1. Who We Are and What We Do
IrmAria LLC is an Illinois limited liability company providing personal and small-business capital-access services, including funding inquiries, application packaging, and brokered placements with partner lenders. Our principal office is located at 4422 N Ravenswood Avenue, Chicago, IL 60640.
Important: Use of this website does not, by itself, create a lender-borrower relationship between you and IrmAria. No commitment to extend credit is made unless and until you receive a written, signed offer from IrmAria or a partner lender.
2. Eligibility
You must be at least 18 years old and a legal resident of the United States to use our services. By using the website or submitting an inquiry, you represent that you meet these requirements and that the information you provide is true and accurate to the best of your knowledge.
3. Inquiries and Applications Are Not Offers
Submitting a funding inquiry through our website does not obligate either party. We may, in our sole discretion, decline to evaluate any inquiry, request additional information, decline to extend credit, or place an application with a partner lender. Likewise, you are free to withdraw any inquiry at any time before final documents are signed.
4. Information You Provide
You agree to provide truthful and complete information in any inquiry, application, or communication with us. Providing false or materially misleading information may result in denial of your application, termination of services, and (where applicable) reporting to authorities, credit-reporting agencies, and lenders.
You authorize IrmAria to verify any information you provide, including by contacting credit-reporting agencies, identity-verification services, and references, where applicable.
5. No Legal, Tax, or Financial Advice
Information on this website and information shared by our team in the ordinary course of business is for general informational purposes only. It is not legal, tax, accounting, or financial advice and should not be relied upon as such. Before making any decision with legal or financial consequences, you should consult an appropriately licensed professional.
6. Fees and Pricing
Any fees associated with funding products will be disclosed to you in writing before you become obligated to pay them. We are committed to transparent pricing and will not impose fees that have not been clearly described and agreed to in advance.
7. Equal Credit Opportunity
IrmAria does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), or because all or part of the applicant's income derives from public assistance, in accordance with the Equal Credit Opportunity Act and other applicable laws.
8. Intellectual Property
The content of this website — including text, graphics, the IrmAria name and logo, design, and software — is owned by IrmAria LLC or its licensors and is protected by copyright, trademark, and other applicable laws. You may view and print pages for personal, non-commercial use. Any other use, including reproduction, redistribution, or modification, requires our prior written permission.
9. Third-Party Links and Services
Our website may link to third-party websites and services, including partner lenders. We do not control those sites and are not responsible for their content, terms, or privacy practices. Your interactions with third parties are governed by their own terms and policies.
10. Disclaimers
The website and all content are provided "as is" and "as available," without warranty of any kind. To the fullest extent permitted by law, IrmAria disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
We make reasonable efforts to keep the website accurate and current, but we do not guarantee that it will be uninterrupted, error-free, or free of viruses or other harmful components.
11. Limitation of Liability
To the fullest extent permitted by law, in no event will IrmAria LLC, its officers, members, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or use, arising out of or in connection with your use of the website or our services, whether based on warranty, contract, tort, or any other legal theory.
12. Indemnification
You agree to indemnify and hold IrmAria, its members, officers, employees, and agents harmless from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your breach of these Terms, your misuse of the website, or your violation of any law or the rights of any third party.
13. Termination
We may suspend or terminate your access to the website or our services at any time, for any reason, without notice. The provisions of these Terms that by their nature should survive termination (including disclaimers, indemnification, and limitation of liability) will survive.
14. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws principles. You agree that any dispute arising out of or relating to these Terms or your use of the website will be brought exclusively in the state or federal courts located in Cook County, Illinois, and you consent to the personal jurisdiction of those courts.
15. Electronic Communications and Consent
By submitting an inquiry or providing your contact information, you consent to receive communications from IrmAria electronically (by email, text, or phone) and agree that such communications satisfy any legal requirement that they be in writing. You may opt out of optional marketing communications at any time by following the instructions in any such message or contacting us directly.
16. Changes to These Terms
We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date above. Continued use of the website after the changes take effect constitutes your acceptance of the revised Terms.
17. Contact Us
If you have questions about these Terms, contact:
IrmAria LLC
4422 N Ravenswood Ave
Chicago, IL 60640
Phone: (872) 233-8248
Email: Info@Irmariallc.com