Terms of Service

PTC Client Hub is a client relationship management and financing application platform operated by Prestigious Companies. This platform facilitates the submission and processing of financing applications on behalf of clients.

By using this platform, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.

Prestigious Companies does not guarantee approval or funding of any financing application.

All financing decisions are made solely by third-party lenders based on their own underwriting criteria, credit policies, and risk assessments. Submission of an application does not constitute approval or commitment of funds.

Interest rates, terms, and conditions are determined by the lender and may vary based on creditworthiness, loan amount, and other factors.

Prestigious Companies acts as an intermediary between clients and third-party lending institutions. We are not a lender and do not make credit decisions.

The lenders participating in our network are independent entities with their own terms, conditions, and privacy practices. We encourage you to review each lender's terms before accepting any financing offer.

We do not endorse, guarantee, or assume responsibility for any lender's products, services, or actions.

By submitting information through this platform, you consent to the collection, storage, and sharing of your data as described in our Privacy Policy.

Client information may be shared with:

• Third-party lenders for the purpose of processing financing applications
• Service providers who assist in platform operations
• Regulatory authorities as required by law

To the maximum extent permitted by law, Prestigious Companies shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this platform.

This includes, but is not limited to:

• Denial of financing applications
• Delays in processing
• Loss of business opportunities
• Errors or omissions in lender communications
• Technical issues or service interruptions

You agree not to:

• Access or attempt to access accounts or data belonging to others
• Submit false, misleading, or fraudulent information
• Use the platform for any illegal or unauthorized purpose
• Interfere with or disrupt the platform's security features
• Attempt to reverse engineer or extract source code from the platform
• Share login credentials or allow unauthorized access to your account

Violation of these terms may result in immediate termination of access and may be reported to appropriate authorities.

Prestigious Companies reserves the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the platform.

Continued use of the platform after changes are posted constitutes acceptance of the revised terms. We encourage you to review these terms periodically.

For significant changes, we will make reasonable efforts to notify users via email or platform notification.