These Terms of Service ("Terms") are a binding agreement between you and FieldofDreams.World LLC ("Field of Dreams," "we," "us," or "our") governing your use of fieldofdreams.world and our self-service lender-matching and SBA forms software, including the SBA Professor (together, the "Service").
Please read these Terms carefully. Section 16 contains a binding arbitration agreement and class action waiver that affect how disputes are resolved. You may opt out of arbitration as described in Section 16.
1. Acceptance and eligibility
By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you don't agree, don't use the Service.
You must be at least 18 years old and able to form a binding contract. The Service is for business purposes only. If you use the Service on behalf of a business or other entity, you represent that you are authorized to bind it to these Terms, and "you" includes that entity.
2. What Field of Dreams is — and isn't
Field of Dreams is a self-service software platform. It helps small businesses identify SBA lenders that may fit their profile, keep track of the documents lenders commonly request, and generate SBA forms themselves. You decide which lenders to contact and what to submit. We do not prepare, package, or submit loan applications on your behalf.
- We are not a lender and do not make loans, credit decisions, or loan commitments.
- We are not a loan broker or your agent. We do not negotiate with lenders or apply for credit on your behalf, and we do not act as your fiduciary.
- We are not affiliated with, endorsed by, or acting on behalf of the U.S. Small Business Administration ("SBA") or any lender, unless we expressly say so.
- We do not guarantee that you will be matched with any lender, that any lender will consider or approve your application, or any loan amount, rate, term, fee, or timing. All loans are subject to each lender's own review and to SBA eligibility requirements.
- Match scores and recommendations are estimates based on the information available to us — including the information you provide and publicly available lending data — which may be incomplete, out of date, or inaccurate. They are not offers of credit or predictions of approval. Rates and terms shown from a lender's past SBA loans are historical and are not a quote or offer; your rate and terms are set by the lender.
3. No professional advice
Information provided through the Service, including by the SBA Professor, is for general informational purposes only. It is not legal, tax, accounting, financial, investment, or lending advice, and no professional relationship is created by your use of the Service. Consult qualified professionals before making financial or legal decisions.
4. AI features and generated forms
The Service uses artificial intelligence to read documents, extract and check information, suggest form values, and answer questions. AI output may be incomplete, inaccurate, or out of date.
- You must review everything. Before you confirm a field, generate a form, sign a document, or submit anything to a lender or the SBA, you are responsible for reviewing it and making sure it is complete, accurate, and current.
- You are responsible for what you sign and submit. SBA forms require you to certify that the information is true and complete. Knowingly making false statements to obtain an SBA loan is a federal crime that may be punishable under laws including 18 U.S.C. § 1001 and 15 U.S.C. § 645.
- The SBA Professor may suggest answers or changes to your information. Nothing it suggests is saved to your file until you confirm it, and you are responsible for each suggestion you confirm.
- Suggestions, drafts, and explanations from the Service are tools to help you — they do not replace your own judgment.
5. Your information and responsibilities
You agree to provide information that is accurate, complete, and current, and to keep it updated. You represent that you have the right to provide all information and documents you upload, including information about other individuals (such as co-owners or guarantors), and that you have obtained any consents required to do so.
6. Accounts and security
You are responsible for your account credentials and for all activity under your account. Keep your password confidential, and notify us immediately at [email protected] of any unauthorized use. We are not liable for losses caused by unauthorized use of your account where you failed to safeguard your credentials.
7. Your content
You keep ownership of the documents, information, and messages you submit ("Your Content"). You grant us a non-exclusive, worldwide, royalty-free license to host, store, copy, process, transmit, and display Your Content only as needed to provide, secure, and improve the Service, to comply with law, and as described in our Privacy Policy. This license ends when Your Content is deleted from our systems, except for copies we are required or permitted to retain under our Privacy Policy. We do not sell Your Content.
If you send us feedback or suggestions, you grant us the right to use them without restriction or compensation to you.
8. Acceptable use
You agree not to:
- submit false, misleading, or fraudulent information or documents, or use the Service to commit or facilitate fraud;
- upload information about another person without the right to do so, or impersonate anyone;
- access another user's account or data, or attempt to bypass any security or access control;
- scrape, copy, or extract data from the Service, including lender data, by automated or manual means, except as the Service expressly allows;
- reverse engineer, decompile, or attempt to derive the source code, models, scoring methods, or prompts behind the Service, except where the law prohibits this restriction;
- use the Service to build or train a competing product or AI model;
- upload malware, or interfere with or disrupt the Service or its infrastructure, including by attempting to manipulate AI features into ignoring their instructions;
- use the Service in violation of any law or regulation.
9. Fees
Some or all of the Service may require payment, which may include a fee to create an account. Before you are charged anything, we will show you the price and terms and ask for your agreement. Paid features are subject to the pricing and payment terms presented when you purchase them, and you are responsible for applicable taxes. Unless those terms say otherwise, fees are non-refundable except where required by law. We may change our prices or introduce new fees; a change will not apply to a charge you have already agreed to.
10. Lenders and third parties
Any application, communication, or agreement between you and a lender, certified development company, broker, or other third party is solely between you and that party. We are not a party to, and are not responsible for, any loan, its terms, or a third party's acts, omissions, decisions, products, services, or privacy practices. Links to third-party sites are provided for convenience only.
11. Our intellectual property
The Service — including its software, design, text, graphics, lender data compilations, matching methods, and the "Field of Dreams" and "SBA Professor" names and logos — is owned by us or our licensors and protected by intellectual property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your own business purposes. All rights not expressly granted are reserved. SBA is a registered service mark of the U.S. Small Business Administration; other marks belong to their owners.
12. Suspension and termination
You may stop using the Service and delete your account at any time. We may suspend or terminate your access, with or without notice, if we reasonably believe you have violated these Terms, created risk or possible legal exposure for us or others, or if we discontinue the Service. Sections that by their nature should survive termination — including Sections 4, 5, 7 (feedback), 10, 11, and 13 through 19 — will survive.
13. Disclaimers
The Service, including all content, lender information, match results, AI output, and generated forms, is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and any warranties arising from course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, secure, or error-free, that any information will be accurate or complete, or that use of the Service will result in any loan or other outcome.
14. Limitation of liability
To the fullest extent permitted by law, Field of Dreams and its members, managers, officers, employees, agents, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, financing opportunity, data, or goodwill, arising out of or relating to these Terms or the Service, even if advised of the possibility of such damages. Our total liability for all claims arising out of or relating to these Terms or the Service will not exceed the greater of (a) the amounts you paid us for the Service in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).
Some jurisdictions do not allow certain exclusions or limitations, so some of the above may not apply to you. In that case, our liability is limited to the fullest extent permitted by law.
15. Indemnification
You will defend, indemnify, and hold harmless Field of Dreams and its members, managers, officers, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to Your Content, your use of the Service, information you submit to any lender or the SBA, your dealings with third parties, or your violation of these Terms or any law or third-party right.
16. Dispute resolution and arbitration
Informal resolution first. Before filing a claim, you and we each agree to try to resolve the dispute informally by sending written notice describing it (for you, to [email protected]). If it isn't resolved within 30 days, either party may begin arbitration.
Binding arbitration. Except as provided below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be conducted in Albany County, New York, or by video or documents where the rules permit. The arbitrator may award any relief available in court on an individual basis. The Federal Arbitration Act governs this Section. Judgment on the award may be entered in any court with jurisdiction.
Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive or other equitable relief in court to protect its intellectual property or to stop unauthorized access to or misuse of the Service.
Class action and jury trial waiver. You and we each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any representative proceeding. You and we each waive the right to a jury trial.
Opt-out. You may opt out of this arbitration agreement by emailing [email protected] within 30 days after you first accept these Terms, with your name, account email, and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.
Severability. If the class action waiver is found unenforceable for a claim, that claim must proceed in court as provided in Section 17, and not in arbitration. If any other part of this Section is found unenforceable, the rest remains in effect.
17. Governing law and venue
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules, except that Section 16 is governed by the Federal Arbitration Act. Subject to Section 16, the exclusive venue for any claim is the state and federal courts located in Albany County, New York, and you and we consent to their personal jurisdiction.
18. Changes to the Service and Terms
We may change, suspend, or discontinue any part of the Service at any time. We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service before they take effect. Your continued use of the Service after the changes take effect means you accept them. Changes will not apply to disputes that arose before they took effect.
19. General
These Terms, together with our Privacy Policy and any terms presented for paid plans, are the entire agreement between you and us about the Service and supersede any prior agreements. If any provision is found unenforceable, it will be enforced to the maximum extent permissible and the rest will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control. We may send you notices by email or through the Service. There are no third-party beneficiaries to these Terms.
20. Contact us
FieldofDreams.World LLC
418 Broadway Ste R
Albany, NY 12207
United States
[email protected]