These Terms and Conditions (“Terms”) govern your access to and use of the website operated at https://mca-relief.com and all related services, communications, intake forms, consultations, and engagements provided by MCA Relief (“MCA Relief,” “we,” “us,” or “our”) from our office at 56 Hammond Road, Glen Cove, New York 11542.
By accessing our website, submitting any form (including our Instant Savings Quote, intake, or contact form), calling us, emailing us, scheduling or participating in a consultation, or engaging our services, you confirm that you have read, fully understood, and unconditionally accepted these Terms in their entirety. If you do not agree with any provision of these Terms, you must not use our website or services. Your continued use of any of our services constitutes binding acceptance of these Terms.
MCA Relief is a strategic financial rehabilitation firm that provides merchant cash advance (“MCA”) debt restructuring, debt settlement, debt relief, debt negotiation, debt consolidation, financial counseling, financial workouts, and related rehabilitation services to business clients across the United States. MCA Relief is accredited by the American Fair Credit Council (AFCC) and maintains an A rating with the Better Business Bureau (BBB). MCA Relief launched in 2022.
MCA Relief provides business-to-business strategic financial rehabilitation services. Our services include negotiation, restructuring, settlement, consolidation, and related work performed on behalf of business clients with merchant cash advance and related debt obligations.
NOTHING ON OUR WEBSITE, IN OUR COMMUNICATIONS, IN OUR MARKETING MATERIALS, OR IN THESE TERMS CONSTITUTES LEGAL, TAX, ACCOUNTING, INVESTMENT, CREDIT-COUNSELING, OR FINANCIAL ADVICE. Information is provided for general informational purposes only and should not be relied upon as a substitute for professional advice from an independent attorney, accountant, or financial advisor licensed in your jurisdiction.
Engagement of MCA Relief alone does not create an attorney-client relationship. Where legal services are required, those services are provided under a separate written engagement agreement with a licensed law firm, including, where applicable, our affiliated law firm KR LLP (krllp.net). Any attorney-client relationship arises only by means of, and is governed by, that separate written engagement.
RESULTS VARY. We do not guarantee any specific outcome, savings amount, debt reduction percentage, settlement amount, timeline, approval, refinancing, or any other result. Testimonials, success stories, savings ranges, and prior client outcomes referenced on our website or in our marketing are not a guarantee or prediction of the outcome of any future matter. Your individual results will depend on your particular financial circumstances, the conduct and policies of your funders and creditors, your cooperation, applicable law, and many other factors beyond our control.
Debt settlement, restructuring, consolidation, and related services may have significant consequences, including but not limited to: damage to your business credit and personal credit; default and acceleration of debts; collection efforts, lawsuits, judgments, confessions of judgment, UCC enforcement, account levies, garnishments, and merchant processor freezes; income tax liability on forgiven debt (which may be reportable to the Internal Revenue Service on Form 1099-C); breach of existing financing or vendor agreements; and impact on your ability to obtain future financing. You acknowledge and accept these risks. You are solely responsible for consulting independent legal, tax, and financial advisors regarding the consequences of pursuing any debt-relief option.
Our services are intended for business owners, officers, members, partners, and authorized representatives of business entities domiciled in the United States that hold merchant cash advance or related business debt. To qualify for our programs, your business must generally hold a minimum of $50,000 in qualifying business debt and meet additional criteria we determine at our sole discretion. We reserve the absolute right to accept or decline any prospective engagement for any reason or no reason, without providing an explanation.
Submitting an Instant Savings Quote, intake form, contact form, scheduling or participating in a consultation, or any communication with MCA Relief does NOT create an engagement, retainer, attorney-client relationship, contractual obligation on our part to perform services, or any other relationship beyond an informational exchange.
An engagement is formed only when (a) we and you have executed a written engagement letter, services agreement, authorization, and any related documents, and (b) you have paid any required initial fee or program deposit. Until both conditions are satisfied, MCA Relief has no obligation to perform any services, and you have no obligation to engage us.
Quotes, estimates, projected savings, and proposals provided before engagement are preliminary, non-binding, and based on the limited information available at that time. They do not constitute an offer or commitment by us, and they may change materially after a full review of your financial situation, your MCA agreements, your creditors’ positions, and other relevant facts.
If you engage MCA Relief, you agree to the following as material conditions of the engagement:
Our fees are described in the engagement letter or services agreement you sign with us. Fees are based on the scope of work, the complexity of your matter, the savings achieved, and other factors. Where required by applicable law (including the FTC Telemarketing Sales Rule, 16 CFR § 310.4, which applies to certain telemarketed debt-relief services to consumers), fees will be structured so that they are not collected until the conditions of that rule are satisfied. The structure applicable to your engagement will be set out in your engagement letter.
By accepting these Terms and any engagement letter, you authorize MCA Relief to charge the payment method you provide for fees, program contributions, and any other amounts you owe under the engagement, as and when they become due. Returned payments, chargebacks, or declined transactions may incur additional fees and may result in suspension or termination of the engagement.
EXCEPT WHERE EXPRESSLY REQUIRED BY APPLICABLE LAW OR YOUR SPECIFIC ENGAGEMENT LETTER, FEES PAID TO MCA RELIEF ARE NON-REFUNDABLE. Once services have been initiated, including but not limited to creditor outreach, review of MCA agreements, preparation of strategy, and other professional work, the related fee has been earned and is not subject to refund. You acknowledge that you are accepting these terms knowingly and voluntarily as a material consideration for our willingness to take on your matter.
You agree to use our website only for lawful purposes related to evaluating or arranging our services. You may not:
By providing your telephone number, wireless number, or email address to us through our website, intake form, or any other channel, and by selecting any applicable consent checkbox, you expressly consent to receive marketing and informational calls, texts, and emails from MCA Relief and our authorized partners, including by automatic telephone dialing system, prerecorded or artificial voice, and SMS/MMS, in accordance with the Telephone Consumer Protection Act (TCPA), FCC rules, the FTC Telemarketing Sales Rule (16 CFR Part 310), and the CAN-SPAM Act. Your consent is not required as a condition of obtaining any product or service.
Message and data rates may apply. Message frequency varies. You may opt out of marketing text messages at any time by replying STOP to any marketing text. You may opt out of marketing emails by clicking the unsubscribe link in any marketing email. You may opt out of marketing calls by informing the caller. You may still receive transactional, service-related, and legally required communications relating to your account and engagement even after opting out of marketing.
All content on our website and in our marketing materials — including text, images, photographs, videos, articles, service descriptions, layouts, design elements, the MCA Relief name, the MCA Relief logo, the tagline “Strategic Financial Rehabilitation,” and any other materials — is the property of MCA Relief or its licensors and is protected by United States copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to view our website for the sole purpose of evaluating and arranging our services. No other use is permitted. Any unauthorized use, copying, reproduction, scraping, framing, or republication will be pursued to the fullest extent of applicable law, including injunctive relief and damages.
Third-party badges and accreditations referenced on our website — including the BBB Accredited Business A Rating and the American Fair Credit Council (AFCC) badge — are the property of their respective owners and are used solely to reflect our accreditation status.
Our website may contain links to third-party websites, articles, media coverage, social media platforms, and external resources, including Facebook, Twitter (X), Instagram, Pinterest, LinkedIn, Google Maps, our Media & Articles page, and our affiliated law firm at krllp.net. We are not responsible for the content, accuracy, privacy practices, or terms of any third-party site or service. Inclusion of a third-party link does not constitute endorsement. Your use of any third-party site is at your own risk and is governed by that site’s own terms and policies.
Client testimonials, reviews, success stories, savings ranges, and outcome statements referenced on our website or in our marketing materials reflect the experience of those specific clients and are not representative of, or a guarantee or prediction of, the experience or outcome of any other client. Individual results vary based on circumstances beyond our control. Testimonials may be edited for length and clarity, may use first names or initials only to protect client privacy, and are used with the permission of the client. Where required by FTC endorsement guides, material connections (if any) between MCA Relief and the endorser will be disclosed in proximity to the endorsement.
OUR WEBSITE, OUR SERVICES, OUR COMMUNICATIONS, AND ALL CONTENT, INFORMATION, AND MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RESULTS, OUTCOMES, SAVINGS, TIMELINESS, UNINTERRUPTED OR ERROR-FREE OPERATION, AVAILABILITY, AND SECURITY. WE DO NOT WARRANT THAT ANY DEBT WILL BE REDUCED, SETTLED, RESTRUCTURED, CONSOLIDATED, OR OTHERWISE RESOLVED, NOR THAT YOUR FUNDERS, LENDERS, OR CREDITORS WILL AGREE TO ANY PROPOSAL OR NEGOTIATION.
You assume the entire risk arising out of the use of our website, our services, and any communication with us.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MCA RELIEF, ITS OWNERS, OFFICERS, MEMBERS, EMPLOYEES, CONTRACTORS, AGENTS, ATTORNEYS, AFFILIATES (INCLUDING KR LLP), INSURERS, AND REPRESENTATIVES (TOGETHER, THE “MCA RELIEF PARTIES”) SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF USE, LOSS OF BUSINESS, LOSS OF GOODWILL, LOSS OF REPUTATION, LOSS OF OPPORTUNITY, LOSS OF DATA, EMOTIONAL DISTRESS, CREDIT IMPAIRMENT, TAX LIABILITY, JUDGMENT, ENFORCEMENT, OR ANY OTHER LOSS, ARISING OUT OF OR RELATING TO THESE TERMS, OUR WEBSITE, ANY COMMUNICATION WITH US, ANY ENGAGEMENT OR PROPOSED ENGAGEMENT, OR ANY OUTCOME WITH ANY FUNDER, LENDER, OR CREDITOR.
OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, OUR WEBSITE, OR ANY ENGAGEMENT, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, STATUTE, OR OTHERWISE), SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES YOU ACTUALLY PAID TO MCA RELIEF UNDER THE SPECIFIC ENGAGEMENT GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100), WHICHEVER IS LOWER. THIS LIMITATION APPLIES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You acknowledge that this limitation is a fundamental basis of the bargain between you and MCA Relief and that we would not provide our services to you on the terms offered without this limitation.
against any and all claims, demands, actions, proceedings, liabilities, damages, losses, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys’ fees on a full indemnity basis) arising out of or relating to:
This indemnification survives the termination or expiration of these Terms and any engagement and continues indefinitely.
YOU AND MCA RELIEF AGREE THAT, EXCEPT AS EXPRESSLY PROVIDED BELOW, ANY CLAIM, DISPUTE, OR CONTROVERSY OF ANY KIND ARISING OUT OF OR RELATING TO THESE TERMS, OUR WEBSITE, OUR SERVICES, ANY COMMUNICATION, OR ANY ENGAGEMENT — INCLUDING DISPUTES UNDER CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION, OR ANY OTHER LEGAL THEORY — SHALL BE RESOLVED EXCLUSIVELY BY BINDING, INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (AAA) UNDER ITS COMMERCIAL ARBITRATION RULES AND, WHERE APPLICABLE, ITS CONSUMER ARBITRATION RULES.
Arbitration shall be conducted by a single arbitrator in Nassau County, New York, or by telephonic or video hearing where permitted by AAA rules. The arbitrator’s award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.
YOU AND MCA RELIEF EXPRESSLY WAIVE ANY RIGHT TO (A) A TRIAL BY JURY, AND (B) PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION OF ANY KIND. CLAIMS BROUGHT BY OR AGAINST EITHER OF US MAY ONLY BE BROUGHT IN AN INDIVIDUAL CAPACITY.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in court to protect intellectual property rights or confidential information; either party may bring an individual action in small-claims court for disputes within that court’s jurisdiction; and nothing in this Section limits any non-waivable right you may have to bring a claim before a government agency.
You may opt out of this arbitration and class-waiver provision by sending written notice of opt-out to MCA Relief, 56 Hammond Road, Glen Cove, New York 11542, within thirty (30) days of first agreeing to these Terms. Otherwise, this Section is binding.
These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to conflict-of-laws principles, and, where applicable, the Federal Arbitration Act. Any claim, dispute, or proceeding not subject to arbitration shall fall under the exclusive jurisdiction of the state and federal courts located in Nassau County, New York, and you irrevocably submit to that jurisdiction and waive any objection based on venue, forum non conveniens, or inconvenience.
We may terminate or suspend any engagement, your access to our website, or these Terms, in whole or in part, at any time, for any reason or no reason, at our sole discretion, without liability and without prior notice. Without limiting the foregoing, we may terminate immediately where:
Termination by either party does not affect any obligations that have accrued before termination, including the obligation to pay fees earned. Sections relating to fees, intellectual property, disclaimers, limitation of liability, indemnification, arbitration, class waiver, governing law, and survival shall survive termination.
MCA Relief shall not be liable for any failure or delay in performing under these Terms or any engagement where such failure or delay is caused by circumstances beyond our reasonable control, including but not limited to acts of God, weather, fire, flood, war, terrorism, civil disturbance, pandemic, epidemic, public health emergency, government action or order (including stays, moratoria, or regulatory changes affecting MCA enforcement or debt relief), creditor conduct, court delays, supplier failure, labor dispute, telecommunications outage, or any other event of force majeure.
We reserve the right to amend, modify, update, or replace these Terms at any time at our sole discretion. The most current version is always available on our website at https://mca-relief.com and supersedes any prior version. Your continued use of our website or services after any change constitutes your full acceptance of the updated Terms. You are responsible for reviewing these Terms periodically. We are under no obligation to notify you individually of any change.
These Terms, together with our Privacy Policy, our Cookies Policy, and any executed engagement letter or services agreement, constitute the entire agreement between you and MCA Relief regarding the subject matter addressed here and supersede all prior or contemporaneous communications, representations, understandings, or agreements, whether oral or written. In the event of a conflict, the executed engagement letter or services agreement controls with respect to the specific engagement it governs.
If any provision of these Terms is held to be invalid, illegal, or unenforceable by a competent tribunal, that provision shall be limited or severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. Our failure or delay in enforcing any provision shall not be construed as a waiver of that or any other provision. No waiver shall be effective unless given by us in writing.
You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent. We may freely assign, transfer, or delegate any or all of our rights and obligations under these Terms to any third party at any time without your consent and without notice.
Any notice required or permitted under these Terms must be in writing and sent to MCA Relief at 56 Hammond Road, Glen Cove, New York 11542, with a copy by email to info@mca-relief.com. We may send notices to you at any contact information you have provided to us, including by email, text message, or postal mail.
If you have any questions about these Terms, please contact us before submitting any form, scheduling a consultation, or otherwise engaging with us:
MCA Relief
56 Hammond Road, Glen Cove, New York 11542
Phone: 516-863-3763
Email: info@mca-relief.com
Hours: Monday – Friday, 8:00 AM – 5:00 PM PST
MCA Relief helps businesses restructure merchant cash advance obligations into manageable, revenue-aligned repayment plans without reducing the contracted balance.
