Terms of Service

Terms of Service

Last Updated: March 2026

Welcome to J & I Acquisitions LLC. By accessing our website or utilizing our brokerage services, you agree to be bound by the following Terms of Service. Please read them carefully.

1. Nature of Services

J & I Acquisitions LLC is a business consultancy and brokerage. We are not a direct lender, a bank, or an insurance provider. Our role is to act as an intermediary, matching your business profile with our network of 70+ third-party lenders, merchant service providers (VizyPay), and energy suppliers (Broker Online Exchange).

2. No Guarantee of Approval or Rates

While we strive to secure the most favorable terms for our clients, J & I Acquisitions LLC does not guarantee:

  • Approval for business capital or credit lines.
  • Specific interest rates, terms, or funding amounts.
  • Specific savings amounts on merchant processing or utility bills. Final approval and terms are determined solely by the third-party lenders and service providers based on their independent underwriting criteria.

3. Accuracy of Information

You agree to provide true, accurate, and complete information (including bank statements, tax returns, and processing history). Providing fraudulent or misleading information may result in the immediate termination of our services and potential legal action by lending partners.

4. Credit Inquiries

You acknowledge that by submitting an inquiry for business capital, our lending partners may perform Soft Credit Pulls to determine eligibility. These do not affect your credit score. Hard Credit Pulls will only be performed by lenders with your explicit consent after you have reviewed and moved forward with a specific offer.

5. Limitation of Liability

J & I Acquisitions LLC shall not be liable for any damages, losses, or expenses arising out of:

  • A lender’s decision to decline a funding request.
  • Technical issues with third-party POS hardware or software.
  • Fluctuations in the energy market following an enrollment via BOX.
  • Any disputes between you and the third-party provider once a contract is signed.

6. Compensation

As a brokerage, we may receive compensation from our lending and service partners. This allows us to provide many of our consulting and audit services to you at no upfront cost.

7. Governing Law

These terms are governed by the laws of the State of Illinois. Any disputes arising from these services shall be handled in the appropriate courts serving Oakbrook Terrace, IL.

8. Contact Information

For questions regarding these terms, please contact:

  • J & I Acquisitions LLC Oakbrook Terrace, IL 60181
  •  Toll-Free: (877) 822-3647 Ext. 2
  •  Email: jose@jniacquisitions.com