Terms & Conditions

EFFECTIVE DATE: July 6, 2022

The following are terms of a legal agreement (the “Agreement”) between you (“you” or “User”) and Multiply Operations, LLC (“Multiply”) that sets forth the terms and conditions for your use of this web site at www.withmultiply.com, including any subdomain thereof (the “Site”).  The Site is owned and operated by Multiply. This Site is being provided to you expressly subject to this Agreement. By accessing, browsing and/or using the Site, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations.

Multiply reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement on the Site periodically for changes. All changes shall be effective upon posting. Your continued use of the Site after any change to this Agreement constitutes your agreement to be bound by any such changes. Multiply may terminate, suspend, change, or restrict access to all or any part of this Site without notice or liability.

In addition to the Site, Multiply provides “Qualified Customers” (as defined herein) with products and services, which are made available in a variety of ways, including via the Site, subject to the terms and conditions of those certain customer agreements between each Qualified Customer and Multiply (collectively, the “Customer Agreements”).  This Agreement does not govern your use of Multiply’s products and services as a Qualified Customer, but governs your use of the Site as a visitor and/or an applicant.  If there is any conflict between the terms of this Agreement and any Customer Agreement, if applicable, the Customer Agreement shall govern.


This Site is intended solely for Users who, if they are a natural person, are eighteen (18) years of age or older, and any registration by, use of or access to the Site by any natural person under 18 is unauthorized, unlicensed and in violation of this Agreement. By using the Site, you represent and warrant that, if you are a natural person, you are 18 or older and that you agree to and will abide by all of the terms and conditions of this Agreement.  


Your privacy is very important to us. Please review our Privacy Policy which also governs your use of the Site. Our Privacy Policy describes how we collect and use your information, including nonpublic personal information. Our Privacy Policy is hereby incorporated into these Terms.


To access certain parts or features  of the Site, you will be required to create an account which includes a sign-in name (“Sign-In Name”), a password (“Password”), and potentially certain additional information that will assist in authenticating your identity when you log-in in the future (“Unique Identifiers”). You are solely responsible for the confidentiality and use of your Sign-In Name, Password, and Unique Identifiers, as well as for any use, misuse, or communications entered through the Site using one or more of them. We reserve the right to suspend access to your account at any time, for any reason. Multiply will not be liable for any loss or damage caused by any unauthorized use of your account.  When creating an account on the Site, you agree to provide current, complete and accurate information about you. If any information that you provide is untrue, inaccurate, not current, or incomplete, we may suspend, or terminate, your account.


If you are (or were) employed by a company that Multiply has entered into a collaborative relationship with, you may be eligible to participate in Multiply’s offered products and services.  Multiply reserves the right to reject your eligibility, for any reason or no reason, at our discretion. If Multiply determines that you qualify for our products and services, you will be notified by us, and, upon your execution of applicable Customer Agreements, you shall be deemed a “Qualified Customer.” Your qualification for Multiply’s products and services, and execution of certain Customer Agreements, does not guarantee that Multiply will execute other Customer Agreements with you, which shall be done (or not done) at Multiply’s sole and exclusive discretion.

Once you become a Qualified Customer, your rights, duties and obligations with respect to the products and services you receive from Multiply shall be governed by those Customer Agreements mutually agreed upon and executed between you and Multiply.


The copyright in all material on this Site, including without limitation the text, data, articles, design, source code, software, photos, images and other information (collectively the “Content”), is held by Multiply or by the original creator of the material and is protected by copyright laws. You agree that the Content may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, photocopying, recording, or otherwise, without the express prior written consent of Multiply. You acknowledge that the Content is and shall remain the property of Multiply. Any unauthorized use of any Content on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications statutes and regulations.

You agree that you may use the Content and Site for lawful purposes only. You also agree that you cannot use the Content or Site in any way that would constitute a violation of any applicable law, or that could give rise to any civil or criminal liability. Any unauthorized use of the Site, including but not limited to unauthorized entry into Multiply’s systems, misuse of Sign-in Names, Passwords or Unique Identifiers, or misuse of any information posted on the Site, is strictly prohibited.  Your eligibility for any particular product or service is subject to final determination by Multiply.

Multiply (including the Multiply logo), withmultiply.com, and all related logos, trade names, slogans and other identifying symbols and indicia (collectively the “Multiply Trademarks”) are trademarks or service marks of Multiply. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks owned by Multiply or others. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Multiply Trademarks displayed on this Site, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Site unless in accordance with written authorization by Multiply.  


This Site may contain links to web sites controlled, owned, and operated by third parties (the “third-party sites”). Multiply cannot control and has no responsibility for the accuracy or availability of information provided on the third-party sites. You acknowledge that use of any third-party sites is governed by the terms of use for those websites, and not by this Agreement. Links to third-party sites do not constitute an endorsement or recommendation by Multiply of such sites or the content, products, advertising or other materials presented on such sites, but are only for your convenience and you agree and acknowledge that you access them at your own risk. Such third-party sites may have a privacy policy different from that of Multiply and the third-party site may provide less security than this Site. Multiply is not responsible for the content of any third-party web sites, nor does Multiply make any warranties or representations, express or implied, regarding the content (or the accuracy of such content) on any third-party web sites, and Multiply shall have no liability of any nature whatsoever for any failure of products or services offered or advertised at such sites or otherwise.


By agreeing to this Agreement, you agree to receive electronically all documents, communications, notices, contracts, and agreements (including any applicable tax forms) arising from or relating to your use of the Site, including with respect to any loans, lines of credit, other products or services you may request or receive via the Site, your registration as a Qualified Customer on our Site, and/or the servicing of any product available or provided to you by the Site (each, a “Disclosure”).  

Customer communications

By accepting this Agreement, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including text messages. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.

You consent to receive text messages, calls and messages from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or numbers we can reasonably associate with your account (through skip trace, caller ID capture or other means), with information or questions about your profile, account or any products or services you may have requested via the Site or otherwise from us. You certify, warrant and represent that the telephone numbers that you have provided to us are your numbers and not that of a third party. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to provide notice to us whenever you stop using a particular telephone number.

To unsubscribe from text messages at any time, reply STOP to any text message you receive from us or contact us at support@withmultiply.com.

Telemarketing calls

If you have provided consent for telemarketing calls, you agree that we, our agents, representatives, affiliates, third parties, and anyone calling on our behalf may call, email or text message you at the numbers and addresses you have provided for purposes of describing goods and services that may be of interest to you, offered by us, our affiliates and/or third parties. Your consent, if provided, will be effective even if the number you have provided is registered on any state or federal Do-Not-Call (DNC) list. This consent for telemarketing calls shall remain in effect until you revoke it. Your consent to telemarketing calls may be revoked by informing the telemarketing representative, or by any other method that ensures we receive the revocation.  Your consent to telemarketing calls is not a condition of obtaining any product or service offered by Multiply. You also understand that your cellular or mobile telephone provider will charge you according to the type of plan you carry.

Opt-Out: You can revoke your consent to receiving telemarketing calls or messaging by contacting us via email at support@withmultiply.com. You may also reach us in writing to us at the following address: 548 Market St. Suite 84274, San Francisco, CA 94104.

Call recording and monitoring

You consent to the recording and monitoring, for quality assurance, training, risk management and/or collection purposes, of any call that you place with us (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) or that we (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) place to you.

Electronic Communications

Any Disclosures will be provided to you electronically through your account accessible through the Site or via electronic mail to the email address you provided. If you require paper copies of such Disclosures, you may sign in to your account on our Site and print the documents desired or you may write to us at the mailing address provided below and a paper copy will be sent to you at a cost of up to $10.00 per document requested.  

Your consent to receive Disclosures and transact business electronically, and our agreement to do so, applies to any transactions to which such Disclosures relate. Your consent will remain in effect for so long as you are a User and, if you are no longer a User, will continue until such a time as all Disclosures relevant to transactions that occurred while you were a User have been made.

Before you decide to do business electronically with us, you should consider whether you have the following hardware and software capabilities:  

Hardware and Software Requirements: In order to access and retain Disclosures electronically, you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; Browsers: Latest stable release (except where noted) of Internet Explorer® (11.0 or above); Windows Edge; Mozilla® Firefox®,  Safari™; Google Chrome®. Pre-release (e.g., beta) versions of operating systems and browsers are not supported; Mobile Web Signing: Apple iOS® 7.0 or above. Android™ 4.0 or above; Mobile Applications: Apple iOS® 8.0 and above; Android™ 4.0 and above; Windows 8.1 and above; Windows 10; Windows Phone 8.1; PDF Reader: PDF reader software may be required to view and print PDF files; Screen Resolution: 1024 x 768 minimum; and Enabled Security Settings: Allow per session cookies.

You may withdraw your consent to receive Disclosures electronically by contacting us at the following address: 548 Market St. Suite 84274, San Francisco, CA 94104. However, once you have withdrawn your consent you will not be able to open or access a new loan or line of credit on our Site. If you have a pending loan or line of credit request on our Site we will terminate it and remove it from our system. If you have already received a loan or opened a line of credit, all previously agreed to terms and conditions will remain in effect, and we will send Disclosures to your verified home address provided during registration.  

You will print a copy of this Agreement for your records and you agree and acknowledge that you can access, receive and retain all Disclosures electronically sent via email or posted on the Site.

You agree to keep us informed of any changes in the telephone number, email and mailing address you provide to us so that you continue to receive all communications without interruption.  You can contact us regarding Electronic Disclosures at support@withmultiply.com.


None of Multiply, any of its affiliates, providers or their respective officers, directors, employees, agents, independent contractors or licensors (collectively the “Multiply Parties”) guarantees the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of the Site or any of the Content and the Multiply Parties disclaim liability for any errors or omissions that may be contained, visible or otherwise available in the Site or any of the Content.

This Site and all of the Content is provided “as is” and “as available,” without any warranty, either express or implied, including the implied warranties of merchantability, fitness for a particular purpose, non-infringement or title.  Multiply does not provide any tax, legal or accounting advice. Any Content or other material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for (or construed as providing) any tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction, including those which may be available to you via the Site.

Additionally, there are no warranties as to the results of your use of the Site or any of the Content. The Multiply Parties do not warrant that the Site is free of viruses or other harmful components. This does not affect those warranties which are incapable of exclusion, restriction or modification under the laws applicable to this Agreement.

The Multiply Parties may discontinue or make changes in the Content and Site at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and the Multiply Parties do not undertake any obligation or responsibility to update or amend any such information. The Multiply Parties reserve the right to terminate any or all Site offerings or transmissions without prior notice to you. This Site could contain technical inaccuracies or typographical errors. Use of this Site is at your own risk.


Under no circumstances will the Multiply Parties be liable for any damages including general, special, direct, indirect, incidental, consequential, punitive or any other damages (including, without limitation, lost profits or business interruption) of any kind whether in an action sounding in contract, tort or otherwise, at law or in equity, arising from or relating in any way to the use or inability to use by any party of the Content, the Site or any third-party site to which this Site is linked, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if the Multiply Parties, or representatives thereof, are advised of the possibility of such damages, losses or expenses. The Multiply Parties are not liable for any defamatory, offensive or illegal conduct of any user. Your sole remedy for dissatisfaction with this Site is to stop using the Site. If your use of materials from this Site results in the need for servicing, repair or correction of equipment or data, you assume any and all costs thereof or relating thereto. If the foregoing limitation is found to be invalid, you agree that the Multiply Parties' total liability for all damages, losses, or causes of action of any kind or nature shall be limited to the greatest extent permitted by applicable law.


You agree to indemnify and hold harmless the Multiply Parties from and against any and all claims, losses, expenses, demands or liabilities, including attorneys' fees and costs, incurred by the Multiply Parties in connection with any claim by a third party (including any intellectual property claim) arising out of (i) materials and content you submit to, post to or transmit through the Site, or (ii) your use of the Site in violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. Multiply Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Multiply. You further agree to indemnify and hold harmless Multiply Parties from any claim arising from a third party's use of information or materials of any kind that you post or otherwise transmit to the Site.


Multiply has no obligation to monitor the Site; however, you acknowledge and agree that Multiply has the right to monitor the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law or regulation or otherwise in response to any valid governmental request, to operate the Site, present marketing or other promotional offers to you either on the Site or on a third party site, or to protect itself or other users of the Site.


All remarks, discussions, ideas, concepts, know-how, techniques, graphics or other submissions communicated to Multiply through this Site or in any other manner (collectively, “Submissions”) will be deemed and remain the property of Multiply, and Multiply is entitled to use any Submission for any purpose, without restriction or compensation to the individual(s) who has (or have) provided the Submission. Multiply shall not be subject to any obligations of confidentiality regarding Submissions except as expressly agreed by Multiply or as otherwise required by applicable law. Nothing herein contained shall be construed as limiting Multiply's responsibilities and obligations under its Privacy Policy.


This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. By offering this Site and Content no distribution or solicitation is made by Multiply to any person to use the Site or Content in jurisdictions where the provision of the Site and/or Content is prohibited by law.


This Agreement is effective until terminated by Multiply. Multiply may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Site at any time, with or without cause, in Multiply's absolute discretion and without notice. The following provisions of this Agreement shall survive termination of your use or access to the Site: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Governing Law and Venue, Severability and General Provisions, and any other provision that by its nature survives termination of your use or access to the Site.


Failure by Multiply to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.


By visiting or using the Site, you agree that the laws of the State of California, without regard to any principles of conflict of laws that would require or permit the application of the laws of any other jurisdiction, will govern this Agreement. Notwithstanding the foregoing or anything to the contrary set forth in this Agreement, if you obtain a loan, line of credit or other product or service, the terms of the relevant Customer Agreement shall govern in the event of a conflict with this Agreement and, in all events, any claims arising out of or relating to this Agreement shall be resolved in accordance with the provisions contained in the loan agreement.


Certain sections or pages on the Site may contain separate terms and conditions of use, which are in addition to the terms and conditions of this Agreement. In the event of a conflict, the additional terms and conditions will govern with respect to those sections or pages of the Site.


If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.


This Agreement supersedes any previous version of the Agreement, or any other terms governing use of and/or access to the Site to which you and Multiply may have been bound. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.


If you have questions regarding the Agreement or the practices of Multiply, please contact us at support@withmultiply.com.