Legal
Last Updated: May 8, 2026
By accessing or using the website theusmholding.com (the "Website") and the services provided by USM Holding ("we," "us," or "our"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use the Website or our services.
These Terms apply to all visitors, users, and others who access or use our Website and services.
USM Holding is a direct business lender offering the following financial services:
All funding decisions are made at our sole discretion. Not all applicants will qualify for funding. Terms, rates, and conditions vary based on creditworthiness, business performance, and other factors.
You agree to use the Website only for lawful purposes and in accordance with these Terms. You agree not to:
When you submit an application for funding through our Website:
If your application is approved, the specific terms of your funding will be set forth in a separate written agreement. The terms of that agreement will govern your relationship with USM Holding regarding the specific funding transaction. In the event of any conflict between these Terms and a separate funding agreement, the funding agreement will control.
If you opt in to receive SMS/MMS messages from USM Holding, the following terms apply:
By opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from USM Holding, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS). Consent is NOT a condition of purchase or use of our services.
Message frequency varies. You may receive up to 4 messages per month.
Message and data rates may apply depending on your mobile carrier and plan. You are responsible for any charges incurred.
You may opt out of receiving SMS messages at any time by replying STOP to any message. You will receive a one-time confirmation message confirming your opt-out.
For assistance, reply HELP to any message or contact us at shukhrat@theusmholding.com.
SMS services are available on most major U.S. carriers. Carrier message and data rates may apply. We are not responsible for any delays or undelivered messages.
We reserve the right to modify or discontinue our SMS program at any time. We will notify you of any material changes via SMS or email.
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, and the design, selection, and arrangement thereof) are owned by USM Holding and are protected by United States and international copyright, trademark, patent, and other intellectual property laws.
THE WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
IN NO EVENT SHALL USM HOLDING, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify, defend, and hold harmless USM Holding and its affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Website or services, your violation of these Terms, or your violation of any rights of another.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in Monroe County, Florida.
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of the Website after any changes constitutes your acceptance of the new Terms.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
If you have any questions about these Terms and Conditions, please contact us:
USM Holding
924A Kennedy Dr, Key West, FL 33040
Email: shukhrat@theusmholding.com
Website: theusmholding.com