Disclaimer

Job Flow Advertising & Marketing Disclosures
Effective Date: Feb 15, 2026

1. Introduction

Harpoon Sales & Marketing LLC (WY), doing business as Job Flow (“Job Flow,” “we,” “us,” or “our”), believes in transparent and honest advertising and marketing practices.

These Advertising & Marketing Disclosures explain:

• How our platform is funded

• How we present information to you

• The standards and regulations we follow in marketing communications

By using our site or interacting with our marketing content (including emails, SMS, and advertisements), you acknowledge and understand the disclosures below.

2. Key Disclosures

2.1 Not a Lender / Not a Financial Institution

Job Flow is not a lender, bank, or financial institution.

We do not:

• Make loans

• Underwrite or approve credit

• Set lending terms

• Provide loan commitments

Job Flow is a marketing and lead distribution platform that connects business owners with third-party commercial finance providers.

Any funding offers you receive, if any, come from third-party providers—not from JobFlow.

2.2 Marketing Purpose of Website Content

Content and tools on our site (including form flows, marketing pages, educational content, and promotional messaging) are provided for marketing and informational purposes to help you explore potential options.

While we strive to keep information accurate and current:

• You should verify all details with the provider making the offer

• JobFlow does not guarantee approval, funding, rates, or terms

• Any rates, fees, terms, or timelines shown are examples or estimates only

2.3 No Financial Advice

Job Flow is not a financial advisor, accountant, attorney, or credit counselor.

Any information presented on our site, ads, or emails is general in nature and is not tailored to your specific situation.

You should consider seeking professional advice before making significant financial decisions.

3. How We Make Money (Compensation Disclosure)

Job Flow is typically free to users—we do not charge you to browse our website or submit an inquiry.

Job Flow is generally compensated by third-party providers for marketing services, lead referrals, or introductions, which may include:

• A fee per lead or inquiry

• A fee based on application activity

• A commission or marketing fee when a transaction closes (where permitted and applicable)

• Other contractual compensation arrangements

3.1 Sponsored Placement and Offer Presentation

Because providers may compensate us, Job Flow may feature certain providers or options more prominently on our site or in emails.

For example:

• A provider may appear as “Featured” or “Sponsored”

• A provider may be displayed more prominently due to commercial relationships

However, we do not present or match providers solely based on compensation. We may also consider:

• Relevance to your stated needs

• Availability by state or industry

• Provider criteria and eligibility fit

The presence of a provider on our site does not constitute an endorsement by JobFlow.

You are always free to seek alternatives and compare offers independently.

4. Truth in Advertising and FTC Compliance

Job Flow adheres to “truth in advertising” principles. This means our marketing should be truthful, not misleading, and supported by reasonable evidence when claims are made.

We aim to comply with applicable Federal Trade Commission (FTC) guidance and other consumer protection standards.

4.1 Clear and Conspicuous Disclosures

If an advertisement includes material conditions (for example, “rates as low as” or “funding in as little as X days”), we strive to clearly disclose that:

• Not all applicants qualify

• Timing depends on provider underwriting and documentation

• Actual results vary

4.2 Testimonials and Endorsements

If Job Flow uses testimonials, reviews, or endorsements:

• They will be from real users where presented as such, or clearly identified as examples where applicable

• If there is a material connection (such as compensation or partnership), we will disclose it where required

4.3 No Guaranteed Results

Job Flow does not guarantee results. Marketing statements about funding amounts, speed, approval rates, or savings are examples and may not reflect typical outcomes.

Individual results vary based on provider criteria and applicant qualifications.

4.4 Monitoring and Compliance

We review marketing materials for compliance and accuracy and update them as practices and regulations evolve.

If you believe any Job Flow advertisement is inaccurate or misleading, contact us using the details in Section 10.

5. Email and SMS Marketing Disclosures

5.1 Email Disclosures

Marketing emails from Job Flow generally include:

• Our identity and contact information

• Required notices for commercial messages (when applicable)

• An unsubscribe link or opt-out instructions (CAN-SPAM compliance)

If you unsubscribe, we will process your request within a reasonable time.

5.2 SMS/Text Disclosures

If you opt in to receive SMS:

• Message and data rates may apply

• Message frequency varies

• You can opt out at any time by replying “STOP”

We only send SMS to users who have provided the required consent.

6. Partner and Offer Disclosure

6.1 Offer Details Come From Providers

Job Flow may display summary information for convenience. The full and binding terms of any offer are provided by the third-party provider.

Always review official provider documentation before committing.

6.2 No Independent Verification of Provider Claims

While we may evaluate partners for business fit, we do not independently verify every claim a provider makes.

Providers are responsible for:

• Their underwriting and approval decisions

• Their disclosures, licensing, and compliance

• The accuracy of their rates, terms, and marketing

6.3 Comparisons and Listings

If we compare multiple providers or programs, the comparison is intended to be fair, but summaries may not include every feature or limitation.

7. Regulatory Compliance Statements (General)

Job Flow aims to comply with applicable requirements related to marketing communications and privacy, which may include:

• TCPA (calls/texts and consent)

• CAN-SPAM (email marketing rules)

• State privacy laws (including opt-out rights, where applicable)

• Consumer protection principles prohibiting unfair or deceptive practices

8. Industry-Specific Disclosures (Commercial Finance)

8.1 Business Loans, Equipment Financing, and Working Capital

• Job Flow is not a lender

• Financing offers are made by third-party providers

• Approval, rates, fees, and terms vary

• Funding is not guaranteed

• Estimated rates or timelines are examples only

You should conduct your own due diligence before selecting a provider or signing any agreement.

9. Partner Compliance and Liability

We require providers we work with to comply with applicable laws and honor consumer privacy and opt-out requests.

However:

• JobFlow cannot guarantee the conduct of third-party providers

• Once your information is transmitted at your request, communications and dealings are between you and the provider

10. Accessibility of Marketing Materials

We are committed to making our marketing content accessible to individuals with disabilities.

If you experience accessibility barriers, contact us for assistance or an alternative format.

11. Updates to These Disclosures

We may update this page periodically to reflect changes in practices or applicable law.

Material changes may be posted on our website with an updated effective date.

12. Contact Us

For questions or concerns about these Advertising & Marketing Disclosures:

Harpoon Sales & Marketing LLC (WY)
d/b/a Job Flow
7631 Whitepine Rd, North Chesterfield VA 23237

Website: https://jobflowcapital.com
Email: [email protected]
Phone: +1 804-626-9892