Terms of Service

1. Acceptance of Terms

By accessing or using Forrest Grants ("the Platform"), operated by Forrest Fintech ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Platform. These terms apply to all users including individuals, business owners, and grant writers.

2. Description of Service

Forrest Grants provides:

• Grant and funding discovery: AI-assisted matching of users to grants, loans, tax credits, and other funding programs based on their business profile.
• Eligibility guidance: AI-generated explanations of why a program may or may not be a fit. These are informational only and do not constitute legal, financial, or professional advice.
• Forrest Cash: Small business cash advance evaluation using bank account data retrieved via Plaid. Forrest Cash is a discovery and pre-qualification tool; actual funding decisions are made by partner lenders.
• Grant writer marketplace: A directory of independent grant writers available for hire. Forrest Grants does not employ grant writers and is not responsible for services provided by listed professionals.

3. Eligibility

You must be at least 18 years old and legally authorized to operate a business in the United States to use this Platform. By creating an account, you represent that you meet these requirements.

4. Account Responsibilities

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us immediately at support@forrestgrants.com if you suspect unauthorized access. We are not liable for losses resulting from unauthorized use of your account.

5. Plaid and Financial Data

Forrest Grants uses Plaid Technologies, Inc. to facilitate bank account connections. By connecting your bank account, you agree to Plaid's End User Privacy Policy. We access your account data only for the purpose of evaluating eligibility for funding programs and cash advance products. We do not store your bank login credentials.

6. Not Financial or Legal Advice

All content on Forrest Grants, including AI-generated eligibility explanations, grant match scores, and funding guidance, is for informational purposes only. Nothing on this Platform constitutes financial, legal, tax, or professional advice. You should consult a qualified professional before making any financial decisions. Forrest Grants does not guarantee that you will qualify for, be approved for, or receive any grant, loan, or funding program.

7. Grant Writer Marketplace

Grant writers listed on the Platform are independent professionals, not employees or agents of Forrest Fintech. We do not guarantee the quality, accuracy, or outcomes of any services provided by listed grant writers. Any engagement between you and a grant writer is a separate agreement between you and that individual. Forrest Grants is not a party to and assumes no responsibility for those arrangements.

8. Plans, Billing, Cancellation and Refunds

Founding Beta. During the Founding Beta, every plan is provided free of charge. We do not collect payment details to open a beta account, and you will not be charged during the beta period. If we begin charging after the beta ends, we will tell you by email before any charge is made, and you will be free to cancel first.

Plans and prices. Our standard plans are Pro at $10 per month and Pro Plus at $20 per month, in US dollars. Each plan includes a set number of Application Guides per month — 2 on Pro and 6 on Pro Plus — together with the account features listed on our pricing page.

Billing. Paid subscriptions are billed monthly in advance and renew automatically until cancelled. Payments are processed by Stripe; we do not store your full card details. Taxes may be added where required.

Cancellation. You may cancel at any time from your account settings. Cancellation takes effect at the end of the current billing period. You keep access to your plan until that date, and you will not be charged again.

Refunds. If you are not satisfied, contact us within 14 days of a charge and we will refund that month in full. After 14 days, monthly payments are generally non-refundable and cancelling stops future charges rather than refunding past ones. Application Guides that have already been generated are a delivered service and are not refundable; unused Guides do not carry over between months.

Price changes.We may change our prices. If a change affects your plan, we will give you at least 30 days' notice by email before it takes effect, and you may cancel before then.

Third-party fees. Some services we link to — business formation, state filing fees, and independent grant writers — are paid to those providers, not to Forrest Grants, and are governed by their own terms and refund policies. We will always show such fees separately from our own.

9. Acceptable Use

You agree not to:

• Provide false or misleading information in your profile or applications.
• Use the Platform for any unlawful purpose.
• Attempt to reverse engineer, scrape, or copy Platform content or data.
• Interfere with or disrupt the Platform's infrastructure or security.
• Use the Platform to submit fraudulent grant applications.

We reserve the right to suspend or terminate accounts that violate these terms.

10. Intellectual Property

All Platform content, design, code, and branding is the property of Forrest Fintech. You may not reproduce, distribute, or create derivative works without our written permission. You retain ownership of any content you submit (business profiles, application materials), and grant us a limited license to use it solely to provide the service.

11. Disclaimer of Warranties

The Platform is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Platform will be uninterrupted, error-free, or that grant information will be accurate, complete, or current. Grant programs change frequently; always verify program details directly with the funding source.

12. Limitation of Liability

To the fullest extent permitted by law, Forrest Fintech shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform, including loss of data, loss of revenue, or failure to obtain funding. Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

13. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in Hudson County, New Jersey.

14. Changes to These Terms

We may update these Terms from time to time. Continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms. For material changes, we will notify you by email.

15. Contact