Last Updated: April 3, 2026
Welcome to ESSENCE SURFACES LLC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing our website or engaging with our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
By using this website, submitting an application, or engaging with any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.
To apply for funding, you must:
Submitting an application does not guarantee approval or funding. All applications are subject to underwriting review, credit evaluation, and our internal approval process. We reserve the right to request additional documentation or information at any time and to decline any application at our sole discretion.
You agree to provide accurate, current, and complete information during the application process and to update such information as necessary. Providing false or misleading information may result in immediate denial of your application and potential legal consequences.
If approved, all loans are subject to a formal loan agreement that will outline specific terms, including principal amount, interest rate, repayment schedule, fees, and any collateral or personal guarantee requirements. You will have the opportunity to review and accept these terms before funds are disbursed.
Fees, if any, will be clearly disclosed in your loan agreement. We do not charge application fees, but origination fees, servicing fees, or prepayment penalties may apply depending on the product. All fees will be outlined before you accept the loan.
You agree to repay the loan according to the schedule outlined in your loan agreement. Failure to make timely payments may result in late fees, increased interest rates, negative credit reporting, and potential legal action to recover amounts owed.
By opting in to receive SMS/MMS messages from ESSENCE SURFACES LLC, you agree to receive recurring marketing and promotional text messages about our financial products, services, offers, and updates sent using an automated telephone dialing system (ATDS).
Your consent to receive SMS messages is completely voluntary. Consent is NOT a condition of purchase or receiving funding services. You may opt out at any time without affecting your eligibility for our services.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month, depending on your interaction with our services and ongoing promotions.
Costs: Message and data rates may apply. We do not charge for our messages, but your mobile carrier may charge you for receiving text messages based on your plan.
Reply STOP: To opt out of SMS messages, reply STOP to any message from ESSENCE SURFACES LLC. You will receive a one-time confirmation message confirming your opt-out. After that, you will not receive any further messages unless you opt in again.
Reply HELP: For assistance, reply HELP to any message or contact us at marshall@essencesurface.com.
We are not responsible for delays or failures in message delivery caused by your mobile carrier or network issues. Supported carriers include major U.S. providers (AT&T, Verizon, T-Mobile, Sprint, and others). Check with your carrier for compatibility.
Your mobile phone number and SMS preferences are collected and used solely to deliver the messages you've consented to receive. We do not sell, rent, or share your mobile information with third parties for their marketing purposes. For more details, see our Privacy Policy.
All content on this website, including text, graphics, logos, images, software, and design elements, is the property of ESSENCE SURFACES LLC or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this website without our prior written permission.
You agree not to use our website or services for any unlawful or prohibited purpose, including but not limited to:
Our website may contain links to third-party websites for your convenience. We do not control or endorse these sites and are not responsible for their content, privacy practices, or terms of service. Your use of third-party websites is at your own risk.
Our website and services are provided "as is" and "as available" 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 guarantee that you will be approved for funding or that funds will be disbursed within a specific timeframe. Approval is subject to underwriting and may be delayed or denied for various reasons.
To the fullest extent permitted by law, ESSENCE SURFACES LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless ESSENCE SURFACES LLC and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:
These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions.
Any dispute, claim, or controversy arising out of or relating to these Terms or our services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Henderson, Nevada, and the decision of the arbitrator shall be final and binding.
You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as a class action, consolidated action, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any loan agreement you enter into with us, constitute the entire agreement between you and ESSENCE SURFACES LLC regarding your use of our website and services, and supersede any prior agreements or understandings.
If you have any questions or concerns about these Terms, please contact us:
ESSENCE SURFACES LLC
10955 Stags Leap Ct
Henderson, NV 89052
Email: marshall@essencesurface.com
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.