Welcome to Diamond Ruby Global LLC. By accessing or using our website and services, you agree to be bound by these Terms & Conditions. Please read them carefully.
Acceptance of Terms
By accessing, browsing, or using this website (thediamondrubyglobal.com) and any services offered by Diamond Ruby Global LLC ("Company," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy.
If you do not agree to these terms, you must not use our website or services.
Services Overview
Diamond Ruby Global LLC is a direct business lender providing financing solutions including, but not limited to:
- Working Capital Loans
- Equipment Financing
- Revenue-Based Financing
All financing products are subject to credit approval and underwriting criteria. Terms, rates, and conditions vary based on creditworthiness, business performance, and other factors.
Eligibility
To apply for our services, you must:
- Be at least 18 years of age
- Be authorized to act on behalf of your business
- Operate a legitimate business entity in the United States
- Provide accurate and complete information in all applications
Application Process
Information Accuracy
You agree to provide true, accurate, current, and complete information during the application process. Providing false or misleading information may result in the denial of your application and potential legal consequences.
No Guarantee of Approval
Submitting an application does not guarantee approval. All applications are subject to our underwriting process and approval criteria. We reserve the right to approve, deny, or request additional information for any application at our sole discretion.
Credit Checks
By applying for financing, you authorize us to obtain credit reports and other information about you and your business from credit bureaus and other third parties.
SMS Terms & Conditions
By opting in to receive text messages from Diamond Ruby Global LLC, you agree to the following terms:
Message Program Details
When you provide your mobile phone number and opt in, you consent to receive recurring marketing and promotional SMS/MMS messages from Diamond Ruby Global LLC. Messages may include offers, updates, service information, and other communications related to our financial products and services. Messages may be sent using an automated telephone dialing system (ATDS).
Message Frequency
Message frequency varies. You may receive up to 4 messages per month. The actual number of messages may vary based on your interactions with us and promotional campaigns.
Message and Data Rates
Message and data rates may apply based on your mobile carrier's pricing plan. Please contact your carrier for details about your plan's messaging rates.
Supported Carriers
This service is available on major U.S. carriers including AT&T, T-Mobile, Verizon Wireless, Sprint, and others. Check with your carrier for availability and any additional charges.
Opt-Out / STOP
You may opt out of receiving text messages at any time by replying STOP to any message from us. After you send STOP, we will send you one final confirmation message and then stop all future messages. You acknowledge that replying STOP will end all text communications from Diamond Ruby Global LLC.
Help / HELP
For help or more information, reply HELP to any message, or contact us at robyn@thediamondrubyglobal.com.
Consent is NOT a Condition of Purchase
Your consent to receive text messages is NOT required as a condition of purchasing any goods or services from Diamond Ruby Global LLC. You may still apply for and receive financing services whether or not you opt in to text messages.
Terms Changes
We reserve the right to modify or terminate our text messaging program at any time. We may change message frequency or content without prior notice. Continued participation after changes constitutes acceptance of the updated terms.
Privacy
Your mobile number and text message opt-in information will be handled in accordance with our Privacy Policy. We will not share your mobile information with third parties for their marketing purposes.
Loan Terms and Repayment
If your application is approved, you will receive a loan agreement detailing:
- Loan amount and disbursement schedule
- Interest rates and fees
- Repayment schedule and terms
- Default and late payment consequences
- Prepayment terms (if applicable)
You are responsible for reviewing and understanding all loan documents before signing. By accepting a loan, you agree to repay the full amount according to the agreed-upon schedule.
Fees and Costs
All fees, interest rates, and costs will be clearly disclosed in your loan agreement. There are no hidden fees. However, you may be responsible for:
- Origination fees (if applicable)
- Late payment fees for missed or delayed payments
- Returned payment fees for insufficient funds
- Third-party costs (e.g., wire transfer fees)
Default and Collections
Failure to make payments as agreed constitutes default. In the event of default, we may:
- Assess late fees and penalties as outlined in your loan agreement
- Report your default to credit bureaus
- Engage collection agencies or legal counsel to recover amounts owed
- Pursue legal action to collect the debt
You are responsible for all costs associated with collection efforts, including attorney fees and court costs.
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Diamond Ruby Global LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
Website Use
You agree to use our website only for lawful purposes. You may not:
- Use the website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to any part of the website or systems
- Transmit viruses, malware, or other harmful code
- Engage in automated data collection (scraping, bots, etc.) without permission
- Impersonate any person or entity
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Your use of third-party websites is at your own risk.
Disclaimers
No Warranty: Our website and services are provided "as is" without any warranties of any kind, either express or implied. We do not guarantee that the website will be uninterrupted, error-free, or secure.
No Financial Advice: Information on our website is for informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making financial decisions.
Limitation of Liability
To the fullest extent permitted by law, Diamond Ruby Global LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of our website or services.
Indemnification
You agree to indemnify, defend, and hold harmless Diamond Ruby Global LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including attorney fees) arising from your use of our services or violation of these Terms & Conditions.
Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes shall be resolved in the courts located in Collin County, Texas.
Changes to Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with a new "Last Updated" date. Your continued use of our website or services after changes are posted constitutes acceptance of the updated terms.
Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Contact Information
If you have questions about these Terms & Conditions, please contact us:
Diamond Ruby Global LLC
5900 S Lake Forest Dr Ste 300
McKinney, TX 75070
Email: robyn@thediamondrubyglobal.com