Last Updated: March 24, 2026
Welcome to CJ'S REFUSE HAULING, LLC ("Company," "we," "us," or "our"). These Terms & Conditions ("Terms") govern your use of our website cjs-refuse-hauling.com and the financial services we provide.
By accessing our website, applying for financing, or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.
1. Services Overview
CJ'S REFUSE HAULING, LLC is a direct business lender providing equipment financing, working capital loans, commercial vehicle loans, and related financial services to businesses across the United States. Our services are intended for business use only and are not available to individuals for personal, family, or household purposes.
2. Loan Application & Approval
Application Process
When you submit a loan application, you represent and warrant that:
- All information provided is accurate, complete, and truthful.
- You have the authority to apply for financing on behalf of the business.
- You understand that we will conduct credit checks, financial analysis, and other due diligence.
Approval & Funding
Loan approvals are subject to credit review, financial analysis, and underwriting criteria. We reserve the right to approve, deny, or request additional information for any loan application. Approval does not guarantee funding until all terms are finalized and documentation is signed.
Loan Terms
Loan terms, including interest rates, repayment schedules, fees, and collateral requirements, will be specified in your loan agreement. By accepting a loan offer, you agree to repay the loan according to the terms outlined in your agreement.
3. Use of Website
Permitted Use
You may use our website for lawful business purposes only. You agree not to:
- Use the website in any way that violates applicable laws or regulations.
- Transmit any harmful, fraudulent, or malicious code or content.
- Attempt to gain unauthorized access to our systems or networks.
- Use automated systems (bots, scrapers) to access or collect data from our website.
Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of CJ'S REFUSE HAULING, LLC and is protected by copyright and trademark laws. You may not reproduce, distribute, or modify any content without our prior written consent.
4. Communications
Email Communications
By providing your email address, you consent to receive electronic communications from us, including loan status updates, service announcements, and promotional offers (if you opt in). You may unsubscribe from promotional emails at any time by following the unsubscribe link in the email.
SMS Terms & Conditions
If you opt in to receive SMS/text messages from CJ'S REFUSE HAULING, LLC, the following terms apply:
Consent to Receive Messages: By opting in, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from CJ'S REFUSE HAULING, LLC, sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, information about our financial products and services, and other business-related communications.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply depending on your mobile carrier and plan. Check with your carrier for details.
Opt-Out (STOP): You may opt out of receiving SMS messages at any time by replying STOP to any message. After you send STOP, we will send you a confirmation message, and you will no longer receive messages from us.
Help (HELP): For assistance with SMS messages, reply HELP to any message or contact us at christopher@cjs-refuse-hauling.com.
Consent is NOT a Condition of Purchase: Your consent to receive SMS messages is not a condition of purchasing any goods or services from CJ'S REFUSE HAULING, LLC. You may apply for and receive financing without opting in to SMS communications.
Carrier Support: SMS services are available on participating carriers. We are not liable for delayed or undelivered messages.
Privacy: Your SMS opt-in information and message content are subject to our Privacy Policy. We do not share your mobile information with third parties for marketing purposes.
5. Fees & Payments
All fees, interest rates, and payment terms will be disclosed in your loan agreement. You are responsible for making timely payments according to the agreed schedule. Late payments may result in additional fees, penalties, and negative impact to your credit.
6. Limitation of Liability
To the fullest extent permitted by law, CJ'S REFUSE HAULING, LLC and its affiliates, officers, directors, employees, and agents will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages.
Our total liability for any claims related to our services will not exceed the amount of fees you have paid to us.
7. Indemnification
You agree to indemnify, defend, and hold harmless CJ'S REFUSE HAULING, LLC and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:
- Your use of our website or services.
- Your violation of these Terms.
- Your violation of any applicable laws or regulations.
- Any information or content you provide to us.
8. Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Ohio, without regard to its conflict of laws principles. Any disputes arising from these Terms or our services will be resolved through binding arbitration in Springfield, Ohio, in accordance with the rules of the American Arbitration Association.
You waive any right to participate in class action lawsuits or class-wide arbitration.
9. Modifications to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our website or services after such changes constitutes your acceptance of the updated Terms.
10. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
11. Entire Agreement
These Terms, together with our Privacy Policy and any loan agreements you enter into with us, constitute the entire agreement between you and CJ'S REFUSE HAULING, LLC regarding your use of our website and services.
12. Contact Us
If you have any questions or concerns about these Terms, please contact us:
CJ'S REFUSE HAULING, LLC
4886 N. River Rd.
Springfield, OH 45502
Email: christopher@cjs-refuse-hauling.com
We are committed to addressing your concerns and will respond to your inquiry as promptly as possible.