Terms of Use

Effective date: May 22, 2026

1. Introduction and Acceptance

These Terms of Use (“Terms”) form a legal agreement between you and Viktor Budanovic LLC, a Wyoming limited liability company (operating as Thunder Systems (“Thunder,” “we,” “us,” or “our”), with a mailing address at 30 N Gould St Ste R, Sheridan, WY 82801. By accessing thunder.systems and any of its sub-pages (the “Site”), submitting an application, or otherwise using the services made available through the Site (the “Services”), you agree to be bound by these Terms and by our Privacy Policy.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SITE OR THE SERVICES. These Terms include a binding arbitration agreement and a class action waiver (see Section 13). We may modify these Terms at any time; your continued use of the Site after a change constitutes acceptance of the revised Terms.

2. What Thunder Is (and Is Not)

Thunder Systems is an Independent Sales Organization (ISO) specializing in Merchant Cash Advance (MCA) and other revenue-based funding products. We connect US small business owners with our network of MCA funder partners and route each applicant to the partner whose underwriting criteria, paper grade, deal size, and vertical fit best match the applicant’s business.

Thunder is not a direct lender. Thunder is not a bank, credit union, or chartered financial institution. Thunder is not a financial advisor, investment advisor, broker-dealer, or fiduciary. Thunder does not make funding decisions, set funding terms, disburse capital, or service funded transactions. All approvals, terms, advances, factor rates, fees, holdback percentages, disbursement timelines, and collection practices are determined solely by the funder partner with whom you ultimately contract.

3. Eligibility

To use the Services you represent and warrant that:

• You are at least 18 years of age.
• You are an owner, officer, principal, or authorized representative of the business on whose behalf you are applying, and you are authorized to bind that business to these Terms and to any funder partner agreement that may follow.
• The business is organized and operating in the United States and is located in a state in which Thunder currently provides services. Service is currently unavailable in California, New York, Virginia, Utah, and Connecticut, and may be limited in certain other states.
• You are applying for funding for a bona fide business purpose, not for personal, family, or household purposes.

4. Application and Submission of Information

When you submit an application through the Site, you authorize Thunder to share the information you provide with one or more funder partners for the purpose of underwriting, evaluating, and offering funding to your business. You represent that all information you submit is true, accurate, current, and complete to the best of your knowledge. You agree to promptly notify us of any material change in your information.

Thunder may verify the information you provide through commercially reasonable means, including third-party data providers, public records, and any documentation you supply. If we determine, in our sole discretion, that information you have submitted is incomplete, inaccurate, or fraudulent, we may decline to process or transmit your application.

5. No Funding Guarantee

Thunder makes no guarantee that any application will result in a funding offer, that an offer will be on any particular terms, or that funding will be disbursed within any particular timeframe. All underwriting decisions, offers, and disbursements are made solely by our funder partners in their sole discretion. Thunder does not control and is not responsible for any funder partner’s decision to approve, decline, modify, withdraw, or service any funding offer.

6. Compensation Disclosure

Thunder receives compensation from funder partners when an application we submit results in a funded deal. The amount and structure of this compensation varies by partner and may include flat referral fees, commission as a percentage of the funded amount, or volume-based incentives. This compensation may impact the order in which funder partners are presented to you or the partners to whom we route your application. Thunder seeks to route each applicant to the partner we believe is the best overall fit based on underwriting criteria, but you should evaluate any offer you receive on its own merits and are under no obligation to accept any offer.

7. Credit Inquiry Consent

By submitting an application, you authorize Thunder and our funder partners to obtain consumer and business credit reports about you and your business from one or more consumer reporting agencies in connection with evaluating your application. The initial review at the prequalification stage typically involves a soft credit inquiry, which does not affect your personal credit score. If you accept a funding offer from a funder partner, that partner may conduct a hard credit inquiry as part of final underwriting, which may affect your personal credit score. The specific nature of any credit inquiry is determined by the funder partner.

8. Communications Consent (TCPA)

By providing your telephone number, email address, or other contact information, you expressly consent to receive communications from Thunder and from funder partners to whom we route your application, including communications regarding your application, your funding options, and related products and services. You consent to receive these communications by telephone call, voicemail, SMS text message, email, or other electronic means, and you consent to the use of automated dialing systems, artificial or prerecorded voice messages, and SMS short codes. You acknowledge that consent to receive such communications is not a condition of obtaining any product or service.

Standard message and data rates may apply. You may opt out of SMS messages from Thunder at any time by replying STOP to any text message we send. You may opt out of marketing email at any time by following the unsubscribe link in any marketing email or by emailing privacy@thunder.systems. Transactional communications related to an active application may continue regardless of marketing opt-out.

9. Acceptable Use

You agree not to:

• Submit false, misleading, or fraudulent information, including misrepresentation of your identity, your business, your revenue, or your authority to act on behalf of the business.
• Submit an application on behalf of a third party without authorization.
• Use the Site or Services in violation of any applicable law, rule, or regulation.
• Scrape, crawl, harvest, mirror, or otherwise programmatically access the Site, or attempt to reverse engineer, decompile, or otherwise derive the source of any portion of the Site or Services.
• Interfere with or disrupt the integrity, security, or performance of the Site, including by introducing viruses, malware, or other malicious code.
• Use the Services for personal, family, or household purposes; Thunder serves business borrowers only.

10. Intellectual Property

The Site and all content, designs, text, graphics, logos, marks, software, and other materials made available through the Site (the “Content”) are owned by Thunder or its licensors and are protected by US and international intellectual property laws. Thunder grants you a limited, non-exclusive, non-transferable, revocable license to access and view the Site for the sole purpose of evaluating and using the Services. You may not copy, reproduce, modify, distribute, publicly display, create derivative works from, or commercially exploit any portion of the Content without Thunder’s prior written consent.

11. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, THUNDER DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THUNDER DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DEFECT WILL BE CORRECTED. THUNDER MAKES NO WARRANTY REGARDING THE ACTS OR OMISSIONS OF ANY FUNDER PARTNER OR THE TERMS, PERFORMANCE, OR AVAILABILITY OF ANY FUNDING PRODUCT.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THUNDER, ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, AND CONTRACTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR SERVICES, OR THE ACTS OR OMISSIONS OF ANY FUNDER PARTNER, EVEN IF THUNDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THUNDER’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, OR THE SERVICES EXCEED ONE HUNDRED US DOLLARS (US$100). THE FOREGOING LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH ANY CLAIM IS BASED.

13. Arbitration Agreement and Class Action Waiver

YOU AND THUNDER AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS, THE SITE, OR THE SERVICES, INCLUDING THEIR EXISTENCE, VALIDITY, OR TERMINATION, SHALL BE RESOLVED EXCLUSIVELY BY FINAL AND BINDING ARBITRATION, AND NOT IN A COURT OF LAW, EXCEPT AS PROVIDED BELOW.

The arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will be conducted by a single arbitrator. The seat and location of the arbitration shall be Sheridan, Wyoming, although the arbitrator may permit appearances by telephone or videoconference where appropriate. The arbitrator’s award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

YOU AND THUNDER AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate the claims of multiple parties and may award relief only in favor of the individual party seeking relief. If this class action waiver is found to be unenforceable, then the entirety of this Section 13 shall be null and void, and the dispute shall be resolved in court subject to Section 14.

Notwithstanding the foregoing, either party may bring an individual action in small claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights.

14. Governing Law and Venue

These Terms, the Site, and the Services are governed by the laws of the State of Wyoming, without regard to its conflict of laws principles. Subject to the arbitration agreement in Section 13, any action not subject to arbitration shall be brought exclusively in the state or federal courts located in Sheridan County, Wyoming, and you consent to the personal jurisdiction and venue of those courts.

15. Indemnification

You agree to indemnify, defend, and hold harmless Thunder, its members, officers, employees, agents, and contractors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (i) your breach of these Terms; (ii) your misrepresentation of any information submitted through the Site; (iii) your violation of any law or the rights of any third party; or (iv) your dealings with any funder partner introduced through the Services.

16. Modification of Terms

Thunder may modify these Terms from time to time. When we do, we will update the “Effective date” at the top of this page and, where we consider the change material, provide additional notice (such as by email or a notice on the Site). Your continued use of the Site or the Services after the effective date of a revised version constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site and the Services.

17. Severability

If any provision of these Terms is held invalid, illegal, or unenforceable by an arbitrator or a court of competent jurisdiction, that provision shall be enforced to the maximum extent permitted, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms presented to you in connection with a specific Service, constitute the entire agreement between you and Thunder with respect to the Site and Services, and supersede all prior or contemporaneous understandings on that subject.

19. Contact

Questions about these Terms should be directed to:

Thunder Systems (Viktor Budanovic LLC)
30 N Gould St Ste R
Sheridan, WY 82801
Email: legal@thunder.systems