Last Updated: March 18, 2026
Welcome to AEM SERVICES INC. By accessing our website or using our services, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding.
By accessing or using the AEM SERVICES INC website ("Site") and services, you agree to comply with and be bound by these Terms and Conditions, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.
You may use our Site for lawful purposes only. You agree not to:
All content on this Site, including text, graphics, logos, images, and software, is the property of AEM SERVICES INC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our written permission.
Submission of a loan application or inquiry does not guarantee approval or funding. All applications are subject to our underwriting process, creditworthiness assessment, and other eligibility criteria. We reserve the right to decline any application at our sole discretion.
You agree to provide accurate, complete, and current information in all applications and communications with us. Providing false or misleading information may result in denial of your application and termination of our relationship.
The information provided on this Site is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making financial decisions.
Text Messaging Program Terms:
If you opt in to receive SMS text messages from AEM SERVICES INC, you agree to the following terms:
AEM SERVICES INC offers an optional SMS messaging program to provide you with updates, reminders, and promotional information about our lending services. Participation is voluntary.
By providing your mobile phone number and opting in, you consent to receive text messages from AEM SERVICES INC. Messages may be sent using an automatic telephone dialing system (ATDS). Your consent is NOT a condition of purchasing any goods or services from us.
Message frequency may vary depending on your account activity and the services you request. You may receive messages related to loan applications, account updates, promotional offers, and company news.
Message and data rates may apply based on your mobile carrier's plan. Please check with your carrier for details about your plan and any applicable charges. AEM SERVICES INC is not responsible for charges incurred from your carrier.
You may opt out of the SMS program at any time by texting STOP to any message you receive from us. You will receive a confirmation message, and no further messages will be sent unless you opt in again. Opting out of SMS messages will not affect your ability to use our other services.
For assistance with SMS messages or questions about the program, text HELP to any message or contact us at tetiana@aem-business-solutions.com.
We reserve the right to modify or discontinue the SMS program at any time. Material changes to these SMS Terms will be communicated via text message or posted on this page.
Your mobile phone number and related information will be used in accordance with our Privacy Policy. We will not sell or share your mobile number with third parties for their marketing purposes without your consent.
This Site and all 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.
To the fullest extent permitted by law, AEM SERVICES INC and its affiliates, 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 this Site or services, even if we have been advised of the possibility of such damages.
Our Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is at your own risk.
You agree to indemnify, defend, and hold harmless AEM SERVICES INC and its affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of or related to your use of the Site, violation of these Terms, or infringement of any third-party rights.
These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising out of or related to these Terms or your use of our services shall be resolved through binding arbitration in New York, NY, in accordance with the rules of the American Arbitration Association.
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on this page with a revised "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the modified terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and AEM SERVICES INC regarding your use of the Site and services, and supersede all prior agreements and understandings.
If you have questions or concerns about these Terms and Conditions, please contact us:
AEM SERVICES INC
445 E 85TH ST
New York, NY 10028
Email: tetiana@aem-business-solutions.com