with us

About Partnering

Rapid Capital Partners (RCP) is the Sales Partner division of Rapid Capital Funding (RCF). RCP is dedicated to growing its Independent Sales Office relationships by providing competitive pricing and commission structures. RCF has many flexible funding programs to meet the unique situations of the business owner. RCF also prides itself on an above average retention program and works hand in hand with our valued sales partners to ensure optimal retention.



    Rapid Capital Funding (RCF) offers small to medium-sized business owners a way to easily access working capital. It's not a traditional bank loan where decisions are solely based on credit score, so merchants are much more likely to be approved, and the cash becomes available quickly.


    RCF has several flexible funding programs to meet the unique situations of business owners. Our customer service is unparalleled and you will be dealing with an assigned Business Development Officer directly on each and every advance for your clients. RCF offers a fast, smooth and uncomplicated process of submission-to-funding in as little as two business days.


    Merchants may use the cash any way they see fit! There are no restrictions on how to use the working capital. As the business owner, your client knows how to best utilize the funds to improve and increase success for their business. Whether the funds be used towards the purchase of inventory, renovation or expansion, Rapid Capital Funding is only interested in helping the merchant's business grow.


    Rapid Capital Funding offers a merchant cash advance (purchase of a portion of the future revenue) based on the current gross sales. After funding, repayment occurs by either a daily payment or a small percentage is deducted from credit card sales until the contract is paid in full.


    Most programs RCF offers are similar to factoring because there is no interest rate, just a set cost. An example for a previous client shows that Rapid Capital Funding purchased $26,000 of credit card receivables in exchange for $20,000 in financing. The programs are unsecured and pricing is driven by the client's business risk profile.


    If the merchant has been in business for at least three months and is not currently in bankruptcy, then they are well on your way to an approval! RCF will just need to have the client complete a simple funding application and see copies of their three most recent bank statements and three most recent months processing statements (if they accept credit cards).


    Approval generally takes one business day or less. Upon receipt of the signed contracts and stipulations, funding takes place within two to four business days.


    Most clients are approved in the $25,000 to $50,000 range; our funding programs start at $3,000 and go as high as $300,000!


    After completed contracts are submitted with all required underwriting stipulations, funding generally happens in less than three business days. Most clients receive their financing within a week from the time they submit a completed application with necessary statements.


    All funded merchants will have access to a dedicated customer service department available for payment and balance inquiries.

Our Products

Merchant Cash Advance


Express Program

Funding Amounts
$7,500 - $300,000
$7,500 - $300,000
$3,000 - $30,000
Minimum FICO Score
Minimum Time In Business
3 Months
3 Months
3 Months
Minimum Sales Volume
$8,500 in Gross Sales & 10 Deposits/Batches
$8,500 in Gross Sales & 10 Deposits/Batches
$8,500 in Gross Sales & 10 Deposits/Batches
Available Collection Methods
Split Collection or Lockbox
Direct ACH
Split Collection or Direct ACH
Required Items For Submission
  • Signed Application
  • 3 Most Recent Months Credit Card Processing Statements
  • 3 Most Recent Months Business Bank Statements
  • Signed Application
  • 1 Most Recent Month Credit Card Processing Statements
  • 6 Most Recent Months Business Bank Statements
  • Signed Application
  • 3 Most Recent Months Credit Card Processing Statements
  • 3 Most Recent Months Business Bank Statements
Required Items On Most Files
  • Lease Agreement (Terms and Signature Pages)
  • Proof of Ownership
  • Driver's License(s) of Owners
  • Voided Check for Business Bank Account


Site Terms and Conditions of Use

Site Terms and Conditions of Use Last updated: January 11, 2016 AGREEMENT BETWEEN USER AND RAPID CAPITAL FINANCE, LLC 1. User's Acknowledgment and Acceptance of Terms. RAPID CAPITAL FINANCE, LLC ("Us" or "We") provides the site and various related services (collectively, the "site") to you, the user, subject to your compliance with all the terms, conditions, and notices contained or referenced herein (the "Terms of Use"), as well as any other written agreement between us and you. In addition, when using particular services or materials on this site, users shall be subject to any posted rules applicable to such services or materials that may contain terms and conditions in addition to those in these Terms of Use. All such guidelines or rules are hereby incorporated by reference into these Terms of Use. BY USING THIS SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT WISH TO BE BOUND BY THE THESE TERMS OF USE, PLEASE EXIT THE SITE NOW. YOUR REMEDY FOR DISSATISFACTION WITH THIS SITE, OR ANY PRODUCTS, SERVICES, CONTENT, OR OTHER INFORMATION AVAILABLE ON OR THROUGH THIS SITE, IS TO STOP USING THE SITE AND/OR THOSE PARTICULAR PRODUCTS OR SERVICES. YOUR AGREEMENT WITH US REGARDING COMPLIANCE WITH THESE TERMS OF USE BECOMES EFFECTIVE IMMEDIATELY UPON COMMENCEMENT OF YOUR USE OF THIS SITE. YOU AGREE TO MANDATORY ARBITRATION AND WAIVER OF THE ABILITY TO BRING A CLAIM IN A CLASS ACTION FORMAT. We expressly reserve the right to change these Terms of Use from time to time without notice to you. You acknowledge and agree that it is your responsibility to review this site and these Terms of Use from time to time and to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgement of the modified Terms of Use and agreement to abide and be bound by the modified Terms of Use. As used in these Terms of Use, references to our "Affiliates" include our owners, subsidiaries, affiliated companies, officers, directors, suppliers, partners, sponsors, and advertisers, and includes (without limitation) all parties involved in creating, producing, and/or delivering this site and/or its contents. 2. Description of Services. We make various services available on this site including, but not limited to, funding products, funding services, incentive programs, financing sources, merchant loans, and other like services. You are responsible for providing, at your own expense, all equipment necessary to use the services, including a computer, modem, and Internet access (including payment of all fees associated with such access). We reserve the sole right to either modify or discontinue the site, including any of the sites features, at any time with or without notice to you. We will not be liable to you or any third party should we exercise such right. Any new features that augment or enhance the then-current services on this site shall also be subject to these Terms of Use. 3. Registration Data and Privacy. In order to access some of the services on this site, you will be required to use an account and password that can be obtained by completing our online registration form, which requests certain information and data ("Registration Data"), and maintaining and updating your Registration Data as required. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete, and accurate. You also grant us the right to disclose to third parties certain Registration Data about you. The information we obtain through your use of this site, including your Registration Data, is subject to our Privacy Policy, which is specifically incorporated by reference into these Terms of Use. 4. SMS and Auto Dialed Calls. By registering with the site you expressly request to receive information concerning new offers and services from Rapid Capital Finding and its partners via telephone call and text/SMS message (including through the use of an automatic telephone dialing system or artificial/prerecorded voice, SMS or MMS (text) messages to the number(s) that you provide, even if your telephone number(s) is/are currently listed on any state, federal or corporate Do Not Call list). Consent is not a requirement to purchasing the goods or services that Rapid Capital Finance, LLC is offering. Standard text message rates and cellular data charges apply. You may opt-out by replying "stop" to any message that you receive. 5. Third Party Merchants. We may provide offers from third party partners and affiliates which may allow you to order, receive, or redeem various products and services by businesses that are not owned or operated by us. The delivery, guarantee, maintenance, and all other matters concerning your transactions with these businesses are solely between you and such businesses. We do not endorse, warrant, or guarantee any such third party offers and we are not liable for the accuracy, completeness, or usefulness of such information or the availability of any offers. 6. Conduct on Site. Your use of the site is subject to all applicable laws and regulations, and you are solely responsible for the substance of your communications through the site. As a condition of your use of the site, you warrant to Company that you will not use the site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the site in any manner which could damage, disable, overburden, or impair the site or interfere with any other party’s use and enjoyment of it. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the site. You agree that we may at any time, and at our sole discretion, terminate your membership, account, or other affiliation with our site without prior notice to you for violating any of the above provisions. In addition, you acknowledge that we will cooperate fully with investigations of violations of systems or network security at other sites, including cooperating with law enforcement authorities in investigating suspected criminal violations. 7. Third Party Sites and Information. This site may link you to other sites on the Internet or otherwise include references to information, documents, software, materials and/or services provided by other parties. These sites may contain information or material that some people may find inappropriate or offensive. These other sites and parties are not under our control, and you acknowledge that we are not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites, nor are we responsible for errors or omissions in any references to other parties or their products and services. The inclusion of such a link or reference is provided merely as a convenience and does not imply endorsement of, or association with, the site or party by us, or any warranty of any kind, either express or implied. 8. Intellectual Property Information. All Rights Reserved. For purposes of these Terms of Use, "content" is defined as any information, data, communications, software, photos, video, graphics, music, sounds, and other material and services that can be viewed by users on our site. This includes message boards, chat, and other original content. By accepting these Terms of Use, you acknowledge and agree that all content presented to you on this site is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws, and is the sole property of RAPID CAPITAL FINANCE, LLC and/or its Affiliates. You are only permitted to use the content as expressly authorized by us or the specific content provider. Except for a single copy made for personal use only, you may not copy, reproduce, modify, republish, upload, post, transmit, or distribute any documents or information from this site in any form or by any means without prior written permission from us or the specific content provider, and you are solely responsible for obtaining permission before reusing any copyrighted material that is available on this site. Any unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws and could result in criminal or civil penalties. Neither we or our Affiliates warrant or represent that your use of materials displayed on, or obtained through, this site will not infringe the rights of third parties. All custom graphics, icons, logos and service names are registered trademarks, trademarks or service marks of RAPID CAPITAL FINANCE, LLC or its Affiliates. All other trademarks or service marks are property of their respective owners. Nothing in these Terms of Use grants you any right to use any trademark, service mark, logo, and/or the name of RAPID CAPITAL FINANCE, LLC or its Affiliates. 9. Copyright Infringement Policy. In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA"), Company will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA: • a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner; • identification of the copyrighted work(s) claimed to have been infringed, including copyright date; • identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located; • information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address; • a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and • a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner. Company’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address: Designated Agent – Copyright Infringement Claims Rapid Capital Finance, LLC c/o Allison Mendoza 11900 Biscayne Blvd. Miami, FL 33181 Phone: 888.702.2748 You acknowledge and agree that upon receipt of a notice of a claim of copyright infringement, we may immediately remove the identified materials from our site without liability to you or any other party and that the claims of the complaining party and the party that originally posted the materials will be referred to the United States Copyright Office for adjudication as provided in the Digital Millennium Copyright Act. 10. Potential Disruption of Service. Access to the site may from time to time be unavailable, delayed, limited or slowed due to, among other things: • Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment • Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content • Overload of system capacities • Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters • Interruption (whether partial or total) of power supplies or other utility of service • strike or other stoppage (whether partial or total) of labor • Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention • Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Rapid Capital Finance, LLC. 11. Disclaimer of Warranties. YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. COMPANY DOES NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES (AS HEREINAFTER DEFINED) YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SERVICES OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL A "DISABLING DEVICE" IS DEFINED AS ANY SOFTWARE, DOCUMENT, MESSAGE OR OTHER MATERIAL WHICH CONTAINS A COMPUTER VIRUS, WORM, TROJAN HORSE, TIME-BOMB OR OTHER HARMFUL DEVICE WHICH MAY ERASE, SCRAMBLE, LOCK OR DISABLE COMPUTER SOFTWARE OR EQUIPMENT OR MAY PREVENT USERS FROM USING A WEBSITE OR ANY OTHER ITEM OF HARDWARE OR SOFTWARE. SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 12. Limitation of Liability. IN NO EVENT SHALL WE OR OUR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, PUNITIVE, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR OF ANY WEB SITE REFERENCED OR LINKED TO FROM THIS SITE. FURTHER, WE SHALL NOT BE LIABLE IN ANY WAY FOR THIRD PARTY GOODS AND SERVICES OFFERED THROUGH THIS SITE OR FOR ASSISTANCE IN CONDUCTING COMMERCIAL TRANSACTIONS THROUGH THIS SITE, INCLUDING WITHOUT LIMITATION THE PROCESSING OF ORDERS. SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. 13. Indemnification. Upon a request by us, you agree to defend, indemnify, and hold us and our Affiliates harmless from all liabilities, claims, and expenses, including attorney’s fees that arise from your use or misuse of this site. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. 14. ARBITRATION AND CLASS ACTION WAIVER. For any dispute or controversy arising from the site, (including use, access, data loss) as well as any service or transactions between you and us and/or any related entity, you agree to first contact us at to attempt to resolve the dispute or controversy informally. Any controversy or claim that cannot be resolved through such informal process or through negotiation within 120 days shall be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered may be entered in any court having jurisdiction thereof. The arbitration will be conducted in the English language in the city of Miami, Florida by a single neutral arbitrator. You agree that disputes will only be arbitrated on an individual basis and shall not be consolidated, on a class wide, representative basis, or with any other arbitration(s) or other proceedings that involve any claim or controversy of any other party. If for any reason this arbitration clause is unenforceable or inapplicable, both you and we agree, to the extent permissible by law, to waive any right to pursue any claims on a class action basis. If any portion of this class action waiver is limited, void, or unenforceable, then our agreement to arbitrate under this section will not apply and any controversy or claim must be brought exclusively in the state and federal courts in Miami, Florida. 15. Security and Password. You are solely responsible for maintaining the confidentiality of your password and account and for any and all statements made and acts or omissions that occur through the use of your password and account. Therefore, you must take steps to ensure that others do not gain access to your password and account. Our personnel will never ask you for your password. You may not transfer or share your account with anyone, and we reserve the right to immediately terminate your account if you do transfer or share your account. 16. Participation in Promotions. From time to time, this site may include advertisements offered by third parties. You may enter into correspondence with or participate in promotions of the advertisers showing their products on this site. Any such correspondence or promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between you and the advertiser. We assume no liability, obligation or responsibility for any part of any such correspondence or promotion. 17. E-mail, Messaging, Blogging, and Chat Services. We may make email, messaging, blogging, or chat services (collectively, "Communications") available to users of our site, either directly or through a third-party provider. We make available separate supplemental agreements characterizing the relationship between you and us that, except where expressly noted or contradictory, includes these Terms. We will not inspect or disclose the contents of private Communications except with the consent of the sender or the recipient, or in the narrowly-defined situations provided under the Electronic Communications Privacy Act, or as other required by law or by court or governmental order. Further information is available in our Privacy Policy. We may employ automated monitoring devices or techniques to protect our users from mass unsolicited communications (also known as "spam") and/or other types of electronic communications that we deem inconsistent with our business purposes. However, such devices or techniques are not perfect, and we will not be responsible for any legitimate communication that is blocked, or for any unsolicited communication that is not blocked. Mailboxes may have a limited storage capacity. If you exceed the maximum permitted storage space, we may employ automated devices that delete or block email messages that exceed the limit. We will not be responsible for such deleted or blocked messages. 18. International Use. Although this site may be accessible worldwide, we make no representation that materials on this site are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws. Any offer for any product, service, and/or information made in connection with this site is void where prohibited. 19. Termination of Use. You agree that we may, in our sole discretion, terminate or suspend your access to all or part of the site with or without notice and for any reason, including, without limitation, breach of these Terms of Use. Any suspected fraudulent, abusive or illegal activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon termination or suspension, regardless of the reasons therefore, your right to use the services available on this site immediately ceases, and you acknowledge and agree that we may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or this site. We shall not be liable to you or any third party for any claims or damages arising out of any termination or suspension or any other actions taken by us in connection with such termination or suspension. 20. Governing Law. This site (excluding any linked sites) is controlled by us from our offices within the Florida, United States of America. It can be accessed from all 50 states, as well as from other countries around the world. As each of these places has laws that may differ from those of Florida, by accessing this site both of us agree that the statutes and laws of the State of Florida, without regard to the conflicts of laws principles thereof and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this site and the purchase of products and services available through this site. Each of us agrees and hereby submits to the exclusive personal jurisdiction and venue any court of competent jurisdiction within the State of Florida with respect to such matters. 21. Notices. All notices to a party shall be in writing and shall be made either via email or conventional mail. Notices to us must be sent to the attention of Customer Service at, if by email, or at RAPID CAPITAL FINANCE, LLC 11900 BISCAYNE BLVD. MIAMI FL 33181 if by conventional mail. Notices to you may be sent to the address supplied by you as part of your Registration Data. In addition, we may broadcast notices or messages through the site to inform you of changes to the site or other matters of importance, and such broadcasts shall constitute notice to you at the time of sending. 22. Entire Agreement. These terms and conditions constitute the entire agreement and understanding between us concerning the subject matter of this agreement and supersedes all prior agreements and understandings of the parties with respect to that subject matter. These Terms of Use may not be altered, supplemented, or amended by the use of any other document(s). Any attempt to alter, supplement or amend this document or to enter an order for products or services which are subject to additional or altered terms and conditions shall be null and void, unless otherwise agreed to in a written agreement signed by you and us. To the extent that anything in or associated with this site is in conflict or inconsistent with these Terms of Use, these Terms of Use shall take precedence. 23. Violations of Terms and Conditions of use. We reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions of Use, including the right to block access from a particular Internet address to the site, and irreparable harm will be presumed by any violation of these Terms and Conditions of Use. 24. Miscellaneous. In any action to enforce these Terms of Use, the prevailing party will be entitled to costs and attorneys' fees. Any cause of action brought by you against us or our Affiliates must be instituted with one year after the cause of action arises or be deemed forever waived and barred. You may not assign your rights and obligations under these Terms of Use to any party, and any purported attempt to do so will be null and void. We may free assign our rights and obligations under these Terms of Use. You agree not to sell, resell, reproduce, duplicate, copy or use for any commercial purposes any portion of this site, or use of or access to this site. In addition to any excuse provided by applicable law, we shall be excused from liability for non-delivery or delay in delivery of products and services available through our site arising from any event beyond our reasonable control, whether or not foreseeable by either party, including but not limited to, labor disturbance, war, fire, accident, adverse weather, inability to secure transportation, governmental act or regulation, and other causes or events beyond our reasonable control, whether or not similar to those which are enumerated above. If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect. Any failure by us to enforce or exercise any provision of these Terms of Use or related rights shall not constitute a waiver of that right or provision. 25. Anti-Money Laundering Policy. We are strongly committed to preventing the use of our operations for money laundering or any activity, which facilitate money laundering, or the funding of terrorist or criminal activities. Accordingly, we will comply with all applicable laws, and regulations designed to combat money laundering activity and terrorist financing, enacted by the Government, all International Laws to which the Government is in cooperation with the USA Patriot Act and with the appropriate authorities in efforts to prevent any such misuse of the financial channels. Every employee is required to act in furtherance of this policy statement to protect Rapid Capital Finance, LLC. from exploitation by money launders or terrorists. 26. Contact Information. Except as explicitly noted on this site, the services available through this site are offered by RAPID CAPITAL FINANCE, LLC located at 11900 BISCAYNE BLVD. MIAMI FL 33181. Our telephone number is 888.702.2748. If you notice that any user is violating these Terms of Use, please contact us at

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