Terms & Conditions

Effective Date: April 2, 2026

Welcome to HLM Concrete Contractors LLC. By accessing or using our website and services, you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully.

Acceptance of Terms

By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

Services

HLM Concrete Contractors LLC is a direct business lender providing various financing solutions to qualified businesses. All financing is subject to application, underwriting, and approval. Not all applicants will qualify for financing.

No Guarantee of Approval

Submission of an application does not guarantee approval or funding. All applications are subject to our underwriting criteria and approval process.

Eligibility

To apply for our services, you must:

  • Be at least 18 years of age
  • Have authority to bind the business entity
  • Operate a legitimate business
  • Provide accurate and truthful information

Application Process

When you submit an application, you agree to:

  • Provide accurate, current, and complete information
  • Authorize us to verify the information provided
  • Authorize us to obtain credit reports and financial information
  • Respond promptly to requests for additional information

SMS Terms & Conditions

By opting in to receive SMS messages from HLM Concrete Contractors LLC, you agree to the following terms:

Consent

You expressly consent to receive recurring marketing and promotional SMS/MMS messages from HLM Concrete Contractors LLC sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

Message Frequency

Message frequency varies. You may receive up to 4 messages per month. Actual frequency will depend on your interactions and our promotional schedule.

Charges

Message and data rates may apply based on your mobile carrier's plan. Please consult with your carrier regarding applicable charges.

Supported Carriers

Our SMS service is available on all major U.S. wireless carriers, but we cannot guarantee compatibility with all carriers or devices.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by:

  • Replying STOP to any message
  • Contacting us at harry@hlmconcretecontractors.com

After you opt out, you will receive a final confirmation message. You will not receive further messages unless you opt back in.

Help

For assistance with SMS messages, reply HELP to any message or contact us at harry@hlmconcretecontractors.com.

Not a Condition of Purchase

Consent to receive SMS messages is NOT a condition of purchase or receiving financing from HLM Concrete Contractors LLC. You may apply for and receive our services without opting in to text messages.

Changes to SMS Program

We reserve the right to modify or discontinue our SMS program at any time. We will notify you of material changes via SMS or email.

Use of Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of the website
  • Submit false, misleading, or fraudulent information

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of HLM Concrete Contractors LLC and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

  • The website will be uninterrupted or error-free
  • Defects will be corrected
  • The website is free of viruses or harmful components

Limitation of Liability

To the fullest extent permitted by law, HLM Concrete Contractors LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services.

Indemnification

You agree to indemnify and hold harmless HLM Concrete Contractors LLC and its officers, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of North Carolina.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.

Contact Information

If you have questions about these Terms, please contact us:

HLM Concrete Contractors LLC
2266 Mt. Misery Rd
Leland, NC 28451
Email: harry@hlmconcretecontractors.com

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.