Our terms, privacy policy, and disclosures. Synzova operates as a matching and introduction platform only — not as a broker-dealer, investment advisor, or financial institution.
By accessing or using the Synzova platform, website, or any related services (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Platform.
These Terms apply to all users of the Platform, including commercial borrowers, institutional lenders, and any other visitors or users.
Synzova provides an AI-powered commercial lending matchmaking platform that:
Synzova does not originate, underwrite, fund, guarantee, or arrange loans. Synzova does not act as an agent, representative, or fiduciary of any borrower or lender. All lending decisions, credit assessments, and loan terms are determined solely by the respective lenders.
You must be at least 18 years of age and have the legal authority to enter into binding contracts on behalf of yourself or the entity you represent. Institutional lender accounts require that the subscribing entity be a duly organized legal entity with authority to engage in commercial lending activities.
Access to certain Platform features requires a paid subscription. Subscriptions are billed on a monthly or annual basis, as selected at checkout. All payments are processed by Stripe. Synzova does not store payment card information.
Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings. No refunds are provided for partial billing periods.
Synzova reserves the right to change subscription pricing with thirty (30) days prior notice.
You represent and warrant that all information submitted in your deal profile is accurate, complete, and not misleading. Submission of false or materially inaccurate financial information may result in immediate account termination and may expose you to legal liability.
You represent and warrant that your lending mandate data accurately reflects your current appetite and authority to lend. You agree to maintain accurate mandate information and to update it promptly when your lending criteria change.
The Platform, including all software, algorithms, content, and design, is owned by Synzova and protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for its intended purpose only.
THE PLATFORM IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. SYNZOVA DOES NOT WARRANT THAT MATCHES WILL RESULT IN COMPLETED TRANSACTIONS, THAT LENDERS WILL RESPOND TO INTRODUCTIONS, OR THAT THE MATCHING ALGORITHM WILL PRODUCE ANY PARTICULAR OUTCOME.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SYNZOVA'S TOTAL LIABILITY ARISING FROM OR RELATED TO YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE SUBSCRIPTION FEES PAID BY YOU IN THE THREE (3) MONTHS PRECEDING THE CLAIM.
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Platform shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Synzova does not sell personal data to third parties. Synzova does not use borrower financial data for any purpose other than matching and introduction facilitation.
Borrower deal profile data is shared only with lenders who have been algorithmically matched to that deal. Borrowers consent to this sharing as part of the deal submission process. Lenders may only access borrower data for the specific deal for which a match was generated.
We do not share personal data with advertisers, data brokers, or unrelated third parties. We may share data with service providers who assist in platform operations (hosting, payment processing, email delivery) under appropriate data processing agreements.
Borrower financial data is encrypted at rest using AES-256 encryption and in transit using TLS 1.3. Access to borrower data is restricted to authorized platform systems and, for matched deals, to the matched lender only. We maintain audit logs of all data access events.
Active deal profiles are retained for the duration of your subscription. If you cancel your subscription, your deal profiles and associated data are deleted within 90 days. You may request immediate deletion of your data by contacting privacy@synzova.com. We will process deletion requests within 30 days.
Synzova is not a registered broker-dealer and does not act as a broker-dealer in connection with any transaction facilitated through the Platform. Synzova does not negotiate loan terms, receive transaction-based compensation, or act as an agent for any borrower or lender.
Subscriptions fees paid to Synzova are for access to the matching platform and are not tied to, contingent upon, or calculated based on any transaction amount or outcome.
Nothing on the Synzova Platform constitutes financial advice, investment advice, legal advice, credit advice, or any other form of professional advice. Match scores and AI reasoning are informational tools to facilitate introductions — they do not constitute recommendations, endorsements, or assessments of creditworthiness.
All borrowers and lenders are encouraged to obtain independent legal, financial, and credit advice before entering into any transaction.
Match scores represent the AI's assessment of fit based on available data. They do not guarantee that a lender will extend credit, respond to an introduction, or close a transaction. Synzova makes no representation regarding the likelihood of any transaction closing.
Synzova's matching engine uses a proprietary machine learning model trained on lender mandate data and historical engagement signals. The model produces match scores based on multiple dimensions including deal type, facility size, geography, sector, collateral type, and leverage. The model is updated continuously as new engagement data becomes available.
Match scores are algorithmic outputs and should not be treated as financial assessments, credit opinions, or recommendations. Human review and oversight of the model is conducted on a regular basis by Synzova's team.
Synzova operates as a technology platform providing matching and introduction services. Synzova is not a licensed lender, mortgage broker, commercial finance broker, or money services business in any state. Users are responsible for ensuring that their use of the Platform complies with applicable state and federal laws.