Last Updated: May 10, 2026
These Terms of Service (“Terms”) govern your access to and use of https://receivablestorunway.com, including all pages, checkout pages, email signup forms, contact forms, calculators, digital downloads, products, content, and related services offered by Kaw Valley Digital, LLC, doing business as Kaw Valley Financial (“Company,” “we,” “us,” or “our”).
By visiting the website, submitting information, signing up for emails, purchasing products, downloading materials, or using our services, you agree to these Terms.
If you do not agree, do not use the website or purchase products from us.
1. Business Information
Legal Name: Kaw Valley Digital, LLC
DBA / Brand: Kaw Valley Financial
Website: https://receivablestorunway.com
Mailing Address: 21302 W 124th St, Olathe, KS 66061
Contact Email: info@kawvalleyfinancial.com
2. Intended Audience
The website and products are intended for business owners, business operators, and business decision-makers located in the United States. The website is not intended for minors, consumers seeking personal financial advice, or users outside the United States.
You must be at least 18 years old to use the website, submit information, make purchases, or request services.
3. What We Provide
We provide educational digital products, business finance resources, invoice factoring information, cash-flow strategy materials, downloadable PDFs, related tools, and related communications.
We may also provide consulting, commercial finance brokerage support, financing-related guidance, and introductions to lenders, brokers, financing providers, or partners.
Products may include, but are not limited to:
- Educational eBooks
- Workbooks
- Digital PDF downloads
- Templates, spreadsheets, or tools
- Tripwire offers
- Upsells
- Order bumps
- Email funnel content
- Related educational or promotional materials
Current offer prices may include products at $4.99, $21.99, and $49, but prices may change at any time and the price shown at checkout controls.
4. Educational Use Only; No Guaranteed Outcome
Our content is designed to educate business owners about invoice factoring, receivables financing, cash-flow pressure, and related business finance topics.
We do not guarantee that you will:
- Qualify for financing
- Receive funding
- Receive specific factoring terms
- Improve cash flow
- Save money
- Avoid insolvency
- Resolve business distress
- Increase revenue or profit
- Achieve any specific business, financial, or operational result
Your results depend on your business, customers, receivables, financial condition, documentation, lender criteria, market conditions, and other factors outside our control.
5. No Legal, Tax, Accounting, Investment, or Credit Advice
The website and products are not legal, tax, accounting, investment, or credit advice. You should consult qualified professionals before making legal, tax, accounting, financing, credit, or major business decisions.
Any business finance information is general in nature and may not apply to your specific situation.
6. Financing Referrals and Lender Introductions
We may act as a commercial finance broker, consultant, referral source, or intermediary. If you request help, we may introduce you to lenders, brokers, factoring companies, financing providers, or related partners.
You understand and agree that:
- We are not a lender unless expressly stated in writing.
- We do not make final credit or funding decisions for third-party lenders or financing providers.
- Third-party providers set their own underwriting standards, pricing, fees, terms, approvals, denials, and documentation requirements.
- Any financing offer is subject to underwriting, due diligence, documentation, and final approval by the provider.
- You are responsible for reviewing all financing documents, fees, costs, liens, guarantees, termination provisions, minimums, reserves, recourse terms, and other obligations before signing.
7. Purchases and Payment
You agree to provide accurate billing, contact, and payment information when making a purchase.
Payments may be processed by third-party payment processors such as Stripe and/or Square. By submitting payment information, you authorize the applicable payment processor to charge the selected payment method for the purchase amount shown at checkout.
We may refuse, cancel, or limit any order if we believe the transaction is fraudulent, abusive, unauthorized, or violates these Terms.
8. Digital Product Delivery
Digital products are typically delivered by email link, download link, checkout confirmation, or other digital delivery method.
You are responsible for providing a valid email address and checking spam, promotions, and junk folders. If you do not receive your product after purchase, contact us at info@kawvalleyfinancial.com.
9. Refunds
Refunds are governed by our Refund Policy, included below. Unless otherwise stated, refund requests must be submitted within 15 days of purchase.
10. Chargebacks and Payment Disputes
Chargebacks and payment disputes are governed by our Chargeback Policy, included below.
If there is an issue with your order, delivery, duplicate purchase, or access, contact us first at info@kawvalleyfinancial.com so we can try to resolve it.
11. License to Use Digital Products
When you purchase or download a product, you receive a limited, non-exclusive, non-transferable, revocable license to use the product for your own personal business use or internal business use.
You may:
- Download the product for your own use
- Print a copy for your own use
- Share the product internally with employees, team members, or advisors involved in your business decision-making
You may not:
- Resell the product
- Upload it to public websites, file-sharing sites, marketplaces, or social media
- Copy and redistribute it outside your business
- Modify and sell it as your own
- Use it to create a competing product
- Remove copyright, trademark, branding, or ownership notices
- Share download links with unauthorized users
- Use the content for unlawful, misleading, or abusive purposes
All intellectual property rights remain owned by Kaw Valley Digital, LLC d/b/a Kaw Valley Financial or its licensors.
12. User Submissions
If you submit messages, form responses, inquiries, testimonials, feedback, or other information, you represent that the information is accurate to the best of your knowledge and that you have the right to submit it.
You agree not to submit unlawful, false, misleading, confidential, abusive, infringing, or malicious content.
If you provide feedback, suggestions, or testimonials, you grant us permission to use that feedback for business, marketing, product improvement, or customer service purposes, unless you tell us otherwise in writing.
13. Testimonials, Examples, and Case Studies
Testimonials, examples, and case studies are for illustration only. They are not promises, guarantees, or predictions that you will achieve the same or similar results.
Individual results vary based on business circumstances, customer quality, receivables, documentation, debt, margins, industry, lender criteria, and other factors.
14. Prohibited Uses
You agree not to use the website, products, forms, downloads, or services to:
- Violate any law or regulation
- Submit false, fraudulent, or misleading information
- Interfere with the website’s security or operation
- Attempt unauthorized access to systems or accounts
- Copy, scrape, reproduce, or exploit website content without permission
- Resell, redistribute, or publicly post our digital products
- Use the website to transmit malware, spam, or harmful code
- Impersonate another person or business
- Infringe intellectual property or privacy rights
- Abuse refund, payment, or chargeback processes
15. Third-Party Services and Links
The website may use or link to third-party services, including payment processors, form providers, email systems, analytics providers, advertising platforms, lenders, brokers, referral partners, and other external websites.
We are not responsible for third-party websites, products, terms, privacy practices, approvals, denials, fees, communications, decisions, or services.
Your use of third-party services is governed by their terms and policies.
16. No Warranty
The website, products, downloads, tools, content, and services are provided “as is” and “as available.”
We do not warrant that:
- The website will be uninterrupted or error-free
- Digital products will meet your specific needs
- Information will always be complete, current, or error-free
- Third-party tools will operate without interruption
- Any financing provider will approve or fund you
- Any business outcome will occur
To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.
17. Limitation of Liability
To the fullest extent permitted by law, Kaw Valley Digital, LLC d/b/a Kaw Valley Financial and its owners, officers, employees, contractors, partners, service providers, and affiliates will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost revenue, loss of business opportunity, loss of data, financing denial, unfavorable financing terms, business interruption, or business losses.
To the fullest extent permitted by law, our total liability for any claim related to the website, products, or services will not exceed the amount you paid to us for the specific product or service giving rise to the claim.
Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.
18. Indemnification
You agree to indemnify, defend, and hold harmless Kaw Valley Digital, LLC d/b/a Kaw Valley Financial and its owners, officers, employees, contractors, partners, service providers, and affiliates from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or related to:
- Your use of the website or products
- Your violation of these Terms
- Your submission of inaccurate, unlawful, or misleading information
- Your misuse of digital products
- Your violation of another party’s rights
- Your business decisions, financing decisions, or third-party financing relationships
19. Changes to Products, Prices, and Terms
We may change, update, discontinue, or remove products, prices, offers, promotions, content, tools, pages, or services at any time.
We may update these Terms from time to time. The “Last Updated” date will show when the Terms were most recently revised. Continued use of the website after changes are posted means you accept the updated Terms.
20. Termination
We may suspend or terminate access to the website, products, downloads, or services if we believe you violated these Terms, misused content, submitted fraudulent information, abused refund or chargeback procedures, or engaged in unlawful or harmful conduct.
21. Governing Law and Venue
These Terms are governed by the laws of the State of Kansas, without regard to conflict-of-law principles.
Unless otherwise required by law, any dispute arising from or relating to the website, products, services, or these Terms will be brought in the state or federal courts located in Kansas.
22. Individual Claims Only
To the fullest extent permitted by law, disputes must be resolved on an individual basis. You agree not to bring or participate in any class action, collective action, private attorney general action, or representative proceeding against us.
This provision should be reviewed by an attorney before publication.
23. Contact
Kaw Valley Digital, LLC d/b/a Kaw Valley Financial
21302 W 124th St
Olathe, KS 66061
Email: info@kawvalleyfinancial.com