Terms of Use

Effective November 11, 2026

These terms govern your use of this website, which is operated by Truelabel Inc, doing business as Bluecove ("Bluecove", "Truelabel", "we", "us"), a Wyoming corporation. By using the website or submitting an application, you agree to these terms and to our Privacy Policy.

What we do, and what we don't

Truelabel collects your request for business funding and passes it to one or more funding partners. Truelabel is not a lender, does not make credit decisions, and does not offer, arrange or negotiate the terms of any funding. Our funding partner decides whether to offer funding and on what terms, and any funding agreement is between you and that funding partner. Funding partners may pay Truelabel for referrals.

Submitting an application does not guarantee that you will be contacted, approved or funded. Amounts, terms and timing depend on the funding partner's review. The calculator on this website does not produce an offer or estimate of terms; it fills its answers into your application.

Who can apply

You must be at least 18, apply for a business located in the United States, and be authorized to apply on the business's behalf.

Your information

You agree that the information you provide is true, accurate and complete, and that it belongs to you or to a business you are authorized to represent.

Funding authorization

When you check the authorization box and submit your application, you:

• confirm you are authorized to apply for the business named in the application;
• authorize Truelabel to share your application, including your Social Security number, with its funding partners;
• authorize those funding partners to obtain business and personal credit reports, and to verify the information you provided with third parties, to review your request; and
• understand that a funding partner may share your application with other funding sources, as described in its own privacy policy.

Calls and texts

If you check the box to agree, you consent to receive calls and text messages from Bluecove (Truelabel Inc) and its funding partners at the number you provided about your funding request, including calls and texts made with automated technology. Consent is not a condition of applying. Message and data rates may apply, and message frequency varies. Reply STOP to stop texts and HELP for help. You can also withdraw consent by emailing support@joinopenfile.com.

Electronic communications

You agree that we may give you notices and records electronically, and that your electronic agreement to these terms and to the authorization above has the same effect as a signature.

Acceptable use

Don't submit information about anyone you're not authorized to represent, submit false or fraudulent applications, interfere with the website's security or operation, or copy or scrape it with automated tools.

Third parties

A funding partner's own terms, privacy policy and funding agreements govern your relationship with it. We are not responsible for funding partners' decisions, products or services, or for third-party websites linked from this one.

Ownership

The website and its content belong to Truelabel or its licensors. "Bluecove" and its logo belong to Truelabel Inc.

Disclaimers

The website is provided "as is" and "as available". To the extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. Nothing on this website is financial, legal or tax advice.

Limitation of liability

To the extent the law allows, Truelabel will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits or data, arising from your use of the website or from any funding decision. Our total liability for any claim relating to the website will not exceed $100.

Indemnity

You agree to cover Truelabel's losses and reasonable costs from any claim caused by information you submit that is false or that you weren't authorized to submit, or by your breach of these terms.

Governing law

These terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-law rules, and any dispute will be heard in the state or federal courts located in Wyoming.

Changes

We may update these terms by posting a new version on this page with a new effective date. Using the website after that means you accept the updated terms.

Contact us

Truelabel Inc, 5830 E 2nd St, Ste 7000, PMB 35111, Casper, WY 82609, or email support@joinopenfile.com.