top of page



Welcome to the website of Honeycomb Credit, Inc.


Please read these Terms of Use carefully before using our website. By using our website, even just browsing, you agree to be bound by these Terms of Use.


These Terms of Use constitute a legally binding contract between you on one hand and Honeycomb Credit, Inc., Honeycomb Portal, LLC, Honeycomb SMB, LLC and our other affiliates on the other hand. If you have any questions about its meaning you should consult with an attorney before using the website.




Summary of Service


This is an electronic platform where business owners can seek to borrow money from investors, and where investors can browse opportunities to make investments to businesses. Registered users can also participate in blogs and chat rooms, read educational materials, and take advantage of other features that we might add from time to time.


Educational Materials


To learn more about who we are, what we do, and how we do it, please read our Educational Materials.




The following definitions are used in these Terms of Use:

  • “Agreement” means these Terms of Use.

  • “Applicant” means a company that has applied to be listed on the Site, to borrow money from investors.

  • “Content” means the images, text, and other content you see on the Site. On some parts of the Site, Users can upload Content.

  • “Company” or words like “we” and “us” mean either Honeycomb Credit, Inc., Honeycomb SMB LLC, or Honeycomb Portal, LLC

  • “FINRA” means the Financial Industry Regulatory Authority.

  • “Honeycomb Portal” means Honeycomb Portal, LLC.

  • “Investor” means a User who uses the Site to browse investment opportunities.

  • “Issuer” means a business that is listed on the Site, trying to borrow money from investors.

  • “SEC” means the U.S. Securities and Exchange Commission.

  • “Service” means everything we do at the Site.

  • “Site” means the website located at

  • “User” means anyone who uses the Site, even just to browse.


Acceptance of Terms; Changes in Terms

If you use the Site, even just to browse, you will be deemed to have consented to the terms of this Agreement. We may also ask you to indicate your consent more formally by checking a box or otherwise taking an affirmative action.


The Service is offered subject to acceptance of all of the terms and conditions contained in these Terms of Use and all other operating rules, policies, and procedures we may publish on the Site, which are incorporated by reference.


The Company may, at its sole discretion, modify or replace these Terms of Use by posting the updated terms on the Site. Unless otherwise indicated by the Company, any changes will become effective on a prospective basis from the date of posting. It is your responsibility to check the Terms of Use periodically for changes. Your continued use of the Service following the posting of any changes to the Terms of Use constitutes acceptance of those changes.


The Company reserves the right to change, suspend, or discontinue the Service or any of its features at any time for any reason. The Company may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability.



To use the Site you must be at last 18 years old and of legal age in your jurisdiction to form a binding contract. If you are not, you must stop using the Site.


We may, in our sole discretion, refuse to offer the Service to any person or entity and/or change our eligibility criteria at any time. This provision is void where prohibited by law and the right to access the Service is revoked in those jurisdictions.


Relationship to Privacy Policy and Other Contracts

Our Privacy Policy is part of this Agreement.


In addition, we may ask that you agree to other terms and conditions depending on your use of the Site. All of such other terms and conditions become part of this Agreement.


There are no agreements or understandings concerning your use of the Site that are not reflected in this Agreement. This Agreement supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and the Company with respect to the Service.




You may browse the Site without registering, but as a condition of using certain aspects of the Service, including the ability to make investments in Issuers, you may be required to register with the Company and select a screen name (“User ID”) and password. You shall not use as a User ID any name or term that (i) is the name of another person, with the intent to impersonate that person; (ii) is subject to any rights of another person, without appropriate authorization; or (iii) is offensive, vulgar, or obscene. The Company reserves the right in its sole discretion to refuse registration of or cancel a User ID.

You are solely responsible for activity that occurs on your account and shall be responsible for maintaining the confidentiality of your password for the Site. We will treat anyone who uses your User ID and password as "you" for all purposes, and we will hold you responsible for the activities of the person using your password. You will never allow any other person to use your account, nor will you use the account of any other User. You will immediately notify the Company in writing of any unauthorized use of your account, or other known account-related security breach.

Consistent with the Company's Privacy Policy, if you invest, you will have consented to the Company's right to identify you by first name, first initial of last name, and location (city/state) for promotional and marketing purposes.

In order to use the payment functionality of the Company's application, you must open a “Dwolla Platform” account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in or transferred through the Dwolla Account are held or transferred by Dwolla’s financial institution partners as described in the Dwolla Terms of Service. You authorize us to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through the Company application, and Dwolla account notifications will be sent by the Company, not Dwolla. The Company will provide customer support for your Dwolla account activity, and can be reached at

Business owners: To help the government fight financial crime, the existing United States Federal customer due diligence rules were amended to clarify and strengthen customer due diligence requirements. The customer due diligence rule imposes a requirement for verifying the identity of beneficial owner(s) of Dwolla’s partners and users that are not natural persons. These legal entities can be abused to disguise involvement in terrorist financing, money laundering, tax evasion, corruption, fraud, and other financial crimes. Requiring the disclosure of key individuals who ultimately own or control a legal entity (i.e., the beneficial owners) helps law enforcement investigate and prosecute these crimes. You must accept the beneficial ownership certification that states “I hereby certify, to the best of my knowledge, the information provided above is complete and correct” On-demand authorization allows Customers to authorize Dwolla to transfer variable amounts from their bank account using ACH at a later point in time for products or services delivered. You must accept the On-demand transfer authorization that states “I agree that future payments to Honeycomb Credit, Inc. will be processed by the Dwolla payment system from the selected account above. In order to cancel this authorization, I will change my payment settings within my Honeycomb account.


Accuracy of Information

You promise that all of the information you provide to us, at the Site or otherwise, will be true and accurate in all respects. If you learn that any of the information you have given to us is incorrect or inaccurate, you will notify us immediately.


Electronic Delivery

You consent to receive from the Company all communications including notices, agreements, legally required disclosures, or other information in connection with the Services electronically. The Company may provide the electronic notices by posting them on the Site. If you desire to withdraw your consent to receive notices electronically, you must discontinue your use of the Services.

Electronic Funds Transfers

Honeycomb Portal LLC processes Electronic Funds Transfers (EFTs) as an efficient method to
receive electronic deposits from investors, to purchase and redeem investments and to issue
refunds to investors. EFTs are processed through the vehicles described below:

        ●   The Automated Clearing House (ACH)
       ●   The Fedwire
       ●   Credit Card

Electronic Funds Transfers Agreement and Disclosure
This Electronic Funds Transfers Agreement and Disclosure (this Agreement) is the contract
which covers you and our rights and responsibilities concerning the EFTs services offered to
you by Honeycomb Portal LLC. In this Agreement, the words “you,” “your,” and “yours” mean an
individual who signs up on the Honeycomb Portal LLC Online Platform (Platform) and utilizes the Platform to participate in offerings (and any authorized users). The words “we,” “us,” and “our” mean Honeycomb Portal LLC. EFTs are electronically initiated transfers of money
from your bank account or credit card account, which you utilize the Platform to initiate, and
which allow you to participate in the Honeycomb Portal LLC offerings. By using any Honeycomb Portal LLC service, you agree to the terms and conditions in this Agreement and any amendments
for the EFTs services offered.

In order to provide the services on our Site, we may share your information with other third parties, such as banks and service providers in relation to completing your investment.

Specifically, in order to use the payment functionality of Honeycomb Portal LLC , you authorize us to share your identity, bank account data and credit card account data with North Capital Private Securities (NCPS) or other qualified broker-dealer registered with the Securities and Exchange Commission and the Financial Industry Regulatory Authority, Inc., and with North Capital Investment Technology (NCIT) for the purpose of processing your EFTs, and you are responsible for the accuracy and completeness of that data. You understand that you will access and are responsible for managing your bank account data and credit card account data through the Platform. You also authorize us and NCPS and NCIT to process EFTs as you direct through Honeycomb Portal LLC.

You acknowledge that none of NCPS, NCIT or we will be liable for any loss, expense or cost
arising out of EFT services provided through your use of Honeycomb Portal LLC, which are based on your instruction; NCPS and NCIT are third party beneficiaries to this Agreement.

Use of Site

You will use the Site only for the purpose for which it was intended, i.e., to provide the Service. You will not use the Site for any other purpose, whether personal or commercial. The Service is provided only for your own personal, non-commercial use, except as otherwise provided. You are responsible for all of your activity in connection with the Service.


Code of Conduct

You will not:

  • Upload, email, or otherwise transmit any images or other Content that are unlawful, obscene, harmful, hateful, invade the privacy of any third party, contain nudity or pornography, concern race, religion, gender, sexual orientation, political persuasion or beotherwise objectionable.

  • Disseminate materials that impact or invade the privacy of others, such as photographs, video clips, sound recordings, personally identifiable information, or other materials that reveal personal, private, or sensitive information about another person, without that person's consent.

  • Submit material that is intentionally false, defamatory, unlawfully threatening, or unlawfully harassing.

  • Post Content that is false, misleading, or inaccurate.

  • Infringe any third party's copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy.

  • Transmit materials that contain any viruses or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or personal information.

  • Use the Service to artificially generate traffic or page links.

  • Use the Service in a manner that breaches any legal duty owed to a third party, such as a contractual duty or a duty of confidence.

  • Use the Site in a manner that could disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site, such as through sending "spam" email.

  • Seek to obtain access to any materials or information through "hacking," "data harvesting," or through other means we have not intentionally made available to you through the Site.

  • Use the Site to violate any law, statute, or regulation (including, without limitation, those governing securities regulation, consumer protection, unfair competition, anti-discrimination, or false advertising) or for any other unlawful purpose.


Additionally, you shall not: (i) take any action that imposes or may impose (as determined by the Company in its sole discretion) an unreasonable or disproportionately large load on the Company’s or its third-party providers’ infrastructure; (ii) interfere or attempt to interfere with the proper working of the Service or any activities conducted on the Service; (iii) bypass any measures the Company may use to prevent or restrict access to the Service (or other accounts, computer systems, or networks connected to the Service); (iv) run Maillist, Listserv, or any form of auto-responder or "spam" on the Service; or (v) use manual or automated software, devices, or other processes to "crawl" or "spider" any page of the Site.


You shall not directly or indirectly: (i) decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Service, except to the extent applicable laws specifically prohibit such restriction; (ii) modify, translate, or otherwise create derivative works of any part of the Service; or (iii) copy, rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder. You shall abide by all applicable local, state, national, and international laws and regulations.


Our Obligation to Enforce Code of Conduct

We will enforce the Code of Conduct described above wherever we become aware of violations and deem enforcement to be necessary. However, we do not necessarily monitor the Site for violations and are not liable for any harm or damages caused to Users by another User’s violation of the Code of Conduct. If you believe the Code of Conduct is being violated, please contact us.


Our Right to Monitor

We may (i) monitor your use of the Site, including email, and other Content you transmit through the Site, (ii) remove, edit, or refuse to post Content, (iii) restrict access from certain websites or other resources, and (iv) take any other actions we deem necessary in our sole discretion to protect our community of Users and our resources. You cannot expect that communications through the Site will remain private.


Our Right to Terminate Use

We reserve the right, with or without notice, to terminate or suspend your access to some or all of the Site if we conclude, in our sole discretion, that you have breached our Code of Conduct or these Terms of Use.

The Role of Honeycomb Portal

If you are an Investor, you understand that Honeycomb Portal is a “funding portal” as described in section 3(a)(80) of the Securities Exchange Act of 1934 and section 4A(a)(1)(B) of the Securities Act of 1933. This means, among other things, that:

  • You cannot purchase securities of Honeycomb Portal on the Site, and you will not acquire any ownership interest in Honeycomb Portal by investing in an Issuer. 

  • Honeycomb Portal does not make any promises, representations, or recommendations about any of the Issuers. You have to decide whether to invest in Issuers on your own, based on information from the Issuers themselves. 

  • All of the information about Issuers that you see on the Site has been provided by the Issuers themselves, not by Honeycomb Portal. Honeycomb Portal does not provide and is not responsible for any of the information about Issuers posted on the Site. 

  • Any contract you enter into with an Issuer is solely between you and the Issuer, and does not involve Honeycomb Portal. Honeycomb Portal does not guarantee that any Issuer will satisfy is contractual obligations to you.

  • Honeycomb Portal is not making any guaranties to you. If you lose all or part of your investment, you will not have a right to recover from Honeycomb Portal, except to the extent Honeycomb Portal is determined to be liable for your loss under Federal securities laws. 

  • Honeycomb Portal performs an anti-money laundering / know-your-customer review and a bad actor compliance check for every Issuer hosted on the platform.


Investment Warnings

If you are an Investor, you understand that:

  • Our Site offers Investors the opportunity to lend money to businesses. However, we do not make recommendations whether a particular opportunity is appropriate for a particular Investor. We are not investment advisers. Investors must make their own investment decisions, either alone or with their personal advisors.

  • Investing in loans to small businesses is risky and unpredictable. You should invest in opportunities listed at the Site only if you can afford to lose your investment.

  • Everything you see about any investment opportunity on the Site is qualified in its entirety by the offering documents for that opportunity.

  • Neither the SEC, FINRA, nor any state agency has reviewed the investment opportunities listed on the Site.

Tracking Visits and Use

To improve the Site and for our own business purposes, we may compile records of your visits to the Site and/or your visits to or use of various elements of the Site (for example, how many investment opportunities you view). All of this information is confidential and subject to our Privacy Policy.



You will not disparage the Company, the Site, or any other User.


Submitting Content

On some parts of the Site, you may submit Content (such as by posting on blogs or discussion boards) subject to the following rules:

  • You grant to us and other Users a royalty-free, non-exclusive, worldwide license, under your intellectual property rights, to copy, reformat, index, modify, display, distribute and put to commercial and other uses your Content, and to sublicense the same rights to others, with or without compensation. No compensation will be paid to you for any such use.

  • Your privacy is not protected with respect to any Content you submit, including your name, address, photographs, etc. We cannot guaranty that that other Users will use your Content in an appropriate or fair manner, or in a manner otherwise anticipated by you. Please use caution.

  • You will be solely responsible for any damage or loss to any party caused by your Content.

  • If you suggest improvements to the Site or our business, we may use your suggestions without acknowledging that they came from you or paying you for them.

  • If you suggest improvements to any Issuer listed on the Site, the Issuer (or any other User) may use your suggestions without acknowledging that they came from you or paying you for them.

  • The Company reserves the right, at any time, for any reason, and without notice, to block, remove, edit, or modify any Content you submit. The Company reserves the right not to comment on the reasons for any of these actions.


Ownership of Intellectual Property

The Company owns or has the legal right to use all of the intellectual property associated with the Site and the Services. This includes, but is not limited to, our name, our trademarks and copyrights, the design of the Site, our trade secrets, our business methods, any artwork, text, video, photographs, or audio used on the Site, and our logos, tag lines, and trade dress.


You have no interest in any of this intellectual property, other than the right (which we may terminate or suspend) to use the Site and the Services in accordance with these Terms and Conditions. You shall not duplicate, publish, display, distribute, modify, create derivative works from, or exploit our intellectual property in any way.

In accordance with the Digital Millennium Copyright Act, the Company has adopted a policy of, in appropriate circumstances, terminating User accounts that are repeat infringers of the intellectual property rights of others. The Company also may terminate User accounts even based on a single infringement.

Your Duty of Confidentiality         

The term “Confidential Information” means information (i) that is designated as “Confidential” or "Proprietary" at the time of disclosure or within a reasonable period thereafter, (ii) that is only available to Users who have registered at the Site, or (iii) a reasonable person would understand to be Confidential.


Confidential Information includes:

  • Our business policies and practices, strategic plans, pricing, financial information and projections, marketing information and strategies;

  • The names of Users of the Site;

  • Information relating to projects listed on the Site, including but not limited to financial projections, project details, and the names of project sponsors, borrowers, and investors; and

  • Information received from third parties that we are obligated to treat as confidential.


You shall keep all Confidential Information in confidence, and not use Confidential Information for any purpose other than as contemplated by the Site. You will use at least the same degree of care in safeguarding Confidential Information as you use in safeguarding your own confidential information and trade secrets, such as your social security number and secret business plans.


Notwithstanding the preceding paragraph, you may disclose Confidential Information if you are required to do so by legal process, provided that you promptly notify us in advance so we can seek a protective order or other relief.


Third-Party Sites

To use the Services, you may be required to visit other websites. In addition, the Service may permit you to link to other websites or resources on the Internet, and other websites or resources may contain links to the Site.


When you access third-party websites, you do so at your own risk. Those other websites are not under the Company's control, and you acknowledge that the Company is not liable for the content, functions, accuracy, legality, appropriateness, or any other aspect of those other websites or resources. The inclusion on another website of any link to the Site does not imply endorsement by or affiliation with the Company. You further acknowledge and agree that the Company shall not be liable for any damage related to the use of any content, goods, or services available through any third-party website or resource, or for any breaches of your personal information that occur through such third-party websites.  


Copyright Notifications

The Company will remove infringing materials in accordance with the Digital Millennium Copyright Act if properly notified that Content infringes copyright. If you believe that your work has been copied in a way that constitutes copyright infringement, please notify the Company's copyright agent in writing. Your notice must contain the following information (please confirm these requirements with your legal counsel, or see the U.S. Copyright Act, 17 U.S.C. §512(c)(3), for more information):

  • An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

  • A description of the copyrighted work that you claim has been infringed;

  • A description of where the material that you claim is infringing is located on the Site, sufficient for the Company to locate the material;

  • Your address, telephone number, and email address;

  • A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

  • A statement by you that the information in your notice is accurate and, under penalty of perjury, that you are the copyright owner or authorized to act on the copyright owner's behalf.


If you believe that your work has been removed or disabled by mistake or misidentification, please notify the Company’s copyright agent in writing. Your counter-notice must contain the following information (please confirm these requirements with your legal counsel or see the U.S. Copyright Act, 17 U.S.C. §512(g)(3), for more information):

  • A physical or electronic signature of the user of the Services;

  • Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;

  • A statement made under penalty of perjury that the subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material; and

  • The subscriber's name, address, telephone number, and a statement that the subscriber consents to the jurisdiction of the Federal District Court for the judicial district in which the address is located, or if the subscriber's address is outside of the United States, for any judicial district in which the service provider may be found, and that the user will accept service of process from the person who provided notification under subscriber (c)(1)(C) or an agent of such person.


Under the Act, any person who knowingly materially misrepresents that material is infringing or was removed or disabled by mistake or misidentification may be subject to liability.


If you fail to comply with these notice requirements, your notification or counter-notification may not be valid.


Disclaimer of Warranties and Limitations of Liability


Without limiting the preceding paragraph, the Company, and its directors, employees, agents, suppliers, partners, and content providers do not warrant that (i) the Service will be secure or available at any particular time or location; (ii) any defects or errors will be corrected; (iii) any content or software available at or through the Service is free of viruses or other harmful components; or (iv) the results of using the Service will meet your requirements. Your use of the Service is solely at your own risk. Some states or countries do not allow limitations on how long an implied warranty lasts, so the above limitations may not apply to you.


Electronic Communications Privacy Act Notice (18 USC §2701-2711): THE COMPANY MAKES NO GUARANTY OF CONFIDENTIALITY OR PRIVACY OF ANY COMMUNICATION OR INFORMATION TRANSMITTED ON THE SITE OR ANY WEBSITE LINKED TO THE SITE. The Company will not be liable for the privacy of email addresses, registration and identification information, disk space, communications, confidential or trade-secret information, or any other Content stored on the Company’s equipment, transmitted over networks accessed by the Site, or otherwise connected with your use of the Service.




The Foregoing Disclaimers And Limitations Of Liability Are Not Intended To

Limit The Liability Of Any Person Under The Federal Securities Laws.


You shall defend, indemnify, and hold harmless the Company, its affiliates, and each of its and its affiliates’ employees, contractors, directors, suppliers, and representatives from all liabilities, claims, and expenses, including reasonable attorneys' fees and other legal costs, that arise from or relate to your use or misuse of, or access to, the Service and Content, or otherwise from your submissions, violation of the Terms of Use, or infringement by you, or any third party using your account, of any intellectual property or other right of any person or entity. The Company reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with the Company in asserting any available defenses.


Your Disputes with Other Users

You will not include us in any dispute you have with another User.



You may not assign any part of your interest in this Agreement, or transfer your User account to another person.


The Company may assign, transfer, or delegate any of its rights and obligations hereunder without consent.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania and the United States, without giving effect to any principles of conflicts of law, and without application of the Uniform Computer Information Transaction Act or the United Nations Convention of Controls for International Sale of Goods. You agree that the Company and its Services are deemed a passive website that does not give rise to personal jurisdiction over the Company or its parents, subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers or shareholders, either specific or general, in any jurisdiction other than the Commonwealth of Pennsylvania.


Mandatory Arbitration

You agree that:

  • Any claim, dispute, or controversy arising out of, relating to, or connected in any way with the Site or our Services, Privacy Policy, or Terms of Use that you may have against the Company, other than Excluded Claims (as defined below), shall be resolved exclusively by arbitration, rather than through the court system.

  • Any claim we may have against you arising out of your activities with respect to the Site, other than Excluded Claims (as defined below), shall similarly be resolved exclusively by arbitration.

  • The arbitration shall be conducted in accordance with and pursuant to the arbitration procedures of FINRA, as long as all of the claims (other than Excluded Claims) are eligible to be arbitrated in accordance with such procedures. If some or all of the claims (other than Excluded Claims) are not eligible to be arbitrated in accordance with FINRA procedures, then the arbitration shall be conducted and administered by the American Arbitration Association ("AAA") and conducted before a single arbitrator pursuant to the applicable Rules and Procedures established by AAA ("Rules and Procedures") (available at

  • The arbitration shall be held in Pittsburgh, Pennsylvania, or at another location that you and we select by mutual agreement.

  • There shall be no authority for any claims to be arbitrated on a class or representative basis. The arbitrator is authorized to decide only your or our individual claims; and he or she shall not consolidate or join the claims of other persons or parties who may be similarly situated. We refer to this as the "Individual-Claims-Only Requirement.”


The term “Excluded Claims” means:

  • A claim where we allege that you have infringed upon our intellectual property or the intellectual property of any third party.

  • Claims arising from your investment in a specific opportunity.

  • Claims explicitly covered by another agreement, such as an Investment Agreement or a Limited Liability Company Agreement.

  • Claims between you and another User.

  • Any claim of any nature, if the Individual-Claims-Only Requirement is determined to be invalid.


Excluded Claims may be subject to arbitration if, and only if, a separate agreement so provides. Otherwise, Excluded Claims shall be adjudicated through the court system.


Survival of Terms

This Agreement shall continue to apply even if you are no longer a User.



If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced, provided that each party can obtain substantially all of the benefits contemplated initially. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our rights with respect to subsequent breaches.

Contact Information

If you have any questions about this Agreement, the Site, or the Services, please contact us at:

bottom of page