Terms of Service

Introduction

Welcome to Micro Capital Group. These Terms of Service ("Terms") govern your use of our website, platform, and financial services. By accessing our platform or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

These Terms constitute a legally binding agreement between you ("User," "Client," or "you") and Micro Capital Group ("Company," "we," "us," or "our"). If you do not agree to these Terms, please do not use our services.

Eligibility Requirements

To use our services, you must meet the following eligibility criteria:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Be legally authorized to represent and bind your business entity
• Have the legal capacity to enter into binding contracts
• Operate a legitimate business registered in the United States
• Provide accurate and complete information during registration and application processes
• Comply with all applicable federal, state, and local laws and regulations

We reserve the right to verify your eligibility at any time and may request additional documentation to confirm your identity and business legitimacy.

Services Overview

Micro Capital Group operates as a financial intermediary and business consultant, not a direct lender. Our services include:

Funding Facilitation

• Connecting businesses with appropriate funding sources
• Application processing and submission to partner lenders
• Funding program matching based on business profile
• Ongoing support throughout the funding process

Credit Solutions

• Business credit analysis and improvement strategies
• Credit repair services and dispute resolution
• Tradeline access and vendor account establishment
• Credit monitoring and ongoing optimization

Business Consultation

• Business structure and compliance guidance
• Financial planning and funding preparation
• Strategic growth planning and implementation
• Ongoing business advisory services

Important Note: All funding approvals are contingent on partner lender underwriting and approval processes. We cannot guarantee funding approval, specific terms, or outcomes.

User Responsibilities

As a user of our services, you agree to:

Information Accuracy

• Provide accurate, complete, and current information in all applications and communications
• Update information promptly when changes occur
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized access to your account

Prohibited Activities

• Misrepresent your business, financial condition, or identity
• Attempt to circumvent our security measures or gain unauthorized access
• Use our services for illegal activities or fraudulent purposes
• Interfere with the proper functioning of our platform or services
• Reverse engineer, copy, or distribute our proprietary materials

Legal Compliance

You must comply with all applicable laws, regulations, and industry standards, including but not limited to anti-money laundering (AML) requirements, Know Your Customer (KYC) regulations, and consumer protection laws.

Intellectual Property Rights

All content, materials, and intellectual property on our platform are the exclusive property of Micro Capital Group or our licensors, including:

• Website design, layout, and user interface elements
• Logos, trademarks, service marks, and brand names
• Text content, graphics, images, and multimedia materials
• Software, applications, and proprietary algorithms
• Business processes, methodologies, and trade secrets

Prohibited: You may not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any of our intellectual property without express written permission.

Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use our platform solely for its intended business purposes.

Third-Party Services & Integration

Our platform integrates with various third-party services to provide comprehensive financial solutions:

Partner Lenders

We work with a network of licensed lenders, financial institutions, and alternative funding providers. Each partner has their own terms, conditions, and approval criteria.

Credit Bureaus & Reporting Agencies

We may access credit reports and business information through authorized credit reporting agencies to evaluate your applications and provide credit improvement services.

Analytics & Technology Partners

Our platform may utilize third-party analytics tools, security services, and technology solutions to enhance user experience and maintain platform security.

Disclaimer: We are not responsible for the actions, policies, or practices of third-party service providers. Your interactions with third parties are governed by their respective terms and conditions.

Disclaimers & Important Notices

Funding Approval Disclaimer

Important: Funding offers and approvals are subject to partner lender underwriting and may vary by provider. We do not guarantee funding approval, specific loan terms, interest rates, or funding amounts.

No Guarantee of Outcomes

We do not guarantee specific outcomes, results, or improvements to your business financial situation. Success depends on various factors including market conditions, business performance, and economic factors beyond our control.

Market Risk Disclosure

Business funding and financial services involve inherent risks. Market conditions, regulatory changes, and economic factors may affect funding availability, terms, and your business's ability to repay obligations.

Service Availability

Our services are provided "as is" and "as available." We do not warrant uninterrupted service availability and reserve the right to modify, suspend, or discontinue services with reasonable notice.

Limitation of Liability

To the maximum extent permitted by law, Micro Capital Group's liability is limited as follows:

Excluded Damages

We shall not be liable for indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Lost profits, revenue, or business opportunities
• Business interruption or operational delays
• Data loss or corruption
• Reputational damage or goodwill loss
• Third-party claims or damages

Liability Cap

Our total aggregate liability for any claims arising from or related to our services shall not exceed the total amount of fees paid by you to Micro Capital Group in the twelve (12) months preceding the claim.

Force Majeure

We are not liable for delays or failures in performance resulting from circumstances beyond our reasonable control, including natural disasters, government actions, cyber attacks, or other force majeure events.

Indemnification

You agree to indemnify, defend, and hold harmless Micro Capital Group, its officers, directors, employees, agents, and partners from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorney's fees) arising from or related to:

• Your use or misuse of our services
• Your violation of these Terms or applicable laws
• Inaccurate or false information provided by you
• Your business operations and financial obligations
• Third-party claims related to your use of funding or services
• Breach of confidentiality or intellectual property rights

This indemnification obligation survives termination of these Terms and your use of our services.

Termination

Termination by Company

Micro Capital Group may suspend or terminate your access to our services at our sole discretion, with or without notice, for any reason including:

• Violation of these Terms or applicable laws
• Fraudulent or deceptive activities
• Non-payment of fees or services
• Risk management or compliance concerns
• Discontinued business operations

Termination by User

You may terminate your relationship with us at any time by providing written notice. However, you remain responsible for all obligations incurred prior to termination.

Effect of Termination

Upon termination, your right to access and use our services immediately ceases. Provisions regarding intellectual property, indemnification, limitation of liability, and governing law survive termination.

Governing Law & Dispute Resolution

Applicable Law

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. All disputes shall be resolved under Florida state law and applicable federal regulations.

Dispute Resolution Process

Any disputes, claims, or controversies arising from or relating to these Terms or our services shall be resolved through the following process:

• Step 1: Direct negotiation between parties for 30 days
• Step 2: Mediation through a mutually agreed mediator
• Step 3: Binding arbitration under American Arbitration Association rules

Arbitration Agreement

If mediation fails, disputes shall be resolved through binding arbitration conducted in Florida. The arbitration shall be conducted by a single arbitrator, and the decision shall be final and enforceable in any court of competent jurisdiction.

Class Action Waiver

You agree that disputes will be resolved on an individual basis only and waive any right to participate in class action lawsuits or class-wide arbitration.

Legal Contact Information

For questions, concerns, or legal matters related to these Terms of Service, please contact our legal department:

Important: These Terms of Service are effective as of November 1, 2024. We reserve the right to update these Terms at any time. Material changes will be communicated with 30 days advance notice.