Terms of Service

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Hometown Cap Group, operated by Hometowncap Inc ("Company," "we," "our," or "us"), concerning your access to and use of our website hometowncapgroup.com and related services.

By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Description of Services

Hometown Cap Group provides business capital consulting services, including but not limited to:

• Working capital consultation and advisory services
• Business growth strategy development
• Merchant services advisory
• Financial guidance and planning support

Our services are consultative in nature. We help connect businesses with appropriate funding options and provide guidance on financial strategies. We are not a direct lender and do not guarantee approval or funding amounts.

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to bind yourself or your business to these Terms
• Provide accurate and complete information when requested
• Use our services for lawful business purposes only

User Responsibilities

When using our website and services, you agree to:

• Provide accurate, current, and complete information about yourself and your business
• Maintain the confidentiality of any account information
• Notify us immediately of any unauthorized use of your information
• Use our services in compliance with all applicable laws and regulations
• Not misrepresent your identity, business, or financial situation
• Not use our services for any fraudulent, illegal, or harmful purposes
• Not interfere with or disrupt our website or services

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Hometown Cap Group or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, display, or create derivative works from any content on our website without our prior written consent.

Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that our services will meet your requirements or expectations
• Warranties that our website will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy or reliability of any information provided

We do not guarantee that you will receive funding or that any particular funding terms will be available. All funding decisions are made by third-party lenders or financial institutions.

Limitation of Liability

To the maximum extent permitted by applicable law, Hometown Cap Group and its officers, directors, employees, agents, and affiliates shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or business opportunities
• Any damages arising from your use of or inability to use our services
• Any damages resulting from unauthorized access to your information
• Any decisions made based on information provided through our services

Our total liability for any claims arising from your use of our services shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless Hometown Cap Group and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our website and services
• Your violation of these Terms
• Your violation of any rights of third parties
• Any content or information you provide to us

Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Hometown Cap Group. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party websites or services.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the updated Terms on this page and updating the "Last updated" date.

Your continued use of our website and services after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Termination

We may terminate or suspend your access to our website and services at any time, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, your right to use our services will immediately cease. All provisions of these Terms that should reasonably survive termination shall survive, including intellectual property provisions, disclaimers, and limitations of liability.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in Palm Beach County, Florida, in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Hometown Cap Group regarding your use of our website and services, and supersede all prior agreements and understandings.