Legal

Terms of Use

Keystone Capital Group NA LLC

These Terms of Use govern the use of the Keystone Capital Group NA LLC website and any other site directing thereto. BY ACCESSING THE SITE, YOU AGREE TO ABIDE BY THESE TERMS. ACCESS OR USE OF A SITE FOLLOWING ANY CHANGE TO THE TERMS OF USE CONSTITUTES YOUR AGREEMENT TO THOSE CHANGES. IF AT ANY TIME YOU CHOOSE NOT TO ACCEPT THE TERMS OF USE THAT ARE IN EFFECT AT SUCH TIME, YOU SHOULD NOT ACCESS OR USE THE SITE.

These Terms govern your current visit to a Site, and any future visit. We may modify these Terms at any time without notice to you, and such modification shall be effective immediately upon posting on a Site. You should review the terms on this page each time that you visit a Site.

1

Authorized User; Your Responsibility; Use of our Site or any Portal.

You affirm that you are over the age of 18. You may not access or use any Site if you are unable to form a binding, legal agreement with Keystone Capital Group NA LLC Group LLC. You assume all responsibility for your use of, or access to, the Site, including your access to any Site Content or User Content, and hereby waive all claims or causes of action against Keystone Capital Group NA LLC, its affiliates, its licensors and their respective officers, directors, employees, agents and representatives in connection therewith.

In connection with use of the portal, prospective users may be required to (i) complete and submit an online working capital Pre-Qualification application form; and (ii) complete a full contract submission process. Once approved, a successful applicant may be able to (1) review and select working capital options; (2) review account statements, view and change account settings, review/ascertain renewal/refinance eligibility, read business tips, testimonials, and case studies, read related business/working capital definitions, read industry insights and whitepapers, engage in live chat and push to talk. All Portal or Site User information shall be governed by our Privacy Policy.

2

Ownership.

All content on the Site, including but not limited to designs, articles, functions, text, graphics, photographs, images, video, information, materials, software, music, sound and other files, and their selection and arrangement and other content solely provided by or on behalf of Keystone Capital Group NA LLC on any Site is the sole property of Keystone Capital Group NA LLC. The Site and all of the Site Content, and the selection and arrangement thereof, are protected under the copyright laws and other intellectual property laws of the United States and other countries.

Keystone Capital Group NA LLC reserves all rights in and to the Site and the Site Content, which rights are not expressly granted herein. Unless otherwise noted, the Keystone Capital Group NA LLC name and all other trademarks, service marks, trade names, logos or other designations of source displayed on the Site are the property of Keystone Capital Group NA LLC, its affiliates, or licensors. Nothing on any Site shall be construed as granting any license or right not expressly set forth herein. Any unauthorized use of a Site or any of the Site Content will terminate the permission or license granted herein and may violate applicable law.

3

Use of the Site.

Keystone Capital Group NA LLC reserves the right, in its sole discretion, to restrict, in whole or in part, your use of the Site, any Site Content, any Portal, and any third-party user content at any time with or without notice for any or no reason.

4

Third-party Content.

Keystone Capital Group NA LLC may from time to time (a) link to other sites that we feel may be useful to you, and (b) post content to our Site that is supplied by third parties. Third-party Content is not under the control of Keystone Capital Group NA LLC. Keystone Capital Group NA LLC makes no claim or representation regarding and accepts no responsibility for the quality, content, nature, or reliability of Third-party Content, any services accessible by hyperlink from our Site, or any review, changes, or updates to a third-party website.

Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties are those of the respective authors or distributors and not of Keystone Capital Group NA LLC. When leaving our Site, you should be aware that these Terms no longer govern, and you should review the applicable terms and policies, including privacy and data-gathering practices, of any third-party sites.

5

Proprietary Rights in Site Content; Limited License.

All content on the Site is the proprietary property of Keystone Capital Group NA LLC with all rights reserved. No Site Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without Keystone Capital Group NA LLC prior written permission.

Provided that you are eligible for use of the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Site Content solely for your personal use, provided that you keep all copyright or other proprietary notices intact. You may not republish Site Content on any Internet, Intranet, or Extranet site or incorporate the information in any other database or compilation. Such license does not include use of any data mining, robots, or similar data gathering or extraction methods. This license is revocable by us at any time without notice and with or without cause.

6

Trademarks.

Keystone Capital Group NA LLC graphics, logos, designs, page headers, button icons, scripts, and service names are registered trademarks, trademarks, or trade dress of Keystone Capital Group NA LLC in the U.S. and/or other countries. Keystone Capital Group NA LLC trademarks and trade dress may not be used in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Keystone Capital Group NA LLC.

7

User Content.

Certain areas of the Site may permit you to submit, post, upload, or otherwise make available content such as profile information, comments, questions, and other content or information. You retain all rights in, and are solely responsible for, the User Content you make available through the Site.

By making any User Content available through the Site you hereby grant to Keystone Capital Group NA LLC a non-exclusive, transferable, sublicensable, worldwide, royalty-free license to use, copy, modify, create derivative works based upon, distribute, publicly display, publicly perform and distribute your User Content in connection with operating and providing the Site and Content to you and to other users.

You acknowledge and agree that you are solely responsible for all User Content that you make available through the Site. You represent and warrant that: (i) you either are the sole and exclusive owner of all User Content or you have all rights, licenses, consents and releases necessary to grant Keystone Capital Group NA LLC the rights contemplated under these Terms; and (ii) neither the User Content nor your posting, uploading, publication, submission or transmittal of the User Content will infringe, misappropriate or violate a third party patent, copyright, trademark, trade secret, moral rights or other proprietary or intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.

8

Prohibited Conduct.

You agree not to engage in any of the following prohibited activities: (i) copying, distributing, or disclosing any part of the Site in any medium, including without limitation by any automated or non-automated scraping; (ii) using any automated system to access the Site in a manner that sends more request messages to the Keystone Capital Group NA LLC servers than a human can reasonably produce in the same period of time; (iii) transmitting spam, chain letters, or other unsolicited email; (iv) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Site; (v) uploading invalid data, viruses, worms, or other software agents through the Site; (vi) collecting or harvesting any personally identifiable information from the Site; (vii) using the Site for any commercial solicitation purposes; (viii) impersonating another person or otherwise misrepresenting your affiliation with a person or entity; (ix) interfering with the proper working of the Site; or (x) bypassing the measures we may use to prevent or restrict access to the Site.

9

No Warranties.

THE SITE IS PROVIDED AS IS, WITHOUT WARRANTY OF ANY KIND. WITHOUT LIMITING THE FOREGOING, KEYSTONE CAPITAL GROUP NA LLC EXPLICITLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT OR NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. KEYSTONE CAPITAL GROUP NA LLC MAKES NO WARRANTY THAT THE SITE WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS. KEYSTONE CAPITAL GROUP NA LLC MAKES NO WARRANTY REGARDING THE QUALITY, ACCURACY, TIMELINESS, TRUTHFULNESS, COMPLETENESS OR RELIABILITY OF ANY CONTENT.

10

Indemnity.

You will indemnify and hold harmless Keystone Capital Group NA LLC and its officers, directors, employees and agents, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including without limitation reasonable legal and accounting fees arising out of or in any way connected with (i) your access to or use of the Site or Content, (ii) your User Content, or (iii) your violation of these Terms.

11

Limitation of Liability.

NEITHER KEYSTONE CAPITAL GROUP NA LLC NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SITE OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR ANY OTHER LEGAL THEORY.

IN NO EVENT WILL KEYSTONE CAPITAL GROUP NA LLC TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SITE OR CONTENT EXCEED THE AMOUNTS YOU HAVE PAID TO KEYSTONE CAPITAL GROUP NA LLC FOR USE OF THE SITE OR CONTENT OR ONE HUNDRED DOLLARS ($100), IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO KEYSTONE CAPITAL GROUP NA LLC.

12

Governing Law.

These Terms shall be governed by and construed in accordance with the laws of the State of Pennsylvania, without giving effect to any choice or conflict of law provision or rule. Any legal suit, action or proceeding arising out of or related to these Terms or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Pennsylvania, and you waive any objection to the laying of venue of any such suit, action or proceeding in such courts.

13

Termination.

We may terminate your access to and use of the Site, at our sole discretion, at any time and without notice to you. Upon any termination, discontinuation or cancellation of the Site or your account, all provisions of these Terms which by their nature should survive will survive, including without limitation ownership provisions, warranty disclaimers, indemnity and limitations of liability.

14

General Terms.

These Terms constitute the entire and exclusive understanding and agreement between Keystone Capital Group NA LLC and you regarding the Site and Content, and these Terms supersede and replace any and all prior oral or written understandings or agreements between Keystone Capital Group NA LLC and you regarding the Site and Content. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.

You may not assign or transfer these Terms, by operation of law or otherwise, without Keystone Capital Group NA LLC prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null. Keystone Capital Group NA LLC may freely assign or transfer these Terms without restriction.

Any notices or other communications provided by Keystone Capital Group NA LLC under these Terms will be given by posting to the Site. The failure of Keystone Capital Group NA LLC to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Keystone Capital Group NA LLC.

15

Contact Information.

If you have any questions or concerns about these Terms or about trademark or copyright matter, or if you wish to inquire about linking to our Site, please contact us at compliance@keystonecg.us

16

Nature of Services.

Keystone Capital Group NA LLC acts as a finance broker, not a direct lender for all products. We connect business applicants with third-party lenders and financing providers. Submission of an application does not guarantee approval or funding. Rates, terms, and funding amounts are determined by individual lenders and may vary based on creditworthiness, revenue, and business performance.

17

Consent to Contact.

By submitting an application, you authorize Keystone Capital Group NA LLC and its lending partners to contact you via phone, email, and/or SMS regarding your application and related financing offers. Standard message and data rates may apply. You may opt out of SMS communications at any time by replying STOP.

18

No Guarantee of Funding.

All applications are subject to underwriting review by third-party lenders. Stated rates, terms, and amounts represent the best available and are not guaranteed to all applicants. Keystone Capital Group NA LLC makes no representations or warranties that any applicant will qualify for or receive funding.

Keystone Capital Group

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Keystone Capital Group NA LLC is not a bank. Merchant cash advances are not loans. Approval and funding amounts are subject to underwriting review. Factor rates and terms vary based on business performance and eligibility. This is not an offer of credit.

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