INVESTOR CAPITAL 763-314-3278

Terms of Service

Effective: November 8, 2026

Important. Please read this agreement carefully before accessing or using the website of Investor Capital, LLC, together with its affiliates ("Company"), located at InvestorCapital.com, or its voice and mobile communications, or before participating in any online features, services or programs offered by the Company related to responding to loan inquiries and requests for real estate investor financing (collectively, the "Service"). Each time you access or use the Service, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to be bound by all of these Terms, you may not access or use the Service.

Certain areas of the Service may be subject to additional terms that will be made available for your review when you access those areas. If additional terms conflict with these Terms, the additional terms control for that area.

Loan Information and Disclosures

The Service provides general information about the commercial and investor real estate loan products offered by Investor Capital, LLC. Nothing on the Service is an offer, commitment to lend, or guarantee of approval or of any rate, fee or term. All loans are subject to application, underwriting, property valuation, title and closing requirements, and final approval by the Company. Rates, fees, loan-to-value and loan-to-cost limits, terms, programs and closing timelines shown on the Service are examples or targets only and are subject to change without notice. Not all applicants will qualify, and programs may not be available in all states.

Our loans are made for business and investment purposes only. They are not for personal, family or household use, and you may not use the Service to apply for a consumer loan. Investor Capital, LLC is licensed as a Residential Mortgage Originator by the Minnesota Department of Commerce, NMLS ID 2530357. See our Licensing Information. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. Equal Housing Opportunity.

User Obligations

You agree to abide by all applicable local, state, national and international laws and regulations pertaining to accessing and using the Service. You also acknowledge and agree that your use of the Internet to access the Service is solely at your own risk. Information you submit to us must be true, accurate and complete, and you must have the authority to submit it.

Email and Text Communications

Consent to Communications. By submitting a request, inquiry or other information through the Service, you consent to be contacted by the Company, its affiliates and related entities, and third parties acting on the Company's behalf, for any purpose, including marketing, at the email address or telephone number you provide. The methods of communication may include, but are not limited to, pre-recorded or artificial voice message calls, text messages (SMS and MMS), calls made by an automated telephone dialing system, automated voicemail drops, emails and push notifications. Such communications may also be used to authenticate your identity or mobile device. Consent to receive such communications is not a condition of obtaining any product or service from the Company. You agree that your submission of a request, inquiry or information acts as your electronic signature for this consent. In providing a telephone number, you represent that you have the authority to agree to receive communications at that number, and you acknowledge that message and data rates from your network provider may apply.

Email Communications. From time to time we may send you email newsletters and marketing emails. You may opt out at any time by selecting the "unsubscribe" link at the bottom of each email. Opting out may affect other services you have requested for which email is a requirement. Even if you opt out of marketing, we may still need to contact you with important information about your request or account.

Opt-Out. You may opt out of SMS and text messaging by replying "STOP" to any text sent by the Company. You may also opt out of marketing communications by other reasonable means, including emailing us, providing written notice, or calling us using the contact information below. You may opt out of phone calls by telling us so when you receive a call. We will make commercially reasonable efforts to process your opt-out request in a timely manner. Even after you opt out of marketing, we may still send transactional or service-related messages necessary to provide the services you requested.

AI-Assisted Communications. We may use artificial intelligence ("AI") technologies, such as AI-powered agents, to assist in communications with you, including by phone call, text message, email or other channels. These systems are designed to enhance efficiency and improve your experience. By engaging with the Service, you acknowledge and consent to the use of AI in these communications. Such AI-assisted communications and services may be provided on the Company's behalf by contracted service providers.

Availability, Errors and Inaccuracies

The Company is constantly updating information on the Service, and there may be delays between a change in our offerings and an update to the Service. The Service may contain errors, inaccuracies or outdated information. The Company does not guarantee the accuracy or completeness of any information found on the Service and reserves the right to correct errors, inaccuracies or omissions and to update information at any time without prior notice.

Content You Submit

The Service may allow you to submit or share certain information, text or other material ("Content"), such as through forms, messages or feedback. You are responsible for the Content you submit, including its legality, reliability and appropriateness. You must not submit Content that is unlawful, defamatory, harassing, threatening, hateful, obscene or otherwise objectionable; that infringes or violates the rights of any person, including copyright, trademark, privacy and publicity rights; that contains malware or interferes with the operation of the Service; that impersonates another person or misrepresents your affiliation with any entity; that constitutes spam or unauthorized advertising; or that encourages criminal conduct or would otherwise violate any law or regulation.

By submitting Content, you represent and warrant that the Content is yours or you have the right to submit it, and that doing so does not violate the rights of any person or entity. You retain your rights in Content you submit, but you grant the Company the right and license to use, modify, reproduce and distribute that Content as needed to provide and improve the Service and respond to your requests. The Company may, but is not obligated to, monitor, edit or remove any Content in its sole discretion, with or without notice. Content on the Service that is not user-submitted is the property of the Company or used with permission, and you may not distribute, modify, transmit, reuse, download, repost, copy or use it for commercial purposes or personal gain without our express advance written permission.

Intellectual Property

The Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of the Company and its licensors. The Service is protected by copyright, trademark and other laws of the United States and foreign countries. The Company's trademarks and trade dress may not be used in connection with any product or service without the Company's prior written consent. The Service and its original content may not be reproduced, transmitted or distributed without prior written consent.

The Company respects the intellectual property rights of others. It is our policy to respond to claims that Content on the Service infringes the copyright or other intellectual property rights of any person or entity. If you are a copyright owner, or authorized on behalf of one, and believe a copyrighted work has been copied in a way that constitutes infringement, please follow the procedure described in our DMCA Notice and below. You may be held accountable for damages (including costs and attorneys' fees) for misrepresentation or bad faith claims of infringement.

DMCA Notice and Procedure for Copyright Infringement Claims

You may submit notification of a claim of copyright infringement under the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C. 512(c)(3) for further detail):

You can contact our Copyright Agent by email at Info@investorcapital.com with the subject line "Copyright Infringement," or by mail to Investor Capital, LLC, 5612 International Parkway, New Hope, Minnesota 55428.

Disclaimer: Links to Third-Party Web Sites

Some links on the Service direct you to a third-party website ("Linked Site"). The Company may provide such links as a convenience. The Company does not control any Linked Site or its contents and is not responsible for the legality, accuracy or appropriateness of any content, advertising, products, services or other materials on or available from a Linked Site. You agree that the Company is not responsible or liable, directly or indirectly, for any damage or loss caused or allegedly caused by or in connection with the use of any content, goods or services available through a Linked Site. We strongly advise you to read the terms and privacy policies of any third-party site you access.

Termination

The Company may terminate or suspend your access to the Service immediately, without prior notice or liability, in its sole discretion, for any reason, including a breach of these Terms. If you wish to stop using the Service or withdraw a request, you may email us at Info@investorcapital.com. All provisions of the Terms which by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Indemnification

You agree to defend, indemnify and hold harmless the Company and its affiliates, subsidiaries, licensees and licensors, and their respective employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including attorneys' fees) resulting from or arising out of (a) your use of and access to the Service; (b) a breach of these Terms; or (c) Content you submit through the Service.

Limitation of Liability

THE COMPANY, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES AND ASSIGNS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY OR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER REASON ARISING OUT OF OR IN ANY WAY RELATED TO (1) THE USE OF OR INABILITY TO USE THE SERVICE; (2) ANY CONTENT CONTAINED ON THE SERVICE; (3) ANY PRODUCT OR SERVICE OBTAINED THROUGH THE SERVICE; (4) ANY ACTION OR INACTION TAKEN IN RESPONSE TO OR RESULTING FROM ANY INFORMATION AVAILABLE ON THE SERVICE, INCLUDING ANY RATE, TERM OR PROGRAM DESCRIBED ON THE SERVICE, AND ANY DAMAGE CAUSED BY LOSS OF ACCESS; OR (5) ANY OTHER MATTER ARISING FROM OR RELATING TO THE USE OF, OR INABILITY TO USE OR ACCESS, THE SERVICE AND ITS CONTENT.

UNDER NO CIRCUMSTANCES SHALL THE TOTAL LIABILITY OF THE COMPANY OR ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES OR ASSIGNS TO YOU FOR ANY AND ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU FOR USING THE SERVICE OR ITS CONTENT. This limitation applies to your use of the website and does not limit the terms of any loan agreement between you and the Company.

Disclaimer

THE SERVICE AND ANY CONTENT, TOOLS, PRODUCTS OR SERVICES DISPLAYED, ACCESSED OR OBTAINED ON OR THROUGH THE SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THE SERVICE, THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR MADE AVAILABLE THROUGH THE SERVICE, THE SERVERS, OR ANY EMAILS SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY SHALL NOT BE LIABLE FOR DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SERVICE OR FROM ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE SERVICE, INCLUDING DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES. Nothing on the Service is legal, tax, accounting or investment advice.

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

Force Majeure

The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, fire, flood, earthquake, accidents, strikes, war, terrorism, governmental acts, failure of common carriers (including Internet service providers and website hosting providers), and shortages of transportation facilities, fuel, energy, labor or materials.

Governing Law and Jurisdiction

By accessing or using the Service, you agree that these Terms are governed by and construed in accordance with the laws of the state of Minnesota, exclusive of its choice of law rules. You and the Company agree to submit to the exclusive jurisdiction of the state courts of Minnesota or, if federal jurisdiction exists, the United States District Court for the District of Minnesota, and waive any jurisdictional, venue or inconvenient forum objections to such courts (without affecting either party's right to remove a case to federal court if permissible), as well as any right to a jury trial. The Convention on Contracts for the International Sale of Goods does not apply. Any law or regulation that provides that the language of a contract is construed against the drafter does not apply to these Terms. This section will be interpreted as broadly as applicable law permits.

Class Action Waiver

Any claim or proceeding between you and the Company shall be conducted on an individual basis and not in any class action, mass action, or consolidated or representative proceeding. Any claim that all or part of this Class Action Waiver is unenforceable, unconscionable, void or voidable may be determined only by a court of competent jurisdiction.

State Specific Notes

California. Under California Civil Code Section 1789.3, California website users are entitled to know that they may file grievances and complaints in writing with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, by telephone at (916) 445-1254 or 1-800-952-5210, or by email at dca@dca.ca.gov.

New Jersey. Any disclaimer, limitation of liability, indemnification or damages provision in these Terms applies to New Jersey residents and New Jersey transactions only to the extent permitted by New Jersey law or public policy.

Severability

If any part of these Terms is deemed unlawful, void or unenforceable, that provision is severable and does not affect the validity or enforceability of the remaining provisions.

Entire Agreement

These Terms, together with the Company's Privacy Policy and any other terms or agreements posted on the Service as amended from time to time ("Website Agreements"), contain the entire agreement between you and the Company relating to the Service and supersede all previous agreements, arrangements, undertakings or proposals, written or oral, regarding such matters. Any loan is governed solely by the written loan documents signed by the parties. To understand our privacy practices, please review our Privacy Policy, which governs your visits to the Service and is incorporated into these Terms by reference.

Updates

The Company may modify these Terms at any time. When we make changes, we will post the revised Terms on this page and update the effective date. If you disagree with the changes, you must discontinue your use of the Service. Your continued access or use of the Service following such changes constitutes acceptance of the modified Terms, and it is your responsibility to be aware of any modifications. The Company may modify or discontinue the Service with or without notice and will not be liable to you or any third party for doing so.

How to Contact Us

If you have questions or comments about these Terms, need to report a problem with the Service, or would like to exercise one of your rights under these Terms, please contact the Company at:

Investor Capital, LLC
5612 International Parkway
New Hope, Minnesota 55428
Phone: 763-314-3278
Contact Email: Info@investorcapital.com

Please include your name, contact information and the nature of your request so we can respond promptly. Please allow thirty (30) calendar days for a response to any inquiry.

Last updated on 11/8/2026.

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