Introduction

These Terms of Service ("Terms," "Agreement") govern your access to and use of the website, mobile applications, and services (collectively, the "Services") provided by Huge Capital, LLC and its parents, subsidiaries, and affiliates ("Huge Capital," "we," "our," or "us").

By accessing or using our Services, you ("User," "you," or "your") agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

We reserve the right to modify these Terms at any time. Changes become effective immediately upon posting. Your continued use of the Services after modifications constitutes acceptance of the revised Terms.

1. Eligibility and Account Registration

1.1 Eligibility Requirements

To use our Services, you must:

• Be at least 18 years of age
• Have legal capacity to enter binding contracts
• Be authorized to act on behalf of any business you represent
• Not be prohibited from using our Services under applicable law
• Not reside in a jurisdiction where our Services are prohibited

1.2 Account Registration

You agree to:

• Provide accurate and current information
• Maintain and promptly update your details
• Protect your login credentials and account access
• Notify us immediately of unauthorized access
• Accept responsibility for all activities under your account

1.3 Business Representation

If you act on behalf of a business, you warrant that you have authority to bind it and that it is duly organized and in good standing.

2. Description of Services

2.1 Funding Facilitation and Lending Scope

Huge Capital provides business funding consultation, internal lending and syndication services, and facilitates connections between businesses and third-party lenders or funding partners.

2.2 No Guarantee of Approval or Terms

We do not guarantee:

• Approval or funding from any lender
• Specific loan amounts, interest rates, or terms
• Timing of approvals or disbursements

2.3 Service Modifications

We may modify, suspend, or discontinue Services or eligibility requirements at any time.

3. User Obligations and Prohibited Conduct

3.1 Accuracy of Information

You agree to provide truthful, complete, and up-to-date information and promptly update material changes.

3.2 Prohibited Activities

You may not:

• Provide false or misleading information
• Impersonate others
• Use Services for illegal or unauthorized purposes
• Interfere with system security
• Use automated bots or scrapers
• Reverse engineer any Service component
• Transmit malware or harmful code
• Violate any applicable laws or third-party rights

3.3 Compliance with Laws

You agree to comply with all federal, state, and local laws, including but not limited to: TILA, FCRA, ECOA, AML, KYC, and beneficial ownership regulations.

4. Credit Inquiries and Verification

We may conduct soft credit checks for prequalification; third-party lenders may conduct hard inquiries during underwriting. Your explicit consent will be obtained prior to any hard pull.

We may also verify your identity, business information, and banking data through third-party vendors for compliance, fraud prevention, and ongoing monitoring purposes.

5. Fees and Payment Terms

5.1 No Application Fees

Huge Capital does not charge fees for submitting an application or receiving pre-approval.

5.2 Third-Party Fees

Lenders may charge origination, processing, or administrative fees disclosed in their own agreements.

5.3 Referral and Broker Compensation

Huge Capital may receive commissions, referral fees, or syndication income from lenders or funding partners. These do not increase the borrower's cost.

5.4 Clawbacks and Reversals

All payments, commissions, or credits are contingent upon successful and irrevocable funding. Huge Capital reserves the right to reverse or offset any payments within ninety (90) days of the triggering event, including lender clawbacks, chargebacks, cancellations, or disputes.

6. Loan Terms and Third-Party Relationships

All loan or funding agreements are directly between you and the relevant lender or partner. Huge Capital is not responsible for lender decisions, collections, defaults, or credit reporting.

7. Intellectual Property Rights and Data Ownership

7.1 Ownership

All Service content (including software, algorithms, brand elements, and documentation) belongs to Huge Capital or its licensors.

7.2 License

You are granted a limited, non-exclusive, revocable license to use the Services for their intended business purpose.

7.3 Client and Lead Data

All client submissions, funding applications, and leads transmitted through the Services contain information that may be used by Huge Capital for business purposes as described in our Privacy Policy. Users may not share, resell, or use such data for purposes unrelated to the intended Services. Unauthorized use constitutes a material breach and may result in immediate termination of access and legal action.

7.4 Feedback

Feedback and suggestions become Huge Capital's property without obligation or compensation.

8. Privacy and Communications

8.1 Privacy

Your use of the Services is governed by our Privacy Policy, incorporated herein by reference.

8.2 Security

While we employ commercially reasonable safeguards, we cannot guarantee absolute data security.

8.3 TCPA and Communication Consent

By providing your contact information, you consent to receive communications from Huge Capital, including emails, texts, and calls (including autodialed or prerecorded messages) regarding your account or funding applications. Standard message and data rates may apply.

You may opt out of marketing communications by:

• Replying STOP to text messages
• Clicking unsubscribe in emails
• Contacting support at [email protected]

Please note that account-related and transactional communications may continue even after marketing opt-out.

9. Representations and Warranties

You represent and warrant that you:

• Are duly organized and in good standing
• Have legal authority to engage in the Services
• Will not use the Services for fraudulent or deceptive purposes
• To the best of your knowledge, are not subject to any pending bankruptcy proceedings or insolvency actions
• Will comply with all lender and regulatory requirements
• Are not subject to sanctions or restrictions under applicable law

10. Disclaimers and Limitations of Liability

10.1 No Fiduciary Relationship

Use of the Services does not create any fiduciary, advisory, or agency relationship between you and Huge Capital.

10.2 "As Is" Services

All Services are provided "as is" and "as available," without warranties of merchantability, fitness, accuracy, or uninterrupted operation.

10.3 Partner and Lender Conduct

Huge Capital shall not be responsible for representations, actions, or omissions of any independent brokers, referral partners, affiliates, or third-party lenders. However, Huge Capital will use commercially reasonable efforts to work only with reputable partners and lenders.

10.4 Limitation of Liability

To the maximum extent permitted by law, Huge Capital's total liability for any claim shall not exceed the greater of $100 or the total amount paid to us in the six months preceding the claim.

10.5 No Consequential Damages

We are not liable for indirect, special, incidental, or punitive damages, including lost profits or business interruptions.

11. Indemnification

You agree to indemnify, defend, and hold harmless Huge Capital, its officers, employees, agents, and affiliates from any claims or losses arising from:

• Your use of the Services
• Violations of these Terms or applicable law
• Misrepresentation or unauthorized actions
• Disputes with lenders or funding partners
• Any breach of your representations and warranties

12. Dispute Resolution

12.1 Informal Resolution

Parties will attempt good-faith informal resolution before arbitration.

12.2 Arbitration

Unresolved disputes shall be settled by binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall occur in Clark County, Nevada, or as otherwise agreed by the parties in writing.

12.3 Class Action Waiver

All proceedings must be individual; class, collective, or representative actions are waived.

12.4 Exceptions

Small claims, IP protection, and collection actions may proceed in court.

12.5 Survival

This arbitration clause and class waiver survive termination of these Terms.

13. Term and Termination

Either party may terminate Services or accounts at any time. Provisions regarding IP, confidentiality, indemnification, arbitration, and liability limitations survive termination.

Upon termination:

• Your right to access the Services immediately ceases
• We may delete your account data (subject to legal retention requirements)
• You remain responsible for any outstanding obligations

14. Miscellaneous

Entire Agreement: These Terms and our Privacy Policy constitute the full agreement between you and Huge Capital.

No Third-Party Rights: No other party shall have rights or claims under these Terms.

Assignment: You may not assign rights or obligations without written consent. Huge Capital may assign freely.

Force Majeure: We are not liable for delays caused by events beyond our control, including acts of God, natural disasters, terrorism, government actions, labor disputes, or internet service failures.

No Waiver: Our failure to enforce any term is not a waiver of future enforcement.

Severability: Invalid provisions do not affect remaining terms. If any provision is deemed unenforceable, it shall be modified to the minimum extent necessary to make it enforceable while preserving the parties' intent.

Electronic Communications: Electronic notices satisfy legal requirements. You consent to receive all agreements, notices, and disclosures electronically.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions, consistent with the governing law specified in Huge Capital's Privacy Policy.

For disputes not subject to arbitration, parties consent to exclusive jurisdiction and venue in the state and federal courts located in Clark County, Nevada.

16. Sanctions and Restricted Parties

You represent that you are not:

• Listed on any U.S. government list of prohibited or restricted parties
• Located in, or a resident of, any country subject to U.S. embargo
• Subject to sanctions administered by OFAC or similar authorities

Huge Capital reserves the right to terminate access immediately if you become subject to such restrictions.

17. Contact Information

For questions, concerns, or notices regarding these Terms of Service:

18. Accessibility

To request these Terms of Service in an alternative format, contact us using the information in Section 17.

19. Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS OF SERVICE.