Terms of Use

Effective Date: 2026-03-01

Welcome to the website of Root & Crest Capital. By accessing or using this website, you agree to comply with and be bound by the following Terms of Use. If you do not agree with these terms, please do not use this website.

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1. Informational Purpose Only

All information provided on this website is for general informational purposes only. Nothing on this website constitutes financial, legal, tax, accounting, or investment advice. You should consult licensed professionals before making any financial or investment decisions.

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2. No Guarantee of Financing or Funding

Submission of any form, request for consultation, or communication with Root & Crest Capital does not guarantee approval for financing, funding, or specific loan terms.

All financing and funding opportunities are subject to:

• Underwriting review

• Verification of information

• Credit and financial analysis

• Collateral evaluation

• Lender and investor approval

• Applicable federal and state regulations

Pre-qualification assessments are preliminary and non-binding. They are not commitments to lend or fund.

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3. Not a Bank / Third-Party Relationships

Root & Crest Capital may act as a direct lender, capital partner, or facilitator connecting applicants with third-party lending institutions, private investors, or funding sources.

We do not guarantee that third-party lenders or investors will approve or fund any transaction.

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4. Government Contract Funding Disclaimer

Government contract funding is contingent upon:

• Award of a valid government contract

• Agency approval processes

• Compliance with applicable regulations

• Performance and execution requirements

Government agencies may delay, modify, or cancel contracts. Root & Crest Capital is not responsible for agency decisions or contract outcomes.

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5. User Representations

By using this website, you represent that:

• All information submitted is truthful and accurate

• You are at least 18 years of age

• You are legally authorized to enter into financial agreements

Providing false or misleading information may result in denial of services.

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6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, branding, designs, and materials, is the property of Root & Crest Capital and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, or exploit any content without prior written consent.

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7. Limitation of Liability

To the fullest extent permitted by law, Root & Crest Capital shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use of this website

• Reliance on website content

• Financing or investment decisions

• Third-party lender actions

• Government agency decisions

All users assume full responsibility for their financial decisions.

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8. Assumption of Risk

Real estate investing, commercial financing, creative financing structures, and government contract funding involve substantial risk. Market conditions may change. Borrowers and investors may incur financial losses, including loss of capital.

You acknowledge and accept these risks.

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9. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect and use personal information.

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10. Modifications to Terms

Root & Crest Capital reserves the right to modify these Terms of Use at any time without prior notice. Continued use of the website constitutes acceptance of any revised terms.

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11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.

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12. Contact Information

If you have questions regarding these Terms of Use, please contact:

Root & Crest Capital
[Insert Email Address]
[Insert Business Address, if applicable]

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Privacy Policy

Effective Date: 2026-03-01

Root & Crest Capital is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit information through our forms.

By using this website, you consent to the practices described in this Policy.

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1. Information We Collect

We may collect the following categories of information:

Personal Information

• First and last name

• Email address

• Phone number

• State of residence

• Investment and financing details

• Business information

• Property information

• Any information voluntarily submitted through forms or consultations

Technical Information

• IP address

• Browser type

• Device information

• Website usage data

• Cookies and tracking technologies

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2. How We Use Your Information

Root & Crest Capital may use your information to:

• Evaluate pre-qualification requests

• Contact you regarding financing opportunities

• Connect you with lending partners or investors

• Provide information about hard money, commercial, creative, or government contract funding

• Improve website functionality and user experience

• Comply with legal and regulatory requirements

We do not sell your personal information.

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3. Sharing of Information

We may share your information with:

• Lending partners

• Private investors

• Underwriting partners

• Financial institutions

• Service providers assisting in processing applications

• Legal or regulatory authorities when required by law

All third parties are expected to maintain confidentiality and use the information solely for financing-related purposes.

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4. SMS & Communication Consent

By submitting your contact information through this website, you consent to receive communications from Root & Crest Capital, including:

• Phone calls

• Emails

• Text messages (SMS)

These communications may include updates regarding your inquiry, financing options, and related services.

Message and data rates may apply. You may opt out of SMS communications at any time by replying “STOP.” You may unsubscribe from emails by using the unsubscribe link provided.

We do not share mobile opt-in information with third parties for marketing purposes.

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5. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security.

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6. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to:

• Enhance user experience

• Analyze website traffic

• Improve marketing effectiveness

You may disable cookies through your browser settings, though some features of the website may not function properly.

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7. Third-Party Links

This website may contain links to third-party websites. Root & Crest Capital is not responsible for the privacy practices or content of external sites.

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8. Data Retention

We retain personal information for as long as necessary to:

• Fulfill the purposes outlined in this Policy

• Comply with legal and regulatory obligations

• Resolve disputes

• Enforce agreements

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9. Your Rights

Depending on your state of residence, you may have rights regarding your personal information, including:

• The right to request access to your information

• The right to request correction of inaccurate information

• The right to request deletion of certain information

To exercise your rights, contact us using the information below.

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10. Children’s Privacy

This website is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

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11. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time. Updates will be posted on this page with a revised Effective Date.

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12. Contact Information

If you have questions about this Privacy Policy or how your information is handled, please contact:

Root & Crest Capital
info@rootandcrestcapital.com