TERMS OF USE

New Capital Financial is not a lender and does not originate loans, make credit decisions, approve financing, or guarantee loan offers.

We operate as a marketing and referral platform that helps connect consumers with participating lenders, lending marketplaces, and financial service providers who may offer financial products based on information you voluntarily provide.

Loan approvals, interest rates, fees, terms, funding decisions, and eligibility requirements are determined solely by participating providers. New Capital Financial does not control or influence these decisions.

By using this website, you represent and warrant that:

• You are at least 18 years of age.
• You are legally able to enter into binding agreements.
• The information you provide is accurate, current, and complete.
• You are using the website for lawful purposes only.

We reserve the right to refuse or terminate access to our website or services at our sole discretion.

You agree to use this website responsibly and in compliance with all applicable laws.

You agree not to:

• Provide false, inaccurate, or misleading information.
• Attempt to interfere with the operation or security of the website.
• Use automated systems to access or scrape website content.
• Engage in fraudulent, deceptive, or unlawful activities.
• Attempt unauthorized access to systems or data.

You are responsible for maintaining the confidentiality of any information you submit and for all activity associated with your use of the website.

By using our website and submitting your information, you consent to receive communications electronically as described in our Electronic Consent Disclosure.

Electronic communications may include:

• Loan-related notifications
• Required disclosures
• Privacy notices
• Account communications
• Service updates
• Marketing communications where permitted by law

Electronic communications satisfy any legal requirement that communications be provided in writing.

All content available on this website—including text, graphics, logos, icons, images, software, page layouts, trademarks, and other materials—is owned by New Capital Financial or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, copy, distribute, modify, publish, transmit, display, or create derivative works from any content without prior written permission from New Capital Financial.

Unauthorized use of website content may violate copyright, trademark, and other applicable laws.

Our website may contain links to third-party websites or connect you with participating lenders, service providers, or financial institutions.

New Capital Financial does not own, operate, or control these third-party websites or services and is not responsible for:

• Their products or services
• Privacy practices
• Website content
• Security measures
• Lending decisions

Your interactions with third parties are governed by their own terms, policies, and agreements.

The information provided on this website is for informational purposes only.

Nothing contained on this website should be interpreted as:

• Financial advice
• Legal advice
• Tax advice
• Investment advice
• Credit counseling

Consumers should carefully review all loan terms and consult qualified professionals before making financial decisions.

This website and all content, information, and services are provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, New Capital Financial disclaims all warranties, whether express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Accuracy
• Availability
• Reliability
• Non-infringement

We do not guarantee uninterrupted operation of the website or that errors will be corrected.

To the fullest extent permitted by law, New Capital Financial and its affiliates, officers, directors, employees, agents, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or relating to:

• Use of the website
• Inability to access the website
• Loan decisions made by participating providers
• Third-party services
• Errors or omissions in website content
• Delays or interruptions

Your sole remedy for dissatisfaction with the website is to discontinue use.

You agree to defend, indemnify, and hold harmless New Capital Financial, its affiliates, officers, directors, employees, contractors, and service providers from any claims, liabilities, damages, losses, expenses, or costs (including reasonable attorneys' fees) arising from:

• Your use of the website.
• Violation of these Terms.
• Violation of applicable law.
• Infringement of any third-party rights.
• Information you submit through the website.

Your use of this website is also governed by our:

• Privacy Policy
• California Privacy Notice
• Privacy Rights & Data Request Center
• Electronic Consent Disclosure
• Advertising Disclosure

These documents explain how we collect, use, disclose, and protect personal information.

By using our website, you acknowledge that you have reviewed these policies.

New Capital Financial reserves the right to modify or update these Terms of Use at any time.

Changes become effective immediately upon posting unless otherwise stated.

We encourage you to review these Terms periodically to stay informed of any updates.

Your continued use of the website after changes have been posted constitutes acceptance of the revised Terms.

These Terms of Use shall be governed by and interpreted in accordance with the laws of the State of California, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or your use of the website shall be resolved in the appropriate state or federal courts located within California, unless otherwise required by applicable law.

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

New Capital Financial

General Support
help@newcapitalfinancial.com

Privacy Requests
privacy@newcapitalfinancial.com

Customer Support
(888) 315-3319

Business Hours
Mon–Fri: 7AM–7PM PST
Sat: 9AM-2PM PST