TERMS OF USE AGREEMENT Last Revised: December 11, 2024

IMPORTANT NOTICE: AS DETAILED IN THE ARBITRATION; JURY TRIAL WAIVER; CLASS ACTION WAIVER PROVISIONS BELOW, THIS AGREEMENT CONTAINS A WAIVER OF CLASS ACTION RIGHTS AND A WAIVER OF THE RIGHT TO A JURY TRIAL, AND MAY REQUIRE YOU TO ARBITRATE CERTAIN DISPUTES.

This website (including all sub-sites) is operated by Lightening Consulting Inc. (d/b/a Joseph Capital Network) (collectively, “Joseph Capital Network,” “we,” or “us”).

By accessing a Joseph Capital Network website, mobile application, interface, or platform (collectively, “Site” or “Sites”) that links to this Terms of Use Agreement (the “Terms of Use” or “Agreement”), you agree to abide by this Agreement and by our Privacy Policy (which is hereby incorporated by reference), regardless of the device used (e.g., personal computer, mobile device, or any other technology or software) for access.

These Terms of Use govern your access to, and use of, the Sites and any of the tools, features, functionality, services, or products offered on or through the Sites, including your access to information and data; your use of any web portal, customer account, sales partner account, syndicate investor account, or online services; your submission of application and/or provision of information for qualification for financing or other purposes; your subscription to blogs, newsletters, and alike; and your participation in any public areas on the Sites (collectively, the ”Services”).

In addition to these Terms of Use and the Privacy Policy, certain services offered through the Sites, such as your ability to submit requests for commercial financing and related services, will be subject to separate terms and conditions or contracts that will be provided to you and that you must agree to in connection with those requests or transactions. To the extent there is a conflict between these Terms of Use and a transaction-specific agreement, the transaction-specific agreement will govern.

PLEASE READ THESE TERMS OF USE CAREFULLY TO UNDERSTAND EACH PROVISION. THIS CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU AND JOSEPH CAPITAL NETWORK FOR THE USE OF THE SERVICES AND THE TERMS OF USE SHALL APPLY TO ALL USERS OF THE SITES. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITES, SERVICES, AND/OR CONTENT.

We may update these Terms of Use from time to time by making available a revised, dated version on the Sites. If the revised version includes a substantial change, we will provide a more prominent notice (including, for certain services, an email or other type of notification of Terms of Use changes) prior to the change becoming effective. Your continued use of the Sites shall constitute your acceptance of such updated Terms of Use. We encourage you to periodically review this page for the latest information.

  1. USE OF SITES

You may view and use the Sites and/or any of the information or Services only in accordance with these Terms of Use. You agree to use the Sites and/or Services only for lawful purposes and acknowledge that failure to do so may subject you to civil and criminal liability as determined by applicable law.

The Sites are for individual business owners and legal entities authorized to do business in the United States and are not intended for use by others or for use outside of the United States.

To access certain features of the Site, you may need to register for an account and provide certain documentation or information, including details about your identity, finances, and business performance.

By creating or accessing a user account, submitting a request for commercial financing, and/or otherwise using the Sites, you represent and warrant that: (i) You are 18 years old or older and capable of entering into a binding agreement. (ii) All information and/or documentation you submit is true, accurate, current, and complete. (iii) You will update such information as necessary to keep it true, accurate, current, and complete. (iv) The information belongs to you and does not infringe upon any third-party rights.

Joseph Capital Network reserves the right, at its sole discretion, to restrict your access to, and use of, the Sites, Services, and Site content at any time, with or without notice, and for any reason.

  1. PROHIBITED USES

You agree not to:

  • Provide false or misleading information to Joseph Capital Network.
  • Use the Site in violation of any laws or regulations.
  • Interfere with the security or operation of the Site.
  • Reverse engineer, hack, or attempt to disrupt the Site.
  • Transmit viruses, malware, or harmful content.
  • Use another user’s account without authorization.
  • Post offensive, defamatory, or unlawful content.
  • Send spam, junk mail, or unsolicited advertisements.
  • Infringe upon any intellectual property rights.
  1. ACCOUNT SECURITY

Each user is responsible for the security of their account and agrees not to share their login credentials. Joseph Capital Network reserves the right to terminate your access if account security is compromised.

  1. OWNERSHIP AND INTELLECTUAL PROPERTY

All Site content, including but not limited to text, images, logos, and software, is the property of Joseph Capital Network or its licensors. Unauthorized use, reproduction, or distribution is strictly prohibited.

  1. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

The Sites and Services are provided "as is" and "as available," without warranty of any kind. Joseph Capital Network is not responsible for any damages arising from your use of the Sites.

  1. DISPUTE RESOLUTION

Any disputes arising from these Terms of Use will be resolved through arbitration, and you waive the right to participate in class-action lawsuits.

  1. GOVERNING LAW

These Terms of Use are governed by the laws of the New Jersey State, without regard to conflict of law principles.

  1. CONTACT INFORMATION

For questions or concerns, contact us at support@josephcapitalnetwork.com.

By continuing to use the Sites, you acknowledge and agree to these Terms of Use.

‍