Welcome to Merix Capital Group (“Merix,” “we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your access to and use of merixcapitalgroup.com (the “Website”) and any services, applications, communications, or information provided through the Website.

By accessing or using our Website, submitting a funding request, or communicating with us, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Website or services.

1. Use of the Website

You agree to use this Website only for lawful purposes and in accordance with these Terms.

You may not:

• Use the Website in violation of any applicable law or regulation.

• Attempt to gain unauthorized access to our systems or networks.

• Interfere with the operation or security of the Website.

• Upload or transmit malicious code, viruses, or harmful software.

• Use automated tools to scrape, copy, or monitor Website content without our written permission.

We reserve the right to suspend or terminate access to the Website for any violation of these Terms.

2. Funding Applications

Submitting a funding inquiry or application does not guarantee approval, funding, or any specific financing terms.

All funding decisions are subject to review, underwriting, verification, eligibility requirements, and approval by Merix Capital Group or its funding partners.

We reserve the right to decline any application at our sole discretion.

3. Accuracy of Information

By submitting information through our Website, you represent and warrant that:

• All information provided is true, accurate, and complete.

• You are authorized to act on behalf of the business identified in the application.

• You will promptly notify us if any material information changes.

Providing false or misleading information may result in denial of financing, termination of your application, or other legal remedies.

4. Communications

By providing your contact information, you authorize Merix Capital Group and its representatives to communicate with you regarding your inquiry, application, or account by:

• Telephone

• Mobile phone

• Email

• Text message (SMS)

• Artificial or prerecorded voice messages where permitted by law

These communications may be made using automated dialing technology where permitted by applicable law.

Message and data rates may apply.

You may opt out of marketing communications at any time; however, service-related communications regarding an existing application or account may still be sent.

5. No Guarantee of Financing

Merix Capital Group works with businesses seeking financing through various funding solutions, including merchant cash advances, business loans, lines of credit, equipment financing, SBA loans, and other commercial financing products.

We do not guarantee:

• Approval

• Specific funding amounts

• Interest rates or factor rates

• Repayment terms

• Time to funding

Any financing offer is subject to final approval and execution of applicable agreements.

6. Intellectual Property

All content on this Website, including text, graphics, logos, branding, icons, images, software, and design elements, is owned by or licensed to Merix Capital Group and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, publish, or commercially exploit any Website content without our prior written consent.

7. Website Availability

We strive to keep our Website available and functioning properly but do not guarantee uninterrupted access.

We may modify, suspend, discontinue, or update any portion of the Website at any time without notice.

8. Third-Party Services

Our Website may include links to third-party websites or services.

These links are provided solely for convenience.

Merix Capital Group is not responsible for the content, privacy practices, availability, or policies of third-party websites or service providers.

Your use of third-party websites is at your own risk.

9. Disclaimer of Warranties

The Website and all information provided through it are offered on an “as is” and “as available” basis.

To the fullest extent permitted by law, Merix Capital Group disclaims all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, and uninterrupted or error-free operation.

Information provided on this Website is for general informational purposes only and should not be considered legal, tax, accounting, or financial advice.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Merix Capital Group shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from or relating to:

• Your use of the Website

• Inability to access the Website

• Funding decisions

• Delays in processing applications

• Errors or interruptions

• Unauthorized access to information

Our total liability for any claim arising from your use of the Website shall not exceed the amount, if any, paid by you directly to Merix Capital Group for use of the Website.

11. Indemnification

You agree to defend, indemnify, and hold harmless Merix Capital Group, its affiliates, employees, officers, directors, contractors, and agents from any claims, damages, liabilities, costs, or expenses arising from:

• Your violation of these Terms

• Your misuse of the Website

• Your violation of applicable laws

• Information you submit through the Website

12. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles.

Any dispute arising from these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in New York, and you consent to the jurisdiction of those courts.

14. Changes to These Terms

Merix Capital Group may modify these Terms at any time.

Updated Terms will become effective upon posting to this Website. Your continued use of the Website after changes are posted constitutes acceptance of the revised Terms.

15. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Merix Capital Group regarding your use of the Website.

17. Contact Us

If you have questions regarding these Terms & Conditions, please contact us.