Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the Capital Bridge Solutions website, AI chat assistant (Cap), and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Services.

2. Eligibility

You must meet the following requirements to use our Services:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Services under applicable law
• Provide accurate and complete information

3. Services Description

Capital Bridge Solutions provides:

• Loan Information: Educational content about real estate financing
• AI Chat Assistant: Cap, our AI-powered loan companion
• Pre-Qualification: Preliminary assessment of loan eligibility
• Deal Analysis Tools: Calculators and financial analysis
• Loan Facilitation: Connection to lending partners and services

3.1 Not Financial Advice

Our Services provide general information only and do not constitute financial, legal, or tax advice. You should consult with qualified professionals before making investment decisions.

3.2 Not a Commitment to Lend

Pre-qualification, rate estimates, and preliminary offers are not commitments to lend. All loans are subject to underwriting approval, property appraisal, and other conditions.

4. User Accounts and Registration

When you create an account or provide information:

• You must provide accurate, current, and complete information
• You are responsible for maintaining account security
• You must notify us immediately of unauthorized access
• You are responsible for all activities under your account
• We reserve the right to suspend or terminate accounts

5. Acceptable Use

You agree NOT to:

• Provide false or misleading information
• Use our Services for illegal purposes
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Harass, abuse, or harm others
• Scrape, copy, or reproduce our content without permission
• Interfere with the proper functioning of our Services
• Use automated systems (bots) without authorization
• Impersonate any person or entity
• Violate any applicable laws or regulations

6. AI Chat Assistant (Cap)

6.1 How Cap Works

Cap is an AI-powered assistant that:

• Answers questions about real estate financing
• Provides personalized loan recommendations
• Analyzes investment property deals
• Collects information for pre-qualification

6.2 AI Limitations

You acknowledge that:

• AI responses may contain errors or inaccuracies
• Cap is not a licensed financial advisor
• AI suggestions should be verified by human professionals
• We are not liable for decisions based solely on AI recommendations
• Conversation data may be used to improve our AI models

7. Intellectual Property

7.1 Our Content

All content on our website, including text, graphics, logos, software, and AI models, is owned by Capital Bridge Solutions or our licensors and protected by intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our Services for personal, non-commercial purposes
• View and print content for your own use

7.3 Restrictions

You may NOT:

• Reproduce, distribute, or create derivative works
• Reverse engineer our software or AI models
• Remove copyright or proprietary notices
• Use our content for commercial purposes without permission

8. Third-Party Services

Our Services may integrate with or link to third-party services:

• OpenAI: AI language processing
• Perplexity AI: Market research and data
• Google Analytics: Website analytics
• Other Partners: Credit bureaus, title companies, lenders

We are not responsible for third-party services, their content, or their practices. Your use of third-party services is subject to their own terms and policies.

9. Disclaimers

9.1 "As Is" Basis

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9.2 No Guarantee

We do not guarantee that:

• Our Services will be uninterrupted or error-free
• Information provided is accurate, complete, or current
• Results will meet your expectations
• You will be approved for a loan
• Rate estimates will be available at time of application

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITAL BRIDGE SOLUTIONS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or data
• Business interruption
• Investment losses
• Missed opportunities
• Cost of substitute services

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Capital Bridge Solutions and our affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any third-party rights
• Information you provide to us

12. Dispute Resolution

12.1 Governing Law

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

12.2 Arbitration

Any dispute arising from these Terms or our Services shall be resolved through binding arbitration in Orange County, California, rather than in court, except that you may assert claims in small claims court if they qualify.

12.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Termination

We may terminate or suspend your access to our Services:

• For violation of these Terms
• For fraudulent or illegal activity
• If required by law
• At our discretion, with or without notice

Upon termination, your right to use our Services ceases immediately. Provisions that by their nature should survive termination shall survive.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on our website
• Updating the "Last Updated" date
• Sending email notification for significant changes

Your continued use of our Services after changes constitutes acceptance of the modified Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Capital Bridge Solutions regarding our Services.

17. Contact Information

For questions about these Terms, please contact us:

Acknowledgment: By using Capital Bridge Solutions' Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.