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TERMS AND CONDITIONS
Effective Date: March 8, 2026
These Terms and Conditions (the “Agreement”) govern your access to and use of the website located at www.northropcapitalgroup.com, including all related webpages, forms, features, functionality, content, communications, and services made available through or in connection with such website (collectively, the “Website”), which is owned and operated by Northrop Capital Group (“NCG,” “Company,” “we,” “our,” or “us”).
PLEASE READ THIS AGREEMENT CAREFULLY. BY ACCESSING, BROWSING, OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THIS AGREEMENT. IF YOU DO NOT AGREE TO THIS AGREEMENT, YOU MUST IMMEDIATELY CEASE ACCESSING AND USING THE WEBSITE.
We encourage you to print or save a copy of this Agreement for your records.
1. INTRODUCTION
1.1 Effective Date
The effective date of this Agreement is March 8, 2026.
1.2 Agreement
This Agreement governs your access to and use of the Website. By accessing or using the Website, however accessed or used, you agree to be bound by this Agreement.
1.3 Separate Privacy Policy
Your use of the Website is also subject to NCG’s Privacy Policy, which is incorporated into this Agreement by reference. By using the Website, you represent and warrant that you have read, understood, and agree to be bound by this Agreement and the Privacy Policy.
1.4 No Permission Without Agreement
If you do not agree to this Agreement or the Privacy Policy, you may not access or use the Website and must immediately cease doing so.
1.5 Dispute Resolution
THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION, A CLASS ACTION WAIVER, AND OTHER PROVISIONS THAT AFFECT YOUR LEGAL RIGHTS. PLEASE REVIEW SECTION 24 CAREFULLY.
2. NATURE OF WEBSITE AND SERVICES
2.1 Website Purpose
The Website is provided for informational, marketing, lead generation, communication, and business development purposes in connection with NCG’s capital advisory, intermediary, referral, and related consulting services.
2.2 Company Role
NCG provides advisory and intermediary services to businesses seeking access to possible commercial financing, growth capital, equipment financing, expansion capital, working capital, commercial real estate financing, and other business funding solutions.
2.3 Not a Lender
Unless expressly stated otherwise in a separate written agreement, NCG is not a bank or direct lender and does not itself make loans or final credit decisions.
2.4 No Guarantee
NCG does not guarantee that any user will be approved for financing, receive any specific terms, obtain any minimum or maximum funding amount, or enter into any transaction with any third-party capital source.
3. PRIVACY POLICY
By using the Website, you consent to the collection, use, storage, and disclosure of information as described in the Privacy Policy. NCG reserves the right to revise the Privacy Policy from time to time in its sole discretion, and your continued use of the Website following the posting of any revised Privacy Policy constitutes your acknowledgment and acceptance of such revisions, to the extent permitted by law.
4. CHANGES TO AGREEMENT
Internet technologies, business practices, and applicable laws, rules, and regulations change frequently. NCG reserves the right to modify this Agreement at any time, in its sole discretion, by posting the revised Agreement on the Website or otherwise providing notice. Any such changes shall become effective upon posting unless a different effective date is stated.
It is your responsibility to review this Agreement periodically. If at any time this Agreement is unacceptable to you, you must immediately cease using the Website. Your continued use of the Website following the posting of revised terms constitutes your acceptance of such revised terms.
5. ELIGIBILITY
5.1 Minimum Age and Legal Capacity
By using the Website, you represent and warrant that you are at least eighteen (18) years of age and otherwise legally qualified to enter into binding contracts under applicable law.
5.2 Business Authority
If you are using the Website on behalf of a corporation, limited liability company, partnership, or other entity, you further represent and warrant that you are authorized to act on behalf of such entity and to bind such entity to this Agreement.
5.3 Accuracy of Eligibility Representations
You agree that NCG may rely upon the foregoing representations and warranties. If any such representation or warranty is untrue, inaccurate, or incomplete, NCG may deny or terminate your access to the Website.
6. NO FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE
The information provided on the Website is for general informational purposes only and does not constitute legal advice, tax advice, accounting advice, investment advice, securities advice, or financial advice. No content on the Website shall be construed as a recommendation, endorsement, or solicitation to enter into any loan, lease, investment, financial arrangement, or other transaction.
You are solely responsible for evaluating the merits and risks of any financing or business decision and should consult your own legal, tax, accounting, financial, and other professional advisers before acting on any information made available through the Website.
Nothing contained on the Website shall create any fiduciary duty owed by NCG to you unless expressly set forth in a separate written agreement signed by an authorized representative of NCG.
7. TECHNOLOGY PLATFORM
The Website is a technology and communications platform made available by NCG for lawful informational and business purposes. You agree that your use of the Website is at your sole risk.
NCG does not warrant that the Website will operate without interruption, delay, defect, error, omission, or security vulnerability, or that the Website or its servers are free of viruses, malware, or other harmful components.
8. NO RELIANCE ON THIRD-PARTY CONTENT
Opinions, statements, testimonials, lender descriptions, calculator outputs, educational materials, or other content made available through the Website by third parties are those of their respective authors or sources and should not necessarily be relied upon.
NCG does not guarantee the accuracy, completeness, usefulness, legality, or reliability of any third-party content and does not adopt, endorse, or accept responsibility for such content. Under no circumstances shall NCG be responsible for any loss or damage resulting from your reliance on information or content supplied by any third party.
9. ASSUMPTION OF RISK; RELEASE
You knowingly and voluntarily assume all risks associated with your use of the Website and any reliance upon information, materials, tools, communications, or services made available through or in connection with the Website.
To the fullest extent permitted by applicable law, you, on behalf of yourself and your heirs, successors, representatives, and assigns, hereby release, waive, discharge, and hold harmless NCG and its owners, members, managers, officers, directors, employees, agents, representatives, contractors, affiliates, licensors, service providers, successors, and assigns (collectively, the “Company Parties”) from and against any and all claims, demands, liabilities, losses, damages, costs, and expenses of any nature whatsoever arising out of or relating to your access to or use of the Website, except to the extent resulting from NCG’s gross negligence or willful misconduct where such limitation is prohibited by law.
10. INFORMATION YOU PROVIDE; AUTHORIZATION TO SHARE
10.1 Accuracy of Information
You represent and warrant that all information, data, documents, financial materials, and other content submitted by you through or in connection with the Website is truthful, current, complete, accurate, and not misleading.
10.2 Right to Submit Information
You further represent and warrant that you have all rights, permissions, consents, and authority necessary to submit such information to NCG and to authorize NCG to review, process, and share such information as contemplated by this Agreement.
10.3 Authorization to Share with Third Parties
By submitting information through the Website, you authorize NCG to disclose, transfer, and provide such information to lenders, finance companies, banks, lessors, investors, capital providers, underwriting partners, technology vendors, processors, and other third-party service providers or counterparties as NCG deems reasonably necessary or appropriate for the purpose of evaluating potential financing opportunities, providing requested services, verifying information, processing inquiries, or conducting NCG’s business operations.
10.4 No Obligation to Act
Submission of information through the Website does not obligate NCG to provide services, secure financing, present your information to any third party, or continue communications with you.
11. USER ACCOUNT, ACCESS, AND SECURITY
11.1 Account Access
Certain portions of the Website may require you to register for, create, or access an account or otherwise submit identifying information.
11.2 Account Information
You agree to provide and maintain current, complete, and accurate information in connection with any account or login credentials associated with your use of the Website.
11.3 Security
You are solely responsible for maintaining the confidentiality of your login credentials and for all activity occurring under your account. You agree to notify NCG immediately of any unauthorized use of your account or any other breach of security.
11.4 Company Rights
NCG reserves the right, in its sole discretion, to suspend, restrict, deny, or terminate access to any account or portion of the Website at any time and for any lawful reason, including where NCG believes that any information provided is false, misleading, incomplete, or unauthorized.
12. CONSENT TO ELECTRONIC COMMUNICATIONS
By providing your name, email address, mailing address, telephone number, or other contact information through the Website, you expressly consent to receive communications from NCG and its representatives, including communications by email, telephone, and SMS/text message, regarding your inquiry, possible financing opportunities, services, follow-up communications, operational matters, and marketing or promotional matters, to the extent permitted by law.
You understand that your consent to receive communications is not a condition of purchase. Message and data rates may apply. You may opt out of certain communications as provided in the communication itself or by contacting NCG directly, subject to lawful exceptions for transactional or operational communications.
You agree that electronic communications from NCG satisfy any legal requirement that such communications be in writing.
13. THIRD-PARTY WEBSITES AND PROVIDERS
The Website may contain links to, references to, or integrations with websites, systems, products, or services operated by third parties (“Third-Party Providers”). NCG does not control, review, or endorse the content, performance, security, policies, or practices of any Third-Party Provider.
NCG disclaims, and you assume, all responsibility and liability for any damages, losses, or harm arising out of or relating to your access to, use of, or dealings with any Third-Party Provider. Any agreement or transaction entered into between you and any Third-Party Provider is solely between you and such Third-Party Provider.
14. LICENSE
Subject to your compliance with this Agreement, NCG grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Website solely for lawful informational and business purposes related to your interaction with NCG.
Except as expressly permitted in writing by NCG, you may not reproduce, duplicate, copy, distribute, publish, display, transmit, modify, create derivative works from, sell, resell, license, lease, rent, reverse engineer, scrape, harvest, or otherwise exploit any portion of the Website for any purpose.
All rights not expressly granted herein are reserved by NCG.
15. INTELLECTUAL PROPERTY
15.1 Ownership
All content and materials made available through the Website, including without limitation all text, graphics, logos, icons, images, video, audio, layouts, software, code, design, compilation, and arrangement, are owned by NCG or its licensors and are protected by applicable intellectual property and proprietary rights laws.
15.2 Company Marks
Northrop Capital Group, NCG, and all related names, logos, marks, trade dress, branding elements, slogans, and service marks appearing on or through the Website are the property of NCG or its licensors. Nothing contained in this Agreement grants you any right, title, interest, or license to use any such marks without prior written consent.
15.3 Restrictions
You agree not to remove, alter, or obscure any copyright, trademark, or other proprietary notices appearing on or through the Website.
16. USER CONTENT
16.1 Definition
“User Content” means any content, information, comment, testimonial, review, feedback, file, document, image, video, message, or other material that you submit, upload, post, transmit, or otherwise make available through or in connection with the Website.
16.2 Ownership
Except as otherwise provided herein, NCG does not claim ownership of your User Content.
16.3 License to Company
By submitting User Content, you grant to NCG and the Company Parties a non-exclusive, royalty-free, worldwide, sublicensable, transferable license to host, store, reproduce, adapt, modify, publish, display, distribute, transmit, and otherwise use such User Content for the purpose of operating the Website, communicating with you, evaluating your inquiry, providing services, maintaining records, complying with law, and, in the case of testimonials, reviews, or promotional materials, marketing NCG’s services, to the extent permitted by law.
16.4 Representations Regarding User Content
You represent and warrant that:
(a) you own or control all rights necessary to submit the User Content and grant the foregoing license;(b) your User Content does not violate any law, regulation, contractual restriction, confidentiality obligation, or third-party right; and(c) your User Content is not false, fraudulent, defamatory, misleading, obscene, or otherwise unlawful.
16.5 Right to Remove
NCG reserves the right, but not the obligation, to review, reject, remove, disable access to, or delete any User Content in its sole discretion and without notice.
17. FEEDBACK
If you submit any suggestions, recommendations, ideas, enhancements, improvements, comments, or other feedback concerning the Website or NCG’s business, products, or services, you agree that NCG shall be free to use, exploit, disclose, reproduce, modify, and commercialize such feedback for any purpose, without restriction, attribution, or compensation to you.
18. OBJECTIONABLE CONTENT
You agree not to upload, post, transmit, distribute, or otherwise make available through the Website any content or material that:
• is false, misleading, or fraudulent;• is defamatory, libelous, abusive, threatening, harassing, obscene, pornographic, or otherwise objectionable;• infringes or violates any intellectual property, privacy, publicity, confidentiality, or other rights of any third party;• contains malware, spyware, ransomware, viruses, or any other harmful code;• promotes unlawful activity;• discloses confidential or proprietary information of another without authorization;• or otherwise violates this Agreement or any applicable law.
NCG reserves the right to investigate and take appropriate action regarding any such content, including removal, suspension, termination, referral to law enforcement, or legal action.
19. PROHIBITED USES
You agree that you shall not, directly or indirectly:
1. use the Website in violation of any applicable law, rule, or regulation;2. provide false, inaccurate, misleading, or incomplete information;3. impersonate any person or entity or misrepresent your identity or affiliation;4. interfere with or disrupt the Website or any server or network used in connection therewith;5. attempt to gain unauthorized access to any account, system, or data;6. probe, scan, or test the vulnerability of the Website or any related system or network;7. upload or transmit any virus, malware, or harmful code;8. use robots, spiders, scrapers, crawlers, or other automated means to access, monitor, or collect data from the Website;9. reverse engineer, decompile, disassemble, or otherwise attempt to derive source code from any portion of the Website;10. send unsolicited marketing communications, spam, or mass messages through or in connection with the Website;11. harvest or collect personal information of other users or visitors;12. infringe or violate the intellectual property or other rights of NCG or any third party; or13. use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with another party’s use thereof.Any violation of this Section may subject you to civil and/or criminal liability.
20. COPYRIGHT COMPLAINTS / DMCA
NCG respects the intellectual property rights of others and expects users of the Website to do the same. If you believe that material available on the Website infringes your copyright, you may submit a written notice containing:
1. your physical or electronic signature;2. identification of the copyrighted work claimed to have been infringed;3. identification of the allegedly infringing material and information reasonably sufficient to permit NCG to locate such material;4. your name, address, telephone number, and email address;5. a statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law; and6. a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or are authorized to act on behalf of the copyright owner.
Notices may be sent to:
Northrop Capital Group
Email: info@northropcapitalgroup.com
Subject Line: DMCA Notice
NCG reserves the right to remove or disable access to allegedly infringing material and to terminate repeat infringers where appropriate.
21. DISCLAIMERS; NO WARRANTIES
THE WEBSITE, AND ALL CONTENT, MATERIALS, TOOLS, INFORMATION, FORMS, COMMUNICATIONS, AND FUNCTIONALITY MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE WEBSITE, ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY LAW, NCG DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AVAILABILITY, SECURITY, ACCURACY, COMPLETENESS, RELIABILITY, AND FREEDOM FROM ERRORS OR HARMFUL COMPONENTS.
WITHOUT LIMITING THE FOREGOING, NCG DOES NOT WARRANT THAT:
(a) THE WEBSITE WILL MEET YOUR REQUIREMENTS;(b) THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;(c) ANY DEFECTS WILL BE CORRECTED;(d) ANY INFORMATION PROVIDED THROUGH THE WEBSITE IS ACCURATE, COMPLETE, CURRENT, OR RELIABLE; OR(e) ANY FINANCING, LENDER MATCH, OR BUSINESS OPPORTUNITY WILL BE AVAILABLE, APPROVED, OR SUITABLE.
22. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL NCG OR ANY OF THE COMPANY PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE WEBSITE, YOUR USE OF OR INABILITY TO USE THE WEBSITE, YOUR RELIANCE ON ANY CONTENT OR COMMUNICATION, OR ANY DEALINGS WITH ANY THIRD PARTY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF NCG AND THE COMPANY PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE WEBSITE OR THIS AGREEMENT SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100.00).
THE LIMITATIONS SET FORTH IN THIS SECTION ARE A FUNDAMENTAL BASIS OF THE BARGAIN BETWEEN YOU AND NCG, AND THE WEBSITE WOULD NOT BE PROVIDED ABSENT SUCH LIMITATIONS.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES; ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
23. INDEMNIFICATION
You agree to defend, indemnify, and hold harmless NCG and the Company Parties from and against any and all claims, demands, actions, causes of action, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees and legal costs, arising out of or relating to:
1. your access to or use of the Website;2. your breach of this Agreement;3. your violation of any applicable law, rule, or regulation;4. your submission of false, misleading, unauthorized, or infringing information or User Content;5. your violation of any intellectual property, privacy, publicity, confidentiality, or other rights of any third party; or6. your dealings or disputes with any third party arising from or relating to the Website.
NCG reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate fully with such defense.
24. DISPUTE RESOLUTION
24.1 Binding Arbitration
To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or relating to this Agreement, the Website, or your relationship with NCG that cannot be resolved informally shall be finally and exclusively resolved by binding arbitration on an individual basis.
24.2 Waiver of Jury Trial and Class Actions
YOU AND NCG AGREE THAT EACH PARTY IS WAIVING THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, MASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING.
24.3 Informal Resolution
Before initiating arbitration, the party asserting the dispute shall first provide written notice to the other party describing the nature of the dispute and the requested relief. The parties shall attempt in good faith to resolve the dispute informally for at least thirty (30) days.
24.4 Arbitration Rules
Unless otherwise required by applicable law, arbitration shall be administered by the American Arbitration Association (“AAA”) under its applicable rules then in effect.
24.5 Venue
The arbitration shall be conducted in Oklahoma County, Oklahoma, unless the parties mutually agree otherwise or unless remote proceedings are permitted by the arbitrator or governing rules.
24.6 Equitable Relief
Notwithstanding the foregoing, either party may seek temporary, preliminary, or injunctive relief in a court of competent jurisdiction to protect its rights or property pending completion of arbitration.
24.7 Court Proceedings Related to Arbitration
Any action to compel arbitration, stay proceedings pending arbitration, or confirm, modify, vacate, or enforce an arbitration award shall be brought in a state or federal court of competent jurisdiction located in Oklahoma County, Oklahoma.
25. GOVERNING LAW
This Agreement and any dispute arising out of or relating to this Agreement or the Website shall be governed by and construed in accordance with the laws of the State of Oklahoma, without regard to its conflict of law principles, except to the extent federal law governs the enforcement of the arbitration provisions herein.
26. TERMINATION
26.1 Termination by Company
NCG reserves the right, in its sole discretion and without notice or liability, to deny, suspend, restrict, or terminate your access to the Website at any time and for any lawful reason, including for any actual or suspected breach of this Agreement.
26.2 Automatic Termination Upon Breach
This Agreement shall automatically terminate upon your breach of any representation, warranty, covenant, or other provision of this Agreement.
26.3 Effect of Termination
Upon termination, all rights granted to you under this Agreement shall immediately cease, and you shall promptly discontinue all use of the Website.
26.4 Survival
Any provisions of this Agreement that by their nature should survive termination shall survive, including without limitation Sections concerning intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, governing law, and general provisions.
27. NOTICES
All notices required or permitted under this Agreement shall be in writing.
NCG may provide notice to you by email, posting on the Website, or other reasonable means using the contact information you have provided.
You may provide notice to NCG by email at:
info@northropcapitalgroup.com
You are solely responsible for keeping your contact information current and accurate.
28. GENERAL
28.1 Entire Agreement
This Agreement, together with the Privacy Policy and any other written terms expressly incorporated herein by reference, constitutes the entire agreement between you and NCG concerning your use of the Website and supersedes all prior or contemporaneous understandings relating thereto.
28.2 Partial Invalidity
If any provision of this Agreement is held invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, the remaining provisions shall remain in full force and effect.
28.3 No Waiver
No waiver by NCG of any provision of this Agreement or any breach thereof shall constitute a waiver of any other provision or any subsequent breach.
28.4 Assignment
You may not assign, delegate, or transfer this Agreement or any rights or obligations hereunder without NCG’s prior written consent. NCG may assign this Agreement without restriction.
28.5 Independent Contractors
Nothing in this Agreement shall be construed to create any agency, partnership, joint venture, fiduciary, employment, or franchise relationship between you and NCG.
28.6 No Third-Party Beneficiaries
Except as expressly provided herein, this Agreement is for the sole benefit of you and NCG and does not confer any rights or remedies upon any third party.
28.7 Headings
Section headings are for convenience only and shall have no legal or contractual effect.
29. CONTACT INFORMATION
If you have questions concerning this Agreement, you may contact:
Northrop Capital Group
Website: www.northropcapitalgroup.comEmail: info@northropcapitalgroup.com
- Our goal is to help entrepreneurs to build thriving companies by providing the best accessible funding options on the market today and provide other essential business services.
Capital Solutions
Office Hours
Monday - Saturday
8:00 AM to 6:00 PM CST
Closed Sunday
Office: 405-310-1190
Toll Free 1-800-432-5444