1. Acceptance of Terms

By accessing and using the Seth Capital Group LLC ("Seth Capital Group," "SCG," "we," "us," or "our") website at sethcapitalgroup.com (the "Site"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Site.

2. About Seth Capital Group

Seth Capital Group LLC is a business purpose investment property lending company. We originate business purpose investment property loans through approved wholesale lending partners. All loans originated through Seth Capital Group are business purpose only and are not subject to consumer lending regulations including RESPA, TILA, or the SAFE Act.

Seth Capital Group is not a licensed mortgage lender or mortgage broker for consumer-purpose loans. We do not originate owner-occupied residential mortgages or any loan intended for personal, family, or household use.

3. Business Purpose Loans Only

All loan products and services offered through this Site are exclusively for business purpose investment property transactions. By submitting an inquiry or application through this Site, you represent and warrant that:

• The property is or will be used for investment or business purposes only
• You will not occupy the property as your primary residence
• The loan proceeds will not be used for personal, family, or household purposes
• You are acquiring or refinancing the property as a business or investment activity

4. Not a Commitment to Lend

Nothing on this Site constitutes a commitment to lend, a loan approval, or a guarantee of any loan terms. All loan approvals are subject to underwriting guidelines, property eligibility, borrower qualification, and lender approval. Interest rates, terms, and availability are subject to change without notice.

5. Information Accuracy

While we strive to provide accurate and up-to-date information on this Site, we make no warranties or representations regarding the completeness, accuracy, or reliability of any information provided. Loan program details, rates, terms, and eligibility requirements are subject to change and may vary based on lender guidelines and market conditions.

Market data, property statistics, and investment information provided on state and market landing pages are for informational purposes only and should not be relied upon as the sole basis for any investment decision.

6. Use of the Site

You agree to use this Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates any applicable law or regulation
• Submit false, misleading, or fraudulent information through any form on the Site
• Attempt to gain unauthorized access to any portion of the Site
• Use the Site to transmit any unsolicited advertising or spam
• Reproduce, distribute, or create derivative works from any content on the Site without our express written permission

7. Intellectual Property

All content on this Site — including text, graphics, logos, images, calculators, tools, and software — is the property of Seth Capital Group LLC or its licensors and is protected by applicable intellectual property laws. The Seth Capital Group name, logo, and "Investor Loan Solutions" tagline are trademarks of Seth Capital Group LLC.

8. Calculator and Tool Disclaimers

The DSCR calculator, mortgage calculator, interest-only calculator, and any other tools provided on this Site are for informational and estimation purposes only. Results generated by these tools do not constitute a loan offer, pre-qualification, or guarantee of any loan terms. Actual loan amounts, rates, and terms may differ based on underwriting review and lender guidelines.

9. Third-Party Links

This Site may contain links to third-party websites, including state government websites for entity formation, lender resources, and other external services. These links are provided for convenience only. Seth Capital Group does not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party websites.

10. Referral Network

Participation in the Seth Capital Investor Network is subject to the separate Investor Network Referral Agreement. Referral partners are independent contractors and are not employees, agents, or representatives of Seth Capital Group. Referral compensation is governed exclusively by the terms of the Referral Agreement.

11. Limitation of Liability

To the fullest extent permitted by law, Seth Capital Group LLC, its members, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site, any information provided on this Site, or any loan transaction originated through our services.

12. Indemnification

You agree to indemnify and hold harmless Seth Capital Group LLC, its members, officers, employees, and affiliates from any claims, damages, losses, or expenses arising from your use of this Site, your violation of these Terms, or your violation of any applicable law or regulation.

13. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Idaho, without regard to its conflict of law provisions.

14. Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

15. Contact

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

Seth Capital Group LLC
Email: lending@sethcapitalgroup.com
Phone: (208) 615-9350