1. Acceptance of these terms
These Terms & Conditions ("Terms") govern your use of moneycapitalgrowth.com (the "Site") and the information you request through it. By accessing the Site, submitting a form, or subscribing to our newsletter, you agree to these Terms. If you do not agree, please do not use the Site.
The Site is operated by Money Capital Growth, 2050 Tilia St, Davis, CA 95616, USA.
2. Information is not personal financial advice
Content on this Site — including articles, service descriptions, checklists, and illustrative figures — is general information only. It does not take into account your objectives, financial situation, or needs, and must not be relied on as personal financial, investment, tax, legal, or insurance advice.
No advisory relationship is created by using the Site or sending an enquiry. A relationship begins only when we have agreed a written scope of work and fee with you. Always obtain advice specific to your circumstances before acting, and consider consulting a licensed attorney or accountant for legal or tax matters.
3. Services and eligibility
We describe our services on the Site for information. All lending, mortgage, investment, tax, and insurance products are subject to eligibility criteria, lender or insurer approval, product terms, and applicable law. Rates, fees, limits, and availability can change without notice.
Indicative figures, examples, and performance illustrations shown on the Site are for illustration only. They are not offers, guarantees, or predictions of future results. Investment values can fall as well as rise and you may get back less than you invest.
4. Enquiries, applications, and submissions
When you submit a form you confirm that the information you provide is accurate, complete, and yours to share. You must not submit another person's information without their permission.
Submitting an enquiry does not guarantee a response within a specific timeframe, an offer of credit, or acceptance as a client. We may decline an enquiry or an application where we consider it appropriate, including where a product would not be suitable.
5. Newsletter and communications
Newsletter subscriptions are optional and require your consent. Every marketing email includes an unsubscribe link, and you can also unsubscribe through the newsletter page. Unsubscribing stops marketing emails; it does not stop transactional messages relating to an active application, policy, or client relationship.
You are responsible for keeping your contact details current so that we can reach you.
6. Acceptable use of the Site
You agree not to:
- Use the Site for unlawful purposes or in breach of these Terms;
- Attempt to gain unauthorised access to the Site, its servers, or any connected systems;
- Introduce malware, or interfere with the availability or integrity of the Site;
- Scrape, copy, or republish substantial parts of the Site without written permission;
- Impersonate any person or misrepresent your affiliation with any organisation.
7. Intellectual property
Unless otherwise stated, the Site and its content — including text, articles, design, graphics, logos, and the Money Capital Growth name — are owned by or licensed to us and protected by intellectual property laws. You may view, download, and print pages for personal, non-commercial use, provided you do not remove proprietary notices. Any other use requires our prior written consent.
8. Third-party links and content
The Site may link to third-party websites, including lenders, insurers, mapping services, and social media platforms. Those sites are not under our control and we are not responsible for their content, availability, or privacy practices. Links do not imply endorsement. Your use of a third-party site is governed by its own terms.
9. Disclaimers
The Site is provided on an "as available" and "as is" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that information on it is complete or current at all times.
10. Limitation of liability
To the fullest extent permitted by law, Money Capital Growth, its principals, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of the Site.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or fraudulent misrepresentation.
11. Indemnity
You agree to indemnify and hold harmless Money Capital Growth and its personnel against claims, losses, liabilities, and reasonable costs arising from your breach of these Terms or your misuse of the Site, to the extent permitted by law.
12. Governing law and disputes
These Terms are governed by the laws of the State of California, USA, without regard to conflict-of-law principles. The state and federal courts located in Yolo County, California, will have exclusive jurisdiction over disputes arising from these Terms or the Site, subject to any non-waivable rights you may have.
13. Changes to these terms
We may update these Terms from time to time. The revised version takes effect when posted on this page, and the effective date will be updated. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
14. Contact us
Questions about these Terms can be sent to contact@moneycapitalgrowth.com or by post to Money Capital Growth, 2050 Tilia St, Davis, CA 95616, USA. You can also call +1 530-759-0661 during office hours.