ParCap Solutions, Inc. – Terms of Use

Last Updated: October 22, 2025

1. Ownership of Site; Agreement to Terms of Use

The website located at www.parcapsolutions.com and any related pages, forms, communications, or subdomains (collectively, the “Website”) are operated by ParCap Solutions, Inc. (“ParCap,” “we,” “our,” or “us”).

ParCap Solutions, Inc. operates as an Independent Sales Organization (“ISO”) that partners with multiple third-party funding companies and financial service providers to connect small and medium-sized businesses with potential business financing solutions (the “Services”). ParCap is not a lender or funder, does not make credit decisions, and does not extend or service loans.

By accessing or using this Website, submitting information through any form, or engaging with ParCap in any manner, you agree to be bound by these Terms of Use (the “Agreement”). If you do not agree, you should not use the Website or Services.

“You” refers to both the individual using the Website and the business entity such individual represents. You represent that you are authorized to act on behalf of the business entity and to bind it to this Agreement.

You may not use the Services if you are under 18 years of age. BY USING THE WEBSITE OR SERVICES, YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST 18 YEARS OLD AND A LEGAL RESIDENT OF THE UNITED STATES.

2. Modifications

We may revise these Terms of Use at any time. The “Last Updated” date above indicates when changes were made. Continued use of the Website or Services after changes have been posted constitutes your acceptance of those changes.

3. Nature of Services; No Guarantee

ParCap Solutions, Inc. works with a network of independent third-party funding companies (“Funding Partners”) to help identify potential business financing solutions for qualified applicants. ParCap may share your business and contact information with one or more Funding Partners based on your business profile and funding needs.

ParCap does not guarantee approval for any financing product, nor does it determine eligibility, creditworthiness, or loan terms. All funding decisions, terms, and conditions are made solely by the Funding Partner.

You understand and agree that ParCap does not act as a broker, agent, or lender, and all funding agreements are strictly between you and the Funding Partner you choose to engage with.

ParCap may receive a referral or marketing fee from Funding Partners for facilitating introductions or completed transactions. The amount and structure of such compensation may vary by program or partner.

4. Credit & Background Authorization

By submitting an application or request for financing, you authorize ParCap and its Funding Partners to obtain credit reports, background checks, and other information about you and your business from third-party sources, including consumer and business credit bureaus, bank verification systems, and fraud-prevention databases.

These inquiries may involve both soft and hard credit pulls. You may request the name and address of any credit reporting agency from which a report was obtained.

5. Information Collection & Privacy

Your privacy is important to us. Please review our Privacy Policy, which explains how ParCap collects, uses, and protects your information. By using the Website, you consent to all data practices described in the Privacy Policy, including the sharing of information with Funding Partners, analytics tools, and technology service providers.

6. Registration & Account Security

If you create an account or register on our Website, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. You must notify ParCap immediately if you suspect unauthorized access. ParCap is not responsible for losses resulting from unauthorized account use.

7. Site Security

You agree not to engage in any activity that could damage, disable, or impair the Website, including attempting to gain unauthorized access, introducing malware, or disrupting functionality. ParCap uses reasonable security measures, but cannot guarantee complete security of transmissions or stored information.

8. Electronic Communications & Consent

By using the Website or Services, you consent to receive electronic communications, including disclosures, agreements, updates, and notices, from ParCap and its Funding Partners. These may be delivered via email, text message, or other digital means. You agree that all such electronic communications satisfy any legal requirement that such communications be in writing.

9. Consent to Be Contacted

By providing your contact information (via any form, phone call, or application), you consent to be contacted by ParCap Solutions, Inc., its affiliates, and Funding Partners via phone calls, emails, text messages, prerecorded or artificial voice messages, and/or autodialed systems. This consent applies even if your phone number is registered on any Do-Not-Call list.

Message and data rates may apply. You may opt out of text communications by replying “STOP” or by emailing us at [email protected]. Opting out will not affect transactional or legally required messages.

10. Third-Party Websites & Services

The Website may contain links to third-party websites, funding platforms, or informational resources. ParCap does not control and is not responsible for third-party content, privacy policies, or business practices. Accessing third-party websites is at your own risk, and such sites are governed by their own terms and policies.

11. Intellectual Property

All content on the Website, including text, logos, images, graphics, videos, and code, is the property of ParCap Solutions, Inc. or its licensors and is protected by copyright, trademark, and other laws. You may not copy, distribute, reproduce, or create derivative works from this content without our express written permission.

12. No Professional Advice

The information provided on this Website is for general informational purposes only and does not constitute financial, legal, or tax advice. ParCap encourages you to seek professional advice before making any financial decisions.

13. Arbitration Agreement & Class Action Waiver

At the election of either party, any claim, dispute, or controversy between you and ParCap arising from or relating to this Agreement, the Website, or the Services will be resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its commercial arbitration rules.

All arbitration proceedings shall take place in the state and county where ParCap’s principal office is located or as otherwise agreed by the parties. The arbitrator’s award will be final and binding, and may be entered in any court of competent jurisdiction.

You and ParCap agree that claims must be brought only in an individual capacity, and not as part of a class or representative action.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PARCAP SOLUTIONS, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, OR DATA ARISING FROM OR RELATED TO THE USE OF THE WEBSITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

ParCap’s total liability for all claims shall not exceed the greater of $100 or the total amount paid by you to ParCap, if any, in connection with the Services.

15. Disclaimer of Warranties

The Website and Services are provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. ParCap does not warrant that the Website will be error-free, uninterrupted, or secure.

16. Indemnification

You agree to indemnify and hold harmless ParCap Solutions, Inc., its officers, directors, employees, and affiliates from any claims, losses, damages, or expenses (including attorney’s fees) arising out of or related to your breach of this Agreement, your use of the Website or Services, or your dealings with any Funding Partner.

17. Governing Law & Venue

This Agreement is governed by the laws of the State of Nevada, without regard to conflict-of-law principles. Subject to the arbitration provision above, you consent to the exclusive jurisdiction of the state and federal courts located in Clark County, Nevada.

18. Severability

If any provision of this Agreement is held invalid or unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

This Agreement, together with our Privacy Policy and any supplemental disclosures, constitutes the entire agreement between you and ParCap Solutions, Inc. regarding your use of the Website and Services.

20. Contact Us

For questions or concerns about these Terms of Use, contact us at:

ParCap Solutions, Inc.

Email: [email protected]

Address: 3223 E. Warm Springs, Las Vegas, NV 89120

Phone: 1-866-688-1299