Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Valtero Group Inc ("Valtero Group," "we," "our," or "us"), a New York corporation located at 1222 Avenue M, Brooklyn, NY 11230 (EIN: 42-3171979).

By accessing or using our website at valtero-group.com (the "Site"), submitting a funding application, or communicating with us, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must not use our Site or services.

2. Services Description

Valtero Group Inc operates as a direct business lender, providing access to various business financing solutions, including but not limited to:

• Working capital loans and business funding
• Equipment financing
• Revenue-based financing
• Invoice financing
• Commercial real estate financing
• Business expansion funding

All financing is subject to underwriting approval, credit review, and applicable terms and conditions specific to each financial product. Nothing on this Site constitutes a commitment to lend or a guarantee of approval.

Our services are available to businesses operating within the United States. We reserve the right to modify, suspend, or discontinue any service at any time without notice.

3. Eligibility

To use our Site and apply for financing, you must:

• Be at least 18 years of age
• Be a duly authorized representative of a business entity
• Have the legal authority to bind the business to financial agreements
• Operate a business located and incorporated in the United States
• Provide accurate, complete, and truthful information in all applications and communications

By submitting an application or using our services, you represent and warrant that you meet all of the above eligibility requirements.

4. Acceptable Use

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

• Provide false, misleading, or fraudulent information in any application or communication
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Use our Site to transmit spam, malware, or any harmful content
• Attempt to gain unauthorized access to our systems or data
• Use automated tools to scrape, crawl, or systematically access our Site without written permission
• Interfere with or disrupt the integrity or performance of our Site
• Violate any applicable local, state, national, or international law or regulation

We reserve the right to terminate or restrict access to our Site and services for any user who violates these Terms.

5. SMS Terms of Service

Opt-In Process

SMS opt-in is collected exclusively through the checkbox on our contact and funding application form. The checkbox is unchecked by default. Consent is only collected when you:

• Affirmatively check the SMS consent checkbox on the application form
• Provide a valid mobile phone number
• Submit the completed form

Opt-Out Process

You may opt out of SMS communications at any time using any of the following methods:

• Reply STOP to any SMS message received from Valtero Group Inc
• Send an email to jonathan@valtero-group.com requesting opt-out
• Write to us at 1222 Avenue M, Brooklyn, NY 11230

Following your opt-out, you will receive one final confirmation SMS. No further marketing SMS messages will be sent. Opting out of SMS communications does not affect your funding application or any existing financial products or services.

Supported Carriers

Carrier support for SMS delivery may vary. Major US carriers supported include: AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, US Cellular, Cricket, and others. We are not liable for delayed or undelivered messages resulting from carrier conditions or technical issues beyond our control.

Privacy of SMS Data

SMS opt-in data, mobile phone numbers, and consent records collected for SMS communications will not be shared with third parties or affiliates for marketing or promotional purposes. This data is used solely to deliver the SMS communications you have consented to receive from Valtero Group Inc.

6. Funding Applications

All funding applications submitted through our Site are subject to the following terms:

• Accuracy: All information provided in your application must be accurate, complete, and truthful. Providing false or misleading information is grounds for immediate denial and may constitute fraud.
• No Guarantee: Submission of an application does not guarantee approval. All applications are subject to underwriting review and approval at our sole discretion.
• Authorization: By submitting an application, you authorize Valtero Group Inc to obtain and verify information about you and your business, including credit reports, business records, and financial statements.
• Separate Agreement: Any funding extended by Valtero Group Inc will be governed by a separate written loan agreement, the terms of which will take precedence over these Terms with respect to the specific funding transaction.

7. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Valtero Group Inc or its content suppliers and is protected by applicable intellectual property laws. The Valtero Group name, logo, and all related marks are trademarks of Valtero Group Inc.

You may access and view content on this Site for personal, non-commercial informational purposes. Any other use, including reproduction, modification, distribution, or republication, requires our prior written permission.

8. Disclaimers

THIS SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS 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.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on the Site.

Nothing on this Site constitutes financial, legal, tax, or investment advice. You should consult with appropriate professional advisors before making any financial decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VALTERO GROUP INC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR OUR SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR OUR SERVICES EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100) OR (B) THE AMOUNT YOU PAID TO US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless Valtero Group Inc and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Site or services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you submit to us that is false, misleading, or fraudulent.

11. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising from or related to these Terms or our services shall be subject to the exclusive jurisdiction of the state and federal courts located in Kings County (Brooklyn), New York.

You agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class action, class arbitration, or any representative proceeding.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Material changes will be announced with reasonable notice. Your continued use of the Site or services following any changes constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

13. Contact Information

If you have questions about these Terms and Conditions or our SMS program, please contact us:

• Company: Valtero Group Inc
• Address: 1222 Avenue M, Brooklyn, NY 11230
• Email: jonathan@valtero-group.com
• EIN: 42-3171979

These Terms and Conditions were last reviewed and updated on January 1, 2025.