Terms of Use

Introduction and Acceptance of Terms

Welcome to the website and client portal of Capital Foundation Partners (“CFP,” “Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our public website, client portal, any downloadable tools or interactive features, and the services provided by CFP (collectively, the “Services”). By accessing or using our website, portal, or Services, you acknowledge that you have read and agree to be bound by these Terms. These Terms apply to all use of CFP’s Services regardless of the means of access (online through our sites or offline through other service interactions) (b2b.statefarm.com, fscglobal.org). If you do not agree with any part of these Terms, you must not use or access our website, portal, or Services. Use of our site is also subject to our posted Privacy Policy and any other policies or guidelines we may provide. In the event that you or your company have a separate written agreement with CFP (such as a service contract), that agreement will remain in effect and is not modified by these Terms (b2b.statefarm.com). These Terms govern your general use of our online Services and are in addition to any other legally binding agreements between you and CFP.

Eligibility and User Responsibilities

Eligibility: The Services are intended for use by business entities and their authorized representatives. By using our website or portal, you represent that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to form a binding contract. If you are using the Services on behalf of a company or other organization, you represent that you are authorized to bind that entity to these Terms. The Services are business-to-business (B2B) and not intended for personal, family, or household use by individual consumers.

User Responsibilities: You agree to use our website and Services only for lawful business purposes and in compliance with these Terms and all applicable laws and regulations (fscglobal.org). You are responsible for ensuring that any information you provide to us (for example, during account registration or in utilizing the Services) is truthful, accurate, and up-to-date at all times. You will not use the site or Services in any manner that is fraudulent, illegal, defamatory, abusive, harassing, or that infringes upon anyone’s rights (mastercard.com). This includes a prohibition on transmitting any content that is unlawful, harmful, obscene, or otherwise objectionable, or introducing any malware or harmful code. You further represent and warrant that your use of the Services will not violate any agreement or obligation you have with a third party and will not be used for any unauthorized or competitive purpose. Failure to adhere to these requirements may result in suspension or termination of your access to the Services and potential legal consequences for any damages caused by your non-compliance.

Use of Website and Services (Including Client Portal)

Account Registration and Security: Certain portions of our Services (such as the client portal) may require you to register an account with a username and password. You agree to provide accurate and complete information during registration and to update such information as necessary to keep it current. You are responsible for maintaining the confidentiality and security of your account credentials, and you agree not to share or transfer your username or password to any other person. All activities that occur under your account credentials will be deemed authorized by you, so please guard your login information carefully. If you become aware of any unauthorized use of your account or password, you must notify us immediately. Access to the client portal and secured areas of our site is restricted to authorized users only; unauthorized access or use is prohibited and may result in criminal and/or civil liability (b2b.statefarm.com). We reserve the right to monitor access to our portal and systems for security purposes. If it is determined that an unauthorized person has obtained access to the Services using your credentials, we may revoke your access and take other appropriate actions (b2b.statefarm.com).

Proper Use: You agree to use our website and client portal only for their intended business purposes. You must not attempt to gain unauthorized access to any part of the site or another user’s data, and you will not interfere with or disrupt the functionality of the Services. You are also prohibited from (a) engaging in any activity that could damage, disable, or impair our servers or networks, (b) using any robot, scraper, or automated means to access the site for any purpose without our express written permission, or (c) attempting to circumvent any security features of the site. CFP may, at its discretion, suspend or terminate your access if we believe you are violating the letter or spirit of these Terms or otherwise using the Services inappropriately.

No Expectation of Privacy: While using the client portal or other interactive features, please remember that the communications may be monitored for compliance and security. Any personal data you provide is subject to our Privacy Policy, but we make no guarantee of confidentiality for general communications on our platform. Do not upload or share sensitive personal information (such as Social Security numbers or bank account details) in unsupported areas of the site (mastercard.com,) except where specifically requested for secure payment or Service functions.

Intellectual Property Rights

Ownership of Content: The website, portal, and all content and materials available through the Services – including but not limited to text, logos, graphics, images, software, audio/video clips, data compilations, page layouts, and the design/look and feel of the site (collectively, “Content”) – are the property of CFP or our licensors and are protected by United States and international intellectual property laws (mastercard.com). All trademarks, service marks, logos, and trade names displayed on the site are proprietary to CFP or their respective owners (mastercard.com). Nothing in these Terms or on the site shall be construed as granting you any license or right to use any of CFP’s trademarks or copyrighted materials without our prior written permission (mastercard.com).

Limited License for Use: Subject to your compliance with these Terms, CFP grants you a limited, revocable, non-exclusive, non-transferable license to access and use the website, portal, and downloadable tools for your internal business purposes only. This license allows you to display, download, and use the Content and Services solely in connection with your legitimate business relationship with CFP. You may also print reasonable copies of website materials for your own use. No other use of the Content is authorized. Except as expressly permitted by these Terms or by law, you may not copy, reproduce, distribute, publish, reverse-engineer, decompile, modify, create derivative works from, or publicly display any part of the Site or its Content for any commercial or public purpose without CFP’s prior written consent. Any rights not expressly granted to you in these Terms are reserved by CFP and its licensors. If you breach these Terms, your authorization to use the Content and Services automatically terminates, and you must immediately cease any use of protected Content. Unauthorized use of the Site or Content may result in civil or criminal liability under intellectual property laws.

User Submissions and Communications

Our Services may allow you to submit information, inquiries, feedback, or other content to us through web forms, emails, file uploads, or other communication channels (collectively, “User Submissions”). CFP does not claim ownership of the materials or information you submit, and any copyrights or other rights in your User Submissions remain with you. However, by posting, uploading, or submitting any User Submission, you grant CFP a worldwide, royalty-free, perpetual, irrevocable, sublicensable, and non-exclusive license to use, reproduce, distribute, adapt, translate, publish, and publicly display your submission (in whole or in part) and to incorporate it into other works, in connection with operating, improving, or promoting our Services. This license includes the right for CFP to use any ideas or suggestions you provide (for example, feedback on our services) without any obligation to compensate you.

By providing any User Submission, you represent and warrant that you have all necessary rights and permissions to do so, and that the content of the submission does not violate any law or infringe any third-party rights. You agree not to submit any content that is confidential (to you or others), proprietary, or that contains personally identifiable information of others without authorization. CFP reserves the right to remove or not post any User Submission at our discretion and is under no obligation to review your submissions or to keep any submissions confidential. You acknowledge that any communications or submissions you send to us via the website (such as comments or inquiries) are not provided in confidence and that CFP may monitor and retain such communications as needed.

When interacting with us or other users (if applicable) on the site or portal, always use professional and respectful language. You may not upload or transmit any content that is illegal, offensive, or that contains viruses or harmful code. CFP takes no responsibility and assumes no liability for any User Submissions posted by you or any third party, nor for any mistakes, defamation, or unlawful content you may encounter. You agree that we may disclose any information as necessary to satisfy any law, regulation, legal process, or governmental request, or to protect ourselves or our clients as described in our Privacy Policy.

Payment Processing and Financial Disclosures

Our Services may include features that allow you to make payments (such as paying invoices or debts) or engage in other financial transactions through our website or portal. By initiating any payment through our site, you represent that you are an authorized user of the payment method (e.g., the bank account or card) and that you have the authority to initiate the transaction. You agree to provide accurate payment information and authorize us (and any third-party payment processors we utilize) to debit the specified account for the amount of the transaction. Once a payment is authorized and processed, it cannot be canceled via the online system, and you understand that payments may take several days to clear through banking networks. You are responsible for ensuring that sufficient funds are available in your account to complete any payment. If a payment is rejected or returned due to insufficient funds, incorrect account information, or any other error, you may be responsible for any fees or charges incurred as a result (including bank fees and any applicable late fees on the amount owed). We reserve the right to suspend access to the Services or take other appropriate action if payments owed to us are not timely received or if a payment is disputed or charged back.

Disclaimer – Payment Systems: While CFP strives to provide secure and reliable payment functionality, we are not liable for any errors, delays, fraudulent activities, or misdirected funds that may occur in the course of processing payments. Payment processing may be handled by third-party financial institutions or payment processors; CFP is not responsible for the actions or omissions of such third parties. Any issues or disputes regarding payment transactions (for example, suspected unauthorized transactions or processing errors) should be reported to us in writing within 30 days of the transaction so that we may attempt to assist in resolution. However, CFP does not guarantee the resolution of such issues to your satisfaction, and you may also need to work with your bank or payment provider to resolve disputes. You acknowledge that electronic payments involve inherent risks and that, to the fullest extent permitted by law, CFP disclaims liability for those risks beyond our direct control.

Financial Information and Advice: Any financial or business information provided on our website (such as articles, resources, calculators, or FAQs) is for general informational purposes only. You should not rely on any information on this site as personal business, financial, accounting, or legal advice for making decisions. While we strive to keep content accurate and up-to-date, CFP makes no warranty that any information (including interest rates, analyses, or recommendations) is completely accurate, reliable, or suitable for your specific situation. Advice received via our website or Services should not be relied upon for important personal or business decisions, and you should consult with a qualified professional appropriate to your circumstances for advice tailored to your needs. CFP shall not be responsible for any actions you take based on information obtained from our site. Any disclosures or calculations provided through our tools are for convenience and estimation only, and are not legally binding on CFP unless expressly confirmed in writing as part of a service transaction.

Disclaimer of Warranties

Use at Your Own Risk: The Services (including our website, client portal, and all Content) are provided on an “as is,” “as available” basis without warranties of any kind, except as expressly set forth in a separate written agreement. Your use of the site and Services is at your sole risk. To the maximum extent permitted by applicable law, CFP hereby disclaims all representations and warranties (express, implied, or statutory) regarding the Services. This includes, without limitation, any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or course of performance. We do not warrant that: (a) the Services will meet your requirements or expectations; (b) the operation of the Services will be uninterrupted, timely, secure, or error-free; or (c) any defects will be corrected, or that the site will be free of viruses or other harmful components. No advice or information, whether oral or written, obtained by you from CFP or through the Services shall create any warranty not expressly stated in these Terms.

No Guarantee of Accuracy or Availability: CFP does not guarantee the accuracy, completeness, or usefulness of any information on the site. Any material downloaded or otherwise obtained through the use of our Services is accessed at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results. We strive to maintain the availability of our Services, but we make no warranty that the Services will always be available or error-free, or that any particular content will be up-to-date or free from typographical or technical errors. The Content and Services may be updated, changed, suspended, or discontinued at any time without notice. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you to the extent prohibited by law. In such cases, our warranties are limited to the minimum scope permitted by law.

Limitation of Liability

Broad Limitation: To the fullest extent permitted by law, in no event shall CFP or its affiliates, officers, employees, agents, or licensors be liable for any indirect, special, incidental, consequential, or punitive damages whatsoever arising out of or in connection with your access to or use of (or inability to use) the Services or any Content, whether such claim is based in contract, tort, negligence, strict liability, or any other legal theory. This limitation of liability applies regardless of whether we have been advised of the possibility of such damages. Examples of damages disclaimed here include, without limitation: lost profits or revenues, loss of business or goodwill, loss of data, business interruption, or other intangible losses arising from the use or performance of the website, portal, or Services. CFP and its related parties shall not be liable for any claim, loss, or damage arising out of or in connection with the online or offline use of our website, portal, information, content, or materials included in the Services.

Cap on Liability: To the extent that any liability of CFP is not effectively disclaimed under applicable law, our aggregate liability to you for all claims arising from or related to the Services or these Terms will not exceed the greater of the total fees you have paid to CFP (if any) in the past six months for the specific Service at issue, or $50 USD. This monetary limitation is an essential basis of the bargain between you and us, and we would not be able to provide the Services without such a cap. You acknowledge that this limitation of liability is reasonable and reflects the allocation of risk between the parties.

Exceptions: Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation may not apply to you in certain situations. In such jurisdictions, CFP’s liability will be limited to the fullest extent permitted by law. Nothing in these Terms is intended to exclude or limit liability that cannot be excluded under applicable law (for example, certain liabilities under U.S. federal law or liability for intentional misconduct).

Sole Remedy: Your sole and exclusive remedy if you are dissatisfied with any aspect of the Services or these Terms is to stop using the Services. You agree that if you incur any damages, losses, or injuries that arise from CFP’s acts or omissions, such damages, if any, are not irreparable and are insufficient to entitle you to injunctive or other equitable relief; you will have no right to enjoin or restrain the development or operation of any Service, website, advertising, product, or other materials owned or controlled by CFP.

Indemnification

You agree to indemnify, defend, and hold harmless CFP, its affiliates, partners, and each of their respective officers, directors, employees, agents, and contractors (“Indemnified Parties”) from and against any and all liabilities, losses, damages, claims, and expenses (including reasonable attorneys’ fees) that arise out of or relate to your use or misuse of the Services, your violation of these Terms, or your violation of any rights of a third party. This indemnification obligation includes, but is not limited to: (a) claims arising from your breach of any provision of these Terms (including any claim that your User Submissions or other content you provided infringes or misappropriates the intellectual property or proprietary rights of any third party); (b) claims arising from your fraudulent, malicious, or unauthorized use of the site or Services (including any illegal conduct or misuse of the Services); (c) claims arising from your violation of any law, regulation, or industry standard in connection with your use of the Services.

CFP reserves the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (in which case you agree to cooperate with us in defending such matter). You agree not to settle any such matter without the prior written consent of CFP. Your indemnification obligations shall survive any termination of your use of the Services or these Terms.

Third-Party Links and Tools

Our website and portal may contain links to third-party websites or may integrate third-party tools, plugins, or services (“Third-Party Sites” or “Third-Party Tools”) for your convenience (for example, payment gateways, analytics widgets, or reference links). These Third-Party Sites and Tools are not under CFP’s control, and we are not responsible for their content, functionality, or any consequences of your use of them. Third-Party Sites may have their own terms of use and privacy policies that apply to you; those terms will govern your use of the third-party services, not these CFP Terms. CFP does not examine or warrant the accuracy, completeness, timeliness, or appropriateness of any information or content provided by Third-Party Sites, and we make no endorsement of any third-party content or offerings.

Disclaimer of Liability for Third-Party Services: CFP shall have no liability for any Third-Party Site’s failure to perform, nor for any errors or omissions in the information provided by third parties. We do not warrant that Third-Party Sites or tools will be free of viruses or other harmful components, and any use of third-party offerings is at your own risk. Any transactions, communications, or dealings between you and a third-party (including advertisers or vendors) found on or through our website are solely between you and that third party. CFP disclaims any and all liability for, or in connection with, any transaction, correspondence, or dispute that may arise between you and any third-party provider. If you have any concerns about a Third-Party Site or Tool linked to our Services, you should contact the third-party directly, as their terms and policies will dictate your rights and remedies.

Termination

Termination by CFP: We reserve the right to terminate or suspend your access to the website, client portal, or any of our Services at any time, with or without cause, and with or without notice. This includes the right to deactivate your account or block your use of the Services if, in our sole judgment, you violate any provision of these Terms or engage in any conduct that we believe is harmful to our interests or to other users. Termination may result in the forfeiture of any information associated with your account, and you will no longer be authorized to access the protected areas of the site or use the Services. CFP shall not be liable to you or any third party for any termination of your access to the Services.

Your Right to Terminate: You may terminate your use of the Services at any time by discontinuing access and use. If you wish to cancel an account, you may be able to do so through your account settings or by contacting us directly. Please note that if you are a client with a separate service agreement, the termination of access to the portal does not automatically terminate any contractual obligations you have under that agreement.

Effect of Termination: Upon any termination of these Terms or your access, the rights and licenses granted to you under these Terms will end immediately. You must cease all use of the Services and refrain from accessing the site. All provisions of these Terms which by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity obligations, and limitations of liability. Termination of your access or account will not relieve you of any obligation to pay any fees or charges accrued up to the date of termination (if applicable), and it will not prevent CFP from pursuing any remedies available to us for any breach or misconduct by you prior to termination.

Governing Law and Dispute Resolution

Governing Law: These Terms and any dispute arising out of or relating to the Services or your use of the website shall be governed by and construed in accordance with the laws of the United States and the laws of the State of Delaware, U.S.A., without regard to its conflict of law principles. If you access or use the Services from outside the United States, you are responsible for complying with local laws to the extent they apply. (Please note: by using the Services, you agree that U.S. export control laws and regulations also apply to your use, and you confirm that you are not located in a country that is subject to U.S. export restrictions, nor are you on any U.S. government list of prohibited or restricted parties.)

Jurisdiction and Venue: You agree that any claim or dispute arising out of or relating to these Terms or your use of the Services shall be brought exclusively in the state or federal courts located in Delaware. You expressly consent to the personal jurisdiction of those courts and waive any objections on the grounds of venue or inconvenient forum. This means that if you have a dispute with CFP, you will file your claim in a court located within the specified jurisdiction, and the laws of that jurisdiction will apply. Notwithstanding the foregoing, CFP reserves the right to seek injunctive or equitable relief in any court of competent jurisdiction to prevent any unauthorized use or abuse of our intellectual property or confidential information.

Dispute Resolution: Before initiating formal legal proceedings, we encourage you to contact us to discuss and hopefully resolve any issue. In our discretion, we may agree with you to seek to resolve disputes through mediation or arbitration. Unless otherwise agreed, however, any dispute that proceeds in court will be resolved by a judge (without a jury) or by a bench trial, as applicable. No class action or representative proceeding against CFP is permissible; you and CFP each waive any right to participate in a class action related to any dispute arising under these Terms, to the extent enforceable by law.

Changes to Terms

CFP reserves the right to modify or update these Terms of Use at any time, for any reason, and without prior notice to you. We will post any updated Terms on this website with a new “Last Updated” effective date. Such changes are effective immediately upon posting. We may, in our discretion, also notify registered users or clients of material changes (for example, via email or a notice on the portal), but it is ultimately your responsibility to review the Terms periodically for any updates. Your continued use of the website, client portal, or Services after revised Terms are posted constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must stop using the Services. No amendment or modification of these Terms will be binding unless posted by us as described above or expressly agreed in writing between you and CFP.

Contact Information

If you have any questions, concerns, or comments about these Terms or need to provide any notice to us, please contact CFP using the information below. You may reach us by email at support@capitalfoundationpartners.co. For example, notices of disputes, requests for information, or any alleged violations of these Terms should be directed to us in writing. We will endeavor to respond to inquiries or resolve any issues promptly.

Capital Foundation Partners
Email: support@capitalfoundationpartners.co
Phone: (984) 848-7227

Effective Date: These Terms of Use are effective as of [October 1, 2025] and supersede any prior terms of use for our Services. By using the Services, you acknowledge that you have read, understood, and agreed to these Terms in their entirety.