Terms & Conditions

1. Acceptance of Terms

By accessing or using the Brickline Capital website at brickline-capital.com (the "Site"), submitting a funding application, or engaging with any of our services, you agree to be bound by these Terms & Conditions ("Terms"), our Privacy Policy, and any additional terms applicable to specific services or programs.

If you do not agree to these Terms, you must not access or use our Site or services. These Terms constitute a legally binding agreement between you and Brickline Capital, a company organized under the laws of the State of New York (EIN: 392874015), with offices at 829 East 15th St, Floor 1, Brooklyn, NY 11230.

By using this Site, you represent that you are at least 18 years of age and have the legal authority to enter into this agreement on behalf of yourself and any business entity you represent.

2. Description of Services

Brickline Capital is a direct business lender offering a range of commercial financing products and services to qualifying businesses. Our current product offerings include, but are not limited to:

• Working Capital Loans
• Revenue-Based Financing
• Equipment Financing
• Business Lines of Credit
• Invoice Financing
• Commercial Real Estate Loans

All products and services described on this Site are subject to credit approval, underwriting review, and eligibility requirements. The availability of specific products may vary. Brickline Capital reserves the right to modify, suspend, or discontinue any product or service at any time without prior notice.

Nothing on this Site constitutes a commitment or guarantee to provide financing. All lending decisions are made at the sole discretion of Brickline Capital based on our internal underwriting criteria.

3. Eligibility

To be eligible for Brickline Capital's financial products and to use our services, you must:

• Be at least 18 years of age
• Be a legal resident or authorized representative of a business entity registered in the United States
• Have the legal authority to bind the business to financial agreements
• Provide accurate, complete, and current information in all applications and communications
• Not be engaged in any business activity prohibited by applicable law or Brickline Capital's internal policies

Brickline Capital reserves the right to decline any application or terminate any account for any reason, including failure to meet eligibility requirements, provision of false information, or activities that violate these Terms or applicable law.

4. SMS Terms & Conditions

This section governs your participation in Brickline Capital's SMS/MMS text message program. By opting in to receive SMS/MMS messages from Brickline Capital, you agree to the following terms.

Privacy of SMS Opt-In Data

Text messaging originator opt-in data and consent information collected through the Brickline Capital SMS program will not be shared with any third parties for any purpose. For full details on how we handle your personal information, including SMS opt-in data, please review our Privacy Policy.

5. Application & Lending Terms

By submitting a funding application through Brickline Capital, you acknowledge and agree to the following:

• Accuracy of Information: All information provided in your application is true, complete, and accurate to the best of your knowledge. You understand that providing false or misleading information may result in immediate disqualification, termination of any funding agreement, and potential legal consequences.
• Credit Authorization: You authorize Brickline Capital to obtain and review credit reports, business information, and other relevant data as part of our underwriting process. An initial soft inquiry does not affect your credit score; a formal application may require a hard credit inquiry with your consent.
• No Commitment: Submission of an application does not constitute a commitment by Brickline Capital to provide financing. All offers are subject to our underwriting process, verification of information, and final approval.
• Offer Validity: Any funding offer made by Brickline Capital is valid only for the period specified in the offer. Offers may be rescinded if material changes to your business or financial condition occur before funding.
• Loan Agreements: The specific terms of any funding arrangement, including interest rates, fees, repayment terms, and other conditions, will be set forth in a separate written agreement signed by both parties before any funds are disbursed.

6. Website Use & Intellectual Property

The content, design, graphics, text, and other materials on this Site are the property of Brickline Capital or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from this Site without our prior written permission.

You are granted a limited, non-exclusive, non-transferable license to access and use this Site for the purpose of exploring our products and services and submitting applications. This license does not include the right to scrape, crawl, or aggregate Site content, or to use the Site for any commercial purpose other than applying for our services.

You agree not to use this Site in any manner that could damage, disable, overburden, or impair the Site, or interfere with any other party's use of the Site.

7. Disclaimers & Limitation of Liability

AS IS BASIS: This Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Not Financial Advice: Content on this Site is for informational purposes only and does not constitute financial, investment, legal, or tax advice. You should consult qualified professionals before making any financial decisions.

Limitation of Liability: To the maximum extent permitted by applicable law, Brickline Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of this Site or our services, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of or related to these Terms or our services shall not exceed the amount actually paid by you to Brickline Capital in the three months preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.

8. Indemnification

You agree to indemnify, defend, and hold harmless Brickline Capital and its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of our Site or services; (b) your violation of these Terms; (c) any information you provide to us; (d) your violation of any applicable law or regulation; or (e) your infringement of any third-party right.

9. Governing Law & Dispute Resolution

These Terms shall be 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, claim, or controversy arising out of or relating to these Terms or your use of our services that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in Brooklyn, New York. The arbitrator's decision shall be final and binding, and judgment may be entered thereon in any court of competent jurisdiction.

You agree that any dispute resolution proceedings will be conducted on an individual basis only, and not in a class, consolidated, or representative action. If this waiver is found to be unenforceable, then the arbitration provision shall be null and void.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

10. Changes to These Terms

Brickline Capital reserves the right to modify these Terms at any time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Continued use of our Site or services after any changes constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically. If you do not agree to the updated Terms, you must discontinue use of our Site and services.

11. Contact Information

For questions about these Terms & Conditions, or for SMS program assistance, please contact:

• Company: Brickline Capital
• Contact: Solomon Kamagi
• Email: solomon@brickline-capital.com
• Address: 829 East 15th St, Floor 1, Brooklyn, NY 11230
• EIN: 392874015

For SMS Help: Reply HELP to any text message, or email solomon@brickline-capital.com.
For SMS Opt-Out: Reply STOP to any text message from Brickline Capital.