Terms and Conditions

Last Updated: February 2026

IMPORTANT: Please read these Terms and Conditions ("Terms") carefully before accessing or using HG FUNDING's website and services. By accessing our website at hg-funding.com and using our financial services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. If you do not agree with any part of these Terms, you must not use our website or services.

1. Introduction and Acceptance

These Terms and Conditions constitute a legally binding agreement between you (the "User" or "Client") and HG FUNDING ("Company," "we," "us," "our"). These Terms govern your access to and use of our website, including all content, functionality, and services offered through hg-funding.com (the "Site") and all related financial advisory and capital solutions services (the "Services").

By accessing our Site and Services, you agree to:

• Be bound by these Terms in their entirety
• Comply with all applicable laws and regulations
• Use our Services only for lawful purposes
• Accept our Privacy Policy and data handling practices
• Assume all risks associated with using our Services

We reserve the right to modify these Terms at any time. Continued use of our Site and Services after changes constitute acceptance of the revised Terms.

2. Company Information and Registration

HG FUNDING is a financial services company registered in New York, USA, operating from:

934 Avenue S
Brooklyn, NY 11223
United States

For inquiries, you may contact us at:

Email: info@hg-funding.com
Website: hg-funding.com

3. Description of Services

HG FUNDING provides comprehensive financial services including:

• Capital Solutions: Capital sourcing, deployment, and management for businesses and investors
• Investment Management: Strategic portfolio management and investment advisory
• Business Financing: Project financing, working capital, acquisition financing, and growth capital solutions
• Financial Planning & Advisory: Personalized wealth strategy and financial planning
• Strategic Financial Analysis: Market analysis, due diligence, and financial modeling
• Risk Management & Compliance: Risk assessment, regulatory compliance, and protection strategies

The scope, availability, and features of our Services are subject to change at our sole discretion. We are not responsible for any impacts resulting from modifications to our Services.

4. Eligibility and Account Requirements

You represent and warrant that:

• You are at least 18 years of age
• You have the legal authority to enter into these Terms
• You are not prohibited by law from using our Services
• All information you provide is accurate, truthful, and current
• You will maintain the confidentiality of your account credentials
• You are responsible for all activities under your account

We may verify your identity and financial information for regulatory compliance. We reserve the right to deny or suspend service to anyone who does not meet our eligibility requirements or who violates these Terms.

5. User Conduct and Restrictions

You agree that you will not:

• Use our Services for any illegal, fraudulent, or unauthorized purposes
• Provide false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems or data
• Interfere with or disrupt the functionality of our Site or Services
• Harass, threaten, or abuse our staff or other users
• Engage in any form of fraud, money laundering, or suspicious financial activity
• Violate any applicable laws, regulations, or third-party rights
• Use automated tools, bots, or scraping techniques on our Site
• Reverse engineer, disassemble, or attempt to access the underlying code of our systems
• Share your account credentials with unauthorized individuals

6. Investment Disclaimers and Risk Disclosure

6.1 Investment Risk

All investments involve risk, including potential loss of principal. Past performance does not guarantee future results. The value of investments can fluctuate significantly based on market conditions, economic factors, and other variables.

6.2 No Guarantee of Returns

HG FUNDING does not guarantee investment returns, profit, or protection against loss. Investment recommendations are based on analysis and professional judgment, but are not guaranteed to be profitable or successful.

6.3 Individual Assessment Required

Our Services are provided to assist with financial decision-making. However, you acknowledge that:

• We do not provide tax, legal, or accounting advice
• You should consult with qualified professionals before making investment decisions
• You are responsible for your own financial decisions
• You assume all risks associated with your investments

6.4 Market Volatility

Financial markets are subject to volatility and rapid change. Market conditions may affect investment performance and your financial results. We are not responsible for losses resulting from market conditions beyond our control.

7. Intellectual Property Rights

All content on our Site, including text, graphics, logos, images, software, and designs, is the intellectual property of HG FUNDING or our licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and view our content for personal, non-commercial purposes. You may not:

• Reproduce, distribute, or transmit any content without permission
• Create derivative works based on our content
• Remove or alter any intellectual property notices
• Use our content for commercial purposes
• Claim ownership of our intellectual property

Unauthorized use of our intellectual property may result in legal action and liability for damages.

8. SMS and Electronic Communications Terms

By providing your mobile phone number and opting in, you authorize HG FUNDING to send you SMS and text messages for:

• Account and transaction notifications
• Portfolio updates and market alerts
• Service announcements and updates
• Promotional and marketing communications (if you opted in)
• Customer support and assistance

Message Frequency: Variable, depending on your account activity and service usage.

Carrier Charges: Standard message and data rates apply according to your mobile carrier's plan. HG FUNDING is not responsible for carrier charges.

Opting Out: Reply STOP to any message to unsubscribe from SMS communications. For assistance, reply HELP. Your request will be processed within a reasonable timeframe.

Important: SMS consent is not a condition of purchase or service provision. You can receive services without opting into SMS communications.

9. Privacy and Data Protection

Your use of our Services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our Services, you consent to our collection and use of information as described in the Privacy Policy.

We comply with applicable data protection laws and implement industry-standard security measures. However, no online transmission is completely secure, and we cannot guarantee absolute security of your information.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

HG FUNDING shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Loss of use or goodwill
• Damages arising from your investment decisions or financial losses
• Interruption, delays, or errors in our Services
• Unauthorized access to your account or information
• Third-party actions or conduct

This limitation applies regardless of the cause of action (contract, tort, negligence) or theory of liability, even if HG FUNDING has been advised of the possibility of such damages.

11. Disclaimer of Warranties

OUR SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

We make no warranties, express or implied, regarding:

• The accuracy, completeness, or reliability of our Site or Services
• The timeliness or performance of our Services
• The security or uninterrupted access to our Systems
• Freedom from viruses, malware, or harmful code
• Merchantability, fitness for a particular purpose, or non-infringement

We disclaim all warranties, whether stated or implied. Your use of our Services is at your own risk.

12. Indemnification

You agree to indemnify, defend, and hold harmless HG FUNDING, its officers, directors, employees, agents, and licensors from any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our Site or Services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your investment decisions or financial losses
• Your breach of any representation or warranty
• Third-party claims arising from your conduct

13. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York, USA, without regard to its conflict of laws principles.

You irrevocably submit to the exclusive jurisdiction of the courts located in Brooklyn, New York, for the resolution of any disputes arising out of or related to these Terms and your use of our Services.

You waive any objection to venue and any claim of inconvenient forum.

14. Dispute Resolution

Any dispute arising out of or related to these Terms or our Services shall be resolved as follows:

• Negotiation: Parties will attempt to resolve disputes through good-faith negotiation
• Mediation: If negotiation fails, either party may request mediation
• Arbitration: If mediation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA)

Each party bears its own costs and attorneys' fees unless otherwise determined by the arbitrator or court.

15. Termination of Service

HG FUNDING reserves the right to suspend or terminate your access to our Services at any time, with or without cause, and with or without notice, if:

• You violate these Terms or our policies
• You engage in fraudulent or illegal activity
• You fail to provide required information or documentation
• We determine that your account poses a risk to our business or other users
• We cease offering certain services

Upon termination, you will lose access to your account and our Services. We may retain your information as required by law.

16. Modification of Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to you via email or prominent notice on our Site. Your continued use of our Services after such changes constitutes acceptance of the revised Terms.

We recommend reviewing these Terms periodically for updates.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

18. Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and HG FUNDING regarding your use of our Site and Services. They supersede all prior or contemporaneous agreements, understandings, and communications.

19. Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by HG FUNDING.

20. Assignment

You may not assign or transfer these Terms or your rights or obligations hereunder without HG FUNDING's prior written consent. HG FUNDING may assign its rights and obligations at any time without notice to you.

21. Contact and Support

If you have questions or concerns regarding these Terms and Conditions, or if you need to report a violation, please contact us:

HG FUNDING
1905 East 16th Street
Brooklyn, NY 11229
USA

Email: info@hg-funding.com
Website: hg-funding.com

We are committed to resolving any concerns within a reasonable timeframe.