Legal

Terms and Conditions

Revised: June 5, 2026

1

Introduction

These Terms and Conditions ("Terms") govern your access to and use of the byzcap.com website (the "Site") and any services or communications provided through it, including email and text-messaging communications from ByzCap. By using the Site or our services you agree to these Terms. If you do not agree, do not use the Site or our services.

2

Using our website

You must be at least 18 years old to access the Site or use our services. You agree to use the Site only for lawful purposes and to comply with all applicable laws and regulations. You will not use the Site or any communication channel offered through it for any unlawful, fraudulent, or unauthorized purpose, and you will not interfere with the security or integrity of the Site.

We may modify, suspend, or discontinue any part of the Site or our services at any time, with or without notice. We are not responsible for losses or other consequences resulting from changes to the Site, from any reliance you place on information made available through it, or from any use of information you provide.

3

Intellectual property

The Site and all of its content — including text, design, logos, marks, graphics, photographs, software, and other materials — are owned by ByzCap or its licensors and are protected by copyright, trademark, and other laws. You may not copy, reproduce, republish, distribute, modify, create derivative works of, publicly display, or otherwise exploit any of our content without our prior written permission.

4

Privacy

Our collection, use, and sharing of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference. We do not sell personal information, and we take reasonable measures to safeguard the data you provide. By using the Site, you acknowledge and agree to the practices described in the Privacy Policy.

5

No guarantees

Information presented on the Site — including rates, ranges, timelines, eligibility criteria, industry references, and general descriptions of our services — is provided for general informational purposes only and does not constitute an offer or commitment to lend. We do not guarantee that any information on the Site is complete, current, or accurate. All funding is subject to underwriting review, verification of submitted information, and the execution of definitive documents. We are not responsible for any loss or claim arising out of reliance on information made available through the Site.

6

Other websites

The Site may contain links to third-party websites or services that we do not operate or control. We are not responsible for the content, accuracy, privacy practices, or availability of any third-party site, and the inclusion of any link does not imply our endorsement. You access third-party sites at your own risk and subject to those sites' own terms and policies.

7

Limitation of liability

To the maximum extent permitted by applicable law, ByzCap, its affiliates, and its respective officers, directors, employees, and agents will not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, business interruption, or loss of goodwill, arising out of or relating to your use of, or inability to use, the Site or our services — whether based in contract, tort, statute, or any other legal theory and whether or not we have been advised of the possibility of such damages.

8

Your responsibility to protect us

You agree to indemnify, defend, and hold harmless ByzCap and its affiliates, officers, directors, employees, and agents from and against any claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Site or our services, (b) your violation of these Terms, (c) your violation of any law or the rights of any third party, or (d) any information you submit through the Site.

9

Laws and disputes

These Terms and any dispute or claim arising out of or in connection with them or their subject matter are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict-of-laws principles. You agree that any action, suit, or proceeding arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in New York County, New York, and you submit to the personal jurisdiction of those courts.

10

Changes to these Terms

We may revise these Terms at any time by posting an updated version on this page with a new "Revised" date. Material changes will take effect when posted, and your continued use of the Site after that date constitutes your acceptance of the updated Terms. We encourage you to review this page from time to time.

11

Contact

These Terms are provided for general informational purposes and are not legal advice. ByzCap may update them at any time; material updates will be posted here with a new "Revised" date.