Terms & Conditions

1. Acceptance of Terms

These Terms & Conditions ("Terms") constitute a legally binding agreement between you and Monera Capital Group LLC ("Monera Capital," "we," "us," or "our"), a Florida limited liability company. By accessing or using our website at www.moneracapital.com (the "Website") or any products, services, or applications offered by or through Monera Capital, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use the Website or any of our products or services. If you are accessing or using the Website on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Description of Services

Monera Capital Group LLC is a B2B working capital financing company that provides funding solutions to small and medium-sized businesses in the United States. Our services may include, but are not limited to, revenue-based financing, working capital solutions, and short-term business funding (collectively, the "Services").

The Website provides general information about our company and Services. Information on the Website does not constitute an offer to lend, a commitment to fund, or a guarantee of approval. All funding is subject to our underwriting criteria, due diligence, and the execution of definitive agreements.

3. Eligibility

Our Services are available exclusively to business entities and their authorized representatives operating in the United States. By using the Website or applying, you represent that:

• You are at least 18 years of age
• You are an authorized representative of the business entity seeking funding
• The business entity is duly organized and in good standing under applicable law
• All information you provide is truthful, accurate, and complete

Monera Capital does not offer consumer lending products. Our Services are not intended for personal, family, or household purposes.

4. Account Registration and Security

Certain features may require you to create an account. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account. Notify us immediately of any unauthorized use. We may suspend or terminate your account at any time if we believe it has been compromised or you have violated these Terms.

5. Use of the Website

You agree to use the Website only for lawful purposes. You agree not to:

• Use the Website in violation of any applicable law or regulation
• Transmit defamatory, obscene, fraudulent, or objectionable material
• Attempt unauthorized access to any portion of the Website, other accounts, or connected systems
• Use automated means (robots, spiders, scrapers) to access the Website without prior written consent
• Introduce viruses, malware, or other harmful code
• Interfere with or disrupt the Website's integrity or performance
• Impersonate any person or entity
• Collect or harvest personal information of other users

6. Applications and Funding

By submitting an application, you authorize Monera Capital to verify your information, including obtaining credit reports, bank statements, and financial records from third-party sources. You acknowledge that:

• Submission does not guarantee approval or funding
• All funding decisions are at our sole discretion, subject to underwriting and due diligence
• Approved funding requires execution of a separate written agreement with specific terms
• In any conflict between these Terms and a funding agreement, the funding agreement controls

7. Electronic Communications Consent

By using the Website or providing contact information, you consent to receive electronic communications from Monera Capital including emails, text messages (subject to opt-in under our Privacy Policy), and website notices. You agree electronic communications satisfy any legal writing requirement.

8. Intellectual Property

The Website, its contents, features, functionality, and design are the property of Monera Capital Group LLC or its licensors, protected by U.S. and international copyright, trademark, and intellectual property laws. The Monera Capital name, logo, and related marks are our trademarks. You receive a limited, non-exclusive, non-transferable, revocable license to access and use the Website for its intended purpose. No reproduction, distribution, modification, or commercial exploitation without prior written consent.

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, MATERIALS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. MONERA CAPITAL DISCLAIMS ALL WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. MONERA CAPITAL DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MONERA CAPITAL GROUP LLC, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR SERVICES. MONERA CAPITAL'S TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

11. Indemnification

You agree to indemnify and hold harmless Monera Capital Group LLC and its officers, directors, members, employees, agents, and affiliates from claims, liabilities, damages, losses, costs, and expenses (including attorneys' fees) arising from: (a) your use of the Website or Services; (b) violation of these Terms; (c) violation of any law; or (d) any inaccurate, incomplete, or fraudulent information you provide.

12. Governing Law and Dispute Resolution

These Terms are governed by Florida law without regard to conflict of law provisions. Disputes shall be resolved exclusively in state or federal courts in Broward County, Florida. You consent to personal jurisdiction and venue in such courts.

13. Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY IRREVOCABLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF THESE TERMS OR USE OF THE WEBSITE OR SERVICES.

14. Third-Party Links

The Website may link to third-party sites not controlled by us. We assume no responsibility for third-party content, privacy policies, or practices.

15. Modifications to Terms

We may modify these Terms at any time. Changes take effect when the "Last Updated" date is revised. Continued use constitutes acceptance.

16. Severability

If any provision is held invalid, it shall be modified to the minimum extent necessary or severed. Remaining provisions remain in effect.

17. Entire Agreement

These Terms, our Privacy Policy , and any funding agreements constitute the entire agreement regarding Website use.

18. No Waiver

Failure to enforce any provision shall not constitute a waiver. Any waiver must be in writing and signed by Monera Capital.

19. Contact Information

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