Terms of Use

Last updated: [DATE]

These Terms of Use ("Terms") govern your access to and use of the website of Ridgewood Capital USA ("Ridgewood," "we," "us," or "our"). By using this website, you agree to these Terms. If you do not agree, do not use the site.

1. Commercial Purpose Only

All financing products described on this website — including secured lines of credit and commercial loans — are offered exclusively for business and commercial purposes. We do not offer consumer credit, and nothing on this site is directed to individuals seeking financing for personal, family, or household purposes.

2. No Offer or Commitment to Lend

The content of this website is for general informational purposes only. Nothing on this site constitutes an offer, commitment, or agreement to extend credit. All financing is subject to a completed application, underwriting, due diligence, credit approval, and execution of definitive documentation. Ridgewood may decline any application in its sole discretion.

3. Rates, Terms, and Availability

Any rates, line sizes, terms, or structures described on this site are indicative only, are subject to change without notice, and will vary based on the applicant's financial condition, collateral, industry, and other underwriting factors. Products may not be available in all jurisdictions.

4. Credit Authorization and FCRA

By submitting an application, the applicant authorizes Ridgewood to obtain business credit reports and to verify information provided. Where the personal credit of a principal or guarantor is required, a consumer report will be obtained only with that individual's prior written authorization, in accordance with the Fair Credit Reporting Act (FCRA). Any adverse action notices required by applicable law will be provided.

5. Accuracy of Information Submitted

You represent that all information submitted to us in connection with an inquiry or application is true, accurate, and complete. Submitting false or misleading information to obtain credit may violate federal and state law.

6. Intellectual Property

All content on this website, including text, layout, logos, and graphics, is the property of Ridgewood or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

7. Prohibited Use

You agree not to use this website to transmit unlawful, fraudulent, or harmful material; to interfere with the operation of the site; or to attempt to gain unauthorized access to any systems or data.

8. Third-Party Links

This site may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites, and a link does not imply endorsement.

9. Disclaimer of Warranties

This website and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, Ridgewood and its officers, employees, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of this website, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold Ridgewood harmless from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of this website or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any dispute arising under these Terms shall be brought exclusively in the state or federal courts located in New York County, New York.

13. Changes to These Terms

We may revise these Terms at any time by posting an updated version on this page. Your continued use of the site after changes are posted constitutes acceptance of the revised Terms.

14. Contact

Ridgewood Capital USA
Wall Street
New York, NY
Email: info@ridgewoodfunding.com