1. Agreement to Terms

By accessing or using Defynance's services, websites, or applications ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use our Services.

2. Description of Services

Defynance provides financial technology services including:

• Income Share Agreement (ISA) management

• Investor portals and data rooms

• Career development tools (GROW)

• Related financial services

3. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our Services. By using our Services, you represent that you meet these requirements.

4. Account Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information

• Maintain the security of your password and account

• Notify us immediately of any unauthorized access

• Accept responsibility for all activities under your account

5. Acceptable Use

You agree not to:

• Violate any applicable laws or regulations

• Infringe on intellectual property rights

• Transmit harmful code or malware

• Attempt unauthorized access to our systems

• Use the Services for fraudulent purposes

• Interfere with other users' access to the Services

6. Financial Services Disclaimer

Defynance provides technology platforms and tools. We are not a bank, investment advisor, or broker-dealer unless explicitly stated. Any financial products offered through our platform are subject to their own terms and disclosures.

7. Intellectual Property

All content, features, and functionality of our Services are owned by Defynance and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

8. Privacy

Your use of our Services is also governed by our Privacy Policy at https://defynance.com/refinancing/privacy

9. Termination

We may suspend or terminate your access to our Services at any time, with or without cause, with or without notice. Upon termination, your right to use the Services will immediately cease.

10. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEFYNANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES.

12. Indemnification

You agree to indemnify and hold Defynance harmless from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

13. Governing Law

These Terms shall be governed by the laws of the state of Delaware in the United States, without regard to conflict of law principles.

14. Changes to Terms

We may modify these Terms at any time. Continued use of the Services after changes constitutes acceptance of the modified Terms.

15. Contact

For questions about these Terms, contact us at:

• Email:  [email protected]

• Mailing Address:  2780 East Fowler Ave, Suite 167, Tampa, FL 33612