Terms & Conditions

This website (including all sub-sites) is operated by Riverwood Group LLC or a subsidiary or affiliate thereof (collectively, “Riverwood Group LLC,” “we,” or “us”). By accessing an Riverwood Group LLC website, mobile application, interface, or platform (collectively, “Site” or “Sites”) that links to this Terms of Use Agreement (the “Terms of Use” or “Agreement”), you agree to abide by this Agreement and by our Privacy Policy (which is hereby incorporated by reference).

These Terms of Use govern your access to and use of the Sites and any of the tools, features, functionality, services, or products offered on or through the Sites, including:

• Access to information and data
• Use of any web portal, customer account, or sales partner account
• Submitting applications and/or providing information for qualification for financing or other services
• Subscription to blogs, newsletters, and similar content
• Participation in any public areas on the Sites

Certain services offered through the Sites, such as business financing applications, are subject to separate agreements. If there is a conflict between these Terms of Use and a transaction-specific agreement, the transaction-specific agreement will govern.

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‍1. USE OF SITESYou may access and use the Sites only in accordance with these Terms of Use. By doing so, you agree to:

• Use the Sites for lawful purposes only
• Provide truthful, accurate, and complete information
• Update your account details as necessary
• Keep your login credentials secure

Riverwood Group LLC reserves the right to restrict or terminate access to the Sites at any time, with or without notice, for any reason.

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‍2. PROHIBITED USESYou agree not to:

• Use the Sites in any way that violates any federal, state, or local laws
• Impersonate any person or entity or misrepresent your affiliation with a business
• Interfere with or disrupt the functionality of the Sites
• Attempt to gain unauthorized access to other users’ accounts
• Post or transmit viruses, malware, or any harmful code
• Engage in spamming, phishing, or fraudulent activities
• Post or share misleading, defamatory, or unlawful content

Violating these prohibitions may result in immediate termination of your access to the Sites and potential legal action.3. ACCOUNT SECURITYEach user is responsible for safeguarding their account login credentials. You should:

• Use a strong and unique password
• Never share your credentials with anyone
• Notify Riverwood Group LLC immediately if you suspect unauthorized access

Riverwood Group LLC is not liable for unauthorized access resulting from your failure to maintain proper account security.

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‍4. OWNERSHIP OF SITE CONTENTAll content on the Sites, including text, logos, graphics, images, videos, software, and trademarks, is owned by or licensed to Riverwood Group LLC and is protected by copyright, trademark, and intellectual property laws.You may not:

• Copy, modify, distribute, or sell any content from the Sites without prior written consent
• Use our logos, trademarks, or branding in any way that suggests an endorsement without authorization

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5. DISCLAIMER OF WARRANTIESThe Sites and their content are provided "as is" and "as available", without warranties of any kind. Riverwood Group LLC makes no guarantees regarding:

• The accuracy or reliability of the information on the Sites
• Continuous, uninterrupted, or error-free operation of the Sites
• The security of any data transmitted to or from the Sites

To the fullest extent permitted by law, Riverwood Group LLC disclaims all warranties, whether express or implied.

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‍6. LIMITATION OF LIABILITY Riverwood Group LLC shall not be liable for:

• Any direct, indirect, incidental, or consequential damages arising from your use of the Sites
• Business losses, lost profits, or data breaches resulting from unauthorized access
• Any delays or errors in site performance

Your sole remedy for dissatisfaction with the Sites is to stop using them.

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‍7. INDEMNIFICATIONYou agree to defend, indemnify, and hold harmless Riverwood Group LLC, its affiliates, employees, and partners from any claims, losses, liabilities, or expenses arising from:

• Your use of the Sites
• Your violation of these Terms of Use
• Any content or information you submit through the Sites

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8. THIRD-PARTY LINKS & SERVICES

‍The Sites may contain links to third-party websites or services. Riverwood Group LLC does not endorse or control these third-party sites and is not responsible for their content, privacy policies, or business practices. Your use of third-party services is at your own risk.9. MODIFICATIONS TO TERMS OF USEWe may update these Terms of Use at any time. If changes are significant, we will provide notice (e.g., via email or a prominent website banner). Your continued use of the Sites after updates constitutes acceptance of the revised terms. 10. GOVERNING LAW & DISPUTE RESOLUTIONThese Terms of Use shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms shall be resolved through:

1. Informal negotiation (attempting to resolve the issue amicably)
2. Binding arbitration (if negotiation fails), unless prohibited by applicable law

You agree to waive any right to a jury trial or class action lawsuit regarding any dispute with Riverwood Group LLC.

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‍11. TERMINATION Riverwood Group LLC reserves the right to suspend or terminate your access to the Sites at any time, for any reason, without prior notice.Reasons for termination may include:

• Breach of these Terms of Use
• Fraudulent activity or misrepresentation
• Abuse or misuse of our services

Upon termination, you must immediately discontinue use of the Sites.

‍12. CONTACT INFORMATIONIf you have questions about these Terms of Use, please contact us:

📧 Email: info@RiverwoodGroupLLC.com

Call: ⁦+1 201-279-5292

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