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GENERAL TERMS AND CONDITIONS

These General Terms and Conditions (the "Terms and Conditions") form part of and govern the Service Agreement (the "Agreement") between Zero Cap Funding, including its affiliates (the "Company" or "Consulting Firm"), and the person or entity identified as the "Client" in the Agreement. By signing the Agreement and/or receiving services from Zero Cap Funding, the Client agrees to be bound by these Terms and Conditions.

1. Definitions

1.1 Affiliate – Any entity under common control with, controlling, or controlled by Zero Cap Funding or the Client.

1.2 Confidential Information – Any non-public information shared by one party to the other, including but not limited to business strategies, trade secrets, client lists, methodologies, or financial information.

1.3 Intellectual Property (IP) – All methods, tools, training materials, processes, software, trademarks, and proprietary content owned or licensed by Zero Cap Funding, including any adaptations or derivative works.

1.4 Services – Consulting, training, and related deliverables offered by Zero Cap Funding under the Agreement, including but not limited to the Business Credit Blueprint Program.

1.5 Client Obligations – Duties and responsibilities the Client must fulfill under the Agreement and these Terms and Conditions.

1.6 Programs – Proprietary training, consulting, and funding solutions provided by Zero Cap Funding.

1.7 Applicable Laws – All relevant federal, state, and local laws, including Nevada law, the Fair Credit Reporting Act (FCRA), and other U.S. regulations.

1.8 Personal Information – Any data from the Client that falls under applicable privacy laws, such as personally identifiable information (PII) and financial records.

2. Scope of Services

2.1 Description of Services – Zero Cap Funding agrees to provide consulting, training, and related services as outlined in the Agreement, which may include:

  • One-on-one consulting with a Funding Supervisor.
  • Access to proprietary materials, tools, and resources.
  • Step-by-step guidance for business funding applications.

2.2 Limitations of Services – Zero Cap Funding does not guarantee any specific approval amount, funding outcome, or timeline. Results depend on the Client's compliance and active participation.

2.3 Service Modifications – Zero Cap Funding reserves the right to update, adjust, or discontinue parts of the Services, provided such changes do not substantially reduce the Client's rights under the Agreement.

2.4 Third-Party Services – Zero Cap Funding may work with outside service providers. The Client acknowledges that the Company is not liable for the acts or omissions of third parties.

2.5 Support Packages – Services are offered in tiered packages:

  • Business Credit Blueprint (Basic Package): One-on-one support continues until the Client secures up to $100,000 in 0% interest business credit approvals. Upon reaching that milestone, services are deemed fully delivered, with no further obligations.
  • Unlimited Business Credit Blueprint: Provides the same one-on-one support until $100,000 is achieved, after which additional support is offered primarily via email. Clients may request updated Funding Action Plans for as long as the program remains active.

3. Fees and Payment Terms

3.1 Program Fee – The Client agrees to pay the full program fee outlined in the Agreement. Fees are non-refundable except as provided in Section 4.

3.2 Payment Methods – Payments must be made in the form specified in the Agreement.

3.3 Collection Costs – Any overdue payments will require the Client to cover associated collection costs, including attorney and agency fees.

4. Refund Policy

4.1 Eligibility – Refunds are only considered if the Client:

  • Follows all directions provided by the Funding Supervisor.
  • Applies to every institution listed in their Funding Action Plan.
  • Receives no approvals despite full compliance.

4.2 Review Process – Refund requests must be submitted in writing. Zero Cap Funding will review within seven (7) business days, and approved refunds will be processed within the following seven (7) business days.

4.3 Exclusions – Refunds will not be issued if the Client fails to comply with requirements or disputes charges through their bank or financial institution.

5. Right to Cancel (Cooling-Off Period)

The Client may cancel their purchase up to midnight of the third business day after receiving the Agreement or program access, whichever is later.

After this period, all sales are final.

Cancellations must be in writing and submitted either by mail to:

Zero Cap Funding, a brand of ART BOX LLC, 30 North Gould Street, Sheridan, WY 82801, United States

or by email to: info@zerocapfunding.com

6. Complaints & Dispute Escalation

The Client must first notify Zero Cap Funding in writing regarding any concerns before initiating refund requests, chargebacks, or legal action. The Company will respond within ten (10) business days.

7. Intellectual Property

All training materials, tools, guides, and deliverables remain proprietary. The Client may not copy, distribute, or reverse engineer them without written approval.

8. Updates to Terms

Zero Cap Funding may update these Terms and Conditions at any time. Notice will be provided for significant changes. Continued use of services constitutes acceptance.

9. Breach of Agreement

A breach includes but is not limited to:

  • Non-payment of fees.
  • Unauthorized use or sharing of proprietary materials.
  • Violation of confidentiality terms.

Zero Cap Funding may immediately terminate services upon breach, while still pursuing outstanding payments and legal remedies.

10. Ownership of Intellectual Property

All intellectual property created during the delivery of services remains the sole property of Zero Cap Funding. The Client agrees to assist in confirming the Company's ownership rights if necessary.

11. Survival of Terms

Clauses related to confidentiality, IP rights, indemnification, dispute resolution, non-solicitation, and non-disparagement shall survive the end of this Agreement.

12. Dispute Resolution

12.1 Governing Law – This Agreement is governed by the laws of Nevada.

12.2 Dispute Process – Any disputes will first be mediated. If unresolved, disputes will be submitted to binding arbitration in Nevada.

13. Termination

13.1 By Zero Cap Funding – Services may be terminated for non-payment, breach, or misconduct.

13.2 Effect of Termination – Upon termination, all rights granted to the Client cease, while outstanding obligations remain enforceable.

14. Miscellaneous

14.1 Amendments – Any modifications must be in writing and signed by both parties.

14.2 Notices – All official communications must be sent to info@zerocapfunding.com.

14.3 Entire Agreement – These Terms, together with the signed Agreement, represent the full and complete understanding between the parties and override all prior arrangements.

15. SMS & Text Messaging Programme

15.1 What we send – Zero Cap Funding (ART BOX LLC) sends text messages relating to calls you book with us: confirmation of the booking, reminders before it, and notice of any change or cancellation. We do not send marketing or promotional texts under this programme.

15.2 How you opt in – Consent is given either by ticking the consent box next to the phone field on our booking page, or verbally during a call with us, in which case we record the consent together with the date and the person who took it. A phone number on its own is never treated as consent.

15.3 Frequency – Message frequency varies, typically 1 to 3 messages per booking.

15.4 Cost – Message and data rates may apply. We do not charge for the messages themselves.

15.5 Opting out – Reply STOP to any message to stop receiving them. Reply HELP for help, or write to info@zerocapfunding.com and we will remove your number.

15.6 Carriers – Carriers are not liable for delayed or undelivered messages.

15.7 Data – Mobile information and consent records are never shared with third parties or affiliates for marketing or promotional purposes, and opt-in data is never shared with any third party. They are shared only with the messaging provider that transmits the messages on our behalf.