Terms of Service

Acceptance and Binding Agreement

By accessing the SLG Advisers website (www.slgadvisers.com), purchasing any service, submitting any intake form, uploading any documents, or otherwise engaging with SLG in any manner, you affirmatively acknowledge that:

• You have read, understood, and agree to be bound by these Terms;
• You are at least eighteen (18) years of age and have the legal capacity to enter into a binding contract;
• If you are acting on behalf of a business entity, you have the authority to bind that entity to these Terms;
• You agree to comply with all applicable federal, state, and local laws and regulations in connection with your use of our services.

These Terms, together with our Privacy Policy and any service-specific terms presented at checkout, constitute the entire agreement between you and SLG. If any portion is unclear, you are responsible for seeking clarification before purchasing services.

Definitions

For purposes of these Terms, the following capitalized terms have the meanings set forth below:

• "Services" means any analysis, report, advisory engagement, consultation, video walkthrough, or other deliverable provided by SLG to Client, including the Capital Readiness Snapshot and the Capital Readiness Full Report.
• "Reports" means any written, electronic, or video deliverable produced by SLG for Client, including but not limited to capital readiness analyses, banker memos, client memos, denial reviews, improvement roadmaps, and any accompanying documentation.
• "Client Information" means all financial documents, business records, tax returns, bank statements, debt schedules, credit reports, denial letters, and any other materials submitted by Client to SLG in connection with the Services.
• "Confidential Information" means any non-public information disclosed by one party to the other in connection with the Services, including Client Information, SLG's analytical methodologies, proprietary frameworks, and pricing structures.
• "Lender" means any bank, credit union, SBA-approved lender, commercial lender, alternative lender, broker, financial institution, or other party from which Client may seek financing.
• "Approval Confidence Score" or "ACS" means SLG's proprietary 0-100 composite metric derived from the 5C Framework, including but not limited to the weighting methodology described in our reports.

Scope of Services

SLG provides capital readiness advisory services to small business owners and self-employed individuals. Our Services are strictly limited to the production of analytical reports, written assessments, video walkthroughs, and educational guidance regarding how lenders typically evaluate a borrower's financial profile.

3.1 What Our Services Include

Depending on the specific Service purchased, our deliverables may include:

• Adjusted cash flow analysis using documented add-backs that commercial lenders typically accept;
• Debt Service Coverage Ratio (DSCR) and Payment-to-Income (PTI) calculations;
• Global cash flow analysis stacking business and personal income sources;
• 5C Framework assessments (Character, Capacity, Capital, Collateral, Conditions);
• Stress test scenarios modeling rate increases and revenue declines;
• Industry condition analysis and competitive position assessment;
• Priority-ranked improvement roadmaps with 30, 60, and 90-day milestones, along with honest assessment of items requiring longer timelines;
• Banker-ready memos and plain-language client memos;
• Decoding of adverse action letters and denial reasoning, where included in the Service purchased;
• General recommendations on categories of lenders that may suit Client's profile (never specific institutions).

3.2 Scope is Strictly Limited to What Is Purchased

Each Service has a specific, documented scope at the time of purchase. SLG is not obligated to provide any analysis, advice, or deliverable beyond the documented scope of the Service Client has paid for. Additional work requires a separate engagement and additional payment.

3.3 Educational and Analytical Nature

All Reports and Services are educational and analytical in nature. They do not constitute loan applications, loan commitments, loan approvals, legal advice, tax advice, accounting services, financial planning, investment advice, or any regulated professional service.

3.4 Use of Technology and Human Review

SLG uses proprietary software, automated tools, and analytical models to assist in processing and analyzing Client Information. All Reports are reviewed by SLG personnel exercising professional analytical judgment before delivery. Client acknowledges that the use of automated tools is an ordinary part of SLG's methodology and does not alter the educational and analytical nature of the Services, the disclaimers in these Terms, or the limitations of liability set forth herein.

What SLG Is Not

SLG Advisers LLC is not, and does not hold itself out as, any of the following:

• Not a lender. SLG does not originate, fund, underwrite, or place loans of any kind. SLG will never lend you money or commit any other party to lend you money.
• Not a loan broker. SLG is not registered as a loan broker in any jurisdiction. SLG does not facilitate loan placement, does not match borrowers to specific lenders, and does not receive compensation from any lender, broker, or financial institution.
• Not a mortgage broker, MLO, or mortgage originator. SLG does not perform any function regulated under the SAFE Mortgage Licensing Act of 2008 or any equivalent state law.
• Not a financial planner or investment adviser. SLG is not registered with the U.S. Securities and Exchange Commission or any state securities authority as an investment adviser. We do not provide investment recommendations or manage assets.
• Not a law firm. SLG does not provide legal advice. Nothing in our Reports, communications, or Services constitutes the practice of law.
• Not a CPA firm or accounting service. SLG does not prepare tax returns, audit financial statements, perform bookkeeping, or issue any accountant-attested document.
• Not a credit repair organization. SLG does not perform services regulated under the Credit Repair Organizations Act (CROA) or equivalent state laws. We do not dispute credit report items, contact creditors on Client's behalf, or otherwise act as a credit repair organization.
• Not a debt settlement or debt management firm. SLG does not negotiate with creditors, settle debts, or manage client funds for the purpose of paying creditors.
• Not a fiduciary. SLG has no fiduciary duty to Client. Our relationship is a flat-fee professional services engagement strictly limited to the Services purchased.

Client acknowledges that for any service requiring a licensed professional (attorney, CPA, financial planner, investment adviser, registered mortgage broker, licensed loan originator, or credit repair specialist), Client must engage such a licensed professional separately. SLG will not provide referrals to specific professionals.

Eligibility

To use our Services, you must:

• Be at least 18 years of age;
• Have the legal capacity to enter into a binding contract under applicable law;
• If purchasing on behalf of a business, have actual authority to bind that business;
• Not be located in any jurisdiction where our Services are prohibited or where SLG is not authorized to operate;
• Not be on any U.S. government list of prohibited or restricted parties (including OFAC's Specially Designated Nationals list);
• Provide accurate, complete, and truthful information at all stages of engagement.

SLG reserves the right to refuse Service to any person or entity at our sole discretion, with or without cause, and to terminate any engagement in which Client is determined to have provided false or misleading information.

Client Responsibilities

6.1 Accurate Information

Client is solely responsible for the accuracy, completeness, authenticity, and lawfulness of all Client Information submitted to SLG. Client represents and warrants that:

• All financial documents, tax returns, bank statements, debt schedules, and other materials are true, accurate, and unaltered copies of genuine records;
• Client has the legal right to share such documents with SLG;
• Client is not submitting any documents in violation of any contract, court order, or law.

6.2 Document Authenticity

Submission of forged, altered, fabricated, or fraudulent documents constitutes a material breach of these Terms. SLG may immediately terminate the engagement, retain all fees paid, report the conduct to appropriate authorities, and pursue all available legal remedies. Client agrees that providing fraudulent documents to obtain a Report constitutes intentional misrepresentation.

6.3 Lawful Use of Reports

Client agrees to use Reports solely for lawful purposes, including Client's own evaluation of capital readiness and presentation to Lenders in connection with bona fide financing applications. Client may not:

• Use Reports to defraud any Lender or other party;
• Modify, alter, or selectively excerpt Reports in a manner that misrepresents SLG's analysis or conclusions;
• Resell, sublicense, or commercially redistribute Reports;
• Use Reports as a substitute for advice from a licensed professional;
• Present Reports as endorsements by SLG of any specific Lender, loan product, or transaction.

6.4 Timely Cooperation

Client agrees to respond to SLG requests for clarification or additional documentation within reasonable timeframes. Delays caused by Client's failure to respond, provide complete documents, or make payment will extend SLG's delivery timelines proportionately and will not constitute SLG breach.

SMS / Text Messaging

7.1 Opt-In Consent

If you provide your mobile number and affirmatively opt in (for example, by checking the text messaging consent box on our intake or contact form, or by otherwise expressly agreeing), you consent to receive text messages from SLG at the number you provided, including messages sent using an automatic telephone dialing system or similar technology where applicable. You represent that you are the subscriber or customary user of the number provided and that you are authorized to consent to receive messages at that number.

7.2 Nature of Messages

Text messages from SLG under this consent are transactional and conversational, relating to your inquiry or engagement. They may include intake confirmations, appointment scheduling and reminders, requests for documents, notice that a Report is ready, and replies to your questions. SLG does not send recurring marketing or promotional text messages under this consent. Any separate marketing text program, if offered, will require its own separate opt-in.

7.3 Message Frequency and Charges

Message frequency varies based on your interaction with SLG. Message and data rates may apply according to your mobile carrier's plan. SLG does not charge a fee for text messages, but your carrier's standard rates and fees apply. SLG is not responsible for charges imposed by your carrier.

7.4 Opt-Out and Help

You may opt out of text messages at any time by replying STOP to any message. After you reply STOP, SLG will send a single confirmation message and will not send further texts unless you opt in again. For help, reply HELP or contact us at info@slgadvisers.com or (888) 924-5385. Opting out of text messages does not affect your ability to use the Services or to communicate with SLG by email or phone.

7.5 Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Delivery of text messages is subject to your carrier's network and is not guaranteed.

7.6 Privacy of Mobile Information

SLG does not sell or share mobile phone numbers or text messaging consent with third parties or affiliates for their marketing purposes. Our handling of mobile information is described further in our Privacy Policy.

Fees and Payment

8.1 Flat-Fee Pricing

SLG charges flat fees for each Service, posted publicly on our website at the time of purchase. The prices presented to Client at the point of checkout are the governing prices for that purchase. Representative fees in effect as of the Effective Date of these Terms include:

• Capital Readiness Snapshot: $997, delivered within 48 hours of document receipt;
• Capital Readiness Full Report: $2,500, delivered within 5 business days of document receipt.

The fees listed above are provided for general reference only and may change. In the event of any discrepancy between the fees listed in these Terms and the price displayed at checkout, the price displayed at checkout controls. SLG reserves the right to adjust fees at any time. Fee adjustments do not affect Services already purchased.

8.2 Payment Method

All payments are processed by Stripe, Inc. or another reputable third-party payment processor. By providing payment information, Client authorizes SLG and its payment processor to charge the agreed-upon fee. Client represents that Client is the authorized holder of the payment method submitted.

8.3 Payment Timing

Full payment is required before SLG begins work on any Service. SLG is not obligated to commence work, deliver Reports, or provide any other service until payment is received and cleared.

8.4 Upgrade Credit Mechanic

If Client purchases the Snapshot and within thirty (30) calendar days upgrades to the Capital Readiness Full Report, the previously paid amount will be credited toward the Full Report fee. The credit is forfeited if upgrade does not occur within thirty (30) days. Credits are non-transferable, have no cash value, and may not be combined with promotional offers unless expressly stated. The terms of any upgrade credit are governed by the offer presented at the time of the original purchase.

8.5 Failed Payments and Chargebacks

If a payment fails, is reversed, charged back, or otherwise becomes uncollectable, SLG may:

• Immediately suspend or terminate Services;
• Revoke any license granted to use the Reports;
• Recover any fees owed through collection or legal action;
• Recover all costs of collection including reasonable attorneys' fees.

Client agrees not to initiate any chargeback or payment dispute with their card issuer or bank without first attempting to resolve the matter directly with SLG in good faith. Initiating a chargeback without prior good-faith communication constitutes a material breach of these Terms.

No-Refund Policy

9.1 General No-Refund Rule

All fees paid to SLG for Services are non-refundable. This includes but is not limited to fees paid for the Snapshot, the Full Report, and any other Service offered by SLG.

Client expressly acknowledges that:

• SLG begins allocating analyst time, methodology resources, and infrastructure to Client's engagement immediately upon purchase;
• The value of SLG's Services lies in the analytical work performed and intellectual property delivered, not in any specific outcome with a Lender;
• Client's dissatisfaction with the conclusions of a Report, with Client's eventual Lender outcome, with the timeline required to become approvable, or with any other subjective factor is not grounds for refund;
• The truthfulness of SLG's analysis is the deliverable; flattering or favorable conclusions are not the deliverable.

9.2 Limited Exceptions

Notwithstanding Section 9.1, SLG may, in its sole discretion, issue a full or partial refund only in the following specific circumstances:

• (a) Pre-work cancellation: Client requests cancellation in writing to info@slgadvisers.com before SLG has commenced any analytical work and before any documents have been substantively reviewed by an analyst. SLG's determination of whether work has commenced is final.
• (b) SLG inability to deliver: SLG, after good-faith effort, determines that it is unable to deliver the Service purchased due to circumstances within SLG's control. In such case, SLG may refund the fee paid, less any portion attributable to work already performed.
• (c) Material non-delivery: SLG fails to deliver a Report that materially meets the documented scope of the Service purchased, and SLG fails to cure such failure within fifteen (15) business days after written notice from Client.
• (d) Duplicate or erroneous charge: Client was charged in error or charged twice for the same Service.

9.3 What Is Not Grounds for Refund

For clarity, the following circumstances do not entitle Client to a refund:

• Client did not get approved for a loan;
• Client got approved but for less than expected;
• Client got approved but on different terms than expected;
• Client did not like the conclusions of the Report;
• The Report concluded Client is not currently lendable or requires a longer timeline than Client hoped;
• Client changed their mind after work began;
• Client did not understand the scope of Services at purchase;
• Client failed to submit complete or accurate documents;
• Client did not act on the recommendations in the Report;
• A specific Lender disagreed with SLG's analysis;
• Client experienced a change in business or personal circumstances;
• Client received the same or similar information from another source;
• Any other reason not expressly listed in Section 9.2.

9.4 Refund Process

To request a refund under Section 9.2, Client must email info@slgadvisers.com with the subject line "Refund Request" and include: (a) the name and email used at purchase; (b) the date of purchase and Service purchased; (c) the specific subsection of Section 9.2 under which Client believes a refund is warranted; and (d) any supporting information.

SLG will respond within ten (10) business days. SLG's decision regarding any refund request is final and not subject to appeal. If a refund is issued, it will be returned to the original payment method within ten (10) business days of approval.

9.5 Effect of Refund

Upon any refund (in whole or in part) being issued:

• All license rights granted to Client to use the Reports are immediately revoked;
• Client must immediately destroy all copies of Reports and any derivative materials in Client's possession or control;
• Client may not use, share, distribute, or rely on the Reports for any purpose.

Delivery Timelines

10.1 Timeline Commitments

Standard delivery timelines, measured from receipt of complete and acceptable Client documents, are:

• Capital Readiness Snapshot: 48 hours;
• Capital Readiness Full Report: 5 business days.

10.2 Conditions Affecting Delivery

Timeline commitments are subject to the following conditions, any of which may extend delivery without entitling Client to any remedy:

• Client has submitted all required documents in complete and legible form;
• Client responds to SLG inquiries within one business day;
• Documents pass SLG's quality review without requiring re-submission;
• No force majeure event has occurred;
• No unusual complexity has been identified that reasonably requires additional time.

10.3 Business Days

"Business days" means Monday through Friday, excluding U.S. federal holidays, on which SLG conducts ordinary operations.

10.4 Delivery Method

Reports are delivered electronically by email or secure link to the address provided by Client at intake. Client is responsible for ensuring the email address is accurate and capable of receiving messages from SLG. SLG is not responsible for delivery failures due to incorrect email, full inboxes, spam filters, or other Client-side issues.

Document Submission

11.1 Required Documents

Depending on the Service purchased, Client will be required to submit documents which may include: business tax returns, personal tax returns, business and personal bank statements, profit and loss statements, balance sheets, debt schedules, denial letters, credit information, business formation documents, lease agreements, and other financial records.

11.2 Submission Method

Documents must be submitted through SLG's designated secure intake channel. SLG accepts no responsibility for documents transmitted outside of this channel, including documents emailed to general SLG mailboxes, sent via unsecured cloud links, or otherwise transmitted in non-secured form.

11.3 Document Quality

Documents must be legible, complete, and unaltered. SLG reserves the right to request resubmission of documents that are illegible, incomplete, redacted in a manner that prevents analysis, or otherwise unsuitable. Delivery timelines run from the date of acceptable document submission.

11.4 Retention of Submitted Documents

SLG will retain Client Information in accordance with our Privacy Policy. Client may request deletion of Client Information at any time after Service delivery, subject to SLG's reasonable need to retain certain materials for legal, regulatory, or audit purposes.

Intellectual Property

12.1 SLG Intellectual Property

All SLG analytical methodologies, frameworks, templates, software, scripts, models, the Approval Confidence Score (ACS) and its weighting methodology, the structure and design of all Reports, the SLG name and logo, the SLG website and all related content, and all derivative works thereof are and remain the exclusive property of SLG Advisers LLC.

Nothing in these Terms transfers any ownership of SLG intellectual property to Client.

12.2 License Granted to Client

Subject to Client's compliance with these Terms and full payment of all fees, SLG grants Client a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Reports delivered to Client solely for Client's own internal business purposes, including presentation to Lenders in connection with Client's own financing applications.

12.3 Restrictions on Use

Client may not, without SLG's express prior written consent:

• Reverse engineer, decompile, or attempt to derive SLG's analytical methodology from the Reports;
• Use the Reports to develop a competing product or service;
• Resell, redistribute, sublicense, or otherwise commercialize the Reports;
• Remove or obscure any SLG branding, copyright notices, or proprietary legends from the Reports;
• Use the SLG name, logo, or marks in any marketing or promotional material;
• Use the Reports for any purpose other than as expressly permitted in Section 12.2.

12.4 Feedback

Any feedback, suggestions, or ideas Client provides to SLG regarding our Services are non-confidential. SLG may use such feedback without restriction, attribution, or compensation.

Confidentiality

13.1 Mutual Confidentiality

Each party agrees to maintain the confidentiality of the other party's Confidential Information, to use it solely in connection with the Services, and not to disclose it to third parties except as permitted under these Terms.

13.2 SLG Treatment of Client Information

SLG treats Client Information as confidential and applies commercially reasonable security measures to protect it, as described in our Privacy Policy. SLG may share Client Information with sub-processors strictly as needed to deliver Services, and only with sub-processors who have agreed to confidentiality obligations no less protective than these Terms.

13.3 Carve-Outs

Confidentiality obligations do not apply to information that:

• Is or becomes publicly known through no breach by the receiving party;
• Was lawfully known by the receiving party before disclosure;
• Is independently developed without reference to the disclosing party's Confidential Information;
• Is required to be disclosed by law, court order, subpoena, regulatory authority, or similar process, provided the receiving party gives prompt notice to the disclosing party (where legally permitted) so the disclosing party may seek a protective order.

13.4 De-Identified Data

SLG may use de-identified, anonymized, or aggregated information derived from Client engagements for purposes of improving Services, training analytical models, conducting research, and publishing industry insights. Such use will not identify Client.

No Guarantee of Loan Approval

Client expressly acknowledges and agrees that:

• The final lending decision is made solely by the Lender Client chooses to engage;
• Lenders evaluate borrowers based on a wide range of factors, many of which SLG has no visibility into and over which SLG has no control;
• Lender underwriting criteria vary by institution, change over time, and may differ from the analytical frameworks SLG applies;
• Even a strong capital readiness profile does not guarantee approval, favorable terms, or any particular loan amount;
• SLG's analysis represents a good-faith application of standard commercial credit analysis methodology and is not a prediction of any Lender's decision.

Any representation by any SLG employee, contractor, or affiliate that Client "will be approved," "should be approved," or "is guaranteed approval" is not authorized by SLG, is not binding on SLG, and may not be relied upon by Client. The only binding representations by SLG are those contained in these Terms and in SLG's written Reports.

No Tax, Legal, or Investment Advice

Nothing in any Report, communication, or other Service shall be construed as tax advice, legal advice, accounting advice, investment advice, fiduciary advice, financial planning, mortgage origination, loan brokerage, or any other regulated professional service.

Client agrees that:

• Add-backs identified by SLG in adjusted cash flow analysis are analytical computations based on standard commercial lending conventions, not tax positions or tax returns;
• SLG's identification of add-backs does not constitute advice to Client about how to file or amend any tax return;
• Any decision to file or amend a tax return must be made in consultation with Client's CPA, tax attorney, or other qualified tax professional;
• Discussions of legal entities (LLCs, corporations, partnerships, holding companies) are analytical, not advisory, and do not constitute advice on entity formation, structure, or governance;
• Discussions of contracts, leases, or agreements identified during Client's engagement are analytical, not legal advice on those instruments;
• Discussions of personal financial planning, retirement, insurance, or investment topics, if any arise, are illustrative only and do not constitute investment advice.

Client is solely responsible for obtaining licensed professional advice as Client deems necessary. Client agrees not to rely on any SLG communication as a substitute for such advice.

Lender Independence

SLG is structurally independent from all Lenders. As of the Effective Date:

• SLG receives no compensation, commission, referral fee, kickback, or other consideration from any Lender;
• SLG has no contracts, agreements, or financial relationships with any Lender requiring SLG to recommend, endorse, or steer Clients;
• SLG does not maintain a list of "preferred" Lenders, and does not recommend specific Lender institutions;
• SLG's recommendations are limited to categories of Lenders (community banks, SBA-preferred lenders, asset-based lenders, etc.) that may be appropriate based on Client's profile;
• Client is solely responsible for selecting and engaging any specific Lender.

If SLG ever enters into any compensated relationship with a Lender in the future, SLG will update these Terms and disclose such relationship prominently. As of the Effective Date, no such relationship exists.

Client Acknowledgments

By purchasing any Service, Client expressly acknowledges and agrees that:

1. SLG is not a lender, broker, attorney, CPA, or financial planner, as further described in Section 4;
2. No outcome with any Lender is guaranteed, as further described in Section 14;
3. Reports are educational and analytical, not loan approvals or commitments;
4. All fees are non-refundable except as described in Section 9.2;
5. Client has accurately represented Client's identity, business, and financial situation;
6. Client will use Reports only for lawful purposes;
7. Client has been given a fair opportunity to read and understand these Terms before purchase;
8. Client has not been promised any specific result by any SLG representative;
9. Client understands the difference between capital readiness analysis (what SLG provides) and lending or brokering services (which SLG does not provide);
10. Client agrees to resolve any dispute through binding arbitration as described in Section 24.

Limitation of Liability

18.1 Exclusion of Indirect Damages

To the maximum extent permitted by applicable law, in no event shall SLG, its members, managers, officers, employees, contractors, agents, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, including but not limited to lost profits, lost revenue, lost business opportunity, lost goodwill, loss of data, cost of substitute services, or damages arising from inability to obtain financing on desired terms, even if SLG has been advised of the possibility of such damages.

18.2 Cap on Direct Damages

SLG's total cumulative liability to Client for all claims arising out of or relating to these Terms or the Services, whether in contract, tort (including negligence), strict liability, or any other theory, shall not exceed the total fees actually paid by Client to SLG in the twelve (12) months immediately preceding the event giving rise to the claim.

18.3 Basis of the Bargain

Client acknowledges that the fees charged by SLG reflect the allocation of risk set forth in this Section 18, and that without these limitations, SLG would not be able to offer the Services at the prices charged. These limitations are a fundamental basis of the bargain between the parties.

18.4 Statutory Limits

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent any such law applies to Client, the above limitations apply to the maximum extent permitted by law.

Indemnification

Client agrees to indemnify, defend, and hold harmless SLG, its members, managers, officers, employees, contractors, agents, and affiliates from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Client's breach of these Terms;
• Client's submission of inaccurate, incomplete, altered, forged, or fraudulent documents or information;
• Client's misuse of any Report, including misrepresentation of SLG's conclusions or selective use to mislead a Lender or other party;
• Client's violation of any applicable law or regulation;
• Client's infringement of any third party's intellectual property, privacy, or other rights;
• Any claim by a Lender, taxing authority, regulator, or other third party arising from Client's use of the Reports;
• Any claim by Client's business partners, lenders, investors, or others arising from Client's representations about SLG or use of the Reports.

SLG reserves the right, at Client's expense, to assume the exclusive defense and control of any matter for which Client is required to indemnify SLG, and Client agrees to cooperate with SLG's defense of such claims.

Warranties and Disclaimers

20.1 SLG's Limited Warranty

SLG warrants that the Services will be performed in a professional and workmanlike manner consistent with standard commercial credit analysis practices, and that Reports will materially conform to the scope of the Service purchased as documented at the time of purchase.

20.2 Disclaimer of All Other Warranties

Except for the limited warranty in Section 20.1, the Services and Reports are provided "as is" and "as available," without any warranty of any kind, whether express, implied, or statutory. SLG specifically disclaims all warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, security, currency, uninterrupted operation, or that Services or Reports will achieve any specific outcome with any Lender.

20.3 No Reliance on Third-Party Information

SLG's analysis is based on the documents and information Client submits. SLG does not independently verify Client Information beyond reasonable consistency checks. SLG is not responsible for inaccuracies or omissions in Client Information.

20.4 Methodological Disclaimer

Commercial credit analysis methodologies, including but not limited to DSCR, PTI, adjusted cash flow, the 5C Framework, and global cash flow, are widely used industry conventions but are not standardized rules. Individual Lenders may apply variations or alternative methodologies. SLG's application of these methodologies represents SLG's professional analytical judgment but does not guarantee alignment with any specific Lender's underwriting practices.

Termination

21.1 Termination by Client

Client may discontinue use of SLG Services at any time. Termination does not entitle Client to any refund except as expressly provided in Section 9.2.

21.2 Termination by SLG

SLG may suspend or terminate Services to any Client at any time, with or without notice, for any reason, including but not limited to:

• Client breach of these Terms;
• Submission of inaccurate, incomplete, or fraudulent documents;
• Threatening, abusive, harassing, or unreasonable conduct toward SLG personnel;
• Suspicion that Client intends to use Services for unlawful purposes;
• Initiation of a chargeback or payment dispute;
• SLG's reasonable business judgment that continuing the engagement is not in SLG's best interest.

21.3 Effect of Termination

Upon termination by either party:

• SLG's obligation to deliver further Services immediately ceases;
• Client must immediately pay all amounts owed to SLG;
• Each party will return or destroy the other party's Confidential Information, except as required to be retained by law;
• Sections that by their nature should survive termination (including Sections 4, 7, 8.5, 9, 12, 13, 14, 15, 18, 19, 20, 23, 24, and 25) will survive.

21.4 Survival of Obligations

Termination does not relieve either party of obligations accrued before the termination date.

Force Majeure

SLG shall not be liable for any delay or failure to perform any obligation under these Terms to the extent such delay or failure is caused by circumstances beyond SLG's reasonable control, including but not limited to acts of God, natural disasters, pandemics, epidemics, public health emergencies, government actions, war, terrorism, civil unrest, labor disputes, internet or telecommunications failures, power outages, cyberattacks, or failures of third-party service providers including payment processors and cloud infrastructure providers. In such event, SLG's performance will be excused for the duration of the force majeure event and a reasonable recovery period.

Governing Law

These Terms, and any dispute arising out of or relating to these Terms or the Services, shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods is expressly disclaimed.

Binding Arbitration

24.1 Agreement to Arbitrate

Client and SLG agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, the Reports, or the relationship between Client and SLG, whether sounding in contract, tort, statute, or otherwise, shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules then in effect, except as modified by this Section 24.

24.2 Location

Arbitration shall be conducted in Maricopa County, Arizona, unless the parties mutually agree to a different location or to a remote/virtual proceeding.

24.3 Arbitrator

The arbitration shall be conducted by a single arbitrator who is a retired judge or attorney with substantial commercial litigation experience, selected in accordance with AAA rules.

24.4 Arbitrator's Authority

The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this arbitration agreement is void or voidable.

24.5 Costs

Each party shall bear its own attorneys' fees and costs in the arbitration, except that the arbitrator may award such costs to the prevailing party where authorized by applicable law.

24.6 Exceptions

Notwithstanding the foregoing, either party may bring an action in small claims court for disputes within that court's jurisdiction, and either party may seek injunctive or equitable relief in court to protect intellectual property rights or Confidential Information.

24.7 Opt-Out Right

Client may opt out of this arbitration agreement by sending written notice to info@slgadvisers.com with the subject line "Arbitration Opt-Out" within thirty (30) days of Client's first purchase of any Service. Opt-out notice must include Client's name, address, email used at purchase, and a clear statement of intent to opt out. Failure to opt out within this period constitutes binding acceptance of this arbitration agreement.

24.8 Federal Arbitration Act

This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq.

Class Action Waiver

Client and SLG agree that each may bring claims against the other only in their individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. Client expressly waives any right to participate in a class action, class-wide arbitration, private attorney general action, or other representative proceeding.

If this class action waiver is found unenforceable, then the entirety of Section 24 (Arbitration) shall be deemed null and void, but no other provision of these Terms shall be affected.

Severability

If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if such modification is not possible, severed from these Terms. The remaining provisions shall remain in full force and effect.

Entire Agreement

These Terms, together with the Privacy Policy and any service-specific terms presented at purchase, constitute the entire agreement between Client and SLG regarding the Services. They supersede any prior or contemporaneous oral or written agreements, representations, or understandings. No statement made by any SLG representative outside of these documents shall modify these Terms unless agreed to in writing signed by an authorized SLG representative.

Modifications

SLG reserves the right to modify these Terms at any time. Material changes will be communicated by posting an updated version on the SLG website and updating the "Last Updated" date at the top. Client's continued use of the Services after the effective date of any modification constitutes acceptance of the modified Terms. If Client does not agree to a modification, Client's sole remedy is to discontinue use of the Services.

For Services already purchased before a modification, the Terms in effect at the time of purchase will continue to govern that specific Service engagement, except where modification is required by law.

Notices and Contact

29.1 Notices to SLG

All notices to SLG under these Terms must be in writing and sent to:

SLG Advisers LLC
Email: info@slgadvisers.com
Phone: (888) 924-5385
Website: www.slgadvisers.com

29.2 Notices to Client

Notices to Client may be sent to the email address provided at purchase or through the SLG website. Client is responsible for keeping contact information current.

29.3 Effective Date of Notices

Notices are deemed effective upon receipt if sent by email (or upon delivery confirmation if sent by certified mail).