Terms of Service

Date Last Revised: August 3, 2026

You have accessed the website of Expansion Capital Group, LLC, (“Expansion,” “we,” “us” or “our”) a financing company that provides capital to small businesses.

These Terms of Use (“Terms”) apply to your access and use of the website (“Site”) and other online products and services (collectively, the “Services”) of Expansion.

Accepting These Terms

By Accessing or using the services, you agree to be bound by all of the terms below. Please read all of the terms before you use the Services. If a term does not make sense to you, please let us know. If you don’t agree to all of the terms below, you may not use or submit content to the Services. 

Services Covered

These Terms of Use are between Expansion and its affiliated companies (collectively “ECG”) and you. The Services covered by these Terms include all versions of the Expansion website (the “Site”) and other communications by which Expansion provides or receives related content and information. The Services are not intended for use by any person under the age of 18 years. 

Modifications

We reserve the right to change these Terms from time to time. For example, we may need to change these Terms if we come out with a new feature. If we make changes, we will notify you by revising the date at the top of the Terms. We encourage you to review these Terms periodically to stay informed about our practices.

Whenever we make changes to these Terms, they are effective when the revised Terms are posted unless we notify you otherwise. If you continue to use the Services after the revised Terms have been posted, then you will be deemed to have accepted the changes to these Terms.

Privacy Policy

For information about how we collect, use and share information about users of the Services, please see our Privacy Policy. By using any of the Services and agreeing to these Terms, you are also agreeing to the terms of our Privacy Policy and the collection, use, sharing, and storage of information as described therein, including without limitation your personal or personally identifiable information consistent with such Policy. 

Ownership; Limited License

The Services are owned and operated by ECG, but the Services may include elements licensed from or provided by third parties. ECG, along with its third-party licensors, retains all right, title and interest in and to the Services, including all intellectual property rights in them. Subject to all of the Terms, ECG grants you a limited, non-exclusive, non-sublicensable, non-transferable license to access and use the Services. While you may access, view and use the Services in connection with transactions to which you and ECG are parties, you may not modify, reproduce, distribute, publicly display, rent, lease, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, except as expressly indicated by ECG in the Services or with the express written permission of Expansion and any relevant third party owners of intellectual property rights in the content. In the event of any permitted copying, redistribution or publication of protected material, you will not change or delete any author attribution, trademark legend or copyright notice, and no ownership rights will be transferred.

Creating Accounts

When you create an account you must maintain the security of your password and accept all risk that someone may access your account without your permission. If you discover or suspect any security breaches of the Services, please let us know as soon as possible. You represent and warrant to us that all information that you provide in connection with your account is accurate, truthful, current and complete. Expansion reserves the right to deny the formation or use of any account at our discretion.

Requirements for Use of the Services

A. You agree to use the Services for lawful purposes only. You agree not to post or transmit through the Services any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, gives rise to civil liability or otherwise violates any applicable laws, rules, or regulations, whether federal, state, local, foreign or international. You agree not to (i) impersonate any person or entity, or otherwise misrepresent your affiliation; (ii) manipulate, forge, or otherwise modify information or identifiers; (iii) alter or delete information not provided by you, interfere with the operations of the Services, or upload, post, email, transmit, link to or otherwise make available any content that contains any virus, worm, computer code, file, or other material intended to cause the interruption, destruction, theft, or loss of functionality of the Services, software, data, or equipment, or means of communication; (iv) attempt to gain access to confidential information to which you are not entitled; (v) modify, reverse engineer, reverse assemble, decompile or hack into any of the systems or software used by the Services; (vi) monitor any information in or related to the Services for any unauthorized purpose; (vii) access, monitor, or copy, or permit another person or entity to access, monitor, or copy, the Services using either automated means or manual processes without the express written consent of Expansion; or (viii) manipulate, or permit any other person or entity to manipulate, any ratings or reviews of the Services.

B. You are solely responsible for obtaining and maintaining all devices, wired or wireless communications means, computer hardware, computer software, and other equipment needed for access and use of the Services and all charges related thereto.

C. If you receive communications from ECG, through or related to the Services, you expressly consent to receiving such communications in the form of telephone calls, text messages, in-app messages, pop-up messages, and emails, as applicable, to the contact points identified through the Services, and in the case of telephone calls and text messages, you expressly consent to receiving calls that use an automated telephone dialing system and pre-recorded or artificial voice messages. You acknowledge and agree that certain communications are marketing in nature, and you consent to receive such communications. The message frequency will vary depending on the purpose for which it is sent. Message and data rates may apply. Your consent will be effective even if the number Seller has provided is registered on any state or federal Do-Not-Call (DNC) list. This consent for telemarketing calls shall remain in effect until revoked by you. Your consent to telemarketing calls may be revoked by informing the telemarketing representative, by sending written notice to Purchaser at: Expansion Capital Group, LLC, Attn: Opt-Out, 5801 S. Corporate Place, Sioux Falls, SD 57108, or any other method which ensures ECG receives the revocation. You may also text “STOP” to no longer receive text messages. For help, reply HELP or email us at terms@ecg.com. 

YOU EXPRESSLY AGREE THAT USE OF THE SERVICES IS AT YOUR OWN SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR A COURSE OF PERFORMANCE, OTHER THAN THOSE WARRANTIES WHICH ARE BOTH IMPLIED BY APPLICABLE LAW AND MADE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER APPLICABLE LAW. 

Reporting and Removal

Users of the Services may report content to Expansion that they think violates these Terms, and Expansion may remove such content, suspend or terminate the account of the user who posted or otherwise made available such content and/or take additional action to enforce these Terms against such user.

Also, in accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, Expansion has adopted a policy of terminating, in appropriate circumstances and at Expansion’s sole discretion, subscribers or account holders who are deemed to be repeat infringers. Expansion may also at its sole discretion limit access to the Services or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

If you believe that anything on the Services infringes upon any copyright that you own or control, you may file a notification with Expansion’s Designated Agent as set forth below:

General Counsel
Address of Designated Agent: 5801 S. Corporate Place, Sioux Falls, SD 57108
Email Address of Designated Agent: legal@ecg.com
Phone number of Designated Agent: 1 (877) 204-9203

Please see 17 U.S.C. § 512(c)(3) for the requirements of a proper notification. If you knowingly misrepresent in your notification that the material or activity is infringing, you may be liable for any damages, including costs and attorneys’ fees, incurred by Expansion or the alleged infringer as the result of Expansion relying upon such misrepresentation in removing or disabling access to the material or activity claimed to be infringing.

Representations and Warranties

By accessing and using the Services, you represent that you18 years of age or older and have the legal capacity to enter into these Terms of Use and fulfill the obligations set forth in these Terms, which forms a binding contract between you and ECG. You authorize ECG to collect, use, share and store any information that you provide in accordance with the Privacy Policy of Expansion. You represent and warrant that all information that you choose to provide is accurate. You are responsible for all use of your account, regardless of whether you authorized such access or use, and for ensuring that all use of the Services complies fully with these Terms. You are solely responsible for the use of the Services by you and anyone you allow access to the Services.

Limitation of Liabilities

YOU EXPRESSLY UNDERSTAND AND AGREE THAT EXPANSION, ITS AFFILIATES, THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, OR LICENSORS WILL NOT BE LIABLE UNDER ANY LEGAL OR EQUITABLE THEORY (INCLUDING STRICT LIABILITY), FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL OR EXEMPLARY LOSS, LIABILITY, DAMAGE OR EXPENSE DIRECTLTY OR INDIRECTLY RESULTING FROM OR ARISING OUT OF YOUR USE OF OR YOUR INABILITY TO USE THE SERVICES OR ANY OTHER MATTER RELATING TO THE SERVICES. 

THOSE PROVISIONS OF THESE TERMS OF USE WHICH ARE CONTRARY TO OR ARE NOT ENFORCEABLE UNDER APPLICABLE LAW WILL NOT APPLY TO YOU AND DO NOT AFFECT ANY STATUTORY RIGHTS AVAILABLE TO YOU WHICH MAY NOT BE DISCLAIMED OR LIMITED; PROVIDED, HOWEVER, THAT YOU AGREE AND ACKNOWLEDGE THAT THE REMAINDER OF THIS PARAGRAPH AND THESE TERMS WILL CONTINUE TO BE BINDING AND ENFORCEABLE.

Indemnification

You agree to defend, indemnify and hold harmless ECG, its licensors, representatives, and agents and their respective directors, officers, employees, contractors, representatives and agents (collectively the ‘Indemnitees”) from and against any and all claims, actions, demands, damages, costs, liabilities, losses and expenses (including reasonable attorneys’ fees and costs) (collectively “Losses”) arising out of, relating to or in connection with (a) your use of the Services, (b) any content or information that you submit or upload to or through the Services, (c) your unauthorized use of the Services or content or material obtained through the Services, (d) any violation of law or regulation by you, and (e) your breach of these Terms.

Expansion's Rights

As between you and Expansion, all information, materials and content of the Services, including text, graphics, data, formatting, graphs, designs, HTML, look and feel, photographs, music, sounds, images, software, videos, designs, typefaces, source and object code, format, queries, algorithms and other content is owned by Expansion or is used with permission. Expansion reserves all rights not expressly set forth in these Terms.

Feedback

Any suggestions, comments or other feedback you give us about the Services (the “Feedback”) will constitute our confidential information. We are free to use, disclose, reproduce, license, distribute and exploit this Feedback as we see fit, without compensation to you or any obligation or restriction because of any intellectual property rights or otherwise.

Consent to Electronic Communications

By using the Services, you agree that we may communicate with you electronically regarding your use of the Services and that any notices, agreements, disclosures or other communications that we send to you electronically will satisfy any legal communication requirements, including that the communications be in writing. To withdraw your consent from receiving electronic notice, please notify us at legal@ecg.com.

Suspension and Termination

 ECG reserves the right at any time to terminate and/or suspend access to the Services or any portion thereof, or to modify any of the Services or any aspect of the Services, including, without limitation, the content, features, functions, and availability of the Services, without notice (except as and when required by applicable law or as stated in these Terms of Use). Your license to use the Services under these Terms and any obligations of ECG to you regarding the Services will automatically terminate if you fail to comply with any term or condition of these Terms. No notice will be required from ECG to enforce such termination.

Governing Law; Arbitration

Please read the following paragraphs carefully because they require you to arbitrate disputes with expansion and limit the manner in which you can seek relief from expansion.

These Terms shall be governed by and construed in accordance with the laws of the State of South Dakota and the United States of America, without resort to any conflict of law provisions.

In the event of any controversy or claim arising out of or relating in any way to these Terms or the Services, you and Expansion agree to consult and negotiate with each other and, recognizing your mutual interests, try to reach a solution satisfactory to both parties. If we do not reach settlement within a period of 60 days, then either of us may, by notice to the other demand mediation under the mediation rules of the Resolute Systems, LLC and New Era ADR, Inc. in Sioux Falls, South Dakota. We both give up our right to litigate our disputes and may not proceed to arbitration without first trying mediation, but you and Expansion are NOT required to arbitrate any dispute in which either party seeks equitable and other relief from the alleged unlawful use of copyrights, trademarks, trade names, logos, trade secrets or patents. Whether the dispute is heard in arbitration or in court, you and Expansion will not commence against the other a class action, class arbitration or other representative action or proceeding.

If settlement is not reached within 60 days after service of a written demand for mediation, any unresolved controversy or claim will be resolved by arbitration in accordance with the rules of the Resolute Systems, LLC and New Era ADR, Inc. before a single arbitrator in Sioux Falls, South Dakota. The language of all proceedings and filings will be English. The arbitrator will render a written opinion including findings of fact and law and the award and/or determination of the arbitrator will be binding on the parties, and their respective administrators and assigns, and will not be subject to appeal. Judgment may be entered upon the award of the arbitrator in any court of competent jurisdiction. The expenses of the arbitration will be shared equally by the parties unless the arbitration determines that the expenses will be otherwise assessed and the prevailing party may be awarded its attorneys’ fees and expenses by the arbitrator. It is the intent of the parties that, barring extraordinary circumstances, arbitration proceedings will be concluded within 90 days from the date the arbitrator is appointed. The arbitrator may extend this time limit only if failure to do so would unduly prejudice the rights of the parties. Failure to adhere to this time limit will not constitute a basis for challenging the award. Consistent with the expedited nature of arbitration, pre-hearing information exchange will be limited to the reasonable production of relevant, non-privileged documents, carried out expeditiously.

For any disputes that are not handled by arbitration, you agree that any action at law or in equity arising out of or relating to these Terms shall be filed only in the state and federal courts located in Minnehaha County, South Dakota and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of these Terms or the use or the Services.

Miscellaneous

 A. These Terms constitute the entire agreement between you regarding the subject matter of these Terms and supersede all previous oral or written agreements or understandings regarding the subject matter. 

               B. If any terms or conditions of these Terms are held to be invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining terms and conditions will not be in any way affected or impaired.

               C. Paragraph headings used are for convenience only and shall not be given any legal effect.

               D. The rights licensed to you in these Terms may not be transferred or assigned to any other person or entity without the prior written consent of Expansion.

               E. No waiver by ECG of any breach under these Terms shall be deemed to be a waiver of any preceding or subsequent breach.

Contact Us

If you have any questions about these Terms, please email us at
terms@ecg.com, or call us at (833) 801-2990, or send a letter to:
Expansion Capital Group, LLC
5801 S. Corporate Place
Sioux Falls, SD 57108

Notice for California Users

If you are a California resident, you may have these Terms mailed to you electronically by sending a letter to the address above with your electronic mail address and a request for these Terms. Under California Civil Code Section 1789.3, California Website users are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210.