Terms of Service

Agreement to Terms

By accessing or using the Arete Equity website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our services.

Investment Disclaimers and Risks

The information provided on this website does not constitute an offer to sell or a solicitation of an offer to buy securities. Any investment opportunity will be offered only through official offering documents and in compliance with applicable federal and state securities laws.

Use of Services

You agree to use our services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use our services in any way that violates applicable laws or regulations
• Engage in any conduct that restricts or inhibits anyone's use of our services
• Attempt to gain unauthorized access to our systems or networks
• Use our services to transmit viruses or malicious code
• Collect or harvest any information from our services without permission

Professional Advice Disclaimer

The content on this website is for informational purposes only and should not be considered legal, tax, investment, or financial advice. Before making any investment decision, you should consult with your own legal, tax, and financial advisors to determine the suitability of any investment for your particular circumstances.

Securities Law Compliance

Investment opportunities offered through Arete Equity are subject to securities laws and regulations. Certain investments may only be available to accredited investors as defined under applicable securities laws. We comply with all applicable federal and state securities laws, including registration requirements or exemptions therefrom.

Limitation of Liability

To the fullest extent permitted by law, Arete Equity shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Investment losses or damages arising from your investment decisions
• Any damages resulting from unauthorized access to your information

Your sole remedy for dissatisfaction with our services is to stop using our services.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Arete Equity and is protected by United States and international copyright laws. You may not reproduce, distribute, or create derivative works from our content without express written permission.

Third-Party Services

Our services may contain links to third-party websites or services, including FCI Lender Services. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. Your use of third-party services is at your own risk.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Washington and the United States, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the use of this website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Washington State, except where prohibited by law. Individual investment agreements may contain separate dispute resolution provisions.

Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our services after any modifications constitutes acceptance of the new Terms.

Investment Agreements

These Terms of Service govern your use of this website and general communications with Arete Equity. Any actual investment in mortgage note partials will be governed by separate, binding investment agreements that contain specific terms, conditions, rights, and obligations applicable to that investment.

We reserve the right to refuse service or decline to enter into investment agreements with any party for any lawful reason. Investment agreements, once executed, are binding contracts with terms specific to each transaction, including duration, payment terms, and conditions for early termination if applicable.

Contact Us

If you have questions about these Terms of Service, please contact us at: