Terms of Service

1. Acceptance of Terms

By accessing and using the website ruby-capital-group.com operated by Ruby Capital Group LLC ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Services Description

Ruby Capital Group LLC is a direct business lender providing various funding solutions including revenue-based financing, business term loans, lines of credit, and equipment financing. All funding products are subject to approval and specific terms and conditions that will be provided to you upon application.

3. Eligibility

Our services are available to businesses operating within the United States. By using our services, you represent that you are authorized to act on behalf of your business and that all information provided is accurate and complete.

4. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and truthful information in all forms and applications
• Not use our website for any unlawful purpose
• Not attempt to gain unauthorized access to our systems or data
• Not transmit any harmful code or interfere with website functionality

5. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Ruby Capital Group LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

6. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, Ruby Capital Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, regardless of the cause of action or the theory of liability.

8. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Ruby Capital Group LLC, you agree to the following:

• Ruby Capital Group LLC may use an automatic telephone dialing system (ATDS) to deliver text messages to the phone number you provide.
• Messages may include information about your inquiry, application updates, funding status, and promotional offers.
• Message frequency varies based on your interactions and account activity.
• Message and data rates may apply. Please consult your mobile carrier for details about your text and data plan.
• You may opt out at any time by replying STOP to any text message. After opting out, you will receive a final confirmation message and no further SMS communications.
• For assistance with our SMS program, reply HELP to any message or contact us at michael@ruby-capital-group.com.
• Consent to receive SMS messages is NOT a condition of purchasing any goods or services from Ruby Capital Group LLC.
• We will not sell, rent, or share your mobile phone number or information collected via our SMS program with third parties for marketing purposes.

Mobile carriers are not liable for delayed or undelivered messages. Service availability and message delivery are subject to your carrier's network and coverage.

9. Indemnification

You agree to indemnify, defend, and hold harmless Ruby Capital Group LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our website or violation of these Terms of Service.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to conflict of law principles. Any disputes arising under these terms shall be resolved in the courts of the State of New Jersey.

11. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website following any changes constitutes your acceptance of the revised terms.

12. Contact Information

For questions about these Terms of Service, please contact us at:

Ruby Capital Group LLC
260 Broadway, Newark, NJ 07104
Email: michael@ruby-capital-group.com