Terms of use

1. Agreement

These Terms of Use ("Terms") are an agreement between you and Capital Ally LLC, a Wyoming limited liability company ("Capital Ally", "we", "us"). By using https://www.capitalally.net or the Capital Ally mobile app (together, the "Site"), submitting an eligibility check or application, or asking us to introduce you to lenders, you agree to these Terms and to our Privacy Policy and SMS Terms. If you do not agree, do not use the Site or our services.

You represent that you are at least 18 years old, that you are using the Site on behalf of a business, and that you are authorised to provide the business's information and to act for it.

2. What Capital Ally is, and is not

• We are not a lender. Capital Allyruns a membership app for business owners. When you submit a funding request, we introduce it to third-party lenders and financing providers and help you understand the options they offer. We do not make loans, issue credit, hold funds, negotiate terms on a lender's behalf or make credit decisions. Any financing is provided by the lender under the lender's own agreement with you. In some cases, where a state requires a broker licence or registration for the introduction being made, we will tell you and the introduction will be made through a licensed party.
• Commercial purpose only. Our services are for financing used primarily for business or commercial purposes, not for personal, family or household purposes.
• No guarantee of funding. Submitting an eligibility check or application is a request for us to seek financing options; it is not an application for credit with any specific lender and does not guarantee an offer, an amount, a rate, a term or a funding date.
• Same-day funding."Same day" refers to funding that some of our lending partners can provide to qualified businesses on the day they approve the financing. It is not available to every business or for every type of financing. Whether you qualify, the amount and when funds arrive are decided by the lender, and depend on its review, your documents and when you complete its steps.
• Information is general. Amounts, terms, rates, timelines and qualification criteria on the Site are typical ranges for each type of financing, provided for orientation. They are not commitments and may fall outside those ranges. Nothing on the Site is legal, tax, accounting or investment advice.

3. Your information and authorisation

You agree that the information and documents you give us are accurate and complete and that you will tell us promptly if anything changes. You authorise us to share your information and documents with lenders and financing providers we select for your request, to verify the information with third parties, and to obtain reports about you and your business where a lender requires them. A lender may obtain a consumer credit report on the business owner(s); a hard inquiry occurs only when you proceed with a specific lender and that lender requests it.

You agree that we may record how you use the Site and the mobile app, including the screens and pages you view and your taps, clicks and scrolls, through Microsoft Clarity, to improve them, as described in our Privacy Policy. What you type into forms is masked in those recordings.

4. Communications

By providing your contact details and giving the consent shown on our forms, you agree to be contacted by Capital Ally about your account by phone, text message and email, including through automated means, as described in the Privacy Policy and SMS Terms. When you submit a funding request, the lender reviewing it may also contact you about that request by phone, text message or email, as agreed in the application. Consent is not a condition of purchase and you may withdraw it at any time. We may record calls where the law permits, with notice.

5. Fees and compensation

Checking eligibility, sending a funding request and the Free plan in the app cost nothing. Capital Ally Everyday is a paid membership, described in section 6; you are charged only after you choose it in the app. Capital Ally may also receive a referral fee or other compensation from a lender or financing provider when financing closes as a result of our introduction. Where the law requires it, that compensation will be disclosed to you in writing before you sign a financing agreement, including under state commercial financing disclosure laws where they apply. Apart from the returned-payment fee described in section 6, we do not charge you any other fee unless you agree to it in a separate written agreement.

6. Capital Ally Everyday membership (app)

• Price and billing. Capital Ally Everyday costs $4.99 a week per business, billed $19.96 every 4 weeks, plus any applicable tax, provided and billed by Capital Ally LLC, a Wyoming limited liability company. It starts when you choose it in the app after sending your funding request.
• First 7 days.A business's first membership is free for its first 7 days. Its first payment of $19.96 is charged 7 days after you join, from your connected business bank account (or, if we can't validate your balance, to a backup card you add), then every 4 weeks. A business that has had a membership before is charged $19.96 when it joins, then every 4 weeks.
• Automatic renewal. The membership renews automatically every 4 weeks until you cancel. By choosing it in the app you authorize Capital Ally to debit the connected account for each payment. If a debit date ever changes, we will tell you at least 7 days before. If the price changes, we will tell you at least 10 days before it applies, and you can cancel before then.
• How to cancel.Cancel online at any time in the app under Profile, Membership. You don't need to call, email or give a reason. If you cancel during your first 7 days, nothing is charged. After that, no further charges are made and you keep access until the end of the period you paid for.
• Refunds.If you cancel within 7 days of your first charge, we refund it in full. After that, payments aren't refunded for part of a period, and you keep access until the end of the period you paid for.
• Failed payments. If a debit is returned for insufficient funds, we may retry it up to two times, on a likely payday (a Friday, or the 1st or 15th of the month) at least two business days after it was returned. If a membership payment is returned for insufficient funds, a $5 returned-payment fee is added to your next payment; we waive it the first time a payment is returned, and charge it at most once in any 30 days. The fee is never debited on its own. If the account cannot be charged, your membership may be paused until you connect a working account.
• Saved payment methods. When you enter a card in the Site or app, you agree that we may securely save that payment method to your account through our payment processor, Stripe. Stripe stores the card information; Capital Allyretains a payment-method reference and limited details such as the card brand and last four digits. Saving a card or agreeing to these Terms does not authorize a charge or start a membership. Before any payment for a membership, purchase or other service, we require your separate authorization to the payment terms shown to you, including the amount and any recurring billing schedule. Any repayment authorization you give a lender is governed by that lender's agreement.
• What membership includes. Capital AllyEveryday gives your business your funding plan and readiness score, your bank numbers and money findings updated every week, a 14-day cash forecast, your state and federal filing dates, a side-by-side comparison of the offers we present, and a plan to resubmit if lenders ask for improvements. Features marked early access in the app open to members as they become available. Your funding request and its updates don't need a membership: they stay available on the Free plan at no cost.
• Not a fee for financing. Membership is access to Capital Ally's tools to prepare for funding. It is not a fee for financing, and it does not guarantee financing, an offer, an amount, a rate or a funding date, influence lender underwriting or guarantee approval. Lenders decide, under their own terms.
• Memberships started before October 20, 2026. These keep their original terms: $19.99 a month per business, plus any applicable tax, charged by ACH debit from the connected account on the same date each month until you cancel. If you cancel within 7 days of your first charge, we refund it in full; after that, payments are not refunded for partial months and you keep access until the end of the month you paid for. The failed-payment terms above apply, with any returned-payment fee added to your next monthly payment.
• Insights Pro (optional). Insights Pro adds instant analysis of your business's banking in the app, and a Capital Ally advisor who reviews the transactions of your connected business bank account every month to look for funding or savings opportunities, and messages you in the app's Messages when there's one. You get a message only when your advisor finds an opportunity; not every review will turn one up, and no written report is promised. Our staff see your transactions only to provide this service, and nothing in Insights Pro is financial, tax or lending advice. For Everyday members it costs $3.49 a week, billed $13.96 every 4 weeks on the membership's billing date; for memberships started before October 20, 2026 it costs $14.99 a month. Either way it starts after 7 days on us (the first time only), is charged to the payment method on your membership, and renews until you cancel. Cancel at any time in the app under Profile, Membership: canceling during the 7 days on us means no charge, and after that Insights Pro ends at the end of the period you paid for.
• Your bank connection. We use Plaid to connect your business bank account. By connecting it, you authorize us to retrieve through Plaid the address on the account you choose, its transactions and its bank statements, and Plaid to provide Stripe a secure token for that account for the membership payment; to use this information to estimate your revenue and review your request; and to share your statements and account activity with the lenders reviewing your request. You can disconnect your bank by deleting your account in the app. Plaid's handling of your information is described in the Plaid End User Privacy Policy. Payments are processed by Stripe.
• Records. We keep a record of your agreement to the membership terms, including the version you agreed to and when, and we email you a confirmation with these terms and how to cancel.

7. Permitted use of the Site

You agree not to:

• submit false, misleading or fraudulent information, or information about someone else without authority;
• use the Site for consumer credit, or for any purpose that is unlawful or prohibited by these Terms;
• scrape, crawl, copy, reverse-engineer or interfere with the Site or its security;
• use our name, logo or content without written permission.

The Site and its content, including text, design, logos and photographs, are owned by or licensed to Capital Ally and protected by intellectual-property laws. You may view and print pages for your own business use in evaluating our services.

8. Third-party lenders and sites

Your relationship with any lender is governed by that lender's agreements and policies. We are not responsible for a lender's decisions, terms, service or handling of your information. Links to third-party sites are provided for convenience and do not imply endorsement.

9. Disclaimers

THE SITE AND OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT PERMITTED BY LAW, CAPITAL ALLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY WARRANTY THAT FINANCING WILL BE AVAILABLE ON ANY PARTICULAR TERMS OR AT ALL.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CAPITAL ALLY AND ITS OWNERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE OR OPPORTUNITY, ARISING FROM YOUR USE OF THE SITE OR OUR SERVICES OR FROM ANY FINANCING OR FAILURE TO OBTAIN FINANCING, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM OR ONE HUNDRED DOLLARS. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

11. Indemnity

You will indemnify and hold harmless Capital Ally from claims, losses and expenses (including reasonable legal fees) arising from information you provide, your breach of these Terms, or your use of the Site or our services.

12. Governing law and disputes

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules. Any dispute arising from these Terms, the Site or our services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, except that either party may bring an individual claim in small-claims court or seek injunctive relief for misuse of intellectual property. YOU AND CAPITAL ALLY WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION. You may opt out of this arbitration clause by emailing [email protected] within 30 days of first accepting these Terms.

13. State-specific notices

• California.Introductions to financing in California are made only to lenders and, where a licence is required for the activity, through parties licensed under the California Financing Law. The lender or provider delivers the disclosures required by California's commercial financing disclosure regulations where they apply.
• New York, Utah, Virginia, Georgia, Florida, Connecticut, Kansas and other states with commercial financing disclosure or broker registration laws: where our activity in a state falls within a registration or licensing requirement we comply with it or make the introduction through a registered party, and the lender or provider delivers the required disclosures before you sign.

14. General

These Terms, the Privacy Policy and the SMS Terms are the entire agreement between you and Capital Allyabout the Site, the membership and our services, and replace any earlier version. Any written fee agreement you sign with us controls over these Terms to the extent they conflict. If any provision is unenforceable the rest remains in effect. We may update these Terms by posting a new version with a new "last updated" date; continued use after that date is acceptance, except that a change to the membership price or billing takes effect only after the notice described in section 6. You may not assign these Terms; we may assign them to a successor.

15. Contact

Questions about these Terms: [email protected].