Terms of Service

Last Updated: February 11, 2026

Welcome to RFG USA INC. These Terms of Service ("Terms") govern your access to and use of our website, services, and products. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

2. Description of Services

RFG USA INC provides business funding services, including but not limited to:

• Working Capital Loans
• Revenue-Based Financing
• Business Growth Funding
• Short-Term Financing
• Equipment Financing

All funding services are subject to application, approval, and execution of appropriate funding agreements.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding contracts
• Operate a legitimate business entity
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. Application Process

When you submit an application for funding:

• You certify that all information provided is accurate and complete
• You authorize us to verify the information and conduct credit checks
• You understand that submission does not guarantee approval
• You agree to provide additional documentation if requested

We reserve the right to approve or deny any application at our sole discretion.

5. SMS Terms & Conditions

Consent to Receive Text Messages

If you provide your mobile phone number and consent to receive text messages from RFG USA INC by checking the SMS consent box on our contact form, you agree to the following:

• You expressly consent to receive text messages from RFG USA INC
• Messages may be sent using an automatic telephone dialing system
• Message frequency varies based on your interactions with us
• Standard message and data rates may apply as charged by your carrier
• Consent is not required to use our services or make a purchase

Types of Messages

Text messages may include:

• Application status updates
• Service notifications and reminders
• Important account information
• Security alerts
• Promotional messages (if you've opted in)

Automatic Telephone Dialing System

By consenting to receive text messages, you acknowledge and agree that RFG USA INC may use an automatic telephone dialing system to send messages to the mobile phone number you provide. You are not required to consent to these automated messages as a condition of purchasing or using any services from RFG USA INC.

Opting Out of Text Messages

You may opt out of receiving text messages at any time by:

• Replying STOP to any text message from us
• Emailing us at joseph@royalfundinggroup.com

After you send "STOP," you will receive one final confirmation message that you have been unsubscribed. You will not receive further messages unless you re-opt-in by contacting us or submitting a new consent.

Getting Help

For assistance with text messages, reply HELP to any message or contact us at joseph@royalfundinggroup.com.

Message and Data Rates

While RFG USA INC does not charge for text messages, standard message and data rates from your mobile carrier will apply. Please contact your mobile carrier for details about your specific plan.

Supported Carriers

Our text messaging service is available on most major carriers. If you change your mobile phone number or carrier, please update your information with us or opt out and re-opt-in with your new number.

6. Use of Website

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

• Use the website in any way that violates applicable laws or regulations
• Transmit any harmful or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the website or servers
• Use automated systems to access the website without permission
• Impersonate any person or entity

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of RFG USA INC and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or reproduce any content without our express written permission.

8. Funding Terms

Specific terms and conditions for funding products will be provided in separate funding agreements. These Terms do not constitute a funding offer or commitment. All funding is subject to:

• Completion of application and underwriting process
• Approval by RFG USA INC
• Execution of funding agreement
• Verification of information provided
• Compliance with all terms and conditions

9. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

10. Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free of viruses or harmful components
• Information provided is accurate or complete

11. Limitation of Liability

To the fullest extent permitted by law, RFG USA INC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of our services
• Any conduct or content of third parties
• Unauthorized access to our servers or your data
• Interruption or cessation of our services

12. Indemnification

You agree to indemnify, defend, and hold harmless RFG USA INC and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses arising from your use of our services, violation of these Terms, or violation of any rights of another party.

13. Third-Party Links

Our website may contain links to third-party websites. These links are provided for convenience only. We do not endorse or assume responsibility for the content, privacy policies, or practices of third-party sites.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

15. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use our services will immediately cease.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Brooklyn, New York.

17. Dispute Resolution

Any dispute arising from these Terms or our services shall first be attempted to be resolved through good faith negotiations. If negotiations fail, disputes may be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any funding agreements you enter into with us, constitute the entire agreement between you and RFG USA INC regarding the use of our services.

20. Contact Information

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

RFG USA INC
1141 E 10TH ST BROOKLYN, NY 11230
Brooklyn, NY 11230
Email: joseph@royalfundinggroup.com