— Legal

Terms of Use

Effective Date: 6/22/2026

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your use of pyncapital.com and any related website, form, communication, or service offered by Pyn, LLC, doing business as Pyn Capital (“Pyn Capital,” “we,” “us,” or “our”). By using the website, you agree to these Terms. If you do not agree, do not use the website.

2. Our Role and Financing Disclosures

Pyn Capital offers business financing solutions and may act as a direct financing provider, lender, broker, referral source, marketplace participant, service provider, or other intermediary depending on the product, applicant, provider, and transaction. We may refer or submit information to third-party financing providers.

Nothing on this website constitutes a commitment to lend, a guarantee of approval, financial advice, legal advice, tax advice, or an offer of a specific financing product. Financing products, amounts, rates, costs, terms, collateral requirements, personal-guaranty requirements, payment structures, and funding times vary. All financing is subject to application, underwriting, eligibility, documentation, provider approval, applicable law, and final agreements.

3. Business Purpose

Unless expressly stated otherwise in a final written agreement, products promoted through this website are intended for commercial or business purposes and not for personal, family, or household use.

4. Accuracy of Information

You agree to provide accurate, current, and complete information. You authorize us and relevant providers to rely on the information you submit and to request additional documentation. You are responsible for reviewing all final agreements before accepting any financing.

5. Electronic Communications

You consent to receive communications electronically, including by email, website, electronic signature platform, and other digital means. Electronic communications satisfy legal writing requirements to the extent permitted by law.

6. SMS Messaging Terms

When you voluntarily provide your mobile number and affirmatively opt in, you agree to receive conversational and informational text messages from Pyn Capital. Messages may relate to your inquiry, financing application, requested information, document reminders, appointments, application status, account or servicing matters, and customer support.

Program name: Pyn Capital Customer Communications
Message frequency: Varies based on your interactions and application activity.
Cost: Message and data rates may apply.
Opt out: Reply STOP to unsubscribe. You may receive one final confirmation message.
Help: Reply HELP or contact [email protected].
Consent: Consent to receive SMS messages is not a condition of applying for or obtaining financing.
Carriers: Wireless carriers are not liable for delayed or undelivered messages.
Privacy: Mobile information and text-message consent are handled as described in our Privacy Policy.

You represent that you are the subscriber or customary user of the mobile number provided and that you are authorized to consent to messages at that number. Notify us if your number changes.

7. Acceptable Use

You may not misuse the website, interfere with its operation, submit fraudulent information, attempt unauthorized access, introduce malicious code, scrape content without permission, impersonate another person, or use the website unlawfully.

8. Intellectual Property

The website and its content, branding, graphics, software, and materials are owned by or licensed to Pyn Capital and protected by applicable intellectual-property laws. Limited personal or internal business use is permitted; no other license is granted.

9. Third-Party Services

We may use or link to third-party services, including financing providers, credit bureaus, identity-verification services, electronic-signature platforms, analytics tools, and payment or communications providers. Their terms and policies may apply separately.

10. Disclaimer of Warranties

The website is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim express and implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and security.

11. Limitation of Liability

To the fullest extent permitted by law, Pyn Capital and its affiliates, officers, employees, agents, providers, and partners will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, lost profits, lost revenue, lost data, or business interruption arising from or related to the website or services.

12. Indemnification

You agree to indemnify and hold harmless Pyn Capital and its affiliates, officers, employees, and agents from claims, losses, liabilities, costs, and expenses arising from your misuse of the website, violation of these Terms, or submission of inaccurate or unauthorized information.

13. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles, except where applicable law requires otherwise. Venue for disputes will lie in an appropriate court located in Tennessee unless a final agreement provides otherwise.