Effective under applicable United States federal law. By accessing this website, you agree to these Terms & Conditions.
Acceptance of Terms. By accessing or using the Capital Growth Journey website ("Capital Growth Journey," "we," "our," or "us"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, our Privacy Policy, and all applicable federal, state, and local laws and regulations. If you do not agree with these terms, you should discontinue use of this website immediately.
Financial Services. Capital Growth Journey provides information regarding loans, insurance, investment advisory services, retirement planning, wealth management, and other financial products. Certain services may be offered directly by Capital Growth Journey, while others are provided through licensed affiliates, registered investment advisers, insurance agencies, banks, credit unions, or third-party financial institutions. Product availability may vary by jurisdiction and is subject to applicable licensing requirements.
No Financial, Legal, or Tax Advice. All content available on this website is provided solely for general informational and educational purposes. Nothing contained on this website constitutes personalized financial, legal, accounting, investment, or tax advice, nor should it be relied upon as a substitute for consultation with qualified professionals regarding your specific circumstances.
Loan Products. Loan products are subject to credit approval, underwriting standards, identity verification, income verification, and compliance with applicable federal and state lending laws, including the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Fair Credit Reporting Act (FCRA). Submission of an application does not guarantee approval, funding, or specific loan terms.
Investment Services. Investment advisory services may be provided by SEC-registered investment advisers or other appropriately licensed professionals where required. Registration with the U.S. Securities and Exchange Commission does not imply a particular level of skill or training. All investments involve risk, including the possible loss of principal, and past performance is not indicative of future results.
Insurance Products. Insurance products are offered through licensed insurance professionals and are underwritten by independent insurance carriers. Policy availability, premiums, exclusions, deductibles, benefits, and coverage limitations vary by insurer and by state. Insurance coverage becomes effective only after approval by the issuing carrier and payment of the applicable premium.
User Responsibilities. You agree to provide complete, accurate, and current information when submitting applications, creating accounts, or communicating with us. You are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account. You agree not to use this website for unlawful, fraudulent, or unauthorized purposes.
Electronic Communications. By submitting forms or creating an account, you consent to receive communications electronically, including disclosures, account notifications, statements, service updates, and other legally required communications via email or other electronic means, subject to applicable law.
Intellectual Property. All website content, including text, graphics, logos, software, trademarks, icons, images, designs, and other materials, is owned by or licensed to Capital Growth Journey and is protected by United States copyright, trademark, and intellectual property laws. No content may be copied, reproduced, distributed, modified, or used without prior written permission.
Website Availability. We strive to maintain uninterrupted access to our website; however, we do not guarantee continuous availability or error-free operation. We reserve the right to modify, suspend, restrict, or discontinue any portion of the website or our services at any time without prior notice.
Third-Party Services. This website may contain links to third-party websites, applications, or service providers. Capital Growth Journey does not control, endorse, or assume responsibility for the content, privacy practices, security, or services provided by any third party. Accessing third-party resources is done entirely at your own risk.
Limitation of Liability. To the fullest extent permitted by applicable law, Capital Growth Journey, its affiliates, officers, employees, agents, licensors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from or relating to your use of this website, reliance upon its content, inability to access services, or use of any financial products or services obtained through this website.
Indemnification. You agree to indemnify, defend, and hold harmless Capital Growth Journey and its affiliates from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys' fees, arising from your violation of these Terms & Conditions, misuse of the website, or infringement of any third-party rights.
Changes to These Terms. We reserve the right to modify these Terms & Conditions at any time. Updated versions will become effective immediately upon posting to this website unless otherwise stated. Your continued use of the website following any updates constitutes acceptance of the revised Terms & Conditions.
Governing Law. These Terms & Conditions shall be governed by and construed in accordance with applicable federal laws of the United States, without regard to conflict-of-law principles.
Dispute Resolution. Except where prohibited by applicable law, any dispute, claim, or controversy arising from or relating to these Terms & Conditions or your use of the website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA). Each party shall bear its own legal costs unless otherwise determined by the arbitrator or required by law.
Contact Information. If you have questions regarding these Terms & Conditions, please contact our Legal Department at legal@capitalgrowthjourney.com.