Welcome to the Point Capital Services (“Point Capital” or “we”) website. By visiting or using this site and the services accessible from this site, you signify your assent to both these Terms and Conditions (“Terms”). These Terms apply to your use of the Site and can be changed at our sole discretion without notification. Your continued use of the Site following the posting of any changes or modifications to the Agreement constitutes acceptance of the modified Terms. We suggest that you periodically review these Terms to stay informed. Your agreement to these Terms also includes our Privacy Policy, and it controls your use of the Site. This Site is not for unauthorized access. Point Capital Services may terminate or suspend your access for violation of these Terms and take any other action available at law or in equity. Although the Site may contain references to our product and services, nothing on the Site is a guarantee in any manner that such information is accurate, complete, or reliable and you use the Site at your own risk. This Agreement in no way entitles you to access the Site if you do not agree with this Agreement. Thank you for visiting Point Capital Services.

General information on the Site relates to products and services of Point Capital Services, subject to eligibility, restrictions, and final approval. While every reasonable effort is made to ensure the accuracy of the Site, it may at times contain errors, and inaccurate or out-of-date information, the responsibility for which is disclaimed. All text, graphics, and links contain general information only and in no way should be construed as financial advice or any form of guarantee. Dated information reflects the date of publication only and may not at any time be updated. Users should take the precaution of verifying details before acting on that basis. Point Capital reserves the right to change or modify its information without prior notice.

Access to the Point Capital Services website is conditioned by strict guidelines, which have been put in place to ensure Web security, compliance, and ease of use. By accessing this website, you agree to the terms and conditions of this document and acknowledge that you are responsible for being aware of such provisions.

The site is intended for audiences that are 18 years and older. Accessing this site from areas or countries where its content has been declared illegal is prohibited. Users agree that they will at all times comply with all applicable local, national, and international laws governing their use of the website.

To use this site effectively, you must possess the following technical requirements:

• Stable Internet Connection: It requires stable Internet connectivity for the easy running of processes on the website.
• Compatible Browser: This website is best viewed through current and updated web browsers. Ensure your browser fully supports the latest web standards to avoid technical problems.
• Device Readiness: Users will prepare and maintain devices, hardware, and software that may reach the site at all times. Users will solely be responsible for their respective costs associated with obtaining and maintaining this equipment.

Although Point Capital Services will do its best to provide continuous access to its website, it may be unavailable sometimes for reasons beyond its control, including:

• Scheduled maintenance for performance enhancement for better user experience or updating system functionalities.
• Technical malfunction of servers, networks, or software.
• High volume of traffic may cause periodic restrictions on access.

The site may, from time to time, be taken down without notice for updating, maintenance, or other administrative purposes. Point Capital Services will not be responsible for any losses arising out of such shutdowns.

Content and services provided by the website are for personal, non-commercial use only. The User must access the Website for lawful and legitimate transactions only. The use of the Website in any other course, other than intended, is strictly prohibited.

To ensure equal and safe usage of the platform for one and all, any of the following actions is strictly prohibited:

• Access to Unauthorized Data: Trying to access data, systems, or accounts that you should not be viewing or using.
• Commercial Exploitation: Using the website for any commercial purpose without explicit, written permission of Point Capital Services.
• Data Collection and Harvesting: The gathering, scraping, or collection of information of any other user without their consent is strictly against the terms.
• Service Disruption: This includes any actions intended to disturb the normal functioning of the site, infecting it with viruses, overloading the servers, or disrupting website infrastructure.
• Misrepresentation: Falsely representing your identity, affiliations, or purpose while using the site or interacting with site users.
• Unlawful Use: Utilizing the website for purposes other than the law, fraudulent, or causing harm to others.

• Immediate termination of your access to the website.
• Potential legal action, including claims for damages.
• Reporting unlawful activities to the concerned legal authority.

All materials on this website, including text, images, logos, designs, and other information, are owned or licensed by Point Capital Services. You may download material displayed on this website for non-commercial, personal use only, provided that you also retain all copyright and other proprietary notices contained on the materials.

The following activities, with respect to the intellectual property of the website, are strictly prohibited:

• Reposting or redistributing any part of the content.
• Framing or linking to the website in a manner that would misrepresent the ownership or content of the website.
• Reverse engineering of any part of the site or any of its functionalities.
• Using content from the site for any unlawful, harmful, or fraudulent intent.

As the user, it is your responsibility to make sure your actions do not conflict with these terms. This includes:

• Maintaining the security of your account credentials, including your password.
• Promptly reporting suspicious or unauthorized activity to Point Capital Services.
• Ensuring that your use of the website complies with applicable legal standards.

Point Capital Services strives to keep this website accurate, reliable, and available. However, it expressly disclaims all liability for any delays, inaccuracies, or unavailability of the site. The User acknowledges that the Company could not be liable for any loss or damage caused by a User’s reliance on information obtained through this Service, or for the consequence of any use of such information, either directly or indirectly, arising from:

• Temporary or permanent non-availability of the site.
• Unauthorized access to users’ accounts.
• Website content errors or omissions.

By using the website, Point Capital Services reserves the right to monitor user activity on the website to ensure compliance with these terms. Any detected violations may result in restricted access, account termination, or legal proceedings.

You are agreeing to receive SMS or MMS from Point Capital Services . Message frequency may vary. Standard Message and Data Rates may apply. Reply STOP to opt out. Reply Help for help.

Privacy Policy

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All OPT-IN requests include text messaging originator opt-in data and consent; this information will not be shared with third parties.

Failure to abide by these terms may result in serious consequences, including:

• Terminating Your Access: Immediately terminating or restricting your use of the website.
• Legal Action: Proceedings may be either civil or criminal depending on the very nature of the violation.
• Financial Damages: Claims due to damages sustained by Point Capital Services or its users.

By using the Point Capital Services website, you agree to be bound by the terms of this agreement, which is intended to protect users and provide a safe, lawful, and enjoyable experience. For this purpose, users are advised to check this page from time to time for any changes in these terms, as Point Capital Services reserves the right to change these guidelines without prior notice.

By posting content on the Site, other than personal data, you grant Point Capital Services a right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Point Capital Services the right to use the name that you submit in connection with such content. You also grant the right to advertise and promote such content, with or without using your name, without:

1. Obtaining any further permission, except to the degree that such is impossible to attain under the law.
2. Giving notice, credit, or compensation to you or any third party.

Please note that Point Capital Services is under no obligation to store, monitor, or return any user-generated content and reserves the right to remove or discard submissions at its sole discretion.

You are fully responsible for ensuring that any content you submit complies with applicable laws, including intellectual property and privacy rights of others. Consequently, Point Capital Services will not be liable for any content that violates these standards. In submitting content, you represent that you have all necessary rights and permissions to do so. Content determined by Point Capital Service to be inappropriate, illegal, or in violation of these Terms is subject to moderation or removal without notice. Therefore, users are forbidden to submit any content that has the potential to violate another party’s rights in any manner. Point Capital Services holds the right to enforce any of these terms to maintain compliance and preserve its operations, as well as those of other users.

The Site may contain links to other sites. These links are provided solely as a convenience to you and do not constitute an endorsement of those other sites by Point Capital Services or take any responsibility whatsoever for the accuracy, completeness, content, or security practices of such other sites. Any dealings you have with any third-party website are between you and the third party and are subject to any terms, conditions, and privacy policies of such websites. You agree that the use of linked third-party sites is entirely at your own risk.

Any views or information transmitted by employees or agents of Point Capital Services in respect of entities other than themselves are not binding on nor representative of views of Point Capital Services. These views and opinions are those of the individual and do not reflect the opinion of Point Capital Services. We are not liable for any loss, damage, or inconvenience arising in respect of using third-party websites or relying on content from third-party sites linked to our Site.

At Point Capital Services, from time to time on our website or our social media pages, we may include content or links from other third parties. In no event does such linking or content constitute an endorsement of any person, organization, or service. Those are solely the views of the respective authors and do not represent the policies or positions of Point Capital Services or any of its affiliates. We do not accept any responsibility for the accuracy, content, or privacy practices of third-party sites to which we may link from this site, and we recommend that users always acquaint themselves with those terms and policies. Every user acknowledges that Point Capital Services does not endorse or accept any liability or other responsibility for any third-party content in any way.

By accessing Point Capital Services over the Site or other platforms, including liking any of our social media pages, or by providing us with your contact information, you are specifically giving your consent to be contacted via email, phone, or social media by us. You give this consent to enable us to contact you for follow-ups, promotions, or specified information on our products and services. Your interaction with our platforms serves as an agreement to this communication, which you can opt out of at any time by following the appropriate steps provided.

Please note that email correspondence involves a set of risks, such as possible unauthorized access or technical failure, and is not unconditional in its security. We therefore recommend using email only for nonurgent and less sensitive matters. Please communicate with us through other means that ensure information safety for you and prompt addressing of your concerns.

It is the policy of Point Capital Services to take reasonable measures and endeavor to protect the security and confidentiality of your personal information. Our goal is to minimize risks and protect your data against unauthorized access through the application of robust administrative, technical, and physical safeguards, including encryption of data transmissions, authentication, and verification procedures, and integrity tests on systems hosting your data. However, as internet communication exists in an environment beyond our completely controlled setting, no security can be fully guaranteed.

To increase your safety online, we strongly recommend that you implement personal security habits: install antivirus protection software or tools, use strong, unique passwords, and keep an eye out for suspicious links or messages.

We take unauthorized access to our systems very seriously. Tampering and misuse of our platform may lead to civil and criminal penalties. While we maintain active monitoring and advanced measures for detection and fraud prevention, the user also has an important role to play in maintaining account safety. Regular software updating, multi-factor authentication, and staying informed about cybersecurity best practices are just some of the painless ways to keep accounts and data secure. Together, we can further create a secure and reliable environment for everyone involved.

If you suspect any breach in security or unauthorized use of your account, kindly inform us immediately. The sooner you report, the faster we can take quick action on potential threats and risks and support you in restoring the integrity of your account. Similarly, our committed support is always ready to help with solutions and recommendations for improving your online safety. At Point Capital Services, we believe in a partnership driven by trust and security; that is, a safe digital environment for our customers.

The content and services available on this Site are provided “as is,” without any express or implied warranties. Point Capital Services hereby expressly disclaims, to the maximum extent permitted by applicable law, all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement of intellectual property rights. Although we take reasonable care to provide accurate and reliable content, we do not warrant that the Site will be error-free, uninterrupted, or completely secure. Users must assess independently the relevance of the Site to their needs and bear all risks associated with its use.

Point Capital Services could not be liable for any damages whatsoever, including but not limited to direct, indirect, incidental, punitive, consequential, or other losses resulting from the use or inability to use the Site, whether in an action of contract, nature, or other tortious actions. Examples include but are not limited to losses of data, revenue, profits, business opportunities, or disruption caused by system failures or technical errors. Some states do not allow the exclusion or limitation of liability for certain damages. Therefore, some of the limitations in these disclaimers may not relate to you. You should ascertain the current applicable laws in your area about the limitation of liability.

By using the Site, you agree to indemnify and hold harmless Point Capital Services and its employees, directors, and affiliates, from any claims, damages, or liabilities resulting from your actions. This includes but is not limited to, any violation by you of these Terms or any other misuse of the Site. You are responsible for ensuring that your activities on the platform are lawful and do not infringe the rights of others. This undertaking of indemnification further leads to the commitment to responsible usage, thereby ensuring a safe and compliant environment for all users.

For any questions or clarifications regarding these Terms and Conditions, please feel free to contact Point Capital Services. We are always happy to explain and help out our users.