Terms & Conditions

1. Acceptance of Terms

By accessing and using the services of Strategic Capital Advisory ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Services

Strategic Capital Advisory provides comprehensive financial services including but not limited to:

• Personal, home, auto, business, and education loans
• Insurance services (health, home, auto, life, travel)
• Investment and wealth management services
• Financial consulting and planning services

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Comply with all applicable laws and regulations

4. Financial Services Terms

4.1 Loan Services

All loans are subject to credit approval and verification. Terms and conditions vary based on the type of loan, your creditworthiness, and other factors. Interest rates and fees will be disclosed at the time of application.

4.2 Insurance Services

Insurance coverage is subject to the terms and conditions of the specific insurance policy. Coverage begins only after policy activation and premium payment.

4.3 Investment Services

Investment products involve risk, including potential loss of principal. Past performance does not guarantee future results. All investments are subject to market fluctuations.

5. Fees and Charges

You agree to pay all fees and charges associated with our services as disclosed at the time of service initiation. Fees may include but are not limited to:

• Application fees
• Processing fees
• Service fees
• Late payment charges
• Other charges as disclosed in your service agreement

6. Privacy and Confidentiality

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these terms by reference.

7. Intellectual Property

All content, features, and functionality of our website and services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of Strategic Capital Advisory and are protected by copyright, trademark, and other intellectual property laws.

8. Disclaimers

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Limitation of Liability

In no event shall Strategic Capital Advisory be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.

10. Indemnification

You agree to indemnify and hold harmless Strategic Capital Advisory and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from your use of our services.

11. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Iowa, United States, without regard to its conflict of law provisions.

13. Dispute Resolution

Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. It is your responsibility to review these Terms periodically for changes. Your continued use of our services following the posting of any changes constitutes acceptance of those changes.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and Strategic Capital Advisory regarding the use of our services and supersede all prior agreements and understandings.

17. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

Strategic Capital Advisory
1478 Mahlon Street, Piscataway, NJ 08854 Phone: +1 732-966-0803
Email: info@strategiccapitaladvisory.org

18. Acknowledgment

By using our services, you acknowledge that you have read these Terms and Conditions, understood them, and agree to be bound by them.