Each time you access our Site you are agreeing to the following terms:
As used in this Agreement, "Content" means, collectively, the text, data, graphics, images, scripts, photos, video files, audio files, and all meta data made available through the Site, regardless of who created or uploaded the Content. Unless modified, the term Content refers to all Content, including but not limited to the following categories of Content:
“User Content” means, collectively, the Content which you and other users of our Site (“Users”) upload to the Site, and which is intended to be visible to others. FI is under no obligation to allow User Content. We reserve the right to remove and permanently delete any third-party Content from the Site without notice. Unless otherwise specified, FI does not pre-screen, edit, or fact-check User Content.
“Company Content” means content created by companies (issuers, platforms and other intermediaries) and which is displayed on our Site, or information about companies that is in the public domain and displayed on our Site. Unless otherwise specified, FI does not pre-screen, edit or fact-check Company Content. Substantially all of the information about crowdfunding companies is “Company Content” as it is created by the issuers or their crowdfunding platforms.
“FI Content” means the Content we create and upload to the Site.
“Third-party Content” means Content created by a third party that we, or a third party with our consent, upload to the Site. We reserve the right to remove and permanently delete any third-party Content from the Site without notice. Unless otherwise specified, FI does not pre-screen, edit or fact-check third-party Content.
You must complete the registration process by providing us with current, complete and accurate information. You are solely responsible for updating any and all pertinent registration information. Failure to do so shall constitute a breach of the Terms, which may result in immediate termination of your Profile. You will also choose a password and a user name. FI reserves the right in its sole discretion to refuse registration of or cancel a User Name, and domain name. You are solely responsible for maintaining the confidentiality of your password and Profile. You agree to notify FI immediately in writing of any unauthorized use of your Profile or any other breach of security. You will not share your password, let anyone else access your Profile, or do anything else that might jeopardize the security of your Profile. You will not transfer your Profile to anyone without first getting our written permission. You acknowledge and agree that you are liable for any damages or losses to FI and other Users by any use of your Profile, either authorized or unauthorized.
You agree that your Profile will be self-directed and that you are solely responsible for all purchases, orders, investment decisions and instructions placed in your Profile. Although the Site may provide data, information or Third-Party Content, Company Content or FI Content relating to investment strategies and/or opportunities to buy and/or sell securities, you should not interpret any Content as tax, legal, financial, or investment advice by us or a recommendation by us to invest in any offering (“Offering”) posted on the Site. Any decision to invest shall be based solely on your own consideration and analysis of the risks involving a particular Offering and is made at your own risk. You acknowledge and agree that you are solely responsible for determining the suitability of an investment or strategy and accept the risks associated with such decisions, which include the risk of losing the entire amount of your principal. We have no special relationship with or fiduciary duty to you and your use of the Site or the Services does not create such a relationship. You agree and acknowledge that you are responsible for conducting your own legal, accounting and other due diligence review of the investment opportunities posted on the Site. You are strongly advised to consult a licensed legal professional and investment advisor for any legal, tax, insurance, or investment advice as the Site does not provide any of the foregoing advice or recommendations.
FI’s Site may be accessed and used only for lawful purposes. You agree to abide by all local, state, Federal and foreign laws, treaties and regulations that cover your use of FI’s Site. Additionally, you agree to abide by the following rules:
You must not do anything to violate or attempt to violate any security and access control provisions implemented in or in connection with the Site or the Content; or do anything to interfere or attempt to interfere with the operation of FI’s Site, the display of the Content, or the use of the Site by other Users.
By way of example only, we require that you do not:
You are also prohibited from:
You are also prohibited from:
This list of prohibitions and requirements above is illustrative and not intended to be complete or exclusive. FI reserves the right to prohibit your access to the Site for any action that FI, in its sole judgment, determines to be inappropriate or disruptive to the Site, or to any other User.
Remember, you are solely responsible for all activities on the Site initiated through your user name and password.
Also, we may refuse to grant you a screen name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive.
If we become aware of any breach of this Agreement or the foregoing rules we will investigate and may work with law enforcement authorities in such investigations and for the purpose of prosecuting offenders. You agree to notify FI immediately of any unauthorized use of your account or any other breach of security of which you become aware.
Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Site. YOU WAIVE AND HOLD HARMLESS FI AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY FI AND ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER FI OR SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.
FI reserves the right to moderate or review User or Company Content; however, the foregoing prohibitions do not impose on FI, and FI does not assume any obligation to monitor or remove any Content. By using the Site you hereby acknowledge and agree that you may be exposed to content that is offensive, indecent or objectionable to you. Your access to the Site is undertaken at your own risk and FI is not responsible for any offensive or otherwise objectionable materials in the Content.
We may provide links to other websites or resources over which FI does not have control ("External Websites"). Such links do not constitute an endorsement by FI of those External Websites. You acknowledge that FI is providing these links to you only as a convenience, and further agree that FI is not responsible for Third -Party Content of such External Websites or any business dealings you may have with such External Websites. Your use of External Websites is subject to the terms of service and privacy policies located on the linked External Websites.
FI’s Site may present information obtained from issuers and platforms concerning funding of companies. Because of the complexity of securities regulation, we currently do not allow any User comments about specific companies. Comments naming or providing information that clearly indicates a specific company may be deleted.
FI hosts Offerings made under Regulation A, Regulation D and Regulation Crowdfunding Offerings.
Regulation A - These securities Offerings are available to U.S. investors who are “accredited investors” as defined by Rule 501 of Regulation D under the Securities Act of 1933, as amended (the “Securities Act”) as well as non-accredited investors subject to certain investment limitations as set forth in Regulation A, as amended, under the Securities Act (popularly known as “Reg A+”).
Regulation D - These securities Offerings are only available to U.S. investors who are “accredited investors” as defined by Rule 501 of Regulation D under the Securities Act and are made under Rule 506(c) of Regulation D.
Regulation Crowdfunding - These securities Offerings are available to U.S. accredited and non-accredited investors subject to certain investment limitations as set forth under Regulation Crowdfunding under the Securities Act.
Before you can invest in any of the securities Offerings on the Site, you must register with the Site or platform and qualify either as an Accredited Investor or represent that you will meet the investment thresholds as required by the applicable offering. Prior to investing, you may be asked to fill out a certification and provide necessary documentation as proof of your income and/or net worth to verify that you are qualified to invest in Offerings posted on this Site. You acknowledge and agree that all information you provide for the registration is complete and accurate. By registering with the Site or platform for purposes of subscribing to securities Offerings as an Accredited Investor, you represent and warrant that you come within at least one of the following categories:
By registering with the Site for purposes of subscribing to any Offering that permits non-accredited investors (“Applicable Offering”), you represent and warrant that your investment in any such Applicable Offering posted on this site will not exceed the greater of 10% of your annual income or 10% of your net worth (excluding the value of your primary residence). YOU MUST MEET ONE OF THE ABOVE CRITERIA. WE ARE ENTITLED TO AND WILL RELY UPON YOUR REPRESENTATIONS. You agree that, should any material changes occur that might affect your status as an Accredited Investor, you shall immediately provide FI with notice in writing.
Federal securities law requires securities offered or sold in the United States to be registered with the U.S. Securities and Exchange Commission (“SEC”), unless the offer or sale qualifies for an exemption. FI hosts Offerings made under Regulation A, Regulation D and Regulation Crowdfunding Offerings.
Regulation A - The securities offered on the Site for Regulation A have not been registered under the Securities Act, in reliance on the exemption promulgated under Regulation A, as amended by Title IV of the Jumpstart Our Business Startups Act 2012 (the “JOBS Act”), known as “Reg A+”. In a Reg A+ Offering, Issuers may advertise or market their Offerings via “testing the waters” communications to the general public, or pay third parties to do so, subject to certain conditions. Federal law requires that Issuers sell securities to Accredited Investors or Qualified Purchasers who represent they satisfy the investment status before accepting subscriptions, among other requirements. Users, whether Accredited Investors or Qualified Purchasers, agree to cooperate with any requests for additional information or documentation.
Regulation D - Rule 506 of Regulation D is a "safe harbor" for the private Offering exemption of Section 4(a)(2) of the Securities Act. Companies relying on the Rule 506 exemption can raise an unlimited amount of money. There are two distinct exemptions that fall under Rule 506 both of which FI offers. Under Rule 506(c), a company can broadly solicit and generally advertise the Offering, but still be deemed to be undertaking a private Offering within Section 4(a)(2) if: the investors in the Offering are all accredited investors; and the company has taken reasonable steps to verify that its investors are accredited investors, which could include reviewing documentation, such as W-2s, tax returns, bank and brokerage statements, credit reports and the like. Each Issuer is solely responsible for ensuring that its securities Offering, including without limitation the use of the Site to offer and sell securities, the determination of whether an investor is an Accredited Investor and whether any investment complies with applicable state and Federal securities laws, rules and regulations.
For both Regulation A and Regulation D, each Issuer is solely responsible for ensuring that its securities Offering, including without limitation the use of the Site to offer and sell securities, the determination of whether an investor is an Accredited Investor and whether any investment complies with applicable state and Federal securities laws, rules and regulations. Notwithstanding the foregoing, each Issuer is responsible for ensuring that any information it posts on the Site is complete, accurate and not otherwise misleading. Users of the Site acknowledge that FI is not liable to and will not verify or investigate the accuracy and completeness of the Offering material and other information posted on the Site. Users understand, acknowledge and agree that other parties are relying on the statements made herein and that any willfully false statement is sufficient cause for removal from the Site, rejection of eligible investor status, along with other legal causes of action. You are strongly encouraged to contact each Issuer directly to discuss any questions regarding an Offering or the business prospects of the Issuer.
Regulation Crowdfunding - Title III of the JOBS Act added Securities Act Section 4(a)(6) that provides an exemption from registration for certain crowdfunding transactions. In 2015, the Commission adopted Regulation Crowdfunding to implement the requirements of Title III. A company issuing securities in reliance on Regulation Crowdfunding (an “issuer”) is permitted to raise a maximum aggregate amount of $1,070,000 in a 12-month period. Criteria for companies to list on FI: Company is currently operating in the US and has intention to raise capital for their business from the crowd; Company passes our due-diligence process before launching on FI; Company meets and additional requirements as identified by the SEC. All Bad Actors will be rejected. All companies that meet these criteria are able to conduct an Offering on FI.
No Disqualifying Events
Each Issuer warrants and represents that none of its predecessors, any affiliated issuer, any director, executive officer, other officer of the Issuer participating in the Offering, any investment managers and their principals, any beneficial owner of 20% or more of the Issuer’s outstanding voting equity securities, calculated on the basis of voting power, any promoter (as defined in Rule 405 of the Securities Act) connected with the Issuer in any capacity at the time of sale nor any compensated solicitor or any director, executive officer, other officer of the compensated solicitor participating in the Offering (each, an “Issuer Covered Person” and collectively, “Issuer Covered Persons”) is subject to any of the “Bad Actor” disqualifying events described in Rule 262 under the Securities Act (a “Disqualifying Event”). Each Issuer warrants and represents that it has exercised reasonable care to determine whether any Issuer Covered Person is subject to a Disqualifying Event and will promptly notify subscribed investors in writing should any Disqualifying Events occur or prior Disqualifying Events come to the Issuer’s notice despite its reasonable efforts to discover and immediately consult their legal counsel.
The securities offered on the Site are only suitable for prospective investors who are familiar with and willing to accept the high risks associated with private investments, including the risk of complete loss of your investment. Investing in private placements requires high risk tolerance, low liquidity need, and long-term commitments. Users must be able to afford to lose their entire investment. Investment products are not FDIC insured, may lose value, and there is no bank guarantee.
Users must read each Issuer’s Offering memorandum and transaction documents for more information and discuss any questions with each Issuer directly prior to investing. No assurance can be given that any Offering currently qualifies or will continue to qualify under one or more of such exemptive provisions due to, among other things, the adequacy of disclosure and the manner of distribution, the existence of similar Offerings in the past or in the future, or a change of any securities law or regulation that has retroactive effect. No governmental agency has reviewed the Offerings posted on this Site and no state or federal agency has passed upon either the adequacy of the disclosure contained herein or the fairness of the terms of any Offering. The exemptions relied upon for such Offerings are significantly dependent upon the accuracy of the representations of the Users to be made to the Site and Issuers on the Site in connection with an Offering. In the event that any such representations prove to be untrue, the registration exemptions relied upon by an Issuer in selling the securities might not be available and substantial liability to such Issuer would result under applicable securities laws for rescission or damages. These risks are non-exhaustive and are intended to highlight certain risks associated with investing in securities that are not registered with the SEC. WE STRONGLY ADVISE YOU TO CONSULT A LEGAL, TAX AND FINANCIAL PROFESSIONAL BEFORE INVESTING, AND CAREFULLY REVIEW ALL THE SPECIFIC RISK DISCLOSURES PROVIDED AS PART OF ANY OFFERING MATERIALS AND ASK THE ISSUER ANY QUESTIONS YOU MAY HAVE OR REQUEST ADDITIONAL INFORMATION.
FI is a FINRA registered funding portal and receives compensation calculated by reference to the purchase or sale of securities through the Site for services provided for live Offerings. BCTriangle Funding Portal is not a registered broker-dealer, investment adviser or investment manager, and does not offer investment advice or recommend or otherwise suggest that any investor make an investment in a particular Offering.
By accessing FI’s Site and/or submitting User or Company Content to our Site you agree that you will:
In other words – YOU WILL BE HELD FULLY LIABLE FOR WHATEVER YOU UPLOAD OR POST TO OUR SITE. AND IF WE GET SUED BECAUSE OF SOMETHING YOU UPLOADED OR POSTED, YOU WILL HAVE TO PAY FOR US TO DEFEND THAT LAWSUIT.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Site will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE SITE, THEIR CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. FI has no special relationship with or fiduciary duty to you. You acknowledge that FI has no control over, and no duty to take any action regarding: which users gains access to the Site; what Content you access via the Site; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. THE SITE, THEIR CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER FI NOR ANY PERSON ASSOCIATED WITH FI MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, NEITHER FI NOR ANYONE ASSOCIATED WITH FI REPRESENTS OR WARRANTS THAT THE SITE, THE CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, FI HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL FI, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON ANY OF THE SITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE OR EVEN IF FI WAS INFORMED OF THE POSSIBILITY OF SUCH DAMAGES.
NEITHER FI NOR ANY OF ITS OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNERS, AGENTS, and REPRESENTATIVES, THIRD- PARTY SERVICE PROVIDERS OR CONTENT PROVIDERS SHALL BE LIABLE TO YOU OR ANY THIRD PARTY FOR MORE THAN AN AGGREGATE AMOUNT OF FIVE HUNDRED DOLLARS ($500.00).
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
FI respects the intellectual property of others, and we ask you to do the same. If you believe that your work has been copied on the Site in a way that constitutes copyright infringement, please provide our copyright agent with the following information:
Our Copyright Agent for notice of claims of copyright infringement on the Site is on finteractions.com who can be reached as follows:
Attention: Support Desk
By mail: 1313 North Market Street Wilmington, DE 19801
By email: firstname.lastname@example.org
Except as expressly provided in these Terms, there shall be no third-party beneficiaries to the Terms. We have the right to assign our rights or delegate any of our responsibilities under these Terms to an affiliate or in connection with a merger, consolidation or reorganization of FI or the sale of substantially all of our assets.
FI may terminate your access to all or any part of the Site and Service at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. If you wish to terminate your account, you may do so by following the instructions on the Site. All provisions of this Agreement shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.
FI controls and operates this Site from its headquarters in the State of Delaware in the United States. It makes no representation that the Content is appropriate or will be available for use in locations other than the United States. If you use this Site from outside Delaware or the United States, you are entirely responsible for compliance with applicable local laws, including but not limited to the export and import regulations of other countries in relation to the Content.