Terms and Conditions

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("Client," "User," or "you") and Velocity Business LLC, a Georgia limited liability company with its principal place of business at 202 Bradley Street, Suite 5, Carrollton, Georgia 30117 ("Company," "we," "us," or "our"), operating the capTRU Business Debt Relief platform and all associated services accessible at captru.com and any related subdomains (collectively, the "Platform").

By accessing or using the Platform, submitting an inquiry, enrolling in any program, or communicating with us through any channel, including but not limited to telephone, SMS, email, web form, or AI-assisted voice, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree, you must immediately discontinue use of the Platform and all associated services.

Velocity Business LLC provides MCA (Merchant Cash Advance) debt relief consulting, case management, negotiation support, financial analysis, and related advisory services through the capTRU Business Debt Relief platform. Services may include client intake and identity verification, financial analysis of MCA agreements, bank statement analysis, negotiation support and settlement facilitation, AI-powered legal triage, secure client portal access, document management, and attorney referral coordination.

The Platform is intended for use by business owners, authorized representatives of business entities, and their designated agents. You represent and warrant that: (a) you are at least eighteen (18) years of age; (b) you have the legal authority to enter into these Terms on behalf of yourself and, if applicable, the business entity you represent; (c) all information you provide is accurate, complete, and current; and (d) your use of the Platform does not violate any applicable law, regulation, or contractual obligation.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at info@captru.com if you suspect unauthorized access.

Upon successful settlement of an MCA obligation, the Company's compensation is a performance fee calculated as a percentage of the amount saved. The specific percentage is disclosed in your individual Service Agreement prior to enrollment. No fee is earned or collectible unless and until a settlement is documented and accepted by you.

You agree to: (a) provide accurate, complete, and timely information about your MCA obligations and financial condition; (b) promptly respond to communications from the Company; (c) not independently contact MCA funders regarding settlement negotiations without prior written authorization, as unauthorized contact may compromise negotiation strategy; (d) maintain adequate funds in designated accounts as required by your Service Agreement; (e) notify the Company immediately of any lawsuits, legal notices, UCC filings, bank levies, or other legal actions taken by any MCA funder; and (f) not use the Platform for any unlawful purpose.

The Company uses third-party identity verification services, including Stripe Identity, to verify the identity of enrolled clients. By submitting to identity verification, you consent to the collection and processing of your government-issued identification document and biometric data (including facial image comparison) by the Company and its verification service providers, solely for identity verification and fraud prevention. Biometric data is processed in accordance with applicable state biometric privacy laws, including the Illinois Biometric Information Privacy Act (BIPA) where applicable.

All content on the Platform, including text, graphics, logos, software, AI models, and data compilations, is the proprietary property of Velocity Business LLC or its licensors and is protected by United States and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal or business use in connection with the services described herein.

The Platform was created, customized, and powered by Velocity Business LLC.

The Platform and all services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. The Company does not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components. The Company does not warrant any specific outcome with respect to debt settlement negotiations or results.

To the maximum extent permitted by applicable law, in no event shall Velocity Business LLC, its officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to loss of profits, loss of data, or business interruption, arising out of or in connection with these Terms or your use of the Platform.

The Company's total cumulative liability to you for any claims arising out of or related to these Terms or the services shall not exceed the total fees paid by you to the Company in the twelve (12) months preceding the claim.

These Terms are governed by the laws of the State of Georgia, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall take place in Carroll County, Georgia. You waive any right to participate in a class action lawsuit or class-wide arbitration.

The Company reserves the right to modify these Terms at any time. Material changes will be communicated by posting the updated Terms on the Platform with a revised "Last Updated" date and, where practicable, by email notification to enrolled clients. Your continued use of the Platform after the effective date of any modification constitutes your acceptance of the revised Terms.