Effective Date: March 17, 2026
Welcome to M&S Investment Capital LLC ("M&S," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website mandsinvestmentcapital.com and any related services we provide (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.
You must be at least 18 years of age to use our Services. By using the Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:
M&S Investment Capital LLC provides financial services and direct lending solutions. Information provided on our website is for general informational purposes only and does not constitute financial advice, legal advice, or a commitment to lend.
All lending decisions are subject to credit approval, underwriting review, and compliance with our lending criteria. Terms, rates, and conditions vary based on individual circumstances. We reserve the right to decline any application at our sole discretion.
You should consult with qualified financial and legal professionals before making any financial decisions.
By providing your mobile phone number and opting in to receive SMS/MMS messages from M&S Investment Capital LLC, you expressly consent to receive recurring marketing and promotional messages sent using an automated telephone dialing system (ATDS).
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan. You are responsible for any charges imposed by your carrier.
You can opt out of receiving SMS messages at any time by replying STOP to any message. You will receive a one-time confirmation message confirming your opt-out. After opting out, you will no longer receive SMS messages from us unless you re-subscribe.
For assistance, reply HELP to any message or contact us at ms@mandsinvestmentcapital.com.
Consent is NOT a condition of purchase. You are not required to agree to receive SMS messages as a condition of purchasing any goods or services from M&S Investment Capital LLC. You may still access our financial services without opting in to SMS communications.
We may use an automated telephone dialing system to deliver these messages. By consenting, you acknowledge that standard message and data rates may apply and that consent is not required for purchase.
All content, features, and functionality of the Services, including but not limited to text, graphics, logos, images, and software, are the exclusive property of M&S Investment Capital LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from the Services without our prior written permission.
Our Services may contain links to third-party websites or services that are not owned or controlled by M&S Investment Capital LLC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that M&S Investment Capital LLC shall not be responsible or liable for any damage or loss caused by your use of any third-party websites or services.
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS 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.
We do not warrant that the Services will be uninterrupted, error-free, or free of viruses or other harmful components.
TO THE FULLEST EXTENT PERMITTED BY LAW, M&S INVESTMENT CAPITAL LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICES.
You agree to defend, indemnify, and hold harmless M&S Investment Capital LLC, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services or your violation of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which M&S Investment Capital LLC is headquartered, without regard to conflict of law principles.
Any disputes arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting on this page with an updated "Effective Date." Your continued use of the Services after any changes constitutes your acceptance of the new Terms.
We encourage you to review these Terms periodically for any updates.
We reserve the right to suspend or terminate your access to the Services at any time, with or without cause or notice, for any reason, including if we believe you have violated these Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and M&S Investment Capital LLC regarding the use of the Services and supersede any prior agreements.
If you have any questions or concerns about these Terms of Service, please contact us:
M&S Investment Capital LLC
Email: ms@mandsinvestmentcapital.com