Terms of Use

Effective date: May 1, 2026  |  Cornovus Capital LLC

These Terms of Use ("Terms") govern your access to and use of the Cornovus Capital LLC ("Cornovus Capital," "we," "us," or "our") website, digital content, educational materials, market reports, technology tools, email communications, and online forms (collectively, the "Website"). By accessing or using the Website, you agree to be bound by these Terms in full. These Terms are intentionally comprehensive and designed to protect Cornovus Capital on all reasonable fronts. If you do not agree with any portion of these Terms, you must discontinue use of the Website immediately.

1. Acceptance of Terms and Eligibility

By using this Website, you represent and warrant that:

• you are at least 18 years of age;
• you are accessing the Website for business, commercial, or investment-related purposes and not for personal consumer credit;
• you have the authority to act on behalf of any business entity you represent; and
• your use of the Website will comply with these Terms and all applicable laws and regulations.

2. Informational Use Only - No Financial, Legal, Tax, or Investment Advice

All content provided through the Website, including articles, market reports, case studies, scenarios, tools, calculators, and commentary, is for general informational and educational purposes only. Nothing on the Website constitutes or should be relied upon as:

• financial or investment advice;
• legal, tax, or accounting advice;
• recommendations to enter into any specific transaction;
• loan underwriting, credit approval, or risk grading; or
• a substitute for independent professional judgment.

You are solely responsible for consulting with qualified legal, tax, financial, and other professional advisors before making any decisions based on information obtained from the Website.

3. Advisory Firm Status - Not a Lender or Broker-Dealer

Cornovus Capital LLC is a commercial capital advisory firm. We are not:

• a bank, credit union, or depository institution;
• a consumer lender or mortgage company;
• a broker-dealer or investment advisor registered under federal or state securities laws;
• a residential mortgage broker; or
• a direct lender issuing loan commitments or binding credit offers in our own name.

We structure and coordinate commercial financing through independent third-party lenders and capital providers. All credit decisions, loan approvals, and final terms are made exclusively by those third-party institutions.

4. No Loan Commitment, Approval, or Guarantee of Financing

The Website may include program descriptions, example structures, pro forma scenarios, debt-service calculations, and illustrative terms. These are provided for informational purposes only and do not constitute:

• a commitment to lend or arrange financing;
• a pre-approval, conditional approval, or letter of intent;
• a guarantee that any financing will be arranged, closed, or funded; or
• a representation that any particular loan terms, rates, or program requirements will be available for your specific transaction.

Financing outcomes depend on lender underwriting, credit approval, market conditions, property performance, borrower qualifications, and other factors outside Cornovus Capital's control. Submission of a financing request does not create a contractual obligation on the part of Cornovus Capital or any lender.

5. Market Reports, Research, Data Sources, and Forward-Looking Statements

Market reports, research content, and data published on the Website are derived from third-party sources believed to be reliable, including industry databases, government publications, and commercial real estate research providers. Cornovus Capital does not independently verify all data and makes no representations as to its accuracy, completeness, or timeliness.

Content may include forward-looking statements based on current expectations and assumptions. These statements are subject to risks and uncertainties that could cause actual results to differ materially. Past performance of markets, properties, or financing programs is not indicative of future results. You should not rely on any market report or research content as a basis for investment, lending, or business decisions without independent verification.

6. Technology Platform, Data Integrations, API Use, and Automation

The Website may incorporate or interface with third-party technology platforms, data APIs, analytics tools, and automated systems. Cornovus Capital does not guarantee the uninterrupted availability, accuracy, or performance of any third-party integration or tool. You may not use the Website or its underlying technology for:

• automated scraping, crawling, or data extraction without written permission;
• reverse engineering or circumventing any technical protection measures;
• building competing products or services using our proprietary content or platform features; or
• interfering with the Website's infrastructure, security, or performance.

7. User Submissions, Loan Inquiries, and Accuracy of Information

When you submit information through the Website, including financing requests, contact forms, or inquiry submissions, you represent and warrant that all information provided is accurate, complete, and not misleading. Submission of false, fraudulent, or materially incomplete information in connection with a financing request may constitute fraud and may be subject to civil and criminal penalties under applicable law.

Cornovus Capital reserves the right to decline, discontinue, or terminate any advisory engagement at its sole discretion, including where submitted information is determined to be inaccurate or where the engagement would be inconsistent with our advisory standards or applicable law.

8. Third-Party Links and External Websites

The Website may contain links to third-party websites, data providers, government resources, or external platforms. These links are provided for informational convenience only. Cornovus Capital does not endorse, control, or accept responsibility for the content, accuracy, privacy practices, or availability of any third-party site. Your use of third-party websites is subject to their respective terms and privacy policies.

9. Intellectual Property and Permitted Use

All content on the Website, including text, graphics, logos, market reports, program descriptions, underwriting frameworks, and formatting, is the proprietary intellectual property of Cornovus Capital LLC or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws.

You may access and use Website content for your own personal, non-commercial, informational purposes only. You may not:

• reproduce, republish, distribute, or create derivative works from Website content without written permission;
• remove or alter any copyright, trademark, or proprietary notices;
• use the Cornovus Capital name, logo, or brand in any manner that suggests endorsement or affiliation without prior written consent; or
• use Website content for commercial purposes, resale, or public display.

10. Prohibited Conduct and Misuse of Website

You agree not to use the Website to:

• transmit unlawful, harmful, defamatory, or fraudulent content;
• impersonate any person, entity, or Cornovus Capital representative;
• interfere with the security, integrity, or performance of the Website;
• attempt to gain unauthorized access to any account, system, or network;
• upload or transmit malware, viruses, or any harmful code;
• engage in any activity that violates applicable laws or regulations; or
• use the Website in any manner that could expose Cornovus Capital to liability or reputational harm.

11. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, TOOLS, AND SERVICES PROVIDED THROUGH IT 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, TITLE, OR NON-INFRINGEMENT. CORNOVUS CAPITAL DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CORNOVUS CAPITAL LLC, ITS PRINCIPALS, OFFICERS, EMPLOYEES, AFFILIATES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR ANY CONTENT OR SERVICES PROVIDED THROUGH IT, REGARDLESS OF THE THEORY OF LIABILITY AND WHETHER OR NOT CORNOVUS CAPITAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL CORNOVUS CAPITAL'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE WEBSITE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO CORNOVUS CAPITAL IN THE TWELVE MONTHS PRECEDING THE CLAIM, IF ANY, OR (B) ONE HUNDRED DOLLARS ($100).

13. Indemnification

You agree to indemnify, defend, and hold harmless Cornovus Capital LLC, its principals, officers, employees, affiliates, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Website; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you submit through the Website that is inaccurate, fraudulent, or misleading.

14. Privacy, Cookies, and Tracking Technologies

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Website, you consent to the data practices described in the Privacy Policy, including the use of cookies and similar tracking technologies. You may review our Privacy Policy at cornovuscapital.com/privacy-policy-2/.

15. Electronic Communications and Consent to Contact

By submitting a financing request, inquiry form, or any other communication through the Website, you consent to receive electronic communications from Cornovus Capital, including email, phone, and text communications, related to your inquiry or transaction. You may opt out of marketing communications at any time. Standard message and data rates may apply to text communications. Your consent to be contacted does not guarantee that Cornovus Capital will represent, advise, or arrange financing for your transaction.

16. Changes to the Website and These Terms

Cornovus Capital reserves the right to modify, suspend, or discontinue the Website or any feature thereof at any time without notice. We may also update these Terms at any time by posting a revised version on the Website with an updated effective date. Your continued use of the Website after any update constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

17. Governing Law, Jurisdiction, and Venue

These Terms are governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Hamilton County, Ohio. You consent to the personal jurisdiction of those courts and waive any objection to venue in those courts.

18. Regulatory and Fair Narrative Disclosure

Cornovus Capital LLC is a commercial capital advisory and placement firm. The firm does not originate loans, issue loan commitments, guarantee financing outcomes, or make credit decisions. All advisory services are provided to business owners, investors, developers, and operators for commercial and investment purposes only. Cornovus Capital is not a residential mortgage broker and does not offer consumer credit products.

All financing programs described on the Website are subject to underwriting approval by independent third-party lenders and capital providers. Program availability, terms, rates, and eligibility criteria are determined by those lenders and are subject to change without notice. Cornovus Capital makes no representations regarding the availability of any specific program for any specific transaction.

Questions about these Terms may be directed to info@cornovuscapital.com or by mail to Cornovus Capital LLC, 10260 Alliance Road, Suite 200, Cincinnati, OH 45242.