Terms of Use

Website policies, advisory disclosures & legal protections

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 & 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 models, and case studies. These materials are illustrative only and do not constitute:

• a commitment to lend or provide financing;
• a prequalification, conditional approval, or final approval;
• a promise that similar terms can or will be achieved for any user;
• a representation that any particular lender will issue terms; or
• an agreement to structure, syndicate, or close any specific transaction.

All financing remains subject to lender underwriting, credit authority, collateral verification, borrower qualification, regulatory compliance, and applicable internal policies, which may change at any time.

5. Market reports, research, data sources & forward-looking statements

Cornovus Capital publishes hospitality, multifamily, industrial, office, retail, and other sector reports, as well as state and regional market summaries. These reports may reference or incorporate data and information from third-party sources such as:

• STR and similar lodging performance platforms;
• CoStar Group, LoopNet, and other CRE data providers;
• Federal Reserve and government publications;
• industry trade groups, research firms, and publications;
• publicly available financial and economic data; and
• select lender and market-participant commentary where appropriate.

While we strive to use sources believed to be reliable, Cornovus Capital does not independently audit third-party data and cannot guarantee its accuracy, completeness, or timeliness. Market conditions, interest rates, underwriting standards, regulations, and capital availability can change rapidly and without notice.

Any forecasts, projections, or forward-looking statements in our reports are inherently uncertain and involve risks beyond our control. Actual outcomes may differ materially. Users should not rely on these materials as the sole basis for investment, lending, or business decisions.

6. Technology platform, data integrations, API use & automation

Cornovus Capital may use technology tools, automated workflows, and third-party integrations (including data feeds from listing services, CRM systems, or analytics providers) to generate scenarios, contact forms, or preliminary screening outputs. These tools:

• are provided on an “as-is” basis and may contain errors or omissions;
• may rely on external data sources that we do not control;
• do not replace full underwriting or lender review;
• do not create any obligation on Cornovus Capital or any lender to move forward with a transaction; and
• are offered solely for preliminary education and exploration of potential capital strategies.

Users are strictly prohibited from reverse engineering, scraping, aggregating, or otherwise attempting to extract proprietary logic, modeling, or source code from any Cornovus Capital tools or technology.

7. User submissions, loan inquiries & accuracy of information

When you submit information through our Website, including loan requests, financial details, property information, or business descriptions, you agree that:

• all information you provide is true, accurate, and complete to the best of your knowledge;
• you are authorized to share such information on behalf of your company or any other relevant parties;
• we may review, analyze, and share relevant portions of your information with potential lending partners, subject to applicable privacy and confidentiality obligations; and
• submission of information does not obligate Cornovus Capital or any lender to provide financing or services.

You are responsible for promptly updating any information that becomes inaccurate or incomplete.

8. Third-party links & external websites

The Website may contain hyperlinks to third-party websites or resources. These links are provided for convenience only and do not constitute an endorsement or recommendation. Cornovus Capital has no control over and assumes no responsibility for the content, policies, products, or services of any third-party site.

9. Intellectual property & permitted use

The Website and all content, including text, graphics, logos, icons, images, layouts, case studies, scenarios, HTML, and design elements, are the intellectual property of Cornovus Capital or its licensors and are protected by copyright, trademark, and other applicable laws.

You may view, download, or print materials solely for your internal business use and solely in connection with evaluating potential advisory or financing engagements with Cornovus Capital. Any other use, including reproduction, redistribution, modification, or creation of derivative works, is strictly prohibited without our prior written consent.

10. Prohibited conduct & misuse of Website

You agree not to engage in any conduct that, in our sole judgment, could harm Cornovus Capital, our clients, our partners, or the integrity of the Website, including:

• using bots, scrapers, automated tools, or data mining techniques to access or copy Website content;
• attempting to interfere with or disrupt Website operations or security;
• introducing malware, malicious code, or harmful scripts;
• misrepresenting your identity or affiliation;
• using the Website to compete unfairly, reverse engineer offerings, or replicate advisory frameworks;
• using the Website for any unlawful, fraudulent, or abusive purpose.

11. Disclaimer of warranties

The Website, its content, tools, and services are provided on an “as-is” and “as-available” basis without warranties of any kind, whether express, implied, or statutory. Cornovus Capital expressly disclaims all warranties, including but not limited to warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, and availability.

12. Limitation of liability

To the fullest extent permitted by law, Cornovus Capital, its members, managers, employees, contractors, and agents shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising out of or relating to:

• your use or inability to use the Website;
• reliance on any information, report, tool, or scenario contained on the Website;
• errors, omissions, interruptions, defects, or delays in operation;
• loss of data, profits, or business opportunities; or
• unauthorized access to or alteration of your transmissions or data.

In all cases, any liability of Cornovus Capital shall be limited to the lesser of (a) the fees paid by you to Cornovus Capital for advisory services during the twelve (12) months preceding the event giving rise to the claim, or (b) the minimum amount required by applicable law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Cornovus Capital, its affiliates, officers, members, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Website, your violation of these Terms, or your infringement of any third-party rights.

14. Privacy, cookies & tracking technologies

Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect information. The Website may use cookies, pixels, analytics tools, and similar technologies to monitor performance, usage patterns, and marketing effectiveness.

By using the Website, you consent to the use of such technologies as described in our Privacy Policy.

15. Electronic communications & consent to contact

By submitting your contact information or requesting information through the Website, you consent to receive communications from Cornovus Capital by email, phone, text, or other electronic means, subject to applicable law. You may opt out of non-transactional marketing communications at any time by following the unsubscribe instructions contained in our emails or contacting us directly.

16. Changes to the Website and these terms

Cornovus Capital may modify, suspend, or discontinue any aspect of the Website at any time without notice. We may also update these Terms from time to time. The “Effective date” above reflects the most recent revision date. Your continued use of the Website after any changes are posted constitutes your acceptance of the updated Terms.

17. Governing law, jurisdiction & venue

These Terms, and any dispute arising out of or relating to the Website or these Terms, shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to conflict of law principles. You agree that the exclusive jurisdiction and venue for any action arising under or related to these Terms shall be the state and federal courts located in Hamilton County, Ohio.

18. Regulatory and fair narrative disclosure

Cornovus Capital operates as a commercial advisory firm and does not originate or service consumer credit products. Our communications, case studies, and market reports are intended to provide institutional-level insight into commercial and business financing, not personal lending. We strive to present accurate, balanced, and compliance-aligned information that clearly distinguishes advisory services from direct lending activities.