Terms of Service

1. Acceptance of terms

These Terms of Service (“Terms”) govern your access to and use of the Site at magnaraglobal.io (the “Site”), operated by Magnara Global (“Magnara,” “Magnara Global,” “we,” or “us”). By accessing the Site or submitting information through it, you agree to be bound by these Terms and by our Privacy Policy and Disclosures, each of which is incorporated by reference. If you do not agree, you may not use the Site.

2. Eligibility

You represent and warrant that you are:

• At least 18 years of age and legally able to enter into binding contracts;
• Authorized to submit the information you provide, whether on your own behalf or on behalf of a business entity;
• Located in a jurisdiction where the services we provide or facilitate are lawfully available.

3. Nature of services

Magnara Global is an advisory firm. We provide capital strategy, structuring, and credit-readiness advisory. We are not a lender, broker-dealer, registered investment adviser, depository institution, credit repair organization, or law firm. The Site allows you to (a) request a confidential consultation, (b) submit an intake to be considered by one or more licensed third-party lenders or other counterparties, (c) request educational content, or (d) apply to our partner channel.

4. Advisory engagement — no fiduciary or attorney–client relationship

Submission of a consultation request, intake, or partner application does not create an advisory, agency, attorney–client, or fiduciary relationship. Advisory engagements are formed only upon execution of a separate written engagement letter that defines scope, term, deliverables, and fees. Communications and information exchanged before such an engagement letter are exchanged on a non-engagement basis and do not form a confidential professional relationship of any specific kind, although Magnara maintains its own internal confidentiality and NCNDA discipline.

Nothing on the Site, in any consultation, or in any subsequent advisory engagement constitutes legal, tax, accounting, or investment advice. You should consult independently licensed professionals for those purposes.

5. CROA non-applicability

Magnara is not a credit repair organization as defined under the federal Credit Repair Organizations Act (CROA, 15 U.S.C. §§1679–1679j). Magnara does not perform credit-report disputes, does not communicate with consumer reporting agencies on your behalf, and does not attempt to alter or improve your credit records. Magnara does not represent that it can remove accurate, verifiable information from any credit report. Magnara does not require advance fees for credit-repair services because Magnara does not provide credit-repair services.

The credit-profile consultation reviews self-reported information in the context of capital goals and does not authorize a consumer-report inquiry. No credit pull is performed by Magnara. Where credit-repair work is appropriate, Magnara may, where possible, coordinate an introduction to a licensed third-party professional under Section 6.

6. Third-party introductions — lenders, counsel, credit-repair organizations

Where appropriate, Magnara may coordinate introductions to (a) licensed third-party lenders, banks, or specialty-finance partners; (b) FCRA-experienced counsel or law firms; (c) nonprofit credit counselors; or (d) licensed credit-repair organizations. Each such party operates independently of Magnara and contracts with you separately under its own engagement, fees, and disclosures, including (where applicable) the consumer-rights document, three-business-day cancellation right, and other CROA-required terms in the case of a credit-repair organization.

Magnara is not responsible for the acts, omissions, services, products, fees, or representations of any third party introduced through Magnara’s coordination. Magnara does not pay or accept referral fees on consumer-purpose credit transactions where prohibited by federal or state law (including ECOA, RESPA, and applicable state mortgage and finance-broker statutes). Compensation arrangements with non-prohibited categories of partners are governed by separate written agreements that are reviewed for compliance on a case-by-case basis.

7. Accuracy of information

You agree that all information you submit through the Site is true, accurate, current, and complete to the best of your knowledge. Where a downstream lender application is involved, you authorize the licensed third-party lender (not Magnara) to verify any information you provide, including through third-party identity, fraud-detection, and (under the FCRA) consumer-reporting services. Providing materially false, misleading, or incomplete information may result in denial of your application, termination of your access, referral to law enforcement, and civil or criminal penalties.

8. Estimates & non-binding indications

Any estimate, indication, range, score-band response, capital-range response, interest-rate range, factor-rate range, or valuation displayed on the Site is a non-binding indication generated from the information you supply and from publicly available reference data. It is not a commitment to lend, an appraisal, a quotation, a rate lock, or a guarantee of any term or outcome. Actual rates, fees, terms, and approvals are determined by the licensed third-party lender after full underwriting and may differ materially from any indication shown.

9. Fees, compensation & no advance fees for credit repair

Use of the Site is free for visitors. Submission of a consultation request, intake, or partner application is free; there is no fee at intake. Where a paid advisory engagement is appropriate, scope, term, and fees are presented to you in writing in advance under a separate engagement letter, and no fee is charged before the engagement is accepted in writing.

Magnara does not charge advance fees for any service that would be classified as credit repair under CROA, because Magnara does not provide credit-repair services. Where you separately engage a licensed third-party credit-repair organization (not Magnara), CROA prohibits that organization from charging or receiving any money for credit-repair services until those services have been fully performed, and entitles you to cancel the contract within three (3) business days.

Magnara may receive compensation from lender partners or other counterparties when a transaction closes. Any such compensation is governed by a separate written agreement with that party, is subject to applicable federal and state law (including ECOA and RESPA on consumer-purpose credit), and is not deducted from loan proceeds unless expressly disclosed in the lender’s own closing documents. Third-party fees (appraisals, title, filing, legal) may apply as disclosed in each lender’s agreement.

10. Phone, SMS & auto-dialed communications (TCPA)

By submitting a form on the Site that includes a phone number and by checking the contact-consent acknowledgment, you consent to be contacted by Magnara at the phone number you provided, including by manually dialed call and by ordinary text message, solely about the inquiry or engagement to which the submission relates. You are not required to consent to receive autodialed or pre-recorded marketing calls or text messages as a condition of receiving any goods, service, or response from Magnara.

Magnara does not currently use an automatic-telephone-dialing system or pre-recorded voice technology to deliver marketing communications, and does not send marketing SMS without separate, prior, express written consent in the form required by the federal Telephone Consumer Protection Act (TCPA, 47 U.S.C. §227) and its implementing rules at 47 C.F.R. §64.1200. Should we ever introduce such communications, we will obtain separate, prior, express written consent before sending them.

You may revoke consent to be contacted at any time by replying STOP to any text message we send, by emailing privacy@magnaraglobal.com, or by telling any Magnara representative on a call. Standard message and data rates from your carrier may apply.

11. Email communications (CAN-SPAM)

Email communications from Magnara fall into two categories: (a) transactional or relationship messages tied to your inquiry or engagement (confirmations, document requests, scheduling, status updates), and (b) commercial messages such as newsletters or briefings sent only to recipients who have opted in. Every commercial message we send identifies Magnara, includes our valid physical postal address, and contains a clear and conspicuous one-click unsubscribe link, in compliance with the CAN-SPAM Act (15 U.S.C. §§7701 et seq.). To opt out of all commercial email from Magnara, click the unsubscribe link in any commercial email or email privacy@magnaraglobal.com. Opting out of commercial email does not stop transactional or relationship messages tied to an active inquiry or engagement.

12. Intellectual property

The Site, including its design, text, graphics, logos, trademarks, methodology, and educational content, is the property of Magnara Global or its licensors and is protected by copyright, trademark, and other intellectual-property laws. You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Site solely for the purpose of evaluating Magnara’s services and submitting an inquiry. You may not copy, modify, reverse-engineer, scrape, frame, mirror, or distribute any portion of the Site without prior written consent.

13. Prohibited conduct

You agree not to:

• Submit information belonging to another person without authorization;
• Impersonate any person or misrepresent your affiliation with any entity;
• Interfere with, probe, or circumvent the security of the Site;
• Use automated systems (bots, scrapers, scripts) to access or submit to the Site without written consent;
• Upload malicious code, malware, or content intended to disrupt the Site;
• Use the Site to facilitate money laundering, fraud, terrorist financing, sanctions evasion, or any other unlawful activity.

14. Disclaimer of warranties

THE SITE AND ALL RELATED SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, MAGNARA GLOBAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, UNINTERRUPTED OPERATION, AND SECURITY. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE OR THAT ANY INFORMATION OBTAINED THROUGH IT WILL BE ACCURATE OR RELIABLE, AND WE DO NOT WARRANT ANY OUTCOME, INCLUDING ANY CREDIT-SCORE CHANGE, ITEM REMOVAL, LENDER APPROVAL, AVAILABLE CREDIT, PRICING, OR FUNDING.

15. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL MAGNARA GLOBAL, ITS AFFILIATES, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUES, OR LOST DATA, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00) OR THE AMOUNT YOU HAVE PAID TO MAGNARA UNDER A SEPARATE WRITTEN ENGAGEMENT LETTER IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

NOTHING IN THESE TERMS LIMITS LIABILITY FOR FRAUD, INTENTIONAL MISCONDUCT, OR ANY LIABILITY THAT MAY NOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

16. Indemnification

You agree to indemnify and hold harmless Magnara Global and its affiliates from and against any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of (a) your use of the Site, (b) your breach of these Terms, (c) your violation of any law or third-party right, or (d) any information you submit that is materially false or misleading.

17. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including suspected fraud, materially inaccurate information, or violation of these Terms. Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, fees already accrued, governing law, and dispute resolution survive termination.

18. Governing law & disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms, your use of the Site, or any consultation request shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, conducted in Dallas, Texas, in English, by one arbitrator. You and Magnara each waive the right to a jury trial and to participate in a class, collective, or representative action. Either party may seek injunctive relief in a court of competent jurisdiction located in Texas to protect intellectual property or confidential information.

Small claims carve-out. Either party may bring an individual action in small-claims court for disputes within that court’s jurisdiction.

19. Miscellaneous

These Terms, together with the Privacy Policy and Disclosures, constitute the entire agreement between you and Magnara Global regarding the Site. If any provision is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them freely. Section headings are for convenience only. We may update these Terms from time to time; material changes will be reflected in the “Effective” date and version number above. Continued use of the Site after a change constitutes acceptance of the revised Terms.

20. Contact

Magnara Global
Email: legal@magnaraglobal.com
Privacy: privacy@magnaraglobal.com
General: info@magnaraglobal.com
Phone: (401) 317-2915 — Mon–Fri, 9 AM – 6 PM ET