Terms and Conditions

Effective Date: January 24, 2026
Last Updated: January 24, 2026

1. Acceptance of Terms

By accessing or using the website, services, or communication channels (including SMS/text messaging) of Allstate Capital Group (“Company,” “we,” “our,” or “us”), you (“User,” “you,” or “your”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, you must not use our services.

Company Information:

• Business Name: Allstate Capital Group
• Address: 1600 Boston Providence Highway, Walpole, MA 02081
• Phone: (800) 345-9740
• Website: www.allstatecapitalgroup.com

2. Services Description

Allstate Capital Group provides financial services including:

• Commercial real estate loans and financing
• Bridge financing and mezzanine financing
• Multifamily, residential, and mixed-use property financing
• Non-dilutive venture debt for growth-stage companies
• Business loans and private lending solutions
• Acquisition, renovation, and new development funding
• FHA HUD lending programs
• Loan amounts ranging from $1 million to $120 million

3. Eligibility

3.1 General Requirements

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Have a legitimate business purpose
• Comply with all applicable laws and regulations

3.2 Business Requirements

For business loan applications, you must:

• Operate a legitimate business entity
• Provide accurate financial documentation
• Have the authority to bind the business entity
• Meet our underwriting criteria

4. SMS/Text Messaging Terms

4.1 Program Description

Our SMS/text messaging program allows us to send you:

• Account alerts and notifications
• Payment reminders and due date alerts
• Loan application status updates
• Important service announcements
• Customer service messages
• Marketing and promotional offers (with separate consent)

4.2 Consent to Receive Messages

By providing your mobile phone number and opting in to our SMS program, you:

• Expressly consent to receive automated text messages from Allstate Capital Group
• Certify that you are the subscriber or authorized user of the mobile number provided
• Agree that consent is not a condition of purchase or service
• Acknowledge that message and data rates may apply
• Understand that message frequency varies

4.3 Message Frequency

• Transactional Messages: Up to 10 messages per month
• Marketing Messages: Up to 4 messages per month (if opted in)
• Actual frequency may vary based on account activity

4.4 Opt-Out and Opt-In

• Opt-Out: Text “STOP” to any message or call (800) 345-9740
• Opt-In Again: Text “START” or contact us to resume messages
• Help: Text “HELP” for assistance or call (800) 345-9740

4.5 Supported Carriers

Our SMS program is available on all major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

4.6 No Charge from Company

We do not charge for text messages, but standard message and data rates from your mobile carrier apply.

4.7 Mobile Number Changes

You must notify us immediately if you:

• Change your mobile phone number
• Transfer your number to another person
• Deactivate your mobile service

5. Account Registration and Security

5.1 Account Information

When applying for services or creating an account, you agree to:

• Provide true, accurate, current, and complete information
• Maintain and promptly update your information
• Keep your account credentials confidential
• Notify us immediately of unauthorized access

5.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account information
• All activities that occur under your account
• Any breach of security or unauthorized use

5.3 Account Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms
• You provide false or misleading information
• Your account shows suspicious or fraudulent activity
• Required by law or regulatory authorities

6. Loan Application Process

6.1 Application Submission

• All loan applications are subject to approval
• Submission of an application does not guarantee approval
• We may request additional documentation or information
• Processing times vary based on complexity

6.2 Credit Authorization

By submitting an application, you authorize us to:

• Obtain credit reports and scores
• Verify information with third parties
• Contact references and previous lenders
• Conduct background checks as necessary

6.3 No Guarantee of Approval

• Loan approval is at our sole discretion
• We reserve the right to deny any application
• Denial reasons will be provided as required by law
• No refund of application fees for denied applications

7. Fees and Payments

7.1 Applicable Fees

You agree to pay all applicable fees including:

• Loan origination fees
• Application fees
• Appraisal and inspection fees
• Legal and closing costs
• Late payment fees
• Prepayment penalties (if applicable)

7.2 Payment Obligations

• All payments must be made on or before the due date
• Late payments may incur additional fees and interest
• Returned payments may result in fees and penalties
• We may report payment history to credit bureaus

7.3 Changes to Fees

We reserve the right to modify fees with advance notice as required by law and your loan agreement.

8. Intellectual Property

8.1 Ownership

All content on our website and materials, including:

• Text, graphics, logos, images
• Software and code
• Trademarks and service marks
• Proprietary information

are the property of Allstate Capital Group or our licensors and are protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website and services for their intended purposes only.

8.3 Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works from our materials

9. User Conduct

You agree not to:

• Provide false or misleading information
• Engage in fraudulent activities
• Violate any applicable laws or regulations
• Interfere with or disrupt our services
• Attempt unauthorized access to our systems
• Use our services for illegal purposes
• Harass or abuse our staff or representatives
• Transmit viruses or malicious code

10. Third-Party Services and Links

10.1 Third-Party Providers

We may use third-party service providers for:

• Credit reporting and verification
• Payment processing
• Marketing and communications
• Technology services

10.2 External Links

Our website may contain links to third-party websites. We are not responsible for:

• Content on third-party websites
• Privacy practices of other sites
• Products or services offered by third parties

11. Disclaimers and Limitations of Liability

11.1 Service Availability

• Services are provided “as is” and “as available”
• We do not guarantee uninterrupted or error-free service
• We may modify or discontinue services at any time

11.2 No Investment Advice

• We do not provide financial, investment, or legal advice
• You should consult appropriate professionals
• Loan decisions should be made independently

11.3 Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Our total liability shall not exceed the fees paid to us
• We are not liable for third-party actions or failures

11.4 Exceptions

Some jurisdictions do not allow certain limitations of liability. In such cases, our liability is limited to the fullest extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Allstate Capital Group, its affiliates, officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Information you provide to us

13. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our collection, use, and disclosure of your information as described in our Privacy Policy.

14. Communications

14.1 Electronic Communications

By using our services, you consent to receive electronic communications from us, including:

• Email messages
• Text/SMS messages
• Account notifications
• Legal notices

14.2 Communication Methods

We may communicate with you via:

• Email to the address you provided
• Text messages to your mobile number
• Phone calls to your provided numbers
• Postal mail to your address
• Notices on our website

14.3 Opting Out

You may opt out of marketing communications but may still receive:

• Transactional messages
• Service-related announcements
• Legal notices
• Account statements

15. Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts and applicable federal laws, without regard to conflict of law provisions.

15.2 Arbitration Agreement

Any dispute arising from these Terms or our services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except:

• Small claims court matters
• Injunctive or equitable relief
• Matters required by law to be heard in court

15.3 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class actions or collective proceedings.

15.4 Jurisdiction

For matters not subject to arbitration, you consent to the exclusive jurisdiction of state and federal courts located in Massachusetts.

16. Regulatory Compliance

We comply with all applicable laws and regulations, including:

• Truth in Lending Act (TILA)
• Real Estate Settlement Procedures Act (RESPA)
• Fair Credit Reporting Act (FCRA)
• Equal Credit Opportunity Act (ECOA)
• Fair Housing Act
• Gramm-Leach-Bliley Act (GLBA)
• Telephone Consumer Protection Act (TCPA)
• State lending and licensing laws

17. Modifications to Terms

17.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective:

• Upon posting on our website
• As specified in a notice to you
• As required by law

17.2 Notice of Changes

We will provide notice of material changes through:

• Email notification
• Text message notification
• Prominent notice on our website
• Updated “Last Updated” date

17.3 Continued Use

Your continued use of our services after changes constitutes acceptance of the modified Terms.

18. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any loan agreements, constitute the entire agreement between you and Allstate Capital Group regarding the use of our services.

20. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

21. Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign our rights and obligations without restriction.

22. Survival

Provisions that by their nature should survive termination shall survive, including: intellectual property rights, disclaimers, limitations of liability, indemnification, and dispute resolution.

23. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, government actions, or communication failures.

24. Contact Information

For questions about these Terms or our services:

Allstate Capital Group
1600 Boston Providence Highway
Walpole, MA 02081
Phone: (800) 345-9740
Email: legal@allstatecapitalgroup.com
Website: www.allstatecapitalgroup.com

SMS Program Support:
Text “HELP” to any message or call (800) 345-9740

25. Acknowledgment

By using our services, you acknowledge that:

• You have read and understood these Terms
• You agree to be bound by these Terms
• You have the authority to enter into this agreement
• You consent to our SMS/text messaging program (if opted in)

Last Updated: January 24, 2026
Version: 1.0