Terms of Use
Effective September 26, 2026
These Terms of Use (the "Terms") govern your access to and use of the website located at montereycapitalgroup.com (the "Site"), operated by Monterey Capital Group LLC, a Florida limited liability company, on behalf of itself and its wholly owned subsidiaries Monterey Private Lending LLC and Monterey Private Equity LLC, together with their respective affiliates and any special-purpose entities formed by any of them (collectively, "MCG", "we", "us", or "our"). By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Site.
1. Informational purposes only; no offer or commitment to lend
The Site and its contents are provided for general informational purposes only. Nothing on the Site constitutes an offer to lend, a commitment to lend, a rate lock, an approval, or an agreement of any kind. All loan programs, parameters, rates, leverage levels, and other terms described on the Site are indicative guidelines only, are subject to change without notice, and are contingent in every case upon MCG's underwriting review and approval, satisfaction of all lender requirements, and execution of definitive documentation. MCG may modify, suspend, or discontinue any program and may decline any inquiry, application, or transaction at any time in its sole and absolute discretion. Submission of any inquiry or form through the Site does not create an application, a commitment, or any obligation on the part of MCG.
2. Business-purpose, non-QM lending only
All loans originated, arranged, acquired, or invested in by MCG are business-purpose, non-qualified mortgage ("non-QM") loans collateralized by real estate. MCG does not and will not make, arrange, purchase, or service any loan secured by owner-occupied residential property, and does not make loans for personal, family, or household purposes; nothing on the Site is directed to consumers seeking such financing. Products described on the Site are not consumer mortgage loans and are not subject to the Qualified Mortgage rules under the Truth in Lending Act or to consumer mortgage regulations applicable to owner-occupied lending.
3. No offer of securities; accredited investors only
Nothing on the Site constitutes an offer to sell, or a solicitation of an offer to buy, any security or investment interest in any jurisdiction. Any securities or investment interests offered by MCG or any fund, vehicle, or special-purpose entity sponsored or managed by MCG are offered only through confidential offering documents, including a private placement memorandum, governing agreement, and subscription documents (the "Offering Documents"), only to persons who qualify as accredited investors and, where applicable, qualified purchasers, and only in reliance on exemptions from registration under the Securities Act of 1933, including Rule 506 of Regulation D. The Offering Documents supersede the Site in their entirety. Interests have not been and will not be registered under federal or state securities laws and are subject to substantial restrictions on transfer. No regulatory authority has passed upon the merits of any offering or the accuracy of the Site.
4. Equity investments and co-investment activity
Descriptions of preferred equity, co-GP, joint venture, recapitalization, or other equity investment activity on the Site are illustrative of MCG's mandate only. Any equity investment by MCG is selective, evaluated deal by deal, and subject to full underwriting, internal approval, and execution of definitive documentation. Nothing on the Site is a commitment by MCG to invest in, sponsor, or participate in any transaction.
5. No advice; no fiduciary or advisory relationship
Nothing on the Site constitutes investment, legal, tax, accounting, or other professional advice, and nothing on the Site is a recommendation to engage in any transaction. Your use of the Site does not create any fiduciary, advisory, attorney-client, broker-client, or similar relationship with MCG. You should consult your own legal, tax, accounting, and financial advisors before making any decision.
6. Forward-looking statements; platform figures; no reliance
The Site may contain forward-looking statements, targets, estimates, and descriptions of strategy that involve risks and uncertainties. Actual results may differ materially. Platform figures presented on the Site, including capital deployed, portfolio metrics, and performance statistics, are aggregate, unaudited, presented as of the date indicated, and subject to revision. Past performance is not indicative of future results. MCG makes no representation or warranty as to the accuracy or completeness of any information on the Site, assumes no duty to update it, and you agree not to rely on the Site as the basis for any decision.
7. Eligibility; jurisdictional limitations
The Site is intended for use by persons located in jurisdictions where such use is lawful. The Site and the products described on it are not directed to, and are not available to, any person in any jurisdiction where their availability would be contrary to applicable law or would subject MCG to any registration or licensing requirement not already satisfied. MCG operates in select U.S. states. You represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.
8. Submissions and communications
By submitting any form or communication through the Site, you represent that the information provided is true, accurate, and complete, and you consent to MCG contacting you by email or telephone regarding your inquiry. Submissions are not confidential, do not create any relationship, and are not loan applications. Do not submit Social Security numbers, account numbers, passwords, or other sensitive credentials through the Site. MCG may retain and use submissions as described in the Privacy Policy.
9. Intellectual property
The Site and all content, design elements, text, graphics, logos, and marks displayed on it are the property of MCG or its licensors and are protected by intellectual property laws. You are granted a limited, revocable, non-exclusive license to access the Site for your personal, informational use. You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, frame, scrape, or otherwise exploit any portion of the Site without MCG's prior written consent.
10. Acceptable use
You agree not to use the Site for any unlawful purpose; to misrepresent your identity or affiliation; to interfere with the operation or security of the Site; to use automated means to access, harvest, or index the Site; or to upload malicious code. MCG may restrict or terminate access at any time without notice.
11. Third-party services and links
The Site may incorporate services operated by third parties, including form processing and hosted fonts, and may link to third-party websites. Such services and websites are governed by their own terms and privacy policies. MCG does not control and is not responsible for third-party services, and their inclusion does not imply endorsement.
12. Disclaimer of warranties
The Site and all content are provided "as is" and "as available," without warranties of any kind, express, implied, or statutory, including without limitation warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, or availability. MCG does not warrant that the Site will be uninterrupted, timely, secure, or error-free.
13. Limitation of liability
To the maximum extent permitted by law, in no event will MCG or its members, managers, officers, employees, agents, subsidiaries, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or opportunity, arising out of or relating to the Site or these Terms, even if advised of the possibility of such damages. To the maximum extent permitted by law, MCG's total aggregate liability arising out of or relating to the Site or these Terms will not exceed one hundred U.S. dollars ($100).
14. Indemnification
You agree to indemnify, defend, and hold harmless MCG and its members, managers, officers, employees, agents, subsidiaries, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the Site, your submissions, or your violation of these Terms or applicable law.
15. Dispute resolution; arbitration; class action waiver
Any dispute, claim, or controversy arising out of or relating to the Site or these Terms that cannot be resolved informally shall be finally resolved by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, seated in Miami-Dade County, Florida, before a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction. You and MCG each waive any right to a trial by jury and agree that any proceeding will be conducted only on an individual basis and not as a class, collective, consolidated, or representative action. Claims eligible for small claims court may be brought there. This section does not apply to any dispute governed by separate definitive documentation between you and MCG, which will control as to that dispute.
16. Governing law and venue
These Terms are governed by the laws of the State of Florida, without regard to conflict of laws principles. Subject to Section 15, the state and federal courts located in Miami-Dade County, Florida will have exclusive jurisdiction over any permitted court proceeding.
17. Contracting entities and corporate separateness
Lending activities described on the Site are conducted by Monterey Private Lending LLC or an affiliate designated for a particular transaction, and equity investment activities are conducted by Monterey Private Equity LLC or an affiliate so designated. Monterey Capital Group LLC operates the Site and provides management services to those entities but does not itself make loans or investments unless expressly named in definitive documentation. Each MCG entity is a separate legal entity. Nothing on the Site, and no use of the collective term "MCG", creates a partnership, joint venture, agency, or guaranty relationship among the entities, and no MCG entity is responsible for the obligations of any other. Any obligation to you exists only under definitive documentation and only against the entity that signed it.
18. Soft terms, pre-approval letters, and broker arrangements
Soft terms, indicative terms, term sheets marked non-binding, and pre-approval letters issued by MCG are expressions of interest only. They are not commitments to lend, may be withdrawn or revised at any time before definitive documentation is executed and funded, and are conditioned on underwriting, diligence, title, insurance, appraisal, and satisfaction of all lender requirements. A pre-approval letter provided to a developer or seller confirms only that a transaction is under review. Broker and agent compensation is governed solely by a written fee or referral agreement signed by the applicable MCG entity; statements on the Site regarding broker fees, deal registration, or non-circumvention describe MCG's general practices and do not themselves create any agreement or entitlement to compensation.
19. Compliance, sanctions, anti-money-laundering, and equal credit opportunity
MCG complies with applicable United States sanctions and anti-money-laundering laws, including programs administered by the Office of Foreign Assets Control, and screens borrowers, guarantors, sponsors, investors, and their beneficial owners accordingly. MCG may request identification and source-of-funds information and may decline or terminate any transaction where screening is incomplete or unsatisfactory. Consistent with the Equal Credit Opportunity Act, MCG does not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, or age, or because all or part of an applicant's income derives from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. Availability of financing to foreign nationals is subject to applicable law and to MCG's screening and underwriting.
20. Translations and controlling language
The Site may be offered in Spanish, Portuguese, or other languages for convenience only. These Terms, the Privacy Policy, all disclosures, and all definitive documentation are written in English, and the English version controls in the event of any inconsistency or ambiguity in a translation.
21. Electronic communications
By using the Site or communicating with MCG electronically, you consent to receive communications from MCG electronically, and you agree that agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.
22. Changes; severability; entire agreement
MCG may revise these Terms at any time by posting an updated version on the Site, with the effective date noted above. Your continued use of the Site constitutes acceptance of the revised Terms. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force. These Terms, together with the Privacy Policy, constitute the entire agreement between you and MCG regarding use of the Site. Questions may be directed to info@montereycapitalgroup.com.