Privacy Policy

Introduction

NewCo Capital Group, LLC and its affiliates (“Company,” “We,” or “Us”) respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website NewCoCapitalGroup.com and related web pages (the “Website”), as well as our mobile application, and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

On this Website and our mobile application.
In email, text, and other electronic messages between you and this Website.
Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

This policy applies to information:

We collect through our Website, mobile application, whether online or offline; or
Information collected by a third party (including our affiliates), including through any application or content (including advertising) that may link to or be accessible from or on the Website or mobile application..

Children Under the Age of 18

Our Website and mobile application are not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website or mobile application. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or mobile application or through any of its features, register on the Website or mobile application, make any purchases through the Website or mobile application, use any of the interactive or public comment features of this Website or mobile application, or provide any information about yourself to us, including your name, address, telephone number, email address, social security number, drivers license number or any screen name or username you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at: [email protected]. California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights, below, for more information.

Information We May Collect About You and How We Collect It

We may collect several types of information from and about users of the Website or mobile application, including information:

By which you may be personally identified, such as name, postal address, email address, telephone number, or any other identifier by which you may be contacted online or offline (“personal information”);
That is about you but individually does not identify you; and/or
About your internet connection, the equipment you use to access the Website or mobile application, and usage details.

We may collect this information:

Directly from you when you provide it to us.
Automatically as you navigate through the Website or mobile application.
From third parties, for example, our business partners.

Information Provided by You Directly

The information you provide to us directly may include:

Information that you provide by filling in forms on the Website or mobile application. This may include information provided at the time of registering to use the Website or mobile application, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with the Website or mobile application.
Records and copies of your correspondence (including email addresses), if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through the Website and details of your financial accounts and related information.
Your search queries on the Website or mobile application.

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website or mobile application or transmitted to other users of the Website or mobile application or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website or mobile application with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information Collected Automatically

As you navigate through and interact with the Website or mobile application, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to the Website or mobile application, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website or mobile application.
Information about your computer and internet connection, including your IP address, operating system and browser type.
Information collected through cookies, web beacons, and other tracking technologies.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). For information on how you can opt out of behavioral tracking on the Website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking, see How We Respond to “Do Not Track” Signals, below.

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve the Website and mobile application and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize the Website and mobile application according to your individual interests.
Speed up your searches.
Recognize you when you return to the Website or mobile application and
Combat fraud.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer or other device. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of the Website or mobile application. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to the Website or when you use the mobile application.
HTML5 Cookies. Certain features of the Website or mobile application may use local stored objects (or HTML5 cookies) to collect and store information about your preferences and navigation to, from, and on the Website or mobile application. HTML5 cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for HTML5 cookies, see Choices About How We Use and Disclose Your Information, below.
Web Beacons. Pages of the Website, mobile application and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain Website content and verifying system and server integrity).

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website or mobile application may be served by third parties, including advertisers, ad networks and servers, content providers, and application providers.

These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website or mobile application. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information, below.

How We Use Your Information

We may use information that we collect about you or that you provide to us, including any personal information:

To present the Website, the mobile application and their contents to you.
To provide you with information, products, or services that you request from us.
To process and service your transactions, including financial applications.
To confirm your identity and monitor, detect and prevent fraud related to your accounts.
To provide you with notices about your account, including expiration and renewal notices.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To improve our products and services.
To notify you about changes to the Website, mobile application or any products or services we offer or provide though it.
To allow you to participate in interactive features on the Website or mobile application.
In any other way we may describe when you provide the information.
To fulfill any purpose for which you provide it and
For any other purpose with your consent.

We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you if you registered for our newsletter upon sign-up. If we have sent you a promotional email, you may opt out of future promotional emails by clicking the “Unsubscribe” button in the body of the email. For more information, see Choices About How We Use and Disclose Your Information, below.

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by the Company about the Website users is among the assets transferred.
To loan and transaction servicers.
To credit reporting agencies.
To contractors, service providers, and other third parties that we otherwise use to support our business or to third parties to market their products or services to you if you have consented to these disclosures by registering for our newsletter. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. For more information, see Choices About How We Use and Disclose Your Information, below.
For any other purpose disclosed by us when you provide the information.

We may also disclose your personal information:

To comply with any court order, law, regulation, rule, or legal process, including to respond to any government or regulatory request.
To enforce or apply our Terms of Use and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your HTML5 cookie settings, visit the HTML5 player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this Website and/or mobile application may then be inaccessible or not function properly.
Your mobile device may give you the ability to opt out of the use of information regarding the apps that you use for targeted advertising. You may opt out of the collection of location information by specific apps or from your entire device at any time by changing your preferences on your mobile device. Note that when location services have not been enabled in your apps, we may infer data about your location based on your IP address. For more information regarding your preferences and options, please see the link found here http://www.networkadvertising.org/mobile-choice.
Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can also always opt-out of future promotional emails by clicking the “Unsubscribe” button in the body of the email.
Promotional Offers from the Company. If you do not wish to have your email address or other contact information used by the Company to promote our own or third parties’ products or services, you may opt out of future promotional emails by clicking the “Unsubscribe” button in the body of the email. This opt out does not apply to information provided to the Company as a result of any accounts you have with us, financial application, product service experience or other transactions.
Targeted Advertising. We do not currently engage in targeted advertising. In the future, if you have received a promotional email via targeted advertising, you may opt out of future promotional emails by clicking the “Unsubscribe” button in the body of the email.
We do not control third parties’ collection or use of your information to serve interest based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights, below, for more information. Nevada residents who wish to exercise their sale opt-out rights under Nevada Revised Statutes Chapter 603A may submit a request to this designated address: [email protected]. However, please know we do not currently sell data triggering that statute’s opt-out requirements.

Accessing and Correcting Your Information

You may send us an email at [email protected] to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website or mobile application, copies of your User Contributions may remain viewable in cached and archived pages or might have been copied or stored by other users. Proper access and use of information provided on the Website or mobile application, including User Contributions, is governed by our Terms of Use.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights, below, for more information

How We Respond to “Do Not Track” Signals

California law requires us to let you know how we respond to web browser Do Not Track (“DNT”) signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not respond to them at this time. We await the result of work by the privacy community and industry to determine when such a response is appropriate and what form it should take.

Data Security

We and our service providers have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on secure servers behind firewalls. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of the Website or mobile application, you are responsible for keeping this password confidential.

We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website or mobile application like message boards. The information you share in public areas may be viewed by any user of the Website or mobile application. Unfortunately, the transmission of information via the internet is not completely secure.

Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to the Website or mobile application. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website or mobile application.

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. Pursuant to California Civil Code Section 1798.83(c)(2), we do not share your personal information with third parties for their direct marketing use. If you are a California resident under the age of 18, and a registered user of any site where this policy is posted, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. To make such a request, please send an email with a detailed description of the specific content or information to [email protected].

Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.

The California Consumer Privacy Act (the “CCPA”) and California Privacy Rights Act (the “CPRA,” collectively the “California Privacy Laws”), affords California residents certain rights regarding their personal information, including the right to request information regarding the collection, use, and disclosure of their personal information, the right to request deletion of their personal information, and the right to opt-out of the sale of their personal information. This section provides information about the California Privacy Laws and about the type of personal information we collect and share with other companies. It also explains how you can make requests to us regarding your personal information. Any terms defined in the California Privacy Laws have the same meaning when used in this section.

Your Rights and Choices

Right to Know What Personal Information is Collected About You and How It Is Used

You have the right to know what categories and specific pieces of personal information we collect about you, the sources from which we collect personal information, our business or commercial purpose for the collection, use, and sharing of your personal information, and any categories of third parties to whom we sell or with whom we share your personal information. You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you.
For any other purpose disclosed by us when you provide the information.
If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:

The categories of personal information that we have sold about you, and the categories of third parties to whom the personal information was sold.
The categories of personal information we have disclosed about you for a business purpose.

Right to Delete Personal Information

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete, and direct our service providers to delete, your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us, or our service providers, to:

Complete the transaction for which we collected the personal information, provide a service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug to identify and repair errors that impair existing intended functionality.
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the deletion of the information is likely to render impossible or seriously impair the achievement of such research, if you have provided informed consent.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

For more information about these and other situations in which we may not delete your information, please see Cal. Civil Code § 1798.105(d).

Right to Data Portability

You have the right to request that we provide you with a copy of personal information we have collected and maintained about you in the past 12 months. California Privacy Laws allow you to request your information from us up to twice during a twelve (12) month period. We will provide our response in a readily usable format, which is usually electronic.

Right to Correct

You have the right to request that we correct any personal information we retain about you.

Right Opt-Out of the Selling or Sharing of Personal Information

At the time this Privacy Policy was last updated, we (1) DO NOT SELL personal information; and (2) we DO SHARE personal information for the purpose of cross-context behavioral advertising. You have the right to opt out of the sharing of your personal information, along with the right to opt in to the sale of such information. If we sell or share any of your personal information, you may, at any time, tell us not to sell or share your personal information.

Exercising Your Rights

To exercise your Right to Know, Right to Data Portability, Right to Correct, or Right to Delete as described above, please submit a verifiable consumer request to us by either:

Calling us at (800) 522-8817
Sending an email to [email protected]

Only you, or your authorized agent, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor. The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Making a verifiable consumer request does not require you to create an account with us. To use an authorized agent to make a verifiable consumer request, you must provide the authorized agent written authorization to do so. You may also be required to verify your own identity directly with us. We may deny a request from an authorized agent that does not submit proof that they have been authorized to act on your behalf. Such requirements, however, will not apply where you have provided the authorized agent with power of attorney pursuant to Cal. Probate Code §§ 4000 to 4465.

Upon receiving a Request to Know or a Request to Delete, we will confirm receipt within 10 days and provide information about how we will process the request, how we will verify your identity, and when you should expect a response (except in cases in which we have already granted or denied the request). We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For Right to Know requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Exercising the Right to Opt-Out of the Selling or Sharing of Personal Information

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting [email protected].

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by signing up for emails.

You do not need to create an account with us to exercise your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request.

If we have a good faith, reasonable, and documented belief that a request to opt-out is fraudulent, we may deny the request.

Non-Discrimination

We will not discriminate against you for exercising any of your California rights. Unless permitted by California law, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Your Texas Privacy Rights

The Texas Data Privacy and Security Act (TDPSA) provides Texas residents with the rights listed below, subject to applicable law. The categories of personal information we process, our purposes for processing your personal data, the categories of personal data that we share with third parties and the categories of third parties with whom we share it are detailed above in this Privacy Policy. Certain rights that you may have concerning your personal data are set forth in this Privacy Policy. The TDPSA provides you with the following additional rights:

Right to know. You have the right to know and see what personal data we have collected about you.
Right to data portability. You have the right to obtain a copy of your personal data that you previously provided to us in a portable and, when feasible, readily usable format, where the processing is carried out by automated means.
Right to delete. You have the right to request that we delete the personal data we have collected about you.
Right to opt out of sharing. You have the right to opt out of the sharing of your personal data and/or the processing of your personal data for purposes of (i) targeted advertising or (ii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. As of the latest date of the Privacy Policy:
Right to know. You have the right to know and see what personal data we have collected about you.

We DO process personal information for the purposes of targeted advertising
We DO NOT engage in profiling decision based on your personal information that produce legal or similarly significant effects concerning you.
If you wish to opt out of the processing of your personal information for any of the purposes set forth in this sub-section, please click HERE.

Right to correct. You have the right to request that we correct inaccurate personal data.
Right to nondiscrimination. You have the right not to receive discriminatory treatment by us for the exercise of your TDPSA privacy rights. Unless permitted by the TDPSA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Exercising Your Texas Privacy Rights

If you wish to opt out of the processing of your personal information for targeted advertising, please click the Do Not Share My Personal Information link on the website. To exercise any of your Texas privacy rights, or if you have any questions about your privacy rights, you may contact us by:

Calling us at (800) 522-8817
Sending an email to [email protected]

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page.

You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting the Website or mobile application and this privacy policy to check for any changes.

Contact Information
To ask questions or comment about this privacy policy and our privacy practices, or to register a complaint or concern, please contact us
at: [email protected].

Terms of Use Agreement

You are visiting a website owned by Newco Capital Group, LLC (“Newco”). This Terms of Use Agreement (“Agreement”) applies to the websites operated by Newco and any of its affiliates and subsidiaries and associated mobile applications (“Websites,” or each individually, “Website”) on which this Agreement is displayed. This Agreement also applies to your access to, and use of, any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference. You agree that, to the fullest extent required by the law of any state, you have been provided with, have received, and are agreeing to all disclosure and consent requirements. Certain Services may include additional terms; by agreeing to proceed with any such Services you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.

By using the Websites, you are entering into a legal agreement to abide by the Agreement you see here, and you are agreeing that you have read and fully understand the Agreement. These Websites are offered and available to users who are eighteen (18) years of age or older. By using these Websites, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements and are accessing the Internet from a physical location within the United States of America. If you do not meet all of these requirements, you must not access or use the Websites.

For purposes of this Agreement, “you” or “your” means the person(s) using the Websites and/or the Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or the Services.
“Newco”, “us” or “we” includes Newco Capital Group, LLC and any of its affiliates or subsidiaries.

Prohibited Uses
You may use the Websites only for lawful purposes and in accordance with this Agreement. You agree not to use the Websites:

In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the United States or other countries);
To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Websites, or which, as determined by us, may harm Newco or users of the Websites or expose them to liability.

Additionally, you agree not to:

copy/collect Newco content via robots, spiders, scripts, scrapers, crawlers, or any automated or manual equivalent (e.g., by hand) from the Websites;
collect Newco user information or interfere with Newco;
use the Websites in any manner that could disable, overburden, damage, or impair the Websites or the networks or systems connected to the Websites;
use any device, software or instrumentality to interfere with the proper working of the Websites or disobey any requirements, procedures, policies or regulations of networks connected to the Websites.
attempt to decipher, decompile, disassemble, or reverse engineer any of the software or other underlying code used to provide the Websites;
introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful;
attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Websites, the server on which the Websites is stored, or any server, computer or database connected to the Websites;
attack the Websites via a denial-of-service attack or a distributed denial-of-service attack;
otherwise attempt to interfere with the proper working of the Websites; or
advocate, encourage or assist any third party in doing any of the foregoing.

You also agree that you will not violate or attempt to violate the security of the Websites. Violations of system or network security may result in civil or criminal liability. Newco reserves the right to investigate occurrences which may involve such violations and Newco may involve, and cooperate with, law enforcement authorities in prosecuting users who have participated in such violations.

Intellectual Property Rights

The Websites and their entire contents, features and functionality (including but not limited to the Newco name, logo, and all related and affiliated names, logos, product and service names, designs, page headers, scripts, slogans, and any and all information, software, text, displays, images, video and audio, graphics, button icons, images, digital downloads, data compilations, software, and the design, selection and arrangement thereof), are owned by Newco, its licensors or other providers of such material and are protected by the United States and international copyright, trademark, patent, trade secret and other intellectual property laws. You must not use such marks without Newco’s prior written permission.

Newco uses a network of independent brokers, contractors, product and content suppliers, distributors and other such third parties to supply some of the products and content advertised on the Websites. All other trademarks, service marks, product names, package designs and company names or logos associated with these brokers, contractors, product and content suppliers, distributors and other such third parties that are not owned by Newco but appear on the Websites are the property of their respective owners.

This Agreement permits you to use the Websites for your personal use only. You must not access, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Websites on a commercial basis, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials;
You may store files that are automatically cached by your Web browser for display enhancement purposes;
You may print or download one copy of a reasonable number of pages of the Websites for your own personal use and not for further reproduction, publication or distribution on a commercial basis; and
If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Websites in breach of this Agreement, your right to use the Websites will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Websites or any content on the Websites is transferred to you, and all rights not expressly granted are reserved by Newco. Any use of the Websites not expressly permitted by this Agreement is a breach of this Agreement and may violate copyright, trademark and other intellectual property laws.

Disclaimers
The Websites are made available “as is”, “at your own risk”, and “as available”, without warranty of any kind, either express or implied including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title, accuracy, non-infringement or enjoyment. Newco makes no guarantee that the Websites are up-to-date, accurate, or complete, and you should not rely on them for any decision or to take any action. Newco does not warrant that the Websites will meet your requirements and/or are free of interruption or errors, or that any of the Websites are free of viruses, worms, bugs, or other malicious technology.

Limitation of Liability
To the fullest extent permitted by applicable law, Newco (including its subsidiaries or affiliates) shall not be liable to you or any other person for any damages whatsoever (including any direct, special, exemplary, indirect, incidental, consequential or punitive damages, costs or attorney’s fees) arising out of, or relating to, this Agreement, access to, use of or the operation of the Websites, any of the Websites’ content, whether based on warranty, contract, tort, or any other legal theory.

Indemnification
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Newco (including any of its subsidiaries, affiliates, licensors, contractors and their respective officers, directors, employees, agents, brokers, and representatives) from and against all claims, actions, liabilities, losses, demands, damages, expenses, and costs (including attorney’s fees) (collectively, the “Claims”) arising out of or relating to: (i) your access to or use of the Websites; (ii) your violation, misappropriation, or infringement of any rights of another (including intellectual property rights or privacy rights); or (iii) your breach of this Agreement. You shall promptly notify Newco of any third-party Claims, cooperate with Newco in defending such Claims, and pay all fees, costs, and expenses associated with defending such Claims (including, but not limited to, attorneys’ fees). Newco reserves the right to assume, at its sole discretion, the exclusive control over defense or settlement of any third-party Claims.

Questions and concerns regarding this Agreement can be addressed by contacting us via email at [email protected].

Authorizations and Disclosures

Credit Report Authorization and Disclosure for The NewCo Capital Group App
By proceeding with the use of The NewCo Capital Group App, you agree to the following terms regarding the access and use of your credit information:

Authorization to Obtain Credit Report: You hereby authorize The NewCo Capital Group to obtain your credit report and credit score from one or more credit reporting agencies for purposes such as evaluating your eligibility for financial products offered through our app, verifying your identity, and other related purposes as permitted by law

Purpose of Credit Inquiry: This credit pull is conducted as part of our assessment process for any financial services or products you may apply for via The NewCo Capital Group App. It is an essential step in understanding your financial standing and determining the most suitable offerings for you. Type of Credit Inquiry: Please be aware that this will constitute a "hard inquiry" on your credit report. A hard inquiry may impact your credit score and will be visible to other credit issuers and evaluators.

Consent Requirement: By using The NewCo Capital Group App and our services, you explicitly consent to us accessing your credit report for the aforementioned purposes. Your consent is required to proceed with any credit-related services we offer. Potential Impact on Credit Score: Understand that a hard inquiry might slightly lower your credit score for a short period. Multiple hard inquiries in a short time may have a more significant effect.

Confidentiality and Data Security: The NewCo Capital Group is committed to maintaining the confidentiality and security of your personal information. Your credit report and related personal data will be handled in accordance with our Privacy Policy and applicable data protection laws. Duration of Consent: This consent will remain in effect as long as you are using The NewCo Capital Group App to access financial products and services.

Withdrawal of Consent: You have the right to withdraw your consent at any time by contacting us through the app. Please be aware that withdrawing your consent may affect your ability to use certain services within the app that require credit information. By accepting these terms, you acknowledge that you have read, understood, and agreed to the above-stated terms regarding the use of your credit information by The NewCo Capital Group App.