Terms & Conditions — CreditToCapital.ai

Effective date: October 28, 2026
Operator: CreditToCapital.ai is operated by Universal Media Marketing LLC ("we," "us," "our").
Contact: support@credittocapital.ai

1. Acceptance and scope

By using this website, you agree to these Terms & Conditions. These terms cover use of this website, our Privacy Policy, and our SMS program. Funding service terms are provided separately in client agreements and are not part of these website terms. Funding-related disclosures appear on the assessment and results pages and in the site footer.

2. Using this website

• Provide accurate information when you use our forms.
• Use the site lawfully and do not interfere with its operation.
• Site content is provided for your personal, informational use.
• We may change or discontinue parts of the site at any time.

3. SMS program terms

• Program: CreditToCapital.ai SMS updates.
• Messages: If you opt in, we may send text messages about your funding assessment, application updates, and funding-related offers. Messages may include automated or marketing texts.
• Frequency: Message frequency varies.
• Cost: Message and data rates may apply.
• Opt-in: By checking the optional SMS checkbox on the Funding Assessment contact form, you agree to receive these messages. Consent is not required to purchase services or to complete the assessment. No other form on this website collects SMS consent.
• Opt-out: Reply STOP to any message to opt out. Reply HELP for assistance.
• Carriers: Mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to your carrier's coverage and your device.
• Eligibility: The program is available to users with a U.S. mobile number capable of receiving text messages.
• Age requirement: You must be at least 18 years old to participate in the SMS program.

4. Privacy

Our Privacy Policy explains what information we collect, how we use and share it, and your choices. It is part of these terms by reference: Privacy Policy.

5. Changes to these terms

We may update these terms from time to time. Continued use of the site after an update constitutes acceptance of the updated terms.

6. Contact

Questions about these terms: support@credittocapital.ai.