Effective Date: October 1, 2024

Welcome to SNB Capital 18 LLC ("SNB Capital 18," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website at snbcapital18.com ("Site") and our fintech products and services. By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.

1. Acceptance of Terms

By accessing our Site or using any of our services, you represent that you are at least 18 years of age, have the legal authority to enter into these Terms, and agree to comply with all applicable laws and regulations. These Terms constitute a legally binding agreement between you and SNB Capital 18 LLC.

2. Description of Services

SNB Capital 18 provides financial technology solutions including, but not limited to:

The specific terms governing each service, including fees, deliverables, and service levels, will be set forth in a separate agreement executed between the parties.

3. SMS Terms & Conditions

Text Messaging Program

By opting in to receive SMS/text messages from SNB Capital 18 LLC, you agree to the following terms:

  • Program: SNB Capital 18 LLC will send recurring marketing and promotional SMS/MMS messages, including product updates, offers, and information about our fintech services, using an automated telephone dialing system (ATDS).
  • Message Frequency: Message frequency varies; you may receive up to 4 messages per month.
  • Message and Data Rates: Message and data rates may apply based on your wireless carrier and plan. Contact your carrier for details.
  • Opt-Out: Reply STOP to opt out at any time. After opting out, you will receive a final confirmation message and will not receive further SMS messages unless you re-opt in.
  • Help: Reply HELP for assistance, or contact us at isaac@snbcapital18.com.
  • Consent: Consent is NOT a condition of purchase. You may use our fintech services without consenting to receive SMS messages.
  • Supported Carriers: Major carriers are supported. Carrier support may vary.
  • Privacy: No mobile information will be shared with third parties for marketing or promotional purposes. See our Privacy Policy for details.

4. Acceptable Use

You agree to use our Site and services only for lawful purposes and in compliance with these Terms. You agree NOT to:

5. Intellectual Property

All content on this Site — including text, graphics, logos, icons, images, software, and other materials — is the property of SNB Capital 18 LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, or commercially exploit any content without our express written permission.

6. Disclaimers

Our Site and services are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

SNB Capital 18 does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on our Site.

No content on this Site constitutes financial, investment, legal, or tax advice. You should consult qualified professionals before making any financial or business decisions.

7. Limitation of Liability

To the maximum extent permitted by applicable law, SNB Capital 18 LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our Site or services. This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses.

Our total liability to you for any claims arising under these Terms shall not exceed the amount paid by you to SNB Capital 18 in the twelve (12) months preceding the claim, or $100, whichever is greater.

8. Indemnification

You agree to indemnify, defend, and hold harmless SNB Capital 18 LLC and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our Site or services; (b) your violation of these Terms; or (c) your violation of any third-party rights.

9. Privacy

Your use of our Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our practices regarding your personal information.

10. Third-Party Links & Services

Our Site may contain links to third-party websites or services. These links are provided for your convenience only. SNB Capital 18 does not control and is not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party sites is at your own risk.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the effective date at the top of this page. Your continued use of our Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New York, and you consent to personal jurisdiction and venue in such courts.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any separate service agreements, constitute the entire agreement between you and SNB Capital 18 LLC regarding your use of the Site and supersede all prior negotiations, representations, warranties, and agreements.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us: