Terms of Service

These Terms of Service (“Terms”) govern access to and use of the Hybrid platform (the “Platform”), operated by Hybrid Capital Group LLC (“Hybrid,” “we,” “us”). By creating an account or using the Platform, you agree to these Terms. If you use the Platform on behalf of a brokerage or other organization, you represent that you are authorized to bind that organization to these Terms.

1. What the Platform is

Hybrid is a commercial loan referral platform. Referral partners (such as real estate agents and loan officers) submit commercial loan opportunities, brokerages manage their referral teams and pipelines, and borrowers can view the status of loan applications submitted on their behalf. The Platform also includes tools that help brokerages identify prospective commercial borrowers from public and licensed business and property data.

Hybrid is not a lender, and is not a party to any loan. The Platform does not make credit decisions, does not underwrite or originate loans, and does not guarantee that any submitted deal will be reviewed, accepted, funded, or closed. All lending decisions are made by third-party lenders. Nothing on the Platform constitutes financial, legal, investment, or tax advice.

2. Accounts and eligibility

• You must be at least 18 years old and able to form a binding contract.
• Account information you provide must be accurate and kept current. You are responsible for safeguarding your credentials and for all activity under your account.
• Some account types (for example, referral partner accounts) require activation or approval by a brokerage administrator before full access is granted.
• Notify us promptly of any unauthorized use of your account.

3. Roles on the Platform

Access is role-based. Referral partners (agents) submit and track their own deals. Managers may additionally view their team’s activity within their brokerage. Brokerage administrators manage their organization’s members, deals, and settings. Borrowers can view the status of applications connected to them. Each brokerage’s data is isolated: members of one brokerage cannot access another’s data through the Platform.

4. Referrals and commissions

The Platform records deal stages and tracks commission amounts and statuses as entered by brokerage administrators. Commission entitlements, rates, splits, and payment obligations are governed solely by the agreements between you and your brokerage (and, where applicable, between the brokerage and its lending partners). Hybrid displays and tracks this information but is not responsible for paying, collecting, or arbitrating commissions.

5. Your content and submissions

• You are responsible for the accuracy of information you submit, including deal, property, and borrower details and uploaded documents.
• You must have the borrower’s authorization before submitting their personal or business information to the Platform.
• You retain ownership of content you submit. You grant us the license needed to host, process, display, and transmit that content to operate the Platform — including sharing deal information with the brokerage processing it and, at the brokerage’s direction, with prospective lenders.

6. Acceptable use

You agree not to:

• submit false, misleading, or fraudulent deals or borrower information;
• access or attempt to access another organization’s data;
• scrape, harvest, resell, or redistribute data obtained through the Platform, including prospect and property data surfaced by its research tools;
• use the Platform to send unlawful communications, including communications that violate telemarketing, anti-spam, or fair-lending laws;
• interfere with the Platform’s operation or attempt to bypass its security or access controls;
• use the Platform in violation of any applicable law or licensing obligation, including real estate and loan brokering license requirements applicable to you.

7. Third-party data and services

The Platform incorporates data and services from third parties, including property and ownership data, business listings, and contact enrichment providers. Third-party data is provided “as is”: it may be incomplete or out of date, and it is intended as a research starting point, not a verified record. You are responsible for independently verifying material facts before acting on them.

8. Intellectual property

The Platform, including its software, design, and branding, is owned by Hybrid Capital Group LLC or its licensors and is protected by intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable right to use the Platform for its intended purpose. We may use feedback you provide without obligation to you.

9. Disclaimers

The Platform is provided “as is” and “as available” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or that any deal will result in funding. Automated scores and matches produced by the Platform are estimates to assist human judgment, not promises of outcome.

10. Limitation of liability

To the maximum extent permitted by law, Hybrid Capital Group LLC will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, or data, arising from or related to the Platform. Our total liability for any claim will not exceed the greater of the amounts paid to us for the Platform in the twelve months before the claim arose or one hundred U.S. dollars (US$100).

11. Indemnification

You will indemnify and hold harmless Hybrid Capital Group LLC from claims arising out of your use of the Platform, your content and submissions, your violation of these Terms, or your violation of any law or third-party right — including claims arising from submitting borrower information without proper authorization.

12. Suspension and termination

You may stop using the Platform at any time. We may suspend or terminate access that violates these Terms, creates risk for other users, or is required by law. Brokerage administrators may deactivate members of their own organization. Sections that by their nature should survive termination (including Sections 8–11) survive.

13. Changes to the Platform and these Terms

We may modify the Platform and these Terms. For material changes to the Terms we will give reasonable notice (for example, by email or an in-product notice). Continued use of the Platform after changes take effect constitutes acceptance.

14. Governing law

These Terms are governed by the laws of Georgia, without regard to conflict-of-law rules. The exclusive venue for disputes is the state and federal courts located in Georgia, and each party consents to their jurisdiction.

15. Contact

Hybrid Capital Group LLC
8785 Sawgrass Way, Duluth, GA, 30097, USA
support@hybridcre.com