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Terms and Conditions of Use

Please read these terms carefully before using our website

Understanding Our Terms

Welcome to the website of Capital Review Management LLC. By accessing and using capitalreviewmgt.com, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully to understand your rights and obligations.

Acceptance of Terms

By accessing and using the Website, you acknowledge and agree to abide by these Terms and Conditions and all applicable laws and regulations. If you do not agree to any of these terms, please do not use the Website.

User Agreement (CRM-2.2)

1

By accessing capitalreviewmgt.com, you agree to these Terms — all website interactions subject to Mini-Miranda disclosure requirements (CRM-2.2) and FDCPA compliance (CRM-1.1).

2

You acknowledge that applicable federal and state laws govern your use — Capital Review operates under state-specific compliance matrices (CRM-9.x) across all jurisdictions.

3

If you do not agree to these terms, discontinue use immediately — this website is operated by Capital Review Management, a debt collector under CRM-1.1 regulatory standards.

Terms Updates (CRM-1.1)

1

Capital Review Management reserves the right to update these Terms at any time per CRM-1.1 regulatory compliance — all changes documented with full audit trails.

2

Changes effective immediately upon posting — updates tracked in Maxify CRM (CRM-2.1) with 3-year document retention per CRM-2.6 standards.

3

Continued website use after changes constitutes acceptance — all terms aligned with FDCPA, TCPA, and state-specific compliance requirements (CRM-9.x).

Modifications to Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Your continued use of the Website constitutes acceptance of any changes.

Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. We encourage you to review our Privacy Policy to understand how we collect, use, and protect your information.

Privacy Integration (CRM-1.6)

1

Website use governed by our Privacy Policy per PHI/privacy safeguards (CRM-1.6) — all data protected with AES-256 encryption (CRM-4.1) and role-based access controls (CRM-4.4).

2

Privacy Policy details how we collect, use, and protect personal information through Maxify CRM (CRM-2.1) with PCI DSS-certified tokenization (CRM-3.8) on financial data.

3

Review our Privacy Policy regularly — Capital Review maintains full compliance with FDCPA (CRM-1.1), TCPA (CRM-1.5), and all applicable consumer protection regulations.

Content Protection (CRM-4.4)

1

All website content — text, graphics, logos, and software — is the property of Capital Review Management LLC, protected under applicable intellectual property laws.

2

Content protected by copyright and trademark laws — unauthorized access monitored through CRM-4.4 access controls with 15-minute session timeouts and MFA protection.

3

Reproduction, distribution, or use of any content requires express written permission from Capital Review Management LLC.

Intellectual Property

All content on the Website, including text, graphics, logos, and software, is the property of Capital Review Management LLC and is protected by copyright laws. You may not use, reproduce, or distribute any content without our express written permission.

Limitation of Liability

We are not liable for any damages resulting from your use of, or inability to use, the Website or any services provided. This includes, without limitation, damages due to errors, interruptions, or data loss.

Liability Boundaries (CRM-4.3)

1

Capital Review Management is not liable for damages from website use — disaster recovery protocols (CRM-4.3) maintain 4-hour CRM RTO and 8-hour portal RTO for service continuity.

2

This includes damages due to errors, service interruptions, or data loss — quarterly backup tests per CRM-4.3 ensure data integrity and rapid recovery capabilities.

3

Website and services provided "as is" — Capital Review maintains comprehensive security per CRM-4.1 but cannot guarantee uninterrupted service availability.

SMS Service Terms (CRM-2.4)

1

Text message consent governed by TCPA framework (CRM-1.5) with electronic consent documentation — message and data rates may apply per your carrier agreement.

2

Message frequency varies by account activity — reply STOP for 1-hour opt-out processing (CRM-2.4) with 4-year TCPA consent retention per CRM-1.5 standards.

3

Reply HELP for assistance or contact 888-681-0360 — all SMS interactions recorded in Maxify CRM (CRM-2.1) with AI disclosure compliance per CRM-8.3.

Text Messaging Terms and Conditions

By consenting to receive text messages from Capital Review Management LLC, you agree to electronic consent, message and data rates may apply, variable message frequency, help information availability, opt-out procedures, MMS vs. SMS delivery, and service provider liability limitations.

Additional Terms

Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party websites.

Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the state of Texas, without regard to its conflict of law principles.

Termination of Use

We reserve the right to suspend or terminate your access to the Website at any time for violation of these Terms and Conditions or for any other reason.

Contact Us

For any questions regarding these Terms and Conditions, please contact us at:

Capital Review Management LLC

888-681-0360

Email: info@capitalreviewmanagement.com