Terms of Use & Service

Effective date: November 4, 2026

2.1 Agreement, operator and eligibility

These Terms govern access to joinfundiq.com and related FundIQ B2B community features, profiles, resources, events, listings and membership services (the “Services”). The Services are operated by Kannan Collective Group LLC (“FundIQ,” “we,” “us,” or “our”), 4242 Six Forks Road, Suite 1550, Raleigh, North Carolina 27615, United States of America. Contact: info@the-kg.com.

By selecting the required agreement checkbox and creating an account or purchasing Services, you agree to these Terms and the Community Guidelines, Opportunities & Business Dealings policy, and applicable Membership, Billing & Cancellation policy linked at acceptance. The Privacy Notice explains our data practices; agreeing to these Terms does not constitute blanket consent to all personal-data processing. If you do not agree, do not register or purchase Services.

You must be at least 18, able to form a binding contract, and authorized to act for any business you represent. You represent that your use is lawful where you are located. Access is subject to applicable sanctions and export restrictions. Availability online does not establish that every Service is offered or licensed in every jurisdiction.

2.2 Accounts and representations

Provide accurate registration, business and professional information; keep it reasonably current. Protect login credentials and notify us promptly of suspected unauthorized use. Do not impersonate others, share access outside an expressly permitted team plan, transfer an account without permission, or create replacement accounts to evade restrictions. You are responsible for activity you authorize; this provision does not eliminate FundIQ’s own legal obligations.

2.3 Community role and independent services

FundIQ facilitates business education, discovery and connections. Unless a separate written agreement expressly states otherwise, FundIQ is not a party to member transactions, does not hold transaction funds in escrow, and does not guarantee payment, delivery, licensing, solvency, compliance or performance by another party. A listing, introduction, badge, sponsorship or membership is not a warranty or recommendation that an opportunity is suitable for you.

Any financing request is routed through The Kannan Group’s designated process. Community membership is not a financing application, approval or commitment. Funding may be offered by independent providers subject to underwriting, availability, eligibility and separate disclosures and agreements. FundIQ membership fees do not purchase funding approval or preferential underwriting.

2.4 Educational information and professional advice

General content, discussions, templates, webinars, calculators and any automated or AI-assisted outputs are informational. They may be incomplete, inaccurate or unsuitable for a particular situation. They do not create an attorney-client, accountant-client, fiduciary, advisory or other professional relationship. Obtain qualified legal, tax, accounting, financial or other advice where appropriate. Separately retained professionals are responsible for their contracted services under their own agreements. Nothing here changes duties that FundIQ or an affiliate actually undertakes in a separate engagement or that the law imposes.

2.5 Plans, purchases and changes

Free and paid features are identified on the plan page and checkout. The membership policy governs renewal, cancellation and refunds. Additional services, events or products may require separate payment and terms clearly presented before purchase. We may improve or modify Services, but will give reasonable advance notice of material reductions to paid benefits when practicable and provide any remedy required by law. No membership guarantees leads, contracts, profit, financing, attendance or business growth.

2.6 Content ownership and limited license

You retain ownership of content you lawfully submit. You grant FundIQ a nonexclusive, worldwide, royalty-free license to host, store, reproduce, format, display and distribute that content only as reasonably necessary to operate, secure and provide the Services and display it to the audience you select. Service providers may exercise these rights for those purposes. This license does not transfer ownership or authorize unrelated sale of your content. Separate permission is required for promotional uses outside the submitted context, unless already expressly authorized.

You represent that you have necessary rights and permissions, that factual representations are not knowingly false or misleading, and that your content does not unlawfully disclose confidential or personal information. Deletion ends this license when operational copies are removed, except for reasonable backups, legal retention, or content independently reshared by others as permitted by law.

FundIQ materials, marks, designs and software remain owned by FundIQ or their licensors. We grant a limited, revocable, nontransferable right to use the Services for their intended purposes. No unauthorized resale, scraping, bulk extraction, copying of protected materials or use of marks suggesting endorsement is permitted.

2.7 Confidentiality and member information

Public or community-visible posts are not a confidential channel. Do not post bank statements, Social Security numbers, credit reports, passwords, private financial applications, trade secrets or client records in profiles, discussions or opportunity listings. Use the designated secure workflow for any separately authorized funding submission. Members must not export directories, disclose restricted discussions or use member information for unauthorized solicitation. A confidentiality label does not create an NDA or guarantee that other members will comply; use a separate agreement before sharing sensitive business information.

2.8 Third parties and commercial relationships

External websites, videos, payment providers and independent professionals may have separate terms and privacy practices. Review them before use. FundIQ may receive sponsorship, referral or affiliate compensation, as disclosed at the relevant placement. Compensation does not guarantee quality or results. FundIQ remains responsible for its own statements and obligations under applicable law.

2.9 Moderation, restrictions and termination

We may investigate credible concerns, remove content, limit features, or suspend or terminate access for fraud, safety threats, material violations, legal requirements or abuse. Where lawful and appropriate, we will provide notice and an opportunity to respond or appeal by contacting info@the-kg.com. Immediate restrictions may be imposed when necessary to protect members or preserve evidence. A complaint alone does not establish misconduct. We do not promise to pre-screen every post or resolve every commercial dispute.

You may close your account by contacting info@the-kg.com. When you close your account, we will cancel any associated recurring membership subscription and stop future renewal charges. Retention and deletion are governed by the Privacy Notice and applicable law. If we end paid service for our convenience, we will refund prepaid unused service proportionately. Other refunds follow the Membership, Billing and Cancellation policy and applicable law.

2.10 Warranty disclaimer

TO THE EXTENT PERMITTED BY LAW, SERVICES AND GENERAL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,”

WITHOUT IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED ACCESS, ERROR-FREE CONTENT OR ANY PARTICULAR BUSINESS RESULT. THESE DISCLAIMERS DO NOT OVERRIDE EXPRESS WRITTEN COMMITMENTS, MANDATORY STATUTORY RIGHTS OR LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED.

2.11 Limitation of liability

TO THE EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE TO THE OTHER UNDER THESE TERMS FOR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS OR LOST BUSINESS OPPORTUNITIES.

FUNDIQ’S AGGREGATE LIABILITY ARISING FROM THE SERVICES WILL NOT EXCEED THE GREATER OF US $100 OR THE MEMBERSHIP FEES YOU PAID TO FUNDIQ IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limitations do not apply to fraud, intentional misconduct, gross negligence, death or personal injury caused by negligence, or any other liability that cannot lawfully be limited. They do not limit mandatory privacy remedies, legally required refunds, or obligations expressly undertaken in a separate signed agreement. Local law may provide additional exceptions.

2.12 Limited indemnification

To the extent permitted by law, you will indemnify FundIQ against third-party claims and reasonable associated costs arising from your unlawful content, infringement of others’ rights, fraud, or material breach of these Terms, to the extent caused by your conduct. This does not require indemnification for FundIQ’s own negligence or misconduct. FundIQ will provide reasonably prompt notice and reasonable cooperation; no settlement may impose an admission or nonmonetary obligation on you without your consent. Defense arrangements must be reasonable and consistent with applicable law.

2.13 Disputes and governing law

Contact info@the-kg.com with a description of a dispute so the parties may attempt good-faith resolution for 30 days. This does not prevent urgent relief, regulator complaints, small-claims proceedings where available, or protection of a filing deadline. Subject to mandatory legal protections, these Terms are governed by the laws of the State of North Carolina, United States of America, without regard to conflict-of-law principles. The parties consent to jurisdiction in the state or federal courts located in North Carolina. Nothing deprives users of mandatory rights to bring proceedings elsewhere.

These Terms do not require mandatory arbitration or waive class actions or jury trials.

2.14 Updates and general provisions

We will post a dated version and give reasonable notice of material changes. Changes apply prospectively; where law requires renewed agreement, we will obtain it. A later revision does not retroactively govern an existing dispute without lawful agreement. If a provision is unenforceable, remaining provisions remain effective to the extent possible. Failure to enforce a provision is not a waiver. These Terms and expressly incorporated policies govern community Services; a separate signed agreement controls the specific service it covers if inconsistent. Provisions intended by their nature to survive termination, including ownership, accrued payment obligations and lawful liability limits, survive.