Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website operated by Spearing Capital & Consulting Inc. (“Spearing Capital,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms. If you do not agree, do not use the website.

1. Website purpose

This website provides general information about commercial real estate and business financing and allows visitors to contact Spearing Capital. Website content is provided for informational purposes only and may not reflect every available structure, requirement, risk, or consideration.

2. No financing offer or commitment

Nothing on this website constitutes an offer, approval, commitment, promise, or guarantee to provide financing. Submitting an inquiry does not create an application, approval, customer relationship, fiduciary relationship, or obligation to proceed. Financing availability, terms, pricing, proceeds, collateral, documentation, and timing depend on the specific request, applicable program, due diligence, underwriting, and final approval.

3. No professional advice

Website content is not legal, tax, accounting, investment, or other professional advice. You should consult qualified advisers regarding your circumstances and independently review all financing documents, costs, obligations, risks, and alternatives before making a decision.

4. Your inquiries and submissions

You agree that information you provide will be accurate and submitted for a lawful purpose. Do not impersonate another person, submit information without authority, or knowingly provide false, misleading, incomplete, infringing, or unlawful material.

Do not submit Social Security numbers, bank credentials, full account numbers, or other highly sensitive information through a general website form or ordinary email. If additional documentation is needed, ask us for the appropriate delivery method.

5. Communications

By submitting an inquiry, you authorize Spearing Capital to respond using the contact information you provide. This permits communications about your inquiry or relationship but does not by itself constitute consent to receive automated marketing calls or texts. Where separate consent is required, it will be requested separately.

You are responsible for maintaining a working email address and telephone number and for reviewing communications and documents carefully. Electronic communications may be delayed, intercepted, or misdirected; do not use unsecured channels for sensitive information.

6. Permitted use

You may use this website only for lawful, personal, or internal business purposes. You may not:

• Interfere with, disrupt, damage, or attempt to gain unauthorized access to the website, accounts, servers, or networks.
• Introduce malware, malicious code, automated scraping, excessive requests, or other harmful technology.
• Use the website to violate law, infringe rights, commit fraud, or transmit unlawful or deceptive material.
• Copy, republish, sell, reverse engineer, or commercially exploit website content except as permitted by law or written authorization.
• Misrepresent an affiliation with Spearing Capital or use our name, marks, or content in a misleading manner.

7. Intellectual property

The website and its content—including text, design, graphics, logos, arrangement, and other materials—are owned by Spearing Capital or used with permission and are protected by intellectual-property laws. Limited access to the website does not transfer ownership or any license except the revocable right to view and use the website under these Terms.

8. Third-party services and links

The website may include embedded forms, tools, content, or links operated by third parties. Third-party services are governed by their own terms and privacy practices. We do not control and are not responsible for their availability, content, security, or practices. A link or integration does not necessarily imply endorsement.

9. Privacy

Our Privacy Policy describes how we collect, use, disclose, and protect information associated with the website. Additional notices or authorizations may apply to a particular request or relationship.

10. Website availability and changes

We may modify, suspend, or discontinue any part of the website at any time. We do not guarantee that content will be complete, current, accurate, uninterrupted, secure, or free of errors. Program information and market conditions may change without notice.

11. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. SPEARING CAPITAL DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO PORTIONS OF THIS SECTION MAY NOT APPLY TO YOU.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPEARING CAPITAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING FROM OR RELATED TO THE WEBSITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR CLAIMS ARISING FROM OR RELATED TO THE WEBSITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS DO NOT APPLY WHERE PROHIBITED BY LAW.

13. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Spearing Capital and its officers, directors, employees, contractors, and agents from claims, losses, liabilities, damages, and expenses—including reasonable attorneys’ fees—arising from your misuse of the website, violation of these Terms, unlawful conduct, or infringement of another person’s rights.

14. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Subject to applicable law, any court proceeding arising from these Terms or the website must be brought in a state or federal court located in Hillsborough County, Florida, and you consent to that court’s jurisdiction and venue.

15. Severability and waiver

If any provision is held unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will remain in effect. A failure to enforce any provision is not a waiver.

16. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date identifies the current version. Continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms.

17. Contact

Spearing Capital & Consulting Inc.
8875 Hidden River Parkway, Suite 300
Tampa, Florida 33637
Phone: 813-566-1441
Email: info@spearing.capital