Effective Date: 1 December 2025

These Terms of Service ("Terms") govern your use of Spirit Capital’s website, SMS communications, and educational content (the "Services"). By using or opting into our Services, you agree to these Terms.

1. Nature of the Service

Spirit Capital provides educational financial content and reminders only. We do not provide:

Financial, legal, or tax advice

Investment recommendations

Product promotions or advertising

All content is for general educational purposes and should not be relied upon as personalized financial advice.

2. User Eligibility

By using the Services, you confirm that you:

Are at least 18 years old

Have voluntarily opted in to receive messages

Will use the Services for lawful purposes only

3. User Responsibilities

You agree to:

Provide accurate contact information

Maintain control over your opt-in status

Not misuse or attempt to exploit the Services

4. Opt-Out and Termination

You may stop receiving messages at any time by replying STOP. We reserve the right to suspend or terminate access if the Services are misused or if required by law.

5. Intellectual Property

All content, text messages, and materials provided by Spirit Capital are our intellectual property and may not be reproduced or distributed without permission.

6. Disclaimer of Warranties

The Services are provided on an "as-is" basis. We make no guarantees regarding outcomes, financial results, or accuracy of information as it applies to individual situations.

7. Limitation of Liability

To the maximum extent permitted by law, Spirit Capital shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Services.

8. Governing Law

These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles.

9. Changes to These Terms

We may update these Terms periodically. Continued use of the Services constitutes acceptance of the revised Terms.

10. Contact Information

Spirit Capital
1 E Liberty Street, Suite 671
Reno, CA 89501, USA
Email: [email protected]
Phone: +1 (562) 552-8344