Effective May 2026

These Terms of Use govern your access to and use of the website operated by Trade Credit Group LLC (“Trade Credit Group,” “we,” “us,” or “our”). By accessing or using this website, submitting information through our website, or otherwise interacting with website content, you agree to these Terms of Use.

If you do not agree with these Terms of Use, you should not use this website.

Informational Purposes Only

The information provided on this website is for general informational purposes only. It is not intended to constitute legal, financial, tax, accounting, investment, underwriting, or insurance advice.

Website content is not a substitute for professional advice based on your specific business circumstances, financial condition, insurance needs, contracts, customers, receivables, or risk profile.

No Broker-Client Relationship

Use of this website, submission of an inquiry form, completion of an application, or communication with Trade Credit Group through the website does not, by itself, create a broker-client relationship, advisory relationship, fiduciary relationship, or other professional relationship.

Any engagement with Trade Credit Group is subject to review, acceptance, and applicable written agreements or confirmations.

Insurance Brokerage Role

Trade Credit Group acts as an insurance broker and is not an insurance carrier, insurer, underwriter, lender, or guarantor.

We may assist clients or prospective clients in evaluating trade credit insurance or related receivables-risk solutions, accessing insurance markets, preparing applications, coordinating underwriting review, and servicing insurance-related matters. However, any insurance coverage, if available, is provided only by the issuing insurance carrier and is governed solely by the final policy documents.

No Guarantee of Coverage

Submitting information through this website does not guarantee that insurance coverage will be available, quoted, bound, renewed, or issued.

All coverage is subject to carrier underwriting, eligibility requirements, policy terms, conditions, exclusions, limitations, deductibles, credit limits, endorsements, and final approval by the applicable insurance carrier.

Trade Credit Group does not guarantee that any particular customer, debtor, receivable, transaction, policy, claim, or loss will be covered.

No Binding Authority Through Website

No coverage may be bound, amended, extended, renewed, cancelled, or otherwise changed through this website unless confirmed in writing by an authorized party.

Website content, form submissions, email communications, phone discussions, marketing materials, or informal communications do not alter, expand, waive, or replace the terms of any insurance policy, quote, binder, endorsement, or carrier-issued document.

Accuracy of Information Submitted

You are responsible for ensuring that any information you submit to Trade Credit Group is accurate, complete, current, and authorized to be disclosed.

You agree not to submit false, misleading, incomplete, or unauthorized information. Trade Credit Group may rely on information submitted by you or on your behalf when reviewing inquiries, preparing applications, communicating with insurance markets, or assisting with insurance-related matters.

Confidential and Sensitive Information

You should not submit confidential, proprietary, financial, customer, receivables, or other sensitive business information unless you are authorized to do so and are comfortable with the method of transmission.

Although we take reasonable steps to protect information submitted to us, no website, email system, online form, or electronic transmission method is completely secure.

Use of this website is also governed by our Privacy Policy.

Website Content

We make reasonable efforts to provide accurate and useful website content. However, we do not warrant that the information on this website is complete, current, accurate, error-free, or suitable for your particular circumstances.

We may update, modify, or remove website content at any time without notice.

Third-Party Links and Services

This website may contain links to third-party websites, platforms, tools, forms, or services. These links are provided for convenience only.

Trade Credit Group is not responsible for the content, accuracy, security, availability, privacy practices, or terms of any third-party website or service. Your use of third-party websites or services is governed by their respective terms and policies.

Intellectual Property

All content on this website, including text, graphics, logos, design elements, page layouts, branding, downloads, forms, and other materials, is owned by Trade Credit Group or its licensors unless otherwise stated.

You may view, download, or print website materials for your own internal business evaluation purposes only. You may not copy, reproduce, modify, distribute, display, publish, sell, or use website materials for commercial purposes without our prior written consent.

Prohibited Uses

You agree not to use this website to:

• Violate any applicable law or regulation

• Submit false, misleading, unauthorized, or unlawful information

• Interfere with website security or functionality

• Attempt to gain unauthorized access to systems, data, accounts, or networks

• Upload malicious code, viruses, or harmful materials

• Copy, scrape, harvest, or misuse website content or data

• Misrepresent your identity, authority, company, or affiliation

Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Trade Credit Group disclaims all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, availability, and security.

Limitation of Liability

To the fullest extent permitted by law, Trade Credit Group and its members, officers, employees, representatives, affiliates, partners, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising out of or related to:

• Use of this website

• Reliance on website content

• Submission of information through the website

• Inability to access or use the website

• Errors, omissions, interruptions, or security issues

• Third-party websites, platforms, tools, or services

• Any insurance coverage decision, underwriting decision, carrier action, claim determination, or policy interpretation

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Trade Credit Group and its members, officers, employees, representatives, affiliates, partners, and service providers from and against any claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of this website, your submission of information, your violation of these Terms of Use, or your violation of any law or third-party rights.

Changes to These Terms

We may update these Terms of Use from time to time. Any revised version will be posted on this page with an updated effective date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms of Use.

Governing Law

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