Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TLN LLC, doing business as The Liquidity Network ("TLN," "we," "us," or "our"), regarding your access to and use of our website located at theliquiditynetwork.com and any subdomain thereof (the "Site"), and the information, content, tools, features, and services available through the Site.

By accessing, browsing, or using the Site in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately discontinue use of the Site.

We reserve the right to modify these Terms at any time, effective upon posting of the revised Terms on the Site. Your continued use of the Site following the posting of any changes constitutes your acceptance of such changes. It is your responsibility to check these Terms periodically for changes.

2. Description of Services

TLN LLC is a private lending company that offers asset-backed capital arrangements secured by high-value tangible assets including, but not limited to, luxury vehicles, fine timepieces, jewelry, fine art, yachts and marine assets, aircraft, motorsports equipment, memorabilia and sports collectibles, precious metals, construction equipment, and collectibles and heirlooms.

The Site provides information about TLN's lending services, the asset categories accepted as collateral, and the general process for submitting a capital inquiry. The Site also provides educational content about asset-backed lending and related topics.

The Site does not constitute an offer to lend. All information on the Site regarding loan amounts, terms, rates, and LTV ratios is illustrative and indicative only. No lending arrangement is formed until both parties have executed a written loan agreement. The submission of an inquiry through the Site does not obligate TLN to provide any capital, and TLN retains sole discretion to approve, decline, or modify the terms of any potential lending arrangement.

3. Eligibility

The Site and services are intended for use by adults who are legally capable of entering into binding contracts in their jurisdiction of residence. By using the Site or submitting an inquiry, you represent and warrant that:

• You are at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater)
• You have the legal capacity to enter into binding contracts
• You are not barred from using our services under applicable law
• You will use the Site and services only for lawful purposes and in accordance with these Terms
• Any information you provide in connection with a capital inquiry is truthful, accurate, and complete to the best of your knowledge

TLN reserves the right to refuse service, terminate accounts, or remove content at our sole discretion, with or without notice, for any reason including but not limited to violation of these Terms, provision of false or misleading information, or conduct we determine to be harmful to TLN or other users.

4. No Financial Advice

The content on this Site, including blog articles, educational materials, and descriptions of our services, is provided for informational purposes only and does not constitute financial, legal, tax, or investment advice. You should not rely on any content on this Site as the sole basis for any financial decision.

Before entering into any lending arrangement, you are strongly encouraged to consult with qualified legal counsel, a financial advisor, and a tax professional to understand the implications of any such arrangement for your specific circumstances. TLN's personnel, while knowledgeable about our lending products, are not licensed as financial advisors, attorneys, or tax professionals, and their communications should not be construed as professional advice in those domains.

Past performance of any asset category, transaction outcomes, or illustrative examples referenced on this Site are not indicative of future results. Asset values fluctuate, and any arrangement involving collateral carries the risk of loss of the pledged asset in the event of default.

5. Accuracy of Information; No Warranties

We make reasonable efforts to ensure that information on the Site is accurate and current. However, we make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any information, products, services, or graphics on the Site for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TLN DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

6. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, photographs, videos, and the overall design and layout ("Content"), is owned by or licensed to TLN LLC and is protected by applicable copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Site and Content for your personal, non-commercial purposes. You may not: (a) reproduce, copy, distribute, or create derivative works from any Content without our express written permission; (b) use any Content for commercial purposes; (c) remove any copyright or proprietary notices from any Content; or (d) use any automated tools, scrapers, or robots to access or collect data from the Site without our express written permission.

The name "The Liquidity Network," the TLN logo, and any related marks are trademarks or service marks of TLN LLC. Nothing in these Terms grants you any right to use these marks without our prior written consent.

7. User Submissions and Communications

When you submit an inquiry, email us, call us, or otherwise communicate with TLN in connection with a potential lending arrangement, you represent that all information you provide is truthful, accurate, and complete. You acknowledge that providing false or misleading information in connection with a capital inquiry or loan application may constitute fraud and may result in civil or criminal liability.

Any information you submit to TLN becomes subject to our Privacy Policy. By submitting information to TLN, you consent to TLN's use of that information as described in our Privacy Policy.

TLN does not accept unsolicited business proposals, investment pitches, or creative submissions through this Site. Any unsolicited materials submitted to TLN become the property of TLN and will not be returned or subject to any confidentiality obligation on our part.

8. Third-Party Links and Services

The Site may contain links to third-party websites, services, or resources. These links are provided for your convenience and informational purposes only. TLN has no control over the content, privacy practices, or operations of any third-party site and accepts no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply our endorsement of the linked site.

We may use third-party service providers to support certain features of the Site, including analytics, communication tools, and payment processing. Your use of these features may be subject to the third-party providers' terms of service and privacy policies in addition to our own.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TLN LLC, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, DATA, GOODWILL, USE, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF TLN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL TLN'S TOTAL AGGREGATE LIABILITY TO YOU ARISING OUT OF OR RELATED TO THESE TERMS, THE SITE, OR THE SERVICES EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO TLN IN CONNECTION WITH THE TRANSACTION GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain types of liability. In such jurisdictions, our liability will be limited to the greatest extent permitted by applicable law.

10. Indemnification

You agree to indemnify, defend, and hold harmless TLN LLC, its officers, directors, members, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) that arise from or relate to: (a) your use of the Site or services; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) any information you provide to TLN that is false, inaccurate, or misleading.

11. Important Lending Disclosures

Asset-backed loans offered by TLN LLC use the borrower's tangible personal property as collateral to secure the lending obligation. The following disclosures are material to any prospective borrower:

• Risk of asset loss: If a borrower fails to make required payments in accordance with the terms of a signed loan agreement, TLN may exercise its contractual and legal rights as a secured lender, which may include enforcement of the security interest in the pledged collateral and potential loss of the asset by the borrower.
• No guarantee of specific terms: Any loan amounts, LTV ratios, interest rates, or fee structures discussed on this Site or in preliminary communications are indicative only and are not binding on TLN until reflected in a fully executed written loan agreement.
• Independent appraisal: TLN's assessment of an asset's value for lending purposes reflects TLN's internal determination based on available market data and specialist input. TLN's valuation may differ from appraised values obtained independently by the borrower and is not intended as a definitive determination of fair market value.
• No credit reporting: While TLN does not pull credit reports at the inquiry stage and does not report to consumer credit bureaus in connection with standard lending arrangements, TLN reserves the right to report to applicable reporting agencies in connection with enforcement actions or legal proceedings, to the extent required or permitted by applicable law.
• Regulatory compliance: TLN's lending activities are subject to applicable state and federal laws and regulations. TLN complies with applicable anti-money laundering, beneficial ownership, and related regulatory requirements and may be required to collect and retain certain information about borrowers as required by law.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising under or relating to these Terms or your use of the Site that is not resolved through good-faith negotiation between the parties shall be submitted to binding arbitration in Palm Beach County, Florida, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or prevent imminent harm.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. If for any reason a claim proceeds in court rather than in arbitration, you and TLN both agree to waive any right to a jury trial.

Any cause of action you may have arising from these Terms or your use of the Site must be commenced within one (1) year after the cause of action accrues, otherwise such cause of action is permanently barred.

13. Severability and Waiver

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if no such modification is possible, it shall be deleted.

No waiver of any provision of these Terms by TLN shall be deemed a further or continuing waiver of such provision or any other provision. TLN's failure to assert any right or provision under these Terms shall not constitute a waiver of that right or provision.

14. Entire Agreement

These Terms, together with our Privacy Policy and any specific written loan agreements between TLN and a borrower, constitute the entire agreement between you and TLN with respect to your use of the Site and our services, and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and TLN.

15. Contact Information

If you have any questions about these Terms of Use or our services, please contact us:

© 2026 TLN LLC / The Liquidity Network. All rights reserved. These Terms of Use were last updated on July 1, 2026.