Last Updated / Effective Date: 12/1/2025

Enviridi Inc., doing business as loanTERRA, along with our affiliates and other third parties acting on our behalf (“Company”) welcomes you to the Company website, loanterra.com and other related websites (“Site”).

‍Acceptance of Terms of Use
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By using our Site, you are agreeing to comply with and be bound by the following Terms of Use. Please review the following terms carefully. If you do not agree to these terms, you should not continue using the Site, review any information on the Site, or obtain any products or services from this Site. These Terms of Use constitute the entire and only agreement between us and you with respect to the Site, and it supersede all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site. The products or services provided by or through the Site may be subject to additional agreements.

By using the Site, you consent to the privacy practices set forth in our Privacy Policy, which is incorporated by reference into these Terms of Use.

We may amend these Terms of Use at any time without notice unless required by applicable law. You should revisit these Terms of Use prior to each use of the Site to review any updates made as of the Last Updated / Effective Date listed above.

‍Site Content; Intellectual Property; Limited License to Users
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This Site may provide general information, including about our products and services (“Content”). Your eligibility for particular products and services is subject to our final determination, restrictions, and acceptance.

We reserve the right in our sole discretion to edit or delete any documents, information, or other Content appearing on the Site. We may discontinue or make changes to the Content described on the Site at any time. Any dated information is published as of its publication date only. We do not undertake any obligation or responsibility to update or amend any such Content. We reserve the right to terminate any or all offerings described in the Content without prior notice.

Any unauthorized use of the Content of this Site may violate such laws and these Terms of Use. Except as expressly provided herein or as otherwise agreed in writing by us, Company does not grant any express or implied rights to use the Content. You agree not to copy, republish, frame, download, transmit, modify, rent, lease, loan, sell, assign, distribute, license, sublicense, reverse engineer, or create derivative works based on the Content, except as expressly authorized herein. In addition, you agree not to use any data mining, robots, or similar data gathering and extraction methods in connection with the Content.
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Copyright
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The Content, organization, graphics, design, audio, animation, video, compilation, magnetic translation, digital conversion, and other matters related to the Site are protected under applicable copyrights, trademarks, and other proprietary (including but not limited to intellectual property) rights. You do not acquire ownership rights to any Content viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such Content.

Trademarks
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The trademarks, logos, and service marks (“Marks”) displayed on this Site are the property of Company or other third parties. You are not permitted to use the Marks without the prior written consent of Company or such third party that may own the Marks. All other trademarks and registered trademarks are the property of their respective owners.

Site Use
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To access the Site, you will need a working connection to the Internet via a web browser on your computer for which you are responsible for all costs, expenses, and fees.

From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons, the Site may not be available for your use. We minimize the periods of time during which the Site is unavailable. You agree that we shall not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of the unavailability of the Site, regardless of whether it could be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. We shall also not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the website caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider (“ISP”), or capacity or other limitations or constraints of the Internet.

Use of any software available for download from the Site is governed by the terms of the license agreement that accompanies or is included with such software. Such terms are available for review and are incorporated herein by this reference. You will not be able to download or install any software that is accompanied by or includes a license agreement unless you agree to the terms of such license agreement. If you do not agree to such terms, you will not be able to use the software. Absent a license agreement that accompanies the software, use of the software will be governed by these Terms of Use. You agree that you will not decompile, reverse engineer, or otherwise attempt to discover the source code of the software available on the Site.
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Limited Right to Use
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The viewing, printing, or downloading of any Content, graphic, form, or document from the Site grants you only a limited, nonexclusive license for use solely by you for your own use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. No part of any Content, form, or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your use (but not for resale or redistribution). Company reserves the right to revoke the authorization to view, download, and print the Company Content and any posted user content available on this Site at any time, and any such use shall be discontinued immediately upon notice from Company. The rights granted to you constitute a license and not a transfer of title.

Your right to use the Site is not transferable. Any password or right given to you to obtain information or documents is not transferable.

International Use
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The Site is not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to the Site during times when you are in a country other than the United States. You are responsible for compliance with all local laws. Furthermore, by offering information, products, or services via the Site, no solicitation is made by us to any person to use such information, products, or services in jurisdictions where the provision of information, products, or services is prohibited by law.

None of the products or underlying information or technology available at this Site may be downloaded or otherwise exported: (i) to a national or resident of any country to which the United States has embargoed goods; or (ii) to anyone on the United States Treasury Department’s list of Specially Designated Nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading from, or using the Site, you represent and warrant that you are not located in, under the control of, or a national or resident of any such country or on any such list. You further agree to indemnify Company against any and all costs, liabilities, losses, or expenses arising from, or relating to, any asserted violation by you of any of the laws and administrative regulations of the United States relating to the control of exports of commodities and technical data.

Security
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While we use reasonable efforts to safeguard the security of the Site, there can be no guaranty that such safeguards will successfully prevent unauthorized activity relating to the Content or functionality of the Site. We assume no liability or responsibility for any unauthorized activity relating to the Content or functionality of the Site.

Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to us via the Site may be read or intercepted by others. We make no warranty whatsoever to you, express or implied, regarding the security of the Site, including with respect to the ability of third parties to intercept or access information transmitted by you through the Site.

You acknowledge and agree that you are solely responsible for maintaining the security of your devices. We are not responsible for any losses resulting from the loss or theft of your device, the loss or theft of your information transmitted from or stored on your devices, or any losses arising from the use of your device, including by someone whom you have given access to your device.

To protect the security of your information, we may require you to authenticate your identity (i.e., prove that you are who you say you are) to conduct certain transactions on this Site. If you believe that any transaction conducted via the Site has been performed without your permission, you must tell us immediately. Email us at support@loanterra.com to report any unauthorized activity. If you fail to notify us, you may be liable for all unauthorized activity on your account.

You are prohibited from: (i) decompiling, reverse engineering, or disassembling any portion of the Site except as may be permitted by applicable law; (ii) causing or launching any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of the Site or unduly burdening or hindering the operation and/or functionality of any aspect of the Site; or (iii) attempting to gain unauthorized access to or impairing any aspect of the Site or related systems or networks.

Indemnification
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You agree to indemnify, defend, and hold Company and our partners, attorneys, staff, and third parties acting on our behalf (“Indemnified Parties”) harmless from any liability, loss, claim, and expense, including reasonable attorney’s fees, related to your violation of these Terms of Use or use of the Site.

‍Disclaimers and Limits of Liability
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TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, THE CONTENT AND INFORMATION FROM OR THROUGH THE SITE ARE PROVIDED “AS-IS,” “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE CONTENT, INFORMATION, AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS, OR OTHER LIMITATIONS. WE AND OUR INDEMNIFIED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR SERVICE. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WE AND OUR INDEMNIFIED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THIS SITE AND THE CONTENT WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SITE SHALL CREATE ANY WARRANTY, REPRESENTATION, OR GUARANTEE NOT EXPRESSLY STATED IN THESE TERMS OF USE.

OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES WILL BE EQUAL TO THE PURCHASE PRICE YOU PAY FOR ANY PRODUCTS, SERVICES, OR INFORMATION.

‍Third-Party Sites
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We may provide links to access third-party websites, including social media websites (“Third-Party Sites”). You understand that we do not operate or control these Third-Party Sites. We are not responsible for the content, accuracy, or opinions expressed on such Third-Party Sites, and such Third-Party Sites are not investigated, monitored, or checked for accuracy or completeness by us. The operators of these Third-Party Sites are responsible for all aspects of the Third-Party Sites. If you decide to leave our Site and access these Third-Party Sites, you do so at your own risk. UNDER NO CIRCUMSTANCES ARE WE LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THESE THIRD-PARTY SITES.

You authorize your wireless carrier to use or share information about your account and your wireless device, if available, to loanTERRA or its service provider during your business relationship, to help identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

Termination of these Terms of Use
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We may, without notice to you unless required by applicable law, immediately terminate these Terms of Use if you breach these Terms of Use or engage in conduct that we, in our sole discretion, believe is in violation of applicable law, our rights, or the rights of other users of the Site. Upon termination of these Terms of Use, your right to use the Site will immediately terminate.

Governing Law
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Your consent to these Terms of Use and use of this Site shall be treated as though it were executed and performed in Olympia, Washington and shall be governed by and construed in accordance with the laws of the State of Washington (without regard to conflict of law principles). Any cause of action by you with respect to the Site (and/or any information, products, or services related thereto) must be instituted within one (1) year after the cause of action arose or be forever waived and barred. You agree all legal proceedings arising out of or in connection with these Terms of Use or Site shall be brought solely in Olympia, Washington. You expressly submit to the exclusive jurisdiction of said courts and consent to extra-territorial service of process.

Severability
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Should any part of these Terms of Use be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Site is in conflict or inconsistent with these Terms of Use, these Terms of Use shall take precedence. Our failure to enforce any provision of these Terms of Use shall not be deemed a waiver of such provision nor of the right to enforce such provision.

Contact Us
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If you have any questions or concerns about these Terms of Use, please contact us at:

Enviridi Inc.
2107 Elliot Avenue, Seattle, WA, 98121
Email: privacy@loanterra.com