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Terms of Use

Last Updated: December 15, 2025

These Terms of Use (“Terms”) govern your access to and use of the website operated by Borges Capital, LLC (“Borges Capital,” “we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms. If you do not agree, you should not use this website.

1. Use of Website

This website is provided for informational purposes only. You may use this website solely for lawful purposes and in accordance with these Terms. You agree not to use the website in any way that could damage, disable, overburden, or impair its functionality or interfere with any other party’s use of the website.

2. No Offer or Solicitation

Nothing on this website constitutes, or should be construed as, an offer to sell or a solicitation of an offer to buy any securities.

Any securities offerings, if made, are offered only pursuant to formal offering documents and only to accredited investors, as defined under Rule 501(a) of Regulation D, in reliance on exemptions from registration under federal and state securities laws, including Rule 506(c) of Regulation D.

3. Accredited Investors Only

Investment opportunities referenced on this website, if any, are available exclusively to accredited investors. Verification of accredited investor status will be required prior to acceptance of any investment.

Accessing this website does not constitute verification of accredited investor status, nor does it grant eligibility to invest.

4. No Investment, Legal, or Tax Advice

The information contained on this website is provided for general informational purposes only and does not constitute investment advice, legal advice, tax advice, or accounting advice.

You should consult your own independent legal, tax, and financial advisors before making any investment decisions

5. No Client, Fiduciary, or Advisory Relationship

Your use of this website does not create, and shall not be deemed to create, any client, advisory, fiduciary, or professional relationship between you and Borges Capital, LLC.

Borges Capital does not act as your investment adviser, financial planner, legal counsel, tax advisor, or fiduciary by virtue of your access to or use of this website. Any relationship between Borges Capital and an investor, borrower, or counterparty arises only pursuant to the execution of definitive written agreements

6. Accuracy of Information

While Borges Capital strives to ensure that information on this website is accurate and up to date, we make no representations or warranties as to the accuracy, completeness, reliability, or timeliness of any information provided.

Information may be changed or updated at any time without notice.

7. Investment Risks

Any investment opportunities referenced on this website involve substantial risks and are suitable only for investors who can bear the risk of loss of their entire investment.

Risks associated with real estate lending and private credit investments may include, but are not limited to:

  • Borrower default or insolvency

  • Illiquidity and lack of a secondary market

  • Declines in real estate values

  • Interest rate fluctuations

  • Construction, development, and entitlement risks

  • Regulatory or legal changes

  • Force majeure events, including economic disruptions

No assurance can be given that investment objectives will be achieved or that investors will not incur losses.

8. Performance and Reliance Disclaimer

Any projected returns, performance metrics, or illustrative examples referenced on this website are hypothetical in nature, are not guarantees of future performance, and should not be relied upon as a basis for any investment decision.

Past performance is not indicative of future results. Actual results may differ materially from any forward-looking statements due to known and unknown risks and uncertainties.

You acknowledge that you are not relying on any information on this website as a representation, warranty, or guarantee regarding any investment outcome.

9. Forward-Looking Statements

This website may contain forward-looking statements, including statements regarding anticipated performance, returns, or market conditions. Such statements are based on assumptions and expectations that may not prove to be accurate. Actual results may differ materially.

Past performance is not indicative of future results.

10. Intellectual Property

All content on this website, including text, graphics, logos, images, and design elements, is the property of Borges Capital, LLC or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, or publicly display any content without prior written consent.

11. Limitation of Liability

To the fullest extent permitted by applicable law, Borges Capital, LLC shall not be liable for any losses or damages of any kind, including but not limited to direct, indirect, incidental, consequential, special, or punitive damages, arising out of or related to:

  • Your access to or use of this website

  • Any reliance on information contained herein

  • Any errors, omissions, or inaccuracies

  • Any investment decision or transaction

This limitation applies regardless of the legal theory asserted and even if Borges Capital has been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless Borges Capital, LLC, its members, managers, officers, employees, and affiliates from any claims, damages, losses, liabilities, costs, or expenses arising out of your use of the website or violation of these Terms.

13. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated herein by reference.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of laws principles.

15. Changes to Terms

Borges Capital reserves the right to modify these Terms at any time. Any changes will be effective upon posting to this website. Continued use of the website constitutes acceptance of the revised Terms.

16. Contact Information

If you have any questions regarding these Terms, you may contact us at:

Borges Capital, LLC
18878 N 61st Ave Glendale, AZ 85308
stephen@stephenborges.com