Terms & Conditions

1. Interpretation

In these Terms and Conditions, the following definitions apply:

• "Company", "we", "us", "our" refers to Rinia Capital.
• "Website" refers to the website accessible at riniacapital.com and any subdomains or associated pages.
• "User", "you", "your" refers to any individual or business that accesses or uses this website.
• "Services" refers to the funding advisory, introduction, and brokerage services offered by Rinia Capital to eligible businesses.
• "Content" means all text, graphics, images, data, and other materials published on or accessible through this website.

2. About Us

Rinia Capital is a commercial funding consultancy that works with small and medium-sized businesses (SMEs) to identify, assess, and access suitable funding solutions. We act as an intermediary between businesses and funding providers; we are not a lender and do not provide funds directly.

Our registered correspondence address and contact details are available on request. For enquiries, please contact us at info@riniacapital.com.

3. Use of This Website

By accessing and using this website, you agree to use it only for lawful purposes and in a manner consistent with these terms. You must not:

• Use the website in any way that is unlawful, fraudulent, or harmful to any person or entity.
• Transmit any unsolicited or unauthorised advertising or promotional material.
• Attempt to gain unauthorised access to any part of the website, its servers, or any database connected to it.
• Knowingly transmit any data, send or upload any material that contains viruses, malware, or any other harmful code.
• Copy, reproduce, or distribute any content from the website without our prior written consent.
• Use the website in a way that could damage, disable, overburden, or impair it.

We reserve the right to restrict or terminate your access to the website at any time without notice if we reasonably believe you have breached these terms.

4. Our Services

Rinia Capital provides funding consultancy and introduction services to eligible businesses. Our services include:

• Reviewing your business's funding needs and profile.
• Identifying potentially suitable funding products and providers.
• Preparing and structuring funding applications on your behalf.
• Introducing you to relevant lenders or funding providers within our network.
• Supporting you through the application and assessment process.

The availability of any service is subject to eligibility assessment. Enquiring about our services does not constitute a guarantee that funding will be offered, arranged, or approved. All funding decisions remain at the sole discretion of the relevant lender or funding provider.

We may receive a fee or commission from lenders or funding providers when an introduction results in a completed funding arrangement. Where applicable, this will be disclosed to you clearly before you proceed.

5. No Financial Advice

Nothing on this website should be relied upon as a basis for making any financial, business, or investment decision. Before entering into any funding arrangement, you should take independent professional advice appropriate to your specific circumstances.

Rinia Capital does not hold itself out as a regulated financial adviser. Our role is to provide information, assessment, and introductions — not to advise you on whether a particular product is suitable for your personal financial situation.

6. Intellectual Property

All content on this website — including but not limited to text, copy, design, graphics, logos, icons, and the overall look and feel — is owned by or licensed to Rinia Capital and is protected by applicable intellectual property laws.

You may view and print content from this website for your own personal, non-commercial use only. You must not:

• Reproduce, republish, or distribute any content without our prior written consent.
• Use our name, logo, or branding in any way that suggests an association with or endorsement by Rinia Capital.
• Modify or create derivative works based on our content.

7. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Any warranty that the website will be uninterrupted, timely, secure, or free of errors.
• Any warranty that defects will be corrected, or that the website or servers are free of viruses or harmful components.
• Any warranty that information on the website is accurate, complete, current, or reliable.

We make reasonable efforts to keep the content up to date, but we do not guarantee the accuracy or completeness of any information published on this website.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Rinia Capital shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages.
• Loss of profits, revenue, data, business, or goodwill.
• Damages arising from your use of, or inability to use, this website or our services.
• Decisions made in reliance on information contained on this website.
• Unauthorised access to or alteration of your transmissions or data.

This limitation applies regardless of whether such damages were foreseeable or whether Rinia Capital had been advised of the possibility of such damages.

Nothing in these terms limits or excludes our liability for death or personal injury caused by our negligence, fraud, or fraudulent misrepresentation, or any other liability that cannot be limited or excluded by law.

9. Third-Party Links

This website may contain links to third-party websites or resources. These links are provided for your convenience only. We do not endorse, control, or accept responsibility for the content, policies, or practices of any third-party websites.

You access third-party websites entirely at your own risk. We strongly encourage you to review the terms and privacy policies of any website you visit.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. The Privacy Policy explains how we collect, use, and protect any information you provide to us through this website.

By using this website, you consent to the processing of your information as set out in the Privacy Policy.

11. SMS Messaging Programme

Programme description and use cases

By providing your mobile phone number and opting in through our website or application forms, you agree to receive text messages from Rinia Capital. We operate two distinct SMS programmes:

• Marketing messages: Promotional and informational content relating to funding solutions, business finance insights, service updates, and relevant offers from Rinia Capital. These messages are sent only to users who have explicitly opted in to receive marketing communications.
• Transactional messages: Non-marketing messages relating to your active funding enquiry or application, including application status updates, appointment reminders, document request notifications, and other service-related communications necessary to deliver our services to you.

Message frequency

Message frequency varies depending on your engagement with our services. For marketing messages, you may receive up to 4 messages per month. For transactional messages, frequency is driven by the status and activity of your funding enquiry or application and may be higher during active processing periods.

Message and data rates

How to opt out (STOP)

You may opt out of receiving SMS messages from Rinia Capital at any time by replying STOP to any message you receive from us. After sending STOP, you will receive a single confirmation message and no further messages will be sent, except where required by law.

• To stop all messages: reply STOP
• To stop marketing messages only: reply STOP MARKETING
• Opting out of marketing messages will not stop transactional messages related to your active application unless you reply STOP to all messages.

Once you opt out, your number will be removed from our active messaging list within a commercially reasonable time. You can opt back in at any time by contacting us or resubmitting an opt-in form on our website.

How to get help (HELP)

If you need assistance at any time, reply HELP to any message you receive from us. You will receive a response containing our support contact details. You may also contact us directly at any time using the contact details in Section 14 of these Terms.

Support contact information

Carrier liability disclaimer

Rinia Capital's SMS messaging service is provided on a best-efforts basis. Mobile carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission from your carrier and the availability of your device to receive messages. Rinia Capital is not responsible for any delays or failures in message delivery caused by your carrier, device, or network.

Age restriction

You must be 18 years of age or older to opt in to SMS communications from Rinia Capital. Our SMS programme, like all of our services, is intended for adults operating businesses. By opting in, you confirm that you are at least 18 years old.

Privacy and SMS data

Your phone number and SMS opt-in consent records are handled in accordance with our Privacy Policy. We retain a record of your opt-in consent and the date it was given. This record is kept for compliance purposes and is not used for any other purpose. Your opt-in data is never sold, rented, or shared with third parties for their own marketing or messaging purposes.

12. Changes to These Terms

We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will take effect from the date they are published on this page. The "Last updated" date at the top of this page will be revised accordingly.

Your continued use of this website following any changes constitutes your acceptance of the revised terms. We encourage you to review this page periodically to stay informed of any updates.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with applicable law. Any disputes arising out of or in connection with these terms or your use of this website shall be subject to the exclusive jurisdiction of the relevant courts.

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

14. Contact Us

If you have any questions, concerns, or requests regarding these Terms and Conditions, please get in touch: