BT Advisory, Inc. Website Terms of Use

Last updated: May 19, 2026

These terms of use are entered into by and between you and BT Advisory, Inc. ("B/T Advisory," "we," "us," "our" or “the Company”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, "Terms of Use"), govern your access to and use of our website (www.btadvisory.co) (the “Website” or “Site”) made available in the United States by BT Advisory, Inc. These Terms of Use contain an arbitration clause and an agreement by you to waive your rights to participate in any class action lawsuit. (See “Governing Law and Agreement to Arbitrate,” below).

By using the Site, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found at https://btadvisory.co/legal-pages/privacy-policy, incorporated herein by reference.

B/T Advisory is an independent debt capital advisory firm. We help entrepreneurs, investors, families, and businesses identify and secure lending partners and financing structures tailored to their needs.

The Site describes the general nature of services offered by B/T Advisory. A formal advisory relationship is established only upon execution of a written engagement agreement between B/T Advisory and a client. Visiting or using this Site does not create any advisory, fiduciary, or contractual relationship between you and B/T Advisory.

You agree we may collect your data as described in our Privacy Policy from you even though we may not be able to offer you any available products or services. If you voluntarily provide us with any information about yourself, you agree that we reserve the right to use that data for market analysis, advertising, or other commercial purposes. 

If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Services. 

Important Disclaimers

Not a Registered Broker-Dealer or Investment Advisor

B/T Advisory Inc. is not a registered broker-dealer, investment adviser, or depository institution, and is not affiliated with any bank, lender, or lending institution. We are not registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any state securities regulator in any advisory capacity.

Informational Purposes Only

The content on this Site — including but not limited to descriptions of services, market commentary, financing scenarios, and process overviews — is provided for informational purposes only. Nothing on this Site constitutes:

  • An offer or solicitation to provide advisory services

  • An offer to buy or sell any security or financial instrument

  • Investment, legal, tax, or financial advice of any kind

  • A guarantee of any specific outcome or result

You should not rely on information contained on this Site as a substitute for professional financial, legal, or tax advice. We strongly encourage you to consult qualified professionals before making any financing or capital markets decisions.

No Guarantee of Results

Past transaction experience, deal volume, and credentials referenced on this Site are provided for background purposes only and are not indicative of future performance or outcomes. Every financing situation is unique, and no specific result is guaranteed.

Your Compliance with The Terms of Use

You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Use of Our Services

Our Website, as well as its underlying processes, related content, and generated data, may not be used for personal, family, household, informational, or non-commercial use. You may not copy, reproduce, sell, distribute, replicate, duplicate, relay, transmit, broadcast, or license our Website or its underlying processes, related content, or generate data without our express written consent. Your use of our Website is not transferable by you to any other person or entity. Your access and use of our Website may be interrupted by, without limitation, maintenance of our equipment or networks, malfunction of our equipment or networks, or inadvertently by a third party or parties. We reserve the sole right to suspend or discontinue the availability of our Website at any time in our sole discretion and without prior notice or consent.

Copyright Notices

The works of authorship contained on the Website including but not limited to all design, text, sound recordings, and images, are owned (except as otherwise expressly stated) by us.  Except as may be expressly stated on the Website, they may not be copied, transmitted, displayed, performed, distributed (whether for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used – in whole or in part – except to the extent expressly permitted by applicable law and then only with clear and conspicuous notice of the Company’s proprietary rights. However, you may download Content from the Website for your personal use, so long as you do not remove or alter any copyright or other notice as may be contained in the Website content when downloaded or printed.

Prohibited Activities

You are responsible for anything you transmit to or through our Site. You represent that your transmissions to us are and will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. In using this Website, you agree that it is solely your responsibility to avoid certain activities that we deem, at our discretion, to be prohibited. These prohibited activities include, without limitation:

  • Criminal activity or tortious activity, including (i) fraud or misrepresentation, (ii) harassment (such as verbal harassment), (iii) infringement or misappropriation of a third party’s copyright, trademark, patent, trade secret, or other intellectual property, (iv) slander, libel, defamation, or use of content that is obscene, pornographic, vulgar or offensive, (v) use of content that promotes discrimination, bigotry, racism, hatred, harassment, violence, or harm against any individual or group, and (vi) content that promotes illegal or harmful activities or substances;

  • Advertising to, or solicitation of, any user to buy or sell any products or services;

  • Attempting to impersonate, or impersonating, another user or entity;

  • Using a false email address, phone number, postal address, or contact information. You are also prohibited from using an email address, phone number, address or contact information of another entity or person without authorization;

  • Attempting to access or search the Website or engaging in any automated use of the Website, such as using scripts, spiders, crawlers, data mining tools, or the like to collect data, send comments or messages, post on forums, and/or request information;

  • Attempting to probe, scan, or test the vulnerability of any part of our system or network, or breach any security or authentication measures;

  • Interfering with, disrupting, or creating an undue burden on our Website or the underlying networks;

  • Accessing or tampering with non-public areas of the Website, our computer systems, or the technical delivery systems of our providers;

  • Avoiding, bypassing, removing, deactivating, impairing, descrambling otherwise circumventing any technological measure implemented by us or our providers or any other authorized third party to protect the Website;

  • Using mega tags or other hidden text or metadata utilizing a Company trademark, logo, URL, or product name without our express written consent;

  • Using information or scraping information from our Website for any purpose whatsoever;

  • Using the Website to send altered, deceptive, or false source-identifying information;

  • Attempting to decipher, decompile, disassemble, or reverse engineer any of the software used to provide the Website;

  • Interfere with, or attempt to interfere with, the access of any user, host or network, including without limitation, sending a virus, overloading, flooding, or spamming the Website;

  • Collecting or storing any personally identifiable information from the Site from other users of the Website without their express permission;

  • Using our Website in a manner inconsistent with any and all applicable laws and regulations; and

  • Encouraging or enabling any other individual to do any of the foregoing.

Links to Other Sites

We may establish on the Website links and pointers to websites that are operated and maintained by third parties (each, a “Third Party Site”). These links are provided solely as pointers to information on topics that may be useful to you. However, the establishment of any link to a Third Party Site is not a recommendation or endorsement by us of any products, services, information, goods, ideas, or opinions that may be found on any Third Party Site.  

We make no warranties, either express or implied, concerning the content of any Third Party Site, including regarding the accuracy, completeness, reliability, or suitability thereof for any particular purpose.  We do not warrant that any Third Party Site is free from any claims of copyright, trademark, or other infringement.  We do not warrant that any Third Party Site is free from any viruses or other contamination.  

You understand that Third Party Sites may have a privacy policy that is different from that of the Company and that Third Party Sites may provide less security than our Website.  The choice to access a Third Party Site, or to purchase or otherwise use any of the products or services advertised or provided on a Third Party Site, is yours, in your sole discretion.

Disclaimer of Warranties

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR, AS WELL AS OTHER FACTORS, THE COMPANY IS NOT RESPONSIBLE FOR ANY ERRORS IN OR OMISSIONS FROM THE CONTENT MADE AVAILABLE ON THE SITE. YOU ACKNOWLEDGE THAT NEITHER WE NOR ANY OF OUR EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, OR LICENSORS WARRANT THAT THE PRODUCTS, SERVICES, OR CONTENT ON THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE. ALL CONTENT IS PROVIDED “AS IS” TO THE USER OF THE WEBSITE, WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, INCLUDING THE WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, FITNESS FOR ANY PARTICULAR PURPOSE, OR FREEDOM FROM COMPUTER VIRUS.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY OR ANY OF ITS EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS, OR LICENSORS BE LIABLE FOR ANY DAMAGES, LOSSES, OR LIABILITIES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR OTHER DAMAGES, LOSSES, OR EXPENSES ARISING OUT OF OR IN ANY WAY CONNECTED TO THE USE OF THE WEBSITE, YOUR RELIANCE ON THE CONTENT, OR ANY FAILURE OF AVAILABILITY OR PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OF SYSTEM FAILURE.

IN NO EVENT SHALL B/T ADVISORY'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE EXCEED ONE HUNDRED DOLLARS ($100).

Governing Law and Agreement to Arbitrate 

These Terms shall be construed in accordance with the laws of the State of California without regard to its conflict of laws rules. Any dispute arising out of or in connection with these Terms of Use, including but not limited to any question regarding its existence, interpretation, validity, performance, or termination, or any dispute between you and the Company (the “Parties”) arising from the relationship created by these Terms of Use, shall be referred to and finally resolved by arbitration administered by the American Arbitration Association under its rules. The term “dispute” has the broadest possible meaning and governs all “disputes” involving the Parties and the Website, including but not limited to any claims arising under the California Invasion of Privacy Act (Cal. Penal Code § 630 et seq.), state wiretapping laws, or any other federal or state privacy statutes or causes of action. The number of arbitrators shall be one (1). The Parties shall endeavor to agree upon the sole arbitrator and jointly nominate the arbitrator. If the Parties cannot agree upon the sole arbitrator within a time prescribed by AAA, the Parties shall request the AAA to propose five (5) arbitrators and each Party shall rank the proposed arbitrators. The AAA shall appoint an arbitrator from the list of five (5), based upon the Parties' rankings. The seat, or legal place of arbitration shall be the State of California, United States. You hereby waive your rights to be in a class action, both as a representative and a member.

The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this agreement is void or voidable. To the extent any claim for public injunctive relief is found non-arbitrable under applicable law, such claim shall be stayed pending completion of arbitration of all arbitrable claims. 

Before initiating arbitration, you must first send written notice to us at the address below, and the parties shall attempt in good faith to resolve the dispute informally within 60 days:

610 Chapman Drive, Corte Madera, CA 94925

Each party shall bear its own costs and attorneys’ fees in arbitration, except as otherwise required by law.

Notwithstanding the foregoing, the Company has the right to pursue equitable relief in the state and federal courts located in the State of California, you agree to the exclusive jurisdiction and venue of such courts.

Severability and Waiver

In the event that any of the terms or provisions of this Terms of Use is held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be modified or replaced with an enforceable term or provision that comes as close as possible to the intention of the term or provision deemed unenforceable.

The Company does not waive any of its rights under these Terms of Use unless the waiver is written and signed by a duly authorized representative of the Company.  Any waiver of any breach of any provision of these Terms of Use shall not be construed as a waiver of any continuing or succeeding breach of such provision or a modification of the provision.

Contact Us

For further information, you may contact us by email at: hello@btadvisory.co, by telephone at: (415) 464-7056.

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