1. Acceptance of Terms. By accessing or using the services provided by Credit Capital Zenith ("we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you must not use our services. These terms constitute a legally binding agreement between you and Credit Capital Zenith.
2. Services Description. Credit Capital Zenith provides financial advisory, lending, insurance brokerage, investment management, and related services to clients across the United States. Specific services are detailed in separate engagement letters, advisory agreements, or service contracts. In case of conflict, those specific agreements shall prevail over these general terms.
3. Fiduciary Duty. We act as a fiduciary in our advisory relationships, meaning we are legally obligated to act in your best interest. However, certain services (such as insurance brokerage) may be conducted in a non-fiduciary capacity where disclosed. We will clearly communicate the capacity in which we are acting for each engagement.
4. Fees and Compensation. Our fees are disclosed in writing before engagement. Investment advisory fees are based on assets under management. Lending and insurance services may be compensated by third-party providers, but such compensation is disclosed to you. We do not receive hidden kickbacks or undisclosed compensation. All fees are invoiced quarterly in advance unless otherwise agreed.
5. Client Responsibilities. You agree to provide accurate and complete information when requested, notify us promptly of material changes to your financial situation, review statements and reports in a timely manner, and maintain sufficient funds for agreed-upon services. Failure to provide requested documentation may result in service delays or termination.
6. Investment Risk Disclosure. All investments involve risk, including possible loss of principal. Past performance does not guarantee future results. We do not guarantee specific investment outcomes. Investment recommendations are based on information provided by you and our professional analysis, but market conditions can change unpredictably. You are responsible for making final decisions regarding all investments.
7. Loan and Credit Disclosures. Loan approvals are subject to credit qualification, income verification, and underwriting criteria. Advertised rates represent the lowest available APR and assume excellent credit history; your actual rate may be higher. All loans are subject to applicable state and federal regulations. Pre-qualification is not a commitment to lend.
8. Intellectual Property. All content on this website, including text, graphics, logos, and software, is the property of Credit Capital Zenith or its licensors and is protected by U.S. and international copyright laws. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Limitation of Liability. To the maximum extent permitted by law, Credit Capital Zenith shall not be liable for indirect, incidental, special, or consequential damages, including loss of profits, data, or goodwill. Our aggregate liability for any claim shall not exceed the fees paid by you to us in the twelve months preceding the claim.
10. Termination. Either party may terminate the service relationship with 30 days written notice. Upon termination, we will assist in transferring your accounts to another provider of your choosing. Outstanding fees for services rendered will be due and payable.
11. Governing Law. These Terms are governed by the laws of the State of Hawaii, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration in Honolulu, Hawaii, except where prohibited by state law. You waive any right to participate in class actions.
12. Contact Information. For questions about these Terms & Conditions, contact us at info@creditcapitalzenith.com, call (808) 261-1189, or write to 903 Akumu St, Kailua, Hawaii 96734, USA.
