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R11 Website Terms of Use

Effective Date: June 4, 2026 · Version 1.0

These Terms of Use ("Terms") govern your access to and use of the public websites operated by R11 Inc., a Delaware corporation ("R11," "we," "us"), including r11inc.com and the public-facing portions of app.r11inc.com (collectively, the "Site"). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

Access to R11's customer platform by invited users of R11 customers is governed by the separate R11 Platform Terms of Service and any executed agreements between R11 and the customer — not by these Terms.

1. The Site Is Informational; No Offer or Commitment

The Site describes R11's services and allows businesses to submit applications and inquiries. Nothing on the Site — including descriptions of advance rates, fees, timelines, or eligibility, and including the submission or acknowledgment of an application — constitutes an offer, approval, or commitment by R11 to purchase any receivable, advance any funds, or enter into any transaction. Any relationship between R11 and a customer is governed exclusively by definitive written agreements executed by both parties. R11 may accept or decline any application in its discretion.

Content on the Site is provided for general informational purposes and is not legal, tax, accounting, or financial advice.

2. Eligibility and Business Use

The Site is intended for use by businesses and their representatives. By submitting an application or inquiry, you represent that you are at least 18 years old, that you are acting on behalf of a business, and that you are authorized to provide the information you submit and to act for that business.

3. Accuracy of Submissions

You agree that information you submit through the Site, including through any application form, is true, accurate, and complete, and that you will not submit information about another person or business without authority to do so.

4. Intellectual Property

The Site and its contents — including text, graphics, logos, designs, software, and the "R11" name and marks — are owned by R11 or its licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for its intended purpose. No other rights are granted. You may not use R11's name or marks without our prior written consent.

5. Acceptable Use

You agree not to: (a) access the Site by automated means (including scraping, crawling, or harvesting) except by search engines complying with our robots directives; (b) probe, scan, or test the vulnerability of the Site or circumvent any security or authentication measure; (c) interfere with the operation of the Site or impose an unreasonable load on our infrastructure; (d) submit false, misleading, or fraudulent information; (e) use the Site to violate any law or third-party right; or (f) frame or mirror the Site without our consent.

6. Feedback and Submissions

If you send us ideas, suggestions, or feedback about our business or services (other than an application containing your business information, which is handled under our Privacy Policy), you grant R11 a perpetual, irrevocable, royalty-free license to use it without restriction or compensation.

7. Communications; Text Messaging Terms

By providing contact information through the Site, you agree that R11 may contact you about your inquiry or application by email or phone. Marketing emails will include an unsubscribe mechanism.

Text messaging program. If you separately opt in to receive text messages from R11:

8. Third-Party Links

The Site may link to third-party websites or services. We do not control and are not responsible for them, and a link is not an endorsement.

9. Disclaimers

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, R11 DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) R11 WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SITE; AND (B) R11'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless R11 and its officers, directors, employees, and agents from claims, losses, and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms or your misuse of the Site.

12. Governing Law; Venue; Waivers

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Cook County, Illinois, and the parties consent to their jurisdiction. EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL, AND ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION, IN CONNECTION WITH ANY SUCH DISPUTE, TO THE FULLEST EXTENT PERMITTED BY LAW.

13. Changes; General

We may modify these Terms at any time by posting an updated version with a new effective date; your continued use of the Site after the effective date constitutes acceptance. If any provision is held unenforceable, the remainder stays in effect. These Terms, together with the Privacy Policy, are the entire agreement between you and R11 regarding the Site. Our failure to enforce a provision is not a waiver.

14. Contact

R11 Inc., Attn: Legal, 233 S Wacker Dr, Suite 4400, Chicago, Illinois 60606 · support@r11inc.com

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