Terms & Conditions

Effective Date: March 5, 2026

Welcome to Allonge. These Terms & Conditions (“Terms”) govern your access to and use of the website allonge.io and the Allonge investment platform (collectively, the “Service”), operated by Allonge, Inc. (“Allonge,” “we,” “us,” or “our”). By accessing or using the Service, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years of age to use the Service. Investment opportunities offered through Allonge are available only to individuals who qualify as “accredited investors” as defined under Rule 501 of Regulation D of the Securities Act of 1933, as amended. By creating an investment account, you represent and warrant that you meet the applicable accredited investor criteria.

2. Account Registration

To access certain features of the Service, you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use of your account
  • Accept responsibility for all activities that occur under your account

3. Nature of the Service

Allonge provides a technology platform that enables qualified investors to participate in fractional ownership of scratch & dent mortgage notes. Allonge is a technology and services company—we are not a broker-dealer, investment advisor, or bank. Nothing on this website or platform constitutes investment advice, financial advice, trading advice, or any other sort of advice.

4. Investment Risks

All investments involve risk, including the potential loss of principal. By using the Service, you acknowledge and agree that:

  • Past performance is not indicative of future results
  • Mortgage note investments are illiquid and may not be easily sold or transferred
  • Returns are not guaranteed and may vary from any projections or estimates provided
  • Borrower defaults, property value fluctuations, regulatory changes, and economic conditions may adversely affect investment performance
  • You should not invest money you cannot afford to lose
  • You should consult with your own financial, tax, and legal advisors before making any investment decision

5. No Guarantee of Returns

Any projected returns, yields, or financial estimates presented on the Service are forward-looking statements based on assumptions that may not materialize. Actual results may differ materially. Allonge makes no guarantees regarding the performance of any investment offered through the platform.

6. Regulatory Compliance

Investment offerings made through Allonge may be conducted pursuant to exemptions from registration under federal and state securities laws. These offerings have not been registered under the Securities Act of 1933 or any state securities laws and may not be offered or sold except pursuant to an applicable exemption.

7. Intellectual Property

All content, features, and functionality of the Service—including text, graphics, logos, icons, images, software, and the overall design—are owned by Allonge or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

8. Prohibited Conduct

You agree not to:

  • Use the Service for any unlawful purpose
  • Misrepresent your identity or accredited investor status
  • Attempt to gain unauthorized access to the Service or related systems
  • Interfere with the proper functioning of the Service
  • Use automated means to access or collect data from the Service without our consent
  • Share your account credentials with third parties

9. Limitation of Liability

To the fullest extent permitted by applicable law, Allonge and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment returns, arising out of or in connection with your use of the Service, whether based on warranty, contract, tort, or any other legal theory.

Our total liability to you for any claim arising out of or relating to the Service shall not exceed the amount of fees you have paid to Allonge in the twelve (12) months preceding the claim.

10. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Allonge does not warrant that the Service will be uninterrupted, secure, or error-free.

11. Indemnification

You agree to indemnify, defend, and hold harmless Allonge and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any third-party rights.

12. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, it shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in the state where Allonge maintains its principal place of business.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

14. Modifications

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the effective date. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.

15. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Contact Us

If you have questions about these Terms, please contact us:

Allonge, Inc.
Email: support@allonge.io
Web: allonge.io/support