EQUITY SPECIALTY SERVICES, LLC
Welcome to our website (the “Site”). Your use of this Site and its services (“Services”) is subject to the following Terms of Use (“Terms”). Please read them carefully. By accessing this Site or using any Service, you agree to be bound by these Terms. If you do not agree, please leave this Site immediately. The Site is intended for individuals at least 13 years old. If you are under 13, please do not use this Site.

1. Intellectual Property
All original material posted on this Site is protected by intellectual property laws. You are granted a non-exclusive, non-transferable license to access content and print copies for personal use only. Any electronic reproduction, adaptation, distribution, performance, or commercial use is prohibited unless expressly permitted by us.
In these Terms, “we,” “our,” and “us” refer to Equity Specialty Services, LLC.

2. Modifications to Terms & Services
We reserve the right to modify, add, or delete any part of these Terms or Services at any time without prior notice, except as required by applicable law. Certain Services may have additional limitations not explicitly stated here.
We assume no responsibility if a Service becomes unavailable or fails to meet your expectations.

3. Compliance with Laws and Site Guidelines
By using the Site, you agree to comply with all applicable laws and regulations. You also agree not to:
• Violate any law or regulation.
• Engage in abusive, harassing, defamatory, or privacy-violating behavior.
• Infringe on the intellectual property rights of third parties.
• Transmit spam, chain letters, or unsolicited mass emails.
• Interfere with the operation of the Site or any linked websites.
• Send obscene, hateful, or offensive content via our Services.

4. Privacy and Security
Please refer to our Privacy Policy https://irapowerloans.com/privacy-policy/ for details on how we collect, use, and protect your personal information.
You agree to:
1. Notify us immediately if you become aware of unauthorized access to your account or a security breach.
2. Avoid accessing non-public areas of the Site or other users’ password-protected information.

5. Linked Sites & Third-Party Advertisements
This Site may contain links to third-party websites. We do not operate or control third-party sites and assume no responsibility for their content or actions. Your use of third-party sites is at your own risk.
We do not endorse or warrant any products, services, or advertisements by third parties. You agree to hold us harmless regarding their content and business practices.

6. Limitation of Liability & Disclaimers
THIS SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
• We are not responsible for any unavailability of the Site or Services.
• We assume no liability for damages caused by viruses introduced by third parties.
• No content on this Site constitutes a legal or investment warranty.
To the extent permitted by law, we will not be liable for any indirect, incidental, special, or consequential damages, including lost profits or data.
Some jurisdictions do not allow limitations on implied warranties, so certain disclaimers may not apply.

7. Indemnification
You agree to indemnify and hold us, our affiliates, officers, employees, and agents harmless from any claims, liabilities, or expenses (including legal fees) arising from:
• Your use of this Site.
• The actions or omissions of third parties advertising on the Site.
• Any reliance on information or Services provided through the Site.
• Your breach of these Terms.

8. Proprietary Information
All technology, designs, graphics, trademarks, and software on this Site are our proprietary property or that of our licensors. You will not gain any ownership rights by using the Site. Reverse engineering, modification, and data scraping are prohibited.

9. Termination of Access
We may terminate your access to the Site or Services at any time without cause. These Terms remain effective for obligations incurred before termination.

10. Amendments & Governing Law
• We may modify these Terms at any time. The most current version will be posted on the Site.
• Your continued use of the Site implies acceptance of any changes.
• These Terms are governed by the laws of South Dakota, USA without regard to conflict of law provisions.
If accessing this Site outside the U.S., you agree to comply with local laws applicable to your use.

11. Notices & Contact Information
For inquiries, please contact us at:
Email: help@trustetc.com
Mail: Equity Trust Company, 1 Equity Way, Westlake, Ohio 44145
If you need to send official correspondence, use the mailing address above.

12. Severability & Waiver
• If any provision of these Terms is deemed invalid, the remaining sections will remain in effect.
• No waiver of a provision shall be valid unless in writing.

13. Questions?
For any questions regarding these Terms, email us at help@trustetc.com. or write to us at Equity Trust Company, 1 Equity Way, Westlake, Ohio 44145.

Effective Date: [April 17, 2025]