TERMS OF SERVICE

Last Updated: March 17, 2026

1. ACCEPTANCE OF TERMS

Welcome to The Thrush and Son LLC ("Company," "we," "us," or "our"). By accessing or using our website thethrushandson.com (the "Site") or engaging with our financial services, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you may not access or use our Site or services.

2. SERVICES OVERVIEW

The Thrush and Son LLC is a direct lending firm providing financial services including wealth management, strategic advisory, and direct lending solutions. Our services are provided subject to these Terms, our Privacy Policy, and any additional agreements you enter into with us.

All services are subject to approval and underwriting criteria determined solely by The Thrush and Son LLC.

3. ELIGIBILITY

By using our Site or services, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into binding contracts
  • All information you provide is accurate, current, and complete
  • You will maintain the accuracy of such information

4. USER ACCOUNTS

If you create an account on our Site, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

  • Notify us immediately of any unauthorized use of your account
  • Ensure that you log out from your account at the end of each session
  • Accept responsibility for all activities conducted through your account

5. SMS COMMUNICATIONS & CONSENT

By providing your mobile phone number and opting in to receive SMS/MMS messages from The Thrush and Son LLC, you expressly consent to receive recurring marketing and promotional text messages sent via an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

Message Frequency: Message frequency varies. You may receive up to 4 messages per month, though actual frequency may be less.

Consent Not Required for Purchase: You are not required to consent to receive SMS messages as a condition of purchasing any goods or services from The Thrush and Son LLC.

Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message. You will receive a confirmation message confirming your opt-out. To re-subscribe, reply START or re-opt in via our contact form.

Help: For help or more information, reply HELP or contact us at thrush@thethrushandson.com.

Carrier Charges: Message and data rates may apply. Contact your mobile carrier for details on your messaging plan.

6. PROHIBITED USES

You agree not to use the Site or our services to:

  • Violate any local, state, national, or international law
  • Transmit any harmful, fraudulent, or deceptive content
  • Engage in unauthorized access to our systems or networks
  • Interfere with or disrupt the integrity or performance of the Site
  • Collect or harvest personal information of other users without consent
  • Impersonate any person or entity or misrepresent your affiliation

7. INTELLECTUAL PROPERTY

All content, materials, trademarks, logos, and intellectual property on the Site are owned by or licensed to The Thrush and Son LLC. You may not use, reproduce, distribute, or create derivative works from any content without our express written permission.

Unauthorized use of our intellectual property may violate copyright, trademark, and other laws.

8. THIRD-PARTY LINKS

Our Site may contain links to third-party websites or services that are not owned or controlled by The Thrush and Son LLC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. You acknowledge and agree that we shall not be liable for any damage or loss caused by your use of any third-party content or services.

9. DISCLAIMERS & LIMITATION OF LIABILITY

No Warranty: The Site and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability: To the fullest extent permitted by law, The Thrush and Son LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless The Thrush and Son LLC, its officers, directors, employees, and agents from and against 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 Site or services, your violation of these Terms, or your violation of any third-party rights.

11. GOVERNING LAW & DISPUTE RESOLUTION

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

Any disputes arising out of or related to these Terms or the use of our Site or services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

12. TERMINATION

We reserve the right to suspend or terminate your access to the Site or services at any time, with or without cause or notice, including if we believe you have violated these Terms. Upon termination, your right to use the Site and services will immediately cease.

13. MODIFICATIONS TO TERMS

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Site after such changes constitutes acceptance of the revised Terms.

14. SEVERABILITY

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be deemed modified to the extent necessary to make it valid and enforceable.

15. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any other legal notices published by us on the Site, constitute the entire agreement between you and The Thrush and Son LLC concerning your use of the Site and services.

16. CONTACT INFORMATION

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

The Thrush and Son LLC
Email: thrush@thethrushandson.com