Terms & Conditions

Effective Date: January 1, 2026

Welcome to North Trust Financial Services (“NTFS,” “we,” “our,” or “us”).

These Terms & Conditions govern your use of our website, Secure Client Portal, memberships, educational resources, optimization services, and related products.

By accessing our website, creating an account, purchasing a membership, or using any NTFS service, you acknowledge that you have read, understood, and agree to these Terms & Conditions.

If you do not agree with these Terms, you should discontinue use of our services.

Our Services

NTFS provides business optimization resources intended to help members strengthen organizational structure, business credibility, operational readiness, and overall funding preparedness.

Our services may include:

Secure Client Portal access
Executive Briefings
Quarterly Positioning Reports
Business optimization guides
Educational resources
Templates
Checklists
Business positioning recommendations
Account reviews
Future reporting services (where available)

Services may evolve over time as our platform expands.

Membership Access

Certain resources are available only to active members.

Membership benefits vary by membership tier.

Members are responsible for maintaining accurate account information and protecting their login credentials.

NTFS reserves the right to suspend or terminate access for violations of these Terms.

Membership Billing

Membership fees are billed according to the plan selected during enrollment.

Unless otherwise stated:

Memberships renew automatically.
Members may cancel future renewals at any time.
Cancellation prevents future recurring charges but does not automatically refund previous payments.

Refund Policy

Because NTFS provides immediate access to proprietary educational materials, digital resources, and business optimization content, membership fees are generally non-refundable unless otherwise required by applicable law.

If a billing error occurs, please contact us promptly so we may investigate.

Member Responsibilities

Members agree to:

Provide accurate information
Upload truthful documentation
Complete requested tasks honestly
Maintain respectful communication
Use the platform only for lawful purposes

Members are responsible for the accuracy of any information submitted for review.

Intellectual Property

All platform materials including:

videos
reports
templates
PDFs
checklists
graphics
branding
written content

remain the exclusive property of NTFS unless otherwise stated.

Members receive a limited license to use these materials for their own internal business purposes.

Redistribution, resale, reproduction, or commercial use without written permission is prohibited.

No Guarantee of Funding or Credit Approval

Participation in NTFS does not guarantee:

business funding
loan approval
credit approval
financing
lender acceptance
business credit profile improvements

Funding decisions remain solely with individual lenders and financial institutions.

Educational Purpose

The information provided through NTFS is intended for educational and business optimization purposes.

Members remain responsible for decisions made regarding their businesses.

When appropriate, members should consult qualified legal, accounting, tax, or financial professionals.

Future Services

As NTFS expands, additional services, software features, reporting capabilities, partnerships, or optional products may become available.

Some future services may require separate agreements or additional disclosures.

Limitation of Liability

To the fullest extent permitted by law, NTFS shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from the use of our website, platform, services, or educational materials.

Our total liability shall not exceed the amount paid by the member during the preceding twelve (12) months.

Account Suspension

NTFS may suspend or terminate accounts that:

violate these Terms
misuse platform resources
engage in fraudulent activity
abuse support personnel
compromise platform security

Changes to These Terms

NTFS may update these Terms periodically.

Updated versions become effective upon publication.

Continued use of the platform constitutes acceptance of any revisions.

Governing Law

These Terms shall be governed by the laws applicable to the jurisdiction in which NTFS operates, without regard to conflict of law principles.

Contact

Questions regarding these Terms may be submitted through the Contact Us page available on our website.

Our Mission

NTFS is committed to helping entrepreneurs strengthen business credibility, improve institutional readiness, and make informed decisions through structured education, strategic guidance, and technology-driven solutions.