Terms of Service.

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the website operated by NFRG HOLDINGS LLC ("Company," "we," "us," "our") at nfrgho.shop and your correspondence with our offices. By accessing the website or contacting us, you agree to these Terms. If you do not agree, do not use the website.

2. The Company

NFRG HOLDINGS LLC is a Utah limited liability company with offices at 3125 E Kennedy Drive, Apartment 709, Salt Lake City, Utah 84108, United States. The Company maintains holding-company structures — including bank, financial, insurance, nonbank, personal, public utility, railroad, savings & loan, and thrift holding companies — and operates corporate, head, district, regional, and subsidiary management offices. Website developed by NFRG Hold.

3. Website Use

The website is provided for informational purposes. You agree not to:

• Use the website for any unlawful purpose;
• Attempt unauthorized access to our systems or data;
• Submit false, misleading, or fraudulent information;
• Interfere with the operation or security of the website; or
• Reproduce or redistribute site content except for personal, non-commercial reference.

4. No Offer or Solicitation

Nothing on this website constitutes an offer to sell, or a solicitation of an offer to buy, any security, membership interest, partnership interest, or other ownership interest in the Company or any entity. No content on this site is investment advice, a prospectus, or an offer document of any kind.

5. No Professional Advice

Content on this website does not constitute legal, tax, accounting, investment, or regulatory advice. Structures described in general terms are subject to jurisdiction-specific requirements; anyone considering holding-company arrangements should consult qualified advisors. No professional relationship is created by use of this website.

6. Holding Structure & Offices

• Holding vs. operating. The Company's holding functions are distinct from the operations of underlying entities; this website describes the holding structure, not the operations of any subsidiary.
• Offices. References to corporate, head, regional, and subsidiary offices describe administrative functions, not public-facing service offerings.
• Authority. Only duly authorized officers may bind the Company; nothing on this site grants authority to any person.
• Records. The Company's register and books are maintained at its offices and are not published on this website.

7. Correspondence

• Correspondence received by the office is recorded and answered at the Company's discretion and in accordance with its procedures;
• Sending an inquiry does not create a business relationship, engagement, or obligation on the part of the Company;
• Unsolicited proposals or materials are received without obligation of confidence or review; and
• The Company may decline to respond to correspondence that is incomplete, unclear, or outside its scope of business.

8. Confidentiality

Information provided in the course of formal correspondence may be treated as confidential where circumstances warrant. Our handling of personal information is described in our Privacy Policy. Do not send material non-public information, deal terms, or sensitive documents until a confidentiality arrangement is in place.

9. Intellectual Property

The website and its content — text, graphics, seals, and layout — are the property of NFRG HOLDINGS LLC and are protected by copyright and other intellectual property laws. No reproduction, modification, or distribution is permitted without written consent, except for personal, non-commercial use.

10. Disclaimers

THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT INFORMATION ON IT IS COMPLETE OR CURRENT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NFRG HOLDINGS LLC AND ITS MEMBERS, MANAGERS, OFFICERS, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THE WEBSITE OR RELIANCE ON ITS CONTENT, INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION.

12. General Provisions

• Governing law. These Terms are governed by the laws of the State of Utah, without regard to conflict-of-laws principles. Venue: state or federal courts located in Salt Lake County, Utah.
• Severability. If any provision is found unenforceable, the remainder of the Terms continues in effect.
• Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement regarding use of the website.
• Modifications. We may update these Terms from time to time; the "Last revised" date indicates the current version.
• Contact. chen.lin@nfrgho.shop · +1 (530) 298-2753.