TERMS OF USE — Dreamlit Capital LLC Effective Date: November 23, 2025 Welcome to Dreamlit Capital LLC (“Dreamlit Capital,” “we,” “our,” or “us”). By accessing or using www.dreamlitcapital.com (the “Site”), you agree to these Terms of Use. If you do not agree, do not use the Site. 1. Who We Are Dreamlit Capital LLC 3801 Avalon Park East Blvd. Suite 553 PMB 70102 Orlando, FL 32828 Email: matthew@dreamlitcapital.com Dreamlit Capital provides AI-powered business automation services including AI receptionists, AI chatbots, and AI review management. We also connect clients to our external partners for business/personal funding and credit repair services. We are not a lender or credit repair organization ourselves. 2. Use of the Site You agree to: Use the Site only for lawful purposes. Provide accurate information when submitting forms. Not copy, scrape, or misuse any content, branding, AI scripts, or proprietary materials on this Site. Not misuse Dreamlit’s AI systems, bots, automations, or tools. Violations may result in termination of access. 3. Services Provided Dreamlit Capital provides: AI Receptionists AI Chatbots AI Review Management Automation Affiliate marketing support through partnerships Funding and credit repair services are fulfilled exclusively by our trusted partners, not by Dreamlit Capital directly. We do not guarantee funding results, approval amounts, timelines, or credit outcomes. 4. Subscriptions, Payments & Refunds Payments for Dreamlit Capital services may be one-time or recurring. You authorize Dreamlit Capital to charge your selected payment method. Refunds: Dreamlit Capital offers a 30-day satisfaction-based refund for Dreamlit-provided AI services. Refunds for partner-provided services follow our partners’ refund policies. 5. Intellectual Property All branding, videos, AI scripts, automations, designs, visuals, text, logos, and content on this Site are the property of Dreamlit Capital LLC. You may not: Reproduce, Copy, Distribute, Resell, Reverse engineer, Re-use our materials… without written permission. 6. No Professional Advice Content on this Site is for general information only. Nothing here is: Legal advice, Financial advice, Lending advice, Credit repair advice. You should consult a licensed professional for those matters. 7. Disclaimer of Warranties Use of the Site and services is at your own risk. We provide the Site “as is”, with no warranties of any kind. We do not guarantee: Funding approvals, Credit outcomes, AI accuracy or uptime, Business results, Earnings or specific outcomes 8. Limitation of Liability To the fullest extent allowed by law: Dreamlit Capital LLC will not be liable for: Lost profits, Loss of data, Business interruption, Inaccurate AI outputs, Any damages arising from your use of our Site or services. Our total liability shall not exceed the amount you paid to us for services. 9. Third-Party Links Our Site may link to partner websites. Those sites are operated independently and have their own policies. We are not responsible for their content or actions. 10. Governing Law These Terms are governed by the laws of the State of Florida. 11. Changes to Terms We may update these Terms at any time. Updates will be emailed to users and posted on this page. 12. Contact Us For questions or support, email: matthew@dreamlitcapital.com PRIVACY POLICY — Dreamlit Capital LLC Effective Date: November 23, 2025 Dreamlit Capital LLC (“Dreamlit Capital,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy describes how we collect, use, and protect your information. 1. Information We Collect We collect the following from visitors, leads, and clients: Personal Information: Name Email Phone number Business name We do not collect financial data, credit reports, or sensitive medical details directly. Any financial or credit-related data is collected by our partners, not by Dreamlit Capital. Non-Personal Information: Basic usage and site interaction (standard server logs) Cookies & Tracking: We may begin using cookies, analytics tools, or pixels in the future. This Policy will be updated once implemented. 2. How We Use Your Information We use collected information to: Provide our AI receptionist, chatbot, and review automation services Respond to inquiries Process payments and manage subscriptions Connect you with partner funding/credit specialists Communicate updates or policy changes Improve website functionality We do not sell personal data. 3. Sharing Your Information We may share your information only with: Our trusted funding and credit repair partners for service delivery. Payment processors for subscription management. Email/SMS service providers for communication. We do not share your personal information with advertisers or unrelated third parties. We do not transfer data outside the United States. 4. Data Security We use commercially reasonable security measures to protect your information. However, no system is 100% secure. You acknowledge this risk. 5. Children’s Privacy Our Site is not intended for children under 13. We do not knowingly collect information from children. 6. Your Rights You may request: Access to your data Correction of inaccurate data Deletion of your data Email matthew@dreamlitcapital.com for such requests. 7. Email Updates & Notifications Policy changes will be sent to the email you provided. 8. Third-Party Websites Our website may link to partner or service provider sites. Their privacy practices are independent of ours. 9. Changes to This Policy We may update this Privacy Policy at any time. New versions will be emailed to users and posted on this page. 10. Contact Us Dreamlit Capital LLC 3801 Avalon Park East Blvd. Suite 553 PMB 70102 Orlando, FL 32828 Email: matthew@dreamlitcapital.com