Disclosures

01Who we are

effect.com is a trading name of Sylvent Corporation, a Delaware corporation with registered office at 131 Continental Drive, Suite 301, Newark, DE 19713, USA (“Effect”, “we”). Effect provides business-to-business software, data infrastructure and portfolio analytics to non-bank lenders and to the institutions that finance them.

02What Effect is not

Effect is not, and does not hold itself out as:

• a bank, savings institution or FDIC-insured depository institution;
• a lender, credit institution or loan originator. Effect does not extend credit, does not make credit decisions and does not participate in the credit decisions of its customers;
• a money transmitter or payment institution. Effect does not receive, hold, transmit or disburse funds of any customer, capital provider or third party;
• a broker or dealer registered with the U.S. Securities and Exchange Commission, and is not a member of FINRA or SIPC;
• an investment adviser registered with the SEC or with any state securities regulator;
• a nationally recognized statistical rating organization (NRSRO) or a credit rating agency. Scores, indicators and monitoring outputs produced by the Effect platform are not credit ratings and may not be used for any regulatory purpose;
• a financial institution authorized or supervised in Mexico. Effect is not a SOFOM, is not registered with or supervised by the CNBV, Banco de México or CONDUSEF, and does not carry on regulated financial activity in Mexico.

03No advice, no recommendation, no offer

Nothing on this site or in the Effect platform is investment, financial, legal, accounting or tax advice, an offer or solicitation to buy or sell any security or financial instrument, a recommendation to enter into or refrain from any transaction, or an opinion on the merits of any lender, portfolio, facility or investment. Information is provided for the recipient’s own analysis. Each capital provider reaches its own independent decision on its own diligence. Each lender makes its own credit decisions under its own policies.

04Capital arrangement services

Where Effect assists a lender in obtaining financing, those services are provided only under a separate written agreement. They are limited to preparing and presenting information about the lender’s business and loan portfolio, and to making introductions between the lender and prospective capital providers. Effect does not offer or sell securities, does not solicit purchases of securities, does not negotiate or structure financing terms, does not receive or hold funds or securities of any party, and does not act as a placement agent or underwriter. Effect does not guarantee that financing will be obtained, on any terms or at all. All terms are agreed solely between the lender and the capital provider.

05Illustrative data

Dashboards, screenshots, company names, portfolios, figures, timelines and outcomes shown on this site are demonstration data created for illustration. They do not represent actual customers, actual portfolios, actual transactions or actual results, and may not be relied upon as such.

06Forward-looking statements

Statements about future performance, timelines, availability of capital or results are forward-looking and subject to risks and uncertainties. Illustrated or past results are not a guide to future results.

07Third parties

This site may reference or link to third-party institutions, data providers and products. Effect does not endorse them and is not responsible for their content, services or conduct.

08Jurisdiction

This site is operated from the United States and is directed at businesses and institutional counterparties. It is not directed at retail investors or consumers, and is not an offer of any product or service in any jurisdiction in which such an offer would be unlawful.