Terms of Service

Updated 09.12.2025

1. Introduction

These Terms of Service (“Terms”) govern your use of the websites, investor portal, SMS communications, and related services operated by Centrality Inc., dba Central Capital (“Central,” “we,” or “us”).

By using our Services, you agree to these Terms. If you do not agree, do not use our Services.

2. Eligibility

  • Our Services are intended solely for accredited investors as defined under Rule 501 of Regulation D under the Securities Act of 1933.

  • By using our Services, you represent that you meet these requirements and have authority to act.

3. Services Provided

  • Central manages the Central Mortgage Income Fund, LLC (CMIF), a California-based private credit fund.

  • Investor account access is powered by Agora, our investor relations management platform. Your use may also be subject to Agora’s terms.

4. Investor Communications

  • By providing your phone number, you consent to receive SMS/text messages related to investor updates, account access, and fund communications.

  • Message frequency may vary. Standard carrier rates apply. Reply “STOP” to opt out.

5. Payments and Wires

  • Central facilitates investor contributions, wires, and distributions through regulated U.S. financial institutions and fund administrator Armanino.

  • You agree to follow only wire instructions provided directly by Central or its administrator.

  • Central is not liable for losses resulting from fraud, interception, or investor error unless caused by our gross negligence or willful misconduct.

6. No Offer of Securities

  • Nothing on our website or Services constitutes an offer to sell or a solicitation to buy securities.

  • All investments are made only through a definitive Private Placement Memorandum (PPM), Operating Agreement, and Subscription Agreement.

7. Limitation of Liability

To the fullest extent permitted by law, Central shall not be liable for indirect, incidental, or consequential damages, including losses arising from payment errors, unauthorized access, or interruptions in service.

8. Governing Law

These Terms are governed by the laws of the State of California. Disputes will be resolved exclusively in Contra Costa County, California.

9. Contact Us

For questions about these Terms:
Central Capital
517 Sycamore Valley Road W, Danville, CA 94526
Email: hello@central.io | Phone: +1 (925) 430-5900

Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3

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+1 925 430 5900

517 Sycamore Valley Rd
Danville, CA 94526 USA

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© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3

Chat with Us

Chat with Us

Get Started

Sign Up

Investor Login

Apply for a Loan

Central

Overview

Central Mortgage Fund

Contact

Resources

News & Insights

Legal

HQ

+1 925 430 5900

517 Sycamore Valley Rd
Danville, CA 94526 USA

Logo

© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3

Chat with Us

Chat with Us

Get Started

Sign Up

Investor Login

Apply for a Loan

Central

Overview

Central Mortgage Fund

Contact

Resources

News & Insights

FAQs

Loans & Servicing

Equidy

HQ

+1 925 430 5900

517 Sycamore Valley Rd
Danville, CA 94526 USA

Logo

© Centrality Inc

Terms

Privacy

Central Mortgage Income Fund LLC (CMIF) :
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shownPast performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3

Chat with Us

Chat with Us

Get Started

Sign Up

Investor Login

Apply for a Loan

Central

Overview

Central Mortgage Fund

Contact

Resources

News & Insights

Legal

HQ

+1 925 430 5900

517 Sycamore Valley Rd
Danville, CA 94526 USA

Logo

© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025


Why Hold California Assets?

“California's economy has overtaken that of the country of Japan, making the US state the fourth largest global economic force.” 3

Chat with Us

Chat with Us

Get Started

Sign Up

Investor Login

Apply for a Loan

Central

Overview

Central Mortgage Fund

Contact

Resources

News & Insights

Legal

HQ

+1 925 430 5900

517 Sycamore Valley Rd
Danville, CA 94526 USA

Logo

© Centrality Inc

Central Mortgage Income Fund LLC (CMIF):
NMLS Consumer Access

All rights reserved. Information on this site is proprietary and may not to be reproduced, transferred, or distributed in any form without prior written permission from Centrality Inc. It is delivered on an “as is” basis without warranty or liability.

Unless otherwise noted. The words “we”, “us”, and “our” refer to Centrality Inc DBA Central Capital ("Central") together with its consolidated subsidiaries, including Central Mortgage Income Fund LLC (the “Fund”), unless the context requires otherwise.

Central's funds are available to accredited investors only. The products, services, information and/or materials contained within these web pages may not be available for residents of certain jurisdictions.

All referenced data unless otherwise noted is as of August 01, 2025.

1 Investor performance and payment history includes disbursements made by Central's principals across multiple porfolio companies, including Equidy Inc.
2 Any financial projections or returns shown on the website are estimated predictions of performance only, are hypothetical, are not based on actual investment results and are not guarantees of future results. Estimated projections do not represent or guarantee the actual results of any transaction, and no representation is made that any transaction will, or is likely to, achieve results or profits similar to those shown. Past performance is not a guide for future results. There can be no assurance that any Central fund or investment will be able to implement its investment strategy, achieve its objectives, or avoid substantial losses.
3 BBC, California passes Japan as fourth largest economy, April 24, 2025