Terms & Conditions

Effective Date: April 2025

Use of Website and Acceptance of Terms

Welcome to the website of Pham Capital Partners (“Company,” “we,” or “us”). By accessing or using our website (the “Site”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, you must refrain from using the Site. Use of the Site is permitted only under the condition that you accept these Terms, which form a legally binding agreement between you and the Company.

The Site is provided for general informational purposes regarding our investment and private equity services. By using the Site, you represent and warrant that you are at least the age of majority in your jurisdiction and that you will use the Site in compliance with all applicable laws and these Terms. If you are using the Site on behalf of an organization or another person, you represent that you have the authority to bind that entity to these Terms, in which case “you” shall refer to that entity as well.

Intellectual Property Rights

All content, features, and functionality on the Site — including but not limited to text, graphics, logos, icons, images, audio clips, video, software, and downloadable materials (collectively, the “Content”) — are the exclusive property of Pham Capital Partners or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. The Company name, logo, and all related names and service marks are trademarks of Pham Capital Partners, and may not be used without our prior written consent.

Permitted Use: We grant you a limited, non-exclusive, non-transferable license to access and use the Site and its Content for your personal, non-commercial use only. No right, title, or interest in the Site or any Content is transferred to you under these Terms.

Prohibited Uses: You agree not to:

• Reproduce, distribute, or create derivative works: You must not copy, modify, republish, upload, post, transmit, or distribute any portion of the Content without our express prior written permission.
• Commercial or unlawful use: You must not use the Site or Content for any commercial purpose, or for any illegal or unauthorized purpose. This includes refraining from using the Site to advertise or sell your own products or services.
• Alter or remove notices: You must not remove, obscure, or alter any copyright, trademark, or other proprietary rights notices displayed on the Site or in the Content.
• Interference or harm: You must not attempt to interfere with the proper working of the Site. This prohibition includes introducing viruses or malicious code, engaging in any form of hacking or data mining, or attempting to gain unauthorized access to any servers, user accounts, or computer systems.

Any use of the Site or Content beyond the scope of the permission granted above is strictly prohibited and will terminate the permission or license granted by these Terms. We reserve all rights not expressly granted to you in these Terms.

Accuracy of Information and Disclaimers

Pham Capital Partners strives to ensure that the information on the Site is accurate and up-to-date, but we do not guarantee the completeness, timeliness, or accuracy of any Content. The materials and information on this Site are provided “as is” and “as available,” without warranties of any kind, either express or implied. To the fullest extent permitted by law, the Company disclaims all warranties, express or implied, including but not limited to implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose. We make no representation or warranty that the Site will be uninterrupted, secure, or free of errors, viruses, or other harmful components.

No Professional Advice or Offer: The Content on this Site is for general informational purposes only and does not constitute investment, financial, legal, or other professional advice. Nothing on the Site is intended as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, investment product, or service. You should not rely on the information on this Site for making financial or investment decisions. Any reliance you place on such information is strictly at your own risk, and you are advised to consult with qualified professionals before making any decisions based on the Content. Past performance is not indicative of future results, and any forward-looking statements on the Site are subject to uncertainties and risks.

We reserve the right to correct any errors or omissions in the Content. However, we undertake no obligation to update or revise information on the Site, and information presented may be superseded by more current information (including information made available by Pham Capital Partners through other channels).

Limitation of Liability

To the maximum extent permitted by applicable law, Pham Capital Partners and its affiliates, officers, employees, and agents shall not be liable for any damages of any kind arising out of or in connection with your use of (or inability to use) the Site or reliance on its Content. This includes any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, or any loss of profits, revenue, data, or goodwill, even if we have been advised of the possibility of such damages.

Pham Capital Partners shall not be responsible for any damage to your computer system, loss of data, or any other harm that results from your access to or use of the Site or any Content. Your sole remedy for dissatisfaction with the Site or Content is to stop using the Site.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability for damages. To the extent such laws apply to you, some of the exclusions or limitations above may not apply to you. In such cases, Pham Capital Partners’ liability will be limited to the fullest extent permitted by applicable law.

User Submissions and Communication

The Site may allow you to submit inquiries, requests for consultation, or other information through online forms or contact features (“User Submissions”). By sending or uploading any User Submission, you agree to the following:

• Lawful and accurate content: You will provide truthful, current, and complete information and will not submit any content that is unlawful, fraudulent, defamatory, obscene, harassing, or that infringes on any third party’s rights.
• Non-confidentiality: User Submissions are considered non-confidential and non-proprietary. You understand that we have no obligation to treat any User Submission as confidential. For this reason, please do not send sensitive personal information or proprietary business information through the Site.
• License to use submissions: By submitting any content or information, you grant Pham Capital Partners a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, distribute, and otherwise exploit your User Submission for any lawful purpose, including responding to your inquiries or improving our services. You also agree that we are free to use any ideas or concepts contained in your submission without any compensation to you.
• No obligation to respond: The Company is under no obligation to respond to any User Submission or inquiry. Submitting a request or inquiry does not create any business relationship between you and Pham Capital Partners unless and until we enter into a separate written agreement.

You are solely responsible for the content of your User Submissions and for any consequences arising from their transmission. By making a submission, you represent and warrant that you own or have the necessary rights and permissions to submit the content and to grant the license above, and that your submission complies with these Terms and all applicable laws. We reserve the right (but have no obligation) to monitor, edit, remove, or refuse to post any User Submissions for any reason in our sole discretion.

Third-Party Links and Services

Our Site may contain links to third-party websites, services, or social media platforms that are not owned or controlled by Pham Capital Partners. These links are provided for your convenience and reference only. We do not endorse and are not responsible or liable for the content, products, services, or information on any third-party sites. If you access a third-party website via a link on our Site, you do so at your own risk. Such websites are governed by their own terms and privacy policies, which we suggest you review.

Furthermore, any interactions or business dealings you have with third parties found on or through our Site (for example, via social media pages or links) are solely between you and that third party. Pham Capital Partners shall not be responsible for any loss or damage incurred as a result of such dealings or as a result of the presence of third-party links on our Site.

Jurisdiction and Governing Law

This Site is controlled and operated by Pham Capital Partners from within the United States. These Terms and any dispute arising from your use of the Site shall be governed by and construed in accordance with the laws of the United States and the laws of the State of [Insert State], without regard to its conflict of law principles.

By using the Site, you agree that any disputes or claims between you and Pham Capital Partners shall be subject to the exclusive jurisdiction of the state and federal courts located in the State of [Insert State], USA. You hereby consent to the personal jurisdiction of such courts and waive any objections to such venue on the grounds of inconvenient forum or otherwise.

We recognize that our Site may be accessed from locations around the world. If you choose to access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. You may not use the Site or export any Content in violation of U.S. export laws and regulations or any other applicable laws.

Nothing in these Terms affects any rights you may have as a consumer under the laws of your jurisdiction that cannot be waived by contract.

Updates to the Terms

Pham Capital Partners may revise or update these Terms from time to time in its sole discretion. Any changes will be effective immediately upon posting of the revised Terms on the Site, unless otherwise indicated. The “Effective Date” at the top of this page will be updated to reflect the date of the latest changes.

It is your responsibility to review these Terms periodically for any modifications. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. If you do not agree to a modification, you must stop using the Site.

In the case of material changes to these Terms, we may (but are not obligated to) notify you by additional means, such as a notice on our homepage or an email notification if we have your contact information.

Contact Information

If you have any questions or concerns about these Terms and Conditions or how the Site is operated, please contact us:

Email: charlie@phamcp.com

Mailing Address: 2909 E. Arkansas Lane, Arlington, Texas 76010

Phone: 214-243-6189

Please direct any legal notices or specific inquiries regarding these Terms to the mailing address above, Attn: Legal Department. We will make efforts to respond to appropriate inquiries in a timely manner.