The fine print, in plain English.

Last updated: 2026-05-23. This is a placeholder summary that should be replaced with a final privacy policy reviewed by counsel before going live publicly.

TCT Financial collects only the information necessary to evaluate a royalty loan application and operate this website. The two categories of information we collect are: (1) information you voluntarily submit through forms (name, contact info, royalty statements, basin / county data), and (2) standard web analytics (page views, anonymized IP, referrer) used to improve the site.

We do not sell personal information. We do not share submitted statements or application data with third parties except where strictly necessary to underwrite, fund, or service a loan, or where required by law. We use industry-standard transport encryption (HTTPS) and store sensitive documents in access-controlled systems.

To request access to, correction of, or deletion of your personal information, email info@tctfinancial.com.

Last updated: 2026-05-23. Placeholder. Replace with finalized terms before public launch.

By using tctfinancial.com you agree that all information presented on this site is for general informational purposes only. Loan offers, terms, amounts, and rates referenced anywhere on the site (including any calculator) are illustrative and not a commitment to lend. Final terms are determined after review of submitted royalty statements and supporting documentation.

You agree not to use the site to transmit unlawful content, attempt to gain unauthorized access to any system, or impersonate any other person or entity. TCT Financial reserves the right to modify these terms at any time. Continued use of the site constitutes acceptance of the current terms.

Last updated: 2026-05-23. Placeholder. Replace with TCT's official lending disclosures.

TCT Financial is a specialty lender providing loans secured by oil & gas royalty income. A loan with TCT is not a sale of mineral rights. The borrower retains 100% of ownership in the underlying minerals and the royalty stream returns in full after the loan is repaid.

All loans are subject to underwriting approval. Estimated loan amounts shown anywhere on this site (including the calculator and customer-story examples) are illustrative and may not reflect a final offer. Production levels can fluctuate; past royalty history is not a guarantee of future performance.

TCT Financial does not provide tax, legal, or accounting advice. Before entering into any loan, consult your own advisors regarding the implications for your specific situation.

Last updated: 2026-05-23. Placeholder. List actual licenses, registrations, and association memberships here.

TCT Financial operates in compliance with applicable state and federal lending regulations. Specific license numbers and regulatory bodies will be listed here after legal review.

TCT Financial maintains professional association memberships including (placeholder list): Texas Independent Producers & Royalty Owners Association (TIPRO), National Association of Royalty Owners (NARO), Society of Independent Professional Earth Scientists (SIPES), Texas Land Association, and the Permian Basin Petroleum Association.