Missouri Green Banc Terms of Service

Effective Date: 09-22-2026 Last Updated: 10-15-2026

These Terms of Service (“Terms”) govern your access to and use of websites, online services, accounts, platforms, programs, forms, tools, and other digital services operated by or on behalf of Missouri Green Banc (“MGB,” “we,” “us,” or “our”), including missourigreenbanc.org and, where applicable, NPCA Match and related services.

Please read these Terms carefully. By accessing or using an MGB website or service, creating an account, or otherwise agreeing to these Terms where presented, you agree to be bound by them.

Separate consent may be required for particular communications, including SMS/text messaging. Acceptance of these Terms by itself does not constitute consent to receive marketing or promotional text messages.

Contents (35 sections)

1. About Missouri Green Banc

Missouri Green Banc is a nonprofit organization whose activities include supporting the development and deployment of financing and market infrastructure for energy, efficiency, resilience, and other eligible building improvements; providing education, training, program support, project-development resources, and related services; and facilitating appropriate connections among property owners, contractors, capital providers, municipalities, and other project participants.

MGB may operate or support programs involving Commercial Property Assessed Clean Energy (“C-PACE”) and related project-financing opportunities. MGB may also provide technology platforms and services, including NPCA Match, designed to help appropriate participants identify potential projects, service providers, financing sources, or other project relationships.

The specific role of MGB may differ by program or transaction. A separate program agreement, assessment contract, financing document, participation agreement, or other written agreement may therefore govern a particular transaction or relationship. If there is a conflict between these Terms and a separately executed agreement concerning a particular transaction, the separately executed agreement will control with respect to that transaction to the extent of the conflict.

2. Eligibility

You may use MGB services only if you have legal capacity to enter into these Terms.

If you use an MGB service on behalf of a company, governmental entity, nonprofit organization, partnership, property owner, contractor, capital provider, or other organization, you represent that you are authorized to act on behalf of that organization with respect to your use of the service.

Certain programs may impose additional eligibility, geographic, project, underwriting, professional, licensing, programmatic, or legal requirements.

3. MGB Programs and Services

Depending on the program, MGB services may include:

  • educational and informational resources;
  • training and technical assistance;
  • contractor or participant registration;
  • project intake and preliminary screening;
  • referrals and introductions;
  • identification of potential financing or project resources;
  • communications among authorized participants;
  • project or account notifications;
  • C-PACE-related program support;
  • NPCA Match functionality;
  • document and information exchange;
  • program administration; and
  • other services consistent with MGB’s nonprofit mission.

MGB may add, modify, suspend, or discontinue particular features or services from time to time.

4. NPCA Match

NPCA Match is intended to facilitate discovery and potential connections among eligible or appropriate project participants, which may include property owners, projects, contractors, capital providers, and other authorized participants.

NPCA Match may use information supplied by users or generated through platform activity to identify potential matches or connections based on factors such as location, service area, project characteristics, requested services, financing requirements, participant preferences, eligibility information, and other relevant criteria.

A match is an indication of potential compatibility or interest. It is not an endorsement, recommendation, approval, commitment, underwriting decision, credit determination, contractor selection, financing commitment, or representation that the parties should enter into a transaction.

MGB may determine what information is visible at different stages of the matching process. Certain identifying, contact, financial, commercial, project, or other information may remain restricted until a match is accepted, released, authorized, or otherwise reaches an appropriate stage.

Users may not attempt to circumvent these privacy or access controls.

5. No Guarantee of Match or Transaction

Participation in an MGB program or NPCA Match does not guarantee:

  • that a user will receive a match;
  • that another participant will express interest;
  • that financing will be available;
  • that financing terms will be acceptable;
  • that a contractor or service provider will participate;
  • that a property, owner, project, improvement, or financing structure will qualify for C-PACE or another program;
  • that a municipality or governmental entity will approve or participate in a project;
  • that due diligence, underwriting, engineering, legal, program, or other requirements will be satisfied;
  • that a transaction will close;
  • that construction will commence or be completed; or
  • that any particular financial, tax, energy, environmental, construction, operational, or other result will be achieved.

Each participant remains responsible for evaluating its own risks and opportunities.

6. Independent Decisions and Agreements

Unless MGB expressly becomes a party to a separate written agreement, any financing, construction, professional-service, purchase, sale, referral, or other agreement arising from an MGB introduction or NPCA Match connection is between the applicable participants.

Participants are responsible for conducting their own due diligence concerning prospective counterparties, projects, financing arrangements, contractors, professional advisers, licenses, qualifications, insurance, creditworthiness, legal requirements, and transaction terms.

Unless expressly stated otherwise in a separate written agreement, MGB does not make decisions for a participant and does not assume responsibility for the performance of another participant.

Nothing on an MGB website or platform constitutes legal, tax, accounting, engineering, investment, or other professional advice. Users should obtain appropriate professional advice concerning their own circumstances.

7. Accounts

Some MGB services may require an account.

You agree to:

  • provide accurate and reasonably complete registration information;
  • maintain current contact and account information;
  • protect passwords, authentication credentials, and access codes;
  • use only accounts you are authorized to use;
  • promptly notify MGB of suspected unauthorized access; and
  • accept responsibility for activity conducted through your account to the extent permitted by law.

MGB may require email verification, telephone-number verification, multifactor authentication, or other security measures.

8. Accuracy of Submitted Information

You are responsible for information you submit through MGB services.

You agree not to knowingly provide materially false, misleading, fraudulent, incomplete, or unauthorized information.

MGB may rely on submitted information in administering programs, identifying potential matches, communicating with participants, or determining whether additional review is warranted.

MGB may request supporting information or correction of information but is not obligated to independently verify every statement made by a participant.

9. Permitted Use

You may use MGB services only for lawful purposes and in a manner consistent with their intended program or platform functions.

You may not:

  • misuse or interfere with the operation or security of an MGB system;
  • obtain or attempt to obtain unauthorized access to accounts, data, or restricted platform information;
  • scrape, harvest, copy, or systematically extract restricted participant information without authorization;
  • submit false identities or impersonate another person or organization;
  • use another participant’s information for unrelated solicitation, spam, harassment, or unlawful purposes;
  • use NPCA Match information to circumvent platform privacy controls;
  • upload malicious software or harmful code;
  • interfere with another user’s use of a service;
  • use MGB services in violation of applicable law; or
  • use information obtained through MGB in a manner that materially conflicts with the purpose for which access was granted.

10. Participant Communications

MGB may communicate with users and program participants through email, telephone, postal mail, website or platform notifications, and, when appropriate consent has been obtained, SMS or other messaging technologies.

Providing a telephone number does not by itself authorize every type of SMS communication.

MGB may maintain separate communication preferences for different categories of communications.

11. Email and Electronic Communications

By providing an email address or creating an account, you acknowledge that MGB may use email for appropriate account, program, project, administrative, support, legal, or operational communications.

Where required, marketing communications will include appropriate methods for changing communication preferences.

Certain communications concerning account administration, security, transactions, or legal matters may be necessary to provide a service and may not be treated as optional marketing communications.

12. SMS/Text Messaging

MGB uses SMS on an opt-in or otherwise legally authorized basis.

Depending on the consent provided and the service involved, SMS messages may include:

  • NPCA Match and platform notifications;
  • match activity;
  • project activity;
  • account and onboarding notifications;
  • requested operational communications;
  • appointments and reminders;
  • document or information requests;
  • action-required notices;
  • authentication codes;
  • account-security alerts;
  • consent and preference confirmations; and
  • other communications reasonably related to the category for which the recipient enrolled.

MGB does not treat enrollment in transactional or security messaging as consent to receive promotional SMS.

If MGB later offers promotional or marketing SMS, MGB will obtain any additional consent required for that messaging.

Additional terms governing SMS are available in MGB’s SMS Terms and are incorporated into these Terms where applicable.

13. NPCA Match Transactional Notifications

A user who affirmatively enrolls in NPCA Match SMS notifications may receive messages concerning material activity associated with the user’s account, projects, matches, referrals, communications, or participation.

These notifications may include new potential matches, expressions of interest, match acceptance or release, changes in project or match status, messages from or concerning authorized participants, document or information requests, deadlines, onboarding steps, account-completion reminders, required actions, and other material events reasonably related to the user’s NPCA Match participation.

The availability of a particular notification type may change as the platform develops.

14. Security and Authentication Communications

MGB may offer SMS as one method for authentication or account-security communications.

Such messages may include one-time passcodes, multifactor-authentication codes, login verification, password or account-recovery verification, new-device notices, security-setting changes, and alerts concerning suspected unauthorized access.

Users should maintain current telephone and security information.

Where reasonably practicable, MGB may provide alternative authentication methods. Availability of a particular method is not guaranteed.

A user who disables or opts out of SMS may be required to select another supported authentication method before accessing features for which authentication is required.

An SMS opt-out will not authorize MGB to disregard applicable security obligations, but MGB will not use a security-message enrollment as permission to send unrelated marketing messages.

15. Opting Out of SMS

For message categories supporting keyword opt-out, recipients may reply STOP to opt out.

MGB will also recognize other legally required or reasonably understood withdrawal requests and will process them in accordance with applicable requirements and system capabilities.

A recipient may reply HELP for assistance or contact MGB through the support information identified in the applicable message or SMS Terms.

After an SMS opt-out request, MGB may send one non-promotional confirmation message confirming that the opt-out has been processed.

Opting out of one category of SMS may not necessarily terminate other independently authorized categories where applicable law and messaging-provider requirements permit category-specific preferences. MGB may nevertheless apply broader suppression when necessary to ensure that an opt-out is honored.

Users may also manage available notification preferences through their account settings.

16. Message Frequency and Charges

SMS message frequency varies based on account activity, project activity, communication preferences, and the services in which a recipient participates.

Message and data rates may apply according to the recipient’s mobile service plan.

MGB does not charge a separate fee merely for receiving an MGB SMS unless expressly disclosed.

Wireless carriers are not responsible for delayed or undelivered messages.

Delivery is subject to carrier networks, device availability, service coverage, messaging-provider systems, and other circumstances outside MGB’s control.

17. Telephone Numbers

You represent that a mobile number you enroll for MGB messaging is a number at which you are authorized to receive communications.

If you relinquish, transfer, disconnect, or change a mobile number, you should promptly update your MGB account and messaging preferences.

MGB may use reasonable processes to identify reassigned, deactivated, invalid, or undeliverable telephone numbers and may suspend SMS delivery to such numbers.

18. Referrals and Invitations

MGB services may permit users to refer or invite persons or organizations with whom they have an appropriate relationship.

The ability to submit a referral does not authorize indiscriminate or unsolicited messaging.

A referring participant must provide referral information only when authorized to do so and must not represent that another person has consented to SMS or marketing communications unless that consent was actually obtained.

MGB may limit the communication method used for initial invitations and may require the recipient to affirmatively enroll before SMS communications begin.

19. Marketing Communications

Consent to receive operational, transactional, account, project, NPCA Match, or security SMS is not consent to receive marketing or promotional SMS.

If MGB offers promotional SMS in the future, enrollment will be separately identified and voluntary.

Consent to receive promotional text messages will not be a condition of purchasing a product or service or participating in a program except where permitted by law and expressly disclosed.

20. Privacy

MGB’s collection, use, disclosure, retention, and protection of personal information is described in the MGB Privacy Policy.

Mobile opt-in information and SMS consent information are not sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

MGB may provide information to communications vendors and other service providers as necessary to deliver messages, secure systems, maintain records, and operate MGB services, subject to appropriate contractual and operational restrictions.

21. Intellectual Property

Unless otherwise indicated, MGB websites and platforms, including their design, text, graphics, software, databases, logos, trademarks, service marks, training materials, and original content, are owned by or licensed to MGB and are protected by applicable intellectual-property laws.

MGB grants users a limited, nonexclusive, nontransferable, revocable right to access and use its services for their intended purposes.

Nothing in these Terms transfers ownership of MGB intellectual property.

22. User-Provided Materials

You retain any ownership rights you have in information or materials you submit.

You grant MGB the limited rights reasonably necessary to host, process, analyze, reproduce, communicate, display to authorized persons, and otherwise use submitted information for operation of the applicable program or service, administration of your account, potential matching or referral activity, security, compliance, auditing, and other purposes described in the Privacy Policy.

This permission does not give every participant unrestricted access to submitted information.

23. Government Seals, Logos, and Official Marks

An authorized representative of a municipality, county, or other governmental entity may be permitted to submit a seal, logo, emblem, or other official identifying mark (“Official Mark”) for use in connection with Missouri Green Banc, the Missouri Clean Energy District, NPCA Match, and related program or outreach activities.

By uploading or submitting an Official Mark, the submitting representative represents and agrees that:

a. Authorization

The submitting representative is authorized to act on behalf of the governmental entity identified and has obtained any permission or approval required to provide the Official Mark for the intended use.

b. Permission to Use and Display

The governmental entity grants MGB a limited, non-exclusive permission to store, reproduce, format, and publicly display the Official Mark on MGB-controlled websites, NPCA Match experiences, program materials, and related outreach for the purpose of identifying the governmental entity and accurately describing its participation in or relationship with applicable MGB or Missouri Clean Energy District programs.

c. Ownership

All ownership, trademark, and other intellectual-property rights in the Official Mark remain with the governmental entity or other applicable rights holder. No ownership interest in the Official Mark is transferred to MGB.

d. No Implied Endorsement

Display of an Official Mark does not, by itself, constitute or imply endorsement, sponsorship, financial support, or approval of MGB by the governmental entity beyond the governmental entity’s actual documented participation, authorization, or relationship with the applicable program.

e. Modification and Technical Processing

MGB may resize, convert, compress, crop, or otherwise make reasonable technical modifications to an Official Mark as necessary for secure storage, accessibility, responsive display, or compatibility with MGB websites and services, provided that MGB does not intentionally alter the fundamental identity or meaning of the Official Mark.

f. Removal or Withdrawal

An authorized representative of the governmental entity may request removal or replacement of an Official Mark. MGB may verify the authority of the person making the request before acting on it.

MGB may also remove, disable, or decline to display an Official Mark that MGB reasonably determines may be unauthorized, misleading, unlawful, technically unsafe, or inappropriate for the applicable program.

Removal from public display does not necessarily require deletion of historical authorization, audit, security, or program-administration records that MGB is permitted or required to retain.

g. Accuracy and Compliance

The submitting representative is responsible for ensuring that submission and proposed use of the Official Mark comply with applicable laws, ordinances, governmental policies, trademark restrictions, and other requirements governing use of the mark.

h. Recorded Authorization

MGB may retain records showing who authorized the use of an Official Mark, the governmental entity represented, when authorization was provided, the authorization language accepted, the asset associated with that authorization, and subsequent upload, replacement, removal, or administrative activity.

These records may be retained for audit, compliance, security, dispute-resolution, and program-administration purposes even after an Official Mark is no longer publicly displayed.

24. Third-Party Services and Websites

MGB services may integrate with or link to third-party websites, software, communications providers, financing platforms, document services, governmental resources, or other services.

MGB does not control every third-party service and is not responsible for the terms, privacy practices, security, availability, accuracy, or performance of an independent third party.

Use of a third-party service may be governed by separate terms.

25. No Endorsement

The presence of a participant, contractor, capital provider, professional, governmental entity, vendor, resource, link, or potential match within an MGB service does not by itself constitute MGB’s endorsement, warranty, certification, recommendation, or approval of that person or organization.

Any specific MGB registration, certification, program designation, or qualification will have only the meaning expressly assigned to that designation by the applicable program.

26. Availability and Modification

MGB may change platform functionality, eligibility requirements, workflows, communications, or services as programs evolve.

MGB does not guarantee uninterrupted or error-free availability.

MGB may perform maintenance, implement security controls, restrict access, or temporarily suspend features where reasonably necessary.

27. Suspension and Termination

MGB may suspend or terminate access when reasonably necessary because of:

  • violation of these Terms;
  • suspected fraud or misuse;
  • security concerns;
  • inaccurate or misleading information;
  • unlawful activity;
  • risk to other participants or MGB systems;
  • failure to satisfy applicable program requirements; or
  • discontinuation of a service.

A user may stop using an MGB service at any time, subject to obligations arising from separate agreements and legally required record retention.

28. Disclaimers

TO THE EXTENT PERMITTED BY LAW, MGB’S WEBSITES, PLATFORMS, AND GENERAL INFORMATIONAL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

MGB DOES NOT WARRANT THAT A WEBSITE OR PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR SUITABLE FOR EVERY PURPOSE.

MGB DOES NOT WARRANT THE ACCURACY OF INFORMATION PROVIDED BY INDEPENDENT PARTICIPANTS.

Nothing in this section alters an express obligation MGB has undertaken in a separate signed agreement.

29. Limitation of Liability

To the fullest extent permitted by applicable law, MGB and its directors, officers, employees, agents, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising solely from use of an MGB website or platform, including lost profits, lost opportunities, business interruption, or losses resulting from reliance on information supplied by another participant.

Nothing in these Terms excludes liability that cannot lawfully be limited or excluded.

Nothing in this section modifies liability expressly undertaken by MGB in a separate signed agreement.

30. Indemnification

To the extent permitted by applicable law, a user agrees to be responsible for claims, losses, or expenses resulting from the user’s unlawful use of MGB services, material violation of these Terms, infringement of another person’s rights, or unauthorized submission or misuse of another person’s information.

This provision does not require a user to indemnify MGB for MGB’s own unlawful conduct or for obligations that cannot legally be shifted to the user.

31. Changes to These Terms

MGB may update these Terms as its programs, technology, or legal requirements evolve.

MGB will post the updated Terms and update the “Last Updated” date.

When changes materially affect an account or service, MGB may provide additional notice where appropriate or legally required.

Continued use after the effective date of revised Terms constitutes acceptance to the extent permitted by applicable law. If separate affirmative acceptance is legally or operationally appropriate, MGB may require it.

32. Governing Law

Except to the extent another agreement or applicable law provides otherwise, these Terms are governed by the laws of the State of Missouri, without regard to conflict-of-laws principles.

Any dispute concerning these Terms will be brought in a court having proper jurisdiction and venue, unless the parties have separately agreed to another dispute-resolution procedure.

33. Severability

If any provision of these Terms is held unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

34. Entire Agreement

These Terms, the Privacy Policy, the SMS Terms where applicable, and any additional terms expressly applicable to a particular service constitute the agreement governing general use of the applicable MGB service.

Separate signed program, financing, assessment, participation, or other agreements remain independently enforceable according to their terms.

35. Contact Us

Questions concerning these Terms may be directed to:

Missouri Green Banc 16305 Swingley Ridge Road, Ste. 220, Chesterfield, MO 63017 info@missourigreenbanc.org 866-554-4083 For privacy matters: info@missourigreenbanc.org For SMS assistance: info@missourigreenbanc.org