Terms of Service

1. Introduction

Welcome to Lender.Reviews ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website, services, and platform (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

3. Service Description

Lender.Reviews provides:

• A platform to submit loan requests for hard money and private money loans
• Connection services to match borrowers with lenders in our network
• Information and educational content about hard money lending
• A marketplace where lenders compete to offer financing solutions

4. User Responsibilities

When using our Service, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Comply with all applicable laws and regulations
• Not misrepresent your identity or property information
• Not use the Service for fraudulent or illegal purposes
• Conduct your own due diligence on any lender you choose to work with
• Review and understand all loan terms before entering into any agreement

5. No Guarantee of Loan Approval

Submitting a loan request through our platform does NOT guarantee:

• That you will receive loan offers
• Approval of any loan application
• Specific loan terms, rates, or conditions
• The number of lenders who will respond to your request

All lending decisions are made solely by the individual lenders in our network based on their own underwriting criteria.

6. Lender Relationships

Lenders in our network are independent third parties. We do not:

• Endorse or recommend any specific lender
• Verify the credentials or licensing of lenders
• Control or influence lending decisions or loan terms
• Guarantee the performance or reliability of any lender

You are responsible for conducting your own due diligence and verifying that any lender you work with is properly licensed and meets your requirements.

7. Fees and Compensation

Our Service is free for borrowers. We may receive compensation from lenders in our network when we connect them with borrowers. This compensation does not affect the loan terms offered to you and does not create any additional cost to you.

8. Limitation of Liability

To the maximum extent permitted by law, Lender.Reviews and its officers, directors, employees, and agents shall not be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Actions or omissions of lenders in our network
• Loan terms, conditions, or performance
• Disputes between borrowers and lenders
• Accuracy or completeness of information provided by third parties

9. Intellectual Property

All content, features, and functionality of our Service, including but not limited to text, graphics, logos, and software, are owned by Lender.Reviews and are protected by copyright, trademark, and other intellectual property laws.

10. Privacy

Your use of our Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of the Service after such changes constitutes acceptance of the modified Terms.

12. Termination

We reserve the right to suspend or terminate your access to our Service at any time, with or without cause, and with or without notice, for any reason including violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

14. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

15. Contact Information

If you have any questions about these Terms, please contact us: