1. Acceptance of Terms

By accessing and using the LoanDaddy.ai website and services (the "Service"), you accept and agree to be bound by the terms and provisions of this agreement ("Terms"). If you do not agree to these Terms, please do not use our Service.

2. Description of Service

Lending Services

LoanDaddy.ai provides private money lending services for real estate investment and business purposes, including:

• Debt Service Coverage Ratio (DSCR) loans
• Hard money and bridge financing
• Fix and flip loans
• Commercial real estate loans
• Portfolio and blanket financing

Business Purpose Only

Educational Content

We provide educational content, calculators, and resources for real estate investors, including market analysis, investment guides, and financial tools.

3. User Eligibility and Responsibilities

Eligibility Requirements

To use our lending services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into binding contracts
• Provide accurate and complete information
• Use the service for business or investment purposes only
• Comply with all applicable laws and regulations

Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit unlawful activity
• To harm, abuse, harass, or discriminate against others
• To submit false, inaccurate, or misleading information
• To interfere with or disrupt our systems or security
• To attempt unauthorized access to our systems
• For owner-occupied residential properties

4. Loan Application Process

Application Submission

Loan applications submitted through our platform are subject to:

• Credit checks and verification of information provided
• Property appraisal and inspection requirements
• Underwriting review and approval process
• Compliance with lending guidelines and regulations

No Guarantee of Approval

Submission of a loan application does not guarantee approval or funding. All loans are subject to underwriting approval, satisfactory appraisal, and meeting program guidelines.

Rate and Term Accuracy

Interest rates and loan terms displayed on our website are examples only and subject to change without notice. Actual rates and terms will be determined during the underwriting process based on your specific qualifications and current market conditions.

5. Intellectual Property Rights

LoanDaddy.ai Content

The Service and its original content, features, and functionality are owned by LoanDaddy.ai and protected by copyright, trademark, and other intellectual property laws.

User License

We grant you a limited, non-exclusive, non-transferable license to access and use our Service for your personal business purposes, subject to these Terms.

Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our content for commercial purposes without authorization
• Remove copyright or proprietary notices
• Reverse engineer or attempt to extract source code

6. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to our Privacy Policy.

7. Disclaimers and Limitations of Liability

Service Availability

We provide our Service on an "as is" and "as available" basis. We do not guarantee that our Service will be uninterrupted, secure, or error-free.

Financial Advice Disclaimer

The information provided on our website is for educational purposes only and does not constitute financial, legal, or investment advice. You should consult with qualified professionals before making financial decisions.

Limitation of Liability

To the fullest extent permitted by law, LoanDaddy.ai shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly.

8. Indemnification

You agree to defend, indemnify, and hold harmless LoanDaddy.ai and its affiliates from any claims, damages, or expenses arising from your use of our Service or violation of these Terms.

9. Termination

We may terminate or suspend your access to our Service immediately, without prior notice, if you breach these Terms or engage in prohibited activities.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Arizona, without regard to conflict of law principles. Any disputes will be resolved in the courts of Arizona.

11. Changes to Terms

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

12. Regulatory Compliance

Equal Credit Opportunity

We comply with the Equal Credit Opportunity Act and do not discriminate based on race, color, religion, national origin, sex, marital status, age, or other protected characteristics.

Truth in Lending

As a private lender providing business-purpose loans, certain consumer protection laws may not apply. However, we are committed to transparent lending practices and clear disclosure of all loan terms.

13. Contact Information

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

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and LoanDaddy.ai concerning the Service.