Terms of Service

1. Agreement to Terms

By accessing or using the website and services of Hard Money Lenders of Montecito ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our website or use our services.

2. Use of Our Services

Our hard money lending services are available to qualified borrowers for real estate investment purposes. By submitting a loan application or using our services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• All information you provide is accurate, complete, and current
• You are seeking financing for investment properties, not owner-occupied residences
• You will use our services only for lawful purposes

3. Loan Applications and Approval

Submitting a loan application does not guarantee approval or funding. All loans are subject to our underwriting criteria, property evaluation, and approval process. We reserve the right to decline any application at our sole discretion. Loan terms, rates, and conditions are determined on a case-by-case basis and may vary based on the property, borrower, and market conditions.

4. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. By using our website and services, you consent to the collection and use of information as detailed in the Privacy Policy.

5. Intellectual Property

The content, organization, graphics, design, and other matters related to our website are protected under applicable copyrights, trademarks, and other proprietary rights. Copying, redistributing, use or publication by you of any such matters or any part of the website is prohibited without express written permission.

6. Disclaimer of Warranties

Our services and website are provided on an "as is" and "as available" basis without any warranties of any kind. We do not warrant that our services will be uninterrupted, timely, secure, or error-free. Information on our website is for general informational purposes only and does not constitute financial, legal, or investment advice.

7. Limitation of Liability

In no event shall Hard Money Lenders of Montecito, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services or website. Our total liability shall not exceed the amount of fees paid by you to us, if any, in connection with the services giving rise to the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless Hard Money Lenders of Montecito and its affiliates from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or infringement of any third-party rights.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any legal action arising out of or relating to these Terms shall be filed only in the state or federal courts located in Santa Barbara County, California.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the new terms on this page and updating the "Last updated" date. Your continued use of our services after any changes constitutes acceptance of the new terms.

11. Contact Information

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