1. Acceptance of Terms
By accessing or using this website and our services, you (“User,” “you,” or “your”) agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use our services.
2. Company Information
This website is operated by [Company Name] (“Company,” “we,” “us,” or “our”), a private lending matchmaking service located at 458 Locklie Street, Dunedin, FL. We connect real estate investors with private lenders in our network.
3. Description of Services
3.1 Matchmaking Services
We provide a platform that connects borrowers seeking real estate investment financing with private lenders in our network. Our services include:
- Loan application processing and review
- Matching borrowers with compatible lenders
- Facilitating communication between parties
- Providing guidance throughout the lending process
3.2 Not a Lender
IMPORTANT: We are not a lender. We do not make loans, extend credit, or make credit decisions. All lending decisions are made by third-party lenders in our network.
4. Eligibility and Registration
4.1 User Requirements
To use our services, you must:
- Be at least 18 years old
- Have legal capacity to enter into contracts
- Provide accurate and complete information
- Be a qualified real estate investor or meet lender requirements
4.2 Account Registration
Users may be required to create an account to access certain services. You are responsible for maintaining the confidentiality of your account credentials.
5. Loan Application Process
5.1 Application Submission
- All information provided must be accurate and complete
- Incomplete applications may result in delays or rejection
- We reserve the right to verify all information provided
5.2 No Guarantee of Approval
- Submission of an application does not guarantee loan approval
- All lending decisions are made by third-party lenders
- We do not control or influence lending decisions
6. Fees and Compensation
6.1 Service Fees
Details regarding any fees for our matchmaking services will be disclosed prior to agreement. Fees may include:
- Application processing fees
- Origination fees paid by lenders
- Success fees upon loan closing
6.2 Third-Party Costs
Borrowers are responsible for all third-party costs including but not limited to:
- Appraisal fees
- Title insurance
- Legal fees
- Inspection costs
7. Privacy and Data Protection
7.1 Information Collection
We collect personal and financial information necessary to provide our services, including:
- Contact information
- Financial statements
- Credit information
- Property details
7.2 Information Sharing
We may share your information with:
- Lenders in our network
- Third-party service providers
- Legal authorities when required by law
7.3 Data Security
We implement reasonable security measures to protect your information, but cannot guarantee absolute security.
8. Compliance and Regulations
8.1 Regulatory Compliance
Our services comply with applicable federal and state regulations including:
- Truth in Lending Act (TILA)
- Real Estate Settlement Procedures Act (RESPA)
- Equal Credit Opportunity Act (ECOA)
- Florida lending regulations
8.2 NMLS Registration
If required by law, we maintain appropriate licensing and registration with the Nationwide Multistate Licensing System (NMLS).
9. Disclaimers and Limitations
9.1 No Warranties
Our services are provided “as is” without warranties of any kind. We do not warrant:
- Loan approval or terms
- Accuracy of third-party information
- Uninterrupted service availability
9.2 Investment Risks
Real estate investing involves significant risks including:
- Market fluctuations
- Property damage or loss
- Financing difficulties
- Regulatory changes
9.3 No Financial Advice
We do not provide financial, legal, or tax advice. Users should consult qualified professionals for such advice.
10. Limitation of Liability
10.1 Liability Limits
To the maximum extent permitted by law, our liability is limited to the fees paid for our services. We are not liable for:
- Indirect, incidental, or consequential damages
- Lost profits or business opportunities
- Actions of third-party lenders
- Investment losses
10.2 Indemnification
Users agree to indemnify and hold us harmless from claims arising from:
- Use of our services
- Violation of these Terms
- Breach of representations or warranties
11. Intellectual Property
11.1 Our Content
All content on our website is protected by copyright and other intellectual property laws. Users may not reproduce, distribute, or create derivative works without permission.
11.2 User Content
By submitting content to us, you grant us a license to use, reproduce, and distribute such content for business purposes.
12. Termination
12.1 Termination Rights
We may terminate or suspend access to our services at any time for:
- Violation of these Terms
- Fraudulent or illegal activity
- Non-payment of fees
- Any other reason at our discretion
12.2 Effect of Termination
Upon termination, your right to use our services ceases immediately. Provisions regarding liability, indemnification, and intellectual property survive termination.
13. Dispute Resolution
13.1 Governing Law
These Terms are governed by Florida law without regard to conflict of law principles.
13.2 Arbitration
Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the American Arbitration Association Commercial Arbitration Rules.
13.3 Class Action Waiver
Users waive the right to participate in class actions or collective proceedings.
14. Communications
14.1 Electronic Communications
By using our services, you consent to receive communications electronically, including:
- Email notifications
- Text messages
- Website notifications
14.2 Communication Preferences
You may update your communication preferences through your account settings or by contacting us directly.
15. Modifications
15.1 Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website.
15.2 Notification
We will provide notice of material changes through:
- Email notification
- Or Website posting
- Or Other reasonable means
16. Miscellaneous
16.1 Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
16.2 Entire Agreement
These Terms constitute the entire agreement between you and us regarding our services.
16.3 Assignment
We may assign these Terms without notice. Users may not assign their rights or obligations without our written consent.
16.4 Waiver
Our failure to enforce any provision does not constitute a waiver of that provision.
17. Contact Information
For questions about these Terms or our services, please contact us at:
Address: 458 Locklie Street, Dunedin, FL
Email: info@firstlendingnetwork.com
Phone: +1 (813)742-6333
IMPORTANT NOTICE: This website and our services are designed for real estate investment professionals and qualified investors. All lending decisions are made by third-party lenders. We encourage users to consult with qualified financial, legal, and tax professionals before making investment decisions.
Equal Housing Opportunity: We are committed to fair lending practices and do not discriminate based on race, color, religion, national origin, sex, handicap, or familial status.