Disclaimer
Last Updated: January 2025
This Disclaimer (“Disclaimer”) applies to all information, tools, communications, and materials provided by LoiNow.com (“LoiNow,” “we,” “us,” “our”).
By using this website, you acknowledge and agree to the terms outlined below.
1. No Legal, Financial, or Tax Advice
All content on LoiNow.com is for general informational and educational purposes only.
Nothing on this Site should be interpreted as:
- Legal advice
- Financial or investment advice
- Tax advice
- Accounting guidance
- Real estate valuation advice
Borrowers should always consult licensed professionals before making decisions.
2. No Commitment to Lend
All loan information provided by LoiNow — including:
- Rates
- Terms
- LTV/LTC/ARV examples
- Loan scenarios
- Illustrative payment examples
- Letters of Intent (LOIs)
- Verbal discussions
are non-binding and subject to full underwriting approval.
Nothing on the Site constitutes:
- A final offer of credit
- A commitment to lend
- Guaranteed approval
- Guaranteed funding timelines
All loans may be modified, denied, or withdrawn based on underwriting findings.
3. Business-Purpose Loans Only
LoiNow provides financing exclusively for:
- Real estate investors
- Developers
- Business entities
- Commercial borrowers
LoiNow does not provide:
❌ Consumer loans
❌ Personal financing
❌ Family or household loans
❌ Owner-occupied residential mortgages
Borrowers must certify business-purpose intent in compliance with:
- Truth in Lending Act (TILA) exemptions
- SAFE Act exemptions
- Dodd-Frank commercial lending guidelines
4. Information Accuracy & Updates
While we strive for accuracy, LoiNow does not guarantee that content on this Site is always:
- Current
- Complete
- Free of errors
- Applicable to every borrower
- Suitable for every loan scenario
We may update or change information at any time without notice.
5. Third-Party Services & Links
LoiNow may link to third-party platforms such as:
- Appraisal vendors
- Title and escrow companies
- Insurance tools
- Analytics providers
LoiNow is not responsible for:
- Third-party content
- Security practices
- Delays or errors caused by third parties
- Accuracy of external information
Users access third-party tools at their own risk.
6. Investment Risks & Forward-Looking Statements
Any discussion of:
- ROI
- ARV projections
- Real estate profits
- Market appreciation
- Construction timelines
are illustrative only and not guaranteed.
Real estate investing involves risk, including:
- Market fluctuations
- Property condition issues
- Permit delays
- Contractor delays
- Increased construction costs
- Environmental issues
Borrowers assume full responsibility for their investment decisions.
7. No Warranty
LoiNow provides the Site “as is” and “as available.”
We disclaim all warranties, express or implied, including:
- Merchantability
- Fitness for a particular purpose
- Non-infringement
- System uptime
- Availability of third-party services
8. Limitation of Liability
To the fullest extent permitted by law, LoiNow is not liable for:
- Losses arising from use of this Site
- Delays or denial of loan approval
- Errors in posted loan information
- Business interruption
- Loss of profits or investment opportunity
- Third-party vendor delays or failures
Your sole remedy is to discontinue using the Site.
9. Contact Information
For questions regarding this Disclaimer:
📧 Loi@LoiNow.com
🌐 https://LoiNow.com
Legal Notice
This Disclaimer is subject to change at any time in order to remain compliant with federal and state laws.