Terms Of Service

Terms Of Service

Last Updated: January 2025

These Terms of Service (“Terms”) govern your access to and use of LoiNow.com and all services offered by LoiNow (“LoiNow,” “we,” “us,” “our”). By accessing or using our website or submitting a loan inquiry, you agree to these Terms.

If you do not agree with these Terms, you must stop using the website immediately.

These Terms operate alongside other legal documents on the Site, including:

• Terms of Use
• Privacy Policy
• Electronic Consent Agreement
• Advertising Disclosures
• Cookie Policy
• Accessibility Statement

1. Business-Purpose Lending Only

LoiNow provides commercial and investment-purpose financing only, including:

• Fix and Flip Loans
• Bridge Loans
• Ground-Up Construction Loans
• Commercial Real Estate Loans
• DSCR-Style Investment Loan Requests (non-consumer)

LoiNow DOES NOT provide:

❌ Consumer mortgages
❌ Personal loans
❌ Owner-occupied primary residence loans
❌ Household/consumer-purpose financing

Borrowers must certify business-purpose intent in compliance with:

• TILA business-purpose exemptions
• SAFE Act business-purpose exclusions
• Dodd-Frank commercial lending guidelines

2. No Guarantee of Approval

All loans remain subject to complete underwriting, including review of:

• Borrower qualifications
• Collateral property information
• Market conditions
• Third-party reports (title, appraisal, insurance)
• Fraud and compliance checks

LoiNow may decline or modify any loan request at its sole discretion.

Submitted loan inquiries, emails, or calls do not constitute approval.

3. Non-Binding Loan Terms

Any:

• Rate
• Term
• Leverage (LTV/LTC/ARV %)
• Loan Estimate
• Letter of Intent (“LOI”)
• Verbal indication

is not a commitment to lend.

Binding terms require execution of final loan documents after underwriting approval.

4. Accuracy of Information Provided by You

You agree to:

• Provide accurate, truthful, and complete information
• Avoid submitting fraudulent or misleading documents
• Notify LoiNow of changes to your financial or property information

Providing inaccurate information may delay or void your loan request.

5. Use of the Site and Services

You may not use LoiNow.com for:

• Illegal conduct
• Misrepresentation of loan purpose
• Data scraping or automated extraction
• Manipulation of security systems
• Uploading malicious files or harmful code

LoiNow reserves the right to restrict or terminate access without notice.

6. Third-Party Vendors

Loan processing may involve third-party vendors such as:

• Appraisers
• Title/escrow companies
• Credit/background check providers
• Underwriting partners
• Secure document platforms

LoiNow is not responsible for:

• Third-party delays
• Errors
• System outages
• Performance issues

Borrowers must comply with third-party requirements.

7. Communications and Consent

By submitting a loan request, you consent to receive communications via:

• Email
• Phone
• SMS (informational only)
• Digital documents
• Electronic signatures (E-SIGN compliant)

See the Electronic Consent Agreement for full details.

8. Intellectual Property Rights

All content on LoiNow.com, including:

• Text
• Logos
• Graphics
• Software
• PDFs
• Data

is protected under U.S. copyright and trademark law.

You may not copy, distribute, or reuse content without written authorization.

9. Disclaimers

LoiNow provides all information “as is” and “as available”, including:

• Rates
• Loan programs
• Third-party data
• Financial content

We make no guarantees as to:

• Accuracy
• Reliability
• Availability
• Suitability for any specific investment

This is not legal, tax, or financial advice.

10. Limitation of Liability

To the fullest extent permitted by law, LoiNow is not liable for:

• Losses arising from loan denials
• Delays in underwriting
• Website outages or errors
• Loss of profits or business opportunities
• Reliance on advertising, examples, or sample projections

Your sole remedy is to discontinue using the Site.

11. Indemnification

You agree to indemnify and hold harmless LoiNow from claims, losses, damages, or liabilities resulting from:

• Your use of the Site
• Your breach of these Terms
• Misrepresentations in your loan request

12. Governing Law

These Terms are governed by:

• United States federal law, and
• Applicable state law in the jurisdiction where LoiNow operates or originates loans

Any disputes will be resolved in the courts of the governing state.

13. Changes to These Terms

We may revise these Terms as needed for:

• Legal compliance
• Policy updates
• Operational improvements

Revisions become effective immediately upon posting.

Continued use of the Site constitutes acceptance.

14. Contact Information

For questions about these Terms:

📧 Loi@LoiNow.com
🌐 https://LoiNow.com

Legal Disclaimer

This page is for informational purposes only and does not constitute legal or financial advice. Laws and regulations may change over time.