Terms Of Use
Last Updated: January 2025
Welcome to LoiNow.com (“LoiNow,” “Company,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access and use of this website (the “Site”), including all materials, tools, forms, and services provided through it. By using this Site, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and by all applicable federal and state laws.
If you do not agree to these Terms, do not use LoiNow.com.
1. Business-Purpose Lending Only
LoiNow exclusively provides business-purpose and investment-purpose private loans, including bridge loans, fix & flip loans, construction loans, and commercial real estate financing.
We DO NOT offer:
- Consumer-purpose loans
- Personal loans
- Owner-occupied residential loans
- Loans for household or family use
Your use of this Site confirms that any financing inquiry you submit is strictly for business or investment purposes in compliance with:
- Truth in Lending Act (TILA)
- RESIPA exemptions
- SAFE Act business-purpose guidelines
- Dodd-Frank business-purpose exemptions
2. Eligibility
To use this Site you must:
- Be at least 18 years old
- Be legally capable of entering binding agreements
- Provide accurate, complete, and truthful information
- Use the Site in compliance with all applicable laws
3. No Commitment to Lend
Any information, interest rate, program guideline, or Loan Offer/Letter of Intent (“LOI”) displayed or emailed by LoiNow:
Does NOT constitute:
- A commitment to lend
- A binding loan agreement
- Guaranteed approval
- Guaranteed terms
All loans remain subject to full underwriting, including:
- Collateral evaluation
- Market conditions
- Verification of financial information
- Third-party reports (title, insurance, appraisal)
- Compliance review
4. Permitted Use
You may use the Site only for lawful purposes, including:
- Submitting business-purpose loan requests
- Accessing lending information
- Downloading educational materials
- Communicating with LoiNow representatives
You may NOT:
- Interfere with Site security
- Use bots, scrapers, or automated extraction tools
- Upload harmful or malicious code
- Reverse-engineer or duplicate content
- Misrepresent your identity or loan purpose
5. Intellectual Property Rights
All content on LoiNow.com, including text, graphics, logos, software, and data, is protected under:
- U.S. Copyright Law
- U.S. Trademark Law
- International IP treaties
You may NOT copy, reproduce, distribute, or modify any materials without written permission from LoiNow.
6. Third-Party Links
LoiNow may include links to third-party tools or partners. We are not responsible for:
- Content on external websites
- Accuracy of third-party information
- Security of third-party platforms
Use third-party resources at your own risk.
7. Disclaimer of Warranties
The Site is provided “AS IS” and “AS AVAILABLE.”
LoiNow does NOT guarantee:
- Uninterrupted access
- Error-free functionality
- Accuracy of Site content
- Loan approval or credit decisions
To the fullest extent permitted by law, we disclaim all warranties, express or implied.
8. Limitation of Liability
To the maximum extent legally permitted, LoiNow is NOT liable for:
- Damages arising from Site use
- Losses resulting from decisions made using Site information
- Business interruption or data loss
- Third-party delays or errors
Your exclusive remedy is to discontinue use of LoiNow.com.
9. Indemnification
You agree to defend, indemnify, and hold harmless LoiNow from all claims, damages, losses, liabilities, and expenses arising from:
- Your use of the Site
- Your violation of these Terms
- Your submission of inaccurate information
10. Governing Law
These Terms are governed by:
- U.S. Federal Laws
- Applicable State Laws (based on lending jurisdictions selected by LoiNow)
Venue for disputes shall be in the appropriate courts of LoiNow’s primary operating state.
11. Modifications to Terms
LoiNow may update, modify, or revise these Terms at any time.
Changes become effective immediately upon posting.
Continued use of the Site indicates acceptance of updated Terms.
12. Contact Information
For questions regarding these Terms:
📧 Loi@loinow.com
🌐 https://LoiNow.com
Legal Disclaimer
Nothing on LoiNow.com constitutes legal, financial, or tax advice. All lending products are subject to change without notice and remain subject to full underwriting approval.