Terms of Service — Lending Genie

1. Acceptance of Terms

By accessing or using the Lending Genie website ("Site") or services, you agree to be bound by these Terms of Service. If you do not agree, do not use the Site.

2. Services

Lending Genie provides loan inquiry, matching, and origination support for real estate investors. Submitting an inquiry does not constitute a loan application, approval, or commitment to lend. All loans are subject to credit, income, property, and underwriting approval.

3. Eligibility

You must be at least 18 years old and legally able to enter into binding contracts to use this Site.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting any form. Knowingly providing false information may be a violation of state and federal law.

5. SMS / Text Messaging Program Terms

By opting in, you consent to receive SMS and/or MMS messages from Lending Genie.

Program description: Transactional updates regarding your loan inquiry and marketing messages about loan programs and offers.
Message frequency: Varies based on your activity and inquiry.
Cost: Message and data rates may apply per your wireless carrier.
Opt-out: Reply STOP to any message to unsubscribe.
Help: Reply HELP for support, or contact us at the details below.
Supported carriers: All major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, US Cellular, and others. Carriers are not liable for delayed or undelivered messages.
Privacy: Your information is handled per our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

6. Intellectual Property

All content on the Site — including text, graphics, logos, and software — is the property of Lending Genie or its licensors and is protected by intellectual property laws.

7. Disclaimers

The Site and services are provided "as is" without warranties of any kind. Loan terms, rates, and program availability are subject to change without notice. Nothing on this Site constitutes financial, legal, or tax advice.

8. Limitation of Liability

To the fullest extent permitted by law, Lending Genie shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or services.

9. Indemnification

You agree to indemnify and hold Lending Genie harmless from any claims arising from your use of the Site or violation of these Terms.

10. Governing Law

These Terms are governed by the laws of the state of [State], without regard to conflict-of-laws principles.

11. Changes to Terms

We may update these Terms at any time. Continued use of the Site after changes constitutes acceptance of the revised Terms.

12. Contact

Lending Genie
[Company Address]
Phone: (000) 000-0000
Email: support@lendinggenie.com