Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the website, content, and services provided by National Private Lending ("NPL," "we," "us," or "our"), including financing inquiries and SMS/text message communications. By accessing our website, submitting a form, or opting in to receive messages from us, you agree to be bound by these Terms.

2. Nature of Services

National Private Lending provides direct private money financing for residential investment properties, including rental loans, fix & flip loans, bridge loans, multifamily loans, portfolio loans, and new construction financing. Submitting an inquiry does not constitute a loan application, commitment to lend, or guarantee of approval. All financing is subject to underwriting, documentation, lender approval, and applicable law.

3. Eligibility

You must be at least 18 years old and legally able to enter into a binding contract to use our services. By using our website or SMS program, you represent that you meet these requirements and that any information you provide is accurate and complete.

4. SMS / Text Message Terms (A2P 10DLC)

By providing your mobile number and opting in, you agree to receive SMS/text messages from National Private Lending regarding your loan inquiry, application status, document requests, appointments, and account updates.

• Program description: Account, transactional, and conversational messages from National Private Lending relating to your financing request.
• Frequency: Message frequency varies based on your engagement with us.
• Message & data rates: Message and data rates may apply per your wireless carrier.
• HELP: Reply HELP to any message for assistance, or call 800-805-8209.
• STOP: Reply STOP at any time to unsubscribe from further messages.
• No resale of opt-in: We do not sell or share your mobile number or SMS opt-in with third parties for their marketing purposes.
• Carriers: Wireless carriers are not liable for delayed or undelivered messages.

Consent to receive SMS messages is not a condition of any purchase, loan approval, or service. See our Privacy Policy for additional details on how we handle SMS data.

5. Acceptable Use

You agree not to:

• Submit false, misleading, or fraudulent information, including identity, income, or property data.
• Use the website or SMS program to harass, defame, or harm any person or entity.
• Reverse engineer, scrape, or attempt to gain unauthorized access to any part of our systems.
• Use the services in violation of any applicable law or regulation, including TCPA, CAN-SPAM, and state lending laws.

6. Intellectual Property

All content on this website, including logos, text, graphics, and trademarks, is owned by National Private Lending or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Disclaimers

The website and our communications are provided on an "as-is" and "as-available" basis. To the fullest extent permitted by law, National Private Lending disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. Information on this site is for general purposes only and does not constitute legal, tax, financial, or investment advice.

8. Limitation of Liability

To the fullest extent permitted by law, National Private Lending and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill arising out of or relating to your use of the website, SMS program, or financing inquiries.

9. Indemnification

You agree to indemnify and hold harmless National Private Lending and its representatives from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the services, breach of these Terms, or violation of any law or third-party right.

10. Governing Law

These Terms are governed by the laws of the State in which National Private Lending maintains its principal office, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms will be resolved in the state or federal courts located in that jurisdiction, and you consent to personal jurisdiction and venue there.

11. Changes to These Terms

We may modify these Terms from time to time. The "Last updated" date reflects the most recent revision. Continued use of the website or SMS program after changes take effect constitutes acceptance of the updated Terms.

12. Contact

Questions about these Terms? Contact:
National Private Lending
Phone: 800-805-8209
Web: nationalprivatelending.com