Terms of Service

1. Acceptance of Terms

By accessing and using the Mound City Lending website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

We reserve the right to modify these terms at any time. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

2. Services Description

Mound City Lending provides hard money lending services for real estate investors, including but not limited to:

• Fix-and-flip financing
• Rental property loans
• Construction financing
• Bridge loans

All loan applications are subject to approval. We reserve the right to deny any application at our sole discretion.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. User Accounts

When you create an account with us, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

We reserve the right to suspend or terminate accounts that violate these terms.

5. Loan Application Process

Application Submission

By submitting a loan application, you authorize us to:

• Verify the information you provide
• Obtain credit reports and background checks
• Contact third parties for verification purposes
• Order property appraisals and inspections

No Guarantee of Approval

Submission of an application does not guarantee loan approval. All applications are subject to underwriting review and approval criteria.

Application Fees

Certain fees may be required during the application process, including appraisal fees and processing fees. These fees are typically non-refundable.

6. Loan Terms and Conditions

If your loan is approved, the specific terms will be outlined in your loan agreement, including:

• Loan amount and interest rate
• Repayment schedule and term length
• Fees and closing costs
• Prepayment terms and penalties (if applicable)
• Default and foreclosure provisions

You agree to carefully review and understand all loan documents before signing.

7. Prohibited Uses

You may not use our website or services to:

• Violate any applicable laws or regulations
• Provide false, misleading, or fraudulent information
• Impersonate another person or entity
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our website
• Scrape, harvest, or collect user information

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Mound City Lending or its licensors and is protected by copyright and trademark laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

9. Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied.

We do not guarantee:

• Uninterrupted or error-free service
• Accuracy or completeness of information
• Specific investment returns or outcomes
• Suitability for your particular needs

10. Limitation of Liability

To the maximum extent permitted by law, Mound City Lending shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Our total liability shall not exceed the amount of fees you paid to us in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Mound City Lending, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law provisions.

13. Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

You waive your right to participate in class action lawsuits or class-wide arbitration.

14. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Information

For questions about these Terms of Service, please contact us: