Clear terms for using our website.

Agreement and eligibility

These Terms form an agreement between you and Lending Buddy LLC (“Lending Buddy,” “we,” “us,” or “our”). You may use the website only if you can legally enter into this agreement and will comply with applicable law. The website is intended for adults and is not directed to children under 18.

Informational purpose

This website provides general information about Lending Buddy, mortgage products, home financing, and related topics. Content is educational and does not constitute legal, tax, financial, accounting, real estate, or investment advice. You should consult qualified professionals regarding your circumstances.

No offer or commitment to lend

Nothing on this website is an offer, approval, preapproval, rate lock, guarantee, or commitment to lend or extend credit. Submitting a website inquiry does not create a lender-borrower relationship and is not a mortgage application. Loan programs, interest rates, annual percentage rates, fees, terms, eligibility, credit requirements, property requirements, underwriting guidelines, investor availability, and geographic availability may change without notice.

All mortgage loans are subject to a completed application, verification, documentation, credit and property approval, underwriting, applicable law, and final loan documents. Additional restrictions may apply. Mortgage loans may be arranged through third-party providers.

Rates, estimates and calculators

Any rate, payment, savings, affordability, cash-to-close, or other example is illustrative only unless expressly provided in a formal disclosure. Calculators may rely on assumptions and may omit mortgage insurance, property taxes, homeowners insurance, flood insurance, association dues, closing costs, prepaid items, escrow adjustments, rate adjustments, and other charges. Results are not a quote, approval, disclosure, or guarantee of available terms.

Applications and secure information

The website quick-contact form is designed for basic contact and inquiry information only. Do not submit Social Security numbers, dates of birth, bank account information, passwords, tax returns, bank statements, government identification, or other sensitive documents through the quick form or ordinary email. Use the secure application portal or another secure method authorized by your loan team.

You agree that information you submit will be accurate, current, and complete to the best of your knowledge. Providing false, misleading, unauthorized, or fraudulent information is prohibited. We may decline, suspend, or terminate an inquiry or application where permitted by law.

Third-party products and providers

Certain products, services, technology, or transaction functions may be provided by independent third parties. A third-party provider—not Lending Buddy—may determine product availability, eligibility, terms, approval, funding, servicing, and other conditions for its services. This includes any future personal-loan access identified on the website. A link, referral, or introduction does not guarantee approval or imply that every third-party product is available in every jurisdiction.

SMS terms

When you check the SMS consent box, you agree to receive SMS messages from Lending Buddy LLC at the telephone number you provide for important notifications about our services, updates on upcoming meetings, and replies from your representative. Message frequency may vary. Message and data rates may apply. Reply STOP to cancel or HELP for assistance.

• Your mobile carrier is not responsible for delayed or undelivered messages.
• You are responsible for providing a telephone number you control and for updating us if it changes.
• Consent and opt-out records may be retained for compliance purposes.
• Opting out of text messages does not prevent communications through another channel where permitted.

Our handling of mobile information is described in the SMS and mobile information section of our Privacy Policy.

Acceptable use

You may use the website only for lawful informational and business purposes. You may not:

• Violate a law, regulation, court order, or another person’s rights.
• Misrepresent your identity, authority, eligibility, financial information, or the purpose of an inquiry.
• Attempt unauthorized access to the website, accounts, systems, databases, or networks.
• Introduce malware, harmful code, automated attacks, excessive requests, or security vulnerabilities.
• Scrape, harvest, copy, frame, mirror, reverse engineer, or systematically extract website content or data without written permission.
• Use the website to send spam, impersonate Lending Buddy, commit fraud, or interfere with another person’s use.

We may restrict or block activity that we reasonably believe threatens the website, our systems, our customers, or compliance obligations.

Intellectual property

The Lending Buddy name, logos, wordmarks, website design, software, copy, graphics, photographs, videos, downloads, and other original content are owned by or licensed to Lending Buddy and may be protected by trademark, copyright, and other laws. We grant you a limited, revocable, nonexclusive, nontransferable right to access the website for lawful personal or internal business use. No ownership or other license is transferred.

External links

This website may link to the secure application portal, NMLS Consumer Access, maps, service providers, educational resources, or other third-party websites. We do not control third-party services and do not guarantee their availability, accuracy, security, content, privacy practices, or performance. Your use of a third-party service is governed by its own agreements and policies.

Disclaimers

To the fullest extent permitted by law, the website is provided “as is” and “as available.” Lending Buddy disclaims warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, availability, and security, except where a warranty cannot legally be excluded. We do not guarantee that the website will be uninterrupted, error-free, current, free of harmful components, or suitable for your intended purpose.

Nothing in these Terms limits rights or obligations that cannot legally be waived, including rights arising under applicable consumer-finance laws.

Limitation of liability

To the fullest extent permitted by law, Lending Buddy and its owners, officers, employees, representatives, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; lost profits, revenue, data, or opportunities; or damages arising from reliance on general website content, inability to access the website, or third-party services. This limitation does not apply where prohibited by law.

Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Lending Buddy and its owners, officers, employees, and representatives from claims, liabilities, losses, and reasonable costs arising from your unlawful misuse of the website, violation of these Terms, fraud, infringement of another person’s rights, or information you submit without authorization. This section does not require indemnification for conduct that cannot legally be shifted to you.

Governing law and disputes

Except where federal law applies or applicable consumer law requires otherwise, these Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any dispute relating solely to website use will be brought in a court of competent jurisdiction, subject to any nonwaivable rights or venue rules. These Terms do not alter dispute provisions contained in a separate agreement governing a financial product or service.

General terms

If a provision of these Terms is found unenforceable, it will be limited or removed to the minimum extent necessary, and the remaining provisions will continue. Our failure to enforce a provision is not a waiver. You may not assign your rights under these Terms without our written consent. Headings are for convenience only. These Terms, together with incorporated policies, constitute the agreement governing general use of this website and do not replace transaction-specific agreements or disclosures.

Changes and contact

We may revise these Terms by posting an updated version and date. Continued use after an update means you accept the revised Terms to the extent permitted by law. We may modify, suspend, or discontinue website features without notice, subject to applicable law.