Terms of Service

1. Acceptance of Terms

By using the Hard Money Loans of Miami website and services, you agree to these Terms of Service. If you do not agree, please discontinue use of the site.

2. Services Description

We provide hard money lending services for real estate investments, including bridge, fix-and-flip, commercial, and rental financing, subject to underwriting and property collateral.

3. Eligibility

• You must be at least 18 years old.
• You must provide accurate and complete information.
• You must meet underwriting, legal, and collateral requirements.

4. Loan Terms and Approval

All financing is subject to final underwriting, valuation, title review, and legal documentation. Preliminary terms are non-binding until definitive loan documents are executed.

5. Borrower Responsibilities

Borrowers are responsible for timely payments, compliance with loan documents, accurate disclosures, and adherence to project budgets and timelines when applicable.

6. Prepayment and Extensions

Prepayment and extension rights vary by program and executed documents. Fees, minimum interest, or extension conditions may apply.

7. Default and Remedies

Failure to comply with terms may constitute default. We retain all remedies under applicable law and loan documentation, including foreclosure rights where permitted.

8. Intellectual Property

Site content, branding, and materials are protected by intellectual property laws and may not be copied or reused without written authorization.

9. Disclaimer of Warranties

The site is provided "as is" without warranties of any kind, express or implied, including uninterrupted access or error-free functionality.

10. Limitation of Liability

To the fullest extent allowed by law, Hard Money Loans of Miami is not liable for indirect, consequential, special, or punitive damages arising from site use or service access.

11. Governing Law

These terms are governed by Florida law. Venue for disputes is Miami-Dade County, Florida, unless otherwise required by law or contract.

12. Modifications

We may update these terms from time to time. Continued use of the site after posting constitutes acceptance of the revised terms.