Terms of Use

These Terms of Use ("Terms") form a binding agreement between you and The Local Loan Store^™ ("we," "us," or "our"), a community lender serving urban and rural markets. By accessing or using our website, online calculators, or inquiry forms (collectively, the "Site"), you agree to these Terms and our Privacy Policy and E-Sign Consent. If you do not agree, do not use the Site.

You must be at least 18 years old, a U.S. resident, and able to form a binding contract under applicable law. The Site is intended for use in jurisdictions where we are licensed or otherwise authorized to lend.

The Local Loan Store^™ specializes in commercial real estate, investor (non-owner-occupied) residential, and secured & unsecured business working-capital financing. We do not originate, broker, or service:

• Personal loans (consumer installment loans, credit-card consolidation, signature loans, payday or auto loans, or any other consumer-purpose unsecured credit); or
• Owner-occupied residential mortgages (any 1–4 unit primary residence the borrower will occupy, including purchase, refinance, cash-out, HELOC, or reverse mortgage on an owner-occupied home).

If your scenario falls outside our scope, we will — with your permission — refer your inquiry to a trusted partner who is licensed and ready to help. We are not responsible for, and make no warranty regarding, the products, pricing, underwriting decisions, conduct, or service of any referred third party. Any loan you obtain from a referred partner is solely between you and that partner. By submitting an inquiry, you consent to us sharing the information you provide with an appropriate referral partner when your request is outside our offered programs.

Information on the Site, including loan-program descriptions, calculator outputs, indicative rates, and pre-qualification responses, is provided for informational purposes only. It does not constitute an offer, commitment, approval, lock, or guarantee of credit. All loans are subject to underwriting, verification, appraisal, title review, insurance, and final lender approval, and may vary based on property type, location (urban or rural), occupancy, credit, and program guidelines.

Our commercial real estate calculator, payment estimators, and similar tools are illustrative only. Actual rates, payments, escrows, fees, DSCR, LTV, and qualification depend on many factors and may differ materially. We make no representation that any result is accurate, complete, or suitable for your situation. Do not rely on calculator output as financial, legal, tax, or investment advice; consult a qualified professional.

The Local Loan Store^™ is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), receipt of public assistance, the good-faith exercise of rights under the Consumer Credit Protection Act, familial status, disability, or any other protected characteristic. We lend in urban census tracts and rural communities alike.

You may use the Site only for lawful, personal, or legitimate business purposes related to inquiring about, applying for, or servicing a loan. You agree not to:

• Submit false, misleading, or fraudulent information;
• Impersonate another person or misrepresent your affiliation;
• Reverse engineer, scrape, mirror, or copy the Site or its content;
• Introduce viruses, malware, or other harmful code;
• Attempt to gain unauthorized access to any part of the Site or our systems;
• Use the Site to violate any law or third-party right.

The Site and all content, trademarks, logos, illustrations, calculators, and software are owned by The Local Loan Store or its licensors and are protected by U.S. and international intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to view and use the Site for the purposes above. All other rights are reserved.

If you send us suggestions, ideas, or feedback, you grant us a perpetual, irrevocable, royalty-free, worldwide license to use them without restriction or compensation.

The Site may contain links to third-party sites or content that we do not control. We provide them for convenience only and are not responsible for their accuracy, availability, terms, or privacy practices.

THE SITE AND ALL CONTENT, TOOLS, AND CALCULATORS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION. WE DO NOT WARRANT THAT THE SITE WILL BE SECURE, ERROR-FREE, OR FREE OF VIRUSES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE LOCAL LOAN STORE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, IN WHICH CASE THEY APPLY TO THE FULLEST EXTENT PERMITTED.

You agree to indemnify, defend, and hold harmless The Local Loan Store^™ and its affiliates from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any law or third-party right.

These Terms are governed by the laws of the state in which our principal place of business is located, without regard to conflict-of-law rules. Subject to Section 14, you and we agree to the exclusive jurisdiction of the state and federal courts located in that state.

Please read carefully — this section affects your legal rights. Except for small-claims actions and disputes about intellectual property, any dispute arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will be conducted in English in the county of our principal office or, at your election, by telephone or videoconference. YOU AND WE WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@locallloan.example with your name and a clear opt-out statement.

We may update these Terms at any time. Material changes will be posted on this page with a new "Last updated" date. Your continued use of the Site after changes take effect constitutes acceptance.

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including suspected violation of these Terms. Sections that by their nature should survive termination will survive.

These Terms, together with our Privacy Policy and E-Sign Consent, are the entire agreement between you and us regarding the Site. If any provision is unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to an affiliate or successor.

The Local Loan Store^™ — Legal Department
Email: legal@locallloan.example
Phone: (817) 721-4030
Serving urban and rural communities. NMLS #000000. Equal Housing Lender.