SpeedLending

Website: www.speedlending.com

1. Introduction

Welcome to SpeedLending. These Terms and Conditions of Use ("Terms") govern your access to and use of www.speedlending.com (the "Site"), operated under the SpeedLending brand (referred to in these Terms as "SpeedLending," "we," "us," or "our").

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree with these Terms, you should discontinue use of the Site.

You must be at least 18 years old to use this Site.

2. Privacy and Cookies

Your use of the Site is also subject to our Privacy Policy.

The Site may use cookies and similar technologies to support website functionality, analyze traffic, and improve user experience.

For additional information about our collection and use of personal information, please review our Privacy Policy.

3. Intellectual Property and Website License

Unless otherwise stated, SpeedLending or its licensors own the intellectual property rights in the Site and its content, including text, graphics, logos, designs, documents, reports, and other materials.

You may view, download, and print materials from the Site for your personal, noncommercial use, subject to these Terms.

Without prior written authorization, you may not:

Republish or redistribute Site materials.

Sell, rent, or sublicense Site content.

Reproduce or exploit Site materials for commercial purposes.

Modify or create derivative works from Site materials.

Use SpeedLending's name, trademarks, or branding without authorization.

Materials expressly designated for download or sharing may be used in accordance with any accompanying permissions.

4. Acceptable Use

You agree to use the Site only for lawful purposes.

You may not:

Interfere with the operation, security, or accessibility of the Site.

Introduce malicious software, viruses, or harmful code.

Attempt unauthorized access to any system or restricted area.

Conduct unauthorized automated data collection, scraping, or harvesting.

Use the Site to transmit unsolicited commercial communications.

Engage in fraudulent, misleading, or otherwise unlawful activity.

SpeedLending reserves the right to restrict access to users who violate these Terms.

5. Restricted Access and Account Security

Certain areas or services on the Site may require registration or authorized access.

If you receive login credentials, you are responsible for maintaining their confidentiality and for activities conducted through your account.

SpeedLending may suspend or terminate access when reasonably necessary to protect the Site, its users, or its operations.

6. User-Submitted Information

You may submit information through contact forms, financing inquiries, applications, document uploads, or other features available on the Site.

You represent that information you submit is accurate to the best of your knowledge and that you have the right to provide it.

You agree not to submit material that:

Violates applicable laws.

Infringes the rights of third parties.

Contains malicious code.

Is fraudulent, misleading, or otherwise unlawful.

You grant SpeedLending permission to use submitted information as reasonably necessary to respond to inquiries, evaluate financing requests, provide requested services, and administer its business, subject to applicable law and our Privacy Policy.

SpeedLending may remove inappropriate or unlawful submissions.

7. Financing Information and Disclaimers

SpeedLending provides information regarding financing solutions for residential real estate investors, including fix-and-flip loans, rental property financing, and construction financing.

Information published on the Site is provided for general informational purposes and does not constitute a binding loan commitment, financing approval, or guarantee of loan terms.

All financing is subject to applicable underwriting requirements, property evaluation, borrower qualifications, documentation, and final approval.

Interest rates, fees, loan amounts, leverage limits, and other financing terms may change without notice.

Submission of an inquiry or application does not guarantee financing.

Nothing on this Site constitutes legal, tax, accounting, or investment advice.

Users should consult qualified professionals regarding their individual circumstances.

8. Third-Party Services and Independent Providers

Certain services promoted, referenced, or made available through www.speedlending.com may be performed by independent third-party providers.

These services may include, without limitation:

On-site property estimates.

Renovation and repair assessments.

Contractor visits.

Flat-fee real estate listing services.

Property inspections.

Other real estate investor support services.

Unless expressly stated otherwise, these providers are independent businesses and are not employees, agents, or representatives of SpeedLending.

SpeedLending may act as a facilitator, referral source, or connector between users and independent service providers.

By engaging a third-party provider, you acknowledge that:

The provider is independently responsible for performing its services.

SpeedLending does not directly supervise or control the provider's work.

SpeedLending does not guarantee the quality, timing, legality, suitability, or performance of third-party services.

Any service agreement is between you and the independent provider unless expressly stated otherwise.

Disputes regarding third-party services should be addressed directly with the provider.

To the extent permitted by applicable law, SpeedLending disclaims responsibility for losses or damages arising from the acts or omissions of independent third-party providers.

SpeedLending may modify or discontinue third-party service offerings at any time.

9. No Warranties

The Site and its contents are provided on an "as is" and "as available" basis.

To the extent permitted by applicable law, SpeedLending makes no express or implied warranties regarding:

Continuous or uninterrupted Site availability.

Accuracy or completeness of Site information.

Suitability of Site content for a particular purpose.

Freedom from technical errors or interruptions.

SpeedLending makes reasonable efforts to maintain accurate information but does not guarantee that all content is current or error-free.

10. Limitation of Liability

To the maximum extent permitted by applicable law, SpeedLending and its applicable affiliates, officers, employees, and representatives shall not be liable for indirect, incidental, consequential, special, or punitive damages arising from use of the Site.

Such damages may include lost profits, lost business opportunities, lost revenue, loss of data, or business interruption.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

11. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless SpeedLending and its applicable affiliates, officers, employees, and representatives against third-party claims, losses, liabilities, and reasonable expenses arising from:

Your material violation of these Terms.

Your unlawful use of the Site.

Your infringement of another party's legal rights.

12. Enforcement and Termination

SpeedLending reserves the right to take appropriate action in response to violations of these Terms.

Such action may include restricting access, suspending accounts, removing submitted content, or pursuing remedies available under applicable law.

13. Changes to These Terms

SpeedLending may update these Terms periodically.

Updated Terms will be published on this page with a revised effective date.

Your continued use of the Site after revised Terms become effective constitutes acceptance of those Terms, to the extent permitted by applicable law.

14. Assignment

SpeedLending may assign or transfer its rights and obligations under these Terms as permitted by applicable law.

You may not assign your rights or obligations under these Terms without prior written consent.

15. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

16. Entire Agreement

These Terms, together with applicable policies expressly incorporated by reference, constitute the agreement governing your use of the Site.

Separate loan agreements, financing documents, or service agreements may impose additional terms governing specific transactions.

In the event of a conflict regarding a financing transaction, the executed transaction documents will control to the extent applicable.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles.

Subject to applicable law, disputes arising from these Terms shall be brought before courts of competent jurisdiction in Texas.

18. Contact Information

If you have questions regarding these Terms, please contact:

SpeedLending

3334 Richmond Avenue, Suite 210

Houston, TX 77098

Phone: (713) 568-3270

Email: [email protected]

Website: www.speedlending.com

Effective Date: October 20, 2026