1. Acceptance of Terms
By accessing and using the 2 Lethal Capital website and services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these terms, please do not use this site or our services. These Terms of Service apply to all visitors, users, and others who access or use the Service.
2. Description of Services
2 Lethal Capital provides private money brokering services for real estate investors, connecting them with a network of lenders who offer DSCR loans, bridge loans, and other investment property financing solutions. Our website provides information about the loan programs we offer access to, online application tools, educational resources, and account management portals for borrowers.
3. Eligibility and Age Restriction
To use our services, you must be at least 18 years of age and have the legal capacity to enter into binding contracts. By using our services, including our SMS/text messaging program, you represent and warrant that you are at least 18 years old and meet these eligibility requirements. The loan programs we connect you with are available only for investment properties and are not available for owner-occupied primary residences. Users under the age of 18 are strictly prohibited from using our website, services, and SMS messaging program.
4. User Accounts
When you create an account with us, you must provide accurate, complete, and current information. You are responsible for safeguarding the password you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party and to notify us immediately of any unauthorized use of your account.
5. SMS/Text Messaging Terms
By opting in to receive SMS/text messages from 2 Lethal Capital, you agree to the following terms:
5.1 SMS Use Cases
2 Lethal Capital may send you the following types of SMS/text messages:
- Appointment confirmations and reminders: Confirming scheduled appointments and sending reminders before your appointment
- Follow-up messages: Messages related to your loan application status, document requests, or account updates
- Promotional messages (if opted in): Special offers, rate updates, new loan programs, discounts, and other marketing content
5.2 Opt-Out Instructions
You may opt out of receiving SMS/text messages at any time by replying STOP to any text message you receive from 2 Lethal Capital. Upon receiving your STOP request, we will send you a single confirmation message to confirm that you have been unsubscribed. After opting out, you will no longer receive any SMS messages from us unless you choose to re-subscribe. Opting out of SMS messages will not affect any other communications you receive from us (such as email).
5.3 Help and Customer Support
For help with our SMS messaging program, you can:
- Reply HELP to any text message for assistance
- Call us at (704) 271-1276
- Email us at [email protected]
- Visit our website at www.2lethalcapital.com/contact
5.4 Message & Data Rate Disclosure
Standard message and data rates may apply to any SMS/text messages sent or received. Message frequency varies based on your interactions with 2 Lethal Capital. Please contact your mobile carrier for details about your text messaging plan and any charges that may apply. 2 Lethal Capital is not responsible for any charges incurred from your mobile carrier.
5.5 Carrier Liability Disclaimer
Mobile carriers (including but not limited to AT&T, Verizon, T-Mobile, and Sprint) are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your mobile carrier and network availability. 2 Lethal Capital makes no guarantee that messages will be delivered and is not responsible for any delays or failures in message delivery caused by your mobile carrier or network conditions.
5.6 Consent Not Required for Purchase
Consent to receive SMS/text messages is not required as a condition of purchasing any goods or services from 2 Lethal Capital. You may opt out at any time and continue to use our website and brokerage services.
6. Loan Applications and Commitments
Submitting a loan application through our website does not guarantee loan approval or funding. All loan applications are subject to the underwriting guidelines of the specific lender, property appraisal, title review, and other due diligence processes. Rate quotes and pre-qualification letters are estimates only and are subject to change based on verification of information provided, property evaluation, and market conditions.
A binding loan commitment is only established upon execution of a formal loan commitment letter from the lender. Lenders reserve the right to modify or withdraw any loan offer prior to funding if there are material changes in the borrower's circumstances, property condition, or market conditions.
7. Information Accuracy
You agree to provide accurate, current, and complete information in all loan applications and communications with 2 Lethal Capital. Providing false, misleading, or incomplete information may result in denial of your application, loan default, or legal action. We rely on the information you provide to connect you with appropriate lenders.
8. Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of 2 Lethal Capital and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without prior written consent.
9. Prohibited Uses
You agree not to use the Service:
- For any unlawful purpose or to solicit others to perform unlawful acts
- To violate any international, federal, state, or local regulations or laws
- To infringe upon or violate our intellectual property rights or those of others
- To harass, abuse, insult, harm, defame, or discriminate
- To submit false or misleading information
- To upload or transmit viruses or malicious code
- To interfere with or circumvent security features of the Service
10. Privacy Policy
Your use of our Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information, including information collected through our SMS messaging program. Please review our Privacy Policy for full details on our data practices.
11. Disclaimer of Warranties
The Service is provided on an "AS IS" and "AS AVAILABLE" basis. 2 Lethal Capital makes no warranties, expressed or implied, regarding the operation of the Service or the information, content, or materials included therein. To the full extent permissible by applicable law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.
12. Limitation of Liability
In no event shall 2 Lethal Capital, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.
13. Indemnification
You agree to defend, indemnify, and hold harmless 2 Lethal Capital and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from your use of and access to the Service, or your violation of these Terms.
14. Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
15. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
16. Contact Us
If you have any questions about these Terms, please contact us at:
2 Lethal Capital
Email: [email protected]
Phone: (704) 271-1276
Website: www.2lethalcapital.com