Disclaimer

Last Updated: 03/27/2025

Please read this disclaimer carefully

This disclaimer (the “Disclaimer”) is provided by Finley Capital LLC (the “Company,” “we”, “us,” or “our”), and applies to the website located at www.lendprivate.us and any other affiliated websites or mobile applications (collectively, the “Site”), all content, services, features and products offered through the Site, and the #LENDFAM membership program.

By accessing or using the Site, you acknowledge that you have read, understood and agree to be bound by this Disclaimer. If you do not agree with any part of this Disclaimer, you must not access or use the Site.

1. For Informational Purposes Only

1.1 Not Professional Advice

The information provided on the Site, through the #LENDFAM program, or in any communications or materials from us is for general informational and educational purposes only. It does not constitute and should not be construed as:

Legal advice
Financial advice
Investment advice
Tax advice
Accounting advice
Real estate advice
Business advice
Or any other professional advice or service

You should consult with qualified professionals in these areas before making any decisions related to your private lending business or activities.

1.2 No Attorney-Client Relationship

No attorney-client, advisory, fiduciary, or other relationship is created by your access to or use of the Site or participation in the #LENDFAM program. The information provided does not replace the advice or representation of a qualified attorney or other professional.

1.3 Not a Substitute for Professional Judgement

The information and materials provided through the Site and the #LENDFAM program are not a substitute for independent research and professional judgment. Laws, regulations, best practices, and market conditions vary by jurisdiction and change over time. You are responsible for verifying the accuracy, currency, and applicability of any information to your specific situation.

2. Business and Financial Risks

2.1 No Guarantee of Results

We do not guarantee any specific results, returns on investment, income, or business success from using the information, content, tools, resources, or services provided through the Site or the #LENDFAM program. Any examples, case studies, testimonials, or financial figures presented on the Site represent specific experiences that may not apply to the average user and are not intended to guarantee, promise, represent, or warrant that you will achieve the same or similar results.

2.2 High-Risk Activities

Private money lending and real estate investment activities involve significant financial risks, including but not limited to:

Borrower default
Property devaluation
Market fluctuations
Regulatory changes
Competition
Economic downturns
Title and property issues
Foreclosure and enforcement costs
Liability risks
Liquidity challenges

You should carefully evaluate these risks in light of your own financial situation, risk tolerance, and investment objectives before engaging in private lending activities.

2.3 Individual Results May Vary

Results from private lending activities can vary substantially based on numerous factors outside our control, including but not limited to:

Changes in laws and regulations
Your individual skills, knowledge and experience
Your diligence in implementing strategies
Local market conditions
The quality of your borrowers
Your ability to assess property values
Economic conditions

2.4 No Investment Recommendations

Nothing on the Site or in the #LENDFAM program constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, financial instrument, investment, or lending opportunity. We do not make recommendations regarding specific lending decisions, investment strategies, or borrowers.

3. Regulatory and Legal Compliance

3.1 No Regulatory Oversight

The Company is not a registered investment adviser, broker-dealer, bank, or credit union and is not licensed by any governmental financial regulatory authority. The #LENDFAM membership program is an educational and networking service and does not provide licensed financial services.

3.2 Responsibility for Legal Compliance

Private lending activities are subject to various federal, state and local laws and regulations, including but not limited to:

Banking and finance laws
Securities laws
Usury laws
Truth in lending practices
Fair debt collection practices
Real estate laws
Tax laws
Anti-money laundering regulations
Consumer protection laws

You are solely responsible for ensuring that your private lending activities comply with all applicable laws and regulations in your jurisdiction. We strongly recommend consulting with qualified legal counsel to understand your legal obligations and compliance requirements.

3.3 Licensing Requirements

Many jurisdictions require specific licenses to engage in lending activities. You are solely responsible for determining what licenses may be required for your activities and for obtaining such licenses. The information provided through the Site or the #LENDFAM program does not address specific licensing requirements, which vary by jurisdiction.

4. Accuracy and Currency of Information

4.1 No Warranty of Accuracy

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, reliability, or currency of any content on the Site or provided through the #LENDFAM program. Information may contain typographical errors, inaccuracies, or outdated material.

4.2 Changes in Laws and Regulations

Laws, regulations, market conditions, and best practices in private lending change frequently. Information that was accurate when published may become outdated or inapplicable over time. You are responsible for verifying the current state of relevant laws and regulations in your jurisdiction.

4.3 Third-Party Content

The Site may include content provided by third parties, including materials from other users, bloggers, and third-party licensors, syndicators, or aggregators. We do not warrant the accuracy or completeness of such third-party content.

5. “First Deal Funded” Program Disclaimer

5.1 No Guaranteed Funding

References to “funding your first deal” or similar statements regarding the availability of capital for your private lending activities are subject to:

Your continued active membership in the #LENDFAM program
Meeting all Company underwriting criteria
Separate written agreement with specific terms
Compliance with all applicable laws and regulations
Company’s approval at its sole discretion

Not all members will qualify for deal funding. The Company may modify or discontinue the “first deal funded” program at any time without notice.