This Membership Agreement (“Agreement”) is entered into by and between the undersigned member (“Member”) and Finley Capital (“Company”), regarding participation in the #LENDFAM community (the “Community”) and for access to the membership services (the “Services”) and membership benefits (“the Benefits”).

1. Purpose of Membership
The #LENDFAM Community is a free membership network designed to provide training, support services and tools related to private lending, real estate and related business topics. Those Services include: #LENDSAFE, #LENDDOX, #LENDBOOKS. The Benefits include:  #LENDCOACH, #LENDTOOLS and #LENDCAP. Membership does not create any business, investment, legal, or fiduciary relationship between the Company and Member.

2. Membership Services
#LENDSAFE is an optional third party service offered by Company to Member to process, underwrite and coordinate loan requests on behalf of Member. The fee for this service is $995 per funded loan file which can be charged directly to the borrower at the time of loan funding or paid directly by the Member. 
#LENDDOX  is an optional third party service offered by Company to Member to provide loan documents on behalf of Member. The fee for this service is $850 per funded loan file which can be charged directly to the borrower at the time of loan funding or paid directly by the Member. 
#LENDBOOKS is an optional third party service offered by Company to Member to provide loan servicing services on behalf of Member. The fee for this service is (Loan Amount x 1% divided by 12 months) paid monthly by Member.

3. Membership Benefits
#LENDCOACH is training videos, resources, guides and periodic group training calls. 
#LENDTOOLS are marketing materials, resources, guides, calculators, etc which may be reproduced and white labeled by Member.
#LENDCAP is capital provided by Company to Member to fund a loan in conjunction with Member. Access to capital is not guaranteed by Company and is subject to the availability of funds and subject to the underwriting guidelines and requirements of Company, which may be adjusted from time to time. 

4. Membership Eligibility
Members must affirm they are at least 18 years of age.
Membership is free and may be revoked by the Company at any time, for any reason, without notice.

5. No Financial, Legal or Investment Advice
All information, resources, and discussions within the Community are for educational and informational purposes only
The Company does not provide financial, legal, accounting or investment advice. 
Member is solely responsible for their own business and financial decisions and agrees to consult with appropriate licensed professionals before taking any action.

6. Hold Harmless & Release of Liability
By joining the Community, Member agrees to the following:
To hold harmless, indemnify, and release the Company, its owners, officers, employees, contractors, and affiliates from any and all liability, damages, losses, or claims arising from participation in the Community and/or use of any Tools or Benefits provided by Company.. 
The Company shall not be liable for any direct, indirect, incidental, or consequential damages resulting from reliance on information shared within the Community or from Tools or Benefits provided by the Company.
Member assumes full responsibility for their actions, decisions, and outcomes.

7. Code of Conduct
Members agree to:
Treat others respectfully and professionally.
Not share false, misleading, or unlawful information.
Not solicit illegal or unethical investments.

8. Intellectual Property
All content created by the Company (training, resources, guides, etc.) remains the sole property of the Company.
Member may not reproduce, distribute, or sell Company content without written permission.

9. Term & Termination
Membership is voluntary and may be terminated by the Member at any time.
The Company reserves the right to terminate membership immediately for violations of this Agreement.

10. Governing Law
This agreement shall be governed by and construed in accordance with the laws of the State of Michigan without regard to conflict of law principles.

11. Entire Agreement
This Agreement represents the entire understanding between the Company and Member concerning the Community and supersedes all prior agreements, discussions or understandings.