Terms and Conditions

1. Introduction and Parties

These Terms and Conditions ("Terms") govern your access to and use of the Hard Money Pros website located at www.hardmoneypros.net (the "Website"). The Website is operated by Hard Money Pros, a brand and marketing site for Ryan Davies, used for lead generation, marketing, hard money education, and connecting investors with licensed lending partners and/or private capital, located in the State of Utah. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the Website.

2. Disclaimer and License Disclosures

Hard Money Pros is a brand and marketing site for Ryan Davies. Ryan Davies is a Licensed Real Estate Associate Broker at Eleven11 Real Estate (11136477-AB00) and a Licensed Mortgage Broker with Creative Housing Solutions / Ultimate Home Lending (NMLS#1895732). Consulting and/or real estate services are provided by Ryan Realty Utah, LLC, a Utah limited liability company owned and operated by Ryan Davies. When brokering through lenders that require it, loan origination and related transactions are completed through Creative Housing Solutions / Ultimate Home Lending. Private or personal money arrangements may be structured separately. By submitting your information through this site, you agree to opt in to all phone, email, and marketing communications. Ryan Davies is not a licensed financial advisor; you should meet with one before applying any strategies that you learn. Not a solicitation. Educational inquiries welcome.

3. No Financial, Legal, or Investment Advice

The content on this Website is provided for informational and educational purposes only. Nothing on this Website constitutes financial, legal, tax, or investment advice. You should consult qualified professionals before making any financial or real estate decisions. Nothing on this Website constitutes an offer, solicitation, or commitment to lend. Nothing on this Website is an offer, solicitation, or recommendation of any security or investment; all lending and investment decisions are made by licensed entities, lending partners, or capital providers. All loan applications, approvals, terms, and funding are subject to underwriting, eligibility requirements, and the sole discretion of our lending partners.

4. Use of Website

You agree to use the Website only for lawful purposes and in accordance with these Terms. You agree not to: (a) use the Website in any way that violates applicable laws or regulations; (b) transmit any harmful, offensive, or unlawful content; (c) attempt to gain unauthorized access to any systems or networks; (d) interfere with or disrupt the Website or servers; (e) use automated means to access or scrape the Website without permission; or (f) use the Website for any commercial purpose other than inquiring about our services.

5. Accuracy of Information

We strive to keep information on the Website accurate and current. However, we do not warrant the completeness, accuracy, or reliability of any content. Loan terms, rates, programs, and availability may change without notice. All information is subject to verification and may vary based on individual circumstances and lending partner requirements.

6. Contact and Communications

By contacting us via text message, phone call, email, or form submission, you consent to receive communications from Hard Money Pros and its representatives regarding your inquiry. You acknowledge that standard messaging and data rates may apply to text messages. You may opt out of marketing communications at any time by contacting us.

7. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, and software, is the property of Hard Money Pros or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written permission.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HARD MONEY PROS AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND REPRESENTATIVES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITE OR RELIANCE ON ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED ONE HUNDRED DOLLARS ($100).

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Indemnification

You agree to indemnify, defend, and hold harmless Hard Money Pros and its affiliates, officers, directors, employees, agents, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Website, your violation of these Terms, or your violation of any rights of another party.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles. Any dispute arising from or relating to these Terms or the Website shall be subject to the exclusive jurisdiction of the state and federal courts located in Utah, and you consent to the personal jurisdiction of such courts.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

13. Changes

We may modify these Terms at any time. We will post the updated Terms on this page with a new "Last updated" date. Your continued use of the Website after such changes constitutes your acceptance of the revised Terms.

14. Contact

For questions about these Terms and Conditions, contact Hard Money Pros: 801-205-1635 or text 801-205-1635.