Terms and Conditions

1. Our Services

We provide information about DSCR (Debt Service Coverage Ratio) loans and a tool to help you understand whether a DSCR loan may fit your situation. The Site is for informational purposes only. Nothing on this Site is a commitment to lend or a guarantee of loan approval, rates, or terms.

2. Eligibility

You must be at least 18 years old and able to enter into a binding agreement to use the Site. By using the Site, you confirm that you meet these requirements.

3. Use of the Site

You agree to use the Site only for lawful purposes. You agree not to:

• Use the Site in any way that violates applicable laws or regulations.
• Attempt to gain unauthorized access to the Site or its systems.
• Interfere with or disrupt the Site or servers.
• Submit false, misleading, or fraudulent information.

4. SMS / Text Messaging Program

Program (Campaign) Name: Beacon Lending Loan Notifications.

Description: When you submit your contact information through our website, you may receive text messages from Beacon Lending related to your DSCR loan inquiry, including follow-ups and replies from our team. By providing your phone number and opting in, you consent to receive these text messages.

• Message frequency varies.
• Message and data rates may apply.
• For help, reply HELP or contact us at the email/phone below.
• To stop receiving messages, reply STOP at any time. After you reply STOP, you will receive one final confirmation message and will not receive any further messages unless you opt in again.

Carriers are not liable for delayed or undelivered messages.

5. Consent and Opt-In

You opt in by submitting your name, email, and phone number through the contact or chat form on our Site, where you agree to be contacted by phone, email, or text message about your inquiry. Consent to receive text messages is not a condition of any purchase or service.

6. No Guarantee / Not Financial, Legal, or Tax Advice

Information on this Site is for general informational purposes only. We do not quote rates, promise approval, or provide financial, legal, or tax advice. Please consult a licensed professional for advice specific to your situation.

7. Intellectual Property

All content on the Site, including text, graphics, logos, and tools, is owned by or licensed to Beacon Lending and is protected by applicable laws. You may not copy, reproduce, or distribute any content without our written permission.

8. Third-Party Links

The Site may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of any third-party sites, and linking does not imply our endorsement.

9. Disclaimer of Warranties

The Site is provided "as is" and "as available," without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or that any information on it is accurate or complete.

10. Limitation of Liability

To the fullest extent permitted by law, Beacon Lending will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or your inability to use it.

11. Indemnification

You agree to indemnify and hold harmless Beacon Lending from any claims, losses, or expenses arising out of your use of the Site or your violation of these Terms.

12. Privacy

Your use of the Site is also governed by our Privacy Policy.

13. Changes to These Terms

We may update these Terms at any time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of the Site after changes are posted means you accept the updated Terms.

14. Governing Law

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

15. Contact Us

Beacon Lending
Email: brianq@beaconlending.com
Phone: +1 (888) 308-4008
Website: https://dscr-insight-hub.lovable.app/