Terms of Use

Last Updated: December 10, 2025

Please read these Terms of Use (“Terms”) carefully before using the website (the “Website”) operated by Lake Norman Private Money Lending (referred to as “we,” “us,” or “Company”).

By accessing or using the Website, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Website.

1. Acceptance of Terms

These Terms govern your access to and use of the Website and any content, functionality, and services offered on or through the Website. You represent that you are of legal age and capacity to form a binding contract with the Company.

2. Services Offered

The Company provides information regarding hard money real estate loans, including, but not limited to, Fix & Flip loans and Rent (long-term fixed) loans, primarily in North Carolina markets such as Lake Norman and Mooresville.

• No Guarantee of Approval: The information on this Website, including advertised interest rates, Loan-to-Cost, After Repair Value (ARV) percentages, points, loan terms, and closing times, is for informational purposes only. It does not constitute an offer to lend and is not a guarantee of loan approval, rates, or terms. All financing is subject to property appraisal, underwriting approval, and execution of formal loan documentation.
• “Instant” Features: References to “instant term sheet” and “instant proof of funds” are based on the submission of preliminary information through our online application. These are preliminary documents based on borrower-provided data and are subject to verification and formal underwriting.

3. Online Application and User Account

To inquire about a loan or apply, you may be required to complete an online application and/or create an account.

• Accuracy of Information: You agree to provide current, accurate, and complete information during the application process and to update such information as necessary. Providing false or misleading information may result in the immediate rejection of your application or termination of any outstanding loan commitment.
• Security: You are responsible for maintaining the confidentiality of any login credentials associated with your account and for all activities that occur under your account.

4. Intellectual Property Rights

All content on the Website, including text, graphics, logos, images, loan terms, and the “Our Process” flow, is the property of Lake Norman Private Money Lending or its content suppliers and is protected by copyright and other intellectual property laws.

• You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as generally permitted by the normal function of a web browser.

5. Disclaimer of Warranties and Limitation of Liability

The information on the Website is provided “as is” and without warranties of any kind, either express or implied.

• No Professional Advice: The content on the Website is not financial, investment, tax, or legal advice. You should consult with qualified professionals before making any investment or financial decisions.
• Limitation of Liability: In no event shall Lake Norman Private Money Lending, nor 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 (i) your access to or use of or inability to access or use the Website; (ii) any conduct or content of any third party on the Website; (iii) any content obtained from the Website; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.

6. Governing Law and Jurisdiction

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. You agree to submit to the personal jurisdiction of the courts located within North Carolina for the purpose of litigating all such claims or disputes.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post the revised Terms on the Website and update the “Last Updated” date. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.

8. Contact Information

If you have any questions about these Terms, please contact us at hi@keelteam.com.