Terms of Use | DSCRLoan.Loan

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the website located at https://dscrloan.loan (the "Site") operated by Loan Daddy LLC ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

2. Who We Are

The Site is operated by Loan Daddy LLC, an Arizona Limited Liability Company, Company NMLS #2827624, with principal office at 4111 N Drinkwater Blvd, Apt F202, Scottsdale, AZ 85251.

3. Broker, Not Lender

Loan Daddy LLC is a business-purpose loan broker. Loan Daddy LLC does not fund loans and does not make lending decisions. Nothing on the Site constitutes a commitment to lend, an offer of credit, an approval of any loan request, or an interest-rate lock. All loans are subject to borrower and property qualification, underwriting by the wholesale lender, and lender-issued terms and conditions, which are subject to change without notice.

4. Business-Purpose Use Only

This Site is intended for business-purpose, non-owner-occupied investment real-estate transactions. By submitting information, you represent that your inquiry is for a business-purpose loan and not for a consumer-purpose residential mortgage covered by the Truth in Lending Act (TILA) or the Real Estate Settlement Procedures Act (RESPA) as a consumer transaction.

5. No Guarantee of Approval or Rate

Any pricing, rate, term, LTV, loan amount, or closing timeline mentioned on the Site is illustrative only and does not constitute a rate lock, a loan approval, or a commitment by any lender. Actual terms depend on underwriting, property appraisal, title review, borrower qualification, and market conditions.

6. Permitted Use

You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of others. You may not attempt to gain unauthorized access to any portion of the Site, interfere with its operation, or use it for any commercial purpose other than submitting a business-purpose loan inquiry.

7. Intellectual Property

All content on the Site, including text, graphics, logos, trademarks, and software, is owned by Loan Daddy LLC or its licensors and is protected by United States and international intellectual-property laws. Except as expressly permitted by these Terms or by applicable law, you may not copy, reproduce, distribute, publish, or create derivative works from any Site content without our prior written permission.

8. Third-Party Links and Services

The Site may contain links to third-party websites (including wholesale-lender loan application portals). Loan Daddy LLC is not responsible for the content, privacy practices, or accuracy of third-party sites or services. Your use of third-party sites is governed by their own terms and policies.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT, TOOLS (INCLUDING THE DSCR CALCULATOR), AND MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. CALCULATOR OUTPUTS ARE ESTIMATES ONLY.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL LOAN DADDY LLC, ITS AFFILIATES, OFFICERS, MEMBERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Indemnification

You agree to indemnify, defend, and hold harmless Loan Daddy LLC, its affiliates, officers, members, employees, and agents from and against any claim, liability, loss, damage, or expense (including reasonable attorneys' fees) arising out of your use of the Site or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of those courts.

13. Changes to These Terms

We may revise these Terms at any time by updating this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

14. Contact

Questions about these Terms should be directed to [email protected] or to Loan Daddy LLC, 4111 N Drinkwater Blvd, Apt F202, Scottsdale, AZ 85251.