Terms of Service

By accessing and using the NBP Funding website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms apply to all users of the site, including but not limited to browsers, customers, partners, and loan applicants.

NBP Funding provides private lending services including: • Business purpose funding from $5,000 and up • Real estate investment loans from $75,000 and up • Loan brokerage and facilitation services • Partner and referral programs All services are subject to approval, underwriting review, and available lender programs. We reserve the right to modify, suspend, or discontinue any service at any time without notice.

To use our services, you must: • Be at least 18 years of age • Have the legal capacity to enter into binding contracts • Provide accurate and complete information • Maintain the security of your account credentials • Comply with all applicable laws and regulations We reserve the right to refuse service to anyone for any reason at any time.

When you submit a loan application: • You authorize us to verify all information provided • You consent to credit checks and background verification • You agree that submission does not guarantee approval • You understand that loan terms are subject to lender approval • You acknowledge that rates and terms may vary based on multiple factors Applications are typically reviewed within 24-48 business hours. Additional documentation may be required.

IMPORTANT: Our services are provided "as is" and "as available" without any warranties of any kind. We do not guarantee: • Approval of any loan application • Specific loan terms, rates, or conditions • Uninterrupted or error-free service • That the website will be secure or virus-free • Accuracy of information provided by third parties All loan products are subject to lender approval and underwriting criteria. Past performance or quoted rates do not guarantee future results.

To the maximum extent permitted by law, NBP Funding shall not be liable for: • Any indirect, incidental, special, or consequential damages • Loss of profits, revenue, or business opportunities • Loss or corruption of data • Delays or failures in loan processing • Actions of third-party lenders • Decisions made based on information provided on our website Our total liability shall not exceed the amount of fees actually paid to us by you, if any.

You agree to: • Provide accurate and truthful information • Update your information as changes occur • Respond promptly to requests for documentation • Not misrepresent your financial situation • Not engage in fraudulent or illegal activities • Respect intellectual property rights • Not attempt to disrupt or harm the website Violation of these terms may result in termination of service and potential legal action.

All content on this website, including but not limited to: • Text, graphics, logos, images • Software and code • Trademarks and service marks • Design and layout Are the property of NBP Funding or our licensors and are protected by copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to: • Collection and processing of your personal information • Sharing information with lenders and service providers • Use of cookies and tracking technologies Please review our Privacy Policy for detailed information about how we handle your data.

We reserve the right to terminate or suspend your access to our services: • For violation of these Terms of Service • For fraudulent or illegal activity • If required by law or legal process • At our sole discretion for any reason Upon termination, your right to use the services will immediately cease. However, certain provisions of these terms will survive termination.

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or use of our services shall be resolved through: • Good faith negotiation • Mediation (if negotiation fails) • Binding arbitration (as a final resort) You waive any right to participate in a class action lawsuit.

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our services after changes are posted constitutes acceptance of the modified terms. We encourage you to review these terms periodically. The "Last Updated" date at the top of this page indicates when these terms were last revised.

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. The failure to enforce any right or provision of these terms will not be deemed a waiver of such right or provision.