Terms & Conditions

Terms of Use

By accessing this website, you confirm that you have read, understood, and agreed to abide by these terms of use (“Terms of Use”), which may be updated occasionally. This applies whether or not you have applied for our products or services. The term “you” encompasses you, any agents (like a mortgage broker) acting on your behalf, and any entity (such as an LLC) you represent when using the Site. If you’re using the Service or applying for our products or services on behalf of an entity, you assert that you have the authority to accept our Terms of Use on its behalf, and your usage of the Site will be deemed as the entity’s agreement. The term “User” refers to any individual or business entity, including you, who accesses or uses the Site directly or through an agent.

Disclaimer

By using our Services, you acknowledge that you do so at your own risk. We are not liable for any loss or damage that may arise from the failure of our Services to operate as expected, your reliance on information from our Services, or your use of our Services. It is your responsibility to evaluate the accuracy, completeness, and usefulness of any information, opinion, advice, or other content available through our Services. Wisdom Capital provides the service “as is” and “as available,” without any warranties, whether express, implied, or statutory. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee or promise any specific outcomes from using the service to secure a loan. The service may occasionally be unavailable due to maintenance or other reasons. We do not guarantee that the information available through our Services is error-free, that the functions or services provided by our Services will be uninterrupted, secure, or error-free, or that defects will be corrected. Wisdom Capital is not responsible for any issues or technical malfunctions of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, or failure of email due to technical problems or internet traffic congestion on the service or combination thereof.

Under no circumstances will Wisdom Capital be liable for any loss or damage, including any loss or damage to any user content or personal injury or death, resulting from anyone’s use of the service, any user content or third-party services content posted on or through the service or transmitted to users, or any interactions between users of the service, whether online or offline. Wisdom Capital reserves the right to modify any and all content contained in the service at any time without notice, including, without limitation, permanently discontinuing any part of the service. Mention of any products, services, processes, or other information by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation thereof, or any affiliation with them, by Wisdom Capital.

Lender Guideline’s Disclaimer

  • Construction draws are released upon verification of work completion.
  • Mixed-use properties* must be 50% or more for residential use.
  • Loan terms and approval are conditional and based on lender’s guidelines.
  • Guidelines are subject to change without prior notice and may not reflect the most up-to-date information.
  • Wisdom Capital does not guarantee the accuracy, completeness, or timeliness of the information provided and is not responsible for any errors or omissions.

Borrower Advisories

Investing in real estate, such as through Wisdom Capital loans, inherently involves risks, including the potential for loss. No guarantee is provided for investment returns or profits. Prior to making investment decisions, borrowers are strongly advised to conduct due diligence on any property and consult with their own legal, financial, or investment advisors. While Wisdom Capital strives to expedite loan closings, the disbursement of funds may be subject to factors such as appraisal processes and title review. While Wisdom Capital strives to expedite loan approvals, closings, and fund disbursements, the speed of these processes may be subject to various factors, but not limited to business hours, required documentation, appraisals, title reviews, and verification of work completion. Repeat borrower benefits offered by Wisdom Capital are conditional and subject to change at the company’s discretion. The information provided on this website does not constitute professional advice and should not be relied upon as such. Please note that the testimonials included on this website reflect the experiences of specific individuals and may not be indicative of all clients’ experiences.

External Links and Resources

Our Service may include links to other websites, products, and services that are provided, owned or operated by third parties (“External Resources”). These links are for your convenience and reference only and do not imply our endorsement or approval of External Resources or any related material. We have no control over and are not responsible for the availability, content, quality, accuracy, reliability, or legality of any External Resources. The privacy policies of External Resources may differ from ours and may offer less protection for your personal information. We strongly advise you to review the privacy policy of any External Resource before you provide any information to that third party. You agree that your use of any External Resource is at your own risk and that we are not liable for any damages, losses, or injuries of any kind that may result from your use of any External Resource.

Limitation of Liability

You agree that we are not responsible or liable for any damages, losses or injuries of any kind that may arise from the use, inability to use, unauthorized access to or use or misuse of our Services, your contact information, content or any information contained thereon, by you, any other user of our Services, third party providers or any other person or entity. These damages, losses or injuries include, but are not limited to, special, incidental, punitive, consequential, exemplary or other indirect damages (such as damages for loss of profits, loss of data, loss of use or costs of obtaining substitute goods or services). This applies regardless of the legal basis of the claim, whether warranty, contract, tort (including negligence), or otherwise, even if we have been advised of the possibility of such damages or losses.

Release From Liability

Release of Claims You agree that by using our Services, you waive, on your own behalf and on behalf of each of your past, present and future beneficiaries, heirs, successors and assigns, any and all rights and claims (whether actual, absolute, contingent, liquidated or unliquidated, punitive or consequential) of any kind and nature, known and unknown, against Wisdom Capital and its past, present and future affiliates, its directors, managers, members, officers, members, employees, representatives, consultants, agents, successors, assigns, affiliates, suppliers and/or distributors, to the maximum extent allowed by law. This includes, but is not limited to, any claims that may arise from or relate to (i) disputes between or among users; (ii) third party sites, products and services, such as loan products and related loan documents; and (iii) unauthorized access to or use or alteration of any data communications or content stored under or relating to your account.

Restrictions on Service Availability and Use

Our Services are only for users located in those states in the United States where Wisdom Capital or any of its affiliates have the license or authorization (or where no license or authorization is needed by applicable law) to offer and/or manage, as applicable, a relevant loan product. Our Services are not meant to be an offer for a loan or related product or service in any state where Wisdom Capital or any of its affiliates do not have the license or authorization to act as a lender or loan servicer, as applicable. We have the right to limit, at our sole discretion, the availability and quantity of any feature, product or service to any person or geographic location. Any offer for any feature, product or service through our Services is invalid where forbidden by law.

General Provisions

You agree that you cannot give or transfer your rights or obligations under these Terms, in whole or in part, to any third party without our written permission. These Terms apply to and benefit the parties to these Terms and their respective successors, allowed transferees and allowed assigns. We and you are separate entities and are not partners, joint venturers, agents, employees or representatives of the other party. The headings and captions used in these Terms are only for convenience and are not to be used in explaining or understanding these Terms. If any part of these Terms is found to be illegal, invalid or unenforceable, that part will be considered separate and will not affect the legality and enforceability of the rest of the provisions. The fact that Wisdom Capital does not use or enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Indemnification

You agree that by using our Services, you will protect and not hold us and our officers, directors, managers, members, owners, employees and agents responsible for any claims, damages, losses, liabilities and all costs and expenses of defense (together, “Claims”), including, without limitation, attorneys’ fees, and any consequential, incidental, special, exemplary, punitive and enhanced damages, that happen directly or indirectly because of or come from any breaking of the Terms hereunder, or any careless act, mistake or omission under the Terms hereunder or where such Claims happen because of any claims, actions, suits or governmental investigations or proceedings by a third party that come from (i) your posting of any content; (ii) your use of our Services; and/or (iii) any user or other third party’s use of any content that you post to our Services. You agree to defend us from any such Claims if we choose. The protection obligations hereunder will continue after the end of these Terms or the delivery of any products or services provided in connection with the Services.

Restricted Conduct

We have the right, without telling you beforehand and at our sole discretion, to decide whether your use of our Services breaks these Terms for any of the reasons above or below or for any other reason, and if we do so, we may stop your access to our Services. You agree that you will not, and will not allow or help any other person to, use our Services to: Harm, disable, overload, damage or interfere with any other party’s use of our Services. Get or try to get any materials or information through any means that we did not purposely make available through our Services. Avoid, remove or otherwise interfere with any security-related features of our Services. Bring viruses, worms, Trojan horses and/or harmful code to our Services. Use any robot, spider, site search/retrieval application or other automated device, process, or means to access, get, scrape or index any part of our Services or any content available through our Site. We have the right to consider other behavior to be unacceptable; the restrictions above are only examples.