Terms and Conditions

Terms and Conditions

Last Updated: November 26, 2024

These Terms and Conditions (the “Agreement”) govern your use of the services provided by EMx Lending and its affiliated entities, including but not limited to our loan program alerts, investment opportunities, market insights, educational resources, and other related services (collectively, the “Services”). By accessing or using our website, services, or content, you agree to comply with and be bound by this Agreement. If you do not agree with any of these terms, please do not use our Services.

1. Use of Our Services

To use our Services, you must be at least 18 years of age and legally capable of entering into a binding contract. You agree to use the Services only for lawful purposes and in accordance with this Agreement.

2. Account Registration

To access certain features of our Services, you may be required to create an account. When registering, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

3. Services Provided

EMx Lending offers a wide range of services, including but not limited to:

Loan program alerts and updates

Investment opportunity alerts

Market insights and research

Educational materials, such as guides, whitepapers, and investment tools

Advisory and lending services

We reserve the right to modify or discontinue any aspect of our Services at our discretion.

4. User Conduct

You agree not to engage in any of the following activities while using our Services:

Violating any applicable laws or regulations

Attempting to gain unauthorized access to our website, services, or systems

Interfering with or disrupting the operation of the Services

Using the Services to transmit harmful, unlawful, or offensive content

We may suspend or terminate your account if you engage in any prohibited activities.

5. Intellectual Property

All content provided through the Services, including text, graphics, logos, software, and other materials, is the property of EMx Lending or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, modify, distribute, or reproduce any of our content without prior written permission.

6. Privacy

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our Services, you agree to the terms of the Privacy Policy.

7. Payment and Fees

Certain features of the Services may require payment. By subscribing or using those features, you agree to pay the applicable fees, as outlined at the time of purchase. We reserve the right to change our pricing at any time, but any changes will not affect your current subscription unless otherwise stated.

8. Disclaimers and Limitation of Liability

Our Services are provided on an “as is” and “as available” basis. We make no warranties or representations regarding the accuracy, completeness, or reliability of the Services or any content provided. We are not responsible for any loss or damage resulting from your use of the Services.

To the fullest extent permitted by law, EMx Lending will not be liable for any indirect, incidental, special, or consequential damages, including loss of profits or data, arising out of or related to your use of the Services.

9. Indemnification

You agree to indemnify, defend, and hold harmless EMx Lending and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including legal fees) arising from your use of the Services or violation of this Agreement.

10. Modifications to the Agreement

We may update or revise these Terms and Conditions from time to time. When we make significant changes, we will notify you through the Services or by email. Your continued use of the Services after such changes constitutes your acceptance of the revised terms.

11. Termination

We reserve the right to suspend or terminate your access to the Services at any time, without notice, for any reason, including if we believe you have violated these Terms and Conditions.

12. Governing Law

This Agreement will be governed by and construed in accordance with the laws of the state of Michigan, without regard to its conflict of law principles.

13. Dispute Resolution

Any disputes arising under or in connection with this Agreement will be resolved through binding arbitration in accordance with the rules of Michigan. You agree to waive any right to a trial by jury.

14. Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at: [email protected]