Terms of Service
Last updated: placeholder · Effective: pending
1. Acceptance of Terms
By accessing or using Hardline (the “Service”), you agree to be bound by these Terms. If you do not agree, do not use the Service.
2. Eligibility
You must be at least 18 years old and able to enter into a binding contract under applicable law. Borrower and lender users must comply with all federal and state laws governing real estate financing, including licensing, disclosure, anti-money-laundering, fair lending, and tax obligations applicable to them.
3. Nature of the Service — No Advisory, Brokerage, or Lending Relationship
Hardline is a software tool. We are not a lender, broker, real estate agent, escrow agent, money transmitter, or investment adviser. We do not originate loans, take applications on behalf of any lender, hold funds, hold securities, or arrange financing. Nothing on the Service constitutes legal, tax, financial, accounting, or investment advice. All loan terms, underwriting decisions, and funding are arranged directly between borrowers and lenders.
4. User Accounts
You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly of unauthorized use.
5. User Content
You retain ownership of information you submit. You grant Hardline a worldwide, non-exclusive, royalty-free license to host, display, and process your content solely to operate and improve the Service. You represent that you have the right to share any content you submit and that it is accurate.
6. Intellectual Property
The Service, including all software, design, text, and graphics, is owned by Hardline and protected by intellectual property laws. You may not copy, modify, distribute, sell, or reverse-engineer any part of the Service without written permission.
7. Prohibited Uses
You will not (a) use the Service to violate any law or regulation; (b) misrepresent yourself or any deal; (c) attempt to gain unauthorized access to systems or other users' data; (d) use the Service to send spam or harass other users; (e) scrape, mass-download, or commercially redistribute Service data; or (f) use the Service to facilitate fraud, money laundering, or terrorist financing.
8. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." HARDLINE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CALCULATIONS, ESTIMATES, AND DEAL METRICS PRESENTED IN THE SERVICE ARE INFORMATIONAL ESTIMATES ONLY AND DO NOT CONSTITUTE A LOAN OFFER, COMMITMENT, OR FINANCIAL ADVICE. WE DO NOT GUARANTEE ANY OUTCOME OF ANY DEAL, LOAN, OR INVESTMENT.
9. Limitation of Liability
To the maximum extent permitted by law, Hardline and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or in connection with your use of the Service. Our aggregate liability for direct damages will not exceed the greater of fees you paid us in the 12 months preceding the claim or USD $100.
10. Indemnification
You agree to indemnify and hold Hardline harmless from any claim, loss, or expense (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your breach of these Terms, (c) any loan or transaction you originate, take, or arrange using information obtained through the Service, or (d) your violation of any law or third-party right.
11. Termination
We may suspend or terminate your access at any time, with or without notice, for any reason, including violation of these Terms. You may stop using the Service at any time.
12. Governing Law
These Terms are governed by the laws of [jurisdiction to be confirmed], without regard to conflict-of-laws principles. Disputes will be resolved in the state or federal courts located in [venue to be confirmed].
13. Changes to These Terms
We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance.
14. Contact
Questions about these Terms can be sent to legal@hardline.example (placeholder).