Terms of Service

1. Acceptance of Terms

Welcome to MI Your Ventures LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website at miyourventuresllc.com (the "Site") and any related services, including loan inquiry submissions and communications with our team.

By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site or our services.

2. Description of Services

MI Your Ventures LLC provides business-purpose financing solutions for real estate investors. Our services include:

• Earnest Money Deposit (EMD) Funding
• Fix & Flip Loans
• New Construction Financing
• Rental DSCR (Debt Service Coverage Ratio) Loans
• Cash-Out Refinancing

Our Site allows prospective borrowers to submit loan inquiries, learn about our programs, and contact our team.

3. Eligibility

To use our services and submit a loan inquiry, you must:

• Be at least 18 years of age
• Be a legal entity or individual with the legal capacity to enter into binding agreements
• Be seeking financing for business or investment purposes only (not personal, family, or household use)
• Provide accurate and complete information in any forms or applications

We Do Not Provide:

• Loans for owner-occupied or primary residences
• Consumer mortgages or retail home loans
• Financing for personal, family, or household purposes

4. No Guarantee of Loan Approval

Loan terms, rates, and conditions vary based on property type, borrower qualifications, deal structure, and market conditions. Any terms discussed or quoted prior to formal approval are estimates only and subject to change.

5. User Responsibilities

When using our Site and services, you agree to:

• Provide truthful, accurate, and complete information
• Not misrepresent your identity, financial condition, or the nature of any property or transaction
• Not use our Site for any unlawful purpose
• Not attempt to gain unauthorized access to our systems or interfere with Site operations
• Comply with all applicable federal, state, and local laws and regulations

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of MI Your Ventures LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. SMS/Text Messaging Terms

By providing your phone number and opting in to receive text messages from MI Your Ventures LLC, you agree to the following terms:

7.1 Message Sender

Text messages will be sent by MI Your Ventures LLC, a real estate financing company providing business-purpose loans for real estate investors. Our contact information is:

• Phone: (774) 277-7154
• Email: [email protected]
• Website: miyourventuresllc.com

7.2 Types of Messages

Non-Marketing Messages: If you consent to non-marketing messages, you may receive texts related to your loan inquiry, application status updates, document requests, appointment reminders, and closing notifications.

Marketing Messages: If you separately consent to marketing messages, you may receive texts about promotional offers, new loan programs, and financing opportunities.

7.3 Message Frequency

Message frequency varies depending on your loan inquiry status and preferences. During active loan processing, you may receive multiple messages per week. Marketing messages are typically sent no more than 4 times per month. Message and data rates may apply.

7.4 Opt-Out Instructions

You may opt out of receiving text messages at any time by texting STOP to (774) 277-7154 or to any message you receive from us. After opting out, you will receive a single confirmation message, and no further texts will be sent unless you re-subscribe. You may also opt out by contacting us at [email protected] or (774) 277-7154. Reply HELP for assistance.

7.5 Carrier Liability

Carriers (including but not limited to AT&T, Verizon, T-Mobile, and Sprint) are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier.

7.6 Privacy

Your phone number and SMS consent information are subject to our Privacy Policy. We do not sell or share your mobile information with third parties for marketing purposes.

8. Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. Your use of third-party sites is at your own risk.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED ARE OFFERED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MI YOUR VENTURES LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Failure to obtain financing
• Delays in loan processing or closing
• Any decisions made based on information provided on the Site

Our total liability for any claim arising from these Terms or your use of the Site shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless MI Your Ventures LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Site or services
• Your violation of these Terms
• Your violation of any rights of another party
• Any misrepresentation or fraud committed by you

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Massachusetts, and you consent to the personal jurisdiction of such courts.

13. Dispute Resolution

Before initiating any legal action, you agree to first contact us to attempt to resolve any dispute informally. If we cannot resolve the dispute within thirty (30) days, either party may proceed with formal legal action as permitted under these Terms.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MI Your Ventures LLC regarding your use of the Site and supersede all prior agreements and understandings.