Disclosures

Marketing Fee Disclosure

Licensed broker-dealers pay HardMoney.com a fixed marketing fee for introductions to qualified investors. This fee is paid by the broker-dealer, not by investors. The marketing fee arrangement does not affect the terms, pricing, or structure of any securities offered by broker-dealers.

HardMoney.com does not receive transaction-based compensation, performance fees, or any portion of investor funds. Our compensation is limited to the fixed marketing fee paid by broker-dealers for access to our investor introduction service.

Investor Responsibility and Risk Notice

Private-lending and real-estate-secured investments involve significant risks, including:

• Loss of Principal: You may lose some or all of your invested capital.
• Illiquidity: Private securities are not publicly traded and may be difficult or impossible to sell before maturity.
• Limited Regulatory Oversight: Private placements are exempt from certain SEC registration requirements and may provide fewer investor protections than public securities.
• No Guarantee of Returns: Projected returns are not guaranteed and actual results may differ materially from projections.
• Concentration Risk: Real estate-secured investments may be concentrated in specific properties, markets, or borrowers.

You are solely responsible for:

• Conducting thorough due diligence on any investment opportunity
• Reviewing all offering documents, including private placement memoranda and subscription agreements
• Consulting with your own legal, tax, and financial advisers before making investment decisions
• Verifying your accredited investor status and ensuring you meet suitability requirements
• Understanding the terms, risks, and restrictions of any investment

No Advisory Relationship

HardMoney.com does not provide investment advice, financial planning, tax advice, or legal counsel. No information on this website constitutes a recommendation to buy, sell, or hold any security. We do not evaluate the merits, risks, or suitability of any investment opportunity.

The licensed broker-dealers in our network are independent third parties. HardMoney.com does not control, endorse, or guarantee the activities, representations, or offerings of any broker-dealer. Each broker-dealer is solely responsible for its own compliance with securities laws and for its relationships with investors.

Accredited Investor Requirement

Most private-lending opportunities require investors to qualify as "accredited investors" under SEC Rule 501 of Regulation D. Accredited investor status is verified by the broker-dealer, not by HardMoney.com.

Generally, an accredited investor is an individual with:

• Net worth exceeding $1,000,000 (excluding primary residence), or
• Annual income exceeding $200,000 ($300,000 with spouse) in each of the two most recent years with reasonable expectation of the same income level in the current year, or
• Certain professional certifications (Series 7, 65, or 82 licenses)

Institutional investors and certain entities may also qualify as accredited investors under different criteria.

Forward-Looking Statements

Information provided by broker-dealers may contain forward-looking statements regarding projected returns, market conditions, or investment strategies. These statements are based on assumptions and estimates that may prove incorrect. Actual results may differ materially from projections due to market conditions, borrower performance, regulatory changes, economic factors, and other risks.

Governing Law and Dispute Resolution

These disclosures and your use of HardMoney.com are governed by the laws of the State of New York, without regard to conflict of law principles.

Any dispute arising from your use of this website or our referral services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. Arbitration shall be conducted in New York, New York. You waive any right to a jury trial or to participate in a class action.

Note: Securities transactions with broker-dealers may be subject to separate arbitration provisions under FINRA rules.

Questions

If you have questions about these disclosures or our referral services, please contact us through our website or by mail at the address provided in our Terms of Service.