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HardMoney.com

HardMoney.com Terms of Use

Effective Date: August 2026

1. About HardMoney.com and Acceptance of These Terms

HardMoney.com is a service operated by Event Media 770 Corp. (“HardMoney.com,” “we,” “us,” or “our”). We operate an educational website and an artificial-intelligence (“AI”) assistant that explain how hard-money and private real-estate financing work, and that can help you organize and analyze your own real-estate projects for learning purposes. These Terms of Use (“Terms”) govern your access to and use of the HardMoney.com website, applications, content, and paid subscription services (collectively, the “Service”).

By accessing or using the Service, creating an account, or purchasing a subscription, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for users in the United States and is directed to a general adult audience seeking education about business-purpose, non-owner-occupied real-estate financing. By using the Service you represent that you meet these requirements.

3. What HardMoney.com Is and Is Not

HardMoney.com is an educational service only. It is not a lender, mortgage lender, mortgage broker, loan originator, broker-dealer, investment adviser, funding portal, or financial, legal, tax, or investment advisor, and it does not act in any of those capacities.

The Service does not: (a) offer, originate, arrange, negotiate, or make any loan; (b) find, recommend, endorse, or connect you with any lender, broker, or investor; (c) offer or sell securities or solicit any investment; (d) receive, hold, or transmit funds for any transaction; or (e) provide financial, legal, tax, accounting, or investment advice.

Any summary, analysis, or document the Service helps you create is generated from information you provide, is delivered to you for your own use, and remains yours. We do not send, submit, file, or transmit any such summary, or your deal information, to any lender, broker, investor, or other third party on your behalf; you alone decide whether, when, and to whom to present it. We are not compensated by any lender, broker, or investor for your use of the Service, and we do not maintain any lender directory or referral arrangement.

All content and AI output are provided for general education only and are limited to business-purpose, non-owner-occupied real estate. The Service is not intended for, and does not provide advice to, consumers seeking financing for a primary residence or other owner-occupied or consumer-purpose property. Nothing in the Service is a loan offer, quote, approval, commitment, or a determination that you qualify for any financing.

4. Accounts and Registration

To use certain features, including paid plans, you must create an account. You agree to provide accurate, current, and complete information, to keep it updated, and to keep your login credentials confidential. You are responsible for all activity under your account. Accounts are for a single user and may not be shared; you are responsible for all use of your account. Notify us promptly of any unauthorized use. We may suspend or terminate accounts as described in these Terms.

5. Free Tier and Paid Subscriptions

HardMoney.com offers a free tier with limited access to the AI and educational content, and paid subscription plans that provide expanded access:

Plan features, limits, and prices are described on our pricing page and may change as described in Section 18 (Changes to These Terms) and below. All prices are in U.S. dollars.

Fair use. All plans, including paid plans, are subject to fair-use limits on AI usage that reset on a rolling 24-hour basis. These limits are intended to keep the Service fast, reliable, and available for everyone and to prevent abuse or automated use. We may set and adjust these limits from time to time, and we may throttle, suspend, or terminate usage that we reasonably determine is excessive, automated, abusive, or inconsistent with normal individual use.

6. Payments and Billing

When you purchase a paid subscription, you authorize a charge to your selected payment method for the plan price plus any applicable taxes, on a recurring basis for the billing interval you select (monthly or annual), until you cancel. The price, billing interval, and the fact that the subscription automatically renews are disclosed to you before you are charged, and you must affirmatively agree before any charge is made.

You are responsible for keeping your payment information accurate and current. You are responsible for all applicable taxes other than taxes on our net income; sales tax and VAT, where applicable, are collected and remitted by our payment processor as described in Section 7.

We may change subscription prices or the features included in a plan. Any price change will apply on a going-forward basis and will not take effect until your next renewal after we provide notice; the notice and effective date will be provided as required by applicable law. If you do not agree to a price change, you may cancel before it takes effect.

7. Payment Processor; Lemon Squeezy as Merchant of Record

Payments for HardMoney.com subscriptions are processed by Lemon Squeezy, LLC (“Lemon Squeezy”), which acts as our authorized reseller and the merchant of record for your purchase. This means that Lemon Squeezy (not HardMoney.com) is the seller of record for the transaction. Lemon Squeezy handles payment processing and billing, is responsible for the security of your payment information, and collects and remits any applicable sales tax or VAT.

The charge that appears on your card or bank statement will reference Lemon Squeezy. Your purchase is also subject to Lemon Squeezy’s buyer terms and privacy policy. By purchasing a subscription, you authorize Lemon Squeezy to charge your payment method on a recurring basis for your subscription until you cancel.

8. Automatic Renewal and Cancellation

Your subscription renews automatically. At the end of each billing period, your subscription will automatically renew for another period of the same length (monthly or annual) at the then-current price, using your payment method on file, and you will be charged, unless you cancel before the renewal date.

You may cancel at any time through your account settings / customer portal or the cancellation link in your receipt email. When you cancel, you will retain access to your paid plan through the end of the billing period you have already paid for, and you will not be charged again. Cancelling stops future renewals; by itself it does not refund a charge that has already been made (see Section 9).

We will provide renewal reminders and any other auto-renewal notices required by applicable law.

9. Refunds

If you are not satisfied with your first-time paid subscription purchase, you may request a refund of that initial charge by contacting us at billing@hardmoney.com within fourteen (14) days of the date of that first charge. Approved refunds are issued back to your original payment method.

Renewal charges (the second and any later billing period) are not refundable. To avoid a renewal charge, cancel before your renewal date; you will keep access through the end of your paid period. Because a free tier is available for you to evaluate the Service before purchasing, refunds outside the 14-day first-purchase window are provided only where required by applicable law or at our discretion.

Refunds are processed by Lemon Squeezy, our merchant of record, back to your original payment method. As merchant of record, Lemon Squeezy may also issue a refund at its own discretion (for example, to resolve a payment dispute), typically within a limited period after purchase.

10. AI Output: Accuracy and No Reliance

AI-generated content: accuracy and no reliance. Responses and documents from HardMoney.com are produced by an artificial-intelligence system and are provided for general education only. AI can make mistakes: output may be inaccurate, incomplete, or out of date, and it is not a substitute for professional financial, legal, tax, or investment advice, and is not an offer of, or a decision about, any loan. You should not rely on any output as your sole source of truth or as professional advice. You are responsible for evaluating output for accuracy and appropriateness (using your own judgment and licensed professionals) before you rely on it, share it, or present it to a lender or any third party. Do not use any output as the basis for a decision that could have a legal or financial impact on you or another person without independent verification. The Service is provided “as is,” without warranty that it will be accurate, complete, or error-free.

Any figures used in a deal analysis or generated summary (including purchase price, rehab budget, after-repair value, comparables, costs, timelines, and any projected profit) come from information you provide and/or general assumptions, are estimates for discussion only, are not verified by HardMoney.com, and are not guarantees of value, cost, profit, or outcome. Actual property value, loan terms, and eligibility are determined solely by a licensed appraiser and a lender reviewing the actual transaction.

11. Intellectual Property

The Service and all content, features, and functionality (including text, educational materials, the curated knowledge base, AI system prompts and outputs made available to you, graphics, logos, and software) are owned by or licensed to HardMoney.com and are protected by U.S. and international intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial educational purposes.

You may not copy, reproduce, distribute, modify, scrape, data-mine, harvest, republish, sell, lease, sublicense, create derivative works from, or otherwise exploit any part of the Service or its content without our prior written permission. Without limiting the foregoing, you may not use the Service, its content, or its AI outputs to build, train, or evaluate any machine-learning or AI model, or to develop a competing product or service.

12. Acceptable Use

You agree not to: (a) use the Service for any unlawful purpose or in violation of these Terms; (b) attempt to gain unauthorized access to the Service, other accounts, or our systems; (c) interfere with or disrupt the Service or circumvent usage limits, metering, or security features; (d) use bots, scrapers, or automated means to access the Service except as we expressly permit; (e) misrepresent your identity or your affiliation; (f) upload malicious code or infringing, unlawful, or harmful content; or (g) use the Service to provide financial, legal, tax, or investment advice to others or to originate, broker, or arrange loans. We may investigate and take appropriate action, including suspending or terminating your account, for any violation.

By creating an account or subscribing, you consent to receive communications from us and from Lemon Squeezy relating to your account, transactions, and the Service (such as receipts, renewal notices, and service announcements) electronically, including by email. Where required, marketing communications will be sent only with any legally required consent, and you may opt out of marketing messages at any time.

The Service may contain links to third-party websites or services (including Lemon Squeezy and other processors) that we do not control. We are not responsible for the content, policies, or practices of any third party, and your use of third-party services is governed by their terms and policies. Links do not imply endorsement.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, HARDMONEY.COM DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTIES REGARDING ACCURACY, COMPLETENESS, AVAILABILITY, UPTIME, SECURITY, RELIABILITY, SUITABILITY, OR ERROR-FREE OR UNINTERRUPTED OPERATION. WE DO NOT WARRANT THAT THE SERVICE OR ANY AI OUTPUT WILL BE ACCURATE OR MEET YOUR REQUIREMENTS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HARDMONEY.COM AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, ENHANCED, OR LOST-PROFIT DAMAGES, OR FOR ANY LOSS ARISING FROM YOUR USE OF, OR RELIANCE ON, ANY CONTENT OR AI OUTPUT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. HARDMONEY.COM’S TOTAL LIABILITY FOR ANY AND ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO US OR THROUGH OUR MERCHANT OF RECORD FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU.

17. Indemnification

You agree to indemnify, defend, and hold harmless HardMoney.com and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) information or content you submit; (c) your violation of these Terms; (d) your violation of any law or the rights of any third party; or (e) any decision you make, or action you take, in reliance on any content or AI output, including any real-estate transaction or financing you pursue.

18. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide notice as required by law (for example, by posting the updated Terms with a new “Last updated” date or by notifying you by email). Changes are effective when posted or on the date stated in the notice. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service and may cancel your subscription.

19. No Professional Advice

The content and AI output are provided for general informational and educational purposes only and should not be considered legal, financial, accounting, tax, investment, lending, or other professional advice. You should consult your own licensed professionals (including an attorney, lender, tax advisor, and appraiser) before making any decision or taking any action based on the Service.

20. Governing Law

These Terms and any dispute or claim arising out of or relating to them or the Service are governed by the laws of the State of New York, without regard to its conflict-of-law principles. Except for qualifying individual claims brought in small-claims court, you and HardMoney.com agree that all disputes will be resolved exclusively in the state and federal courts located in New York (see Section 21).

21. Dispute Resolution; Venue; Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS HOW DISPUTES BETWEEN YOU AND HARDMONEY.COM ARE RESOLVED, INCLUDING WHERE CLAIMS MUST BE BROUGHT AND A WAIVER OF CLASS ACTIONS.

21.1 Informal Resolution First

Before filing any lawsuit, you and HardMoney.com agree to try to resolve the dispute informally for sixty (60) days. To begin, send a written notice describing the claim and the relief sought to legal@hardmoney.com (for you) or to the email/address associated with your account (for us). The parties will negotiate in good faith during this period. This step is a condition to filing suit (except for claims that qualify for small-claims court, or a request for emergency injunctive relief).

21.2 Exclusive Jurisdiction and Venue

Except for qualifying claims brought in small-claims court, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be brought and resolved exclusively in the state or federal courts located in Nassau County, New York. You and HardMoney.com each consent to the personal jurisdiction of, and venue in, those courts, and waive any objection based on inconvenient forum.

21.3 Small-Claims Court Option

Either party may bring an individual claim in a small-claims court with jurisdiction, so long as the matter stays in that court and proceeds only on an individual (non-class) basis.

21.4 Class-Action Waiver (To the Extent Permitted by Law)

To the fullest extent permitted by applicable law, you and HardMoney.com agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, representative, or private-attorney-general proceeding.

21.5 Jury Trial Waiver

To the extent permitted by applicable law, you and HardMoney.com each waive any right to a trial by jury in any dispute arising out of or relating to these Terms or the Service.

21.6 Survival

This Section 21 survives termination of your account and these Terms.

22. Termination

We may suspend or terminate your access to the Service, with or without notice, if you violate these Terms, if we are required to do so by law, or if we discontinue the Service. You may stop using the Service and cancel your subscription at any time. Sections that by their nature should survive termination (including Sections 10, 11, 15, 16, 17, 19, 20, and 21) will survive.

23. Miscellaneous

These Terms, together with the Privacy Policy and any plan-specific terms, are the entire agreement between you and HardMoney.com regarding the Service. Our failure to enforce any provision is not a waiver. If any provision (other than as addressed in Section 21) is found unenforceable, the remaining provisions remain in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates any employment, agency, partnership, joint-venture, or fiduciary relationship between you and HardMoney.com.

24. Company Information and Contact

Event Media 770 Corp. 499 Chestnut Street, Cedarhurst, NY 11516
Legal notices: PO Box 597, Lawrence, NY 11559 General contact: support@hardmoney.com Billing: billing@hardmoney.com Legal / notices / arbitration opt-out: legal@hardmoney.com