Terms of Service

Effective Date: January 13, 2026

1. Acceptance of Terms

By accessing or using HardMoney.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Website or our services.

2. Description of Services

HardMoney.com is a marketing and referral platform that introduces accredited and institutional investors to licensed broker-dealers specializing in private-lending and real-estate-secured finance opportunities. Our services are limited to making these introductions. We do not:

• Offer, sell, or recommend any securities
• Provide investment advice or financial planning services
• Act as a broker-dealer, investment adviser, or funding portal
• Receive or handle investor funds
• Participate in securities transactions in any capacity

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and truthful information in all communications
• Meet accredited investor or institutional investor requirements (as verified by broker-dealers)

4. User Responsibilities

By using our services, you agree to:

• Conduct your own due diligence on any investment opportunity
• Review all offering documents and disclosures provided by broker-dealers
• Consult with your own legal, tax, and financial advisers
• Verify the registration status and regulatory standing of any broker-dealer
• Understand that investments involve risk, including possible loss of principal
• Use the Website only for lawful purposes and in compliance with applicable laws

5. No Warranties or Guarantees

HardMoney.com provides its services "as is" without warranties of any kind, express or implied. We do not guarantee:

• That you will be introduced to a broker-dealer or receive investment opportunities
• The accuracy, completeness, or reliability of information provided by broker-dealers
• The suitability, performance, or profitability of any investment
• That the Website will be available, uninterrupted, or error-free

6. Limitation of Liability

To the fullest extent permitted by law, HardMoney.com and its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of or inability to use the Website or our services
• Investment losses or financial damages resulting from investments with broker-dealers
• Acts or omissions of broker-dealers or other third parties
• Unauthorized access to or alteration of your information
• Any other matter relating to our services

Our total liability to you for any claim shall not exceed the amount you paid to us for services (which is zero for most users).

7. Indemnification

You agree to indemnify, defend, and hold harmless HardMoney.com and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Website or our services
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Information you provide through the Website

8. Third-Party Broker-Dealers

Broker-dealers in our network are independent third parties. We do not control their activities, offerings, or compliance with securities laws. Each broker-dealer is solely responsible for:

• Its relationship with investors
• The accuracy of information it provides
• Compliance with federal and state securities regulations
• Suitability determinations and investor protection

You acknowledge that your relationship is with the broker-dealer, not with HardMoney.com, once an introduction is made.

9. Intellectual Property

All content on the Website, including text, graphics, logos, and software, is owned by or licensed to HardMoney.com and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

10. Privacy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Dispute Resolution and Arbitration

Any dispute arising from these Terms or your use of the Website 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 lawsuit. This arbitration agreement does not apply to disputes with broker-dealers, which may be subject to FINRA arbitration.

12. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with a revised "Effective Date." Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact Information

HardMoney.com
Email: legal@hardmoney.com
Website Contact Form: [Link to contact page]