hardmoney.com

Connecting Accredited Investors with Qualified Real Estate Borrowers

Terms of Use

Effective Date: May 27, 2025

By accessing or using the services provided through this website, you agree to be bound by these Terms of Use (the “Agreement”) and our Privacy Policy. If you do not agree to these terms, you may not access or use our services.

The terms “we,” “us,” or “our” refer to HardMoney.com, a division of Event Media 770 Corp.with a principal business address at 456 Central Avenue, Cedarhurst, NY 11516. The terms “you” and “your” refer to the individual accessing or using the Services at www.hardmoney.com whether personally or on behalf of an organization.

The term “Services” refers to the website located at www.HardMoney.com, including all related subdomains, mobile applications, emails, widgets, and other online features, tools, or platforms made available by us.

The term “Content” includes, without limitation, all text, images, videos, graphics, code, user submissions, layouts, interfaces, designs, and other materials or information made available on or through the Services.

Your Compliance with These Terms

You acknowledge that your use of HardMoney.com and its services constitutes valid and sufficient consideration for entering into this Agreement. This includes, but is not limited to, your access to and use of the website, and your ability to submit or receive information through our platform.

By using our Services, you represent and warrant that you have the legal capacity to enter into this Agreement. If you are using the Services on behalf of a company or other legal entity, you affirm that you are authorized to bind that entity to these terms.

To help ensure compliance with this Agreement, we reserve the right to monitor your use of the Services, as permitted by our Privacy Policy and applicable law.

Your Access and Use of Our Services

Your right to access and use the Services provided by HardMoney.com is personal to you and may not be assigned, transferred, or shared with any other individual or entity. You may only access and use our Services for lawful purposes and in accordance with this Agreement and our Privacy Policy.

Please note that access to our Services may be interrupted or unavailable from time to time for reasons that include, but are not limited to, equipment malfunction, updates, scheduled maintenance, or other actions that we, in our sole discretion, choose to take. We reserve the right to suspend, discontinue, or restrict access to the Services, or any part thereof, at any time and without prior notice.

You agree not to engage in any activity that, in our sole discretion:

(i) violates this Agreement or the Privacy Policy;

(ii) disrupts, restricts, or inhibits any other user’s ability to access or enjoy our Services; or

(iii) involves the use of our Services to defame, abuse, harass, threaten, or otherwise violate the legal rights of others.

You also agree not to copy, modify, frame, embed, scrape, or otherwise misuse any part of our Services without our prior written consent.

Requests for Quotes and Information

When you use HardMoney.com to submit a request for a quote, product, or service (a “Request”), you agree that your information may be shared with relevant third-party Service Providers. By submitting a Request, you expressly consent to being contacted directly by these third parties via phone, email, text message, postal mail, or other communication methods—even if your number is listed on any Federal, State, National Do Not Call Registry or any similar lists.

You also understand and agree that Service Providers may conduct necessary research—including obtaining consumer reports or credit inquiries—to respond to your Request. This may involve sharing your information with credit bureaus or data providers. If you do not wish to undergo this process, please refrain from submitting a Request through our platform.

Your Responsibility for Financial Decisions

HardMoney.com provides a platform through which users may access general information and be introduced to third-party financial professionals, including but not limited to lenders, broker-dealers, insurance agents, mortgage brokers, and other service providers (“Service Providers”). We do not endorse, recommend, or guarantee the products, services, or qualifications of any Service Provider. We are not your agent, advisor, or fiduciary, and we do not verify or evaluate the licensing, certification, or professional background of Service Providers. It is solely your responsibility to conduct due diligence before engaging with any Service Provider.

You acknowledge that all decisions regarding financial products, services, or providers are made at your own discretion. You are encouraged to consult with licensed financial advisors, attorneys, or other qualified professionals who understand your unique situation before making any financial commitments. Any interactions or transactions between you and a Service Provider are solely between you and that provider, and HardMoney.com disclaims any and all liability related to those relationships.

We Are Not a Financial Services Provider

HardMoney.com is not a lender, broker-dealer, insurer, or financial institution. We do not offer financial products, make credit decisions, or issue any form of loan, insurance policy, or investment. Our service is strictly limited to introducing users to potential Service Providers who may offer such products.

No Guarantees or Endorsements

We make no representations or warranties regarding the pricing, terms, rates, products, services, or outcomes provided by any Service Provider. We do not guarantee that any offer you receive is the best available or suitable for your needs. All terms and availability are set by the individual Service Providers and are subject to change.

By using our Services, you release HardMoney.com and its affiliates from any and all liability, losses, damages, or claims arising out of or related to your use of any Service Provider’s products or services.

Mobile Devices

If you access our Services through a mobile device or application, your carrier’s standard data and messaging rates may apply. Use of our mobile Services is also subject to this Agreement and any additional terms provided within the app.

Your Responsibility for Equipment and Related Costs

You are solely responsible for obtaining and maintaining all necessary equipment and services required to access and use our Services, including but not limited to, internet access, computer hardware, and telecommunication services. You are also responsible for any associated costs, including internet and long-distance charges.

Third-Party Links or Access

Our Services may contain links to or allow access to third-party websites or services, including those of our affiliates, partners, service providers, or advertisers. For example, we may access your credit report from TransUnion or other credit bureaus. These links and integrations do not represent an endorsement by us, and we do not warrant the offerings of any such third parties.

We are not responsible for the policies, content, products, or services of any third party, nor do we guarantee the terms, rates, or reliability of services advertised through our platform. You are encouraged to independently evaluate the suitability and legality of any third-party content or service.

Public Forums

Our Services may include interactive areas such as blogs, message boards, chat rooms, comment sections, and other forums (collectively, the “Forums”) where users can post content, share opinions, ask questions, and otherwise contribute information (“User Generated Content”).

Please note that HardMoney.com and its affiliates do not participate in the creation or transmission of User Generated Content. We do not endorse, approve, or guarantee the accuracy, reliability, or appropriateness of any User Generated Content posted by users. You acknowledge and agree that any such content is the sole responsibility of the individual or entity that submitted it, and you may find certain content to be offensive, inaccurate, misleading, or otherwise objectionable.

We urge you to exercise caution, discretion, and common sense when participating in or relying on content found in our Forums. The Forums are intended for general informational purposes only and are not a substitute for professional advice or services.

While we do not routinely monitor all User Generated Content, we reserve the right—but do not assume the obligation—to edit, remove, or restrict access to any User Generated Content at our sole discretion, for any reason or no reason, without prior notice.

If you encounter issues with the Forums or wish to report inappropriate content, please contact us at: [email protected]

Our Intellectual Property Rights

All names, logos, trademarks, service marks, page headers, icons, scripts, and other elements displayed through our Services—along with all content, layouts, designs, and visual presentation—are trademarks, service marks, or trade dress owned by HardMoney.com or its affiliates in the United States and/or other jurisdictions (collectively, the “Proprietary Marks”). You may not use, copy, reproduce, or distribute the Proprietary Marks without our prior written consent.

We acknowledge the rights of any third-party trademarks or service marks that may appear on our Services. Such third-party marks are the property of their respective owners, and their inclusion does not imply endorsement or association.

We also own the copyright in the collective work formed by the selection, coordination, arrangement, and enhancement of all content made available through our Services (the “Collective Work”). In addition, all software, functionality, and source code used within our Services (the “Software”) is either our proprietary property or licensed from third-party providers and is protected under U.S. and international copyright and intellectual property laws.

Accessing, downloading, printing, or otherwise using any part of our Services does not grant you any ownership rights or licenses to the Content, the Collective Work, the Software, or any Proprietary Marks.

You agree to be solely responsible for any claims, damages, or losses arising out of your unauthorized use of our intellectual property or any infringement of third-party rights. This includes, but is not limited to, damages resulting from copying, redistributing, transmitting, publishing, or otherwise using protected material in violation of this Agreement.

Disclaimers and Limitation of Liability

THE SERVICES, INCLUDING ALL CONTENT, SOFTWARE, PRODUCTS, AND SERVICES MADE AVAILABLE THROUGH HARDMONEY.COM, ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE. WE DISCLAIM ALL LIABILITY FOR DAMAGES ARISING FROM THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify, defend, and hold harmless HardMoney.com, its owners, affiliates, officers, directors, employees, agents, licensors, suppliers, and representatives from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • your use or misuse of the Services;
  • your violation of these Terms or any applicable laws or regulations;
  • any inaccurate, incomplete, or misleading information you provide to us;
  • your breach of any representation or warranty contained herein;
  • any activity carried out using your account or credentials, whether authorized or not;
  • any content, data, or materials you submit, post, transmit, or upload through the Services; and/or
  • any damage to property or injury to any person caused by you in connection with your use of the Services.

This indemnification obligation will survive your use of the Services and any termination of this Agreement.

Dispute Resolution and Arbitration

If any dispute arises out of or relates to your use of HardMoney.com’s referral services or this Agreement (the “Referral Agreement”), such dispute shall first be addressed through good faith negotiations between the parties.

Brokerage Services Disputes:

Please note that HardMoney.com acts solely as a referral platform connecting you to licensed broker-dealers. Any disputes, claims, or complaints related directly to brokerage services, financial products, investment advice, or regulatory compliance must be resolved exclusively between you and the respective broker-dealer. These disputes are subject to the broker-dealer’s own dispute resolution processes, including but not limited to FINRA arbitration or other regulatory channels as required by law.

Referral Agreement Disputes:

For any disputes arising solely from this Referral Agreement or your use of HardMoney.com’s referral platform, and after attempting good faith resolution, both you and HardMoney.com agree to submit the dispute to binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and Procedures.

  • Arbitration shall be conducted by a single arbitrator in accordance with the AAA rules, which are available at www.adr.org.
  • The arbitration will be held in New York, NY. Judgment upon the arbitration award may be entered in any court having jurisdiction.
  • This arbitration clause does not preclude either party from seeking injunctive relief in a court of competent jurisdiction when necessary to protect its rights.

By using HardMoney.com’s referral services, you acknowledge and agree to these dispute resolution terms.

Not Intended for Minors

The services provided by HardMoney.com are intended for use by adults only and are not directed to individuals under the age of 18. We do not knowingly collect or solicit any personally identifiable information from anyone under the age of 13. If you are under 13, please do not use our services or submit any personal information through the site. If we become aware that we have inadvertently received information from a child under 13, we will take steps to delete such information promptly in accordance with our Privacy Policy.

Electronic Communications

When you visit our Services or send us emails, you are communicating with us electronically. By using our Services, you consent to receive communications from us electronically. While we may occasionally choose to contact you via regular mail, we may also communicate with you via email or by posting notices on our Services. You agree that all agreements, notices, disclosures, and other communications provided to

you electronically satisfy any legal requirement that such communications be in writing.

No Representations or Warranties

All content, services, and products available through our Services are provided on an “as is” and “as available” basis. We make no warranties or representations of any kind, express or implied, as to the operation of our Services or the information, content, materials, products, or services included therein. Your use of our Services is at your sole risk.

We expressly disclaim all warranties, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, reliability, and non-infringement. We do not guarantee that the Services or any files available for download are free of harmful code or viruses. You are solely responsible for evaluating the accuracy and usefulness of any content, and for protecting your system from potential damage.

You acknowledge that:

  • We are not a bank, insurance provider, credit card company, or financial institution.
  • We are a platform that connects users to third-party service providers and bear no liability for their content or actions.
  • Our content is general in nature and does not consider your individual financial situation. You should consult your own financial advisors before making any decisions.

Our Services are operated from the United States. If you access our Services from outside the U.S., you do so at your own risk and are responsible for compliance with local laws.

Limitations on Our Liability

To the maximum extent permitted by law, neither we nor our affiliates, employees, officers, directors, shareholders, agents, or independent contractors shall be liable for any indirect, incidental, special, or consequential damages, including but not limited to lost profits or business opportunities, arising from:

  • Your use or inability to use our Services;
  • Any delay or failure in performance;
  • Any content obtained through the Services;
  • Your reliance on any information provided through the Services;
  • Any virus, malware, or harmful component downloaded from our Services;
  • Any third-party services, content, or interactions.

Our total liability to you for any claim arising out of or relating to this Agreement or your use of our Services shall not exceed one hundred U.S. dollars ($100).

You also agree that:

  • We are not liable for any offensive, defamatory, or illegal conduct of any third party.
  • Any claim or cause of action must be filed within one (1) year after it arises, or it is permanently barred.
  • If any limitation herein is deemed unenforceable, the statute of limitations of the State of South Carolina will apply.

Your Indemnification of Us

You agree to defend, indemnify, and hold harmless us and our officers, directors, employees, contractors, affiliates, agents, and shareholders from any and all claims, liabilities, damages, losses, and expenses (including legal fees) arising out of:

  • Your breach of this Agreement;
  • Your use of our Services;
  • Your user-generated content;
  • Any unauthorized access under your account;
  • Any violation of rights, including third-party intellectual property or privacy rights;
  • Any personal injury or property damage caused by you.

Amendments to this Agreement

We reserve the right to modify or update this Agreement at any time at our sole discretion, without prior notice. Material changes will be communicated, such as by posting a notice on our website or application. All changes become effective immediately upon posting. You are encouraged to periodically review this Agreement. Continued use of our Services constitutes your acceptance of any modifications.

The last updated date will be indicated at the top of this Agreement.

Our Remedies

You acknowledge that a breach of this Agreement may cause us irreparable harm for which monetary damages may be inadequate. Therefore, we shall be entitled to injunctive or equitable relief to prevent or remedy such a breach, without the need to post bond or prove actual damages.

Any action or proceeding relating to this Agreement must be brought in the courts of Lancaster County, South Carolina, or the United States District Court for the District of South Carolina, and you consent to jurisdiction in those courts.

Miscellaneous

If any provision of this Agreement is found to be unlawful, void, or unenforceable by an arbitrator or court of competent jurisdiction, the remaining provisions shall remain in full force and effect. Only the portion determined to be unlawful, void, or unenforceable shall be deemed severed from this Agreement.

The headings used in this Agreement are for reference purposes only and shall not affect the meaning or interpretation of any provision of this Agreement.

All covenants, agreements, representations, and warranties made in this Agreement, as amended from time to time, shall survive your acceptance of this Agreement and any termination thereof.

This Agreement, together with our Privacy Policy, constitutes the entire understanding and agreement between you and us concerning the subject matter herein, and supersedes all prior agreements, understandings, and representations related to such subject matter.

If you have any questions or communications related to the Services or this Agreement, please contact us at:

[email protected]

By providing us with your email address, postal address, or phone number, you consent to be contacted by us or our agents at those contact points (including via text message), in connection with the Services or our agreements with you, in accordance with our Privacy Policy.