HARMONIAL TERMS OF SERVICE

Welcome to Harmonial.

Harmonial, Inc. ("Harmonial," "we," "us," "our") provides a technology platform that allows users to submit loan information for the purpose of being matched with participating lenders who may offer real-estate investment loan products such as fix-and-flip, bridge, or other private-credit loans ("Services").

By using our website, platform, or Services, you agree to these Terms of Service ("Terms").

If you do not agree, do not use Harmonial.

1. Harmonial Is Not a Lender or Broker

Harmonial is not a lender, mortgage broker, loan originator, or financial advisor.

Harmonial does not make credit decisions, underwrite loans, fund loans, or guarantee approval.

All loan decisions, pricing, availability, and funding timelines are determined exclusively by participating lenders.

2. Eligibility

You must be:

• At least 18 years old, and
• Authorized to provide information for any business or entity listed in your application.

3. User Responsibilities

You represent and warrant that:

• All information you submit is true, complete, and accurate.
• You will update information promptly if it changes.
• You will not use the platform for illegal, fraudulent, or prohibited purposes.
• You will not use automated tools to scrape, extract, or copy platform content.

Harmonial is not responsible for delays, denials, or decisions caused by inaccurate or incomplete information.

4. Marketplace Matching

Harmonial uses algorithms, lender criteria, and user-submitted information to match applicants with lenders.

Matches are not recommendations or endorsements.

Harmonial does not guarantee:

• Approval
• Specific rates
• That you will receive soft terms or final terms
• That matched lenders are the best or lowest-cost option

Loan availability and pricing are determined solely by participating lenders.

5. Communications

By providing your contact information, you consent to receive:

• Emails
• Phone calls
• SMS/text messages
• Communications from lenders for loan evaluation

Standard carrier rates may apply.

6. Third-Party Interactions

Any transaction between you and a lender is solely between those parties.

Harmonial is not responsible for:

• Lender actions or omissions
• Lender communications
• Credit decisions
• Changes in terms
• Funding timelines
• Fees charged by lenders

You agree that Harmonial is not liable for any disputes between you and lenders.

7. No Financial, Legal, or Tax Advice

Information on the platform is for informational purposes only.

Harmonial does not provide financial, legal, investment, or tax advice.

8. Intellectual Property

All content, software, branding, and design are owned by Harmonial.

You may not copy, modify, reverse engineer, distribute, or commercially exploit platform materials.

9. Limitation of Liability

To the fullest extent permitted by law:

• Harmonial is not liable for indirect, incidental, consequential, or punitive damages.
• Harmonial's total liability for any claim is limited to $100.

This limitation applies even if Harmonial has been advised of the possibility of damages.

10. Indemnification

You agree to indemnify and hold Harmonial harmless from any claims, damages, losses, or expenses arising from:

• Your use of the platform
• Your interactions with lenders
• Your breach of these Terms
• Your inaccurate or fraudulent information

11. Termination

We may suspend or terminate access at any time for any reason, including fraud, misuse, or violations of these Terms.

12. Modifications

We may update these Terms at any time. Continued use of the platform constitutes acceptance of updated Terms.

13. Governing Law & Arbitration

These Terms are governed by the laws of the State of Delaware.

Mandatory Arbitration:

Any dispute arising from the Services or these Terms will be resolved through binding arbitration, not court or jury trial.

You waive the right to participate in class actions or class-wide arbitration.

14. Contact Information

Harmonial, Inc.

Email: deals@harmonial.ai