Terms and Conditions
Legal Terms Governing Your Use of SH Private Lenders Services
Last Updated: January 2025
Agreement to Terms
By accessing and using the SH Private Lenders website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not use our services.
These terms apply to all visitors, users, and others who access or use our lending services, website, or related platforms.
Lending Services
Loan Products
SH Private Lenders provides hard money loans for real estate investments, including but not limited to:
- Fix-and-Flip Loans
- Bridge Loans
- Rental Property Loans
- Construction Loans
- Cash-Out Refinance Loans
Eligibility Requirements
To qualify for our lending services, borrowers must:
- Be at least 18 years of age
- Provide valid identification and documentation
- Have a viable real estate investment project
- Meet our underwriting criteria
- Provide accurate and complete information in loan applications
Loan Terms
All loan terms, including interest rates, fees, repayment schedules, and collateral requirements, will be specified in individual loan agreements. These terms are subject to:
- Credit review and property evaluation
- Market conditions at time of application
- Borrower qualifications and experience
- Property type and condition
Application Process
Information Accuracy
You agree to provide accurate, current, and complete information during the loan application process. Providing false or misleading information may result in:
- Denial of your loan application
- Immediate termination of any existing loan agreement
- Legal action for fraud or misrepresentation
No Guarantee of Approval
Submission of a loan application does not guarantee approval. SH Private Lenders reserves the right to approve or deny any application at our sole discretion based on our underwriting standards and risk assessment.
Application Fees
Certain application and processing fees may apply. These fees will be clearly disclosed before you submit your application and are typically non-refundable regardless of loan approval status.
Borrower Obligations
Repayment Responsibilities
Borrowers are legally obligated to:
- Repay the full loan amount plus interest according to the agreed schedule
- Make timely payments as specified in the loan agreement
- Maintain adequate insurance on collateral property
- Pay all property taxes and assessments
- Keep collateral property in good condition
Default and Consequences
Failure to meet loan obligations may result in:
- Late payment fees and penalties
- Acceleration of the full loan balance
- Foreclosure proceedings on collateral property
- Negative impact on credit rating
- Legal action to recover outstanding amounts
Communication
Borrowers must maintain open communication with SH Private Lenders and promptly notify us of any issues that may affect loan repayment, including property damage, construction delays, or financial hardship.
Website Use and Restrictions
Permitted Use
Our website is provided for legitimate business purposes related to real estate lending. You may use our site to:
- Learn about our lending products and services
- Submit loan applications
- Access resources and educational content
- Contact us for inquiries
Prohibited Activities
You may not:
- Use automated systems to access or scrape website content
- Attempt to gain unauthorized access to our systems
- Distribute malware or harmful code
- Impersonate SH Private Lenders or our representatives
- Use our website for any illegal purposes
- Interfere with the proper functioning of our website
Intellectual Property Rights
All content on the SH Private Lenders website, including text, graphics, logos, images, software, and design elements, is the property of SH Private Lenders or its licensors and is protected by copyright, trademark, and other intellectual property laws.
Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes. This license does not include the right to:
- Reproduce or distribute website content
- Create derivative works
- Use content for commercial purposes without permission
- Remove or modify copyright notices
Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference.
Data Collection
We collect information necessary to process loan applications and provide services, including:
- Personal identification information
- Financial information and credit history
- Property information and documentation
- Communications with our team
Data Security
We implement industry-standard security measures to protect your information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
Disclaimers and Limitations
No Investment Advice
SH Private Lenders provides lending services only. We do not provide investment, legal, tax, or financial advice. Information on our website is for general informational purposes and should not be considered professional advice.
Website Accuracy
While we strive to maintain accurate and current information on our website, we make no representations or warranties about the completeness, accuracy, or reliability of any information. Interest rates, terms, and conditions are subject to change without notice.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. Accessing third-party links is at your own risk.
Limitation of Liability
To the fullest extent permitted by law, SH Private Lenders shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website, including but not limited to:
- Investment losses
- Property value fluctuations
- Market changes
- Business interruptions
- Data loss or breaches beyond our control
Governing Law and Dispute Resolution
Applicable Law
These Terms and Conditions are governed by the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in Cook County, Illinois.
Dispute Resolution
In the event of any dispute arising from these terms or our services, parties agree to first attempt resolution through good-faith negotiation. If negotiation fails, disputes may be subject to binding arbitration or litigation as specified in individual loan agreements.
Modifications to Terms
SH Private Lenders reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
We encourage you to review these terms periodically. The "Last Updated" date at the top of this page indicates when terms were last revised.
Material Changes: For significant changes that materially affect your rights or obligations, we will make reasonable efforts to notify you via email or prominent notice on our website.
Questions About These Terms?
If you have questions or concerns about these Terms and Conditions, please contact us:
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