Terms of Use

These Terms of Use shall become effective as of July 30, 2025.

Introduction

This is a legal agreement between you and CX Lending, LLC, dba, Lords of Lending, a limited liability company (“Lords of Lending”), located at 3001 Wrightsville Ave., Suite A, Wilmington, NC 28403. By accessing this website and any of its sub-sites (collectively, the “Site”) and/or using any of the services available through the Site (collectively, the “Services”), you become a user and agree to be bound by the terms and conditions of this agreement and the CX Lending Privacy Policy (collectively, the “Terms”). IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, DO NOT USE THE SITE OR THE SERVICES.

THESE TERMS REQUIRE THAT ANY DISPUTES BETWEEN YOU AND LORDS OF LENDING BE RESOLVED THROUGH BINDING ARBITRATION, THAT YOU WAIVE THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, AND THAT THE LAW OF THE STATE OF NORTH CAROLINA GOVERNS ALL INTERACTIONS BETWEEN YOU AND LORDS OF LENDING.

1. Description of Services

Lords of Lending provides various business services (collectively, the “Services”) that customers may use through the Site. Lords of Lending reserves the right to cancel any portion of its Services at any time.

a. Marketplace Services — Lords of Lending connects qualified small business owners with active banks, credit unions, and other funding sources. We help business owners identify the type of funding and specific funders that may offer them an opportunity to prepare for and acquire a business loan.

b. Other Miscellaneous Services — Lords of Lending may add additional products and services over time, and these Terms will apply to those additional services.

2. Use of Site and Service

As a user of the Site or a registered user of any Services (a “Registered User”), you agree to the following:

• Exclusive Use: Your account is for your use only and solely for your business needs.
• Information Submitted: You are solely responsible for the information and content you provide through the Site and Services.
• Risk Assumption: You assume all risks when using the Services, including interactions with third parties.
• No Guarantees: Lords of Lending does not guarantee matches for every individual or business.
• No False Information: You agree to provide accurate, true, current, and complete information.
• Legal Purpose: You agree not to use the Site or Services for any illegal purpose.
• Business Purpose: You agree to use the Site or Services only for bona fide business purposes and not for personal, family, or household purposes.

3. Intellectual Property Rights

You acknowledge that Lords of Lending owns all rights to the Site and Services, which are protected by federal, state, and local laws. You may not copy, reproduce, distribute, create derivative works, reverse engineer, or reverse compile any of the Site or Services or technology.

By providing information or content to any account or public area of the Site or Service, you automatically grant Lords of Lending and its users an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display, and distribute such information and content.

4. Links to Third-Party Websites

The Site and Services may contain links to third-party websites, including advertisers, which are not under the control of Lords of Lending. Lords of Lending is not responsible for the content of any linked site. Your dealings with advertisers or third parties found on or through the Site or Services are solely between you and such advertiser or third party.

5. Disclaimer of Warranty

LORDS OF LENDING PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS AND MAKES NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, REGARDING THE SERVICES OR THE SITE. THIS INCLUDES ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

6. Limitation of Liability

IN NO EVENT WILL LORDS OF LENDING BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THE SERVICES. UNDER NO CIRCUMSTANCES WILL LORDS OF LENDING’S AGGREGATE LIABILITY EXCEED THE PRICE PAID BY YOU FOR YOUR ACCOUNT OR SUBSCRIPTION, OR, IF YOU HAVE NOT PAID LORDS OF LENDING FOR THE USE OF ANY SERVICES, THE AMOUNT OF USD $25.00.

7. Indemnification

You agree to indemnify, defend, and hold harmless Lords of Lending, its officers, directors, employees, agents, and third parties, from any losses, costs, liabilities, and expenses relating to or arising out of your use of or inability to use the Site or Services, any user postings made by you, your violation of any terms of these Terms or any rights of a third party, or your violation of any applicable laws, rules, or regulations.

8. User Information

For information about the collection and possible use of information and material you provide, please visit Lords of Lending’s Privacy Policy on the Site. By using the Site or Services, you consent to the terms of Lords of Lending’s Privacy Policy.

By using the Site and/or Services, you agree to allow Lords of Lending to anonymously use the information from you and your experiences to continue research into successful business practices and to improve the Services.

9. Restrictions

• You may not use the Services as a money services business, money transmitter, or payment intermediary.
• You may not use the Services on behalf of a third party.
• You may not create a similar product or service through use of or access to the Services.
• You may not use the Services in violation of any law, regulation, or rule.
• You may not use the Services for personal bank accounts.

10. Dispute Resolution by Binding Arbitration

To resolve disputes between you and Lords of Lending in the most efficient and cost-effective manner, both parties agree that any dispute may be resolved through binding arbitration instead of in court. Arbitration is less formal than a lawsuit, uses a neutral arbitrator instead of a judge or jury, and is subject to limited court review. Any arbitration under these Terms will be on an individual basis; class arbitrations and class actions are not permitted.

Any arbitration will be governed by the Commercial Dispute Resolution Procedures of the American Arbitration Association (“AAA”). A party intending to seek arbitration must first send a written Notice of Dispute by certified mail to: Lords of Lending, 3001 Wrightsville Ave., Suite A, Wilmington, NC 28403.

Opt-Out: If you are a new user, you can opt out of the arbitration agreement by mailing a written Opt-Out Notice within thirty (30) days after accepting these Terms.

11. Telephone Communications

You acknowledge that calls to or from Lords of Lending may be monitored and recorded. By voluntarily providing your telephone number(s), you expressly agree to receive artificial voices, prerecorded voice messages, and/or autodialed calls and text messages from Lords of Lending related to promotions, your account, and your relationship with Lords of Lending.

To opt out of calls, call us at (805) 244-5032 or email team@lordsoflending.com. To opt out of text messages, reply STOP to any text message you receive from us.

12. General Provisions

You agree that North Carolina law (without giving effect to its conflicts of law principles) will govern these Terms, the Site and the Services and that any dispute will be subject to the exclusive jurisdiction and venue of the federal and state courts in Mecklenburg County, North Carolina.

These Terms, which you accept upon registration for the Services, the Privacy Policy located on the Site, and any applicable payment, renewal, additional services terms, comprise the entire agreement between you and Lords of Lending regarding the use of this Service.

13. Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, artwork, and computer code contained on the Site is owned by Lords of Lending and is protected by trade dress, copyright, trademark, and other property laws.

14. Confidentiality

We will take every reasonable precaution to protect your account and account information. You agree and acknowledge that the security of your data is your responsibility. Your use of the Services is further governed by our Privacy Policy.

15. Notification of Terms of Use Changes

We may update these Terms of Use to reflect changes. If we make any material changes we will notify you by email or by means of a notice on this Site.

16. Term and Termination

This agreement will become effective upon your acceptance of the Terms by your use of the Site or Services and will remain in effect in perpetuity unless terminated. Lords of Lending may terminate your account at any time, for any reason or no reason, without explanation, effective upon written notice. You may terminate your account by contacting us.

17. Contact Information

If you have any questions about these Terms, please contact us at: