Terms of Use & Legal Disclosures

Welcome to the website of Felspar Lending LLC (“Felspar Lending,” “we,” “our,” or “us”), a wholly owned subsidiary of Felspar Capital LLC (“Felspar Capital”). By accessing or using this website (the “Site”), you agree to be bound by these Terms of Use and all applicable laws. If you do not agree, please do not use this Site. We may update these Terms at any time without prior notice.

1. Use of Website

   The information on this Site is provided for general informational purposes only and does not constitute financial, legal, or investment advice. Accessing or submitting information through this Site does not create any lender–borrower, client, fiduciary, or investment-advisor relationship between you and Felspar Lending or Felspar Capital.

2. Business-Purpose Loans Only

   All loans originated, arranged, or funded by Felspar Lending are strictly for business or investment purposes and may not be used for personal, family, or household purposes. Felspar Lending does not originate or arrange owner-occupied residential mortgages or consumer credit transactions. All loans are exempt from the federal Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA). Borrowers must represent and warrant that each loan is for business, commercial, or investment purposes and that no property securing a loan will be owner-occupied.

3. Investor Information and Securities Law Disclosure

   Information on this Site concerning investment opportunities is intended solely for accredited investors as defined under Rule 501(a) of Regulation D of the Securities Act of 1933. Any offering of securities will be made only through definitive offering documents delivered to verified accredited investors and will rely on Rule 506(c) of Regulation D. Nothing on this Site constitutes an offer to sell or a solicitation of an offer to buy any security in any jurisdiction where such offer or solicitation would be unlawful. Past performance is not indicative of future results, and no guarantee of any return or repayment is expressed or implied.

4. No Commitment to Lend

   Any loan terms, rate examples, or product descriptions appearing on this Site are for informational purposes only and do not constitute a commitment to lend, an offer, or a loan approval. All loans are subject to full underwriting, due diligence, satisfactory valuation, title review, and executed documentation. Felspar Lending reserves the right to modify or withdraw loan programs at any time.

5. Equal Credit Opportunity

   Felspar Lending LLC is an equal-opportunity business-purpose lender and does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, or any other protected characteristic in any aspect of a credit transaction.

6. Privacy and Data Use

   Information submitted through this Site may be collected and used by Felspar Lending or Felspar Capital for legitimate business purposes, including credit evaluation, investor verification, and marketing of business-purpose lending opportunities. We do not sell or rent personal information. For more details, please refer to our separate Privacy Policy.

7. Intellectual Property

   All content, design, text, graphics, and logos on this Site are owned by Felspar Capital LLC and are protected by applicable copyright, trademark, and intellectual-property laws. No material from this Site may be copied, reproduced, distributed, or otherwise used without prior written consent of Felspar Capital LLC.

8. Limitation of Liability

   Neither Felspar Lending LLC, Felspar Capital LLC, nor any of their affiliates shall be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or relating to your use of this Site, any linked sites, or the information contained herein.

9. Governing Law and Venue

   These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law principles. Any disputes arising from use of this Site shall be resolved exclusively in the state or federal courts located in Delaware.

10. Acknowledgment

    By accessing or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.