Terms of Service

Last updated: May 12, 2026

1. Introduction and Agreement

These Terms of Service ("Terms") govern your access to and use of Hard Money Lender San Francisco (the "Site"), operated by Lead Skills, LLC ("we," "our," or "us"). By accessing, browsing, or using the Site, or by submitting an inquiry through the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Site.

2. Our Role: Lead Generation Service

The Site is a lead-generation service that connects borrowers with participating hard money lenders who may be able to provide financing. We do not make loans, extend credit, take loan applications, issue loan commitments, set rates or terms, or make any credit decisions. All credit decisions, including loan approval, rates, terms, fees, and funding timelines, are made solely by the participating lender.

3. No Offer or Solicitation

Nothing on the Site constitutes an offer, solicitation, or commitment to lend, or an offer to sell any security or financial product. Information on the Site is provided for general informational purposes only and does not constitute legal, tax, financial, or investment advice. Submitting an inquiry does not guarantee that you will be matched with a lender or receive a loan offer.

4. Eligibility

To use the Site and submit an inquiry, you must be at least 18 years old and legally able to enter into a binding contract. You agree that all information you provide is accurate, current, and complete, and you agree to keep it up to date. Submitting false or misleading information may result in denial of your inquiry and may be unlawful.

5. Your Consent to Be Contacted

By submitting an inquiry and checking the applicable consent box, you provide your prior express written consent for one or more participating lenders to contact you at the phone number and email address you provide, including by autodialer, prerecorded or artificial voice, SMS/text message, and email, regarding your financing inquiry. You understand that your information will be shared with one or more participating lenders who may contact you. Consent is not a condition of receiving any services or obtaining a loan. Message and data rates may apply. Message frequency varies. You can opt out at any time by replying STOP to any text message or by calling 415-843-7543. A current list of participating lenders is available upon request.

6. Equal Opportunity

Hard Money Lender San Francisco connects borrowers with lenders who are Equal Opportunity Lenders. Participating lenders do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, or age.

7. Acceptable Use

You agree to use the Site only for lawful purposes and in accordance with these Terms. You will not:

Submit information about anyone other than yourself without authorization.
Use the Site to transmit unlawful, harassing, defamatory, or otherwise objectionable content.
Interfere with, disrupt, or attempt to gain unauthorized access to the Site or its related systems.
Use any automated means (bots, scrapers, crawlers) to access the Site except as permitted by our robots.txt.
Reverse engineer or attempt to extract source code from the Site.

8. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of Lead Skills, LLC or its licensors and is protected by United States and international intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works without our prior written permission.

9. Third-Party Links and Services

The Site may contain links to third-party websites and services, including those of participating lenders. We do not control and are not responsible for the content, privacy practices, or offerings of third parties. Your interactions with any third party, including any participating lender, are solely between you and that third party.

10. Disclaimers

THE SITE AND ALL CONTENT, INFORMATION, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR AVAILABILITY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT ANY INQUIRY WILL RESULT IN A MATCH OR A LOAN OFFER.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LEAD SKILLS, LLC, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY INTERACTION WITH A PARTICIPATING LENDER, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

12. Indemnification

You agree to indemnify, defend, and hold harmless Lead Skills, LLC and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site, your breach of these Terms, your violation of any law, or your infringement of any third-party right.

13. Governing Law

These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of California, without regard to its conflict-of-laws principles. You consent to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California for any action not subject to arbitration.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes take effect constitutes acceptance of the updated Terms.

15. Contact

Questions about these Terms may be sent to:

Lead Skills, LLC
d/b/a Hard Money Lender San Francisco
415 Mission St
San Francisco, CA 94105
Email: [email protected]
Phone: 415-843-7543