Terms of Use

2. NO LOAN OFFER OR COMMITMENT

Information presented on the Website is provided for general informational purposes and does not constitute an offer, commitment, approval, or guarantee to extend credit.

Submission of a contact form, inquiry, email, telephone call, or other communication does not create a lender-borrower relationship, loan agreement, financing commitment, or obligation on the part of Fetra Corp to provide financing.

Any financing provided by Fetra Corp, if applicable, will be subject to the applicable application, underwriting, documentation, approval, legal, and closing requirements.

No financing transaction is binding unless and until the applicable definitive agreements and documents have been executed by the appropriate parties.

3. ELIGIBILITY AND UNDERWRITING

Eligibility for financing depends on the applicable lending program and the circumstances of the proposed transaction.

Fetra Corp may consider information relevant to a financing request, including information concerning the borrower, property, transaction, and intended purpose of financing, as permitted by applicable law and the applicable lending program.

Submitting information through the Website does not guarantee eligibility, approval, pricing, funding, or any particular loan terms.

Fetra Corp reserves the right to determine whether a proposed transaction is eligible for consideration under an applicable lending program, subject to applicable law.

4. BUSINESS-PURPOSE AND INVESTMENT TRANSACTIONS

Fetra Corp's Website describes financing for real estate investors and business-purpose borrowers.

Whether a particular transaction qualifies as business-purpose or commercial credit is determined based on the facts and circumstances of that transaction and applicable law.

A borrower or website visitor should not rely solely on a label such as “business-purpose,” “investment property,” or “non-QM” to determine the legal or regulatory status of a particular transaction.

Regulation Z generally exempts business, commercial, agricultural, and organizational credit, but the applicable purpose of a transaction must be determined based on the relevant facts.

5. NO FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE

Information on the Website is general information and is not intended to constitute:

• Legal advice
• Tax advice
• Accounting advice
• Investment advice
• Financial planning advice
• Real estate brokerage advice
• Personalized financial advice

You should consult an appropriately qualified professional regarding your individual circumstances before making legal, tax, investment, or financial decisions.

6. WEBSITE INFORMATION MAY CHANGE

Fetra Corp makes reasonable efforts to keep Website information current and accurate.

However, information may change and may not always reflect the most current product availability, requirements, pricing, underwriting criteria, or lending practices.

Fetra Corp does not guarantee that all Website information is complete, current, accurate, or applicable to your individual situation.

The most current terms applicable to a financing transaction are those contained in the applicable loan documents and other official transaction documentation.

7. NO GUARANTEE OF RESULTS

Fetra Corp does not guarantee:

• Loan approval
• Financing availability
• Funding
• A particular interest rate
• A particular loan amount
• A particular loan term
• A particular closing date
• A particular investment outcome
• Profitability of an investment
• Appreciation in property value
• Rental income
• Successful resale of a property
• Any particular financial result

Past outcomes, examples, or statements about financing should not be interpreted as guarantees of future results.

8. USER-SUBMITTED INFORMATION

When you submit information through the Website, you represent that:

• The information you provide is accurate to the best of your knowledge;
• You have the right to provide the information;
• You are not knowingly submitting fraudulent or misleading information;
• Your submission does not violate applicable law or the rights of another person.

You should not submit confidential or highly sensitive information through a general Website form unless Fetra Corp specifically requests that information through an approved secure process.

Your submission of information does not itself create a contractual relationship with Fetra Corp.

9. ELECTRONIC COMMUNICATIONS

When you contact Fetra Corp electronically, you consent to receiving communications reasonably necessary to respond to your inquiry, subject to applicable law.

Electronic communications may include email, telephone, text messaging, or other communication methods you provide or authorize.

You may be asked to provide additional consent before receiving certain marketing communications where required by law.

10. INTELLECTUAL PROPERTY

Unless otherwise stated, the Website and its contents are owned by or licensed to Fetra Corp and are protected by applicable intellectual property laws.

This includes, where applicable:

• Text
• Logos
• Branding
• Graphics
• Images
• Design elements
• Website layout
• Original articles
• Other Website content

You may access and use the Website for your personal or legitimate business purposes.

You may not, without prior written permission:

• Copy substantial portions of the Website;
• Reproduce or republish Website content;
• Sell or commercially exploit Website content;
• Modify Website materials for redistribution;
• Use Fetra Corp's trademarks or branding in a misleading manner;
• Scrape or systematically extract Website content for commercial purposes.

11. ACCEPTABLE USE

You agree not to use the Website to:

• Violate applicable law;
• Submit fraudulent or misleading information;
• Attempt to gain unauthorized access to systems;
• Interfere with Website security or functionality;
• Introduce malicious software;
• Scrape or harvest information in a manner that violates applicable law;
• Impersonate another person or organization;
• Attempt to interfere with another user's access;
• Use the Website for unlawful, abusive, or fraudulent purposes.

Fetra Corp may restrict or terminate access to the Website where reasonably necessary to protect the Website, its users, its systems, or its legal rights.

12. THIRD-PARTY SERVICES AND LINKS

The Website may contain links to third-party websites, services, or resources.

These links are provided for convenience or informational purposes.

Fetra Corp does not necessarily endorse third-party websites or guarantee their accuracy, availability, security, or practices.

Your use of third-party websites is governed by the applicable third party's terms and policies.

13. WEBSITE AVAILABILITY

Fetra Corp does not guarantee that the Website will:

• Always be available;
• Operate without interruption;
• Be free from errors;
• Be free from security vulnerabilities;
• Be compatible with every device or browser.

We may modify, suspend, or discontinue portions of the Website at any time.

14. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

FETRA CORP DISCLAIMS WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY, EXCEPT TO THE EXTENT SUCH DISCLAIMERS ARE PROHIBITED BY LAW.

NOTHING IN THESE TERMS EXCLUDES OR LIMITS A RIGHT OR REMEDY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED.

15. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FETRA CORP AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FETRA CORP'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE WILL NOT EXCEED THE GREATER OF:

• THE AMOUNT YOU PAID TO FETRA CORP, IF ANY, FOR ACCESS TO THE WEBSITE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR
• ONE HUNDRED U.S. DOLLARS ($100).

Nothing in these Terms limits liability that cannot legally be limited or excluded under applicable law.

16. INDEMNIFICATION

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Fetra Corp and its owners, officers, employees, contractors, service providers, and affiliates from claims, liabilities, damages, losses, and reasonable expenses arising out of:

• Your violation of these Terms;
• Your misuse of the Website;
• Your violation of applicable law;
• Your infringement of another person's rights; or
• Information you knowingly submit that is fraudulent, unlawful, or misleading.

This provision does not require you to indemnify Fetra Corp for its own unlawful conduct or any matter for which indemnification cannot legally be required.

17. GOVERNING LAW

These Terms will be governed by the laws of the State of New York, without regard to its conflict-of-law principles, except to the extent applicable federal law or mandatory state law provides otherwise.

18. DISPUTE RESOLUTION

Any dispute-resolution provisions applicable to the Website or a financing relationship should be governed by the applicable executed agreement and applicable law.

No mandatory arbitration provision is included in these Website Terms because Fetra's actual contracting structure and counsel-approved dispute-resolution terms have not been provided.

Where a separate agreement between Fetra Corp and another party contains dispute-resolution provisions, that agreement will govern to the extent applicable.

19. SEVERABILITY

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.

20. NO WAIVER

Fetra Corp's failure to enforce any provision of these Terms does not constitute a waiver of its right to enforce that provision later.

21. ENTIRE AGREEMENT

These Terms, together with any policies or notices expressly incorporated by reference, constitute the agreement governing your use of the Website.

They do not replace or modify any separate loan agreement, financing agreement, privacy notice, disclosure, or other written agreement applicable to a particular transaction.

22. CHANGES TO THESE TERMS

Fetra Corp may update these Terms from time to time.

The updated version will be posted on the Website with a revised “Last Updated” date.

Your continued use of the Website after the effective date of updated Terms constitutes acceptance of the updated Terms to the extent permitted by applicable law.

23. CONTACT US

Questions regarding these Terms may be directed to: