Last Updated: October 1, 2026

These Terms and Conditions are made up of two documents: the Website Terms of Use, which apply to everyone who visits financelobby.com, and the Platform Terms of Service, which apply in addition to everyone who holds a Finance Lobby account.

Website Terms of Use

Finance Lobby, LLC | Effective October 1, 2026

PLEASE READ THESE TERMS OF USE CAREFULLY. THEY CONTAIN A BINDING ARBITRATION PROVISION, A CLASS ACTION WAIVER, AND A JURY TRIAL WAIVER IN ARTICLE 17, WHICH AFFECT HOW DISPUTES BETWEEN YOU AND FINANCE LOBBY ARE RESOLVED. THEY ALSO CONTAIN LIMITATIONS ON OUR LIABILITY IN ARTICLE 15.

1. ACCEPTANCE AND SCOPE

1.1 The Agreement. These Website Terms of Use (the “Website Terms”) govern your access to and use of the website located at financelobby.com and any successor or affiliated sites, together with all pages, content, tools, data, and functionality made available through them (collectively, the “Site”). The Site is operated by Finance Lobby, LLC, a limited liability company with its principal place of business at 1680 Michigan Avenue, Miami Beach, Florida 33139 (“Finance Lobby,” “we,” “our,” or “us”).

1.2 Acceptance. By accessing, browsing, or otherwise using any part of the Site, you agree to be bound by these Website Terms and by our Privacy Policy, which is incorporated into these Website Terms by this reference. If you do not agree to these Website Terms, you must not access or use the Site.

1.3 Relationship to the Platform Terms of Service. These Website Terms govern use of the Site by all visitors, whether or not they hold an account. If you register for an account, you will separately be required to review and affirmatively accept the Finance Lobby Platform Terms of Service applicable to your selected role as a broker, borrower, or lender (the “Platform Terms”). The Platform Terms are in addition to, and not in substitution for, these Website Terms. In the event of a conflict between these Website Terms and the Platform Terms with respect to account holder activity on the platform, the Platform Terms control. In the event of a conflict between either document and a separately executed written agreement signed by an authorized officer of Finance Lobby, that executed agreement controls.

1.4 Other Terms. Certain programs, features, and offerings are governed by supplemental terms, including without limitation the Finance Lobby Partner Program Terms and the SMS Text Messaging Program Terms set out in Schedule A. Those supplemental terms are incorporated by reference when you participate in the applicable program and control over these Website Terms as to that program only.

1.5 Electronic Communications and Records. You consent to receive communications from us electronically, including by email and through the Site, and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You may withdraw this consent by discontinuing use of the Site and closing any account you hold, although we may still be required to send you certain communications relating to that account.

2. ELIGIBILITY

2.1 Age and Capacity. The Site is intended solely for individuals who are at least eighteen (18) years of age and who have the legal capacity to enter into binding contracts. By using the Site, you represent and warrant that you meet these requirements.

2.2 Business Use Only. The Site is offered exclusively for business and commercial purposes in connection with commercial real estate finance. The Site is not directed to consumers, is not offered for personal, family, or household purposes, and may not be used to seek, offer, arrange, or evaluate consumer credit. Financing sought, offered, or discussed through the Site must be for business, commercial, or investment purposes only.

2.3 Geographic Scope. The Site is operated from the United States and is intended for users located in the United States. We make no representation that the Site, or any content or data available through it, is appropriate, lawful, or available for use in any other jurisdiction. If you access the Site from outside the United States, you do so on your own initiative and are solely responsible for compliance with all applicable local laws.

2.4 Restricted Parties. You represent and warrant that you are not, and are not acting on behalf of any person or entity that is, (a) located in, organized under the laws of, or ordinarily resident in any country or territory subject to comprehensive United States sanctions, or (b) identified on any list of restricted or prohibited parties maintained by the United States government, including the Specially Designated Nationals and Blocked Persons List maintained by the Office of Foreign Assets Control.

3. NATURE OF THE SITE; NO ADVISORY RELATIONSHIP

3.1 What Finance Lobby Is. The Site provides an information technology platform and forum through which prospective borrowers, mortgage and finance brokers, and prospective lenders in the commercial real estate sector may identify one another, exchange information about prospective financing transactions, and communicate.

3.2 What Finance Lobby Is Not. Finance Lobby is not a lender, a mortgage broker, a real estate broker, a loan originator, an investment adviser, a broker dealer, a financial institution, an appraiser, an accountant, or a law firm. Finance Lobby does not originate, underwrite, fund, purchase, sell, service, or participate in any loan. Finance Lobby is not an agent, partner, fiduciary, or representative of any user and owes no duty of loyalty, care, or best execution to any user. Finance Lobby is not a party to, and has no involvement in, any transaction between users. Every transaction, and every decision to enter into or decline a transaction, occurs between the users themselves and off of the Site.

3.3 No Professional Advice. All content made available on or through the Site, including without limitation calculator outputs, interest rate information, market and comparable property data, expense benchmarks, neighborhood and market intelligence, underwriting analyses, deal memoranda, blog posts, market reports, and any output generated by artificial intelligence features, is provided for general informational purposes only. It does not constitute and must not be relied upon as legal, tax, accounting, appraisal, valuation, investment, brokerage, credit, or other professional advice, and it is not a recommendation to enter into, decline, or price any transaction. You should obtain independent professional advice before acting on any information obtained from the Site.

3.4 No Offer or Commitment. Nothing on the Site constitutes an offer, commitment, solicitation, or invitation to lend, to borrow, or to enter into any transaction on any particular terms. Any indication of interest, term sheet, or quote transmitted through the Site is subject in all respects to the issuing party’s own underwriting, credit approval, documentation, and closing conditions, and creates no obligation on the part of Finance Lobby.

4. PUBLICLY AVAILABLE TOOLS AND CONTENT

4.1 Generally. Certain areas of the Site are available without an account, including the lender directory, the mortgage calculator, the interest rate page, limited previews of comparable property information, and certain blog and educational content. Access to these areas is subject to these Website Terms and may be modified, limited, suspended, or discontinued at any time without notice.

4.2 Lender Directory. The lender directory displays information about lending institutions and lending professionals, including information supplied by those parties, information supplied by other users of the platform, and information compiled from other sources. Finance Lobby does not verify, and makes no representation or warranty regarding, the accuracy, currency, completeness, licensing status, regulatory standing, lending authority, capacity, or willingness to transact of any party listed in the directory. Inclusion in the directory does not indicate that the listed party has any relationship with Finance Lobby, has agreed to any terms with Finance Lobby, has endorsed Finance Lobby, or is available to quote any transaction. A listed party may request correction or removal of its listing as described in Article 20.

4.3 Verification Indicators. Any badge, label, tier, or similar indicator displayed in connection with a listing, including any indicator using the word “verified,” reflects an internal administrative designation only. It is not a representation by Finance Lobby that any license, registration, authorization, accreditation, program eligibility, or other credential has been confirmed, and it must not be relied upon for that purpose. Some indicators are associated with paid placement. You are solely responsible for conducting your own diligence on any counterparty.

4.4 Calculators and Rate Information. The mortgage calculator and any other calculation tool on the Site produce illustrative estimates based solely on the inputs and assumptions you supply. Interest rate information is compiled from publicly available sources, including United States government data series, and in some cases is entered manually by our personnel. Rate information may be delayed, incomplete, or inaccurate, does not represent an offer of credit, and does not represent rates available to you or to any particular transaction.

4.5 Previews and Sample Data. Certain features displayed to users who are not logged in, including previews of comparable property information, present illustrative sample data for demonstration purposes only. Sample data does not reflect actual properties, actual transactions, or actual market conditions and must not be relied upon for any purpose. Access to actual data, where available, requires an account and is subject to the Platform Terms.

4.6 Third Party Data. Portions of the data made available on the Site, including comparable sales and rent information, operating expense benchmarks, market metrics, and rate information, are licensed from or compiled from third party sources. That data is provided on an as is basis, is subject to the terms and restrictions imposed by the applicable source, and may not be extracted, redistributed, resold, sublicensed, or used to construct a competing data set or product. Finance Lobby does not independently verify third party data and disclaims all liability for it.

4.7 Third Party Artificial Intelligence Links. Certain features of the Site, including any feature that invites you to ask a question of an artificial intelligence assistant, operate by transmitting you to a third party service that is not owned, operated, or controlled by Finance Lobby. When you use such a feature, your query and any information you provide are submitted to that third party and are governed by that third party’s terms of service and privacy policy, not by ours. Finance Lobby does not review, endorse, or take responsibility for any response generated by a third party service, and any such response is subject to Section 3.3.

4.8 Statistics and Descriptive Figures. Aggregate figures displayed on the Site describing platform scale, participation, or transaction volume are estimates presented for general descriptive purposes. They are not audited, are not warranted as accurate or current, and do not form part of any agreement between you and Finance Lobby.

5. ACCOUNTS

5.1 Registration. Some features require an account. You agree to provide accurate, current, and complete information during registration and to keep that information updated. You may be required to verify a mobile telephone number by one time passcode as part of registration.

5.2 Truthful Identity. You represent and warrant that you are registering under your own true identity and contact information and that you are not registering under an alias, a fictitious identity, or the identity or contact information of another person or entity without that party’s authorization. Where you register on behalf of an organization, you represent and warrant that you are authorized to bind that organization, and “you” refers to both you individually and that organization.

5.3 One Role Per Account. Each account is associated with a single role. If you require access in more than one capacity, you must maintain separate accounts and each account is separately subject to the Platform Terms applicable to its role. You are responsible for all activity under each account you control.

5.4 Credentials. You are responsible for maintaining the confidentiality of your credentials and for all activity occurring under your account. You must notify us promptly at info@financelobby.com of any unauthorized access or suspected compromise. We are not liable for any loss arising from unauthorized use of your account.

6. LICENSE AND PERMITTED USE

6.1 Limited License. Subject to your continuing compliance with these Website Terms, Finance Lobby grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and view the Site on an internet connected device and to make single copies or prints of Site content for your own internal business use in evaluating or pursuing a commercial real estate financing transaction.

6.2 Reservation of Rights. All rights not expressly granted are reserved. No license is granted by implication, estoppel, or otherwise. The license in Section 6.1 terminates automatically upon any breach of these Website Terms.

7. PROHIBITED CONDUCT

You agree that you will not, and will not permit, assist, or encourage any other person to:

7.1 use the Site for any unlawful purpose or in violation of any applicable law, statute, ordinance, or regulation, including securities, lending, licensing, privacy, anti-money laundering, and sanctions laws;

7.2 harvest, scrape, index, crawl, spider, data mine, or otherwise retrieve, extract, copy, or store any content, listing, contact record, or data from the Site by automated or manual means, whether or not for commercial purposes;

7.3 access or attempt to access the Site by any automated means, including any bot, script, agent, crawler, headless browser, or artificial intelligence agent, except that we permit general purpose search engine indexing to the extent expressly authorized in our robots.txt file as published from time to time. Finance Lobby does not offer a public, partner, or enterprise application programming interface, and any automated or programmatic access not expressly authorized in writing by Finance Lobby is prohibited;

7.4 use any content, listing, or data obtained from the Site to train, fine tune, benchmark, evaluate, retrieve against, or otherwise develop or improve any machine learning model, large language model, or artificial intelligence system, or to create any embedding, vector representation, index, or derivative data set from Site content;

7.5 copy, reproduce, republish, license, sell, rent, lease, distribute, transmit, or repurpose any content or data from the Site for use in or in connection with any other website, application, blog, product, service, or data set;

7.6 use the Site, or any content or data obtained from it, in connection with any product, service, or activity that competes with Finance Lobby, or for the purpose of building, marketing, or improving a competing product or service;

7.7 reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, object code, underlying structure, algorithms, models, or know how of the Site or any part of it, or modify, translate, or create derivative works based on any part of the Site;

7.8 remove, obscure, or alter any copyright, trademark, or other proprietary notice;

7.9 circumvent, disable, probe, scan, or otherwise interfere with or attempt to compromise any security control, access control, rate limit, authentication mechanism, or usage limitation of the Site, or access any account, data, or portion of the Site that you are not authorized to access;

7.10 introduce any virus, worm, malicious code, or other harmful component, or take any action that imposes an unreasonable or disproportionately large load on our infrastructure;

7.11 send unsolicited commercial communications, advertising, or promotional content to other users, or use the Site to market products or services other than as expressly permitted by these Website Terms and the applicable Platform Terms;

7.12 submit any content or information that is false, misleading, fraudulent, unlawful, defamatory, harassing, obscene, discriminatory, or that infringes or misappropriates the rights of any third party; or

7.13 create multiple accounts to evade any limitation, suspension, or termination, or permit any other person to use your account.

Finance Lobby reserves the right to investigate any suspected violation, to preserve and disclose relevant records as permitted by law, and to suspend or terminate access immediately and without notice pending or following investigation. Finance Lobby also reserves all rights and remedies available at law and in equity, including under the Computer Fraud and Abuse Act, applicable state computer crime and trespass statutes, and the law of contract.

8. INTELLECTUAL PROPERTY

8.1 Our Property. The Site and all text, graphics, user interfaces, visual interfaces, photographs, designs, compilations, data, code, software, marks, logos, trade dress, and other content originating from Finance Lobby are owned by Finance Lobby or its licensors and are protected by United States and international copyright, trademark, trade dress, patent, and other intellectual property laws.

8.2 Third Party Marks. All third party names, marks, logos, and registered trademarks that may appear on the Site are the property of their respective owners. Their display does not imply any sponsorship, endorsement, affiliation, partnership, or approval, and is intended solely to identify the party to which the mark relates. Any owner of a mark displayed on the Site may request removal as described in Article 20, and we will act on any such request promptly.

8.3 Feedback. If you provide suggestions, ideas, enhancement requests, or other feedback regarding the Site, you grant Finance Lobby a perpetual, irrevocable, worldwide, royalty free, fully paid, sublicensable, and transferable license to use, reproduce, modify, and exploit that feedback for any purpose without obligation, attribution, or compensation to you.

9. USER SUBMITTED CONTENT

9.1 License to Us. Subject to the Privacy Policy and, where applicable, to the more specific provisions of the Platform Terms governing deal information and confidential materials, by submitting any text, image, message, comment, review, testimonial, or other content to a public or semi public area of the Site (“Submitted Content”), you grant Finance Lobby a royalty free, non-exclusive, worldwide, transferable, sublicensable, perpetual, and irrevocable license to use, reproduce, display, perform, distribute, adapt, modify, reformat, and create derivative works of that Submitted Content in any media, in connection with the operation, promotion, and improvement of the Site and our services.

9.2 Your Warranties. You represent and warrant that you own or otherwise control all rights necessary to grant the license in Section 9.1, that your Submitted Content is accurate and not misleading, and that it does not infringe or misappropriate the rights of any third party or violate any law. You agree to indemnify, defend, and hold Finance Lobby harmless from all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or relating to your Submitted Content or any breach of this Article 9.

9.3 No Obligation to Monitor. We do not routinely screen, edit, or review Submitted Content and assume no obligation to do so. We reserve the right, in our sole discretion and without notice, to remove, refuse, or disable access to any Submitted Content for any reason, including any violation of these Website Terms.

10. COPYRIGHT AND INTELLECTUAL PROPERTY COMPLAINTS

10.1 DMCA Notices. Finance Lobby respects the intellectual property rights of others and expects users to do the same. It is our policy, in appropriate circumstances, to disable or terminate the accounts of users who are repeat infringers. If you believe that material on the Site infringes a copyright you own or control, you may submit a written notice to our designated agent, which must include all of the following:

• a physical or electronic signature of the copyright owner or a person authorized to act on the owner’s behalf;
• identification of the copyrighted work claimed to have been infringed, or a representative list of such works;
• identification of the material claimed to be infringing, including the URL or other information reasonably sufficient to permit us to locate it;
• your name, mailing address, telephone number, and email address;
• a statement that you have a good faith belief that the use complained of is not authorized by the copyright owner, its agent, or the law; and
• a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or are authorized to act on the owner’s behalf.

10.2 Designated Agent. Notices must be sent to the Designated Copyright Agent, Finance Lobby, LLC, 1680 Michigan Avenue, Miami Beach, Florida 33139, email info@financelobby.com and privacy@financelobby.com. Notices that do not substantially comply with Section 10.1 may not receive a response.

10.3 Counter Notification. If material you posted was removed or disabled, you may submit a counter notification to the designated agent containing your signature, identification of the removed material and its prior location, a statement under penalty of perjury that you have a good faith belief the material was removed as a result of mistake or misidentification, your name, address, and telephone number, and your consent to the jurisdiction of the federal district court for the judicial district in which your address is located, or if your address is outside the United States, the Southern District of Florida, and your agreement to accept service of process from the party who submitted the original notice.

10.4 Other Intellectual Property. If you believe material on the Site infringes a trademark or other non-copyright intellectual property right, please notify us at info@financelobby.com and privacy@financelobby.com with identification of the right, the material at issue, and your contact information.

10.5 Misrepresentation. You may be liable for damages, including costs and attorneys’ fees, if you knowingly and materially misrepresent that material is infringing or was removed or disabled by mistake.

11. LINKS AND THIRD PARTY SERVICES

The Site may contain links to, and may integrate with, websites, applications, and services operated by third parties. Links and integrations are provided for convenience only and do not imply endorsement, sponsorship, or affiliation. We do not control third party services and are not responsible for their content, accuracy, security, availability, or practices. Your use of a third party service is governed by that party’s terms and privacy policy, and you should review them before use or before disclosing information.

12. PRIVACY

Our collection, use, and disclosure of information in connection with the Site is described in our Privacy Policy, available at financelobby.com/privacy-policy. The Privacy Policy is incorporated into these Website Terms by reference. Please review it carefully, including the sections describing analytics, advertising, and session recording technologies used on the Site.

13. AVAILABILITY AND MODIFICATION OF THE SITE

We may modify, suspend, limit, or discontinue the Site or any feature, tool, data set, or content at any time, with or without notice, and we may impose limits on certain features or restrict access to parts or all of the Site without liability. We do not warrant that the Site will be available at any particular time or that access will be uninterrupted or error free. Features identified as prototype, beta, preview, or demonstration features are provided for evaluation only, may be incomplete or withdrawn at any time, and are excluded from any commitment, service level, or warranty of any kind.

14. DISCLAIMER OF WARRANTIES

THE SITE, ALL CONTENT AND DATA AVAILABLE ON OR THROUGH IT, AND ALL SERVICES PROVIDED IN CONNECTION WITH IT, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS, AND WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, ORAL, WRITTEN, OR ELECTRONIC. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINANCE LOBBY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, FINANCE LOBBY DOES NOT REPRESENT OR WARRANT THAT: (A) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, DEFECTS, VIRUSES, OR OTHER HARMFUL COMPONENTS; (B) ANY INFORMATION ON THE SITE, INCLUDING ANY USER PROFILE, LISTING, DIRECTORY ENTRY, QUOTE, MARKET DATA, COMPARABLE, RATE, EXPENSE BENCHMARK, OR ARTIFICIAL INTELLIGENCE OUTPUT, IS ACCURATE, COMPLETE, CURRENT, OR RELIABLE; (C) ANY USER IS WHO THAT USER CLAIMS TO BE, IS LICENSED OR AUTHORIZED, IS CREDITWORTHY, OR WILL PERFORM; OR (D) ANY TRANSACTION WILL BE PROPOSED, QUOTED, APPROVED, FUNDED, OR CLOSED.

YOU ARE SOLELY RESPONSIBLE FOR YOUR BORROWING, LENDING, BROKERAGE, PRICING, INVESTMENT, AND OTHER DECISIONS, INCLUDING ANY DECISION MADE IN RELIANCE ON INFORMATION OBTAINED FROM THE SITE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

15. LIMITATION OF LIABILITY

15.1 Exclusion of Certain Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FINANCE LOBBY OR ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR BUSINESS OPPORTUNITY, OR FOR LOSS OF PROSPECTIVE ECONOMIC ADVANTAGE, LOSS OF INVESTMENT, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE WEBSITE TERMS OR THE SITE, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

15.2 Aggregate Cap. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF FINANCE LOBBY AND THE PARTIES DESCRIBED IN SECTION 15.1 FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE WEBSITE TERMS OR THE SITE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO FINANCE LOBBY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100.00).

15.3 Conduct of Other Users. FINANCE LOBBY HAS NO LIABILITY FOR THE ACTS, OMISSIONS, ERRORS, MISREPRESENTATIONS, NEGLIGENCE, BREACHES, OR MISCONDUCT OF ANY USER OR OTHER THIRD PARTY, INCLUDING ANY FAILURE TO PERFORM, ANY MISUSE OR UNAUTHORIZED DISCLOSURE OF INFORMATION, OR ANY DAMAGE TO PERSON OR PROPERTY ARISING FROM YOUR DEALINGS WITH ANY USER.

15.4 Force Majeure. Finance Lobby is not liable for any delay or failure to perform resulting from any cause beyond its reasonable control, including acts of God, natural disaster, epidemic, war, terrorism, civil disturbance, labor dispute, governmental action, utility or telecommunications failure, internet or hosting provider failure, cyberattack, or failure of any third party service.

15.5 Basis of the Bargain. The limitations in this Article 15 are an essential basis of the bargain between you and Finance Lobby and will apply even if any limited remedy fails of its essential purpose. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so some of the above may not apply to you, and you may have other rights that vary by state.

16. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Finance Lobby and its members, managers, officers, employees, agents, affiliates, successors, and assigns from and against all claims, causes of action, demands, investigations, liabilities, judgments, losses, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to (a) your access to or use of the Site; (b) any content or information you submit; (c) your violation of these Website Terms or any applicable law; (d) your violation of the rights of any third party, including any intellectual property, privacy, or publicity right; and (e) your dealings or transactions with any other user. Finance Lobby reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with our defense. You may not settle any matter in a manner that imposes any obligation on Finance Lobby without our prior written consent.

17. DISPUTE RESOLUTION; BINDING ARBITRATION

17.1 Informal Resolution First. Before initiating any arbitration or other proceeding, you agree to first contact us at info@financelobby.com with a written description of the dispute, the relief sought, and your contact information, and to engage in good faith discussions for a period of thirty (30) days. This requirement is a condition precedent to commencing arbitration.

17.2 Governing Law. These Website Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of Florida, without regard to its conflict of law principles. The Federal Arbitration Act governs the interpretation and enforcement of Section 17.3.

17.3 Binding Arbitration. Except as provided in Section 17.5, any claim, dispute, or controversy arising out of or relating to these Website Terms, the Site, any services or information provided by Finance Lobby, or any representation made by Finance Lobby (each, a “Claim”) will be resolved exclusively by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules then in effect. The arbitration will be seated in Miami-Dade County, Florida, will be conducted by a single neutral arbitrator appointed in accordance with those rules, and may be conducted on the basis of written submissions, by telephone, or by videoconference without personal appearance unless the parties agree otherwise. The arbitrator has exclusive authority to resolve all issues of arbitrability except as provided in Section 17.4. The award may be entered in any court of competent jurisdiction. Allocation of fees and costs is governed by the applicable rules.

17.4 Class Action and Jury Waiver. ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS OR PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. IF A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL. The enforceability of this Section 17.4 is for a court, and not an arbitrator, to decide. If this Section 17.4 is found unenforceable as to any Claim, that Claim must be severed and litigated in the courts identified in Section 17.6, and the remainder of Section 17.3 continues to apply to all other Claims.

17.5 Exceptions. Either party may (a) bring an individual action in small claims court, and (b) seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property, confidential information, or other proprietary rights, including any violation of Article 7.

17.6 Forum for Court Proceedings. For any Claim not subject to arbitration, you and Finance Lobby consent to the exclusive jurisdiction and venue of the state and federal courts located in Miami-Dade County, Florida, and waive any objection to that forum on the basis of inconvenience or otherwise.

17.7 Limitations Period. To the fullest extent permitted by law, any Claim must be commenced within one (1) year after the cause of action accrues, or it is permanently barred.

17.8 Survival. This Article 17 survives termination of these Website Terms and of any account.

18. TERM, SUSPENSION, AND TERMINATION

These Website Terms remain in effect while you access or use the Site. We may suspend or terminate your access to the Site, in whole or in part, at any time and for any reason, including any actual or suspected violation of these Website Terms, with or without notice and without liability. You may terminate by ceasing all use of the Site. Articles 7 through 12 and 14 through 20, and any other provision that by its nature should survive, will survive termination.

19. CHANGES TO THESE WEBSITE TERMS

We may amend these Website Terms from time to time. When we do, we will revise the effective date above and post the amended version to the Site. If we make a material change, we will provide reasonable advance notice by email to the address associated with your account, by notice within the Site, or by both, and where we determine it appropriate we will require you to affirmatively accept the amended Website Terms before continuing to use the Site or your account. Material changes will not apply retroactively and will become effective no earlier than the date stated in the notice. Your continued use of the Site after the effective date constitutes acceptance of the amended Website Terms. If you do not agree, your sole remedy is to stop using the Site and close your account.

20. GENERAL PROVISIONS

20.1 Entire Agreement. These Website Terms, together with the Privacy Policy, any applicable Platform Terms, and any applicable supplemental terms, constitute the entire agreement between you and Finance Lobby regarding the Site and supersede all prior and contemporaneous agreements, proposals, representations, and understandings, whether written or oral.

20.2 No Reliance. You acknowledge that you have not relied on any statement, representation, warranty, demonstration, marketing material, or assurance not expressly set forth in these Website Terms, and you waive any claim based on any such statement other than a claim for fraud.

20.3 No Oral Modification. No modification or waiver of any provision is effective unless in writing and, in the case of a modification by Finance Lobby other than under Article 19, signed by an authorized officer of Finance Lobby.

20.4 No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

20.5 Severability. If any provision is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

20.6 Assignment. You may not assign or transfer these Website Terms or any rights under them, by operation of law or otherwise, without our prior written consent, and any attempted assignment is void. We may assign these Website Terms freely, including in connection with a merger, acquisition, reorganization, financing, or sale of assets.

20.7 Relationship. Nothing in these Website Terms creates any partnership, joint venture, agency, fiduciary, franchise, or employment relationship between you and Finance Lobby. All users are independent parties.

20.8 No Third Party Beneficiaries. Except for the parties identified in Articles 15 and 16, these Website Terms do not confer any rights on any third party.

20.9 Notices. Notices to you may be given by email to the address associated with your account or by posting on the Site. Notices to Finance Lobby must be sent to Finance Lobby, LLC, Attention: Legal, 1680 Michigan Avenue, Miami Beach, Florida 33139, with a copy by email to info@financelobby.com.

20.10 Headings and Interpretation. Headings are for convenience only. “Including” means “including without limitation.” These Website Terms will not be construed against the drafter.

20.11 Contact and Requests. Questions about these Website Terms, requests to correct or remove a directory listing, requests to remove a name or mark, and other requests may be directed to:

Finance Lobby, LLC
1680 Michigan Avenue, Miami Beach, Florida 33139
Email: info@financelobby.com
Privacy matters: privacy@financelobby.com
Telephone: 855-415-6229

SCHEDULE A. SMS TEXT MESSAGING PROGRAM TERMS

Program name. Finance Lobby SMS.

Program description. Finance Lobby SMS is a promotional text messaging program. We send marketing messages, including promotions, product updates, and new feature announcements, to users who have opted in. Separately from this program, and whether or not you opt in to marketing messages, we send transactional and service messages to the mobile number associated with your account, including verification codes, authentication codes, security alerts, and messages relating to your account and your deals. Transactional and service messages are a necessary part of the service and are not governed by the opt in and opt out provisions of this program.

How to opt in. You opt in by selecting the SMS consent checkbox when you register for a Finance Lobby account, by submitting an SMS signup form on our website, or by texting DEALS to 855-415-6229. Consent is not a condition of registering for, purchasing, or using any Finance Lobby product or service.

Eligibility. You must be at least 18 years old, located in the United States, and the authorized owner or customary user of the mobile number you provide. You may not enroll a number belonging to another person without that person’s authorization, and you must notify us if the number is reassigned or is no longer yours.

Message frequency. Message frequency varies.

Cost. Message and data rates may apply. Finance Lobby does not charge for these messages, but your mobile carrier may.

How to opt out. Reply STOP to any message to stop receiving texts. You will receive one confirmation message and no further messages after that. You may also contact us at info@financelobby.com.

Help. Reply HELP to any message for assistance, or contact us at info@financelobby.com or 855-415-6229.

Customer support. info@financelobby.com | 855-415-6229 | Monday through Friday, 9:00 a.m. to 6:00 p.m. Eastern Time.

Carrier liability. Carriers are not liable for any delayed or undelivered messages.

Privacy. Your information is handled as described in our Privacy Policy.

Changes. We may modify or discontinue this program at any time. Changes take effect when posted and the effective date of these Website Terms will be revised.

Disputes. Article 17 of these Website Terms, including the informal resolution requirement, the choice of Florida law, the agreement to binding individual arbitration, and the class action and jury trial waivers, applies to any dispute arising out of or relating to this program.

Platform Terms of Service

Broker, Borrower, and Lender Terms | Finance Lobby, LLC | Effective October 1, 2026

PLEASE READ THESE PLATFORM TERMS OF SERVICE CAREFULLY. THEY GOVERN YOUR USE OF THE FINANCE LOBBY PLATFORM AND CONTAIN IMPORTANT PROVISIONS REGARDING FEES AND AUTOMATIC RENEWAL (ARTICLE 11), YOUR RESPONSIBILITY FOR INFORMATION YOU UPLOAD (ARTICLES 6 AND 7), ARTIFICIAL INTELLIGENCE FEATURES (ARTICLE 8), CONFIDENTIALITY (ARTICLE 7), LIMITATIONS ON OUR LIABILITY (ARTICLE 30), AND BINDING INDIVIDUAL ARBITRATION WITH A CLASS ACTION WAIVER (ARTICLE 32).

How this document is organized. Part I applies to every account holder. Part II applies to Brokers. Part III applies to Borrowers. Part IV applies to Lenders. Part V applies to every account holder and contains the disclaimers, liability limitations, dispute resolution provisions, and general terms. You are bound by Part I, Part V, and the Part corresponding to the role you selected at registration.

PART I. GENERAL TERMS APPLICABLE TO ALL ACCOUNT HOLDERS

1. DEFINITIONS

1.1 “Account” means a registered user account on the Platform.

1.2 “Borrower” means an account holder that has registered in the borrower role, together with any principal, sponsor, guarantor, or affiliate on whose behalf it acts.

1.3 “Broker” means an account holder that has registered in the broker role, including any mortgage broker, finance broker, intermediary, correspondent, advisor, or other person that uses the Platform to arrange or seek financing for another person.

1.4 “Deal” means a prospective commercial real estate financing transaction created on the Platform.

1.5 “Deal Materials” means all information, documents, files, data, and communications relating to a Deal that are submitted to, generated within, or transmitted through the Platform, including offering memoranda, rent rolls, leases, operating statements, personal financial statements, tax returns, credit reports, loan applications, organizational documents, settlement statements, appraisals, photographs, and any data extracted from any of the foregoing.

1.6 “Lender” means an account holder that has registered in the lender role, including any bank, credit union, debt fund, life company, agency lender, private lender, correspondent, or other capital provider.

1.7 “Personal Information” means information that identifies, relates to, describes, or could reasonably be linked with a particular individual or household.

1.8 “Platform” means the Finance Lobby web application, associated mobile and messaging interfaces, and all features, tools, data, and services made available to account holders, as distinguished from the publicly accessible portions of the Site.

1.9 “Property Data” means information relating to a property that is the subject of a Deal, including address, property type, size, unit count, price, transaction history, occupancy, lease and tenancy information, operating expenses, income, net operating income, debt service coverage, loan to value, debt yield, return metrics, and other financial and physical characteristics of the property.

1.10 “Quote” means an indication of proposed financing terms submitted by a Lender through the Platform, including any automatically generated indication.

1.11 “Site,” “Website Terms,” and “Privacy Policy” have the meanings given in the Finance Lobby Website Terms of Use.

1.12 “you” and “your” mean the account holder and, where the account holder registers on behalf of an organization, that organization.

2. ACCEPTANCE, ROLE, AND AMENDMENT

2.1 Acceptance. These Platform Terms of Service (these “Platform Terms”) form a binding agreement between you and Finance Lobby, LLC (“Finance Lobby,” “we,” “our,” or “us”). By selecting a role and completing registration, by clicking to accept, or by accessing or using the Platform, you agree to be bound by these Platform Terms, the Website Terms, and the Privacy Policy, each of which is incorporated by reference.

2.2 Role Selection. You select your role at registration. The Part of these Platform Terms corresponding to your selected role applies to you in addition to Parts I and V. If you change your role, the Part corresponding to your new role applies prospectively from the date of the change, and the Part corresponding to your prior role continues to govern your conduct before that date.

2.3 Multiple Roles. Each Account supports a single role. If you act in more than one capacity, you must maintain a separate Account for each capacity, and each Account is independently subject to these Platform Terms. You are responsible for all Accounts you or your organization control. Where you hold Accounts in more than one role, you may not use information obtained in one role for the benefit of, or in a manner inconsistent with your obligations in, another role.

2.4 Records of Acceptance. Finance Lobby records each acceptance of these Platform Terms and of any certification made on the Platform, including the version accepted, the text presented, the date and time, and technical identifiers associated with the session. You agree that these records constitute admissible evidence of your acceptance and that you will not contest the validity or enforceability of these Platform Terms on the basis that they were accepted electronically.

2.5 Amendment. We may amend these Platform Terms from time to time. We will post the amended version and revise the effective date. For any material change we will give you reasonable advance notice by email to the address associated with your Account, by notice within the Platform, or by both, and we may require you to affirmatively accept the amended Platform Terms before continuing to use your Account. Material changes are effective no earlier than the date stated in the notice and do not apply retroactively. If a material change applies to a paid subscription, it will not take effect as to your then current subscription term until that term expires, unless you accept it earlier. Continued use of the Platform after the effective date constitutes acceptance. If you do not agree to an amendment, your sole remedy is to cancel your subscription in accordance with Article 11 and close your Account.

3. ACCOUNTS, AUTHORITY, AND SECURITY

3.1 Registration Information. You agree to provide accurate, current, and complete registration information, including a valid business email address and a mobile telephone number capable of receiving a verification passcode, and to keep that information current. You consent to receive verification and authentication messages at the number you provide, as further described in Article 9.

3.2 Authority. If you register on behalf of an organization, you represent and warrant that you are authorized to bind that organization to these Platform Terms and that the organization is bound. You further represent and warrant that your use of the Platform, including any connection of a business email account under Article 9, does not violate any policy or agreement applicable to you or your employer.

3.3 Account Security. You are responsible for maintaining the confidentiality of your credentials and for all activity under your Account, whether or not authorized by you. You must notify us promptly at info@financelobby.com of any suspected unauthorized access. You may not share credentials, permit any other person to use your Account, or acquire or transfer an Account by sale, assignment, or otherwise.

3.4 Team and Master Accounts. Where your plan includes team or master account functionality, the organization holding the master account (a) is responsible for the acts and omissions of every user it invites or provisions, (b) may have administrative visibility into, and the ability to export, reassign, suspend, or delete, the Deals, documents, contacts, and communications associated with its member seats, and (c) controls those Accounts and their content as between the organization and the individual user. Each invited user must accept these Platform Terms in the user’s own name. If a user leaves the organization, the organization may reassign that user’s Deals and content. Disputes between an organization and its personnel regarding data, contacts, or Deals are between those parties, and Finance Lobby will as a general matter recognize the instructions of the master account holder.

4. NATURE OF THE SERVICES; NO ADVISORY OR AGENCY RELATIONSHIP

4.1 Role of Finance Lobby. Finance Lobby provides software and an information platform. Finance Lobby is not a lender, mortgage broker, real estate broker, loan originator, correspondent, investment adviser, broker dealer, financial institution, appraiser, accountant, or law firm, and does not hold itself out as any of them. Finance Lobby does not originate, underwrite, price, approve, fund, purchase, sell, service, or participate in any loan, and is not a party to any transaction between users.

4.2 No Agency or Fiduciary Duty. Finance Lobby is not the agent, partner, joint venturer, representative, or fiduciary of any user, and owes no duty of loyalty, care, disclosure, suitability, or best execution to any user. Users are independent parties and are not agents, employees, or representatives of Finance Lobby.

4.3 No Transaction Based Compensation. Finance Lobby is compensated through subscription fees and paid listing or placement products only. Finance Lobby does not charge or receive any success fee, origination fee, commission, closing fee, percentage of any loan amount, or other compensation contingent upon the funding or closing of any transaction, and does not receive any referral fee, revenue share, or similar payment from any Lender, data provider, or other counterparty in connection with any Deal. Finance Lobby may pay referral compensation to participants in its partner program in connection with subscription revenue, as described in the separate terms governing that program.

4.4 No Verification of Users. Finance Lobby does not verify the identity, licensing, registration, regulatory standing, authority, capacity, creditworthiness, financial condition, or bona fides of any user, and does not verify the accuracy, completeness, or currency of any information any user submits. You are solely responsible for conducting your own diligence on every counterparty and on all information you receive.

4.5 No Guarantee of Outcome. Finance Lobby does not guarantee that any Deal will be viewed, matched, quoted, accepted, approved, funded, or closed, that any Quote will be received, that any particular Lender will participate, or that any Deal will attract any minimum level of interest. Matching, distribution, and display functionality is provided on a commercially reasonable efforts basis and may be modified at any time.

5. PERMITTED USE OF THE PLATFORM

5.1 License. Subject to your compliance with these Platform Terms and, where applicable, payment of all fees, Finance Lobby grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform for your own internal business use in originating, evaluating, arranging, quoting, or pursuing commercial real estate financing transactions.

5.2 Restrictions. Article 7 of the Website Terms applies in full to your use of the Platform. In addition, you may not (a) use the Platform or any information obtained through it for any purpose other than the purpose described in Section 5.1; (b) extract, export, compile, or retain any directory, contact list, lender list, comparable data set, expense benchmark, market metric, or other data set obtained through the Platform other than as reasonably necessary for a specific Deal you are working; (c) use any such data set after termination of your Account; (d) disclose, resell, sublicense, or redistribute any Platform data to any third party; or (e) use the Platform or its data to build, train, market, or improve any competing product, service, data set, or model.

5.3 Platform Data. As between you and Finance Lobby, Finance Lobby and its licensors own all right, title, and interest in the Platform, all data sets made available through it other than your Deal Materials, all aggregated and derived data, and all improvements to any of the foregoing. Data licensed from third party providers is subject to additional restrictions imposed by those providers, including restrictions on redistribution, and may be withdrawn or modified at any time without notice.

6. DEAL MATERIALS: YOUR REPRESENTATIONS AND OUR LICENSE

6.1 Your Responsibility. You are solely responsible for all Deal Materials you submit, for their accuracy, completeness, and currency, and for your right to submit them. Finance Lobby does not screen, verify, audit, or review Deal Materials and has no obligation to do so.

6.2 Representations and Warranties. With respect to every submission of Deal Materials, you represent and warrant that:

• the information is accurate and complete in all material respects and is not false, misleading, or fraudulent;
• you own or have obtained all rights, consents, authorizations, and permissions necessary to submit the Deal Materials to the Platform and to permit their use, processing, storage, and disclosure as contemplated by these Platform Terms and the Privacy Policy;
• where Deal Materials contain Personal Information relating to any individual other than yourself, including any principal, sponsor, guarantor, tenant, occupant, employee, or other third party, you have provided all notices and obtained all consents and authorizations required by applicable law to submit that information, to permit its processing by Finance Lobby and its service providers, including artificial intelligence service providers, and to permit its disclosure to Lenders and other recipients you designate;
• the submission does not and will not violate any applicable law, any confidentiality, nondisclosure, or data protection obligation, any lease or loan document, or the rights of any third party; and
• the financing sought is for a business, commercial, or investment purpose and is not consumer credit, as further addressed in Article 14.

6.3 License to Finance Lobby. You grant Finance Lobby a non-exclusive, worldwide, royalty free, fully paid license, during the term of your Account and for the retention periods described in the Privacy Policy, to host, store, reproduce, transmit, display, reformat, adapt, index, analyze, and process the Deal Materials, and to disclose them to the recipients you designate and to our service providers, in each case solely as necessary to operate, provide, secure, support, and improve the Platform and the services you request, and to comply with law. This license terminates with respect to identifiable Deal Materials when those materials are deleted in accordance with the Privacy Policy, except for copies retained in backups, logs, or as required by law and except as provided in Section 6.5.

6.4 De-Identified and Aggregated Data. Finance Lobby may create de-identified and aggregated data derived from Deal Materials, Property Data, Quotes, and Platform usage, provided that such data does not identify, and cannot reasonably be used to identify, you, any individual, any specific property, or any specific transaction. Finance Lobby owns all such de-identified and aggregated data and may use, reproduce, disclose, publish, license, sell, and otherwise commercially exploit it for any lawful purpose, including market research, benchmarking, published reports, product development, and analytics products, in perpetuity and without obligation or compensation to you. Finance Lobby will not attempt to re-identify de-identified data and will contractually prohibit recipients from doing so.

6.5 Property Data. In addition to the license in Section 6.3, you grant Finance Lobby a non-exclusive, worldwide, royalty free, perpetual, and irrevocable license to use, reproduce, adapt, and compile Property Data for the purposes described in Section 6.4, subject to the condition that Finance Lobby will not sell, license, or publish Property Data in a form that identifies you, any individual, or any specific property or transaction without your prior consent. Nothing in this Section authorizes the disclosure of Personal Information, financial statements, tax returns, credit information, or tenant level information.

6.6 Recipients Cannot Be Recalled. You acknowledge that once Deal Materials have been delivered to, viewed by, or downloaded by another user or by a third party you have invited, Finance Lobby cannot retrieve, recall, delete, disable, or otherwise control that copy. Deleting or archiving a Deal prevents further distribution but does not withdraw material already delivered. Downloaded files are not watermarked, do not expire, and are not subject to revocation. You should consider this before distributing sensitive material.

6.7 Removal. Finance Lobby may remove, disable, or refuse to distribute any Deal Materials at any time, in its sole discretion and without notice, including where we believe they violate these Platform Terms or applicable law or where we receive a complaint.

7. CONFIDENTIALITY OF DEAL MATERIALS

7.1 Recipient Obligations. If you receive Deal Materials through the Platform, whether as a Lender, a Broker, a participant, or an invited third party, you agree that those Deal Materials are the confidential information of the disclosing party and that you will (a) use them solely for the purpose of evaluating, quoting, underwriting, structuring, participating in, or closing the specific Deal to which they relate; (b) protect them using no less than a reasonable degree of care; (c) disclose them only to your personnel, affiliates, participants, counsel, and professional advisors who have a need to know for that purpose and who are bound by confidentiality obligations no less protective than these; and (d) not use them to solicit, market to, or contact the underlying borrower, property owner, or any tenant for any purpose unrelated to that Deal except as permitted by Article 13.

7.2 Exceptions. The obligations in Section 7.1 do not apply to information that (a) is or becomes publicly available without breach of these Platform Terms, (b) was lawfully in the recipient’s possession without a duty of confidentiality before receipt, (c) is lawfully received from a third party without a duty of confidentiality, or (d) is independently developed without reference to the Deal Materials. A recipient may disclose Deal Materials to the extent required by law, regulation, subpoena, or examination by a governmental or self-regulatory authority, provided that, to the extent legally permitted, the recipient gives the disclosing party prompt notice and reasonable cooperation in seeking protective treatment.

7.3 Retention by Recipients. A recipient may retain Deal Materials in accordance with its own bona fide document retention, credit file, audit, and regulatory requirements, subject to the continuing obligations of this Article 7 for so long as the materials are retained.

7.4 Third Party Beneficiary. The Borrower whose Deal Materials are disclosed, and the Broker that submitted them, are each intended third party beneficiaries of this Article 7 and may enforce it directly against a recipient. Finance Lobby has no obligation to monitor or enforce this Article 7, assumes no liability for any recipient’s breach, and gives no assurance that any recipient will comply.

7.5 Survival. This Article 7 survives termination of your Account for a period of three (3) years following the date of receipt of the applicable Deal Materials, and indefinitely as to any trade secret or Personal Information.

8. ARTIFICIAL INTELLIGENCE FEATURES

8.1 Description. The Platform includes features that use artificial intelligence and machine learning to extract information from documents, populate Deal fields, generate underwriting analyses and deal memoranda, summarize or draft communications, respond to inquiries, and assist with other tasks (collectively, “AI Features”). Output produced by AI Features is referred to as “AI Output.”

8.2 Third Party Processing. You acknowledge and agree that, in order to provide AI Features, Finance Lobby transmits Deal Materials and other content you submit, which may include personal financial statements, tax returns, credit reports, rent rolls, leases, and the contents of synchronized email and messaging accounts, to third party artificial intelligence service providers for processing. Those providers process content under their own terms and may retain content for limited periods in accordance with those terms. A description of the categories of providers used is available in the Privacy Policy. If you do not wish to have particular material processed in this manner, you must not upload it to the Platform or enable the applicable feature.

8.3 No Model Training on Your Content. Finance Lobby does not use Deal Materials to train or fine tune any machine learning or artificial intelligence model, does not create embeddings or vector representations of Deal Materials for model development purposes, and does not authorize its artificial intelligence service providers to use Deal Materials to train their models. If this practice changes, we will update these Platform Terms and the Privacy Policy and provide notice in accordance with Section 2.5 before the change takes effect.

8.4 AI Output Is Not Verified. AI OUTPUT IS GENERATED AUTOMATICALLY, IS NOT REVIEWED BY ANY HUMAN BEFORE IT IS PRESENTED TO YOU, AND MAY CONTAIN ERRORS, OMISSIONS, MISCLASSIFICATIONS, MISREAD FIGURES, OR STATEMENTS THAT ARE INCORRECT OR FABRICATED. Extraction from source documents is inherently imperfect and may transpose, omit, or misattribute numbers and terms. AI Output is provided for informational and drafting assistance purposes only, is not legal, tax, accounting, appraisal, valuation, investment, or credit advice, and is not a substitute for independent underwriting and professional judgment.

8.5 Your Responsibility for AI Output. YOU ARE SOLELY RESPONSIBLE FOR REVIEWING, VERIFYING, AND CORRECTING ALL AI OUTPUT AGAINST SOURCE DOCUMENTS BEFORE RELYING ON IT, DISTRIBUTING IT, PRESENTING IT TO ANY THIRD PARTY, OR USING IT TO MAKE OR SUPPORT ANY DECISION. If you distribute AI Output, including any deal memorandum or underwriting analysis, under your own name or brand, you adopt it as your own work product and are solely responsible for its content. Finance Lobby disclaims all liability for any decision made, or any loss incurred, in reliance on AI Output.

8.6 No Exclusivity of Output. AI Output is generated from statistical models and may be similar or identical to output generated for other users. Finance Lobby makes no representation that AI Output is unique, original, or free of third party rights.

9. COMMUNICATIONS, MESSAGING, AND INTEGRATIONS

9.1 Platform Messaging. Messages exchanged through the Platform are transmitted, stored, and processed by Finance Lobby and may be accessed by our personnel and service providers for support, security, abuse prevention, product improvement, and legal compliance, and may be processed by AI Features. You should not use Platform messaging for any communication you wish to keep private from Finance Lobby.

9.2 Email and Mailbox Integrations. If you connect an email account to the Platform, you authorize Finance Lobby and its integration providers to access that account using the permissions you grant, which may include read access to the full contents of the mailbox and to associated contact records, in order to identify, ingest, and attach messages and attachments relating to your Deals. You represent and warrant that you are the authorized user of the account, that you have authority to grant that access, including from your employer where the account is employer provided, and that you have provided any notice required to the other participants in those communications. You may disconnect the integration at any time through your Account settings. Disconnection stops further ingestion but does not by itself delete content already ingested; you may request deletion as described in the Privacy Policy.

9.3 Third Party Messaging Services. Certain features operate through third party messaging services. Content you send through those services is also subject to the terms and privacy practices of the service provider. You are responsible for ensuring that your use of any such service complies with applicable law, including any law governing the recording, interception, or retention of communications, and for obtaining any consent required from other participants.

9.4 Service and Transactional Messages. By providing a mobile telephone number, you agree to receive service and transactional messages from us at that number, including verification passcodes, authentication messages, security alerts, and messages relating to your Account or your Deals. These messages are not marketing messages and are a necessary part of the service. Message and data rates may apply.

9.5 Marketing Messages. We will send marketing text messages only to users who have separately opted in to receive them, and any such program is governed by the SMS Text Messaging Program Terms set out in Schedule A to the Website Terms. Consent to receive marketing messages is not a condition of registering for or using the Platform. You may opt out at any time as described in those terms.

9.6 Monitoring and Recording. You consent to the monitoring, recording, storage, and analysis of your interactions with the Platform, including in-platform messages, synchronized mailbox content where you have enabled that feature, and session activity within the authenticated application, for the purposes described in the Privacy Policy. Where you communicate with other users, you are responsible for obtaining any consent required by applicable law from those users.

10. PUBLICITY, PERFORMANCE STATISTICS, AND LEADERBOARDS

10.1 Profile Display. Information you include in your profile is displayed to other users and, in some cases, to the public, as described for your role in Parts II, III, and IV. You are responsible for the content of your profile.

10.2 Activity and Performance Statistics. Finance Lobby records activity and performance metrics associated with your Account, which may include counts of Deals posted, Quotes submitted, response times, and rates at which Quotes are accepted or transactions close. You grant Finance Lobby a non-exclusive, royalty free license to display those metrics in connection with your name, business name, and logo as described for your role, and to use them in aggregated and de-identified form for benchmarking, reporting, and product improvement. Metrics are derived from Platform activity only, may be incomplete or inaccurate, do not reflect activity occurring off the Platform, and are not a representation by Finance Lobby regarding your performance.

10.3 Leaderboards. Finance Lobby may publish leaderboards visible to other users within your role that identify participants by name or by first name and last initial together with activity metrics. Where an option to reduce or suppress your identification is made available in your Account settings, you may exercise it at any time, and Finance Lobby will apply that election on a going forward basis. Your participation in any leaderboard is a permitted use of your name and metrics under Section 10.2 unless and until you exercise that option.

10.4 Testimonials and Case Studies. Finance Lobby will not use your name, logo, quotation, or transaction as a named testimonial, case study, or marketing reference without your prior written consent. Consent once given may be withdrawn prospectively on thirty (30) days’ written notice, and Finance Lobby will remove the material from media under its control within a reasonable period.

11. SUBSCRIPTIONS, FEES, AND BILLING

11.1 Applicability. This Article 11 applies to account holders who purchase a paid subscription or paid product. As of the effective date of these Platform Terms, Lender accounts are offered at no cost, except for optional paid listing or placement products, which are subject to this Article 11. Finance Lobby may introduce, modify, or discontinue plans and pricing at any time, subject to Section 11.8.

11.2 Plans. Finance Lobby offers subscription plans on a monthly and annual basis and may offer a one time, per Deal purchase option. The features, limits, and prices of each plan are described at the point of purchase and on our pricing page. Plan limits, including limits on active Deals, analyses, memoranda, comparables, and document uploads, reset at the beginning of each billing cycle and do not accumulate or carry forward.

11.3 Authorization to Charge; Automatic Renewal. BY PURCHASING A SUBSCRIPTION, YOU ARE ENROLLING IN AN AUTOMATICALLY RENEWING PAYMENT PROGRAM. You authorize Finance Lobby and its payment processor to charge the payment method associated with your Account for the subscription fee, plus any applicable taxes, in advance of each billing period. YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD FOR A SUCCESSIVE PERIOD OF THE SAME LENGTH, AT THE THEN CURRENT RATE FOR YOUR PLAN, AND YOUR PAYMENT METHOD WILL BE CHARGED, UNLESS YOU CANCEL BEFORE THE RENEWAL DATE. The length of each period, the renewal date, and the amount to be charged are disclosed to you at the point of purchase and are available in your Account.

11.4 Cancellation. You may cancel at any time through the Account settings area of the Platform, or by contacting info@financelobby.com or 855-415-6229. CANCELLATION TAKES EFFECT AT THE END OF THE THEN CURRENT BILLING PERIOD. You will retain access to paid features through the end of the period for which you have paid, and you will not be charged for any subsequent period. To avoid being charged for a renewal term, you must cancel before the renewal date.

11.5 No Refunds. EXCEPT WHERE REFUNDS ARE REQUIRED BY APPLICABLE LAW, ALL FEES ARE NON-REFUNDABLE AND ARE NOT PRORATED, INCLUDING IN THE EVENT OF CANCELLATION BEFORE THE END OF A BILLING PERIOD, NON-USE, DOWNGRADE, OR TERMINATION OF YOUR ACCOUNT FOR CAUSE. No refund or credit is available on the basis that a Deal did not attract a Quote, that a Quote was declined or withdrawn, that a transaction did not close, or that any outcome was not achieved, and you expressly waive any claim for refund or reimbursement on any such basis. Finance Lobby may, in its sole discretion, issue a refund or credit in an individual case, and doing so does not obligate it to do so in any other case.

11.6 Effect of Cancellation or Downgrade. Following cancellation, expiration, or downgrade, your Deals and documents are retained in your Account and your access reverts to the limits of the free tier or of your new plan, which may substantially restrict the features, analyses, uploads, and distribution available to you. Finance Lobby is not obligated to retain your content indefinitely and may delete it in accordance with the retention practices described in the Privacy Policy following extended inactivity or upon your deletion request.

11.7 Failed Payments. If a charge is declined or a payment is not received when due, we may retry the charge, suspend or downgrade your Account until payment is received, and recover amounts due together with reasonable collection costs. You are responsible for keeping your payment information current. If you initiate a chargeback for a valid charge, we may suspend or terminate your Account and pursue recovery of the disputed amount.

11.8 Price Changes. We may change subscription prices. Any price change applicable to your subscription takes effect at the start of your next billing period and only after we have given you notice by email at least thirty (30) days before the renewal date, together with instructions for cancelling if you do not wish to accept the new price.

11.9 Taxes. Fees are stated in United States dollars and are exclusive of taxes. You are responsible for all sales, use, value added, and similar taxes, other than taxes based on our net income, and you authorize us to add them to any charge.

11.10 Non-Transferable. Subscriptions, plan benefits, and any rights under them are personal to the account holder and are not transferable or assignable.

12. SUSPENSION AND TERMINATION

12.1 By You. You may close your Account at any time. Closing an Account does not entitle you to any refund and does not relieve you of accrued obligations.

12.2 By Us. We may suspend, limit, downgrade, or terminate your Account and your access to the Platform, in whole or in part, immediately and without notice, if we determine in our reasonable discretion that (a) you have breached these Platform Terms, the Website Terms, or any applicable law; (b) you have submitted false, misleading, or unauthorized information; (c) your conduct presents a risk of harm to Finance Lobby, to other users, or to any third party, including any risk of fraud, data misuse, or reputational harm; (d) your payment is past due; or (e) we are required to do so by law. We may also terminate any Account for convenience on thirty (30) days’ notice, in which case we will refund the pro rata portion of any prepaid subscription fee attributable to the period after termination.

12.3 Effect of Termination. On termination, the licenses granted to you terminate immediately and you must cease all use of the Platform and of any data obtained from it. Sections and Articles that by their nature should survive will survive, including Articles 4, 5.2, 5.3, 6.4, 6.5, 6.6, 7, 10.2, 11.5, 12.3, 13, and all of Part V.

12.4 Your Data After Termination. We will retain or delete your Deal Materials in accordance with the Privacy Policy. You are responsible for exporting any content you wish to retain before closing your Account. Termination does not affect the rights of any user or third party to whom Deal Materials were previously delivered, as described in Section 6.6.

13. NON-CIRCUMVENTION AND FEE AVOIDANCE

13.1 Purpose. Finance Lobby is compensated through subscription fees rather than transaction fees. This Article is intended to prevent use of the Platform to identify counterparties and then avoid subscription fees by relocating Platform activity off the Platform.

13.2 Covenant. During the term of your Account and for twelve (12) months afterward, you will not use the Platform for the primary purpose of identifying counterparties and then instruct, induce, or arrange for a counterparty first identified through the Platform to conduct Platform activity off the Platform in order to avoid subscription fees. For the avoidance of doubt, nothing in this Article restricts your right to transact with any counterparty, to negotiate, document, or close any transaction off the Platform, to continue any pre-existing relationship, or to conduct business with any counterparty you identified independently of the Platform.

13.3 Remedies. Breach of this Article is a material breach for which Finance Lobby may suspend or terminate your Account and pursue any remedy available at law or in equity. Finance Lobby does not monitor off-Platform activity and has no obligation to enforce this Article.

14. COMPLIANCE OBLIGATIONS

14.1 Business Purpose Only. The Platform may be used only for financing that is for a business, commercial, or investment purpose. You may not use the Platform in connection with any credit that is or would be consumer credit, or that is subject to the Truth in Lending Act and Regulation Z, the Real Estate Settlement Procedures Act, or any state consumer credit statute, as applied to consumer purpose transactions. Property that is the subject of a Deal must be investment property and may not be occupied as a principal or secondary residence by the Borrower or by any principal of the Borrower. Where a tenant is a related party, the lease must be at market rent.

14.2 Certification. You certify, at the time you publish or distribute each Deal and again upon request, that the Deal satisfies Section 14.1. Finance Lobby records each certification, including the version and exact wording presented, the date and time, and technical identifiers associated with the session, and retains that record. You acknowledge that Finance Lobby relies on your certification, does not independently verify occupancy, loan purpose, or the identity or residence of any principal, and may require the withdrawal of any Deal that does not comply.

14.3 Licensing. You represent and warrant that you hold, and will maintain in good standing, every license, registration, authorization, and approval required by applicable federal, state, and local law for the activities you conduct, and that your use of the Platform complies with all conditions of those licenses. Finance Lobby does not verify licensing and expresses no view on whether any activity requires a license.

14.4 Fair Lending and Non-Discrimination. You will comply with all applicable fair lending, fair housing, and anti-discrimination laws. You will not use the Platform, including any search, filter, exclusion, preference, targeting, or automated pricing functionality, to discriminate against any person on the basis of race, color, religion, national origin, sex, familial status, disability, age, marital status, receipt of public assistance, the exercise of rights under the Consumer Credit Protection Act, or any other characteristic protected by applicable law, or on the basis of any proxy for such a characteristic. Finance Lobby reserves the right to restrict, review, or remove any criterion, filter, or exclusion, and to suspend any Account, where it believes this Section may be implicated.

14.5 Anti-Money Laundering and Sanctions. You will comply with all applicable anti-money laundering, counter terrorist financing, anti-corruption, and economic sanctions laws. You represent that neither you nor, to your knowledge, any counterparty, principal, or beneficial owner of a Deal you submit is a restricted party as described in Section 2.4 of the Website Terms. Finance Lobby does not perform know your customer, beneficial ownership, or sanctions screening on users or on parties to a Deal, and each user remains responsible for its own program.

14.6 Privacy and Data Protection. You will comply with all applicable privacy, data protection, data security, and data breach notification laws with respect to any Personal Information you submit to or receive through the Platform, including information concerning guarantors, sponsors, tenants, and other individuals who are not users of the Platform. You will not submit Personal Information you are not authorized to submit, and you will notify us promptly if you learn that Personal Information was submitted without authorization.

14.7 Cooperation. You will cooperate reasonably with any investigation by Finance Lobby into a suspected violation of this Article 14 and will provide, on request, evidence of any certification, authorization, consent, or license referenced in it.

PART II. ADDITIONAL TERMS APPLICABLE TO BROKERS

15. BROKER STATUS AND AUTHORITY

15.1 Licensing. You represent and warrant that you hold every license, registration, or authorization required for the brokerage, origination, advisory, or intermediary services you provide, in each jurisdiction where you provide them, including any commercial mortgage broker, mortgage banker, finder, or real estate license that may be required, and that you will maintain them in good standing. Finance Lobby does not collect, request, or verify license information, does not maintain any license field or lookup, and makes no representation that any activity conducted through the Platform is or is not licensable. You are solely responsible for determining your own licensing obligations and for complying with them.

15.2 Authority to Act for the Borrower. You represent and warrant, with respect to each Deal you create, that you have been engaged or authorized by the Borrower to seek financing on its behalf, and that you are authorized (a) to submit the Borrower’s information, the Property Data, and all other Deal Materials to the Platform, (b) to disclose them to Lenders and to any other recipient you designate, (c) to permit their processing as described in Article 8, and (d) to bind the Borrower to the certifications described in Section 14.2 with respect to that Deal. Finance Lobby is entitled to rely on this representation and does not independently confirm your engagement.

15.3 Your Relationship with Your Client. Any duty you owe to a Borrower is owed by you and not by Finance Lobby. Finance Lobby is not a party to your engagement and does not participate in your fee arrangements. You are responsible for disclosing to your client, as required by law or by your engagement, your use of the Platform, the distribution of the client’s information through it, and the processing described in Article 8.

15.4 No Compensation from Finance Lobby. Finance Lobby pays you no compensation of any kind in connection with any Deal or transaction, and receives none from you other than subscription and product fees.

16. BORROWER PORTAL AND BRANDED FEATURES

16.1 Borrower Portal. Where your plan includes a borrower portal, Finance Lobby provides hosted functionality under which a person you invite may submit information and documents in connection with a Deal. As between you and Finance Lobby, you determine who is invited, what is requested, and how the portal is used.

16.2 Your Obligations Regarding Portal Users. Before inviting any person to submit information through the portal, and as a condition of using the portal, you will (a) present, or cause the portal to present, the Finance Lobby Borrower Portal Submission Terms attached as Schedule A and a link to the Privacy Policy to each person invited, and obtain that person’s acceptance; (b) ensure that the person is acting for a business, commercial, or investment purpose; (c) provide any notice and obtain any consent required by applicable law for the collection, transmission, and processing of the information submitted, including Personal Information relating to guarantors, sponsors, and other individuals; and (d) not request or collect information you are not authorized to collect. You are responsible for the conduct of the portal experience you present and for any claim arising from a submission made through it.

16.3 Branded Features. Where your plan permits removal of Finance Lobby branding and application of your own branding to documents, portals, and email communications, you are the originator and sender of record of all such materials and communications for all purposes, including the CAN-SPAM Act, the Telephone Consumer Protection Act, and any applicable state law. You represent and warrant that you own or are licensed to use the marks, logos, and branding you upload, and you grant Finance Lobby a limited license to reproduce and display them solely to provide the branded features. You are solely responsible for the content, accuracy, recipients, and legal compliance of every branded communication and document, including obtaining any consent required before sending, and for honoring all opt out requests. Finance Lobby does not review branded materials.

16.4 Deal Memoranda and Analyses Under Your Brand. Any deal memorandum, underwriting analysis, quote comparison, or similar document that you generate and distribute under your own name or brand is your work product as between you and Finance Lobby, notwithstanding that it was produced with the assistance of AI Features, and Sections 8.4 and 8.5 apply in full.

16.5 Portfolio and Closed Deal Display. If you use any feature that displays your closed transactions, you represent and warrant that you have the right to disclose each transaction and its terms, that the disclosure does not breach any confidentiality obligation owed to a Borrower, Lender, or other party, and that any required consent has been obtained. You will indemnify Finance Lobby against any claim arising from such a display.

17. BROKER USE OF LENDER INFORMATION

17.1 Lender Lists and Contacts. You may build and maintain lists of Lenders and Lender contacts within the Platform. Where you upload, import, or manually add contact information for any person who is not a registered user, you represent and warrant that you obtained that information lawfully, that you are permitted to disclose it to Finance Lobby, and that its inclusion in the Platform does not violate any law or any obligation you owe to that person. You acknowledge that information you add may be displayed to other users of the Platform and may appear alongside registered Lender listings.

17.2 Restrictions on Use. Lender information obtained through the Platform, including directory entries, contact details, lending preferences, and performance metrics, may be used only to pursue your own Deals on the Platform. It may not be exported for use outside the Platform, added to any other database or customer relationship system other than as reasonably necessary for a specific Deal, sold, licensed, disclosed to any third party, or used to send unsolicited marketing. This restriction survives termination of your Account.

17.3 Communications with Lenders. You will not send any communication through the Platform that is false or misleading, that misstates the status or terms of a Deal, or that constitutes unsolicited marketing of your own products or services unrelated to a Deal.

PART III. ADDITIONAL TERMS APPLICABLE TO BORROWERS

18. BORROWER STATUS AND AUTHORITY

18.1 Who May Register. A Borrower Account may be held by an entity or by an individual acting for a business, commercial, or investment purpose. Where an Account is held by an entity, the individual registering represents and warrants that the individual is authorized to bind the entity.

18.2 Information About Individuals. You acknowledge that Deal Materials commonly include Personal Information about individuals other than the Account holder, including principals, sponsors, guarantors, key principals, and, in rent rolls and leases, tenants and occupants. You represent and warrant that, before submitting any such information, you have provided each affected individual with notice of the collection and of the disclosures described in these Platform Terms and the Privacy Policy, and have obtained each consent or authorization required by applicable law, including any consent required to transmit personal financial statements, tax returns, credit reports, and identifying information to Lenders and to the service providers described in Article 8.

18.3 No Credit Reports Obtained by Finance Lobby. Finance Lobby does not obtain consumer reports, credit reports, or credit scores on you, on any principal, or on any guarantor from any consumer reporting agency, does not perform any soft or hard credit inquiry, and does not act as a consumer reporting agency. Credit information enters the Platform only if you or another user uploads a document containing it or enters it manually. Any credit score or credit information displayed in the Platform is information you or another user supplied, is not verified by Finance Lobby, and must not be relied upon as a consumer report.

18.4 Business Purpose Certification. Article 14 applies in full. You specifically certify with respect to each Deal that the financing is for a business, commercial, or investment purpose, that the property is investment property, that it is not and will not be occupied as a residence by you or by any of your principals, and that any related party lease is at market rent. You will notify Finance Lobby immediately if any of these facts changes.

19. DISTRIBUTION AND CONTROL OF YOUR DEAL

19.1 Distribution. Deals are distributed to Lenders selected by you or, where you have engaged a Broker, by your Broker, and where you elect to do so, to the broader Lender network. You or your Broker may exclude specified Lenders and may view the list of Lenders to which a Deal has been distributed. You are responsible for reviewing distribution settings before publishing.

19.2 Withdrawal Does Not Recall Delivered Material. You may archive or delete a Deal at any time, which prevents further distribution and further generation of documents. Section 6.6 applies: material already delivered to or downloaded by a Lender or other recipient cannot be recalled, disabled, expired, or retrieved, and Finance Lobby has no ability and no obligation to do so. Recipients remain subject to Article 7, which Finance Lobby does not monitor or enforce.

19.3 Invited Third Parties. If you or your Broker grant access to a Deal to a third party such as an appraiser, attorney, accountant, or title company, you are responsible for the identity of that recipient and for the scope of access granted. Invited recipients are bound by Article 7 to the extent they accept these Platform Terms or the access terms presented to them; Finance Lobby makes no representation that any invited recipient has accepted any obligation.

19.4 No Confidentiality From Finance Lobby. Deal Materials are stored and processed by Finance Lobby and its service providers as described in the Privacy Policy and Article 8. Nothing in these Platform Terms creates any obligation of confidentiality running from Finance Lobby to you other than the commitments expressly set out in the Privacy Policy.

20. QUOTES AND OUTCOMES

20.1 Quotes Are Not Commitments. A Quote is an indication of potential interest and potential terms only. It is not a commitment to lend, an approval, a loan application decision, or an offer capable of acceptance, and it is subject in all respects to the Lender’s own diligence, underwriting, credit approval, documentation, and closing conditions. Quotes may be inaccurate, may be generated automatically without human review, and may be corrected, expired, declined, or withdrawn by the Lender.

20.2 Your Own Evaluation. You are solely responsible for evaluating every Quote, every Lender, and every proposed transaction, and for obtaining independent legal, tax, accounting, and financial advice. Finance Lobby does not recommend any Lender or any Quote, does not rank or present Quotes as advice, and does not verify any Lender’s authority, capacity, or willingness to fund.

20.3 No Guarantee. Finance Lobby does not guarantee that your Deal will receive any Quote, that any Quote will be honored, or that any transaction will close, and no fee is refundable on any such basis.

21. FEES

Where a Borrower holds a paid subscription, Article 11 applies in full. Where a Borrower participates through a Broker’s Account, the Broker is responsible for its own subscription fees, and the Borrower’s access may be limited by, and may terminate with, the Broker’s plan.

PART IV. ADDITIONAL TERMS APPLICABLE TO LENDERS

22. LENDER REGISTRATION AND STATUS

22.1 Registration. Lender Accounts are created by registration, telephone verification, and acceptance of these Platform Terms. Access to the Platform in the Lender role is offered at no subscription cost as of the effective date of these Platform Terms. Finance Lobby may introduce fees for Lender Accounts or for optional products on notice given in accordance with Section 2.5.

22.2 Directory Listings. The Finance Lobby lender directory contains both registered Lender Accounts and contact records for lending institutions and professionals that have been compiled or supplied by other users and that are not registered users of the Platform. A person or institution appearing in the directory that has not registered has not accepted these Platform Terms and is not bound by them. Any person or institution may request correction or removal of a directory listing by contacting info@financelobby.com, and Finance Lobby will act on any such request promptly. Finance Lobby does not represent that any directory listing is accurate, current, authorized, or complete.

22.3 Verification Indicators. Any badge, tier, or similar designation applied to a Lender listing is an internal administrative designation and is not a representation by Finance Lobby that any license, registration, program eligibility, or other credential has been confirmed. Some designations are associated with paid placement. Finance Lobby may add, modify, or remove any designation at any time.

22.4 Your Representations. You represent and warrant that you are authorized to originate, purchase, or participate in commercial real estate financing in each jurisdiction in which you quote, that you hold all required licenses and authorizations, that the individual registering is authorized to bind the institution, and that your participation on the Platform does not violate any law, regulation, supervisory directive, or internal policy applicable to you.

22.5 No Separate Agreement Unless Signed. These Platform Terms govern your use of the Platform. No other document, including any vendor agreement, information security questionnaire, data processing addendum, or supplier terms that you may present, is binding on Finance Lobby unless signed by an authorized officer of Finance Lobby.

23. LENDING PREFERENCES, MATCHING, AND FAIR LENDING

23.1 Preferences. You may configure lending preferences that determine the Deals presented to you. You are solely responsible for the criteria you set, for their accuracy, and for their compliance with applicable law. Finance Lobby does not review preferences for legal compliance and does not advise on them.

23.2 Fair Lending. Section 14.4 applies in full to every criterion, filter, exclusion, preference, and automated pricing rule you configure. You will not configure any criterion that discriminates, or that has the effect of discriminating, on the basis of any protected characteristic or any proxy for one, including geographic criteria selected for that purpose. Finance Lobby may review, restrict, or remove any criterion and may suspend any Account where it believes this Section may be implicated. You are solely responsible for your own fair lending program, testing, and recordkeeping, and Finance Lobby’s matching and distribution functionality is not a substitute for any of them.

23.3 Matching. Matching and distribution are provided on a commercially reasonable efforts basis. Finance Lobby does not guarantee that you will receive any Deal, that Deals presented will satisfy your criteria, or that any Deal has been screened, verified, or underwritten.

24. QUOTES AND AUTOMATED QUOTING

24.1 Responsibility for Quotes. Every Quote submitted from your Account, whether entered manually, generated from a template, or generated automatically, is your Quote. You are solely responsible for its content, accuracy, pricing, legal compliance, and for any consequence of its issuance, and you will honor or correct it in accordance with your own policies and applicable law.

24.2 Automated Quoting. If you enable automated quoting, you acknowledge and agree that (a) Quotes will be generated and published under your name and made visible to Brokers and Borrowers automatically, without human review, unless you affirmatively enable manual review; (b) Quotes are generated by applying pricing logic, configurations, formulas, or third party pricing services that you select and control, and Finance Lobby does not review, validate, test, or approve that logic; (c) errors in configuration, data, integration, or source Deal information may result in the publication of incorrect, mispriced, or unintended Quotes; and (d) YOU ASSUME ALL RISK ARISING FROM AUTOMATED QUOTING, INCLUDING THE PUBLICATION OF AN INCORRECT QUOTE, AND YOU WILL INDEMNIFY FINANCE LOBBY AGAINST ANY CLAIM ARISING FROM ANY QUOTE ISSUED FROM YOUR ACCOUNT.

24.3 Correction and Withdrawal. You are responsible for monitoring Quotes issued from your Account. Functionality to expire, decline, correct, or remove a Quote may be limited, and a Quote that has been viewed or downloaded cannot be recalled. Finance Lobby may suspend automated quoting for any Account, or disable the feature generally, at any time and without notice, including where it believes incorrect Quotes are being generated.

24.4 Not a Commitment. Each Quote is subject to Section 20.1. You may attach your own standard conditions and disclaimers to Quotes you issue, and you are responsible for ensuring that they are presented.

25. LENDER CONFIDENTIALITY AND USE OF DEAL MATERIALS

25.1 Confidentiality. Article 7 applies in full to all Deal Materials you receive. You acknowledge that Deal Materials routinely contain sensitive Personal Information, including personal financial statements, tax returns, credit information, and tenant information, and you will handle that information in accordance with your own legal and regulatory obligations and with no less than a reasonable degree of care.

25.2 Permitted Use. You may use Deal Materials only to evaluate, quote, underwrite, structure, participate in, or close the specific Deal to which they relate, and for internal credit, audit, and regulatory purposes. You may not use Deal Materials to build or enrich any database or marketing list, to solicit the Borrower or any tenant for unrelated products, or for any purpose competitive with the submitting Broker.

25.3 Independent Controller. Where you receive Personal Information through the Platform, you receive it as an independent party responsible for your own compliance with applicable privacy, data security, and breach notification laws. Finance Lobby does not process that information on your behalf, and you are not a processor or service provider of Finance Lobby with respect to it.

26. LENDER PROFILE, METRICS, AND MARKS

26.1 Profile and Metrics Display. You acknowledge and agree that Finance Lobby may display on your Lender profile, including to logged-out visitors where the profile is public, your institution name, logo, contact information, stated lending preferences, and activity and performance metrics derived from Platform activity, which may include the number of Quotes submitted, average response time, the percentage of Quotes accepted, and the percentage of quoted Deals that closed, in each case over a trailing period. You grant Finance Lobby a non-exclusive, royalty free license to display that information in that manner during the term of your Account.

26.2 Accuracy of Metrics. Metrics reflect Platform activity only, may be incomplete, delayed, or inaccurate, do not account for off-Platform activity or for the reasons any Quote was declined, and are not a representation by Finance Lobby about your institution. If you believe a displayed metric is inaccurate, contact info@financelobby.com and we will review it.

26.3 Suppression. Where Finance Lobby makes available an option to suppress or limit the display of your name or metrics, you may exercise it in your Account settings or by written request to info@financelobby.com, and Finance Lobby will apply the election on a going forward basis within a commercially reasonable period.

26.4 Names and Logos. You grant Finance Lobby a limited, non-exclusive, royalty free license to use and display your institution name, trade name, and logo in the directory, on your profile, and in materials identifying participants on the Platform, in accordance with any usage guidelines you provide. This license terminates on written notice from you, and Finance Lobby will remove the marks from media under its control within a reasonable period following that notice. Finance Lobby will not state or imply that you endorse Finance Lobby without your prior written consent.

PART V. TERMS APPLICABLE TO ALL ACCOUNT HOLDERS

27. THIRD PARTY DATA AND INTEGRATIONS

Data made available through the Platform, including comparable sales and rent information, operating expense benchmarks, market and neighborhood metrics, mapping information, and rate information, is licensed from or compiled from third party sources and, in some cases, entered manually. That data is provided on an as is basis, may be incomplete, delayed, estimated, or inaccurate, is subject to the restrictions imposed by the applicable source, and may be modified, restricted, or withdrawn at any time without notice. It may not be extracted, redistributed, resold, or used to construct a competing data set. Finance Lobby does not independently verify third party data, does not warrant it, and disclaims all liability arising from its use. Integrations with third party services are provided for convenience and are subject to the terms of the applicable provider.

28. FEEDBACK, IMPROVEMENT, AND BETA FEATURES

Section 8.3 of the Website Terms governs feedback. Features identified as prototype, beta, preview, or demonstration features are made available for evaluation only, may be incomplete, may produce inaccurate results, may be modified or withdrawn at any time, and are excluded from any warranty, service level, or commitment. Finance Lobby may use usage data and telemetry from all features to operate, secure, and improve the Platform.

29. DISCLAIMER OF WARRANTIES

THE PLATFORM, ALL DATA AND CONTENT MADE AVAILABLE THROUGH IT, ALL AI OUTPUT, AND ALL SERVICES PROVIDED IN CONNECTION WITH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS, AND WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, ORAL, WRITTEN, OR ELECTRONIC. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINANCE LOBBY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, FINANCE LOBBY DOES NOT WARRANT THAT (A) THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR FREE; (B) ANY DATA, COMPARABLE, BENCHMARK, METRIC, RATE, MATCH, QUOTE, OR AI OUTPUT IS ACCURATE, COMPLETE, OR CURRENT; (C) ANY USER IS LICENSED, AUTHORIZED, SOLVENT, OR TRUTHFUL; (D) ANY DEAL WILL BE QUOTED, APPROVED, FUNDED, OR CLOSED; OR (E) DEAL MATERIALS WILL NOT BE ACCESSED, COPIED, RETAINED, OR MISUSED BY A RECIPIENT. ARTICLE 14 OF THE WEBSITE TERMS APPLIES IN FULL AND IS INCORPORATED BY REFERENCE.

30. LIMITATION OF LIABILITY

30.1 Exclusion of Certain Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FINANCE LOBBY OR ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST GOODWILL, LOST OR CORRUPTED DATA, LOSS OF A TRANSACTION OR FINANCING OPPORTUNITY, LOSS OF PROSPECTIVE ECONOMIC ADVANTAGE, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE PLATFORM TERMS OR THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

30.2 Aggregate Cap. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF FINANCE LOBBY AND THE PARTIES DESCRIBED IN SECTION 30.1 FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE PLATFORM TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO FINANCE LOBBY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIVE HUNDRED UNITED STATES DOLLARS ($500.00).

30.3 Excluded Matters. FINANCE LOBBY HAS NO LIABILITY FOR (A) THE ACTS, OMISSIONS, ERRORS, MISREPRESENTATIONS, OR MISCONDUCT OF ANY USER OR RECIPIENT, INCLUDING ANY MISUSE, RETENTION, OR DISCLOSURE OF DEAL MATERIALS; (B) ANY QUOTE, INCLUDING ANY AUTOMATICALLY GENERATED OR INCORRECT QUOTE; (C) ANY DECISION MADE IN RELIANCE ON AI OUTPUT, PLATFORM DATA, OR THIRD PARTY DATA; (D) ANY FAILURE OF A TRANSACTION TO BE QUOTED, APPROVED, FUNDED, OR CLOSED; OR (E) ANY CONTENT SUBMITTED BY A USER.

30.4 Allocation of Risk. The limitations in this Article 30 reflect the allocation of risk between the parties, are an essential basis of the bargain, and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

31. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Finance Lobby and its members, managers, officers, employees, agents, affiliates, successors, and assigns from and against all claims, causes of action, demands, investigations, proceedings, liabilities, judgments, settlements, losses, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to (a) your use of the Platform; (b) any Deal Materials or other content you submit, including any claim that the submission was unauthorized or violated the rights of any individual, including any guarantor, sponsor, tenant, or other third party; (c) any Quote issued from your Account; (d) your breach of these Platform Terms, the Website Terms, or any representation, warranty, or certification made in them, including any certification under Article 14; (e) your violation of any applicable law, including any licensing, lending, fair lending, privacy, data protection, telemarketing, or electronic communications law; (f) any dispute between you and any other user or any third party; and (g) any communication or document you distribute under your own brand. Finance Lobby may assume the exclusive defense and control of any indemnified matter at your expense, and you will cooperate. You may not settle any matter imposing any obligation on Finance Lobby without our prior written consent.

32. DISPUTE RESOLUTION

Article 17 of the Website Terms, including the requirement of informal resolution, the choice of law, the agreement to binding individual arbitration, the class action and jury trial waivers, the exceptions for equitable relief, the forum selection provision, and the one year limitations period, is incorporated into these Platform Terms in full and applies to every dispute arising out of or relating to these Platform Terms, your Account, or the Platform.

33. GENERAL

33.1 Order of Precedence. In the event of a conflict, the order of precedence is (a) a written agreement signed by an authorized officer of Finance Lobby, (b) these Platform Terms, (c) the Website Terms, and (d) any other policy or documentation.

33.2 Entire Agreement; No Reliance. These Platform Terms, together with the Website Terms, the Privacy Policy, and any applicable supplemental terms, are the entire agreement between you and Finance Lobby regarding the Platform and supersede all prior and contemporaneous agreements, proposals, demonstrations, marketing materials, and representations. You have not relied on any statement not expressly set out in these Platform Terms.

33.3 Severability, Waiver, Assignment, Notices, Interpretation. Sections 20.3 through 20.10 of the Website Terms apply to these Platform Terms as if set out in full.

33.4 Survival. Any provision that by its nature should survive termination will survive.

33.5 Contact. Finance Lobby, LLC, 1680 Michigan Avenue, Miami Beach, Florida 33139. Email: info@financelobby.com. Privacy: privacy@financelobby.com. Telephone: 855-415-6229.

SCHEDULE A. BORROWER PORTAL SUBMISSION TERMS

These Submission Terms govern the submission of information by any person who submits information through a borrower portal operated by a Broker without registering for an Account. They are presented to, and must be accepted by, that person before any submission is made.

1. What this is. You have been invited by a broker or other party (the “Inviting Party”) to submit information and documents in connection with a prospective commercial real estate financing transaction. The submission tool is operated by Finance Lobby, LLC (“Finance Lobby”). By submitting information, you agree to these Submission Terms and acknowledge the Finance Lobby Privacy Policy, available at financelobby.com/privacy-policy.

2. Business purpose only. You confirm that the financing is sought for a business, commercial, or investment purpose, that the property is investment property, and that it is not and will not be occupied as a residence by you or by any principal of the borrowing entity.

3. Your information. You confirm that you are authorized to submit everything you upload, including documents containing information about other individuals such as principals, sponsors, guarantors, tenants, and occupants, and that you have obtained any consent required from those individuals. You confirm that the information you submit is accurate and complete in all material respects.

4. Where it goes. Information you submit is made available to the Inviting Party and to any lender or other recipient the Inviting Party selects. It is stored and processed by Finance Lobby and its service providers, including artificial intelligence service providers that extract and analyze document contents, as described in the Privacy Policy. Once material has been delivered to or downloaded by a recipient, it cannot be recalled.

5. No account, no advice. Submitting information does not create a Finance Lobby account. Finance Lobby is not a lender, broker, or adviser, is not a party to any transaction, does not verify any information, and gives no advice. Any relationship regarding the financing is between you and the Inviting Party and any lender.

6. Disclaimers and limits. The submission tool is provided on an as is basis without warranty of any kind. To the fullest extent permitted by law, Finance Lobby’s total liability to you arising from the submission tool will not exceed one hundred United States dollars ($100.00), and Finance Lobby will not be liable for indirect, incidental, special, consequential, or punitive damages. Finance Lobby is not responsible for the acts or omissions of the Inviting Party or of any recipient.

7. Disputes. Any dispute arising out of or relating to these Submission Terms is subject to the informal resolution, governing law, individual arbitration, class action waiver, and jury waiver provisions of the Finance Lobby Website Terms of Use, which are incorporated by reference and available at financelobby.com/terms-of-service.

8. Contact. Questions and privacy requests: privacy@financelobby.com, Finance Lobby, LLC, 1680 Michigan Avenue, Miami Beach, Florida 33139.