Terms of Service

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Everest Capital Management Group LLC ("Everest Capital," "we," "us," or "our") governing your access to and use of our website, services, and any related content or materials.

By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our services.

Description of Services

Everest Capital provides private real estate lending services, including but not limited to:

Fix & flip loans
Bridge loans
Rental portfolio financing
Business-purpose real estate loans
Equity-backed refinancing
Rent-to-own financing
Investment opportunities for qualified investors

All lending services are subject to underwriting approval, collateral evaluation, and compliance with applicable federal and state laws.

Eligibility

To use our services, you must:

Be at least 18 years of age
Have the legal capacity to enter into binding contracts
Provide accurate and complete information during application
Comply with all applicable laws and regulations
Meet our lending or investor qualification criteria

Loan Applications and Approval

Submission of a loan application does not guarantee approval or funding. All loan applications are subject to:

Property valuation and collateral assessment
Credit checks and background verification
Title review and insurance verification
Underwriting analysis and risk evaluation
Compliance with our lending standards and policies

We reserve the right to decline any loan application at our sole discretion. Loan terms, including interest rates, fees, loan-to-value ratios, and repayment schedules, will be specified in a separate loan agreement.

Fees and Payment Terms

Borrowers are responsible for all fees associated with loan origination, processing, and servicing, including but not limited to:

Origination fees
Interest charges
Late payment fees
Third-party costs (title, appraisal, legal, recording fees)
Prepayment penalties (if applicable)

All fees and payment terms will be disclosed in your loan documents. Failure to make timely payments may result in default, foreclosure proceedings, and legal action.

Investor Participation

Investment opportunities are available only to accredited or qualified investors as defined by applicable securities laws. Participation in our lending programs involves risk, including:

Risk of borrower default
Market fluctuations affecting collateral value
Potential loss of principal
Illiquidity of investment

Past performance is not indicative of future results. Investors should consult with financial and legal advisors before participating.

Intellectual Property Rights

All content on this website, including text, graphics, logos, images, and software, is the property of Everest Capital Management Group LLC and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Prohibited Uses

You agree not to:

Provide false or misleading information
Engage in fraudulent or illegal activities
Attempt to gain unauthorized access to our systems
Transmit viruses, malware, or harmful code
Violate any applicable laws or regulations
Interfere with the proper functioning of our website or services

Disclaimers and Limitation of Liability

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee uninterrupted or error-free service. To the fullest extent permitted by law, Everest Capital shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services.

Indemnification

You agree to indemnify, defend, and hold harmless Everest Capital Management Group LLC, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of our services or violation of these Terms.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict of law principles. Any disputes arising from these Terms or our services shall be resolved through binding arbitration in North Carolina, except where prohibited by law.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.