Terms of Service

Last Updated: April 20, 2026

1. Introduction and Agreement

These Terms of Service ("Terms") govern your access to and use of the website hardmoneylendersventuracounty.com (the "Website") and any related services operated by Lead Skills, LLC under the brand Hard Money Loans of Ventura County ("we," "us," or "our"). By accessing or using the Website or submitting a financing inquiry, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Website.

2. Our Role: Lead Generation Service

Hard Money Loans of Ventura County operates a lead-generation service that connects prospective borrowers with one or more participating hard money lenders who may be able to provide financing. We do not make loans, extend credit, take loan applications, issue loan commitments, set rates or terms, or make any credit decisions. All credit decisions, underwriting, pricing, documentation, funding, and servicing are the responsibility of the participating lender. A current list of participating lenders is available upon request.

3. No Offer or Solicitation

Information on this Website is provided for general informational purposes only and does not constitute an offer to lend, a commitment to lend, financial advice, legal advice, or a solicitation in any jurisdiction where such an offer or solicitation would be unlawful. Any rates, terms, or program descriptions referenced on the Website are illustrative only, are provided by or attributable to participating lenders, and are subject to change without notice. Your eligibility and any actual terms will be determined by the participating lender based on its own underwriting.

4. Eligibility

You must be at least 18 years of age and legally able to enter into a binding contract to use the Website. You agree to provide accurate, current, and complete information in any inquiry you submit and to update that information as needed. Providing false, misleading, or incomplete information is a material breach of these Terms.

5. Your Consent to Be Contacted

By submitting a financing inquiry and checking the consent box, you provide your prior express written consent for one or more participating lenders to contact you at the phone number and email address you provided, including by autodialer, prerecorded or artificial voice, SMS/text message, and email, regarding your financing inquiry. You understand your information will be shared with one or more participating lenders who may contact you. Consent is not a condition of receiving any services or obtaining a loan. Message and data rates may apply. Message frequency varies. You can opt out at any time by replying STOP to any text or calling 805-301-6497. See our Privacy Policy for additional detail.

6. Equal Opportunity

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

7. Acceptable Use

You agree not to:

• Submit false, misleading, or fraudulent information.
• Use the Website to violate any applicable law, regulation, or third-party right.
• Attempt unauthorized access to the Website, related systems, other users' data, or participating lenders' systems.
• Introduce viruses, malware, or any code intended to disrupt or harm the Website.
• Harvest, scrape, or collect information from the Website by automated means without our prior written consent.
• Interfere with or disrupt the Website's operation or security.

8. Intellectual Property

The Website and all content on it, including text, graphics, logos, layouts, images, and software, are owned by or licensed to Lead Skills, LLC and are protected by copyright, trademark, and other intellectual property laws. You may view and use the Website for personal, non-commercial purposes only. You may not copy, reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our prior written permission.

9. Third-Party Links and Services

The Website may contain links to websites, content, or services operated by third parties, including participating lenders. We do not control and are not responsible for the content, privacy practices, or conduct of any third party. Your dealings with any third party, including any loan transaction with a participating lender, are solely between you and that third party.

10. Disclaimers

THE WEBSITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT, INCLUDING CONTENT PROVIDED BY PARTICIPATING LENDERS OR OTHER THIRD PARTIES.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LEAD SKILLS, LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR ANY SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OUR AGGREGATE LIABILITY EXCEED ONE HUNDRED U.S. DOLLARS ($100).

12. Indemnification

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

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. You agree that any dispute arising out of or related to these Terms or the Website will be resolved exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of those courts.

14. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated Terms on this page and revise the "Last Updated" date above. Your continued use of the Website after the updated Terms are posted constitutes your acceptance of the revised Terms.

15. Contact

If you have questions about these Terms, contact us: