Terms & Conditions

By accessing or using the Website, you confirm that you:

• Are at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Will use the Website in compliance with all applicable laws and regulations

You may use the Website solely for lawful purposes and in accordance with these Terms. You agree not to:

• Engage in unauthorized data collection, scraping, or harvesting
• Attempt to disrupt or harm server operations or security
• Upload harmful code, malware, or automated scripts
• Misrepresent your identity or impersonate another individual or entity
• Use the Website for fraudulent or misleading activities

By submitting a form or contacting Oak Beach Lending, you acknowledge that:

• Communication with a funding specialist does not guarantee approval or availability of any funding program
• All decisions related to eligibility, qualification, or service offerings are at the sole discretion of Oak Beach Lending and its partners
• You are responsible for providing accurate, complete, and truthful information
• We may decline or discontinue communication if incomplete, inaccurate, or suspicious information is provided.

All information provided on the Website, through email, or during communication is for general informational purposes only. It should not be interpreted as:

• Financial advice
• Legal advice
• Tax advice
• Investment advice

All content on the Website—including text, graphics, logos, icons, images, design elements, downloadable files, and layout—is owned by Oak Beach Lending or licensed for our use.

You may not, without written permission:

• Copy, modify, or reproduce any content
• Distribute, display, or publish materials
• Use any trademarks, branding, or proprietary information
• Reverse engineer or replicate the Website

The Website may contain links to external websites or resources. Oak Beach Lending is not responsible for:

• Third-party content
• Third-party accuracy, security, or policies
• Losses or damages resulting from using external websites

Your use of the Website is also governed by our Privacy Policy, which explains:

• What information we collect
• How it is used
• How it is protected
• Your data rights

By contacting us or submitting your details, you consent to receiving communications from Oak Beach Lending, including:

• Email responses
• Phone calls
• SMS notifications (if applicable)

The Website and all content are provided "as is" and "as available." Oak Beach Lending makes no guarantees regarding:

• Accuracy, reliability, or completeness of information
• Website availability or uninterrupted operation
• Suitability of services for any specific purpose
• Future availability of programs or offerings

To the fullest extent permitted by law, Oak Beach Lending is not liable for any damages arising from:

• Use or inability to use the Website
• Errors, delays, or interruptions in service
• Data loss or unauthorized access
• Business losses or financial impacts
• Reliance on Website content or communications

You agree to indemnify and hold Oak Beach Lending harmless from any claims, liabilities, damages, losses, or expenses—including legal fees—arising from:

• Your use of the Website
• Your violation of these Terms
• Your misuse of any information or service
• Your infringement of third-party rights

We may update or revise these Terms at any time. Revised versions will be posted on this page with an updated "Last Updated" date.

Oak Beach Lending may, at its discretion, suspend or terminate your access to the Website if you:

• Violate these Terms
• Engage in abusive, fraudulent, or harmful activities
• Interfere with operations or security

These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes will be resolved in the appropriate courts located in Miami-Dade County, Florida.