Terms & Conditions

Effective Date: 2/1/2025

Welcome to MoeBrosLending.com (the “Site”). By accessing or using this Site, you agree to be bound by the following Terms & Conditions (“Terms”). If you do not agree to these Terms, you must not use this Site.

1. Company Overview

Moe Bros Lending (“Company,” “we,” “us,” or “our”) is a private lending company based in St. Louis, Missouri, offering hard money loans, rehab funding, and transactional funding exclusively to real estate investors.

We operate only in the State of Missouri and do not lend on owner-occupied or consumer-purpose loans.

Use of this Site is limited to users seeking commercial-purpose funding on investment properties.

2. No Guarantee of Approval or Terms

Submission of a loan application or inquiry does not constitute an offer, approval, or guarantee of funding. All lending decisions are subject to underwriting, review, and the sole discretion of Moe Bros Lending.

We reserve the right to deny any application at any time, for any reason or no reason, without explanation.

3. Not Licensed Brokers or Advisors

Moe Bros Lending is not a licensed mortgage broker, lender, financial advisor, or attorney. Nothing on this Site or in our communications should be considered legal, financial, or tax advice. You acknowledge that we do not act in a fiduciary capacity and do not represent your financial interests.

4. Use at Your Own Risk

You use this Site and our services entirely at your own risk. The content on this Site is provided “as is” and for general informational purposes only. We do not guarantee the accuracy, completeness, or reliability of any information provided.

5-A. No Financial or Investment Reliance

All information provided on MoeBrosLending.com is for general informational purposes only and does not constitute financial, investment, legal, or tax advice.

You agree that you will not rely on any content, tools, forms, or communications from Moe Bros Lending when making financial decisions or real estate investments.

You are solely responsible for evaluating risks and making your own decisions. We strongly recommend consulting with licensed professionals.

Moe Bros Lending shall not be liable for any loss, damage, or consequences resulting from reliance on any content or interaction related to this Site.

6. Limitation of Liability

To the maximum extent permitted by law, Moe Bros Lending and its owners, affiliates, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

Use of or inability to use the Site or services

Errors, delays, omissions, or disruptions in service

Third-party platform performance or failures (e.g., Go High Level)

Any investment or real estate outcomes

Data breaches or hacks involving third-party platforms

Total liability under these Terms shall not exceed $100.

7. Indemnification

You agree to indemnify, defend, and hold harmless Moe Bros Lending from any claims, liabilities, damages, or costs (including legal fees) resulting from:

Your use of the Site

Submission of false or unlawful information

Violation of these Terms

Breach of any applicable law

8. Third-Party Platforms & Security

This Site uses third-party platforms, including but not limited to Go High Level, for data collection, automation, and communication.

Moe Bros Lending does not control or manage the security of third-party platforms. In the event any third-party service is compromised (including breaches, hacks, or outages), Moe Bros Lending shall not be liable for any resulting damages or data exposure.

You acknowledge and accept these risks by using this Site.

9. Data Collection & Communication Consent

By submitting any form on this Site, you expressly consent to:

The collection, storage, and use of your personal and property data

Communication via phone, SMS, email, and other electronic methods (including automated calls or messages)

Use of your data for follow-up, loan evaluation, or marketing purposes

Standard carrier rates may apply.

Consent is not a condition of loan approval.

10. Force Majeure

Moe Bros Lending shall not be held liable for any failure or delay in performance due to causes beyond our control, including but not limited to: acts of God, cyberattacks, pandemics, war, natural disasters, service outages, or regulatory changes.

11. Right to Refuse Service

We reserve the right to refuse or terminate access to this Site or our services at our sole discretion, with or without notice.

12. Modifications to Terms

We may update these Terms at any time, with or without notice. The updated Terms will be posted on this page and take effect immediately. Your continued use of the Site constitutes acceptance of any changes.

13. Binding Arbitration & Waiver of Jury Trial

You agree that any disputes, claims, or controversies arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to a jury trial or participation in class actions.

Jurisdiction shall lie exclusively in St. Louis County, Missouri.

14. Entire Agreement

These Terms represent the entire agreement between you and Moe Bros Lending and supersede all prior communications, understandings, or agreements.

15. Contact

Questions regarding these Terms may be directed to:

[email protected]