Terms of Service | Opes Lending LLC

1. Acceptance of Terms

By accessing and using the website opeslending.com ("Site"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our Site. These terms constitute a legally binding agreement between you and Opes Lending LLC ("we," "us," or "our").

2. Services Description

Opes Lending LLC is a direct lender that provides financing solutions including residential lending, commercial lending, investment financing, and refinancing services. The information on this Site is for general informational purposes and does not constitute a commitment to lend or a loan offer.

3. Eligibility

You must be at least 18 years old and legally able to enter into binding contracts to use our services. By submitting an inquiry, you represent that all information provided is accurate and complete.

4. User Responsibilities

When using our Site, you agree to:

Provide accurate and truthful information in all forms and communications
Not use the Site for any unlawful or prohibited purpose
Not attempt to interfere with the proper functioning of the Site
Not impersonate another person or entity

5. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Opes Lending LLC, you agree to the following:

You may receive text messages regarding your lending inquiry, account updates, reminders, and promotional offers from Opes Lending LLC.
Messages may be sent using an automatic telephone dialing system (ATDS). You acknowledge that an ATDS may be used to deliver messages to your mobile device.
Message and data rates may apply depending on your carrier and plan. Message frequency varies.
You may opt out at any time by replying STOP to any message. After opting out, you will receive a confirmation message and no further texts unless you re-subscribe.
For assistance, reply HELP to any message or contact us at roy@opeslending.com.
Consent to receive SMS messages is NOT a condition of purchase or a requirement to obtain any product or service from Opes Lending LLC.
We do not share your phone number or SMS consent data with third parties for their marketing purposes.
Supported carriers include but are not limited to AT&T, T-Mobile, Verizon, and Sprint. Carrier messaging fees may apply.

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Opes Lending LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

7. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, Opes Lending LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or our services.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site constitutes acceptance of the updated terms.

11. Contact Us

For questions about these Terms of Service, please contact:

Opes Lending LLC
14925 Ventura Blvd #204
Sherman Oaks, CA 91403
Email: roy@opeslending.com