Terms & Conditions

Effective Date: March 31, 2026

Acceptance of Terms

By accessing and using the website kinfolk-home-loans.com ("Site"), you accept and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Site or services. These Terms constitute a legally binding agreement between you and Kinfolk Home Loans LLC ("Company," "we," "our," or "us").

Description of Services

Kinfolk Home Loans LLC is a financial services company operating as a direct lender. We provide business funding solutions including but not limited to working capital loans, equipment financing, commercial real estate loans, revenue-based financing, business expansion loans, and inventory financing.

Our Site provides information about our services and allows potential clients to submit inquiries and applications. The information on our Site is for general informational purposes and does not constitute a loan offer or commitment.

Eligibility

To use our services, you must be at least 18 years of age and have the legal authority to enter into binding contracts. If you are using our services on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.

User Responsibilities

When using our Site and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Not use the Site for any unlawful purpose
• Not attempt to interfere with the proper operation of the Site
• Not transmit harmful code, viruses, or other malicious software
• Not attempt to gain unauthorized access to our systems

Loan Applications and Financing

Submitting an inquiry or application through our Site does not guarantee approval or funding. All loan applications are subject to our underwriting criteria, verification of information, and final approval at our sole discretion. Loan terms, rates, and conditions will be specified in separate loan agreements.

We reserve the right to decline any application for any lawful reason. Approved loan terms may differ from initial estimates or quotes provided during the inquiry process.

SMS Terms & Conditions

By opting in to receive SMS/text messages from Kinfolk Home Loans LLC, you agree to the following terms:

• You consent to receive recurring marketing and promotional SMS/MMS messages from Kinfolk Home Loans LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
• Message frequency varies. You may receive up to 4 messages per month.
• Message and data rates may apply depending on your carrier and plan.
• To opt out at any time, reply STOP to any message you receive from us. You will receive a final confirmation message and no further SMS communications.
• For help or assistance, reply HELP to any message or contact us at cody@kinfolk-home-loans.com.
• Consent is NOT a condition of purchase. You are not required to consent to SMS messaging to obtain any product or service from Kinfolk Home Loans LLC.
• We are not responsible for any charges applied by your mobile carrier for sending or receiving text messages.
• SMS messaging may not be available on all mobile carriers or devices.

Intellectual Property

All content on our Site, including text, graphics, logos, images, and software, is the property of Kinfolk Home Loans LLC or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

Disclaimer of Warranties

Our Site and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our Site will be uninterrupted, error-free, or free of harmful components.

We do not guarantee specific loan amounts, rates, or terms. All financial products are subject to underwriting approval and may vary based on individual circumstances.

Limitation of Liability

To the fullest extent permitted by law, Kinfolk Home Loans LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Site or services, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Kinfolk Home Loans LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Site or services, your violation of these Terms, or your violation of any third-party rights.

Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of those third-party sites. Your use of third-party links is at your own risk.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Maricopa County, Arizona.

Modifications 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 effective date. Your continued use of our Site after changes are posted constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Us

If you have questions about these Terms and Conditions, please contact us:

Kinfolk Home Loans LLC
8344 E Earll Dr, Scottsdale, AZ 85251
Email: cody@kinfolk-home-loans.com