TERMS OF SERVICE

Effective Date: July 18, 2026
Last Updated: July 18, 2026
These Terms of Service govern your access to and use of synergylenders.com and any webpages, portals, application systems, forms, calculators, document-upload features, communications, materials, and other online services made available through the website.
The website is operated by Synergy Financial Partners, referred to in these Terms as “Synergy,” “we,” “us,” or “our.”
By accessing the website, submitting an inquiry, requesting financing information, starting an application, uploading documents, requesting an investment consultation, or otherwise using the website, you acknowledge that you have read and agree to these Terms.
If you do not agree to these Terms, you should not use the website.

1. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the website.
When you use the website on behalf of a company, partnership, trust, limited liability company, corporation, or other organization, you represent that you have authority to act on behalf of that organization and bind it to these Terms.
The website is intended primarily for individuals and businesses located in the United States. Products and services may not be available in every state or jurisdiction.

2. Synergy’s Services and Role

Synergy provides information and assistance relating to financing products and real estate-related financial services, which may include:

Commercial real estate financing
Construction financing
Development financing
Bridge loans
Private-money financing
Residential real estate financing
Fix-and-flip financing
Land acquisition and development financing
Commercial Property Assessed Clean Energy financing
Energy-project financing
Power Purchase Agreement-related services
Equipment and technology financing
Investment-related opportunities
Loan packaging, processing, placement, referral, or consulting services

Depending on the product, program, transaction, state, and participating parties, Synergy may act as:

A direct lender
A mortgage broker
A commercial loan broker
A loan arranger or packager
A referral source
A loan processor
A financing consultant
A representative of a lender, investor, fund, or service provider
An administrator or coordinator
Another role disclosed in the applicable transaction documents

Synergy’s exact role in a particular transaction will be determined by the applicable disclosures, application documents, engagement agreement, term sheet, loan documents, offering documents, or other written agreement.
Nothing on the website should be interpreted as a representation that Synergy acts as a direct lender for every financing product or transaction.

3. No Commitment to Lend

The website and its content do not constitute:

A commitment to lend
A loan approval
A binding loan offer
A guarantee of financing
A guarantee of a particular interest rate
A guarantee of a particular loan amount
A guarantee of a particular loan-to-value or loan-to-cost ratio
A guarantee of a closing or funding date
A guarantee that a borrower or property will qualify
A guarantee that any program will remain available

A financing commitment exists only when it is issued in a separate written document by an authorized lender and all conditions stated in that document have been satisfied.
Prequalification, preliminary review, conditional approval, verbal discussions, letters of interest, draft term sheets, estimates, scenarios, and expressions of interest are not final approvals or commitments to lend unless expressly identified as binding in a signed written agreement.
Synergy may decline to process, place, approve, or fund any transaction where permitted by law.

4. Rates, Terms, Programs, and Examples

Rates, fees, payments, loan amounts, leverage ratios, amortization schedules, loan terms, approval times, closing times, and other program information displayed on the website are examples or general program descriptions.
Actual financing terms may depend on factors including:

Credit history
Property value
Property type
Property condition
Loan purpose
Borrower experience
Income
Liquidity
Assets
Existing debt
Loan-to-value ratio
Loan-to-cost ratio
Debt-service coverage
Construction budget
Project feasibility
Appraisal results
Environmental reports
Title review
Insurance
Market conditions
Lender requirements
Investor requirements
State and federal law

All rates, programs, underwriting standards, and terms are subject to change or withdrawal without notice.
The fact that a program is described on the website does not mean that it is currently available or available in your state.

5. Applications and Information You Provide

When you submit an inquiry, application, questionnaire, document, or other information, you agree to provide information that is accurate, complete, current, and not misleading.
Information you may be asked to provide can include:

Identity and contact information
Business information
Property information
Loan-purpose information
Ownership information
Income and employment information
Asset and liability information
Credit-related information
Bank statements
Tax returns
Financial statements
Rent rolls
Construction budgets
Project plans
Appraisals
Environmental reports
Insurance information
Corporate documents
Government-issued identification
Other underwriting or due-diligence documents

You must promptly notify Synergy if material information changes.
Synergy and participating lenders, investors, processors, vendors, or service providers may rely on the information you submit. False, inaccurate, incomplete, altered, or misleading information may result in rejection, delay, cancellation, termination, reporting to appropriate authorities, or other action permitted by law.
You must not submit information belonging to another person unless you have lawful authority and any required consent to provide it.

6. Credit Reports and Verification

Using the website by itself does not automatically authorize Synergy to obtain your consumer credit report.
Where a credit report, background report, verification report, or other consumer report is required, Synergy or the applicable lender will obtain your authorization through a separate application, disclosure, certification, or consent process as required by law.
By submitting an application and providing the appropriate authorization, you may authorize Synergy, participating lenders, investors, brokers, and service providers to verify information relating to:

Credit
Identity
Employment
Income
Assets
Liabilities
Business ownership
Property ownership
Fraud-prevention records
Public records
Other information reasonably required to evaluate the transaction

The scope of any authorization will be governed by the separate authorization you receive.

7. Loan Processing and Third-Party Providers

Synergy may work with third parties to review, process, underwrite, arrange, close, fund, service, or support a financing transaction.
These parties may include:

Banks
Credit unions
Private lenders
Institutional lenders
Mortgage funds
Investors
Loan brokers
Loan processors
Underwriters
Appraisers
Title companies
Escrow companies
Attorneys
Accountants
Insurance providers
Environmental consultants
Engineers
Inspectors
Construction-control companies
Document-preparation providers
Credit-reporting agencies
Identity-verification providers
Fraud-prevention providers
Technology platforms
Government agencies
Other transaction participants

Third parties may impose their own terms, fees, privacy practices, eligibility standards, underwriting conditions, and document requirements.
Synergy is not responsible for a third party’s independent decision to approve, decline, delay, modify, suspend, or terminate a transaction.

8. Fees and Third-Party Costs

You may be responsible for fees and expenses associated with evaluating, processing, underwriting, closing, or servicing a transaction.
These may include:

Application fees
Processing fees
Underwriting fees
Appraisal fees
Inspection fees
Credit-report fees
Background-verification fees
Environmental-report fees
Engineering fees
Legal-document fees
Title and escrow fees
Recording fees
Broker fees
Commitment fees
Origination fees
Construction-control fees
Extension fees
Government fees
Other third-party expenses

The applicable fee arrangements will be disclosed in separate transaction documents where required.
Payment of an application fee, appraisal fee, processing fee, deposit, or third-party cost does not guarantee approval, closing, or funding.
Certain fees may be nonrefundable once work has begun or a third party has been engaged, subject to applicable law and the applicable written agreement.

9. Appraisals, Inspections, and Reports

Appraisals, inspections, environmental reports, engineering reports, title reports, and similar services may be performed by independent third parties.
Unless otherwise required by law or agreed in writing:

Synergy does not guarantee the accuracy of third-party reports
A report prepared for a lender may not be intended for the borrower’s reliance
Payment for a report does not necessarily make the borrower the client of the report provider
A report may be subject to separate use restrictions
A property value may change after the report date
An appraisal does not guarantee loan approval

You should obtain independent professional advice regarding any property, environmental, engineering, construction, title, insurance, or valuation issue.

10. Construction and Development Financing

Construction and development financing may involve additional risks, conditions, and administrative requirements.
These may include:

Approved plans and permits
Construction budgets
Draw schedules
Inspections
Progress reports
Contractor approvals
Mechanic’s-lien controls
Interest reserves
Completion guarantees
Cost-overrun requirements
Contingency reserves
Borrower equity contributions
Insurance requirements
Environmental approvals
Final completion verification

Loan proceeds may be disbursed in stages and may be subject to inspection, documentation, lien releases, budget compliance, and lender approval.
Website descriptions of construction financing do not modify the terms of any construction loan documents.

11. Commercial PACE and Energy Financing

Commercial Property Assessed Clean Energy and other energy-related financing programs may be subject to:

Property eligibility requirements
Local-program availability
Government approval
Mortgage-lender consent
Property assessments
Program-administrator requirements
Energy audits
Engineering reviews
Contractor requirements
Project verification
Tax-assessment collection procedures
Other statutory and contractual conditions

Synergy does not guarantee that a property, project, owner, improvement, or contractor will qualify for a C-PACE or energy-financing program.
Any estimates of savings, energy production, tax treatment, property value, or project performance are illustrative and are not guaranteed.

12. Equipment and Technology Financing

Equipment, software, technology, and related financing may be provided by independent lenders or leasing companies.
The applicable provider may retain ownership of financed or leased equipment, impose use restrictions, require insurance, file liens, or apply end-of-term purchase, renewal, or return provisions.
You are responsible for reviewing all equipment-financing or lease documents before signing.
Synergy does not guarantee the performance, condition, merchantability, suitability, installation, maintenance, or technical functionality of equipment supplied by another party.

13. Investment and Securities Information

The website may contain information about mortgage funds, real estate investment opportunities, private lending, accredited-investor opportunities, or other investments.
Website information is provided only for general informational and discussion purposes.
Nothing on the website constitutes:

A public offering of securities
A recommendation to purchase or sell a security
Investment advice
Legal advice
Tax advice
Accounting advice
A guarantee of investment performance
A guarantee of income, distributions, dividends, liquidity, or return of capital

Any offer or sale of an investment interest will be made only through the applicable confidential private placement memorandum, subscription agreement, operating agreement, investor questionnaire, risk disclosures, and other governing documents.
Those documents will control over all website content.
Investment opportunities may be available only to verified accredited investors or other eligible investors. Investments may be illiquid, may be subject to transfer restrictions, and may result in partial or total loss of capital.
Past performance, projected returns, target returns, and examples are not guarantees of future results.
You should consult independent legal, tax, accounting, and investment advisers before investing.

14. No Professional Advice

Website content is provided for general informational purposes and does not constitute:

Legal advice
Tax advice
Accounting advice
Investment advice
Financial-planning advice
Real estate advice
Engineering advice
Environmental advice
Insurance advice

You should consult qualified independent professionals before making a legal, tax, financial, investment, real estate, construction, environmental, or insurance decision.

15. Equal Credit Opportunity

Synergy supports fair and lawful access to financing.
Credit decisions and financing services are subject to applicable federal and state fair-lending and antidiscrimination laws.
Nothing on the website authorizes discrimination based on any characteristic protected by applicable law.
Specific Equal Housing Opportunity, Equal Credit Opportunity Act, state-license, NMLS, lender, broker, or program disclosures may be provided separately where applicable.

16. Electronic Communications and Signatures

By submitting information through the website or providing your email address, you consent to receive communications electronically regarding your inquiry or application.
Electronic communications may include:

Application updates
Document requests
Transaction notices
Disclosures
Appointment confirmations
Status updates
Requests for signatures
Customer-service communications

Certain transactions may require separate consent under the Electronic Signatures in Global and National Commerce Act or other applicable electronic-signature laws.
Where separate consent is required, it will be presented through the applicable application, portal, disclosure, or document-signing platform.
You are responsible for maintaining a valid email address and the hardware and software needed to access electronic communications.

17. Telephone, Email, and Text Communications

When you provide a telephone number or email address, you authorize Synergy and its representatives to contact you regarding your inquiry, application, transaction, or existing business relationship.
Communications may be made by:

Telephone
Email
Voicemail
Text message
Automated appointment or status notification
Postal mail

Providing a telephone number does not, by itself, constitute consent to receive automated marketing calls or marketing text messages where separate consent is required by law.
Marketing messages will be sent only where permitted and after any required consent has been obtained.
Consent to marketing is not a condition of obtaining financing or purchasing a service.
Message and data rates may apply. You may withdraw marketing consent using the instructions included in the message.

18. User Accounts and Portals

Certain services may require access to an online account, application portal, broker portal, contractor portal, document platform, or third-party system.
You are responsible for:

Maintaining the confidentiality of your login credentials
Using strong and unique passwords
Restricting access to your device
Providing accurate account information
Notifying Synergy promptly of suspected unauthorized access
Logging out after using shared devices

You may not share credentials with unauthorized users or attempt to access another person’s account.
Synergy may suspend or restrict account access where fraud, misuse, a security threat, or a violation of these Terms is suspected.

19. Acceptable Use

You may use the website only for lawful purposes.
You may not:

Submit false or fraudulent information
Impersonate another person or organization
Upload forged, altered, stolen, or unauthorized documents
Attempt to access restricted systems
Interfere with website security or operation
Introduce viruses, malware, scripts, bots, or harmful code
Scrape or harvest website content without authorization
Use the website for money laundering, fraud, sanctions evasion, or another unlawful purpose
Violate another person’s privacy or intellectual property rights
Use Synergy’s name or content in a misleading manner
Attempt to reverse-engineer website technology
Overload or disrupt the website or associated systems

Synergy may investigate suspected misuse and cooperate with government agencies or law enforcement where permitted or required by law.

20. Intellectual Property

The website and its content, including text, graphics, logos, branding, photographs, videos, designs, software, forms, documents, and downloadable materials, are owned by or licensed to Synergy.
These materials are protected by copyright, trademark, trade dress, and other intellectual property laws.
Synergy grants you a limited, revocable, nonexclusive, nontransferable right to access and use the website for lawful informational and transactional purposes.
You may not copy, reproduce, republish, distribute, modify, sell, license, or commercially exploit website content without written permission.
Third-party names, logos, and trademarks remain the property of their respective owners.

21. Information and Materials Submitted to Synergy

You retain ownership of original materials you submit.
By submitting information or documents, you grant Synergy permission to use, copy, store, transmit, disclose, review, and process those materials as reasonably necessary to:

Respond to your request
Evaluate an application
Identify financing options
Obtain lender or investor interest
Verify information
Perform underwriting
Process or close a transaction
Comply with legal obligations
Maintain business records
Prevent fraud
Protect legal rights

You represent that you have the authority to provide all submitted materials.

22. Third-Party Websites

The website may contain links to lenders, investors, application systems, document platforms, social media services, government programs, affiliates, vendors, or other third-party websites.
Synergy does not control and is not responsible for the availability, security, content, accuracy, privacy practices, or terms of third-party websites.
Your use of a third-party website is subject to that third party’s policies.
A link does not constitute an endorsement, guarantee, partnership, or warranty.

23. Website Availability and Changes

Synergy may modify, suspend, restrict, or discontinue the website or any feature without notice.
Synergy does not guarantee that:

The website will be uninterrupted
The website will always be available
All errors will be corrected
Information will always be current
The website will be free from harmful components
Submitted information will always be successfully transmitted

You are responsible for retaining copies of important documents and communications.

24. Disclaimer of Warranties

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.
Synergy disclaims all implied warranties concerning the website, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, and availability.
Synergy does not warrant that use of the website will result in:

Financing approval
A successful closing
A particular interest rate
A particular loan amount
A particular investment result
Approval by a lender, investor, government agency, or program administrator
A particular tax, legal, accounting, or financial outcome

Any express warranty concerning a specific service or transaction must be contained in a separate written agreement.

25. Limitation of Liability

To the fullest extent permitted by law, Synergy and its owners, officers, directors, employees, agents, affiliates, licensors, contractors, lenders, investors, and service providers will not be liable for indirect, incidental, special, punitive, exemplary, or consequential damages arising from the website.
This includes damages relating to:

Lost profits
Lost business opportunities
Lost data
Financing delays
Failed transactions
Property purchases
Project delays
Investment losses
Third-party conduct
Reliance on website content

Synergy’s total liability arising solely from your use of the website will not exceed one hundred United States dollars.
This limitation does not apply where prohibited by law or to obligations expressly accepted in a separate signed agreement.

26. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless Synergy and its owners, directors, officers, employees, representatives, affiliates, licensors, contractors, and service providers from claims, losses, damages, liabilities, penalties, and reasonable legal fees arising from:

Your misuse of the website
False or unauthorized information submitted by you
Your violation of these Terms
Your violation of applicable law
Your infringement of another party’s rights
Fraudulent or unlawful activity connected to your account or submission

This section does not require indemnification for claims caused solely by Synergy’s unlawful conduct.

27. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.
Unless a separate agreement states otherwise, disputes relating solely to the website or these Terms must be brought in a state or federal court located in Los Angeles County, California.
You consent to the jurisdiction and venue of those courts.
Nothing prevents either party from seeking emergency or temporary injunctive relief from a court of competent jurisdiction.

28. Changes to These Terms

Synergy may revise these Terms from time to time.
The revised Terms will be posted with an updated “Last Updated” date.
Changes apply prospectively from the date of publication unless another effective date is stated.
Your continued use of the website after revised Terms are posted constitutes acceptance of the revised Terms.

29. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the provision will be enforced to the maximum extent permitted by law.
The remaining provisions will remain in effect.

30. No Waiver

Synergy’s failure to enforce a provision does not waive its right to enforce that provision or another provision later.

31. Entire Agreement

These Terms and the Privacy Policy constitute the agreement governing your general use of the website.
Applications, engagement agreements, broker agreements, term sheets, commitment letters, loan documents, investment offering documents, privacy notices, and other transaction-specific agreements may contain additional or different terms.
Where a transaction-specific signed agreement conflicts with these Terms, the transaction-specific agreement will control for that transaction.

32. Contact Information

Questions regarding these Terms may be directed to:
Synergy Financial Partners
4500 Park Granada Blvd, Suite 202
Calabasas, California 91302
Telephone: (323) 615-2062
Email: info@synergybanc.com