Terms of Service
Effective Date: July 7, 2026 | Last Updated: July 7, 2026
1. Agreement to Terms
By accessing or using the website, services, or SMS/text messaging programs of Universal REI Capital Group ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
2. Services Description
Universal REI Capital Group provides private lending and capital solutions for real estate investors, including bridge loans, fix & flip financing, rental property loans, new construction funding, DSCR loans, and commercial real estate financing. All lending decisions are subject to underwriting, approval, and applicable law.
3. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use our services. By using our services, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.
4. SMS/Text Messaging Terms (A2P Compliance)
By providing your mobile phone number and opting in to our SMS program, you agree to the following terms:
- Consent: You consent to receive SMS/text messages from Universal REI Capital Group at the phone number you provide.
- Opt-In Method: You may opt in by submitting your phone number through our website forms, by texting a designated keyword, or by providing verbal/written consent during application.
- Message Frequency: Message frequency varies. Expect up to 4 messages per month.
- Message Content: Messages may include loan application updates, funding notifications, promotional offers, payment reminders, and account-related information.
- Opt-Out: You may opt out at any time by texting "STOP" to any message or by contacting us at 424-380-7357. After opting out, you will receive one final confirmation message.
- Help: Text "HELP" for assistance or call 424-380-7357.
- Carrier Rates: Message and data rates may apply based on your mobile carrier plan. We are not responsible for carrier fees.
- Supported Carriers: Messages are supported by most major U.S. carriers, but delivery is not guaranteed.
- No Sharing for Marketing: We do not share your mobile phone number or SMS consent with third parties for independent marketing purposes.
- Privacy: Your information is handled in accordance with our Privacy Policy.
5. User Responsibilities
You agree to:
- Provide accurate and truthful information in all applications and communications.
- Not use our services for any unlawful or fraudulent purpose.
- Not interfere with the operation of our website or SMS systems.
- Maintain the security of any account credentials you may create.
6. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Universal REI Capital Group and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
7. Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our website or SMS services will be uninterrupted, timely, secure, or error-free.
8. Limitation of Liability
To the fullest extent permitted by law, Universal REI Capital Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services, even if advised of the possibility of such damages.
9. Indemnification
You agree to indemnify and hold harmless Universal REI Capital Group and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of our services or violation of these terms.
10. Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, 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 California.
11. Changes to These Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of our services after changes constitutes acceptance of the revised terms.
12. Contact Information
If you have any questions about these Terms of Service, please contact us:
Universal REI Capital Group
Phone: 424-380-7357