Effective Date: 11/16/2025
Last Updated: 11/17/2025

1. Acceptance of Terms

By accessing our website or engaging our services, you agree to these Terms of Service (“Terms”), which incorporate compliance obligations under SEC, FINRA, and applicable state lending laws.

2. Services Provided

We provide real estate advisory, private lending, and investment services subject to:

• SEC Regulation D for private placements
• FINRA Rules governing communications, suitability, and supervision
• State lending statutes and usury laws applicable to private lending transactions

3. Eligibility

• You must be at least 18 years old.
• Certain investment opportunities require accredited investor status under SEC Rule 501 of Regulation D.
• Lending services may require compliance with state licensing requirements.

4. Client Responsibilities

• Provide accurate information for KYC/AML compliance.
• Comply with all applicable securities and lending laws.
• Maintain confidentiality of login credentials and account information.

5. Advisory, Lending, and Investment Disclaimers

Risk Disclosure: Investments and loans involve risk, including potential loss of principal.

Regulatory Compliance: Transactions are subject to SEC, FINRA, and state lending oversight.

No Guarantee: Past performance does not guarantee future results.

Independent Advice: We do not provide tax, legal, or accounting advice; consult independent advisors.

6. Intellectual Property

All website content is owned by [Your Firm Name] and protected under U.S. copyright and trademark laws.

7. Limitation of Liability

To the fullest extent permitted by law, liability is limited consistent with state lending statutes and federal securities laws.

8. Indemnification

You agree to indemnify and hold harmless [Your Firm Name] from claims arising out of violations of SEC, FINRA, or state lending regulations.

9. Termination

We reserve the right to suspend or terminate services for violations of these Terms or regulatory obligations.

10. Governing Law & Jurisdiction

These Terms are governed by the laws of [Insert State], including applicable state lending laws, and federal securities regulations. Disputes shall be resolved exclusively in the courts of [Insert County/State].

11. Amendments

We may update these Terms to reflect changes in SEC, FINRA, or state lending regulations. Continued use constitutes acceptance of revised Terms.

12. Contact Us

For questions regarding these Terms, please contact:
F. Anthony Santiago, CEO
Email: asantiago@stjamesre.com