Terms of Service.

These Terms of Service ("Terms") are a legal agreement between you and REI Transactional LLC ("REI Transactional," "we," "us," or "our") governing your access to and use of our website, our communications with you (including phone, email, and text message), and the services we provide. By using our website, submitting information to us, or communicating with us, you agree to these Terms. If you do not agree, please do not use our website or services.

1.Acceptance of These Terms

By accessing or using the REI Transactional website, submitting an application or inquiry, or otherwise interacting with us, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. These Terms apply to all visitors, users, and others who access our website or services.

2.Who We Are & Eligibility

REI Transactional LLC is a private lender offering short-term, business-purpose real estate financing — including bridge loans, fix and flip loans, second position equity loans, and double close transactional funding — to real estate investors in North Carolina, South Carolina, Georgia, Tennessee, and Virginia. We are based in Clayton, NC.

Our website and services are intended for business and investment professionals who are at least 18 years old. We do not provide consumer or residential mortgage loans; all financing is for commercial or investment purposes only. By using our services, you represent that you meet these requirements and that any information you provide is accurate.

3.No Offer or Guarantee of Funding

The information on our website, and any communication from us, is provided for informational purposes only and does not constitute an offer, commitment, or guarantee to lend or to approve any loan. All loan products, rates, terms, and availability are subject to change without notice and to our underwriting and approval process. Nothing on this website creates a lending relationship or obligates REI Transactional to provide financing.

4.Loan Products & Underwriting

All loans are subject to our underwriting criteria, including the value of the collateral, your experience and track record, your exit strategy, and other factors we determine in our sole discretion. Rates, points, loan-to-value limits, loan amounts, and terms vary by deal and are confirmed only in a written term sheet or loan agreement. Any figures shown on this website are illustrative and are not a quote or commitment.

5.SMS / Text Messaging Terms

6.Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains what information we collect, how we use it, and the choices you have. By using our services, you consent to the practices described in the Privacy Policy.

7.Acceptable Use

You agree to use our website and services only for lawful purposes. You agree not to:

• Provide false, misleading, or fraudulent information;
• Use our website or services in violation of any applicable law or regulation;
• Attempt to gain unauthorized access to our systems, or interfere with or disrupt the website;
• Use automated means to scrape, harvest, or collect information from the website without our permission;
• Transmit any malware, viruses, or harmful code.

8.Intellectual Property

All content on this website — including text, graphics, logos, the REI Transactional name and brand, page layouts, and software — is the property of REI Transactional LLC or its licensors and is protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.

9.Third-Party Links & Services

Our website may contain links to third-party websites and services, such as our loan application portal, scheduling tools, and social media. We do not control and are not responsible for the content, policies, or practices of any third-party sites or services. Your use of them is at your own risk and subject to their terms.

10.Disclaimers

Our website and services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or secure, or that any information on it is accurate, complete, or current. Nothing on this website constitutes legal, financial, tax, or investment advice; you should consult your own advisors before making decisions.

11.Limitation of Liability

To the fullest extent permitted by law, REI Transactional LLC and its members, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising out of or related to your use of our website or services, whether based in contract, tort, or otherwise, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or your use of the website will not exceed one hundred dollars ($100).

12.Indemnification

You agree to indemnify and hold harmless REI Transactional LLC and its members, officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of our website or services, your violation of these Terms, or your violation of any law or the rights of any third party.

13.Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or your use of our website or services will be subject to the exclusive jurisdiction of the state and federal courts located in North Carolina, and you consent to the jurisdiction of those courts.

14.Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of our website or services after changes take effect means you accept the updated Terms.

15.Contact Us

If you have questions about these Terms, reach out to us: