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Terms and Conditions & Privacy Policy
Clear Policies for Trusted Private Lending
Our Commitment to Transparency
Below are our Terms and Conditions and Privacy Policy, outlining how we operate and protect your information as a trusted private lender nationwide.
Terms and Conditions
Last Updated: March 23, 2025
1. Acceptance of Terms
By accessing or using www.TopCaliforniaLender.com (the 'Site') or submitting an application with Top California Lender ('we,' 'us,' or 'our'), you agree to these Terms and Conditions ('Terms'). If you do not agree, please do not use the Site or our services.
2. Services Overview
Top California Lender provides private lending for commercial real estate, offering non-recourse loans from $3M to $100M+ with fixed rates (9%-10.5%) and no prepayment penalties. Funding timelines (e.g., 8-day average) and loan approvals are subject to underwriting, market conditions, and applicant qualifications.
3. Eligibility
You must be at least 18 years old and a U.S. resident or entity to apply for a loan or broker partnership. We reserve the right to refuse service to anyone for any reason, per our discretion as a private entity.
4. Application Process
Loan and broker applications submitted via the Site are reviewed within 24-48 hours. Submission does not guarantee approval. You agree to provide accurate, complete information and, for loan applications, supporting documents (e.g., appraisals, financials) as requested.
5. Loan Terms and Conditions
Approved loans are subject to terms outlined in your loan agreement, including loan amount, term (6-60 months), interest rate (fixed, 9%-10.5%), and non-recourse status. Past performance ($1.3B funded, 420+ deals) does not guarantee future results. Private lending involves risks, including loss of capital.
6. Limitation of Liability
We are not liable for damages arising from your use of the Site or our services, including delays in funding, loan denials, or market changes. Information on the Site is for informational purposes only and subject to change without notice.
7. Governing Law
These Terms are governed by California law. Disputes will be resolved in courts located in the State of California.
8. Changes to Terms
We may update these Terms at any time. Continued use of the Site after changes constitutes acceptance of the revised Terms.
Privacy Policy
Last Updated: March 23, 2025
1. Information We Collect
We collect personal information you provide via forms (e.g., name, email, phone, property details), uploaded documents (e.g., financials), and Site usage data (e.g., IP address, browsing behavior) to process applications and improve our services.
2. How We Use Your Information
Your information is used to: evaluate loan and broker applications; communicate with you (e.g., 24-hour response, 8-day funding updates); comply with legal obligations; and enhance our Site and marketing (e.g., analytics for our $1.3B funding milestone).
3. Information Sharing
We share your data with: service providers (e.g., underwriting, CRM systems) under confidentiality agreements; legal authorities if required; and affiliates for business purposes. We do not sell your personal information.
4. Data Security
We use industry-standard measures (e.g., encryption, firewalls) to protect your data. However, no system is 100% secure, and we are not liable for unauthorized access beyond our control.
5. Your Rights (CCPA Compliance)
California residents may request access to, correction of, or deletion of their personal data under the California Consumer Privacy Act (CCPA). Email info@topcalifornialender.com to exercise these rights. Responses are provided within 45 days.
6. Cookies and Tracking
We use cookies to analyze Site traffic and personalize content. You can disable cookies in your browser, but this may limit functionality (e.g., form submissions).
7. Email Communications
By providing your email, you consent to receive updates (e.g., application status, news). Unsubscribe anytime via links in our emails, per CAN-SPAM Act requirements.
8. Changes to Privacy Policy
We may update this Privacy Policy. Changes are effective upon posting, and continued use of the Site signifies acceptance.