1. Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the website located at michaeldanielinvestments.com (the “Site”), operated by Michael Daniel Investments (“Company,” “we,” “us,” or “our”). By accessing or using this Site, submitting an inquiry, or requesting a consultation, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use this Site.

2. About Our Services

Michael Daniel Investments provides private lending, creative financing, and real estate consulting services, which may include but are not limited to cash-out second mortgages, bridge loans, bail-out loans, subject-to and owner-financing arrangements, fix-and-flip financing, and joint venture partnerships (“Services”). The Site is intended to provide general information about our Services and to facilitate initial inquiries. It does not constitute an offer, commitment, or guarantee of financing, lending, or any specific transaction terms.

3. No Financial, Legal, or Tax Advice

Private lending and creative financing structures — including subject-to transactions, owner financing, and bail-out loans — carry significant financial and legal risk and may not be appropriate for every situation. We strongly encourage independent legal and financial review before proceeding with any transaction discussed through this Site.

4. Eligibility

You must be at least 18 years of age and legally able to enter into binding contracts to use this Site or request our Services. By submitting any form on this Site, you represent that the information you provide is accurate and that you have the legal authority to request financing or services on behalf of the property or entity referenced.

5. Use of This Website

You agree to use this Site only for lawful purposes. You agree not to:

• Submit false, misleading, or fraudulent information through any form on this Site
• Attempt to gain unauthorized access to any portion of the Site or its underlying systems
• Use any automated system, bot, or scraper to access or extract content from the Site
• Interfere with or disrupt the operation of the Site or servers connected to it
• Use the Site in any way that violates applicable local, state, federal, or international law

6. Lending & Financing Terms

Any private lending, financing, or real estate transaction discussed as a result of contact through this Site is subject to a separate, formal written agreement between you and Michael Daniel Investments (or an affiliated lending entity), including but not limited to loan terms, interest rates, fees, repayment schedules, and collateral requirements. No terms quoted, discussed, or implied on this Site, by phone, or by email are binding until reflected in a fully executed written agreement.

All lending and financing activity is subject to applicable underwriting, due diligence, property valuation, and compliance review, and remains at the sole discretion of Michael Daniel Investments and any participating lending partners.

7. No Guarantee of Approval or Outcome

Submitting an inquiry, consultation request, or application through this Site does not guarantee approval for any loan, financing arrangement, or service. We reserve the right to decline to provide Services to any individual or entity for any lawful reason, including but not limited to property condition, creditworthiness, title issues, or geographic location.

8. Third-Party Links & Services

This Site may contain links to third-party websites or reference third-party service providers (including but not limited to title companies, escrow services, contractors, or appraisers). We do not control and are not responsible for the content, privacy practices, or services of any third party. Your use of any third-party website or service is at your own risk and subject to that party’s own terms and policies.

9. Intellectual Property

All content on this Site, including text, graphics, logos, images, and design elements, is the property of Michael Daniel Investments or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

10. Disclaimers

THIS SITE AND ALL CONTENT, INFORMATION, AND SERVICES DESCRIBED ON IT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MICHAEL DANIEL INVESTMENTS AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR PROPERTY, ARISING FROM YOUR USE OF THIS SITE OR ANY TRANSACTION DISCUSSED AS A RESULT OF YOUR USE OF THIS SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12. Indemnification

You agree to indemnify, defend, and hold harmless Michael Daniel Investments and its owners, officers, employees, and affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of your use of this Site, your violation of these Terms, or your violation of any rights of a third party.

13. Dispute Resolution & Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of such courts.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Site, with the “Last Updated” date revised accordingly. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

15. Contact Us

If you have questions about these Terms, please contact us:

Michael Daniel Investments
Phone: (818) 937-9987
Email: [Insert Email Address]
Address: [Insert Business Address]