These Terms & Conditions (“Terms”) govern your access to and use of lendingahandllc.com (the “Site”) and any services, consultations, educational materials, booking, or communications provided by Lending A Hand (“Lending A Hand,” “we,” “us,” “our”). By using the Site, you agree to these Terms.
1) Who We Are
Lending A Hand provides educational and consulting support related to credit education, business funding education, and real estate education. We are based in San Antonio, Texas.
2) Our Services & Disclosures
- No lender decision authority. If we connect you with third-party lenders or institutions, those third parties make all underwriting/approval decisions.
- No guaranteed results. Outcomes depend on many factors outside our control (credit profile, banking history, lender criteria, market conditions, etc.).
- Not legal/tax/financial advice. Any information is general education. You should consult your attorney, CPA, or licensed financial professional for advice specific to you.
3) Eligibility
You must be at least 18 years old to use the Site or request services. By using the Site, you represent that you meet this requirement.
4) Appointments, Payments, and Cancellations
- Bookings: If you book a consultation, you agree to provide accurate contact information and show up on time.
- Fees: Any fees for paid services will be presented to you before purchase or in an invoice/checkout flow.
- Cancellations/Reschedules: Please reschedule as early as possible. If you miss an appointment (“no-show”), we may charge a reasonable fee if disclosed at booking.
- Refunds: Refund eligibility (if any) will be stated in writing for the specific product/service you purchased.
5) Acceptable Use
You agree not to:
- Use the Site for unlawful, deceptive, or abusive purposes.
- Attempt to access non-public areas of the Site, accounts, or systems.
- Interfere with Site operation (e.g., malware, scraping at harmful rates, denial-of-service attacks).
- Misrepresent your identity or submit someone else’s information without permission.
6) Intellectual Property
The Site and its content (text, graphics, logos, methods, templates, videos, and materials) are owned by Lending A Hand or its licensors and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our prior written consent, except for personal, non-commercial use of materials you lawfully obtained from us.
7) Disclaimers
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
8) Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDING A HAND WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES. IN ALL CASES, OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM (OR $100 IF YOU PAID NOTHING), WHICHEVER IS GREATER.
9) Indemnification
You agree to indemnify and hold harmless Lending A Hand and its owners, officers, employees, and contractors from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Site, your breach of these Terms, or your violation of any law or third-party rights.
10) SMS/Text Messaging Terms (A2P/10DLC)
10.1 Program Description
If you opt in, Lending A Hand may send text messages to the mobile number you provide about: (a) appointment confirmations and reminders, (b) service-related updates, (c) requested information and follow-ups, and (d) promotional or marketing messages (if you separately consent where required).
10.2 Consent to Receive Messages
By providing your number and opting in (for example, by checking an SMS consent box, submitting a form that states you agree to texts, or replying with an affirmative keyword), you authorize Lending A Hand to send text messages using an automatic telephone dialing system and/or prerecorded messages where permitted by law. Consent is not a condition of purchase.
10.3 Message Frequency
Message frequency varies based on your interactions and appointments.
10.4 Costs
Message and data rates may apply. Check your mobile plan for details.
10.5 Opt-Out
You can opt out at any time by replying STOP to any message. After you opt out, you may receive one final confirmation message.
10.6 Help
Reply HELP for help, or contact us at (210) 313-0836.
10.7 Carrier Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.
10.8 Eligibility & Supported Carriers
Text messaging may not be available on all carriers or devices. You must have a text-capable device and an active wireless plan.
10.9 Prohibited Use
You agree not to use our messaging program to request or transmit unlawful content, sensitive personal information (unless specifically requested), or content that violates carrier rules.
11) Privacy
Our Privacy Policy explains how we collect, use, and share information. Please review it here: Privacy Policy.
12) Third-Party Links & Tools
The Site may link to third-party tools (e.g., scheduling, forms, analytics) or websites. We do not control them and are not responsible for their content or practices. Your use of third-party services is subject to their terms and privacy policies.
13) Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. Venue for disputes will be in Bexar County, Texas, unless applicable law requires otherwise.
14) Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the Effective Date at the top of this page. Continued use of the Site after changes means you accept the updated Terms.
15) Contact
Lending A Hand
10004 Wurzbach Rd, San Antonio, TX 78230
Phone: (210) 313-0836
Email: [email protected]
Tip: Replace [add your support email here] with your real inbox for compliance and customer support.
