Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website and services provided by Sinai Capital, LLC ("Sinai Capital," "we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

1. About Our Services

Sinai Capital, LLC is a commercial loan brokerage. We connect borrowers with third-party lenders who originate and fund loans. We do not make loans, extend credit, or make credit decisions. All loan approvals, rates, terms, and conditions are determined solely by the originating lender.

2. Eligibility

Our services are intended for use by individuals who are at least 18 years of age and are seeking financing for investment, commercial, or business purposes. We do not provide consumer mortgage loans for primary residences. By using our services, you represent that you meet these eligibility requirements.

3. No Guarantee of Loan Approval

Submitting an inquiry through our website does not guarantee loan approval or specific rates and terms. Loan availability, approval, and terms are subject to the underwriting criteria of our third-party lender partners and may vary based on your financial profile, the property, market conditions, and other factors.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting any form or inquiry on our website. Providing false or misleading information may result in denial of services and may violate applicable laws.

5. No Credit Pull Without Consent

Submitting an inquiry on our website does not authorize a credit pull. A credit report will only be obtained after you have spoken with a Sinai Capital loan specialist and have provided explicit written or verbal authorization in connection with a specific loan application.

6. Broker Compensation

Sinai Capital is compensated by the originating lender when a loan closes. Our broker fee is built into the loan terms and is fully disclosed to you before you commit to any loan. There is no upfront cost to you for using our services.

7. Rate Guarantee

Our "rate beat" guarantee applies to comparable loan products with matching terms, property type, and borrower profile. To qualify, you must provide a valid loan estimate or term sheet from a competing lender. Sinai Capital reserves the right to verify competing offers and to determine whether a match is comparable in its sole discretion.

8. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Sinai Capital, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

9. Prohibited Conduct

You agree not to:

• Use our website for any unlawful purpose
• Submit false, fraudulent, or misleading information
• Interfere with or disrupt the operation of our website
• Attempt to gain unauthorized access to our systems or data
• Scrape, crawl, or use automated tools to extract data from our website
• Impersonate any person or entity

10. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will be uninterrupted, error-free, or secure.

11. Limitation of Liability

To the fullest extent permitted by law, Sinai Capital, LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to loss of profits, data, or business opportunities, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless Sinai Capital, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of our website, your violation of these Terms, or your violation of any rights of another party.

13. Third-Party Links

Our website may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites. Your use of third-party sites is at your own risk.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Miami-Dade County, Florida.

15. Changes to These Terms

We may modify these Terms at any time by posting updated Terms on this page. Changes take effect immediately upon posting. Your continued use of our website after changes are posted constitutes acceptance of the updated Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

17. Contact Us

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

Sinai Capital, LLC
101 Crawfords Corner Rd, Holmdel, NJ 07733
Email: info@sinaicapital.io
Phone: (732) 754-2144