Terms of Service

Agreement to Terms

By accessing or using the Joseph Capital Network website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

About Our Services

Joseph Capital Network, a division of Lightening Consulting Inc., provides financing consultation and brokerage services for real estate investors. We connect borrowers with financing solutions and facilitate the financing process.

Important Disclaimers

We are not a direct lender. We are a financing consultant and broker.
Financing approval is subject to lender requirements and not guaranteed.
Terms, rates, and availability are subject to change without notice.
Past performance does not guarantee future results.

User Responsibilities

When using our services, you agree to:

Provide accurate and complete information
Not submit false or misleading applications
Use our services only for lawful purposes
Not interfere with the proper functioning of our website
Maintain the confidentiality of any account credentials

Application Process

By submitting a financing application:

You authorize us to share your information with our financing partners
You consent to be contacted regarding your application
You understand that submission does not guarantee approval
You agree that we may verify the information provided

Telephone Communications Consent (TCPA)

By providing your phone number and checking the TCPA consent box on our application form, you expressly consent to:

Receive calls and text messages from Joseph Capital Network, Lightening Consulting Inc., and their affiliates
Calls and messages made using automatic telephone dialing systems (auto-dialers)
Pre-recorded or artificial voice messages
Marketing and informational communications regarding financing products and services

Important Information About Your Consent:

Consent is not required as a condition of purchasing any goods or services
Message frequency varies; message and data rates may apply
You may opt out of text messages at any time by replying STOP to any message
You may opt out of calls by informing our representative or calling (855) 777-1069
For help, reply HELP to any text message or call (855) 777-1069
Your consent applies to the phone number(s) you provide on your application

By providing your phone number and consent, you understand that you may receive communications even if your number is registered on any state or federal Do Not Call list.

No Guarantee of Financing

We do not guarantee that you will receive financing or any specific terms. Financing decisions are made by our financing partners based on their underwriting criteria. We are not responsible for any financing partner's decision to approve or deny your application.

Fees and Compensation

Joseph Capital Network may receive compensation from financing partners for successful transactions. Any fees or costs associated with your financing will be disclosed before closing.

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Joseph Capital Network or its licensors and is protected by intellectual property laws. You may not use, reproduce, or distribute any content without our written permission.

Limitation of Liability

To the maximum extent permitted by law:

Our services are provided "as is" without warranties of any kind
We are not liable for any indirect, incidental, or consequential damages
Our total liability shall not exceed the fees paid to us, if any
We are not responsible for actions of third-party lenders

Indemnification

You agree to indemnify and hold harmless Joseph Capital Network, Lightening Consulting Inc., and their officers, directors, employees, and agents from any claims, losses, or damages arising from your use of our services or violation of these terms.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these external sites. Your use of third-party websites is at your own risk.

Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in effect.

Contact Information

For questions about these Terms of Service, please contact us:

Phone: (855) 777-1069
Email: info@josephcapitalnetwork.com