These Terms of Use govern your access to and use of truenmichaels.com (the “Website”), operated by Truen & Michaels Associates (“Truen & Michaels,” “we,” “us”). By using the Website or submitting information through it, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Website.
Business-Purpose Financing Only
Truen & Michaels provides commercial real estate financing, including bridge loans and opportunistic capital, for business and investment purposes only. We do not make loans for personal, family, or household purposes. The Website is intended for property owners, sponsors, investors, brokers, and business entities in the United States.
No Offer or Commitment to Lend
Nothing on the Website is an offer, commitment, or guarantee to lend, or a promise of any rate, term, leverage, fee, or closing timeline. Submitting an inquiry does not create a lending relationship or obligate either party. All loans are subject to underwriting, appraisal, due diligence, collateral review, credit approval, final documentation, and applicable law. Program terms may change without notice, and not all programs are available in every state. Any commitment to lend will only be made in a separate signed written agreement, which will control over anything on the Website.
Not Investment, Legal, or Tax Advice
Content on the Website, including deal announcements, program descriptions, market commentary, and newsletters, is for general information only. It is not investment, financial, legal, tax, or accounting advice, and it is not an offer to sell or a solicitation to buy any security or investment. Please consult your own advisors before making any financial decision.
Accuracy of Information
We work to keep the Website accurate and current, but its content is provided “as is” and may contain errors or become outdated. Featured transactions are shown for illustration; past transactions do not indicate future results, and the terms you receive may differ. We may change or remove content at any time without notice.
Information You Submit
You agree that information you submit is accurate, complete, and yours to share, and that you are authorized to act for any business or property you describe. Please do not submit sensitive personal information, such as Social Security or bank account numbers, through web forms. By submitting a form, you agree that we may contact you by phone, email, or text about your request, as described in our Privacy Policy.
Acceptable Use
You agree not to:
- Use the Website for any unlawful, fraudulent, or misleading purpose
- Submit false information or impersonate any person or business
- Attempt to gain unauthorized access to the Website, its systems, or restricted areas
- Use bots, scrapers, or automated tools to collect content or submit forms
- Interfere with the Website’s operation or security, or introduce malicious code
Intellectual Property
The Website and its content, including text, graphics, logos, photographs, and design, are owned by or licensed to Truen & Michaels and protected by copyright, trademark, and other laws. You may view and print pages for your own personal, non-commercial use. You may not copy, modify, republish, or distribute Website content without our prior written permission. “Truen & Michaels” and our logo are our marks and may not be used without permission.
Third-Party Links and Services
The Website may link to or rely on third-party websites and services. We do not control and are not responsible for their content, availability, or practices, and a link is not an endorsement.
Disclaimer of Warranties
To the fullest extent permitted by law, the Website is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses.
Limitation of Liability
To the fullest extent permitted by law, Truen & Michaels and its principals, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, lost opportunities, or lost data, arising from your use of or reliance on the Website, even if advised of the possibility. Our total liability for any claim related to the Website will not exceed one hundred dollars ($100).
Indemnification
You agree to indemnify and hold harmless Truen & Michaels and its principals, employees, and affiliates from any claims, losses, and expenses, including reasonable attorneys’ fees, arising from your misuse of the Website, information you submit, or your violation of these Terms.
Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules. Any dispute relating to the Website will be brought exclusively in the state or federal courts located in New York County, New York, and you consent to their jurisdiction.
Changes and General Terms
We may update these Terms at any time; the “Last updated” date above shows the latest version, and continued use of the Website means you accept the changes. If any provision is found unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. These Terms and our Privacy Policy are the entire agreement between you and us about use of the Website; any loan or financing will be governed by its own separate written agreements.
Contact Us
Questions about these Terms can be sent to:
Truen & Michaels Associates
Email: john@truenmichaels.com
Phone: 917-560-0098
See also our Privacy Policy or Request Financing.