Effective 11/1/2025

These Terms and Conditions of Use ("Terms") govern your access to and use of the Power Banc Lending website, forms, services, and any communications, including SMS/text messages, provided by Power Banc Lending, a division of PowerBridge Capital, Inc. ("Power Banc Lending," "we," "us," or "our").

By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our services.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and Power Banc Lending. These Terms apply to all users of the site and services, including, without limitation, users who are browsers, customers, or those submitting information.

2. Loan Inquiry Disclaimer

• Not a Loan Offer: The information provided on our website or through our forms, communications, or consultations is for informational purposes only and does not constitute a commitment to lend, a loan offer, or a guarantee of qualification for any loan product.
• Qualification: Any pre-qualification or initial estimate is subject to verification of all information, credit approval, property appraisal, and meeting all specific program guidelines of the lender.
• Accuracy of Information: By submitting a loan inquiry or application, you represent and warrant that all information you provide is true, accurate, current, and complete. You understand that Power Banc Lending is relying on this information to process your inquiry.

3. SMS/Text Messaging Communication

By providing your mobile phone number to Power Banc Lending via any web form, application, or verbal consent, you agree to these SMS Terms:

• Consent to Receive Texts: You consent to receive informational and marketing text messages (SMS/MMS) from us and our third-party service providers regarding your loan inquiry, status updates, appointment reminders, and related products/services.
• Autodialed Messages: You understand that these messages may be sent using an automatic telephone dialing system. Your consent is not required as a condition of purchasing any property, goods, or services.
• Cost and Frequency: Message and data rates may apply. Message frequency will vary based on your activity and status.
• Opt-Out: You can opt-out of receiving text messages at any time by replying STOP to any text message you receive. You will receive one final text message confirming your opt-out. For help, reply HELP or call us at 1-888-900-2142.
• Responsibility: You warrant that you are the owner or authorized user of the mobile number provided and are authorized to consent to receive text messages at that number.

4. Website and Service Use

• License: Power Banc Lending grants you a limited, non-exclusive, non-transferable, revocable license to use the website for personal, non-commercial purposes consistent with these Terms.
• Prohibited Conduct: You agree not to use the services for any unlawful purpose, to harass others, to transmit viruses, or to collect or store personal data about other users without their express consent.
• Intellectual Property: All content on the website (text, graphics, logos, images, etc.) is the property of PowerBridge Capital, Inc., and protected by copyright and intellectual property laws.

5. Limitation of Liability and Disclaimer of Warranties

• No Warranty: The website and services are provided on an "as is" and "as available" basis. Power Banc Lending expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Limitation of Liability: Power Banc Lending, including its officers, directors, employees, and affiliates, shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, data, or other intangible losses resulting from the use or inability to use the service.

6. 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 provisions.

7. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. The most current version of the Terms will supersede all previous versions. Your continued use of the services after any changes constitutes acceptance of the new Terms.

8. Contact Information

Questions about these Terms and Conditions should be sent to us at:

Email: info@powerbanclending.com
Phone: 1-888-900-2142
Mailing Address: 556 S Fair Oaks, #608 Pasadena CA 91105