Terms and Conditions

Last Updated: September 30, 2026

These Terms and Conditions (“Terms”) govern your access to and use of associationlendingservices.com (the “Website”) and any information, forms, calculators, applications, resources, communications, or other services made available through the Website (collectively, the “Services”).

The Website and Services are operated by Association Lending Services (“ALS,” “we,” “us,” or “our”).

By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Website or Services.

1. Our Services

Association Lending Services provides financing-related services for homeowners associations, condominium associations, community associations, and other eligible organizations.

Information presented on the Website is intended to help associations and their representatives learn about potential financing options and communicate with us regarding their financing needs.

Unless expressly stated in a separate written agreement, nothing on this Website constitutes a commitment to lend, an approval of credit, or a guarantee that financing will be available.

Loan approval, availability, interest rates, fees, repayment terms, collateral requirements, closing conditions, and other financing terms are subject to underwriting, credit approval, documentation, applicable law, and other requirements.

Submitting an inquiry, application, or other information through the Website does not guarantee approval for financing or any particular loan amount, interest rate, term, or other condition.

2. No Legal, Tax, Accounting, or Investment Advice

Information provided through the Website is for general informational purposes only.

Association Lending Services does not provide legal, tax, accounting, investment, or other professional advice through the Website. Information concerning association borrowing, assessments, reserves, repayment structures, governing documents, or other financial matters should not be considered a substitute for advice from qualified professionals familiar with your association and applicable law.

Community association boards should consult their attorneys, accountants, property managers, financial professionals, and other appropriate advisors before approving or entering into a financing transaction.

3. Authority to Use the Services

The Services are intended primarily for adults acting on behalf of homeowners associations, condominium associations, community associations, property management companies, and related organizations.

You must be at least 18 years old to use the Services.

If you submit information or use the Services on behalf of an association, company, or other organization, you represent that you have authority to act on behalf of that organization or are otherwise authorized to provide the information you submit.

4. Information You Provide

When using the Website or requesting financing information, you may be asked to provide information regarding yourself, your association, your community, a proposed project, or the association’s finances.

You agree to provide information that is accurate and complete to the best of your knowledge.

Information requested may include, without limitation:

Your name and contact information;
Association or management company information;
Property or community information;
Number of units;
Requested financing amount;
Purpose of the proposed financing;
Association budgets and financial statements;
Reserve information;
Delinquency or assessment information;
Governing documents;
Project information, proposals, or contracts; and
Other information reasonably necessary to evaluate a potential financing request.

You represent that you have the legal right and appropriate authorization to provide any documents or information you submit to us.

Our collection, use, storage, and disclosure of personal information are also governed by our Privacy Policy.

5. Loan Applications and Financing Requests

Submitting information through the Website does not constitute a completed loan application unless we expressly indicate otherwise.

A financing request may require additional documentation, verification, underwriting, approvals, signatures, and other conditions before a loan can be approved or funded.

Any preliminary discussion regarding potential rates, payments, loan amounts, amortization periods, repayment terms, or other financing characteristics is informational unless incorporated into an authorized written loan commitment or other binding agreement.

Financing programs, underwriting requirements, interest rates, fees, and other terms may change at any time.

We reserve the right, subject to applicable law, to decline to process or continue a financing request.

6. Calculators, Estimates, and Examples

Any loan calculators, payment estimates, financing examples, case studies, projections, or similar tools provided through the Website are for illustrative and informational purposes only.

Results may be based on simplified assumptions and may not account for fees, underwriting requirements, changes in interest rates, association-specific circumstances, or other factors affecting an actual financing transaction.

Calculator results and examples are not offers of credit, loan commitments, guarantees, or representations regarding the terms that may actually be available to your association.

Actual financing terms may differ materially from examples displayed on the Website.

7. Electronic Communications

When you submit a form, provide an email address or telephone number, or otherwise communicate with Association Lending Services electronically, you consent to receiving communications from us electronically concerning your inquiry or relationship with us.

These communications may include emails, telephone calls, electronic documents, and other communications reasonably related to your request.

Where required by law, marketing communications will be sent only with the appropriate consent. You may opt out of marketing emails using the unsubscribe instructions contained in those communications.

Your consent to receive marketing communications is not a condition of obtaining financing or using our Services unless expressly permitted by applicable law.

8. Accounts, Portals, and Security

If Association Lending Services provides access to an online account, document portal, application portal, or similar service, you are responsible for maintaining the confidentiality of your login credentials.

You are responsible for activity occurring through your account to the extent permitted by law.

You agree to notify us promptly if you believe your account credentials have been lost, stolen, compromised, or used without authorization.

We may modify, suspend, restrict, or discontinue any portal or online functionality at any time.

You should retain your own copies of important documents submitted through the Website or any associated portal.

9. Intellectual Property

Unless otherwise indicated, the Website and its contents, including text, graphics, photographs, logos, designs, calculators, software, downloads, articles, guides, and other materials, are owned by or licensed to Association Lending Services and are protected by applicable copyright, trademark, and other intellectual property laws.

You may access, download, or print Website materials for your own legitimate internal, informational, or association-related use.

You may not, without our prior written permission:

Reproduce or republish substantial portions of the Website;
Sell or commercially redistribute Website content;
Modify or create derivative works from protected Website materials;
Remove copyright, trademark, or proprietary notices;
Use our name, trademarks, or logos in a manner suggesting affiliation or endorsement; or
Use automated systems to systematically copy or extract Website content except as permitted by applicable law.

10. Acceptable Use

You agree not to use the Website or Services to:

Violate any applicable law or regulation;
Submit false, fraudulent, deceptive, or misleading information;
Impersonate another person or organization;
Attempt to gain unauthorized access to accounts, servers, systems, or information;
Interfere with the security or operation of the Website;
Introduce viruses, malicious code, or other harmful technology;
Use automated tools to overload, disrupt, or improperly extract information from the Website;
Attempt to circumvent Website security measures; or
Use information obtained through the Website for unlawful purposes.

We may restrict or terminate access to the Website when we reasonably believe these Terms have been violated.

11. Third-Party Websites and Services

The Website may contain links to websites or services operated by banks, financial institutions, vendors, service providers, government agencies, professional organizations, or other third parties.

Association Lending Services does not control third-party websites and is not responsible for their availability, security, accuracy, content, products, services, or privacy practices.

A link to a third-party website does not necessarily constitute an endorsement of that organization, its products, or its services.

Your interactions with third-party websites are governed by the terms and policies of those third parties.

12. Privacy

Your privacy is important to us.

Our collection and use of personal information through the Website are described in our Privacy Policy, which is incorporated into these Terms by reference.

By using the Services, you acknowledge that information you provide may be collected, processed, stored, and disclosed as described in the Privacy Policy and as otherwise permitted or required by applicable law.

13. Website Availability and Accuracy

We make reasonable efforts to provide useful and accurate information, but financing markets, interest rates, lending programs, laws, regulations, and underwriting requirements can change.

We do not guarantee that every statement, rate example, financing program, article, calculator, or other item appearing on the Website will always be complete, accurate, or current.

We may modify, correct, remove, or update Website content without notice.

We do not guarantee uninterrupted access to the Website or that the Website will always operate without errors, interruptions, security vulnerabilities, or technical problems.

14. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

ASSOCIATION LENDING SERVICES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE WEBSITE OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR FREE FROM HARMFUL COMPONENTS.

Nothing in this section excludes warranties or rights that cannot lawfully be excluded.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ASSOCIATION LENDING SERVICES AND ITS OWNERS, OFFICERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE OR RELIANCE ON WEBSITE CONTENT.

THIS INCLUDES, WITHOUT LIMITATION, LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES.

To the fullest extent permitted by law, our aggregate liability for claims arising solely from your use of the public Website will not exceed one hundred dollars ($100).

This limitation does not apply to liability that cannot legally be limited or excluded and does not modify obligations contained in a separate written loan agreement, engagement agreement, commitment, or other contract between you and Association Lending Services.

16. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Association Lending Services and its owners, officers, employees, agents, contractors, and representatives from claims, liabilities, damages, losses, and reasonable expenses arising from:

Your unlawful use of the Website or Services;
Your material violation of these Terms;
Information or materials you submit without appropriate authorization; or
Your infringement of another person’s or organization’s rights.

17. Separate Financing Agreements Control

These Terms govern use of the Website and Services.

Any actual loan, financing transaction, advisory relationship, brokerage relationship, or other engagement may be governed by separate agreements.

If a provision of these Website Terms conflicts with a duly executed loan agreement, commitment letter, engagement agreement, or other binding agreement applicable to a transaction, the applicable transaction-specific agreement will control with respect to that transaction.

18. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except to the extent federal law applies.

Subject to any dispute-resolution provision contained in a separate agreement, any legal action arising solely from these Terms or use of the Website shall be brought in a court of competent jurisdiction in Palm Beach County, Florida, unless applicable law requires otherwise.

Nothing in these Terms modifies any rights or remedies that cannot be waived under applicable law.

19. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.

20. No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it later.

21. Changes to These Terms

We may revise these Terms periodically to reflect changes to our Website, Services, business practices, or legal requirements.

When we make changes, we will update the “Last Updated” date at the top of this page.

Your continued use of the Website after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

22. Contact Us

If you have questions regarding these Terms and Conditions, please contact:

Association Lending Services
980 N. Federal Hwy
Boca Raton, FL 33432
United States

Website: associationlendingservices.com