1st Private Capital
Legal

Terms of Use

Last updated: August 3, 2026

Acceptance of These Terms

This website is operated by 1st Private Capital, Inc. ("1PC," "we," "us," "our") and is provided for general informational purposes. By accessing or using this site, you agree to these Terms of Use. If you do not agree, please do not use the site.

If you use this site on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" refers to both you and that entity.

Informational Purpose Only

Content on this site describes lending programs offered by 1st Private Capital, Inc. for business purposes only and secured by real estate. Eligibility is determined by the use of loan proceeds, underwriting, documentation, and applicable law. Program details are subject to change without notice.

Nothing on this site is legal, tax, accounting, investment, or financial advice. You should consult your own advisors before entering into any transaction.

No Commitment to Lend

Nothing on this site is a commitment to lend; all loans are subject to underwriting and documentation.

Submitting information through this site does not create a lending relationship, an application, or an obligation of any kind on the part of 1st Private Capital, Inc. No term sheet, quote, indication, or communication generated through this site is binding unless it is set out in a written agreement signed by an authorized officer of 1st Private Capital, Inc.

Calculators and Tools

The calculators and tools on this site are planning aids. They run entirely in your browser, they use the assumptions and figures you enter, and their outputs are illustrative only. They are not underwriting criteria, not an appraisal, not a valuation, and not an offer of terms. Actual terms are determined solely through underwriting. Do not rely on any tool output as a substitute for professional advice or your own diligence.

Your Submissions

When you submit information through this site, you represent that the information is accurate and complete to the best of your knowledge, and that you have the right to provide it, including any information about third parties. You agree not to submit information that is false, misleading, unlawful, or that infringes the rights of others.

Do not transmit Social Security numbers, full account numbers, or other government identification numbers through general contact or inquiry forms.

Acceptable Use

You agree not to:

  • Use the site for any unlawful purpose or in violation of these terms.
  • Attempt to gain unauthorized access to any portion of the site, the client portal, any account, or any related system or network.
  • Probe, scan, or test the vulnerability of the site, or breach or circumvent any security or authentication measure.
  • Use any robot, scraper, or automated means to access, harvest, or copy content, other than standard search engine indexing consistent with our robots file.
  • Interfere with the operation of the site, including by introducing malware or imposing an unreasonable load on our infrastructure.
  • Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
  • Reverse engineer, decompile, or disassemble any part of the site except to the extent that restriction is prohibited by law.

Client Portal Accounts

Access to the client portal is granted by 1st Private Capital, Inc. and may be modified, suspended, or revoked at any time. You are responsible for maintaining the confidentiality of your sign-in credentials and for all activity that occurs under your account. Do not share credentials or sign-in links. Notify us immediately if you believe your account has been accessed without authorization.

Information visible in the portal is confidential, is provided for the purpose of the transaction to which it relates, and may not be redistributed, republished, or used for any other purpose.

Intellectual Property

The site and its contents, including text, graphics, photographs, illustrations, page design and layout, user interfaces, calculators, source code, and their selection and arrangement, are owned by 1st Private Capital, Inc. or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

"1st Private Capital," "1PC," the 1PC mark, and "Bridge Funding. No Friction." are marks of 1st Private Capital, Inc. Other names and marks appearing on the site are the property of their respective owners and are used for identification only; their use does not imply endorsement or affiliation.

Subject to your compliance with these terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and view the site for your own internal business or personal informational use, and to print or download individual pages for that purpose. All other rights are reserved. You may not copy, reproduce, republish, distribute, publicly display, modify, create derivative works from, sell, or exploit any part of the site without our prior written permission.

If you send us feedback, ideas, or suggestions about the site, you grant us an unrestricted, royalty-free, perpetual right to use them without obligation to you.

Third-Party Links and Services

This site links to third-party websites and services we do not control. We provide those links for convenience only. We do not endorse and are not responsible for the content, accuracy, availability, security, or practices of any third-party site or service, and your use of them is governed by their terms, not ours.

Disclaimer of Warranties

The site and all content, tools, and materials on it are provided "as is" and "as available," without warranty of any kind. To the fullest extent permitted by law, 1st Private Capital, Inc. disclaims all warranties, express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement.

Without limiting the foregoing, we do not warrant that the site will be uninterrupted, timely, secure, or error-free, that defects will be corrected, that the site is free of harmful components, or that any content, calculator output, or other information obtained through the site is accurate, complete, current, or reliable. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

Limitation of Liability

To the fullest extent permitted by law, 1st Private Capital, Inc. and its officers, directors, employees, members, agents, affiliates, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, data, goodwill, or anticipated savings, arising out of or relating to your access to or use of, or inability to use, this site, regardless of the theory of liability and even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to this site and these terms will not exceed one hundred United States dollars ($100).

These limitations apply to your use of this website. They do not limit or modify the rights and obligations set out in any signed loan agreement or other written contract between you and 1st Private Capital, Inc., which is governed by its own terms. Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.

Indemnification

You agree to indemnify and hold harmless 1st Private Capital, Inc. and its officers, directors, employees, members, agents, and affiliates from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or relating to your use of the site, your submissions, or your breach of these terms or of any applicable law.

Governing Law and Venue

These Terms of Use and any dispute arising out of or relating to them or to this site are governed by the laws of the State of California, without regard to its conflict of laws principles. You agree that the exclusive venue for any such dispute is the state and federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts and waive any objection based on inconvenient forum.

Changes to the Site and These Terms

We may modify, suspend, or discontinue any part of the site at any time without notice. We may also revise these terms from time to time. The date above reflects the most recent revision, and changes take effect when posted. Your continued use of the site after an update constitutes acceptance of the revised terms.

Privacy

Our handling of information collected through this site is described in our Privacy Policy, which is incorporated into these terms by reference.

General

If any provision of these terms is held unenforceable, that provision will be limited or severed to the minimum extent necessary and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver of it. You may not assign these terms without our prior written consent; we may assign them freely. These terms, together with the Privacy Policy and any notices posted on the site, are the entire agreement between you and us regarding your use of this site.

Contact

Questions about these terms can be directed to:

You can also reach us through the contact page.