Terms & Conditions

SECTION 1 - GENERAL TERMS

By using or accessing the Site, you hereby agree:

• That you have received, read and understood these Terms and Conditions, and that these Terms and Conditions create a valid and binding agreement, enforceable against you in accordance with the terms hereof;
• To be bound by these Terms and Conditions, any terms, conditions or other rules, regulations or policies of Global Fox Financial as each may be amended or supplemented from time to time in our sole discretion;
• That your use of the Site shall comply with all applicable federal, state and local laws, rules or regulations, and that you are solely responsible for your compliance with, familiarity with and understanding of any such laws, rules or regulations applicable to your use of the Site.

SECTION 2 - LENDING SERVICES

Global Fox Financial specializes in private money lending for residential home purchases and commercial real estate financing. All loan applications and approvals are subject to our underwriting criteria and regulatory requirements.

• Loan terms, interest rates, and fees are determined on a case-by-case basis;
• All loan applications must be submitted with accurate and complete information;
• Approval is not guaranteed and is subject to property evaluation and borrower qualifications;
• All loans are subject to applicable state and federal lending regulations.

SECTION 3 - PROHIBITED CONDUCT

Without limiting the generality of the foregoing, you acknowledge and agree not to:

• Access the Site using any automated means, including harvesting bots, robots, spiders, or scrapers;
• Upload, use or disseminate viruses or other malicious code;
• Solicit login, account or other personal information of another person;
• Use the Site in any manner that is unlawful, fraudulent, misleading, malicious or discriminatory;
• Submit false or fraudulent loan applications or information;
• Use patented, copyrighted, trademarked or other protected intellectual property without authorization.

SECTION 4 - INTELLECTUAL PROPERTY RIGHTS

The Company is the sole owner and lawful licensee of all rights to the website and its contents. The content includes its design, layout, text, images, graphics, sounds, video, etc. All titles, ownership and intellectual property rights in the website and its content shall remain with the Company, its affiliates, or licensors.

SECTION 5 - NOT PROFESSIONAL ADVICE

The information contained on this website is not intended as, and shall not be understood or construed as, professional financial or legal advice. While Global Fox Financial provides lending services, the information on this website is not a substitute for advice from qualified professionals who are aware of your individual situation. We expressly recommend that you seek advice from qualified financial, legal, and tax professionals regarding your specific circumstances.

SECTION 6 - NO GUARANTEES

Global Fox Financial has not made any guarantees about loan approval, interest rates, or loan terms. Each application is evaluated individually based on multiple factors including but not limited to property value, borrower qualifications, and market conditions. Prior loan approvals for other borrowers do not guarantee approval for your application.

SECTION 7 - PRIVACY AND DATA PROTECTION

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using this Site, you consent to the collection and use of information as described in our Privacy Policy.

SECTION 8 - GOVERNING LAW AND JURISDICTION

These Terms and Conditions will be governed by and construed in accordance with the laws of the State of Texas and the United States of America. The courts of Texas will have jurisdiction to adjudicate any dispute arising under or in relation to these Terms and Conditions.

SECTION 9 - INDEMNIFICATION

By using the Site, you agree to indemnify and hold harmless Global Fox Financial, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the Site or violation of these Terms and Conditions.

SECTION 10 - DISCLAIMER OF WARRANTIES

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

Global Fox Financial does not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

SECTION 11 - LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, GLOBAL FOX FINANCIAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

SECTION 12 - MODIFICATIONS TO TERMS

Global Fox Financial reserves the right to modify or replace these Terms and Conditions at any time. We will provide notice of any material changes by posting the new Terms and Conditions on this page with an updated "Last Updated" date. Your continued use of the Site after such modifications constitutes acceptance of the updated Terms and Conditions.

SECTION 13 - CONTACT INFORMATION

If you have any questions about these Terms and Conditions, please contact us at:

SECTION 14 - AI-POWERED SERVICES AND CHATBOT

Global Fox Financial offers an AI-powered chatbot assistant ("Fox AI") to provide general information about our lending services. By using Fox AI, you acknowledge and agree to the following:

• AI Nature: Fox AI is powered by artificial intelligence and provides automated responses based on programmed information about our services;
• Not Financial Advice: Fox AI responses are for general informational purposes only and do NOT constitute professional financial, legal, or lending advice. AI-provided information should not be relied upon as a substitute for consultation with Rey Hernandez or qualified financial professionals;
• No Loan Commitment: Information provided by Fox AI does not constitute a loan offer, approval, or commitment. All loan applications are subject to individual underwriting review and approval;
• Accuracy Limitations: While we strive for accuracy, AI responses may contain errors or outdated information. Always verify critical information by contacting Rey Hernandez directly at +1 956-217-0391;
• Conversation Recording: Fox AI conversations may be monitored, recorded, and analyzed for quality assurance, service improvement, and regulatory compliance purposes;
• Human Escalation: For personalized loan advice, specific property evaluations, or formal loan applications, you should contact Rey Hernandez directly rather than relying solely on AI responses;
• Regulatory Compliance: Fox AI is designed to comply with applicable lending regulations, but automated responses should not be considered as regulatory guidance or compliance advice;
• Service Availability: Fox AI service may be temporarily unavailable due to maintenance, technical issues, or other reasons without prior notice.

IMPORTANT: Fox AI is a convenience tool for preliminary information only. All lending decisions, terms, rates, and approvals are determined exclusively by human review and underwriting at Global Fox Financial.