These Terms of Use (“Terms”) govern your access to and use of www.usrecorp.com and other webpages that link to these Terms (collectively, the “Website”). The Website is operated by United States Real Estate Corporation (“USREC,” “we,” “us,” or “our”).
By accessing or using the Website, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, please do not use the Website.
1. Purpose and Intended Audience of the Website
The Website provides general information about USREC, a certified Community Development Financial Institution, its real estate lending activities, community-development mission, impact, institutional capital needs, selected financing case studies, and related business matters.
The Website is intended principally for banks, financial institutions, foundations, government agencies, grantmaking organizations, and other prospective institutional or business partners. The Website is not intended to solicit investments from the general public or to offer consumer financial products or services through the Website.
2. Informational Purposes; No Professional Advice
Website content is provided for general informational and business-development purposes only. Nothing on the Website constitutes legal, tax, accounting, financial, investment, securities, Community Reinvestment Act, regulatory, compliance, real estate, engineering, or other professional advice. No person or institution should rely solely on Website content in making a financing, grantmaking, regulatory, investment, credit, compliance, or other decision. You should consult appropriately qualified advisers and conduct your own review before making any decision based on Website content.
3. Institutional Inquiries; No Public Offering or Binding Commitment
The Website may invite banks, financial institutions, foundations, government agencies, grantmaking organizations, and other institutional parties to contact USREC regarding potential CRA-motivated capital, grants, deposits, loans, credit facilities, equity-equivalent investments, loan purchases or participations, guarantees, credit enhancements, technical assistance, partnerships, and other forms of institutional or programmatic support.
These invitations are for preliminary informational and business-development purposes only. Nothing on the Website constitutes a public offering of securities, a solicitation of an investment from the general public, a binding offer, a financing commitment, a grant award, a commitment letter, a definitive term sheet, a promise to enter into a transaction, or a guarantee of any result. USREC may accept, reject, discontinue, or decline to pursue any inquiry or discussion at any time, subject to applicable law and any binding written agreement.
Any potential relationship, financing arrangement, grant, investment, or other transaction will be subject to separate eligibility determinations, diligence, underwriting, approvals, regulatory requirements, and definitive written agreements. Definitive written materials and signed agreements will control over any inconsistent Website content.
USREC does not represent or guarantee that any activity involving USREC will receive Community Reinvestment Act consideration or satisfy any particular institution’s regulatory, investment, credit, grantmaking, mission, underwriting, or compliance requirements. Each institution is responsible for making its own determinations in consultation with its advisers and applicable regulators. Past performance, historical activity, financing case studies, community-impact information, or examples are not guarantees of future performance, impact, repayment, regulatory treatment, or other results.
4. Website Information, Statistics, and Forward-Looking Statements
USREC makes reasonable efforts to provide useful and current information, but Website content may be preliminary, incomplete, estimated, unaudited, based on internal records or assumptions, become outdated, or contain errors. Statistics, transaction data, lending experience, capital deployed, loan counts, financing case studies, community-impact information, and other information are provided as of the date indicated, where applicable, and may be revised or change over time. Website content is not a substitute for formal diligence materials, financial statements, written disclosures, or definitive agreements.
The Website may include statements concerning expectations, plans, objectives, strategies, future activities, projects, financing, impact, or business prospects. These forward-looking statements are based on current expectations and assumptions and are inherently subject to risks, uncertainties, and changes in circumstances. Actual results or events may differ materially. USREC undertakes no obligation to update forward-looking statements except as required by applicable law.
5. Communications Through the Website
If you contact USREC through the Website or by email, you remain responsible for the content of your communications. Communications must not violate applicable law, infringe the rights of others, contain malicious code, include false or misleading information, or contain information you do not have the right or authority to disclose.
Ordinary Website forms and email are not intended to receive trade secrets, account credentials, wire instructions, financial-account information, government identification documents, confidential diligence materials, or other highly sensitive or confidential information. Unless USREC expressly agrees otherwise in a signed writing, USREC does not undertake a duty of confidentiality with respect to unsolicited submissions. Submission of an inquiry does not create a confidential, fiduciary, advisory, investment, contractual, financing, grantmaking, agency, partnership, or other relationship with USREC and does not obligate USREC to respond or pursue a transaction.
6. Permitted Use
You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to:
- Use the Website in violation of applicable law, regulation, sanction, or third-party right
- Attempt to gain unauthorized access to the Website, its servers, accounts, data, or related systems
- Interfere with the operation, integrity, availability, performance, or security of the Website
- Introduce viruses, malicious code, automated attacks, or other harmful technologies
- Use bots, scrapers, crawlers, data-mining tools, or other automated means to access, extract, reproduce, index, or compile substantial portions of the Website, except for standard search-engine indexing conducted in accordance with applicable law and USREC’s technical instructions
- Use Website content to develop, train, test, or improve an artificial-intelligence or machine-learning model without USREC’s prior written permission
- Impersonate USREC or another person or entity, misrepresent your identity or authority, or falsely imply endorsement, sponsorship, or affiliation
- Submit false, fraudulent, unlawful, misleading, infringing, or unauthorized information
- Use Website content or USREC’s name, trademarks, or materials for fraudulent, unlawful, misleading, defamatory, competitive, or infringing purposes
USREC may monitor use of the Website and restrict, suspend, or terminate access if it reasonably believes these Terms, applicable law, security requirements, or the rights of USREC or others have been violated.
7. Intellectual Property
Unless otherwise indicated, the Website and its contents, including text, names, logos, branding, graphics, photographs, images, videos, design elements, layouts, software, documents, data, trademarks, and service marks, are owned by or licensed to USREC and are protected by applicable intellectual-property laws. No right, title, or interest in the Website or its content is transferred to you, and no license to use USREC’s name, trademarks, or branding is granted except as expressly stated in these Terms.
Subject to these Terms, you may view and use Website content for lawful personal or internal business purposes. Except as permitted by applicable law or with USREC’s prior written permission, you may not reproduce, modify, distribute, publish, republish, sell, license, create derivative works from, publicly display, frame, mirror, remove ownership notices from, or commercially exploit Website content.
8. Third-Party Websites and Services
The Website may contain links to, or integrations with, third-party websites, platforms, or services. These links and integrations are provided for convenience or informational purposes only. USREC does not control and is not responsible for the content, availability, accuracy, security, privacy practices, products, services, or policies of third parties. A link or integration does not constitute an endorsement, recommendation, sponsorship, or affiliation unless expressly stated otherwise. Your dealings with third parties are solely between you and the applicable third party.
9. Website Availability and Accuracy
USREC may modify, remove, suspend, restrict, or discontinue any part of the Website or its content at any time, with or without notice. We do not guarantee that the Website will always be available, uninterrupted, timely, error-free, secure, or free from harmful components, or that Website content will always be complete, accurate, reliable, or current. USREC is not responsible for delays, failures, or losses caused by communications networks, third-party providers, equipment, software, unauthorized access, events beyond its reasonable control, or other causes.
10. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS. USREC DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, CONDITIONS, AND GUARANTEES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY, SECURITY, RESULTS, QUIET ENJOYMENT, AND FREEDOM FROM HARMFUL COMPONENTS.
Some jurisdictions do not permit certain warranty exclusions, so some of these exclusions may not apply to you. Any warranties that cannot be excluded are limited to the shortest period and narrowest scope permitted by applicable law.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USREC AND ITS AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, REPRESENTATIVES, ADVISERS, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE “USREC PARTIES”) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, MULTIPLE, OR PUNITIVE DAMAGES; LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, OR OPPORTUNITY; COST OF SUBSTITUTE SERVICES; OR OTHER SIMILAR LOSSES ARISING OUT OF OR RELATING TO THE WEBSITE, WEBSITE CONTENT, THESE TERMS, OR YOUR ACCESS TO, USE OF, RELIANCE ON, OR INABILITY TO ACCESS OR USE THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE USREC PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE WEBSITE, WEBSITE CONTENT, OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100) OR (B) THE AMOUNT, IF ANY, YOU PAID DIRECTLY TO USREC SOLELY FOR ACCESS TO THE WEBSITE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
These limitations apply regardless of the form or theory of liability, whether in contract, tort, negligence, strict liability, statute, or otherwise, and to damages arising from reliance on Website information, errors or omissions, business or investment decisions, third-party websites or services, communications, malicious code, unauthorized access, or loss of information. Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited. Some jurisdictions do not permit certain limitations, so some limitations may not apply to you.
12. Indemnification
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the USREC Parties from and against claims, demands, actions, proceedings, liabilities, damages, judgments, losses, penalties, fines, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to your unlawful or unauthorized use of the Website, your violation of these Terms, information or materials you submit, your infringement or violation of another person’s rights, or your fraud, willful misconduct, or negligence. USREC may assume control of the defense of a matter subject to indemnification, and you agree to cooperate reasonably with that defense. You may not settle a matter in a way that imposes liability, obligations, or admissions on a USREC Party without USREC’s prior written consent.
13. Privacy
Our collection, use, disclosure, retention, and protection of personal information in connection with the Website are described in our Privacy Policy. By using the Website, you acknowledge that you have reviewed the Privacy Policy.
14. Governing Law and Forum
Subject to applicable mandatory law and any governing provision in a definitive written agreement, these Terms and your use of the Website will be governed by the laws of the State of California, without regard to conflict-of-law principles. Any action arising out of or relating to the Website or these Terms must be brought exclusively in the state courts located in Los Angeles County, California, or the United States District Court for the Central District of California, and each party consents to the personal jurisdiction and venue of those courts. Nothing in this section prevents USREC from seeking temporary, preliminary, or other equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, systems, or security.
15. Changes to These Terms
We may update these Terms from time to time. When changes are made, we will update the Effective Date above and provide any additional notice required by applicable law. Revised Terms apply prospectively from their effective date. Your continued use of the Website after revised Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.
16. General Provisions
If any provision of these Terms is held invalid, illegal, or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in effect. USREC’s failure to enforce a provision is not a waiver. No waiver is effective unless in writing and signed by USREC. You may not assign or transfer these Terms or any right under them without USREC’s prior written consent; USREC may assign these Terms in connection with its business or a corporate transaction. These Terms do not create third-party-beneficiary rights. Section headings are for convenience only.
These Terms constitute the entire agreement between you and USREC concerning access to and use of the Website and supersede prior or contemporaneous understandings concerning that subject. Any confidentiality agreement, financing document, grant term, participation agreement, commitment, or other definitive written agreement governing a particular relationship or transaction is separate and will control to the extent of any conflict with these Terms.
17. Contact Us
If you have questions about these Terms or the Website, please contact:
United States Real Estate Corporation
Los Angeles, California
Email: [email protected]
Phone: (818) 851-9725