Terms and Conditions

Last Updated: September 2, 2026

These Terms and Conditions ("Terms") govern your use of https://www.propertyfliploan.com/ and related services provided by Forty Two Holdings, LLC, doing business as Property Flip Loan ("Property Flip Loan," "we," "us," or "our"). By using the website or submitting information through it, you agree to these Terms. If you do not agree, do not use the website.

1. Website Purpose

The website provides general information about Property Flip Loan and allows prospective borrowers and other users to request information concerning business-purpose real estate financing. Website content is for general informational purposes and is not legal, tax, investment, or financial advice.

2. No Commitment to Lend

Submitting an inquiry or application does not create a loan agreement, approval, commitment, or obligation to lend. Financing is subject to our review, underwriting, verification, documentation, property and borrower eligibility, availability of funds, and final written approval. Rates, fees, terms, programs, and eligibility requirements may change without notice until set forth in a binding written agreement signed by the applicable parties.

Only a final written loan agreement or commitment executed by an authorized representative of Property Flip Loan may create a binding lending obligation. Website estimates, preliminary quotes, discussions, text messages, emails, and other informal communications are not binding loan commitments.

3. Your Information and Responsibilities

You agree to provide information that is accurate, current, and complete. You authorize us to contact you about your inquiry and, when applicable and separately authorized, to take reasonable steps to evaluate or administer a requested transaction. You are responsible for reviewing final loan and closing documents and obtaining your own legal, tax, insurance, and financial advice.

You may not impersonate another person, submit information without authorization, use the website for unlawful or fraudulent purposes, interfere with the website's operation, introduce malicious code, attempt unauthorized access, or copy or exploit website content in violation of applicable law.

4. Electronic Communications

When you contact us electronically, submit a website form, or provide an email address, you consent to receive communications from us electronically regarding your request. You agree that electronic notices and records may satisfy legal requirements that such communications be in writing, to the extent permitted by law. Consent to receive SMS messages is separate and is governed by Section 5.

5. SMS/Text Messaging Terms

Program and Sender

The Property Flip Loan SMS program is operated by Forty Two Holdings, LLC d/b/a Property Flip Loan. It provides non-promotional messages about a user's loan inquiry, quote, application, appointment, customer-service request, or transaction. Examples include appointment confirmations and reminders, scheduling messages, requests for information or documents, application-status updates, closing or transaction updates, and replies to customer-service questions.

Property Flip Loan does not send promotional loan solicitations or marketing messages by SMS.

How Consent Is Obtained

SMS consent is collected through the loan inquiry form at https://www.propertyfliploan.com/. A user provides a mobile telephone number and may affirmatively select a dedicated SMS consent checkbox. That checkbox is optional and unchecked by default. SMS consent is not a condition of submitting a loan inquiry, applying for financing, purchasing any service, or obtaining services from us.

By selecting the SMS checkbox and submitting the form, you authorize Forty Two Holdings, LLC d/b/a Property Flip Loan to send the non-promotional text messages described in this section to the telephone number you provided. Your consent applies only to this SMS program and does not constitute approval of or agreement to any loan terms.

Message Frequency and Charges

Message frequency varies depending on your inquiry, application, appointments, requests, and transaction activity. Message and data rates may apply according to your wireless plan. Contact your wireless carrier for details.

Opting Out

You may cancel SMS messages at any time by replying STOP to any message from us. We may send one confirmation message stating that you have been unsubscribed. After that confirmation, you will receive no further messages through the SMS program unless you later opt in again. To rejoin, submit a new affirmative opt-in through our website or follow any other lawful re-enrollment instructions we provide.

Help and Support

For help, reply HELP to any message, email hello@propertyfliploan.com, or call 443-684-7997.

Carrier Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages. Message delivery is subject to effective transmission by your carrier and is not guaranteed. You are responsible for maintaining a compatible device and an active wireless service plan.

SMS Privacy

We do not sell, rent, or disclose mobile telephone numbers, SMS opt-in records, or SMS consent to third parties or affiliated companies for their own marketing or promotional purposes. We may provide this information only to service providers that help us operate, support, or deliver the messaging program and that are permitted to use it solely for those services. SMS opt-in data and consent will not otherwise be shared with third parties.

Our collection and use of information are further described in our Privacy Policy.

6. Email and Other Non-SMS Marketing

Where permitted by law, Property Flip Loan may send marketing communications by email or through other non-SMS channels in accordance with your communication preferences. You may unsubscribe from marketing emails through the link included in the message or by contacting us. Opting out of marketing does not prevent communications reasonably necessary to respond to or administer an active inquiry, application, transaction, account, or legal obligation.

7. Intellectual Property

The website and its text, graphics, logos, designs, photographs, software, and other content are owned by or licensed to Property Flip Loan and are protected by applicable intellectual-property laws. You may view and use the website for your personal or internal business use related to evaluating our services. No other copying, distribution, modification, publication, sale, or exploitation is permitted without our prior written consent.

8. Third-Party Links and Services

The website may contain links to third-party websites or use third-party services. We provide those links or integrations for convenience and do not control or endorse third-party content, terms, privacy practices, availability, or security. Your use of third-party services is governed by their own terms and policies.

9. Website Availability and Disclaimers

To the fullest extent permitted by law, the website and its content are provided "as is" and "as available." We do not warrant that the website will be uninterrupted, error-free, secure, or free from harmful components, or that website information will always be complete, current, or suitable for a particular purpose.

Nothing in these Terms excludes any warranty or right that cannot lawfully be excluded.

10. Limitation of Liability

To the fullest extent permitted by law, Property Flip Loan and its owners, officers, employees, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of or inability to use the website. Our total liability arising from the website will not exceed the amount, if any, you paid specifically to access the website.

This limitation does not apply to liability that cannot be limited or excluded under applicable law and does not alter obligations contained in a separate written loan or service agreement.

11. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Property Flip Loan and its owners, officers, employees, and agents from claims, liabilities, damages, and reasonable costs arising from your unlawful use of the website, your material violation of these Terms, or information you submit without authorization.

12. Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles. Any dispute concerning the website or these Terms will be brought in a court of competent jurisdiction in Maryland, except where applicable law requires otherwise. A separate written loan or service agreement may contain different governing-law or dispute provisions, which will control for that agreement.

13. Changes to These Terms

We may update these Terms from time to time. The revised Terms will be posted on this page with a new "Last Updated" date. Changes apply prospectively from the date posted unless applicable law requires otherwise. Your continued use of the website after an update constitutes acceptance of the revised Terms.

14. General Provisions

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. We may assign these Terms in connection with a business transaction or by operation of law. You may not assign your rights under these Terms without our written consent. These Terms, together with the Privacy Policy and any separate written agreement applicable to a transaction, constitute the applicable agreement between you and us concerning the subject matter they address.

15. Contact Us

Questions about these Terms or the SMS program may be directed to:

Forty Two Holdings, LLC d/b/a Property Flip Loan
2086 Generals Highway, Suite 305
Annapolis, MD 21401
Email: hello@propertyfliploan.com
Phone: 443-684-7997
Website: https://www.propertyfliploan.com/