LendDing Terms of Use
Effective date: 10/9/2026
These Terms of Use govern access to and use of LendDing.com, including its lender directory, search tools, matching features, scenario submission forms, accounts, and related platform services. LendDing is an investment property financing directory and lender matching platform. Submitted scenarios and inquiries may be provided to matching lenders through subscription arrangements or sold as leads or inquiries. LendDing does not broker loans through this platform.
Section One Platform And Inquiry Disclosures
1 Company identity
LendDing.com is a DBA/trade name of N A Nationwide Mortgage, a California corporation, located at 710 Lakeside Way, Suite 200, Sunnyvale, CA 94085. LendDing and N A Nationwide Mortgage are the same legal entity, not separate affiliated companies. In these Terms, “LendDing,” “we,” “us,” and “our” mean N A Nationwide Mortgage doing business as LendDing.com. “You” means the person using the platform and, where applicable, the organization that person is authorized to represent.
2 Acceptance and eligibility
By affirmatively accepting these Terms, creating an account through a process requiring acceptance, submitting an inquiry through a form requiring acceptance, or purchasing a service through a process requiring acceptance, you agree to these Terms. If you do not agree, do not submit inquiries, create an account, or purchase services. These Terms describe the permitted use of publicly accessible platform content as well.
You must be at least 18 years old and legally capable of entering into a binding agreement. If you act for a company or another person, you must have authority to do so. Separate signed agreements or accepted service orders may supplement these Terms for particular services.
3 Investment property and business purpose only
The platform is intended only for financing investment properties for business, investment, or commercial purposes. It does not accept owner-occupied consumer residential mortgage requests or loans primarily for personal, family, or household purposes.
When submitting a scenario, you represent that the property, intended occupancy, and use of proceeds satisfy these restrictions. You must describe the actual purpose and occupancy accurately and promptly report any changes. Property type, entity ownership, or a statement of business purpose does not, by itself, determine a loan’s legal classification. We may decline or stop distributing a scenario that does not meet the platform’s scope.
4 Platform role and no brokerage
LendDing provides directory, advertising, search, matching, and inquiry distribution services. Through this platform, we do not act as your mortgage broker, arrange or negotiate your loan, represent you in financing negotiations, underwrite your loan, issue approvals, or fund loans. A submitted scenario is a request for matching or lender contact, not a mortgage application to LendDing or an engagement of brokerage services.
N A Nationwide Mortgage may conduct separately offered activities outside this platform. Its corporate identity or licenses do not convert platform use into brokerage services. Any separate engagement would require its own applicable agreements and disclosures and is outside the services covered by these Terms.
5 Submission to matching lenders and sale of inquiries
By submitting a scenario or inquiry and accepting the submission disclosure, you authorize us to review, organize, summarize, and submit the information you provide to lenders that appear to match your stated financing criteria. Recipients may include private lenders and other financing providers described on the platform as lenders.
Your scenario or inquiry may be submitted to lenders participating through a subscription arrangement, or sold to matching lenders as a lead or inquiry. Information provided to recipients may include your contact details, property information, requested financing, and supporting information you authorize us to distribute. Recipients may contact you directly regarding your request.
An inquiry may be provided to more than one lender and is not exclusive unless expressly stated in a separate agreement. We do not promise distribution to every matching lender or to any minimum number of lenders. Distribution is subject to available lender participation, platform criteria, applicable law, and your applicable privacy choices. These Terms do not authorize unrestricted public posting of your scenario or unrestricted downstream resale of personal information.
6 Compensation and commercial relationships
LendDing may receive subscription fees, listing fees, advertising fees, paid visibility fees, or payment for leads or inquiries from participating lenders. A lender may compensate us even if your inquiry does not result in a funded loan. Such payment is for the platform service described in the applicable arrangement and does not make LendDing your broker.
Commercial relationships may affect which lenders participate in inquiry distribution, appear in particular searches, or receive enhanced visibility. Paid participation does not establish that a lender offers the lowest cost, best terms, or most suitable financing. These Terms do not impose a borrower broker fee, funded-loan percentage fee, referral success fee, or non-circumvention obligation.
7 Matching search results and paid visibility
Matches and search results may reflect your selected criteria, lender-provided guidelines, property location, available programs, subscription participation, paid visibility, and platform rules. The platform does not necessarily search the entire lending market. Display order may be randomized or affected by commercial arrangements rather than price or loan quality.
A match means the available information appears to align with the applicable criteria. It is not a recommendation, endorsement, suitability determination, credit decision, or loan approval. Sponsored or paid visibility will be identified where required by applicable law. You remain free to compare lenders and pursue financing outside the platform.
8 Lender information and verification
Lender profiles, guidelines, program descriptions, service areas, rates, fees, and other information may be supplied by lenders or compiled from other sources. Information may be incomplete, inaccurate, or outdated. Confirm current availability, requirements, identity, licensing or exemption status, and terms directly with the lender before proceeding.
Directory inclusion, a paid listing, or a lender match is not a certification of a lender’s financial condition, licensing, legal authority, business practices, or ability to fund a loan. Any specifically stated verification applies only to its stated scope and date. Nothing in this section excuses our own legally required diligence or disclosures.
9 No guaranteed response offer or funding
Submission does not guarantee a response, quote, term sheet, approval, commitment, or funding. A lender may decline to review a scenario or may determine that you do not qualify despite an apparent match. Only the applicable lender can determine credit eligibility and issue its own offers and commitments.
Rates, points, leverage, loan amounts, repayment terms, prepayment penalties, fees, and closing estimates are subject to change and lender review. A platform display, calculator result, automated message, or preliminary communication from LendDing is not a rate lock or loan commitment. The legal effect of a lender’s own written documents is determined by those documents and applicable law.
10 Licensing and geographic availability
Company licensing information appears below and in the website’s licensing disclosures. A license is not a regulatory endorsement of the platform, its participating lenders, or any loan program. Programs and inquiry distribution services may be restricted by location or transaction type. Directory visibility does not establish that a lender can legally offer a particular loan in your state.
N A Nationwide Mortgage license information:
California Department of Real Estate corporation license number: 01247594
Company NMLS identifier: 32417. Florida Mortgage Broker number 32417
The company’s licenses do not mean LendDing provides brokerage services through this platform. We may restrict services where required by law. Calling an activity lead generation or describing a loan as business purpose does not exempt an otherwise regulated activity from applicable requirements.
11 Responsibility for submissions and representative authority
You are responsible for the accuracy, completeness, authenticity, and lawful disclosure of submitted information, including property details, occupancy, financing purpose, loan balances, income, expenses, values, budgets, and documents. Estimates must be identified as estimates. Promptly correct material errors or changed circumstances.
If you submit for a borrower, owner, guarantor, or other person, you represent that you have the authority and permissions required to submit the information, request lender contact, and authorize its distribution or sale as an inquiry as described here. Your acceptance does not supply any separate consent the law requires directly from that person. Do not submit another person’s information without appropriate authorization.
12 Submitting brokers and fee protection
Brokers and other representatives remain responsible for their own licensing, borrower agreements, required disclosures, and compensation arrangements. Submitting an inquiry does not engage LendDing as a co-broker or create an obligation for us or a lender to pay you a commission, protect a fee, recognize you as broker of record, or refrain from direct contact.
Any compensation, exclusivity, or fee protection arrangement must be separately agreed with the relevant parties and comply with applicable law. Do not assume a lender has accepted such an arrangement merely because it received your inquiry. These Terms do not modify your existing enforceable agreements with others.
13 Lender contact and communication choices
By requesting lender matching, you request communications from LendDing and the lenders receiving your inquiry about that request, using the contact details you provide, to the extent permitted by law. Lenders may communicate directly with you and have their own responsibilities for lawful contact, privacy, and opt-out handling.
Acceptance of these Terms alone is not consent to automated marketing calls, prerecorded or artificial voice marketing, marketing texts requiring separate consent, unrelated promotions, or contact that violates applicable law. Where additional consent is required, it must be obtained through an appropriate separate disclosure and consent process. Consent to marketing is not a condition of obtaining financing.
You may ask LendDing to stop further inquiry distribution or its own optional communications by using the contact details in Section 32. To stop a particular lender’s communications, contact that lender or use its opt-out method. We will handle requests as required by applicable law. Prior lawful distribution cannot always be undone, but this does not limit duties to communicate deletion or other requests to recipients when required by law. Message and data charges may apply to texts according to your carrier plan.
14 Privacy and information security
Our separate Privacy Policy explains our collection, use, disclosure, retention, and protection of information, including inquiry sales, relevant service providers, and available privacy rights. Review it and any notice presented when information is collected. These Terms do not replace the Privacy Policy, required collection notices, or required privacy choices.
Nothing here waives applicable rights to access, correct, delete, or opt out of the sale or sharing of personal information, or any required recognition of an opt-out preference signal. We will process applicable privacy requests under the Privacy Policy and governing law. Acceptance of these Terms is not a blanket waiver or substitute for legally required privacy consent.
Do not submit Social Security numbers, complete bank account numbers, payment credentials, identity documents, full credit reports, or other highly sensitive information through general inquiry forms. Use an expressly designated secure process if such information is legitimately requested. No system guarantees absolute security; this statement does not limit our legal security or breach notification obligations. Lenders receiving information are independently responsible for their own lawful processing and privacy practices.
15 Credit reports and financing applications
Submitting a scenario does not authorize LendDing to obtain a consumer credit report or initiate a credit inquiry. Any separate credit report request must have a lawful permissible purpose and any authorization required by law. A lender may separately request an application, credit authorization, financial documents, or due diligence materials under its own process. Review that lender’s disclosures before proceeding.
16 Calculators automation and informational content
We may use software, automated matching, or artificial intelligence to summarize, classify, route, or match inquiries and assist with platform services. Such tools may make errors, omit information, or rely on outdated inputs. Review summaries and correct material errors. Platform automation does not issue loan approvals or make final lender credit decisions.
Calculators and estimates, including DSCR, cash flow, LTV, LTC, ARV, payments, and loan amounts, depend on assumptions and may differ from a lender’s methodology. Results are informational and are not appraisals, underwriting conclusions, or guarantees of investment performance. Platform content is not individualized legal, tax, accounting, securities, or investment advice. Obtain professional advice appropriate to your transaction.
Section Two General Platform Terms
17 Accounts and access security
Where accounts are available, provide accurate registration information, maintain current contact details, protect your credentials, and promptly report suspected unauthorized access. You are responsible for activity you authorize through your account. Do not impersonate others, share access contrary to an agreed account arrangement, or access another account without permission. We may require reasonable verification or restrict access to protect accounts and users.
18 Permitted use and prohibited conduct
We grant you a limited, nonexclusive, nontransferable permission to use the platform for its intended lawful purpose, subject to these Terms. You may not submit fraudulent, forged, misleading, unlawfully discriminatory, infringing, or unauthorized material; misrepresent occupancy or loan purpose; impersonate a lender or borrower; or use the platform for unlawful financing or solicitation.
You may not interfere with platform operation, introduce malware, bypass security controls, harvest personal information, send spam, access restricted areas without permission, or use automated scraping or bulk extraction without written authorization, except where applicable law expressly permits the activity. Do not use platform content to build a competing commercial database without permission. These restrictions do not prohibit lawful regulatory reporting or other protected conduct.
19 Submission permissions and public content
You retain ownership of content you submit. To operate the services you request, you grant LendDing permission to host, reproduce, format, summarize, process, and distribute your submitted content to authorized recipients as described in these Terms and the Privacy Policy. We may use service providers for these purposes subject to applicable law and contractual restrictions. This permission does not authorize unrelated use or override privacy rights.
Submitting a private inquiry does not authorize public posting of your identity, financial documents, or scenario. Public scenario publication requires a separate permission or an expressly selected publishing feature. If you intentionally submit a lender profile or other content for public display, you authorize its publication and related promotion within the scope of that feature. Public content may be indexed by search engines and copied by others.
20 Participating lender responsibilities
Lenders and financing providers using listings or receiving inquiries must provide accurate company, contact, program, and licensing information; update material changes; maintain applicable authority; and comply with lending, advertising, privacy, information security, nondiscrimination, and communication laws relevant to their activities.
Recipients may use inquiry information only for evaluating or responding to the relevant financing request and other uses separately authorized by the individual and applicable law. Without appropriate separate permission and legal authority, recipients must not resell inquiries, add individuals to unrelated marketing lists, or disclose information to unrelated parties. Recipients must protect the information, honor applicable privacy and contact choices, and cooperate with legally required requests transmitted by LendDing. Separate lender participation agreements may impose additional obligations.
21 Subscriptions paid listings and lead purchases
If you purchase services, the applicable checkout disclosure, accepted order, or separate participation agreement must identify the price, billing frequency, service scope, any minimum purchase, renewal terms, cancellation process, and applicable refund or lead credit policy. These Terms alone do not establish a specific price, minimum purchase, nonrefundable payment, or authorization for recurring charges.
Recurring subscriptions require the disclosures and consent required by law. Any automatic renewal, cancellation, or price change will be handled under the applicable accepted arrangement and mandatory legal requirements. Material price changes apply prospectively with required notice and consent. We will not impose undisclosed charges.
Unless expressly promised in the applicable agreement, payment does not guarantee a particular placement, inquiry volume, exclusive lead, qualified borrower, response rate, loan closing, or revenue. Claims regarding invalid inquiries, duplicates, credits, refunds, or delivery will be handled under the applicable disclosed purchase terms and law. A separate agreement controls any expressly inconsistent commercial provision for that service, subject to mandatory law.
22 Borrower costs and independent transactions
These Terms do not create a borrower payment obligation to LendDing. Any separately offered paid platform service requires disclosure and agreement before charging. Lenders and other providers may charge their own origination, appraisal, underwriting, legal, title, escrow, inspection, or other fees and may impose repayment charges or penalties. Review their written terms carefully.
You choose whether to contact, apply to, or transact with a lender. Any resulting loan agreement is between you and the applicable lender and other transaction parties. LendDing is not a party to that loan agreement solely because it supplied the inquiry. Nothing here releases any party from responsibility imposed by law for its own conduct.
23 Third party websites and fraud precautions
Links to lender websites, applications, portals, and other services may take you outside LendDing. Those services may have separate terms and privacy policies. We do not control their content, availability, underwriting, payment instructions, or security, and linking does not constitute an endorsement.
Verify identities and payment instructions independently before paying fees, transmitting sensitive documents, or wiring funds. Do not rely only on an email or message announcing changed wire instructions. Promptly report suspected impersonation or misuse of the platform to us.
24 Intellectual property and feedback
The platform’s original content, branding, design, software, and arrangement are owned by LendDing or its licensors and protected by applicable law. Third-party names, logos, and materials remain the property of their owners. You may not reproduce, license, sell, or commercially exploit protected platform materials beyond permitted use without authorization or a lawful exception.
If you voluntarily provide suggestions about the platform, you permit us to use those suggestions without an obligation to compensate you, unless separately agreed. This feedback permission does not authorize use of confidential borrower information or override ownership or privacy rights in unrelated submitted materials.
25 Availability suspension and termination
The platform may experience errors, outages, delayed communications, lost submissions, or maintenance. Confirm receipt of time-sensitive inquiries directly and maintain your own copies of important records. We may change or discontinue features and may reject inquiries or suspend accounts for suspected misuse, security concerns, legal requirements, nonpayment under an accepted agreement, or material violations of these Terms.
Where feasible and legally appropriate, we will provide notice of account restrictions. We may act without prior notice when needed to address urgent security, fraud, or legal concerns. Suspension or discontinuation does not eliminate accrued refund rights, statutory rights, or obligations under separate paid service agreements. You may stop using the platform or request account closure; any subscription cancellation must follow its disclosed process.
26 Disclaimer of warranties
To the extent permitted by law, the platform and general informational content are provided “as is” and “as available,” without implied warranties of merchantability, fitness for a particular purpose, or noninfringement. We do not warrant uninterrupted operation, complete market coverage, perfect matching accuracy, or a successful financing outcome.
This disclaimer does not override express promises in an applicable agreement, mandatory legal duties, or warranties and remedies that cannot lawfully be excluded. No platform disclaimer changes obligations a lender assumes in its own agreement with you.
27 Limitation of liability
To the extent permitted by law, LendDing and its officers, employees, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from platform use, including lost profits or lost financing opportunities, except where such exclusion is prohibited.
To the extent permitted by law, our aggregate liability for claims arising from these Terms or platform services will not exceed the greater of $500 or the amount you paid directly to LendDing for platform services during the 12 months preceding the event giving rise to the claim. Payments you make to a lender for financing do not count as payments to LendDing under this provision.
These exclusions and the liability cap do not apply to fraud, willful misconduct, gross negligence, liabilities that cannot lawfully be limited, or nonwaivable statutory remedies, including applicable privacy remedies. They do not excuse violations of law or override more protective express provisions in a separate agreement.
28 Indemnification
To the extent permitted by law, you agree to indemnify LendDing against third-party claims and reasonable resulting costs, including reasonable legal fees, to the extent caused by your unlawful or unauthorized submissions, infringement of another person’s rights, fraud, or material breach of these Terms. This obligation does not apply to losses caused by LendDing’s own unlawful conduct, negligence, or breach of these Terms.
We will provide reasonably prompt notice of a covered claim and reasonable cooperation. Any defense or settlement arrangement must protect the affected parties’ legitimate interests. You may not settle a claim in a manner that admits fault by LendDing or imposes nonmonetary obligations on it without its consent, which will not be unreasonably withheld.
29 Relationships and preserved duties
Platform use alone does not engage LendDing as your lender, mortgage broker, agent, attorney, tax advisor, or investment advisor. No partnership, joint venture, employment, or exclusive representation is created merely by using the platform.
Nothing in these Terms disclaims an agency or fiduciary relationship that actually arises under applicable law, waives a duty imposed by law, or makes otherwise regulated conduct permissible. The parties’ actual conduct and applicable law govern such questions.
30 Governing law and disputes
California law governs these Terms, except where applicable federal law or mandatory protections of another jurisdiction control. To the extent legally enforceable, disputes concerning these Terms or platform services will be brought in state courts located in Santa Clara County, California, or the appropriate federal court serving that county. This provision does not restrict a legally protected right to use another forum or an eligible small claims court.
You may contact us to seek an informal resolution, but doing so is not a prerequisite to pursuing a claim and does not suspend legal deadlines unless separately agreed. These Terms do not require binding arbitration, waive a jury trial, waive class proceedings, or restrict complaints to regulators or law enforcement.
31 Changes and general provisions
We may update these Terms prospectively by posting revised Terms with an updated effective date. For material changes affecting existing accounts or purchased services, we will provide appropriate notice and obtain renewed acceptance where required. Changes do not retroactively authorize new uses of information or eliminate accrued rights. Your continued use after notice constitutes acceptance only to the extent permitted by law and the applicable acceptance process.
These Terms and applicable accepted service agreements constitute the agreement for platform use. The Privacy Policy describes data practices and governs those practices if a general provision here appears inconsistent; mandatory law always controls. If a provision is unenforceable, the remaining provisions continue to apply to the extent lawful. Failure to enforce a provision is not a waiver. Headings are for convenience.
You may not transfer your account or contractual obligations without our written consent, except as permitted by law or a separate agreement. We may assign these Terms in connection with a lawful reorganization or transfer of the relevant business, subject to existing obligations, applicable notice requirements, and privacy law. Provisions intended by their nature to survive termination, including payment obligations already validly incurred, intellectual property protections, and lawful dispute and liability provisions, survive to the extent applicable. Privacy retention and deletion remain governed by law and the Privacy Policy.
32 Contact information
Questions, complaints, account requests, requests to stop inquiry distribution, privacy requests, and notices may be directed to:
N A Nationwide Mortgage doing business as LendDing.com
710 Lakeside Way, Suite 200
Sunnyvale, CA 94085
Email: info@nw-mortgage.com
For privacy rights and additional request methods, review the Privacy Policy linked on the website. Keep your contact details current so that we can provide relevant service notices.