All website content, including logos, text, graphics, software, trademarks, and design elements, are the intellectual property of Equitable Lending or its content providers and are protected under U.S. and international copyright and trademark laws.

You may not reproduce, modify, distribute, or use our content for any commercial purpose without prior written permission.

This website may contain links to third-party sites or services. Equitable Lending is not responsible for the content, privacy practices, or accuracy of third-party sites. Use of such links is at your own discretion and risk.

All services and content are provided "as is" and "as available" without warranty of any kind, either express or implied, including but not limited to warranties of:

We do not warrant that the website or its content will be error-free, secure, or continuously available.

To the fullest extent permitted by law, Equitable Lending shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages arising out of or relating to your use of, or inability to use, our website or services — even if we have been advised of the possibility of such damages.

You agree to indemnify and hold harmless Equitable Lending, its officers, employees, affiliates, agents, and partners from any claim, liability, loss, damages, expenses, or legal fees resulting from:

10A. Governing Law

These Terms and Conditions and any dispute arising out of or relating to them (including any non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of California and the federal laws of the United States of America, without regard to conflict of law principles.

10B. Mandatory Binding Arbitration

ANY AND ALL DISPUTES, CLAIMS, OR CONTROVERSIES arising out of or relating to these Terms and Conditions, your use of our website, any communications you receive from us, any services we provide, any products we offer, or any other interaction between you and Equitable Lending or any of the Covered Parties (as defined in Section 4) — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the dispute arose before, during, or after your use of our website or services — shall be resolved exclusively through final and binding individual arbitration and shall not be brought or litigated in any court of law, except as specifically provided below.

This arbitration obligation extends to, but is not limited to, claims arising under:

10C. Arbitration Rules and Procedures

The arbitration shall be administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules ("AAA Rules"), which are available at www.adr.org, unless otherwise agreed by the parties in writing. If the AAA is unavailable or unwilling to administer the arbitration, the parties shall mutually agree on an alternative arbitration provider. If the parties cannot agree, a court of competent jurisdiction shall select the arbitrator. A single arbitrator shall preside over the arbitration.

The arbitration shall take place in Los Angeles County, California, unless you and we agree otherwise in writing, or unless the arbitrator determines that a remote or telephonic proceeding is appropriate. The arbitrator shall apply the substantive law applicable to the claims asserted and shall issue a reasoned written decision.

10D. CLASS ACTION AND REPRESENTATIVE PROCEEDING WAIVER

10E. JURY TRIAL WAIVER

10F. Arbitration Costs and Fees

For claims of $25,000 or less, the Company will pay all filing, administrative, and arbitrator fees, unless the arbitrator determines the claim is frivolous. For claims exceeding $25,000, the AAA Consumer Arbitration Rules will govern the payment of fees. Each party shall be responsible for its own attorneys' fees and costs, unless otherwise provided by applicable law or the arbitrator's decision.

10G. Opt-Out Right (Arbitration)

You may opt out of this arbitration provision by sending a written notice to Equitable Lending at 2824 South Robertson Boulevard, Los Angeles, CA 90034 within thirty (30) calendar days of your first use of our website or submission of your information (whichever occurs first). The notice must include your full name, address, telephone number, the email address you used (if any), and a statement that you wish to opt out of the arbitration provision. Opting out of arbitration will not affect any other terms of these Terms and Conditions.

10H. Survival and Severability

These arbitration, class action waiver, and jury trial waiver provisions shall survive the termination of these Terms and Conditions and any relationship between you and the Company. If any part of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. However, if the class action waiver in Section 10D is found unenforceable, then the entirety of this arbitration agreement (Sections 10B-10F) shall be void.

10I. Exclusive Forum (If Arbitration Deemed Unenforceable)

In the event that a court of competent jurisdiction determines that the arbitration provision in this Section 10 is unenforceable for any reason, any legal action or proceeding shall be brought exclusively in a state or federal court located in Los Angeles County, California, and both parties irrevocably consent to the personal jurisdiction and venue of such courts. In such event, the class action waiver (Section 10D) and jury trial waiver (Section 10E) shall remain in full force and effect.

Equitable Lending reserves the right to update or modify these Terms and Conditions at any time. Any changes will become effective upon posting on this page. Your continued use of the site and our services constitutes acceptance of any modified terms.