These Terms of Use govern your access to benjoanis.com, which is operated by RVG Capital LLC under the professional brand Ben Joanis. References to “Ben Joanis,” “we,” “us,” or “our” mean RVG Capital LLC operating under that brand. By using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. Informational and professional purpose
The Site is a professional platform for information, networking, and initial inquiries concerning real estate capital, private lending relationships, and investing. Site content is general information and is not financial, legal, tax, investment, underwriting, or lending advice.
2. No commitment to lend
Ben Joanis and benjoanis.com are not offering or making a commitment to lend through this Site. Financing inquiries may be evaluated, referred, arranged, or handled through one or more independent lending, brokerage, advisory, or capital relationships, as appropriate. Products, rates, terms, eligibility, licensing requirements, and availability vary by transaction, property, borrower, jurisdiction, and participating provider.
3. No guarantee of financing
No website statement, communication, preliminary discussion, scenario, or indication of interest constitutes approval, an offer, a rate lock, or a commitment. Any financing is subject to applicable underwriting, documentation, due diligence, approvals, and definitive agreements from the relevant provider.
4. User submissions
You agree to provide accurate information and not submit unlawful, misleading, confidential third-party, or malicious content. Do not submit Social Security numbers, bank statements, credit reports, account credentials, or other sensitive financial documents through the Site.
5. Third parties and external links
References or links to lenders, platforms, service providers, and other websites are provided for convenience and do not constitute a guarantee or endorsement. Independent parties control their own services, terms, privacy practices, and decisions.
6. Intellectual property and acceptable use
Site content and branding may not be copied, republished, or commercially exploited without written permission. You may not interfere with Site security, attempt unauthorized access, introduce malicious code, or use the Site unlawfully.
7. Disclaimers and limitation of liability
The Site is provided “as is” and “as available” without warranties to the fullest extent permitted by law. To the fullest extent permitted by law, RVG Capital LLC and the Ben Joanis professional brand will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of the Site or reliance on its content.
8. SMS communications
Text messaging is governed by the SMS Terms. Consent to receive text messages is optional and is not a condition of obtaining services.
9. Changes and contact
We may update these Terms by posting a revised version and changing the date above. Questions may be directed to ops@benjoanis.com. Governing-law and venue provisions should be finalized with legal counsel before the Site is used for regulated activity.