Terms of Service

This page is maintained by Trato Lending to answer common legal and service questions about our website and loan offerings. It is not a certification, audit report, or independent legal opinion. Please read these terms carefully before using our website or submitting a loan inquiry.

1. Agreement to Terms

By accessing or using the Trato Lending website (the “Site”), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you should not use the Site or submit any information through it.

2. Loan Services

Trato Lending provides information about private capital loan products for investment real estate. All loans are subject to underwriting, approval, and the execution of final loan documents. Preliminary terms, rate quotes, and indicative term sheets are not commitments to lend. We lend on investment properties only; we do not originate consumer or owner-occupied residential loans through this Site.

3. SMS Communications and A2P 10DLC

By providing your mobile phone number through the Site, our chat widget, or any other Trato Lending contact channel, you consent to receive text messages (SMS) from us at the number you provide. These messages are transactional in nature and relate to your loan inquiry, application status, follow-up, and related servicing communications.

• Message frequency: Frequency varies based on your loan inquiry and application status.
• Rates: Message and data rates may apply from your wireless carrier.
• Opt-out: You can opt out of SMS messages at any time by replying STOP to any message. After you opt out, you may receive one final confirmation message.
• Help: For help, reply HELP to any message or contact us using the information below.
• No purchase necessary: Consenting to receive SMS messages is not a condition of purchasing any goods or services.
• Consent: Carriers are not liable for delayed or undelivered messages. Your consent to receive SMS messages is tied to the specific phone number you provide and is not transferable to another person or number without your express consent.

4. Intellectual Property

All content on the Site, including text, graphics, logos, and images, is the property of Trato Lending or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any Site content without our prior written permission.

5. Disclaimers

The Site and its content are provided “as is” and “as available” without warranties of any kind, either express or implied. We do not guarantee that the Site will be uninterrupted, error-free, or free of harmful components. Loan information is for general informational purposes and may not reflect current availability, rates, or terms.

6. Limitation of Liability

To the fullest extent permitted by law, Trato Lending and its officers, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or any loan inquiry, even if advised of the possibility of such damages.

7. Indemnification

You agree to indemnify, defend, and hold harmless Trato Lending and its affiliates from any claims, damages, liabilities, costs, or expenses arising out of your use of the Site, your violation of these terms, or your violation of any rights of a third party.

8. Governing Law

These Terms of Service are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising under these terms will be resolved in the courts located in Pinellas County, Florida.

9. Changes to These Terms

We may update these Terms of Service from time to time. The updated version will be posted on this page with a revised “Last updated” date. Your continued use of the Site after any changes constitutes your acceptance of the revised terms.

10. Contact Us

If you have questions about these Terms of Service, please contact us:

Trato Lending
7901 Fourth Street N # 25576
St. Petersburg, FL 33702
Phone: +1 813-544-2420
Email: hello@tratolending.com