Effective Date: 01/01/2025 These Terms & Conditions (“Terms”) govern access to and use of the website operated under the domain LLUMILA.com (the “Website”). By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you should not access or use this Website. 1. Business-Purpose Use Only The Website is intended solely for use by real estate investors, business entities, and commercial operators seeking information regarding business-purpose real estate financing. All financing referenced on this Website is intended exclusively for investment, commercial, or business purposes. Owner-occupied properties, primary residences, and consumer-purpose transactions are not eligible and are not supported through this platform. 2. No Offer, Commitment, or Guarantee Information provided on this Website is for general informational purposes only and does not constitute: - An offer to lend - A commitment to provide financing - A guarantee of approval, terms, pricing, or timing Any indicative terms, scenarios, examples, or references to loan structures are illustrative only and subject to change without notice. Financing is contingent upon independent underwriting, due diligence, market conditions, and final approval by the applicable capital provider. 3. No Consumer Credit or Residential Lending Financing referenced on this Website does not constitute consumer credit and is not subject to laws or regulations applicable to consumer or owner-occupied residential lending. By submitting information or engaging with the Website, users acknowledge that any request for financing is strictly business-purpose in nature. 4. Independent Capital Providers LLUMILA may facilitate introductions, submissions, or access to third-party private lenders, institutional capital sources, or funding partners. LLUMILA does not originate or fund all transactions directly. All financing decisions are made solely by the applicable capital provider in accordance with their internal guidelines and approval processes. 5. No Advice or Fiduciary Relationship Nothing on this Website constitutes legal, tax, accounting, investment, or financial advice. LLUMILA does not act as a fiduciary, advisor, or agent on behalf of any user. Users are encouraged to consult with their own legal, tax, financial, and professional advisors prior to entering into any transaction. 6. Accuracy of Information Users represent and warrant that all information submitted through the Website is accurate, complete, and provided in good faith for business-purpose consideration. Submission of inaccurate, incomplete, or misleading information may result in the withdrawal or denial of consideration without notice. 7. No Reliance on Forward-Looking Statements Any references to potential outcomes, timelines, leverage, pricing, or execution are forward-looking in nature and should not be relied upon as factual representations or guarantees. Actual results may vary materially based on asset characteristics, market conditions, borrower qualifications, and capital provider discretion. 8. Jurisdictional Limitations Availability of programs and services may vary by jurisdiction and is subject to applicable laws and regulations. Not all offerings are available in all locations. Nothing on this Website should be interpreted as an attempt to solicit or engage in activity where such activity is not permitted. 9. Intellectual Property All content on the Website, including text, branding, layout, and materials, is the property of LLUMILA or its licensors and may not be copied, reproduced, or distributed without prior written consent. 10. Electronic Communications By submitting information through the Website, users consent to receive communications electronically, including via email, telephone, or text message, regarding inquiries or submissions. 11. Limitation of Liability LLUMILA shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of or inability to use the Website or reliance on any information contained herein. Use of the Website is at the user’s own risk. 12. Modification of Terms LLUMILA reserves the right to modify these Terms at any time without prior notice. Continued use of the Website following any changes constitutes acceptance of the updated Terms. 13. Governing Law These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to conflict of law principles. 14. Contact For questions regarding these Terms, please contact LLUMILA through the Website’s designated communication channels.