Terms of Service

By accessing or using the website churchlend.com (the "Site"), operated by ChurchLend, a DBA of Hightower Corp Inc. ("ChurchLend," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Site.

ChurchLend provides a free, educational church loan readiness platform that includes:

• A church loan readiness assessment that scores churches on factors lenders evaluate
• Financial calculators for loan payments, debt service coverage, loan-to-value, affordability, refinance savings, and capital campaign planning
• A directory of church lenders including extension funds, credit unions, brokers, and banks
• A searchable database of grants available to churches and houses of worship
• Educational articles, guides, and resources about church financing
• Optional lender matching services to connect churches with financing partners

ChurchLend is an educational tool, not a lender. We do not originate, underwrite, fund, or service loans. We do not provide financial advice, investment advice, tax advice, or legal advice. The information provided on our Site is for educational and informational purposes only and should not be construed as professional financial guidance.

Readiness scores, rate estimates, calculator outputs, and any other data generated by our tools are estimates based on general industry benchmarks and the information you provide. They do not constitute a loan offer, pre-approval, commitment to lend, or guarantee of any specific terms or rates.

Actual loan terms, rates, fees, and eligibility are determined solely by the lender based on their own underwriting criteria, your complete financial profile, property appraisal, and other factors not captured by our assessment.

When using our Site, you agree to:

• Provide accurate and truthful information in assessments, forms, and other submissions
• Use the Site only for lawful purposes related to church financing research
• Not attempt to gain unauthorized access to any part of the Site, our systems, or other users’ data
• Not use automated tools (bots, scrapers) to access or collect data from the Site without our written permission
• Not submit false, misleading, or fraudulent information
• Not use the Site in any way that could damage, disable, or impair our services

All content on the Site, including text, graphics, logos, images, calculators, assessment tools, scoring algorithms, and software, is the property of ChurchLend or its content providers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from our Site without our prior written consent, except for personal, non-commercial use related to evaluating your church’s financing options.

When you request to be matched with a lender, we may share your assessment data and contact information with one or more lending partners. By requesting a lender match, you consent to this sharing and understand that:

• We are introducing you to independent third-party lenders over whom we have no control
• Any lending relationship is between you and the lender directly
• We make no guarantees about loan approval, rates, terms, or the quality of service provided by any lender
• We may receive referral compensation from lending partners
• You are not obligated to work with any lender we introduce

THE SITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We do not warrant the accuracy, completeness, or reliability of any information, scores, estimates, or recommendations provided through our tools.

TO THE FULLEST EXTENT PERMITTED BY LAW, CHURCHLEND AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

You agree to indemnify, defend, and hold harmless ChurchLend and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of any third party.

Our Site may contain links to third-party websites, including lender websites, grant databases, and educational resources. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Your use of third-party websites is at your own risk.

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Orange County, California.

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.

We may terminate or suspend your access to the Site at any time, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Site will cease immediately.

You must be at least 18 years old to use the Site. If you use the Site on behalf of a church or organization, you represent that you are authorized to act on its behalf and to accept these Terms for it.

By using the Site or providing your contact information, you consent to receive communications from us electronically, including by email. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing.

We may add, change, suspend, or discontinue any part of the Site or our services at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Site or services.

We may assign or transfer these Terms, in whole or in part, including in connection with a merger, acquisition, or sale of assets. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

Our failure to enforce any provision of these Terms is not a waiver of our right to do so later. Any waiver must be in writing and signed by us to be effective.

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

These Terms, together with our Privacy Policy and any notices posted on the Site, make up the entire agreement between you and us regarding the Site, and supersede any prior agreements on that subject.

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