Effective Date: October, 2024
Last Updated: October, 2025
Welcome to Black Swan Lending (“we,” “us,” “our,” or “Company”). These Terms & Conditions (“Terms”) govern your use of our website, www.blackswanlending.co (“Site”), and any related products, services, applications, forms, or content we provide (collectively, the “Services”).
By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site or Services.
1. Use of the Website
The information and materials on this Site are provided for informational and educational purposes only and are not intended as financial, legal, or investment advice. Your use of this Site is subject to compliance with all applicable laws and regulations.
You agree not to:
- Use the Site for any unlawful, fraudulent, or harmful purpose.
- Submit false, misleading, or incomplete loan information.
- Attempt to gain unauthorized access to our systems or interfere with the Site’s operation.
- Copy, modify, or reproduce any part of this Site without prior written consent.
We reserve the right to restrict or terminate access to the Site at our discretion if we believe you have violated these Terms.
2. No Guarantee of Loan Approval
Completion of a form, submission of an application, or communication with Black Swan Lending does not constitute a loan approval, offer, or commitment to lend.
All loan terms, approvals, and rates are subject to:
- Satisfactory underwriting and due diligence
- Verification of borrower and collateral information
- Compliance with applicable state and federal regulations
Black Swan Lending reserves the right to modify, suspend, or withdraw any loan program or eligibility criteria at any time without prior notice.
3. Intellectual Property Rights
All content, logos, trademarks, graphics, designs, text, videos, and materials displayed on the Site are the intellectual property of Black Swan Lending or its licensors.
You may not copy, reproduce, distribute, publish, display, or transmit any portion of the Site for commercial purposes without prior written authorization from us.
You are permitted to download or print a reasonable number of copies of materials for personal, non-commercial use only, provided that you do not remove any copyright or proprietary notices.
4. Third-Party Links and Services
This Site may contain links to third-party websites or services (such as application forms, credit verification, or analytics tools).
We are not responsible for:
- The content, policies, or practices of third-party sites.
- Any damages or losses resulting from your use of or reliance on third-party resources.
Your interactions with third-party websites are governed by their own terms and privacy policies.
5. Disclaimer of Warranties
The Site and all related materials are provided “as is” and “as available.”
We make no representations or warranties of any kind, express or implied, regarding:
- The accuracy, completeness, reliability, or availability of the Site;
- The results obtained from the use of the Site or Services; or
- The uninterrupted or error-free operation of the Site.
To the fullest extent permitted by law, Black Swan Lending disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
6. Limitation of Liability
To the maximum extent permitted by law, Black Swan Lending, its affiliates, officers, directors, employees, and agents shall not be liable for any damages of any kind arising from your use or inability to use the Site or Services.
This includes, but is not limited to, direct, indirect, incidental, punitive, or consequential damages, even if advised of the possibility of such damages.
7. Indemnification
You agree to indemnify, defend, and hold harmless Black Swan Lending and its affiliates from any claims, losses, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from:
- Your use or misuse of the Site;
- Your violation of these Terms;
- Your infringement of any intellectual property or other rights.
8. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law principles.
Any dispute arising from or related to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Mecklenburg County, North Carolina. You consent to the jurisdiction and venue of these courts.
9. Updates to These Terms
We may revise or update these Terms from time to time. The updated version will be posted on this page with a new “Effective Date.”
Your continued use of the Site after such changes constitutes acceptance of the revised Terms.
10. Contact Information
If you have any questions or concerns regarding these Terms, please contact us at:
Black Swan Lending
Website: www.blackswanlending.co
Email: info@blackswanlending.co
Phone: (919) 949-0772
11. Entire Agreement
These Terms constitute the entire agreement between you and Black Swan Lending regarding your use of the Site and supersede any prior agreements or communications related to it.