Effective Date: August 2, 2025

1. Acceptance of Terms
   Leiva Ventures LLC (“Leiva Ventures”) operates the website located at leivaventures.com. By using this Site or interacting with our services, including submitting an inquiry through our contact forms, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site or services.
   
2. Services Provided
   Leiva Ventures is a private capital consulting and brokerage firm. We connect real‑estate investors and professionals with lenders and other partners, and we offer educational content and off‑market property opportunities. We do not directly originate or fund loans; instead, we match you with third‑party lenders and investors. All loan terms, rates, and requirements are subject to the lender’s approval.
   
3. Eligibility and Use of Site
   To use our services you must:

• Be at least 18 years of age and able to enter into binding contracts;
• Provide accurate, complete, and current information when requested;
• Comply with all applicable laws and regulations.

SMS Terms of Service

4.1 Consent to Receive Text Messages
By providing your phone number to Leiva Ventures and submitting a form on our Site, you expressly consent to receive text messages (SMS and MMS) from Leiva Ventures. These messages may include responses to your inquiries, updates about products and services, account notifications, reminders, and other information related to real‑estate financing or property opportunities. Providing your phone number is not a condition of purchase. Your consent remains in place until you opt out as described below.

4.2 Message Frequency and Rates
Message frequency will vary based on the nature of your inquiry. We may send multiple messages to address your request, but you will never receive marketing messages unrelated to your inquiry. Standard message and data rates may apply.

4.3 Opt‑Out Instructions
You can opt out of SMS communications at any time by replying “STOP” to any message you receive. Upon receiving your STOP request, we will send a single confirmation message and will cease sending SMS messages to you. If you wish to start receiving messages again after opting out, reply “START” or contact us via email or phone. For assistance, reply “HELP” to any message or contact us at info@leivaventures.com.

4.4 Use of Phone Numbers
We store your phone number and message history securely. We will not sell, rent, or share your number with third parties or affiliates for marketing purposes. We only disclose your number when required to comply with law or to protect our rights.

5. Limitations of Liability
   Leiva Ventures and its partners are not liable for any indirect, incidental, or consequential damages arising from your use of our Site or your participation in SMS communications. We do not guarantee that messages will be delivered or received promptly; wireless carriers and networks may experience delays or failures.
6. Changes to Terms
   We may update these Terms of Service at any time. If we do, the revised version will be posted on this page with an updated effective date. Your continued use of the Site or services after any modifications constitutes your acceptance of the revised terms.
7. Contact Information
   If you have any questions about these Terms of Service or our SMS program, please contact us:

• Email: info@leivaventures.com
• Phone: +1 (847) 582‑0098