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OneMoreDoorCapital

Terms of Use

Effective date: August 27, 2026

These Terms of Use (the "Terms") govern your use of onemoredoor.com (the "Site"), our calculators and tools, on the Site or embedded elsewhere, our inquiry and referral forms, our embed script, and our Partner Program (together, the "Services"), operated by OneMoreDoor Capital, LLC ("OneMoreDoor," "we," "us," or "our").

By using the Services you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

Please note: Section 15 contains a binding arbitration provision and class action waiver that affect your legal rights, with a 30-day opt-out.

1. Who We Are

OneMoreDoor Capital, LLC arranges business-purpose loans secured by non-owner-occupied investment property. We work with wholesale lenders and capital providers who make credit decisions and fund loans. We do not offer consumer, personal, family, household, or owner-occupied financing, and the Services are not intended for anyone seeking such financing.

2. Eligibility and Business Use

The Services are intended for adults, 18 or older, acting for business, investment, or professional purposes, including real estate investors, agents, property managers, publishers, lenders, and brokers. By using the Services you represent that you meet these requirements and that any financing you inquire about is for business purposes and secured by non-owner-occupied property.

3. No Offer or Commitment to Lend

Nothing on the Site or in the Services is an offer to lend, an approval, a commitment, a rate lock, or an agreement to arrange financing. All rates, terms, leverage, program parameters, and qualification criteria shown anywhere in the Services are illustrative, subject to change without notice, and subject to full underwriting, property evaluation, documentation, and the credit policies of the funding lender. Programs are not available in all states or for all property types. Any loan we arrange is governed solely by the final written agreements between you and the funding lender.

4. Educational Content, Not Advice

The calculators, guides, playbooks, articles, and other content in the Services are for general educational purposes only. They are not legal, tax, accounting, investment, or financial advice. Calculator outputs are estimates based on the numbers you enter and simplified assumptions; actual payments, costs, returns, and qualification outcomes will differ. You are solely responsible for decisions you make in reliance on the Services.

5. Inquiries

Submitting a scenario through Get Started or any other form is an inquiry, not a loan application, and creates no obligation on either of us. You agree that the information you submit is accurate to the best of your knowledge. By providing contact information and checking the consent box, you agree that we may contact you as described in our Privacy Policy, including by phone and text; reply STOP at any time to stop texts.

6. Referrals You Submit About Other People

If you refer a deal to us and submit information about another person, you represent that you have a genuine business relationship with that person and the right to share their information with us for the purpose of the referral, and that you have not misled them about who we are or what we do. We will reach out to referred individuals personally and will honor their preferences, including their choice not to be contacted. You agree not to submit information about any person you know does not want to be referred.

7. Calculator Embeds: Open Embed License

We make our calculators available for embedding on other websites through our script, currently at https://onemoredoor.com/omd-embed.js (the "Embed").

License. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to embed the calculators on websites you own or control, solely by including our unmodified script tag as documented on the Site.

Conditions. This license requires all of the following:

  1. You must not remove, hide, obscure, alter, or interfere with the attribution line, the business-purpose and non-owner-occupied disclaimer, or any other notice rendered inside a tool.
  2. You must not modify, copy, reverse engineer, frame, wrap, or proxy the Embed, the script, or tool output, or use them to build a competing product.
  3. You must not present a tool in a way that misrepresents its source, implies our endorsement of you or your site outside an approved Partner Program relationship, or suggests that outputs are quotes, approvals, or offers of credit.
  4. You must not place the Embed on any site that is unlawful, deceptive, defamatory, obscene, or discriminatory, or use it to advertise consumer-purpose or owner-occupied mortgage services.
  5. You must not interfere with the Embed's operation, measurement, or updates. The script loads from our servers and updates automatically, so its appearance and behavior may change over time.
  6. Your own terms and privacy policy govern your visitors' use of your site, and you are responsible for any disclosures your jurisdiction requires for embedded third-party content.

Our rights. We may modify, throttle, disable, or discontinue the Embed, globally or for any specific site, at any time, with or without notice, including for violation of these Terms. When your license ends, you must promptly remove the script from your sites.

8. Partner Program

Application and approval. Participation is by application and subject to our approval, which we may grant, deny, or revoke in our discretion. You must provide accurate information and keep your account information current.

Accounts. You are responsible for your credentials and for all activity under your account. Notify us immediately of any unauthorized use. We may suspend or terminate accounts we reasonably believe are compromised or in breach of these Terms.

Partner branding. Approved partners may display our tools with their own name, logo, and colors as supported by the partner dashboard. You grant us a non-exclusive, royalty-free license to host, reproduce, and display the brand assets you upload, solely to render your branded tools and operate the Partner Program. You represent that you own or have rights to those assets.

What branding does not change. Partner branding never removes the OneMoreDoor attribution or the business-purpose disclaimer inside the tools, and it does not make you our agent, employee, franchisee, or representative. You may not state or imply that you are licensed by, employed by, or acting on behalf of OneMoreDoor. Compliance language and required notices inside the tools are not editable by partners.

Your leads are yours. Leads captured through lead generation tools we provide to you are exclusively yours. We store and deliver them on your behalf, we do not market to them, and our internal reporting on them is limited to aggregate counts and rates, as described in our Privacy Policy. You are responsible for maintaining your own privacy policy covering the leads you capture, for using them lawfully, and for honoring their communication preferences. Leads become ours only when the prospect asks us about financing or you refer the deal to us.

No compensation without a signed agreement. Nothing in the Partner Program creates a referral-fee, compensation, or revenue-sharing arrangement unless set out in a separate signed agreement between you and us.

Statistics. Dashboard statistics are provided for your information as is; we do not guarantee their accuracy or availability.

Termination. Either of us may end your participation at any time. On termination, your branded tools may revert to the standard version or stop rendering, and you must stop representing any affiliation with us. Records of borrowers you referred and deals credited to you remain part of our business records. You may request an export of your leads, and Sections 7, 9, and 11 through 18 survive termination.

9. Intellectual Property

The Services, including all content, calculators, software, the embed script, designs, and the OneMoreDoor and OneMoreDoor Capital names and logos, are owned by OneMoreDoor or its licensors and protected by intellectual property laws. Except for the limited licenses expressly granted in these Terms, no rights are granted to you. You may view and print Site content for your own business use with attribution and may link to our pages. Search engines, AI assistants, and answer engines may index the Site, use its content to answer questions, and quote or cite it with attribution to OneMoreDoor Capital and a link to the source page; we encourage that. What is not permitted without our prior written consent is wholesale commercial republication of the Site, the calculators, or their data, and automated bulk extraction that reproduces the Services rather than referencing them.

10. Acceptable Use

You agree not to: use the Services for any unlawful purpose; submit false, misleading, or fraudulent information; impersonate any person or entity; probe, scan, or breach the security of the Services; transmit malware or interfere with the Services' operation; access another user's account without authorization; or use the Services to originate, advertise, or facilitate consumer-purpose or owner-occupied lending.

11. Third-Party Sites and Services

The Services link to and work with third parties we do not control, including lenders and websites that host our embedded tools. We are not responsible for third-party content, products, services, or practices, and links do not imply endorsement.

12. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY CALCULATOR OUTPUT, RATE, TERM, OR OTHER FIGURE IS ACCURATE, CURRENT, OR ACHIEVABLE, OR THAT ANY FINANCING WILL BE AVAILABLE TO YOU. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ONEMOREDOOR AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST OPPORTUNITIES, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS. THESE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, AND NOTHING IN THESE TERMS LIMITS RIGHTS UNDER A SEPARATE SIGNED AGREEMENT GOVERNING A LOAN TRANSACTION.

14. Indemnification

You agree to defend, indemnify, and hold harmless OneMoreDoor and its members, managers, officers, employees, and agents from and against claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to: your use of the Services in violation of these Terms or applicable law; content, sites, or brand assets you provide, including sites where you place the Embed or deploy partner tools; leads you capture through partner tools and your handling of them; referrals you submit, including any claim by a referred person that you lacked the right to share their information; or your violation of any third party's rights.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles.

Any dispute arising out of or relating to these Terms or the Services that the parties cannot resolve informally will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in San Diego, California, before a single arbitrator. You and OneMoreDoor each waive the right to a jury trial and to participate in any class, collective, or representative action. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court for infringement or misuse of intellectual property or the Embed. Before filing arbitration, the complaining party must email hello@onemoredoor.com with a description of the dispute, and the parties will attempt in good faith to resolve it for 30 days. You may opt out of this arbitration provision entirely by emailing hello@onemoredoor.com with the subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms; opting out does not affect any other part of these Terms.

16. Copyright Complaints

If you believe content on the Services infringes your copyright, send a notice compliant with 17 U.S.C. Section 512(c)(3) to hello@onemoredoor.com or to OneMoreDoor Capital, LLC, 4747 Morena Blvd. #375B, San Diego, CA 92117. We respond as required by law and may terminate repeat infringers' access.

17. Changes

We may modify, suspend, or discontinue any part of the Services at any time. We may revise these Terms by posting the updated version here with a new effective date, with additional notice for material changes where the law requires it, including email to partner account holders. Continued use of the Services after a change takes effect means you accept the updated Terms.

18. General

These Terms, together with the Privacy Policy and any separate signed agreements between you and us, are the entire agreement regarding the Services. If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing here creates any agency, partnership, joint venture, or employment relationship.

19. Contact

OneMoreDoor Capital, LLC
4747 Morena Blvd. #375B
San Diego, CA 92117
hello@onemoredoor.com
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