Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legal agreement between you ("you" or "User") and New City Financial ("Company," "we," "us," or "our"). By accessing and using our website, application, and services, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you may not use our services.

2. Disclaimer

The services provided by New City Financial are offered on an "as-is" and "as available" basis. We do not make any warranties, expressed or implied, regarding the services or information contained therein, including but not limited to any implied warranty of merchantability or fitness for a particular purpose.

3. Limitation of Liability

In no event shall New City Financial, its directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the services or website, even if we have been advised of the possibility of such damages.

4. User Responsibilities

As a user of our services, you are responsible for:

• Providing accurate and complete information in your application
• Maintaining the confidentiality of your account information
• Using our services only for lawful purposes
• Complying with all applicable laws and regulations

5. Loan Application Process

Submission of a loan application does not constitute a commitment to lend. We reserve the right to deny any loan application based on underwriting criteria. All loans are subject to property appraisal, title review, and other standard underwriting requirements.

6. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services following the posting of modified Terms means you accept and agree to the changes.

7. SMS/Text Messaging Terms

By providing your mobile phone number and opting in through our website, you agree to these SMS terms.

• Program. The New City Financial SMS program sends messages related to your commercial financing inquiry, including submission confirmations, callback coordination and follow-up from a loan specialist, requested information, and inquiry status updates.
• Consent. You opt in by checking the SMS consent box on our inquiry form. Consent to receive SMS messages is not a condition of purchasing any goods or services.
• Message frequency. Message frequency varies.
• Message and data rates. Message and data rates may apply.
• Opt-out. Reply STOP at any time to unsubscribe. After you send STOP, we will send a confirmation and will no longer send SMS messages unless you opt in again.
• Help. Reply HELP for assistance, or contact us at (855) 848-2862 or [email protected].
• Carriers.Carriers are not liable for delayed or undelivered messages. Supported carriers may include AT&T, T-Mobile, Verizon Wireless, and others.

8. Contact Us