Legal

Terms of Service

Effective Date: February 12, 2026

Welcome to the website of Richtown Investments Inc ("we," "our," or "us"). By accessing or using our website at richtown-investments.com, you agree to be bound by these Terms of Service. If you do not agree, please do not use our website.

Use of Website

This website is provided for informational purposes and to facilitate communication between you and Richtown Investments Inc regarding our direct lending services. You agree to use this website only for lawful purposes and in accordance with these Terms.

You may not use this website in any way that could damage, disable, or impair the site, or interfere with any other party's use of the website.

No Guarantee of Lending

Nothing on this website constitutes a commitment to lend, a loan approval, or a guarantee of any financial product or service. All lending decisions are subject to our underwriting criteria and approval process. Submission of a contact form or inquiry does not create a lending agreement.

SMS/Text Messaging Terms

By opting in to receive SMS messages from Richtown Investments Inc, you agree to the following:

• You may receive SMS messages related to your inquiry, loan status, account notifications, and marketing communications from Richtown Investments Inc.
• Messages may be sent using an automatic telephone dialing system (ATDS) or prerecorded/artificial voice technology.
• Consent to receive SMS messages is NOT a condition of purchase. You are not required to consent to SMS messaging to receive any product, service, or lending decision from Richtown Investments Inc.
• Message frequency varies. Message and data rates may apply depending on your mobile carrier and plan.
• You may opt out at any time by replying STOP to any SMS message. You may also request help by replying HELP.
• We will not share your phone number or SMS opt-in consent with any third parties for their marketing purposes.

Intellectual Property

All content on this website — including text, graphics, logos, and images — is the property of Richtown Investments Inc or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of the website or its content. We disclaim all warranties to the fullest extent permitted by law.

Limitation of Liability

To the maximum extent permitted by law, Richtown Investments Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be effective upon posting to this page. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

Contact Us

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