Date Effective: May, 2025
TERMS OF USE
PLEASE READ THESE TERMS OF USE (“TERMS” OR “AGREEMENT”) CAREFULLY. THIS AGREEMENT CONTAINS A CLASS ACTION WAIVER THAT WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION. YOU MUST REVIEW THIS DOCUMENT IN ITS ENTIRETY, INCLUDING THE DISPUTE RESOLUTION SECTION BELOW, BEFORE PARTICIPATING IN OUR SERVICES.
INTRODUCTION
Welcome to the website and services of Sower LLC (“Sower,” “Company,” “we,” “us,” or “our”). By accessing or using our websites listed in Appendix A (“Site”) or engaging with any of our services, you acknowledge and agree to comply with these Terms of Use. If you do not agree, you should not use our website or services.
GENERAL USE
By using the Site in any manner (automated or otherwise), you agree to be bound by these Terms of Use, our Privacy Policy, our Return Policy, and any other applicable policies. We reserve the right to update or revise these Terms at any time, with changes taking effect immediately upon posting.
BUSINESS PURPOSE ONLY
All funding provided by Sower is exclusively for business-purpose, non-owner-occupied real estate transactions. Our services are not for consumer, personal, or owner-occupied use.
NOT A SETTLEMENT SERVICE PROVIDER
Sower does not offer, coordinate, or provide settlement services as defined by RESPA (12 U.S.C. § 2602(3)), including but not limited to title insurance, escrow services, appraisals, or mortgage brokerage.
INTELLECTUAL PROPERTY RIGHTS
All materials on this Site are owned by us or our licensors and protected under intellectual property law. You are granted a limited, personal, non-commercial license to view and print one copy of individual pages for personal use only. You may not copy, distribute, modify, exploit, or use any content for commercial purposes without explicit permission. Any material you submit to us via the Site or otherwise grants us an irrevocable, royalty-free, worldwide license to use, modify, display, and distribute such content in any format.
LICENSE TO US & WORK FOR HIRE
All user-generated content submitted to us may be treated as “work made for hire” or, if not, assigned to us fully. We retain the right to identify you as the content creator and use the content at our discretion.
REFERRAL COMPENSATION COMPLIANCE
Referral fees are paid only in connection with exempt business-purpose transactions. No fees are paid in connection with federally related mortgage loans or settlement services. All third-party participants are responsible for ensuring legal compliance.
DISCLAIMERS
We may link to third-party sites but do not endorse or control their content. All materials and services are provided “AS IS.” We make no guarantees regarding the accuracy, reliability, or results of any content or services. Consult professional advisors for legal, financial, or other guidance.
LIMITATION OF LIABILITY
To the fullest extent allowed by law, Sower LLC shall not be liable for any indirect, incidental, or consequential damages. Our liability is limited to the amount paid by you for our services. We are not liable for events beyond our control, including but not limited to natural disasters or regulatory changes.
ONLINE COMMERCE
Third-party services may be offered on our Site. We are not responsible for those vendors or their privacy practices. Transactions are between you and the third-party, and we disclaim liability arising from such engagements.
INTERACTIVE FEATURES
You are solely responsible for any content you post or transmit through forums, chats, or other interactive Site features. You must not post illegal, defamatory, or offensive content. We reserve the right to monitor, remove, or edit such content at our discretion.
REGISTRATION
To access certain features, you may need to register and provide accurate information. Providing false information may result in termination of your access. Your personal information will be handled per our Privacy Policy.
TERMINATION
We reserve the right to terminate access to the Site or services at any time without notice. All disclaimers and limitations of liability will survive termination.
NO LEGAL OR FINANCIAL ADVICE
All information on the Site is for informational purposes only and should not be considered legal, financial, or professional advice. Consult a qualified professional for advice.
MODIFICATIONS TO TERMS
We may modify these Terms at any time. Continued use of the Site or services after changes means you accept the revised Terms.
DIGITAL MILLENNIUM COPYRIGHT ACT
If you believe your copyrighted work has been infringed on our Site, send notice to:
Email:
Mailing Address:
159 N Wolcott St Ste 133, Casper, WY 82601
ASSIGNMENT
This Agreement may not be assigned by you without our prior written consent. We may assign all rights and obligations to affiliates or subsidiaries.
DISPUTE RESOLUTION (ARBITRATION AGREEMENT)
All disputes shall be resolved through binding arbitration, except for eligible small claims or IP disputes. Before initiating arbitration, parties must first engage in good-faith informal resolution. No class or collective actions are permitted.
GOVERNING LAW
These Terms are governed by the laws of the State of Florida. Arbitration will be conducted in Jacksonville, FL.
SEVERABILITY
If any provision is deemed invalid or unenforceable, the remainder of the Terms will remain in full force.
APPENDIX A
Websites Covered:
Contact:
Email:
Phone:
+1 (619) 983-0550
Mailing Address:
159 N Wolcott St Ste 133, Casper, WY 82601
NOTICE:
Sower LLC provides funding only for non-owner-occupied, business-purpose real estate transactions and does not provide settlement services. Sower LLC operates outside the scope of RESPA.
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