Effective Date: October 10, 2025

These Terms of Service (“Terms”) govern your access to and use of the website and services (the “Website”) provided by loanhome.us, doing business as (DBA) Nortic Strategies (“we,” “us,” or “our”).

These Terms apply only to users located in the United States.

By accessing or using the Website or services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you should not use our Website or services.

1. ACCEPTANCE OF TERMS

By accessing or using the Website or services, you agree to be bound by these Terms and all applicable policies referenced herein, including our Privacy Policy.

2. USER ELIGIBILITY

To use the Website or services, you must be at least 18 years of age and have the legal capacity to enter into a binding contract.

If you are under the age of 18, you may only use the Website with the involvement and consent of a parent or legal guardian.

3. SERVICES PROVIDED

Nortic Strategies provides marketing automation, CRM services, communication tools, lead management systems, and related digital marketing solutions designed to support real estate professionals and businesses.

These services may include, but are not limited to:

- Customer relationship management tools

- Lead capture and management

- Marketing automation

- Email communication tools

- SMS messaging tools

- Appointment scheduling systems

- Landing pages and funnel technology

- Client communication systems

You agree to use the Website and services only for lawful purposes and in compliance with these Terms and all applicable laws and regulations.

4. ACCOUNT REGISTRATION

Certain services or features may require account registration.

You agree to:

- Provide accurate and complete information during registration

- Maintain and promptly update your account information

- Keep your account credentials confidential

- You are responsible for all activity that occurs under your account.

We are not liable for losses caused by unauthorized use of your account.

5. USER OBLIGATIONS AND RESTRICTIONS

You agree not to:

- Use the Website or services for unlawful purposes

- Violate any federal, state, or local laws

- Send spam or unauthorized communications

- Use the system for fraudulent or deceptive activities

- Harm, disrupt, or interfere with the Website or services

- Attempt to gain unauthorized access to systems or data

- Use automated systems, bots, or scraping tools without permission

You are responsible for ensuring that your use of messaging services (including SMS and email) complies with all applicable regulations such as:

- TCPA (Telephone Consumer Protection Act)

- CAN-SPAM Act

- CTIA messaging guidelines

6. PAYMENT AND BILLING

If you purchase paid services, subscriptions, or products from Nortic Strategies, you agree to:

- Provide accurate billing information

- Pay all applicable fees associated with the services

Payments may be processed through third-party payment processors.

You authorize us and our payment processors to charge your selected payment method according to the pricing and billing terms displayed at checkout or in your service agreement. Failure to pay required fees may result in suspension or termination of services.

7. CONTENT OWNERSHIP

All content on the Website, including but not limited to:

- text

- graphics

- logos

- software

- design elements

- marketing materials

is the property of Nortic Strategies or its licensors and is protected by United States intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works from Website content without written permission.

8. THIRD-PARTY LINKS

The Website may contain links to third-party websites or services.

We are not responsible for the content, security, or privacy practices of those third parties.

Your use of third-party websites is at your own risk.

9. SMS COMMUNICATIONS

By providing your phone number through forms, account registration, or other interactions on the Nortic Strategies platform, you consent to receive SMS communications related to the services provided through our platform. SMS messaging may be used by Nortic Strategies and by businesses using our platform to communicate with leads, clients, and customers.

SMS messages may include, but are not limited to:

- Appointment reminders for property showings, consultations, or meetings

- Confirmation messages for bookings, inquiries, or service requests

- Notifications about new offers, features and updates

- Customer service responses and follow-up communications

- Promotional messages related to Nortic Strategies services

- Requests for feedback following appointments or consultations

- System alerts or account notifications related to the platform

Message frequency may vary depending on the services used and the level of interaction between businesses and their clients.

10. SMS OPT-OUT

You can cancel the SMS service at any time. Just text STOP to +1 (631) 239-7133. After you send the SMS message STOP to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or +1 (631) 299-1202. Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. If you have any questions regarding privacy, please read our privacy policy: https://norticstrategies.com/privacy-policy

11. PRIVACY POLICY

Your use of the Website and services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

12. TERMINATION

We reserve the right to suspend or terminate your access to the Website or services at any time if:

- you violate these Terms

- you engage in unlawful or harmful conduct

- your activities create risk for our systems or users

Upon termination, you must immediately stop using the Website and services.

13. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Nortic Strategies and Kevin deNeergaard will not be liable for any:

- direct damages

- indirect damages

- incidental damages

- consequential damages

- loss of profits or data

arising from your use of, or inability to use, the Website or services.

14. INDEMNIFICATION

You agree to indemnify and hold harmless Nortic Strategies and Kevin deNeergaard, including any employees, partners, or affiliates, from any claims, damages, liabilities, or expenses arising from:

- your use of the Website or services

- your violation of these Terms

- your violation of any applicable laws or third-party rights

15. GOVERNING LAW

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

Any legal disputes arising from these Terms shall be resolved exclusively in the courts located in Suffolk County, New York.

16. CHANGES TO TERMS

We reserve the right to modify or update these Terms at any time.

Changes will be posted on this page with an updated Effective Date.

Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

17. CONTACT INFORMATION

loanhome.us DBA Nortic Strategies

Owner: Kevin deNeergaard

Address:

7 Highwoods Ct

Saint James, NY 11780

United States

Email: [email protected]

Website: https://norticstrategies.com/