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Terms and Conditions

Effective Date: January 1, 2025

By using this website, you agree to the following terms and conditions. If you do not agree, please do not use the site or submit your personal information.

1. Use of the Website

All materials on this website are for informational purposes only and do not constitute financial or legal advice. 5 Point Capital reserves the right to modify or discontinue site functionality at any time without notice.

2. SMS Consent Communication

If you choose to receive SMS messages from 5 Point Capital, you acknowledge and agree to the following:

  • Phone numbers obtained through opt-in processes will not be shared with any third parties for marketing purposes.

  • Messages may include:

    • Appointment or consultation reminders

    • Application or loan status updates

    • Billing or documentation requests

    • Promotional offers (only if you’ve opted in)

Example Message:
“Hi [Name], your refinance appointment with 5 Point Capital is confirmed for Friday at 2PM. Reply STOP to opt-out.”

SMS Privacy Note:
SMS opt-in consent and phone numbers collected for the purpose of SMS are not shared with third parties or affiliates under any circumstances for marketing or promotional use.

3. Message Frequency

  • You may receive up to 2–4 messages per month depending on your activity.

  • Frequency may increase temporarily around application or loan milestones.

4. Messaging Fees

  • Standard message and data rates may apply based on your wireless carrier.

  • 5 Point Capital is not responsible for carrier-related fees or delays.

5. Opt-In Methods

You may opt-in by:

  • Checking a box on our online application or contact form

  • Giving verbal consent during a call

  • Submitting a signed paper form

6. Opt-Out Instructions

You can opt-out of SMS communication at any time by:

7. Help Instructions

8. User Responsibilities

By submitting any forms or inquiries, you agree that all information provided is accurate to the best of your knowledge.

Message Frequency & Fees:

  • Message frequency may vary based on your activity or preferences (e.g., up to 2–4 messages/month).

  • Standard message and data rates may apply.

9. Intellectual Property

All content on this site is the property of 5 Point Capital and may not be reproduced without written consent.

10. Limitation of Liability

5 Point Capital is not liable for any direct, indirect, incidental, or consequential damages resulting from use or inability to use this site, including issues related to SMS delivery or data breaches beyond our control.

11. Governing Law

These terms are governed by applicable Federal laws of the United States and the laws of the State of California.