Legal
Terms of Service
Effective Date: 2026 — The Summers Capital, a division of The Summers Organization, LLC
Contents
01
Introduction
Welcome to The Summers Capital. These Terms of Service govern your access to and use of this website, including any pages, content, materials, features, forms, communications, or digital services made available through it.
By accessing or using this website, you agree to be bound by these Terms. If you do not agree, you should not use this website.
"The Summers Capital" refers to the private commercial real estate lending division of The Summers Organization, LLC. "You" refers to any visitor, user, broker, applicant, or person accessing this website.
02
Purpose of the Website
This website is provided for general informational and business communication purposes. It may include information about The Summers Capital, its lending programs, team, business activities, and related operations.
The information on this website is not intended to constitute legal, tax, investment, financial, real estate, accounting, or professional advice. Nothing on this website should be interpreted as an offer to lend, a commitment to lend, a solicitation, or a recommendation regarding any loan, investment, security, asset, or transaction.
Any lending, business, or advisory relationship with The Summers Capital must be governed by separate written agreements signed by authorized representatives of the appropriate parties.
03
Eligibility and Use
By using this website, you represent that you are legally permitted to access and use it under the laws applicable to you.
You agree to use this website only for lawful purposes and in a manner consistent with these Terms. You may not use this website in any way that could damage, disable, overburden, impair, interfere with, or compromise the operation, security, integrity, or availability of the website.
The Summers Capital reserves the right to restrict, suspend, or terminate access to the website at any time and for any reason, including suspected misuse, unauthorized access, or violation of these Terms.
04
Intellectual Property
All content on this website, including text, graphics, logos, images, design elements, layouts, page structure, visual presentation, icons, and written materials, is owned by or licensed to The Summers Capital or The Summers Organization unless otherwise stated.
This content is protected by copyright, trademark, trade dress, and other intellectual property laws. You may view and use the website for personal, informational, and non-commercial purposes only.
You may not copy, reproduce, distribute, modify, publish, transmit, display, perform, license, create derivative works from, sell, or exploit any portion of the website or its content without prior written permission.
05
Trademarks and Brand Materials
The names, logos, marks, taglines, trade names, and brand elements displayed on this website are the property of The Summers Capital, The Summers Organization, or their affiliates, unless otherwise noted.
Nothing on this website grants you any right, license, or permission to use any The Summers Capital name, logo, trademark, brand identity, or similar designation without prior written consent.
You may not use any The Summers Capital brand material in a way that suggests sponsorship, affiliation, endorsement, partnership, or approval without written authorization.
06
Website Restrictions
You agree not to:
- Use the website for unlawful, fraudulent, harmful, or misleading purposes.
- Attempt to gain unauthorized access to any portion of the website, server, system, database, or network.
- Use automated tools, bots, scrapers, crawlers, or similar technologies to access, copy, harvest, or index website content without permission.
- Interfere with the website's performance, security, or functionality.
- Upload or transmit viruses, malicious code, spyware, or harmful files.
- Misrepresent your identity or affiliation with any person or organization.
- Use website content for commercial purposes without written permission.
- Remove, obscure, or alter copyright, trademark, or proprietary notices.
07
User Submissions and Communications
This website may allow you to submit information through contact forms, loan request forms, inquiry forms, email links, or other communication tools.
By submitting information to The Summers Capital through this website, you represent that the information is accurate, lawful, and submitted by you voluntarily.
Unless a separate written agreement states otherwise, submissions made through this website should not be considered confidential, proprietary, or privileged. The Summers Capital is not obligated to review, respond to, accept, or act upon any submission.
Submission of a loan request, deal inquiry, or application through this website does not constitute a commitment to lend and does not create a lender-borrower relationship.
08
Privacy
Your use of this website may involve the collection or processing of certain information. The Summers Capital's handling of personal information is described in its Privacy Policy.
By using this website, you acknowledge that you have reviewed or had the opportunity to review the Privacy Policy.
09
Third-Party Websites and Services
This website may contain links to third-party websites, platforms, applications, or external resources. These are provided for convenience only.
The Summers Capital does not control and is not responsible for the content, policies, security, availability, accuracy, or practices of third-party websites or services.
10
No Investment, Legal, Tax, or Financial Advice
The content on this website is provided for general informational purposes only. Nothing on this website should be interpreted as:
- Investment advice
- Financial advice
- Legal advice
- Tax advice
- Accounting advice
- A recommendation to buy, sell, hold, or invest in any asset
- A guarantee of loan approval, performance, income, or return
- An offer or commitment to lend
You should consult qualified professionals before making legal, tax, financial, investment, real estate, or business decisions.
11
Lending Information Disclaimer
All loan programs, terms, rates, and parameters described on this website are indicative only and subject to change without notice.
Nothing on this website constitutes a commitment to lend, an approval of any loan request, or a guarantee that any transaction will be completed.
All lending decisions are made at the sole discretion of The Summers Capital, a division of The Summers Organization, LLC, and are subject to final credit and underwriting approval.
This website is not an offer or solicitation to lend in any jurisdiction where such activity is prohibited by law.
12
Accuracy of Information
The Summers Capital seeks to provide accurate and thoughtful information but does not guarantee that the website or any content will always be complete, current, reliable, error-free, or uninterrupted.
Website content may be updated, modified, removed, or changed at any time without notice. Any reliance on website materials is at your own risk.
13
Payments, Transactions, and Third-Party Providers
If this website processes any payments, applications, or transactions through third-party providers, those transactions may be subject to additional terms.
The Summers Capital is not responsible for third-party payment processors, banks, card networks, platforms, or external service providers except as required by applicable law.
14
Copyright Complaints
If you believe that material on this website infringes your copyright, you may submit a written notice to The Summers Capital that includes: your signature, identification of the copyrighted work, identification of the infringing material, your contact information, a good-faith belief statement, and an accuracy statement.
Copyright-related notices should be directed to our legal counsel. General business inquiries should be directed through the Contact page.
15
Disclaimer of Warranties
This website and all content, materials, features, and services are provided on an "as is" and "as available" basis.
To the fullest extent permitted by law, The Summers Capital disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and uninterrupted operation.
16
Limitation of Liability
To the fullest extent permitted by law, The Summers Capital and its affiliates, owners, directors, officers, employees, representatives, agents, contractors, advisors, partners, and service providers will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to your use of the website, reliance on website content, or any third-party website or service.
17
Indemnification
You agree to defend, indemnify, and hold harmless The Summers Capital and its affiliates, owners, directors, officers, employees, representatives, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising from your use of the website, violation of these Terms, or any information you submit.
18
Changes to These Terms
The Summers Capital may update these Terms from time to time. Updated Terms may be posted on this page with a revised effective date.
Your continued use of the website after updated Terms are posted means you accept the revised Terms. You are encouraged to review this page periodically.
19
Termination or Restriction of Access
The Summers Capital may suspend, restrict, or terminate your access to the website at any time, with or without notice, if we believe you have violated these Terms or engaged in activity inconsistent with the website's purpose.
20
Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
Any dispute arising from or relating to these Terms or your use of the website shall be resolved in the state or federal courts located in Duval County, Florida, unless another forum is required by applicable law.
21
Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it enforceable. The remaining provisions will remain in full force and effect.
22
No Waiver
The failure of The Summers Capital to enforce any provision of these Terms does not constitute a waiver of that provision or any other right. Any waiver must be in writing and signed by an authorized representative.
23
Entire Agreement
These Terms, together with the Privacy Policy and any other legal notices posted on the website, constitute the entire agreement between you and The Summers Capital regarding your use of the website.
24
Contact Information
Questions about these Terms may be directed to:
The Summers Capital — a division of The Summers Organization, LLC
7738 A C Skinner Pkwy, Jacksonville, FL 32256
deals@thesummersorganization.com