Terms and Conditions

Last Updated: 1/1/2026

1. Acceptance of Terms By accessing and using the website https://republiclendingco.com/ ("the Site") and associated services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

2. SMS/Text Messaging Terms & Conditions By opting into receiving SMS/text messages from The Republic Lending Company, you agree to the following terms:

Program Description: We send text messages to provide updates on your loan application, request missing documentation (such as scope of work or property photos), approve draw requests, and communicate funding notifications.

Message Frequency: Message frequency varies based on your interaction with us and the status of your loan application.

Cost: Message and data rates may apply. Check with your mobile carrier for details.

Opt-Out: You can cancel the SMS service at any time. Just text "STOP" to the short code or number. 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.

Help: 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 832-525-1633.

Carrier Liability: Carriers are not liable for delayed or undelivered messages.

3. Intellectual Property The content, organization, graphics, design, compilation, and other matters related to the Site are protected under applicable copyrights and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use, or publication by you of any such matters or any part of the Site is strictly prohibited.

4. Privacy Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy at https://republiclendingco.com/privacypolicy.

5. Limitation of Liability The Republic Lending Company shall not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including loss of revenue or income, pain and suffering, emotional distress, or similar damages.

6. Changes to Terms We reserve the right to change these Terms and Conditions at any time. Your continued use of the Site after changes are posted constitutes your acceptance of the modified terms.

7. Contact Information The Republic Lending Company 1334 Brittmoore Rd, Houston, Texas 77043 [email protected] 832-446-2335