Paulas 365 Capital
Last Updated: February 21, 2026
NOTICE: Please read these Terms + Disclosures carefully. By accessing, viewing, or using this website and/or any program, product, course, consultation, application, form submission, or service offered by Paulas 365 Capital, you agree to be bound by these Terms + Disclosures and our Privacy Policy.
IMPORTANT: The sections titled “Binding Arbitration” and “Class Action Waiver” affect your legal rights.
1) Who We Are
This website is operated by Paulas365, LLC, doing business as Paulas 365 Capital (“Company,” “we,” “us,” or “our”).
The term “you” refers to any visitor, viewer, user, applicant, client, customer, or purchaser of any free or paid program, product, course, consultation, form submission, or service (each, a “Service” or “Product”).
2) United States + Adults Only
This website and our Services are intended for individuals 18 years or older located in the United States. If you access this website from outside the United States, you do so at your own risk and are responsible for compliance with local laws.
3) Changes to These Terms
We may update these Terms + Disclosures at any time. Changes become effective when posted. Your continued use of the website or any Service after updates are posted constitutes acceptance of the updated Terms.
4) Scope of Services
Paulas 365 Capital may provide educational and informational resources and may offer or facilitate business-purpose services, which may include, but are not limited to:
- Biblical business & financial education, coaching, and consulting
- Private lending and/or loan connector services for business-purpose transactions
- Real estate and business financing education and deal intake review
- Referral partnerships and affiliate opportunities (where applicable)
- Templates, training, downloadable materials, and educational resources
Not all Services are available in all locations, and availability may change without notice.
5) Disclosures & Disclaimer (Read Carefully)
A) Educational / Informational Only — No Professional Advice
All information provided on this website, in our communications, and through any Product or Service is for educational and informational purposes only and does not constitute legal, tax, accounting, investment, or financial advice. No professional-client relationship is created by your use of this website or any general information we provide.
You are responsible for your own decisions. We strongly encourage you to consult with qualified licensed professionals (attorneys, CPAs, and financial advisors) before making legal, tax, or investment decisions.
B) No Guarantee of Results
We do not guarantee approvals, terms, outcomes, profits, returns, timelines, or results. Any examples, stories, or testimonials reflect individual experiences and do not guarantee that you will achieve the same or similar results.
C) Lending & Loan Connector Disclosure
Paulas 365 Capital may operate as a private money lender and/or loan connector for business-purpose and/or investment-related transactions, as applicable. All financing is subject to underwriting criteria, documentation review, property/project evaluation, market conditions, and availability of capital. Terms may vary by transaction and jurisdiction.
D) No Consumer Mortgage / No Primary Residence
We do not offer consumer mortgage loans for primary residences, and we do not offer loans intended for personal, family, or household purposes. Our focus is generally on business-purpose financing and/or non-owner-occupied transactions where permitted.
E) State Availability & Licensing Limits
We provide Services only where permitted by applicable law and within our operational and compliance boundaries. We reserve the right to decline any inquiry, application, or request for any reason and to modify criteria, programs, and availability at any time without notice.
6) User Guidelines for Website Use
By using this website, you agree that you will:
- Comply with all applicable laws
- Provide truthful and accurate information
- Not engage in fraudulent, misleading, abusive, harassing, hateful, or unlawful behavior
- Not attempt unauthorized access to the website or systems
- Not submit viruses, malware, or harmful code
- Not use bots, scraping tools, spiders, or automated data collection without written consent
- Not use our content or materials to compete with, reverse-engineer, or replicate our offerings
- Respect the time and boundaries of consultations and scheduled calls
We may restrict or terminate access to the website or Services at any time at our sole discretion.
7) Intellectual Property
All content on this website—including text, graphics, downloads, documents, videos, training materials, designs, and course content—is owned by or licensed to the Company and protected by intellectual property laws.
You may view materials for personal, non-commercial use only. You may not reproduce, resell, distribute, publish, display, transmit, modify, create derivative works from, or exploit our content without prior written permission.
8) Payments, Appointments, and Digital Products
If you purchase any Product or Service, you agree to provide current and accurate payment information. We may use secure third-party payment processors.
Unless stated otherwise in writing:
- Digital products, downloads, and delivered services are generally non-refundable
- Missed appointments and late cancellations may be charged in full
- We may suspend access for nonpayment, fraud, or breach of these Terms
(If you have a separate Refund Policy page, link it here.)
9) Website Availability
We may suspend, restrict, or discontinue this website, any content, or any Services at any time. We do not guarantee uninterrupted access.
10) No Warranties
This website and all Products/Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
11) Limitation of Liability
To the fullest extent permitted by law, the Company shall not be liable for any direct or indirect damages arising from your use of the website or any Products/Services, including loss of profits, business interruption, loss of data, or reliance on information provided.
If liability is found, our maximum liability shall not exceed the amount you paid the Company for the specific Product or Service giving rise to the claim.
12) Indemnification
You agree to indemnify and hold harmless the Company and its officers, directors, employees, contractors, affiliates, successors, and assigns from any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorney’s fees) arising out of your use or misuse of the website, breach of these Terms, or violation of any third-party rights.
13) Governing Law
These Terms shall be governed by the laws of the State of Maryland, without regard to conflict of law rules.
14) Binding Arbitration
If a dispute arises, the parties agree to first attempt to resolve it informally in good faith. If not resolved, you agree that disputes may be resolved by binding arbitration in Frederick County, Maryland, in English, before a single arbitrator, unless applicable law requires otherwise.
Nothing herein prevents the Company from seeking injunctive or equitable relief to protect its intellectual property or confidential business interests.
15) Class Action Waiver
You agree that any claim must be brought in your individual capacity and not as a plaintiff or class member in any purported class action, collective action, or representative proceeding.
16) Severability
If any part of these Terms is held invalid or unenforceable, the remainder shall remain in full force and effect.
17) Entire Agreement
These Terms, together with our Privacy Policy and any posted policies referenced herein, constitute the entire agreement between you and the Company regarding your use of the website and Services.
18) Contact
Questions may be sent to: [email protected]