Welcome to Hester Diversified Investments. By accessing our website and using our services, you agree to comply with and be bound by the following Terms & Conditions. Please review these terms carefully.
1. Acceptance of Terms
By accessing or using our website, submitting a loan application, or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy.
2. Services Overview
Hester Diversified Investments provides direct business lending services, including but not limited to:
- Working capital loans
- Equipment financing
- Revenue-based financing
- Business expansion funding
- Commercial real estate financing
- Business acquisition loans
All lending services are subject to credit approval, underwriting review, and compliance with applicable federal and state regulations.
3. Loan Application Process
When you submit a loan application, you represent and warrant that:
- All information provided is accurate, complete, and truthful
- You have the authority to bind your business to loan agreements
- Your business is in good standing and legally authorized to operate
- You will provide any additional documentation requested during underwriting
We reserve the right to verify all information provided and may decline applications at our sole discretion.
4. Loan Terms & Repayment
Specific loan terms, including interest rates, repayment schedules, fees, and collateral requirements, will be outlined in individual loan agreements. By accepting a loan offer, you agree to:
- Make timely payments according to the agreed schedule
- Pay any applicable fees, interest, and charges
- Maintain any required collateral or security interests
- Notify us immediately of any changes to your business status or ability to repay
Failure to comply with loan terms may result in default, collection actions, and credit reporting.
5. Fees & Charges
We maintain transparent pricing with no hidden fees. All applicable costs, including origination fees, interest rates, and any other charges, will be clearly disclosed before you accept a loan offer. We do not charge prepayment penalties.
6. Use of Website
You agree to use our website only for lawful purposes and in a manner that does not infringe on the rights of others. Prohibited activities include:
- Attempting to gain unauthorized access to our systems
- Transmitting harmful code, viruses, or malware
- Using automated systems to scrape or download content
- Misrepresenting your identity or affiliation
7. SMS Terms & Conditions
7.1 SMS Program Description
By providing your mobile phone number and expressly opting in via our contact form, you consent to receive recurring marketing and promotional SMS/MMS messages from Hester Diversified Investments. Messages are sent using an automated telephone dialing system (ATDS) and may include offers, updates, and information about our financial products and services.
7.2 Message Frequency & Costs
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier plan. We do not charge for text messages, but your carrier's standard messaging and data rates will apply.
7.3 How to Opt Out
You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you send STOP, we will send you a confirmation message and you will no longer receive SMS messages from us unless you opt in again.
7.4 Help & Support
For assistance or more information about our SMS program, reply HELP to any message or contact us at audrey@hesterdiversifiedinvestments.com.
7.5 Consent Not Required for Service
Consent to receive marketing text messages is NOT a condition of purchase or eligibility for our lending services. You may apply for and receive business funding without opting in to SMS communications.
7.6 Carrier Compatibility
Our SMS service is supported by major U.S. wireless carriers including AT&T, Verizon, T-Mobile, Sprint, and most other carriers. Message delivery is subject to carrier network availability and may be delayed or undelivered due to factors beyond our control.
7.7 Program Changes & Termination
We reserve the right to modify or terminate our SMS program at any time without prior notice. We may also suspend or terminate your access to SMS services if you violate these terms or engage in abusive behavior.
7.8 Privacy & Data Use
Your mobile phone number and SMS opt-in data are governed by our Privacy Policy. We will not share your mobile number or opt-in consent data with third parties for their marketing purposes.
8. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Hester Diversified Investments and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Disclaimer of Warranties
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee uninterrupted or error-free operation of our website or that all information is accurate or complete.
10. Limitation of Liability
To the fullest extent permitted by law, Hester Diversified Investments shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages.
11. Indemnification
You agree to indemnify and hold harmless Hester Diversified Investments, its officers, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our services or violation of these terms.
12. Governing Law
These Terms & Conditions are governed by the laws of the State of Oklahoma, without regard to conflict of law principles. Any disputes arising from these terms or our services shall be resolved in the courts of Oklahoma.
13. Changes to Terms
We reserve the right to modify these Terms & Conditions at any time. We will notify users of significant changes by updating the "Last Updated" date at the top of this page. Continued use of our services after changes constitutes acceptance of the revised terms.
14. Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
15. Contact Information
If you have questions about these Terms & Conditions, please contact us:
Hester Diversified Investments
48139 Caughern Lane
Heavener, OK 74937
Email: audrey@hesterdiversifiedinvestments.com