Terms of Service
The plain-English terms for using Urrutia Advisory — a referral service that connects you with vetted lenders. I'm not a lender, and here's what that means.
Please note: This is a general, plain-English starter policy provided for transparency. It is not legal advice. Have it reviewed and tailored by a qualified attorney before relying on it.
What Urrutia Advisory is
Urrutia Advisory is a 1-to-1 referral service that connects business owners with vetted, direct lenders. Urrutia Advisory is not a lender, does not make credit decisions, does not issue commitments, and does not guarantee that you will be approved or receive any particular terms. All financing is provided by and subject to the review of third-party lenders.
No guarantee; informational only
Any figures, examples, timelines, or descriptions on this site are general and illustrative. They are not an offer, a quote, or a guarantee of rates, amounts, or approval. Your actual options depend entirely on the lender's underwriting of your specific situation.
Your responsibilities
You agree to provide accurate, truthful information and to deal directly with any lender I introduce you to. You are responsible for reviewing and deciding whether to accept any lender's offer.
Third-party lenders & regulated products
Lenders in my network are independent third parties with their own terms, disclosures, and privacy practices. Commercial-property financing is arranged through third-party lenders and carries the lender's own disclosures.
No advance fees
You are never charged a fee by Urrutia Advisory before financing is in place. Urrutia Advisory does not assess, collect, or solicit advance fees from applicants.
Limitation of liability
To the fullest extent permitted by law, Urrutia Advisory is not liable for the actions, terms, decisions, or omissions of any lender, or for any outcome of a financing you pursue. The site is provided "as is" without warranties of any kind.
Governing law
These terms are governed by the laws of the State of Florida. Any dispute will be handled in the courts located in Florida.
Changes
I may update these terms from time to time. Continued use of the site means you accept the current version.
Questions about this policy? Contact me at the email address listed in the footer below. Last updated: September 2026.