Effective date: July 9, 2026
These Terms of Use ("Terms") govern your use of equityrail.com (the "Site"), operated by EquityRail ("EquityRail," "we," "us"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
EquityRail is a financial-technology company and software platform. EquityRail does not originate, fund, or service loans, does not make credit decisions, and does not offer banking services. Any home equity lines of credit shown in the EquityRail demonstration are presented as they would be originated, funded, and serviced by chartered financial institutions in a production deployment, with each institution setting its own credit criteria, rates, and terms. No such lines are currently offered; all institutions and offers shown are fictional.
Figures shown on this Site — including estimated available equity, rates, and offers — are illustrative estimates based on the information you provide and general market assumptions. They are not offers of credit, commitments to lend, prequalifications, or approvals. Final rates, limits, and terms, if any, are determined solely by a lending institution after full underwriting, property valuation, and verification.
Portions of the Site — including the borrower dashboard, the funding bank console, and the payment gateway — are a product demonstration. The institutions, accounts, balances, transactions, and settlement activity shown there (including "Riverline National Bank," "First Coast Savings," and "Meridian Trust Co.") are fictitious and for illustration only. No real funds move anywhere on this Site, and demo credentials do not create or access a real account.
Content on the Site is for general information only and is not financial, legal, or tax advice. Home equity borrowing places your home at risk if obligations are not met. Consult qualified professionals before making borrowing decisions.
The Site is intended for use by individuals 18 years of age or older located in the United States.
You agree not to misuse the Site — including by submitting false information as if it were real, attempting to probe, disrupt, or gain unauthorized access to the Site or its infrastructure, scraping personal data, or using the Site for any unlawful purpose.
The Site and its content, design, and underlying technology are owned by EquityRail or its licensors and are protected by intellectual-property laws, including a pending U.S. utility patent application (No. 19/253,946). EquityRail™ and the EquityRail logo are trademarks of EquityRail. Visa, Mastercard, Apple Pay, and Google Pay are trademarks of their respective owners. You may not copy, reproduce, or create derivative works from the Site except as permitted by law.
The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, availability, merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by law, EquityRail and its founder, affiliates, and service providers will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of the Site. To the extent any liability cannot be excluded, total liability is limited to one hundred U.S. dollars ($100).
The Site relies on third-party services (such as hosting and form processing) and may link to third-party sites. We are not responsible for third-party services or content.
We may update the Site and these Terms at any time. The effective date above reflects the latest version. Continued use of the Site after changes means you accept the updated Terms.
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes will be resolved in the state or federal courts located in Duval County, Florida.
Questions about these Terms: reach us through the contact page.