Terms of Use

Effective date: July 11, 2026.

This website is operated by Castle Rock Capital Management LLC, doing business as The Mad Lender. By using the site you accept these terms.

Informational content only

The content of this site is general information about private lending, note investing, and our consulting practice. It is not legal advice, tax advice, or investment advice, and it is not a recommendation on any specific loan, note, or investment. Reading this site does not create a client relationship.

Engagements

Consulting services are provided only under a written engagement agreement signed by both parties, and that agreement governs the services, fees, and responsibilities of each party. Nothing on this site modifies an engagement agreement.

No guarantee of outcomes

Private lending and note investing carry risk of loss, including loss of principal. Our engagements produce professional credit opinions based on the information made available to us. No underwriting eliminates risk completely, and no review guarantees that a loan will perform, that all issues will be identified, or that any particular result will occur. You remain solely responsible for your lending and investment decisions.

Limitation of liability and hold harmless

To the fullest extent permitted by law, Castle Rock Capital Management LLC, The Mad Lender, and their principals and personnel are not liable for losses arising from your use of this site or from lending or investment decisions you make, including losses on loans or notes that were the subject of a review, whether from items not identified in a review or from later borrower default, and you agree to hold them harmless from such losses. For paid engagements, any liability terms in the signed engagement agreement control.

Intellectual property

The content of this site and of our reports, templates, and materials belongs to us. Engagement deliverables are for the client’s own use and are not to be republished or resold.

Governing law

These terms are governed by the laws of the State of Florida. Questions: dsmith@castlerockcc.com.

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