Legal

Terms & Conditions

Real Estate and Lending, Simplified™ · DBA BirdEye Loans

Last updated: June 5, 2026

1. About Us

This website is operated by John Abril, a dual-licensed California Real Estate Broker and Mortgage Broker: CA DRE #01060119 (Broker) · MLO NMLS #280222. Real Estate and Lending, Simplified — DBA BirdEye Loans (CA DRE #02439951 · Co. NMLS #2827760). BirdEye Loans, Inc. (CA DRE #01527337 · Co. NMLS #1846010) through 09/13/2026. Broker Associate — REAL Brokerage (Real Brokerage Technologies, Inc., CA DRE #02022092) / MAD Realty Co. Office: 1814 Lakewood Ave, Upland, CA 91784 · (909) 635-5813 · john@birdeyeloans.com.

2. SMS / Text Message Program

Program: Real Estate and Lending, Simplified — Lead Follow-Up & Client Communications, operated by John Abril / Real Estate and Lending, Simplified (DBA BirdEye Loans), sent from (909) 298-1501.

By providing your mobile number and checking the consent box on our forms, you agree to receive recurring SMS text messages, which may include: an initial response to your real estate or mortgage inquiry; property information, market updates, and listing alerts relevant to your search; appointment confirmations and reminders; and loan-status and mortgage-related updates. Message frequency varies (up to about 10 messages per month during an active transaction). Message and data rates may apply depending on your mobile carrier plan; John Abril and Real Estate and Lending, Simplified do not charge for SMS communications. Consent to receive text messages is not a condition of any purchase or loan.

3. How to Opt Out & Get Help

You may stop messages at any time by replying STOP to any text (we will send one final confirmation). Reply HELP for assistance, or contact us at (909) 635-5813 or john@birdeyeloans.com. Opting out of SMS will not affect your ability to use our real estate or mortgage services.

4. Privacy & Mobile Information

We respect your privacy. We do not sell, rent, or share your personal information with third parties for their marketing purposes, and no mobile information will be shared with third parties or affiliates for marketing or promotional purposes at any time. Information may be shared only with parties involved in your transaction (such as processors, escrow, and title) and with service providers who support our operations, or as required by law. See our Privacy Policy for full details.

5. Website Use & No Advice

This website is provided for general informational purposes. Nothing on it constitutes legal, tax, financial, or investment advice. Mortgage rates, loan terms, and property information are subject to change without notice and do not constitute a commitment to lend or a guarantee of loan approval. All loans are subject to credit approval, underwriting, appraisal, and program guidelines.

6. Intellectual Property

All content on this website belongs to John Abril and Real Estate and Lending, Simplified unless otherwise noted. Unauthorized reproduction or use is prohibited.

7. Limitation of Liability

To the maximum extent permitted by applicable law, John Abril and Real Estate and Lending, Simplified shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on information contained herein. The site is provided “as is” without warranties of any kind.

8. California Consumer Privacy Rights

California residents may request information about collected data, deletion, and opt-out options, and may opt out of any sale of personal data (we do not sell personal data). Contact john@birdeyeloans.com or (909) 635-5813.

9. Equal Housing & Lending

John Abril and Real Estate and Lending, Simplified are committed to the Fair Housing Act, the California Fair Employment and Housing Act, and the Equal Credit Opportunity Act, and do not discriminate on the basis of any class protected by federal or California law. Equal Housing Opportunity / Equal Housing Lender.

10. Regulatory Disclosures

John Abril holds California licenses DRE #01060119 and NMLS #280222. Real Estate and Lending, Simplified DBA BirdEye Loans: CA DRE #02439951 · Co. NMLS #2827760. BirdEye Loans, Inc.: CA DRE #01527337 · Co. NMLS #1846010 (through 09/13/2026). Verify at www.nmlsconsumeraccess.org and www.dre.ca.gov.

11. Changes to These Terms

We may update these Terms at any time. The date at the top reflects the latest revision. Continued use of this website, or continued receipt of SMS communications after changes are posted, constitutes acceptance of the updated terms.

12. Governing Law

These Terms are governed by the laws of the State of California. Any disputes shall be subject to the jurisdiction of the courts of San Bernardino County, California.

13. Contact Us

John Abril — Real Estate and Lending, Simplified™ · 1814 Lakewood Ave, Upland, CA 91784 · (909) 635-5813 · john@birdeyeloans.com · uplandrealsimplified.com. This is not a commitment to lend; all loans subject to credit approval, underwriting, appraisal, and program guidelines.

This policy is provided for transparency and compliance; for legal questions specific to your situation, please consult your own advisor. We may update it from time to time — the date above reflects the latest revision.