Terms of Service

Effective date: July 22, 2026

These Terms of Service (“Terms”) govern your use of the website and borrower portal operated by Ascension Capital (“we,” “us,” or “our”). By using the site or portal, you agree to these Terms.

1. Relationship to your land contract

The portal is a servicing tool. Your rights and obligations regarding the land you are purchasing — including payment amounts, due dates, interest, late charges, default, and conveyance of title — are governed by your signed land contract and related loan documents. If these Terms conflict with your contract, the contract controls.

2. Your account

Portal access is provided to borrowers on notes we service. You sign in with a one-time code sent to the phone number or email address on file. You are responsible for keeping that phone number and email address current and for not sharing sign-in codes. Notify us immediately if you believe your account has been accessed without authorization.

3. Payments

The portal lets you make payments by bank transfer (ACH) or payment card, processed by Stripe. By submitting a payment, you authorize us and our payment processor to debit the designated account or card for the amount you approve. If you enroll in automatic payments, you authorize recurring debits of your scheduled payment amount on or about each scheduled date until you cancel enrollment in the portal or by contacting us; cancellation must occur reasonably in advance of the next scheduled debit to take effect for that payment. A payment returned unpaid (for example, for insufficient funds) may be treated as not made and may incur charges as provided in your contract and by law.

4. Communications

By providing your phone number, you consent to receive sign-in code text messages and account servicing messages at that number. Message and data rates may apply. By providing your email address, you consent to receive account statements, receipts, and servicing notices electronically. You may request paper copies by contacting us.

5. Accuracy of information

We work to keep balances, payment histories, and payoff figures in the portal accurate and current. Figures shown in the portal are provided for convenience; official balances and payoff amounts are determined by your loan documents and our servicing records. If you believe a figure is wrong, contact us and we will research it.

6. Acceptable use

You agree not to use the site or portal to attempt unauthorized access to accounts or systems, interfere with the service’s operation, or use it for any unlawful purpose. We may suspend portal access to protect the service or investigate misuse; suspension of portal access does not change your payment obligations under your contract.

7. Disclaimers and limitation of liability

The site and portal are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement with respect to the site and portal, and we are not liable for indirect, incidental, or consequential damages arising from their use. Nothing in these Terms limits rights you have under your land contract or under applicable law that cannot be waived.

8. Governing law

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law rules. Venue for disputes concerning the site or portal lies in the state or federal courts located in Oklahoma County, Oklahoma, unless your land contract provides otherwise.

9. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted on this page with a new effective date. Continued use of the site or portal after changes take effect constitutes acceptance of the updated Terms.

10. Contact

Ascension Capital, 3020 E Britton Rd, Oklahoma City, OK 73131 · +1 (405) 762-2062 · payments@theascensioncapital.com.