Terms of Service

You must be at least 18 years of age and a legal resident of the United States to use DIG. By accepting these Terms, you represent that the information you provide is accurate, that you have authority to enter binding agreements, and that you are not on any sanctions list maintained by the U.S. Government.

The platform comprises this website, the DIG customer portal, and any associated mobile applications. We use the platform to publish property listings, intake interest forms, collect documents, originate owner-finance agreements, accept payments, and communicate with you.

Every listing on DIG undergoes title verification at Dallas County Records before publication. We make reasonable efforts to keep details (price, acreage, utilities) accurate but do not warrant that listings are error-free. Final terms are set in writing at signing.

• Photographs are representative; actual conditions may vary.

• Acreage is from the recorded plat; survey at signing is the legal record.

• Utility availability (“at lot”) means an active connection point at the property line, not in-home service.

Where DIG finances a purchase directly, the agreement is governed by Texas Property Code Chapter 5 (Subchapter D — Executory Contracts). You will receive, before signing:

• A 7-day pre-execution disclosure with all fees, APR, and total cost.

• A title-verification report.

• A schedule of all payments through the loan term.

DIG is registered as a Texas Owner-Finance Mortgage Lender (NMLS #2034581). All originations comply with the Texas SAFE Act and TILA-RESPA Integrated Disclosure (TRID) where applicable.

Deposits are held by our escrow partner, Independent Title Trust LLC, in a segregated client trust account at a Texas-chartered bank. Your funds are not commingled with DIG operating funds. Funds are released to the seller only upon successful closing and title transfer.

Monthly payments are debited per your authorization on the schedule established at signing. Missed payments incur a 5% late fee after a 10-calendar-day grace period. Default — defined as 60+ days past due — triggers our standard cure procedure:

• Day 1 of default. Written notice with cure amount and 30-day cure window.

• Day 30 (still in default). Forbearance plan offered; we will discuss reduced payments, deferral, or restructure.

• Day 60+. Foreclosure proceedings initiated per Texas Property Code §51.002 only as a last resort.

You may cancel any signed financing agreement within 7 calendar days of signing for a full refund of deposit and any prepaid amounts, no questions asked. To cancel, email cancel@dinvestgroup.com from the email address on your account. The right to cool off is non-waivable and complies with Texas Finance Code §347.

You are responsible for keeping your password confidential and for all activity under your account. We require two-factor authentication on accounts with payment authority. Treatment of personal data is governed by our Privacy Policy.

You may not use DIG to misrepresent your identity, submit fraudulent income or identity documents, attempt to access another person's account, scrape or copy listings without written permission, or use the platform for any purpose that violates U.S. or Texas law.

The platform is provided “as is.” DIG's liability for any claim arising out of these Terms or your use of the platform is limited to the greater of (a) fees you have paid DIG in the 12 months before the claim, or (b) $500. Nothing in these Terms limits liability for fraud, gross negligence, or willful misconduct.

Disputes are governed by Texas law and resolved exclusively by binding arbitration in Dallas County, Texas, under the rules of the American Arbitration Association. Either party may seek injunctive relief in a Texas state court for intellectual property or confidentiality matters. Class actions are waived to the fullest extent permitted by law.

We may update these Terms with at least 30 days' notice. Continued use after the effective date constitutes acceptance. Questions? Email legal@dinvestgroup.com or write to Dispensation Investment Group, 1500 Marilla St., Suite 200, Dallas, TX 75201.