Updated: 10/07/2024
TERMS AND CONDITIONS OF AGREEMENT FOR USE OF WEBSITE BETWEEN USER & V.I.P. MORTGAGE, INC.
V.I.P. Mortgage, Inc., along with and on behalf of its subsidiary and affiliated companies (collectively “V.I.P. Mortgage, Inc.”) operates this website (the “Site”). This terms and conditions agreement (this “Agreement”) governs your use of the Site.
By accessing or using the Site, you agree to be bound by this Agreement and, if applicable, such other terms and conditions or similar agreements with V.I.P. Mortgage, Inc. that may be necessary for V.I.P. Mortgage, Inc. to provide you access to certain products and services. V.I.P. Mortgage, Inc. provides information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms of this Agreement. Your use of the Site constitutes your agreement to the terms of this Agreement.
IF YOU DO NOT WISH TO BE BOUND BY THE TERMS OF THIS AGREEMENT, YOU ARE NOT PERMITTED TO USE OR ACCESS THIS SITE.
The information displayed on this Site is not a substitute for actual legal or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Site are provided with the understanding that V.I.P. Mortgage, Inc. is not engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.
V.I.P. Mortgage, Inc. and its agents assume no responsibility for any consequences relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. V.I.P. Mortgage, Inc. does not guarantee or represent or warrant that the material and information displayed is accurate or the most recent information available. V.I.P. Mortgage, Inc. does not guarantee that all opinions expressed or implied are accurate or reliable. The law as applied to a loan applicant’s situation is always unique, and your situation needs to be individually analyzed. V.I.P. Mortgage, Inc. cannot guarantee, and will not be responsible for, any damage or losses arising from or related to the accuracy, completeness or timeliness of the information presented or its application in your situation
UNLAWFUL OR PROHIBITED USES PROHIBITED
As a condition of your use of this Site, you warrant to V.I.P. Mortgage, Inc. that you will not use this Site for any purpose that is unlawful under the laws of the United States of America or any federal or local jurisdiction within that country, or which is otherwise prohibited by this Agreement. If you violate any of the terms of this Agreement, you are immediately prohibited from further use of the Site.
PROHIBITED USES
Except as set forth herein, you are not authorized to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, use on any other website, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. If and when requested by V.I.P. Mortgage, Inc., you agree to provide true, accurate and complete information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Unauthorized individuals attempting to access prohibited areas of this Site will be held accountable and may be subject to prosecution.
You agree not to use any robot, bot, spider, other automatic device, or manual process to monitor or copy content displayed on the Site or its underlying code without V.I.P. Mortgage, Inc.’s prior express consent. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.
You agree that V.I.P. Mortgage, Inc. may terminate your password, user account, or other use of the Site for any reason, at its sole discretion. All notices to V.I.P. Mortgage, Inc. must be in writing and shall be made via e-mail or conventional mail unless otherwise specified. Additionally, V.I.P. Mortgage, Inc. may post notices or links to notices on the Site to inform of changes to these Terms and Conditions or other important matters.
Additionally, you shall not directly or indirectly:
- Decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive source code or algorithms of any part of the Site (except where legally permitted);
- Modify, translate, or create derivative works of any part of the Site;
- Copy, rent, lease, distribute, or otherwise transfer any of your rights under this Agreement.
You must abide by all applicable local, state, national, and international laws and regulations.
CODE OF CONDUCT
Prohibited use of the Site includes, but is not limited to:
- Uploading or transmitting any content that is unlawful, obscene, harmful, hateful, invasive of privacy, pornographic, or otherwise objectionable;
- Sharing materials that invade someone else’s privacy without their consent;
- Submitting false, defamatory, or harassing content;
- Providing misleading or inaccurate content;
- Infringing on copyrights, patents, trademarks, or other proprietary rights;
- Transmitting viruses or malicious code;
- Artificially generating traffic or backlinks;
- Disabling or impairing the Site or its users’ experience;
- Attempting to gain unauthorized access to materials or data;
- Violating any applicable law or regulation.
V.I.P. Mortgage, Inc. reserves the right to enforce these rules but does not assume responsibility for monitoring the Site for violations. If you witness a violation, contact V.I.P. Mortgage, Inc. using the contact details below.
PRIVACY
V.I.P. Mortgage, Inc.’s Privacy Policy is incorporated into this Agreement by reference. You can view it at:
https://vipmtginc.com/privacy-policy/
If there is a conflict between these Terms and the Privacy Policy, the Privacy Policy controls.
PROPRIETARY RIGHTS
All content on this Site—including text, graphics, layout, logos, and software—is owned or licensed by V.I.P. Mortgage, Inc. and protected under U.S. and international intellectual property laws.
You may not reproduce, distribute, display, publish, or use the content for commercial purposes without written permission from V.I.P. Mortgage, Inc.
LINKS TO THIRD-PARTY WEBSITES
This Site may include links to third-party websites. V.I.P. Mortgage, Inc. does not control or endorse any third-party content and is not responsible for your interactions with such websites. Use them at your own risk.
INDEMNIFICATION
You agree to defend, indemnify, and hold harmless V.I.P. Mortgage, Inc. and its employees, affiliates, contractors, and agents from any claims or expenses, including legal fees, arising from:
- Your use or misuse of the Site;
- Violation of this Agreement;
- Infringement of third-party rights.
V.I.P. Mortgage, Inc. may assume exclusive defense of any claim and you agree to cooperate.
LIMITATION OF LIABILITY
You use this Site at your own risk.
V.I.P. Mortgage, Inc. disclaims all liability for damages of any kind arising from the use of this Site, including but not limited to:
- Direct, indirect, incidental, punitive, or special damages;
- Losses caused by viruses or harmful components.
The Site is provided “as is” and “as available” without warranties of any kind.
MISCELLANEOUS
This Agreement is governed by the laws of the State of Arizona and the United States. Legal actions must be filed within one (1) year of the issue and brought exclusively in a federal district court.
If any provision is found invalid, the rest remain enforceable.
Section headings are for reference only.
Failure by V.I.P. Mortgage, Inc. to enforce any part of this Agreement is not a waiver of its rights.
NO MINOR USE
This Site is only for users aged 18 and over. Use by anyone under 18 is prohibited.
ASSIGNMENT
You may not assign your rights or account to anyone else.
V.I.P. Mortgage, Inc. may assign this Agreement without your consent.
CONTACT METHODS AND OPT-OUTS
By submitting your contact information, you consent to be contacted by V.I.P. Mortgage, Inc. via:
- Phone (including recorded and auto-dialed calls)
- Text message
- Fax
- Any other method
This applies even if you’re on a “Do Not Call” list.
To opt out:
- Call us toll-free at 800-680-8799
- Email us at marketing@vipmtginc.com
We will attempt to process your request immediately, but it may take up to 10 days.
Text message users:
- Message frequency may vary
- Message and data rates may apply
- Text HELP for help
- Text STOP to unsubscribe
- Carriers are not liable for delays or undelivered messages
MODIFICATIONS OF THIS AGREEMENT
V.I.P. Mortgage, Inc. reserves the right to change these Terms and Conditions at any time by posting the updated version on the Site. Changes are effective as of posting. Continued use of the Site constitutes your acceptance of any changes.