Terms of Use - Vault Financial
Welcome to the website of Vault Financial ("Vault Financial," "we," "us," or "our"). These Terms of Use govern your access to and use of this website, its content, forms, tools, communications, and related services (collectively, the "Site").
By accessing or using the Site, submitting information through the Site, or communicating with us through the Site, you agree to these Terms of Use. If you do not agree, please do not use the Site.
Website Information
The information provided on this Site is intended for general informational purposes only. It is not an offer to extend credit, a commitment to lend, or a guarantee of any loan product, loan amount, rate, term, approval, or closing.
Mortgage loan terms, interest rates, annual percentage rates, fees, program availability, underwriting requirements, and eligibility standards may change without notice. Any loan application is subject to applicable laws, investor and program requirements, appraisal, title review, income and asset verification, credit approval, and other underwriting conditions.
Nothing on this Site should be construed as legal, tax, financial, insurance, or investment advice. You should consult qualified professional advisers regarding your individual circumstances.
No Commitment to Lend
Submitting a form, requesting information, using a calculator, communicating with Vault Financial, or receiving a preliminary estimate does not constitute a loan application, loan approval, loan commitment, or agreement to provide financing.
A formal mortgage application and all applicable disclosures will be provided as required by law when appropriate. Any lending decision is made only after review of a completed application and supporting documentation under applicable underwriting guidelines.
Text Messaging and SMS Terms
By providing your mobile telephone number and affirmatively opting in to receive text messages from Vault Financial, you agree to receive SMS and/or MMS messages from us relating to our mortgage services and your interactions with us.
Program Description
Our text-message program provides account notifications and customer-care communications, including, for example:
- Loan status updates
- Appointment reminders
- Responses to inquiries
- Requests for information or documents
- Application and transaction-related updates
- General customer-service communications
Message frequency varies. Message and data rates may apply. Your mobile carrier may charge you for messages sent or received, depending on your wireless plan. Vault Financial is not responsible for any charges imposed by your mobile carrier.
Opting Out
You may opt out of text-message communications at any time by replying: STOP. After you reply STOP, you may receive a one-time confirmation message that your opt-out request has been processed. You will no longer receive recurring SMS messages from that messaging program unless you subsequently opt in again.
Help and Support
For help with our text-message program, reply: HELP.
You may also contact us at info@vfmortgage.com or call (951) 208-6933.
Consent Is Not Required for Purchase
Your consent to receive text messages from Vault Financial is not a condition of purchasing any goods or services. You may contact us through other available methods, including by telephone or email, if you prefer not to receive text messages.
Mobile Carrier Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. Delivery of messages may depend on your mobile carrier, wireless-network availability, device compatibility, and other factors outside of Vault Financial's control.
Privacy and Information Security
Please review our Privacy Policy to understand how Vault Financial may collect, use, maintain, and protect personal information submitted through the Site.
While we use reasonable administrative, technical, and physical safeguards designed to protect information, no website, electronic transmission, or storage system can be guaranteed to be completely secure. You should not send highly sensitive personal information through unencrypted email or any channel that we have not specifically designated as secure.
Permitted Use
You may use the Site only for lawful, personal, and non-commercial purposes related to learning about or requesting information concerning Vault Financial.
You agree not to:
- Use the Site in violation of any applicable law or regulation
- Submit false, misleading, incomplete, or fraudulent information
- Attempt to gain unauthorized access to the Site, its systems, or another user's information
- Introduce viruses, malware, or other harmful code
- Interfere with the Site's operation, security, or accessibility
- Copy, reproduce, distribute, modify, or exploit Site content without written permission
- Use automated tools, bots, scraping tools, or data-mining methods without our written consent
Intellectual Property
The Site and its content - including text, graphics, logos, designs, photographs, documents, calculators, software, and other materials - are owned by or licensed to Vault Financial and are protected by applicable intellectual-property laws.
Except as expressly permitted in these Terms of Use, you may not use, reproduce, distribute, display, modify, create derivative works from, or commercially exploit any Site content without Vault Financial's prior written consent.
Third-Party Links and Services
The Site may contain links to third-party websites, tools, services, or resources for your convenience. Vault Financial does not control, endorse, or assume responsibility for the content, privacy practices, availability, accuracy, or security of third-party websites or services. Your use of third-party sites is subject to their own terms, policies, and practices.
Disclaimer of Warranties
The Site and all content, services, and materials made available through it are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Vault Financial disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and security.
Vault Financial does not warrant that the Site will be uninterrupted, error-free, secure, free of harmful components, or that information on the Site will always be current, complete, or accurate.
Limitation of Liability
To the fullest extent permitted by applicable law, Vault Financial and its owners, officers, employees, agents, affiliates, service providers, and licensors will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of, inability to use, or reliance on the Site or its content.
Indemnification
You agree to indemnify, defend, and hold harmless Vault Financial and its owners, officers, employees, agents, affiliates, and service providers from and against claims, liabilities, damages, losses, costs, and expenses - including reasonable attorneys' fees - arising out of or related to your violation of these Terms of Use, misuse of the Site, or violation of any law or third-party right.
Changes to These Terms
Vault Financial may update or revise these Terms of Use from time to time. Any changes will become effective when posted on this Site unless otherwise stated. Your continued use of the Site after updated Terms are posted constitutes your acceptance of those changes.
Governing Law
These Terms of Use are governed by the laws of the State of California, without regard to its conflict-of-law principles, except where federal law or another applicable law controls.
Contact Us
Vault Financial
NMLS #308071
24910 Las Brisas, Suite 119
Murrieta, CA 92562
Phone: (951) 208-6933
Website: https://vfmortgage.com