Effective Date: November 03, 2025
Welcome to VA Lending Group ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website [valendinggroup.com], mobile app, and services (collectively, the "Services"), including loan consultations, applications, and related resources. By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.
1. Eligibility
You must be at least 18 years old and eligible for VA benefits (e.g., active-duty service members, veterans, or eligible spouses) to apply for services. By using the Services, you represent that you meet these requirements and have the legal capacity to enter into these Terms and any loan agreements.
2. User Accounts
To access certain features, such as loan applications, you may need to create an account. You agree to provide accurate, complete information, including financial details, and keep it updated.
You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately of any unauthorized use.
We reserve the right to suspend or terminate accounts for violations of these Terms, fraud, or ineligibility under VA guidelines.
3. Use of Services
Permitted Use: You may use the Services only for lawful purposes related to VA lending inquiries and in accordance with these Terms. You agree not to: Violate any applicable laws, including VA regulations or financial disclosure rules. Provide false information in applications. Transmit harmful code (e.g., viruses, malware). Engage in harassment, spam, or abusive behavior. Attempt to gain unauthorized access to our systems or client data.
Content You Submit: Any content you post, upload, or share (e.g., documents, inquiries) is your responsibility. You grant us a worldwide, royalty-free license to use, display, and distribute it as needed to process your application. We may remove content that violates these Terms.
4. Loan Applications and Fees (If Applicable)
All fees (e.g., application or consultation fees) are in USD and exclude taxes unless stated otherwise.
Applications are subject to VA eligibility verification, credit checks (with your consent), and approval. We reserve the right to refuse or cancel applications.
Loan terms, rates, and approvals are provided for informational purposes and are not guarantees. We are not liable for changes in rates or denials.
Refunds: [Specify Policy, e.g., Application fees are non-refundable after processing begins; full refund within 24 hours of submission if requested].
5. Intellectual Property
All content on the Services (e.g., text, images, loan calculators) is owned by us or our licensors and protected by copyright, trademark, and other laws.
You may not copy, modify, or distribute our content without written permission. Educational resources may be shared for personal, non-commercial use.
6. Disclaimers and Limitations of Liability
AS IS Basis: The Services are provided "as is" without warranties of any kind, express or implied. Loan estimates are not binding and subject to change.
Financial Disclaimer: We provide general information only and do not offer personalized financial advice. Consult a licensed advisor for your situation.
Limitation of Liability: To the fullest extent permitted by law, we shall not be liable for indirect, incidental, or consequential damages (e.g., lost opportunities, financial losses). Our total liability shall not exceed the amount you paid us in the past 12 months.
We are not responsible for user-generated content or third-party links/sites (e.g., VA.gov).
7. Termination
We may terminate or suspend your access to the Services at any time, with or without notice, for any reason (e.g., violation of Terms, VA ineligibility). Upon termination, your right to use the Services ends immediately, and any pending applications may be canceled.
8. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of [Your State, e.g., Texas], USA, without regard to conflict of laws principles. Any disputes shall be resolved exclusively in the courts of [Your Jurisdiction, e.g., Travis County, Texas]. We encourage informal resolution first; contact us at [Your Email]. For loan-related disputes, you may also contact the CFPB.
9. Changes to Terms
We may update these Terms at any time. We'll notify you via email or on the Services. Continued use after changes constitutes acceptance.
10. Contact Us
Questions? Reach us at [Your Email, e.g., [email protected]] or [Your Address].
By using the Services, you acknowledge that you have read, understood, and agree to these Terms.
Privacy Policy
Effective Date: November 03, 2025
At VA Lending Group, we respect your privacy and are committed to protecting your sensitive financial information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website [valendinggroup.com], mobile app, and services (collectively, the "Services"). By using the Services, you consent to these practices. We comply with applicable laws, including the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and VA privacy standards.
1. Information We Collect
We collect:
Personal Information: Name, contact details, Social Security number, military service records, income/financial data, credit history (with consent for pulls).
Usage Data: IP address, browser type, pages visited, time/date of access (via cookies/analytics tools like Google Analytics).
Communication Data: Info from emails, support tickets, or loan consultations.
We collect sensitive financial data only as necessary for loan processing and with your explicit consent.
2. How We Use Your Information
We use your information to:
Provide and improve the Services (e.g., process loan applications, verify VA eligibility).
Communicate with you (e.g., status updates, pre-approvals—opt-out anytime).
Perform credit checks and risk assessments (with consent).
Analyze usage for business purposes (e.g., trends, fraud detection, security).
Comply with legal obligations (e.g., VA reporting, tax/audit requirements).
3. How We Share Your Information
We share information only as needed and under strict confidentiality:
Service Providers: With trusted third parties (e.g., credit bureaus like Equifax, VA systems, payment processors) bound by agreements.
Legal Requirements: If required by law, subpoena, VA audits, or to protect our rights/safety/fraud prevention.
Business Transfers: In case of merger, acquisition, or sale of assets (with notice where required). We do not sell your personal information to third parties. Sharing for loan processing is limited to what's necessary.
4. Cookies and Tracking Technologies
We use cookies for functionality, analytics, and secure sessions. You can manage preferences via your browser settings. For more, see our Cookie Policy [link if separate]. We do not use tracking for targeted advertising without consent.
5. Data Security
We implement robust security measures (e.g., encryption, firewalls, access controls, regular audits) to protect your data, especially sensitive financial information. However, no system is 100% secure—transmissions over the internet carry risks. We notify affected individuals in the event of a breach as required by law.
6. Your Rights and Choices
Access/Update/Delete: Contact us to request your data, corrections, or deletion (subject to legal retention requirements, e.g., 7 years for loan records).
Opt-Out: Unsubscribe from emails; withdraw consent for credit pulls.
US Consumers: Under FCRA, you have rights regarding credit reports. Under CCPA (if applicable), right to know, delete, or opt-out of sales (we don't sell data).
Data Retention: We retain data only as long as necessary (e.g., during active applications) or required by law.
7. Children's Privacy
Our Services are not directed at children under 18. We do not knowingly collect their data. If we learn we have, we'll delete it promptly.
8. International Transfers
Our Services are primarily for US residents. If data is transferred internationally (e.g., to cloud providers), we ensure protections like those under the Privacy Shield or Standard Contractual Clauses.
9. Changes to This Policy
We'll notify you of material changes via email or on the Services. Continued use constitutes acceptance.
10. Contact Us
For privacy questions, email [email protected] or contact our Privacy Officer.
Thank you for trusting VA Lending Group!