Commercial Terms of Service [ GOVERNANCE & B2B DISCLOSURES ]

VESTIX is a commercial loan brokerage and Independent Sales Organization (ISO). VESTIX is not a direct lender, bank, or depository institution. We operate as an intermediary matching business borrowers with third-party institutional lenders, private funds, and financing providers. We do not make credit decisions, issue loan commitments, or guarantee approval or specific loan terms. All loan approvals, rates, fees, and funding terms are established at the sole discretion of the participating lenders.

Our services, website, and commercial financing products are strictly intended for legal business entities, sole proprietorships, and commercial enterprises operating in the United States. They are not intended for personal, family, or household purposes. By submitting an inquiry or application through VESTIX, you certify under penalty of law that all requested financing will be used exclusively for commercial and business activities.

Among our loan products, VESTIX connects businesses with Merchant Cash Advance (MCA) providers and revenue-based financing options. You acknowledge and understand that an MCA is a purchase and sale of future receipts and receivables, not a consumer loan or traditional debt instrument. MCAs do not feature a fixed interest rate or rigid term length; payments fluctuate based on daily or weekly business revenue.

You agree to provide true, accurate, current, and complete financial, corporate, and personal information in connection with any loan application submitted through VESTIX. Credit Authorization: By submitting an inquiry, soft check, or full loan application, you expressly authorize VESTIX and its network of prospective third-party underwriting partners to perform soft and/or hard credit pulls, pull commercial credit reports (Experian, Equifax, TransUnion, PayNet), and verify bank statements, tax returns, and operating history.

By providing your telephone number, mobile number, and email address to VESTIX, you expressly consent to receive communications from VESTIX and its lending partners via phone calls, automated voice messages, text messages (SMS/MMS), and emails for transactional, operational, and marketing purposes. Opt-Out Instructions: Consent is not a condition of receiving loan brokerage services. You may opt out of marketing text messages at any time by replying "STOP" or "UNSUBSCRIBE" to any SMS message, or by emailing legal@vestixus.com with your request.

All website content, trademarks, logos, copy, formulas, calculator engines, and proprietary documentation provided on vestixus.com are the exclusive intellectual property of VESTIX Financial. Unauthorized copying, distribution, reverse engineering, or scraping of any proprietary materials is strictly prohibited without explicit written permission.

To the fullest extent permitted by applicable law, VESTIX, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of our brokerage services, inability to secure financing, lender delays, or lender rejection.

You agree to defend, indemnify, and hold harmless VESTIX, its officers, directors, partners, and employees from and against any claims, liabilities, damages, judgments, losses, costs, or expenses (including reasonable attorneys' fees) arising out of your breach of these Terms, false representations made during financing applications, or violation of third-party lender agreements.

These Terms of Service and any disputes or claims arising out of or in connection with them shall be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any choice or conflict of law provision or rule.

VESTIX reserves the right to modify or replace these Terms of Service at any time. Any changes will become effective immediately upon posting to this page. Your continued use of our website or services following the posting of updated Terms constitutes your acceptance of those changes. Last updated: October 24, 2024.