Terms of Service

1. Acceptance of Terms

By accessing and using the VACA Funding website (vacafunding.com) and our services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

VACA Funding is a financial technology company that connects business owners with alternative lending products including but not limited to merchant cash advances, term loans, lines of credit, debt consolidation, and invoice factoring services. VACA Funding acts as a broker and/or marketplace connecting businesses with third-party funding providers.

3. Eligibility

To use our services, you must be at least 18 years old, legally authorized to operate a business in the United States, and the authorized representative of the business seeking funding. You represent that all information provided to VACA Funding is accurate, complete, and truthful.

4. Application Process

Submitting an application through our website does not guarantee approval for funding. All applications are subject to review, verification, and approval by VACA Funding and/or our third-party funding partners. We reserve the right to decline any application for any reason.

5. Privacy and Data Collection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

6. Communications Consent

By submitting your contact information through our website, you consent to receive communications from VACA Funding via phone, email, and text message regarding your application and our services. You may opt out of communications at any time by contacting us or replying STOP to any text message.

7. Intellectual Property

All content on the VACA Funding website, including text, graphics, logos, images, and software, is the property of VACA Funding or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

8. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. VACA Funding does not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, VACA Funding shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

11. Changes to Terms

VACA Funding reserves the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of our website after changes constitutes acceptance of the revised terms.

12. Contact Information

If you have questions about these Terms of Service, please contact us at info@vacafunding.com or call (419) 845-6704.