Terms and Conditions

1.Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of the website located at heloc.vip, together with any related chat, phone, and SMS/text messaging communications (collectively, the "Services"), provided by HELOC.VIP ("HELOC.VIP," "we," "us," or "our"). By accessing the Site, submitting a form, chatting with us, calling us, or replying to a text message from us, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, do not use the Services.

2.Description of Service

HELOC.VIP is a home equity information service. We give homeowners a free equity report estimating their property's value and equity, and a member of our team can call to walk through the report. If, after seeing your report, you expressly ask us to, we will introduce you to one independent, licensed HELOC professional, whom we name to you before sharing anything (a "Licensed HELOC Professional"). We don't share your information until you ask us to, and introductions are never made by text message.

We do not process loan applications, underwrite loans, disburse funds, or make credit decisions. Any loan application, underwriting, approval, or disbursement is handled exclusively by the Licensed HELOC Professional you choose to be introduced to, under that professional's own terms, conditions, and privacy practices.

3.Not a Lender / No Guarantee of Approval or Rates

4.Eligibility

To use the Services, you must:

• Be at least 18 years of age;
• Be a legal resident of the United States;
• Own, co-own, or have a legitimate ownership interest in the residential property you are inquiring about (or be in the process of acquiring such an interest);
• Provide accurate, current, and truthful information; and
• Have the legal capacity to enter into a binding agreement.

We reserve the right to refuse service, decline to make an introduction, or terminate access to the Services for any user who does not meet these eligibility requirements or who we reasonably believe has provided false or misleading information.

5.SMS / Text Messaging Terms

Program name: HELOC.VIP equity report updates. HELOC.VIP texts only people who request an equity report on heloc.vip and check the SMS consent box on the form. The box is unchecked by default and is optional. It reads: "Yes, HELOC.VIP may send me SMS text messages about my equity report, including appointment reminders and status updates (up to 5 msgs/month). Consent is not a condition of purchase. Msg & data rates may apply. Reply STOP to cancel, HELP for help." Giving us a phone number without checking the box does not sign you up for texts.

Texts come only from HELOC.VIP and are limited to your equity report: letting you know it has been sent, confirming or rescheduling a call with our team, and replying when you text us. We do not send marketing texts, and no mobile information or SMS consent is shared with third parties or affiliates for marketing or promotional purposes.

You represent that you are the account holder or authorized user of the mobile number you provide to us, and you agree to notify us if you change or deactivate that number.

6.User Conduct & Accuracy of Information

You agree that you will not:

• Provide false, misleading, or fraudulent information about yourself or a property;
• Use the Services on behalf of another person without their knowledge and consent;
• Use any automated system (bot, scraper, etc.) to access the Site for purposes other than normal human browsing;
• Attempt to interfere with, disrupt, or gain unauthorized access to the Site, our servers, or related systems; or
• Use the Services for any unlawful purpose.

You are solely responsible for the accuracy of the information you provide. Inaccurate information may result in a delayed or inaccurate report, or in a Licensed HELOC Professional declining to offer you a product.

7.Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, the "HELOC.VIP" and "HELOC.VIP" names and marks, button icons, images, audio clips, chat interface designs, and software (collectively, "Content"), is the property of HELOC.VIP or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal, non-commercial use in connection with your equity report. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any Content without our prior written consent.

8.Third-Party Links & Introductions

If you ask us to, we may introduce you to a Licensed HELOC Professional, and the Site may contain links to third-party websites. We do not control and are not responsible for the content, privacy practices, products, or services of any third party. Your interactions with any Licensed HELOC Professional or third-party website are solely between you and that party, and are governed by that party's own terms and privacy policy. We encourage you to review those terms carefully before proceeding.

9.Disclaimers

THE SERVICES AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE DO NOT WARRANT THAT ANY REPORT, ESTIMATE, OR REPRESENTATION MADE THROUGH THE SITE, CHAT, PHONE, OR SMS WILL RESULT IN LOAN APPROVAL OR ANY PARTICULAR RATE OR TERM.

10.Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HELOC.VIP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

11.Indemnification

You agree to defend, indemnify, and hold harmless HELOC.VIP and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any rights of a third party.

12.Governing Law

These Terms and any dispute arising out of or related to them or the Services shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict-of-laws principles. Subject to Section 13 ("Dispute Resolution"), you agree that any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Nevada, and you consent to the personal jurisdiction of such courts.

13.Dispute Resolution

We encourage you to contact us first at legal@heloc.vip or (725) 765-5101 to attempt to resolve any dispute informally. If a dispute cannot be resolved informally within 30 days, both you and HELOC.VIP agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall, to the extent permitted by applicable law, be resolved through good-faith negotiation and, if necessary, through binding arbitration or in the courts specified in Section 12, rather than in a class, collective, or representative action. Nothing in this section limits any right you may have to bring a claim before a small claims court of competent jurisdiction.

14.Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including if we believe you have violated these Terms. You may stop using the Services at any time and may opt out of text messages as described in Section 5. Sections of these Terms that by their nature should survive termination (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution) will survive.

15.Changes to These Terms

We may revise these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. Material changes will be effective upon posting to the Site. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

16.General Provisions

1. Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and HELOC.VIP regarding the Services and supersede any prior agreements.
2. Severability: If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
3. No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.
4. Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
5. Force Majeure: We are not liable for any failure or delay in performance resulting from causes beyond our reasonable control.

17.Contact Us

If you have questions about these Terms, please contact us: