Effective Date: 03/30/2026
Last Updated: 03/30/2026
Company: VISIONARY FINANCE SYSTEMS INC
These Terms and Conditions of Service (the “Terms”) govern your access to and use of the website, forms, communications, and services offered by VISIONARY FINANCE SYSTEMS INC (“Visionary,” “Company,” “we,” “our,” or “us”). By accessing our website, submitting a form, requesting information, engaging our services, checking an acceptance box, uploading documents, making a payment, or otherwise using our services, you agree to be bound by these Terms.
If you do not agree to these Terms, do not use our website or services.
VISIONARY FINANCE SYSTEMS INC provides document assistance, administrative support, application guidance, file organization, intake support, and related non-lending support services.
Unless expressly stated in a separate written agreement signed by the Company, VISIONARY FINANCE SYSTEMS INC is not acting as:
The Company does not issue loans, extend credit, approve financing, make underwriting decisions, negotiate interest rates or repayment terms, guarantee approvals, or control the outcome of any decision made by a financial institution or third-party provider.
You understand and agree that:
Any estimate, opinion, or general guidance provided by the Company is for informational and administrative support purposes only and shall not be interpreted as a promise of approval or a representation of final lender action.
By using our services, you represent and warrant that:
If you are acting on behalf of another person or entity, you represent that you have full authority to do so.
You are solely responsible for the truthfulness, legality, completeness, accuracy, and timeliness of all information, statements, forms, and documents submitted to the Company.
You agree not to submit false, misleading, incomplete, forged, altered, manipulated, stolen, unauthorized, or fraudulent information or documents.
You understand that any omission, inconsistency, inaccuracy, or false statement may negatively affect your application, cause delays, result in denial by a third party, expose you to legal consequences, and cause the Company to suspend or terminate services.
The Company may rely on the information and documents you provide without independently verifying every detail unless the Company elects to request additional verification.
By submitting information, forms, messages, and documents to the Company, you authorize VISIONARY FINANCE SYSTEMS INC to review, organize, process, store, transmit, and use such materials strictly as reasonably necessary to:
Where necessary to carry out the requested service, you further authorize the Company to communicate with service providers, platforms, processors, institutions, or other relevant parties involved in the process, to the extent reasonably necessary and permitted by law.
If a requested service involves credit-related information, consumer report information, financial background information, or application-related data, such information shall be used only in connection with the requested service and only as authorized by you or as otherwise permitted by applicable law.
The Company does not represent that it is a consumer reporting agency or financial institution merely because it receives, handles, reviews, or transmits documents or information related to a service request.
You remain solely responsible for reviewing and authorizing any disclosures, consents, acknowledgments, or submissions required by a third-party institution or provider.
By contacting the Company, submitting a form, requesting assistance, or using our services, you authorize VISIONARY FINANCE SYSTEMS INC to contact you regarding your inquiry, file, documents, service status, scheduling, payment, and related administrative matters by email, telephone call, and SMS/text message using the contact information you provide.
Where required by law, marketing or promotional communications will be subject to separate consent. Consent to receive marketing communications is not a condition of purchase.
You are responsible for providing accurate contact information and for updating us if your contact details change. The Company is not responsible for failed or missed communications caused by incorrect contact information, spam filters, inactive numbers, blocked messages, or inaccessible email accounts.
You agree to pay the service fees, administrative charges, processing fees, or other amounts disclosed by the Company before or at the time services are provided, unless otherwise stated in a separate written agreement.
Unless expressly stated otherwise in writing, the Company’s fees are charged for document assistance, administrative work, intake, file handling, consultation time, communications, organization, review, support services, and related operational efforts. Such fees are not contingent on approval, denial, credit amount, interest rate, repayment terms, or funding.
The Company may require full or partial payment in advance. The Company reserves the right to suspend, delay, or refuse services for non-payment, partial payment, reversed payment, disputed payment, or suspected payment fraud.
You authorize the Company and its payment processors to charge the payment method you provide for authorized fees and charges connected to the requested service.
Because the Company’s services involve time, file intake, document handling, administrative work, review, communication, operational costs, and reserved resources, fees may become earned once work begins, even if your matter is not completed or a third-party institution denies your application.
Unless otherwise required by law or expressly agreed in writing:
If the Company chooses to issue a refund or partial refund, such refund shall be discretionary unless otherwise required by law.
If you cancel after the Company has opened your file, reviewed materials, communicated regarding your matter, or begun administrative work, the Company may retain fees already earned and may charge or retain a reasonable administrative processing fee to cover time, labor, file handling, and operational resources already committed, to the extent permitted by law.
Optional fixed fee language:
If the Client elects not to proceed after the Company has begun administrative support, the Company may charge or retain an administrative processing fee of $50.00, or such other amount as disclosed in writing, to cover time and operational costs already incurred, to the extent permitted by law.
The Company reserves the right to request additional verification, original documents, supplemental records, or clarification at any time.
If the Company reasonably suspects fraud, impersonation, identity inconsistency, altered documents, forged documents, manipulated records, unauthorized submissions, payment fraud, misrepresentation, or other suspicious activity, the Company may, without liability and to the extent permitted by law:
You remain solely responsible for the consequences of false, altered, unauthorized, or misleading information or documentation.
The Company reserves the right, in its sole discretion and to the extent permitted by law, to refuse service, pause work, limit access, or terminate service at any time if:
Termination or refusal of service does not waive the Company’s right to collect amounts already owed or fees already earned.
The Company does not provide legal advice, tax advice, accounting advice, investment advice, licensed financial advice, or credit repair services unless expressly stated in a separate written agreement.
Any information provided through the website, forms, messages, consultations, calls, or communications is for general informational, administrative, and support purposes only and should not be relied upon as legal, tax, financial, underwriting, or credit repair advice.
You should consult your attorney, accountant, tax professional, or licensed financial professional regarding your particular circumstances.
The Company may use or rely on third-party service providers, software, CRM platforms, website tools, cloud storage providers, payment processors, communication tools, hosting services, e-signature tools, file management systems, and other vendors in connection with the services.
The Company is not responsible for the acts, omissions, decisions, requirements, downtime, delays, denials, outages, data handling practices, or security failures of third-party institutions, lenders, processors, platforms, or service providers that are not under the Company’s direct control.
You understand that third-party institutions may independently require additional documentation, authorizations, verifications, interviews, disclosures, or conditions.
Your use of the website and services is also subject to the Company’s Privacy Policy, which is incorporated into these Terms by reference.
By using the services, you acknowledge that you have reviewed the Privacy Policy and understand that the Company may collect, store, review, process, transmit, retain, and disclose information as described in that policy and as otherwise permitted by law.
The Company uses commercially reasonable administrative, technical, organizational, and physical safeguards designed to protect information in its possession.
However, no website, network, cloud service, server, platform, payment system, or transmission method can be guaranteed to be completely secure. You understand and agree that the Company does not warrant or guarantee absolute security and that unauthorized access, cyber incidents, phishing, malware, interception, data loss, corruption, platform outages, or other disruptions may occur despite reasonable safeguards.
To the fullest extent permitted by law, the Company disclaims liability for third-party cyber events, unauthorized access, platform failures, or data incidents not caused by the Company’s willful misconduct or as otherwise prohibited by law.
You agree that checking acceptance boxes, clicking buttons, submitting forms electronically, typing your name, responding affirmatively by electronic means, or otherwise using electronic methods to indicate assent may constitute your electronic signature and your agreement to these Terms, the Privacy Policy, authorizations, disclosures, and related records, to the fullest extent permitted by applicable law.
You further agree that electronic records and signatures may have the same legal effect as handwritten signatures and paper records where recognized by law.
All website content, text, graphics, branding, logos, layout, copy, design elements, compilations, and other materials provided by the Company are owned by or licensed to the Company and are protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, modify, publish, republish, display, transmit, create derivative works from, or commercially exploit any website content without prior written consent from the Company.
Unauthorized use of the website or its content is prohibited.
To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or speculative damages, including lost profits, lost opportunities, lost financing opportunities, lost business, business interruption, emotional distress, reputational harm, or delay damages, arising out of or relating to the website, services, communications, documents, or these Terms.
To the fullest extent permitted by law, the Company’s total aggregate liability for any claim arising out of or relating to the services or these Terms shall not exceed the total amount actually paid by you to the Company for the specific service giving rise to the claim.
Some jurisdictions may not allow certain limitations of liability, so portions of this section may not apply to the extent prohibited by law.
You agree to defend, indemnify, and hold harmless the Company, its owners, officers, managers, employees, contractors, agents, affiliates, successors, and representatives from and against any and all claims, liabilities, losses, damages, judgments, penalties, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:
The Company may retain copies of applications, intake materials, uploaded documents, communications, payment records, internal notes, and service documentation for business, operational, evidentiary, compliance, fraud-prevention, tax, accounting, audit, and dispute-resolution purposes for such time as the Company determines reasonably appropriate, subject to applicable law.
You are responsible for maintaining your own copies of all materials submitted to the Company.
Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or of any other right or provision.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.
Any dispute arising out of or relating to these Terms, the website, or the services shall be brought exclusively in the state or federal courts located in Florida, unless another venue is required by applicable law.
You consent to the jurisdiction and venue of such courts.
The Company may modify or update these Terms from time to time. Any updated version becomes effective when posted, unless a later effective date is stated.
Your continued use of the website or services after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.
These Terms, together with the Privacy Policy and any written service-specific agreement signed by the Company, constitute the entire agreement between you and the Company regarding the website and services described herein and supersede prior or contemporaneous communications regarding the same subject matter, except where a separate written agreement expressly controls.
If you have questions regarding these Terms, you may contact:
VISIONARY FINANCE SYSTEMS INC
Phone: (786) 979-2813
Email: info@visionaryfinancesystems.com
Website: https://visionaryfinancesystems.com/