April 10, 2018
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING AND USING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS STATED HEREIN, PLEASE EXIT THIS WEBSITE IMMEDIATELY.
Changes and Modifications
Service Rights and Restrictions
All material and content on this Site including but not limited to text, data, articles, designs, software, photos, images, and other information (collectively the "Site Content") are the proprietary property of VentureOp with all rights reserved. Site Content may not be copied, reproduced, distributed, republished, displayed, posted, transmitted, or sold in any form or by any means without VentureOp's express prior written consent. You acknowledge that all Site Content is and shall remain the sole property of VentureOp. You may only use access the Site and use the Services for their intended purpose, and any use of the Site or Services that is not expressly authorized herein is strictly prohibited.
Nothing on this Site should be construed as granting the User any license or right to use any trademark, whether owned by VentureOp or a third party, displayed on the Site, without prior written approval of the trademark owner. You may not use, copy, duplicate, display, distribute, modify or reproduce any trademark contained on the Site without the prior express written consent of the trademark's owner.
Consent to Conduct Business Electronically
Because VentureOp operates its platform online and conducts its business solely through the Internet, you must consent to receive all disclosures, notices, documents, agreements, and information associated with the Services ("Communications") electronically in order to transact business with us. This section informs you of your rights when receiving electronic Communications from VentureOp.
You agree that VentureOp, its agents and representatives, may provide all Communications to you electronically via email or through our website. You may still request a paper copy of any Communication by following the procedure outlined below.
Hardware and Software Requirements
In order to receive electronic Communications, you must have the following: (1) access to the Internet; (2) an active email account; (3) software capable of receiving email through the Internet; (4) supported Web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher); and (5) hardware capable of running this software. To ensure access and optimal printing of your loan documents in PDF format, you must have Adobe Reader. To install the free version of Adobe Reader, click here.
Additional Mobile Technology Requirements
If you access our Site and Communications electronically via a mobile device (such as a smart phone or tablet), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the Disclosures presented to you during the application process. If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.
Requesting a Paper Copy
Requesting a Paper Copy. You may request from us a paper copy of any Communication that we have provided or made available to you electronically without charge, provided that such request is made within a reasonable time after we first provided the Communication to you. To request paper copies, you must send an e-mail to email@example.com with the subject line "Paper Copy Request" and in the body of the e-mail you must state your e-mail address, full name, US Postal address, and telephone number.
You may withdraw your consent to receive future Communications electronically by changing your settings the VentureOp borrower portal, or by sending an email to firstname.lastname@example.org with the subject line of "Withdraw Electronic Consent" and including your full name, US Postal Address, email address, and telephone number in the body of the email. Your withdrawal of consent will be effective only after we have had a reasonable period to process your request.
consent to be contacted by us, our agents, representatives, affiliates, or
anyone calling on our behalf for any and all purposes, at any telephone
number, or physical or electronic address you provide to us. You agree we
may contact you in any way including SMS text messages, calls using
prerecorded messages or artificial voice, and calls and messages delivered
using an auto telephone dialing system or an automated texting system.
Automated messages may be played when the telephone is answered,
whether by you or someone else. In the event that an agent or representative
calls, he or she may also leave a message on your answering machine, voice
mail, or via text.
You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or number(s) we can reasonably associate with your account (through skip tracing, caller ID capture, or other methods), with information or questions about your application, loan and/or account. You certify, warrant and represent that the telephone numbers that you have provided to us are your numbers and not someone else's. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number. For more information on SMS text messages, please see the Account Alerts Terms and Conditions page at ventureop.com.
MARKETING CALLS AND TEXTS: We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless you provide us with prior express written consent. If you have provided consent to receive marketing calls, you agree that VentureOp's employees, agents, and representatives may use autodialed or pre-recorded phone calls and SMS text messages to contact your mobile phone at the number you provide for the purpose of describing goods and services that may be of interest to you, whether offered by VentureOp, affiliates, or third parties. If provided, your consent will be effective even if the number you have provided is registered on any state or federal Do-Not- Call (DNC) list. This consent for telemarketing calls shall remain in effect until you revoke it. Your consent to receive telephone communications is not a condition of obtaining a loan and may be revoked at any time by email at email@example.com, by writing to us at VentureOp c/o Compliance Department, 39962 Cedar Boulevard, #200 Newark, California 94560 or by calling us at (408) 705-5005.
Standard calling and text messaging rates will apply, based on your cellular telephone carrier and service plan.
Changes in Contact Information
Please keep us informed of any changes in you contact information so that you can continue to receive timely electronic Communications from us. You may update your contact information by emailing firstname.lastname@example.org, by writing to us at VentureOp c/o Compliance Department, 39962 Cedar Boulevard, #200 Newark, California 94560or by calling us at (408) 705-5005.
If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via email at support@VentureOp.com, or via regular mail at 39962 Cedar Boulevard, #200 Newark, California 94560. In your notification, please:
- Confirm that you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;
- Identify the copyrighted work or works that you claim have been infringed;
- Identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed (please include information reasonably sufficient to permit us to locate the material);
- Provide your contact details, including an email address;
- Provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
Links to Third-Party Sites
We are not responsible for the information practices employed by sites linked to or from our website. In most cases, links to third-party websites are provided solely as pointers to information on topics that may be useful to our users. Since third-party websites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.
Disclaimer of Warranties
VENTUREOP PROVIDES THE SITE AND SERVICES "AS IS" AND "AS AVAILABLE" WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ADDITIONALLY, VENTUREOP MAKES NO CLAIM OR GUARANTEE AS TO THE ACCURACY OF ANY INFORMATION PROVIDED OR SITE CONTENT.
Limitation of Liabilities
IN NO EVENT WILL VENTUREOP OR ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR TO ANY OTHER PARTY FOR LOST PROFITS OR ANY OTHER SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR INDIRECT DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES, EVEN IF VENTUREOP IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT ALLOWED BY APPLICABLE LAW, VENTUREOP'S LIABILITY TO YOU FOR ANY CAUSE OF ACTION REGARDLESS OF FORM WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID BY YOU TO VENTUREOP, IF ANY, AND IN NO CASE SHALL VENTUREOP'S LIABILITY TO YOU EXCEED $1,000.00.
Choice of Law; Jurisdiction and Venue