These Terms of Use (these “Terms” or “Terms of Use”) are entered into by and between you and Visio Financial Services Inc. (collectively with and its affiliates and subsidiaries, “Visio Lending”, “Visio”, “Company”, “we”, “us”, and “our”). The following terms and conditions govern your access and use of any content, functionality, or services offered through www.visiolending.com (the “Website”). Please read these Terms of Use, along with our Privacy Policy, carefully before using the Website.
Your access to and use of the Website is conditioned on your acceptance and compliance with these Terms of Use, our Privacy Policy, and any documents expressly incorporated by reference. These Terms apply to all visitors, users, and others who access or use the Website, whether as a guest or registered user, including your agents, brokers, or anyone otherwise acting on your behalf. If you are accessing the Website or applying for our products or services on behalf of a business entity, you affirm that you have the authority to accept our Terms of Use on the entity’s behalf. By using the Website, you represent and warrant that you meet these requirements.
Use of the Website may be monitored, tracked and recorded. Anyone using this Website consents to such monitoring, tracking, and recording.
By accessing or using the Website you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Website.
CHANGES TO TERMS OF USE
We reserve the right, at our sole discretion, to modify or replace these Terms and any service or material we provide on the Website at any time and without notice. Any changes or modifications will be effective immediately upon posting the updated Terms of Use. You are encouraged to periodically review our Terms of Use and Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Terms of Use or Privacy Policy by your continued use of the Website after the date such revisions are posted.
ACCOUNT REGISTRATION AND SECURITY
If you create an account on the Website, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify Visio immediately of any unauthorized use of your login credentials or any other breach of security. We reserve the right to disable any username, password, or other identifier, at any time in our sole discretion. From time to time, we may restrict access to the Website. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period.
INTELLECTUAL PROPERTY, COPYRIGHTS, AND TRADEMARKS
The Website, including all its contents, features, and functionality (“Website Content”), is owned and controlled by the Company. It is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property. All rights reserved. The Company owns all rights, titles and interests to any Website Content. You must not access or use any part of the Website for any commercial purpose, and you are prohibited from reproducing, copying, distributing, licensing, selling, publishing, downloading, storing, transmitting, or creating derivative works of any Website Content without the express written permission of the Company. Unauthorized use of the Website or Website Content constitutes a breach of these Terms and your right to use the Website will immediately terminate. Unauthorized use may result in violation of copyright, trademark, and other applicable laws.
The Company name, logos, product and service names, designs, and slogans are trademarks of Visio Lending. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.
LICENSE TO USE OUR WEBSITE
The Company may provide you with certain information as a result of your use of the Website. Such information may include, but is not limited to, data, rate sheets, or educational materials developed by Visio Lending. Subject to this Agreement, the Company grants you a non-exclusive, limited, non-transferable and revocable license to use the Company materials solely in connection with your use of the Website.
PROHIBITED USES
You agree that you will not engage in any activities related to the Website that are inconsistent with these Terms of Use or are contrary to applicable law. You further agree not to use the Website for any of the following activities:
- Transmit any false, misleading, incomplete, or deceptive information.
- Impersonate or misrepresent your identity or the identity of your company; pose as the Company, its employees, another user, or any other person or entity; falsely state or imply an affiliation that does not exist; or mislead others about the Company’s endorsement or partnership.
- Register more than one account or open an account for an entity without that entity’s express authorization.
- Use the Website for unauthorized commercial purposes; or exploit the Website or its content for marketing, data mining, or other business uses, including the use of any robot, spider, other automatic device or manual process to monitor or copy our web pages, data or content, without our express written permission.
- Upload, distribute, or otherwise introduce viruses, worms, Trojan horses, logic bombs, or other malicious code; or otherwise engage in any conduct that restricts or inhibits the use of the Website, or which, in the sole determination of the Company, may harm the Company, its employees or Website users.
- Use the Website in any manner that could disrupt, overload, disable, or otherwise impair the Website or a user’s ability to interact with it.
- Reverse-engineer, decipher, decompile, disassemble or otherwise attempt to derive source code of any software used to provide the Website.
RELIANCE ON INFORMATION POSTED ON THE WEBSITE
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
USER INFORMATION
Any information or other content (“User Information”) transmitted through the Website will be considered non-confidential and non-proprietary. By providing User Information, you automatically grant, and you represent and warrant that you have the right to grant, to Visio and our service providers, and each of their and our respective licensees, successors, and assigns an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any lawful purpose. You further represent and warrant that any User Information provided is accurate and complete, without misrepresentation or omission. We may share user data with trusted third parties as described in our Privacy Policy or as required by law.
THIRD-PARTY LINKS & CONTENT
The Company may occasionally post links to third party websites or other services. You agree that the Company is not responsible or liable for any loss or damage caused as a result of your use of any third-party services linked to or from our Website.
LIMITATION OF LIABILITY
DUE TO MANY FACTORS, INCLUDING HUMAN INTERFERENCE AND MECHANICAL FAILURE, THE WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE.”. YOUR USE OF THE WEBSITE, WEBSITE CONTENT, SERVICES, OR OTHER ITEMS TRANSMITTED VIA THE WEBSITE IS AT YOUR OWN RISK.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR A PARTICULAR PURPOSE.
UNDER NO CIRCUMSTANCES SHALL THE COMPANY, OR ITS OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, STRICT LIABILITY OR OTHERWISE, EVEN IF FORESEEABLE.
INDEMNIFICATION
You agree to indemnify and hold harmless the Company and its subsidiaries and affiliates from any claims, liabilities, damages, or expenses (including attorneys’ fees) arising from your use of the Website or violation of these Terms.
GOVERNING LAW
These Terms are governed by the laws of the State of Texas. Any disputes will be subject to the exclusive jurisdiction of the state or federal courts located in Texas.
WAIVER AND SEVERABILITY
No waiver or failure to enforce any term or condition set forth in these Terms of Use shall be deemed a waiver of any other term or condition. If any part of these Terms of Use is held unenforceable, the validity of the remaining provisions will not be affected.
ENTIRE AGREEMENT
These Terms of Use, Privacy Policy, and any documents expressly incorporated by reference, constitute the sole and entire agreement between you and Visio Lending regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.
CONTACT US
If you have any questions about our Privacy Policy or Terms of Use, you can email us at privacy@visiolending.com. To reach us by mail, write to us at the following address: Visio Lending, Attn: Legal, 1905 Kramer Lane, Ste. B700 Austin, TX 78758.
Effective: August 11, 2025
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