Binding Agreement
This constitutes a binding agreement. By utilizing this website (“Site”) or associated services (“Service”), you agree to comply with these Terms of Use. Vantage Point Mortgage (“Company”) reserves the right to modify these terms at its sole discretion, with notice of updates posted on the Site. It is your responsibility to regularly review these terms; if unacceptable, cease use of the Site and Service. By using the Service, you affirm that you are at least 18 years old and legally able to enter this agreement.

Privacy Policy
Company values your privacy. All references to “Vantage Point Mortgage” in the privacy policy are hereby changed to “Vantage Point Mortgage” and contact details are updated to: 1545 Crossways Blvd., Suite 250 Chesapeake, VA 23320; Phone: (757) 600-4222; Email: Paul@VantagePointResidential.com.

Use of Software
Company may offer software via the Site for personal, noncommercial use. Users agree not to sell, redistribute, or reproduce the software. All trademarks remain the property of Company or its licensors; copying or usage is prohibited.

User Content
By posting materials on the Site or Service, you grant Company a license to use such content. Users confirm ownership or authorization for posted content, absolving Company of compensation.

Website Content
This website may offer general information about products and services, subject to final determination, restrictions, and acceptance by Company. Information, products, or services may change without notice, and links to third-party websites are provided for convenience, with users accessing them at their own risk.

Compliance with Intellectual Property Laws
Users must respect intellectual property rights. Company disclaims responsibility for any violations, and users bear liability for any infringements due to provided content.

Inappropriate Content
Users shall not share libelous, defamatory, obscene, or threatening content. Company reserves the right to terminate Service for violations.

Copyright Infringement
Company has procedures for copyright infringement claims. Users with evidence of infringement must contact Paul Neal, Vantage Point Mortgage, 1545 Crossways Blvd., Suite 250 Chesapeake, VA 23320, (757) 600-4222, Paul@VantagePointResidential.com.

Alleged Violations
Company may terminate Service for violations without notice if users interfere with others’ use, provide false information, or breach Terms of Use.

Accessing the Website
Users bear responsibility for accessing the Site and maintaining necessary hardware and services. The website may experience downtime, and Company disclaims liability for related losses.

SMS Consent
Users providing telephone contact information consent to receive SMS Notifications. To unsubscribe, reply with “stop,” or call (757) 600-4222,. Users are responsible for any associated charges.

Prohibited Uses
Users shall not violate Site security, attempt unauthorized access, or engage in malicious activities. Breaches may lead to civil and/or criminal liability.

Your Information
Users provide information according to the privacy policy. Company disclaims ownership but retains permission to use for requested services.

Do Not Sell My Personal Information
California residents may request opting out of Personal Information “sale” by filling out the form on the website.

Consent to Verifications
Users grant consent for Company to contact third parties as necessary for service provision.

Affiliated Sites
Company disclaims liability for third-party websites linked to the Site. Users acknowledge Company’s lack of control over linked content.

No Warranties
The Site and Service are provided “as is.” Company disclaims all warranties, express or implied, and does not guarantee uninterrupted or error-free operation.

Limited Liability
Company’s liability is limited. It is not responsible for damages arising from Site use or unavailability, and users assume associated risks.

Indemnity
Users agree to indemnify Company against third-party claims arising from Site use or violations of these terms.

Other Terms & Conditions
Equal Opportunity Employer
Company is an equal opportunity employer. Complaints can be directed to the Director of Human Resources at (757) 600-4222,.

Copyright
All content on the Site is Copyright © 2021, Vantage Point Mortgage, 1545 Crossways Blvd., Suite 250 Chesapeake, VA 23320. All rights reserved.

Governing Law
These Terms of Use are governed by U.S. and New Jersey law, with exclusive jurisdiction in Essex County, New Jersey, USA.

Severability; Waiver
Unenforceable terms do not affect remaining terms. No waiver is effective unless in writing and signed by Company.

No License
No license is granted for trademarks, service marks, or logos owned by Company or third parties.

Modifications
Company may revise these terms without notice. Continued use affirms agreement to revisions.

Acknowledgment
By using the Service or accessing the Site, users acknowledge reading and agreeing to these Terms of Use.

Last Updated: January 2024