Terms of Service

1. Acceptance of Terms

By accessing and using the Vista Pacific Capital website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Vista Pacific Capital provides equipment financing and business loan services. We act as a broker to connect businesses with appropriate lenders and financing solutions. We do not guarantee approval for any financing application.

3. Application Process

By submitting a financing application through our website, you:

• Certify that all information provided is true and accurate
• Authorize us to verify the information provided
• Authorize us to obtain credit reports and financial information
• Understand that we may share your information with potential lenders
• Agree to our Privacy Policy regarding the use of your information

4. Credit Authorization

By submitting an application, you provide written instructions under the Fair Credit Reporting Act authorizing Vista Pacific Capital to obtain information from your personal credit profile or other information from credit bureaus. This authorization is solely for the purpose of prequalifying you for equipment financing/leases or small business finance/working capital.

5. Communication Consent

By providing your contact information and submitting forms on our website, you consent to receive communications from Vista Pacific Capital including:

• Email communications regarding your application and our services
• Automated text messages related to your application
• Phone calls from our team members

You may opt-out of communications at any time by following the unsubscribe instructions in emails or replying STOP to text messages.

6. Website Use

You agree to use our website only for lawful purposes and in a way that does not infringe the rights of others. You may not:

• Submit false or misleading information
• Attempt to gain unauthorized access to our systems
• Use our website to transmit harmful or malicious code
• Interfere with the proper functioning of our website

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Vista Pacific Capital or its licensors and is protected by copyright and other intellectual property laws.

8. Disclaimer of Warranties

Our website and services are provided "as is" without any warranties, express or implied. We do not guarantee that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

Vista Pacific Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our website or services.

10. Equal Credit Opportunity

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

11. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.