Terms of Use

Effective Date: 01 Nov, 2025

 


PLEASE READ THESE TERMS OF USE CAREFULLY.

BY ACCESSING OUR SITES AND/OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST DISCONTINUE YOUR USE OF THE SITES AND SERVICES.

These Terms of Use and Service (the “Terms of Service”) govern your use of the websites provided by ReachVault Inc. and its affiliates (“ReachVault,” “we,” or “us”), as well as any products and services offered by ReachVault.

 


1. ACCEPTANCE OF AGREEMENT

These Terms of Service set forth the legally binding terms and conditions that govern your use of the Service. By completing the registration process and/or browsing the Service, you accept these Terms of Service (on behalf of yourself or the entity you represent) and represent that you have the legal authority and capacity to enter into these Terms.

You may not access or use the Sites or Service if:
(a) you are not of legal age to form a binding contract with ReachVault,
(b) you are prohibited by law from receiving or using the Service, or
(c) you are not a U.S. resident.

If you do not agree with all provisions of these Terms, do not access or use the Sites or Service.

Please Note: These Terms require binding arbitration (Section 12) on an individual basis to resolve disputes, rather than jury trials or class actions, and also limit the remedies available to you in the event of a dispute.

 


2. AMENDMENTS

ReachVault reserves the right to amend these Terms of Service at any time. Notice of such amendments will be posted on our website. You are responsible for reviewing these Terms regularly to remain aware of updates. If you do not agree to an amendment, you must stop using the Sites and Services.

Questions about these Terms or ReachVault’s Privacy Policy may be directed to: legal@reachvault.com

 


3. DEFINITIONS

3.1 Defined Terms

Unless otherwise stated:

  • “Account Information” means information about accounts you maintain with third-party financial institutions, as provided by you to ReachVault.
  • “Applicable Law” includes all federal and state laws relevant to the activities contemplated hereunder, including but not limited to the Truth in Lending Act, Equal Credit Opportunity Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, Gramm-Leach-Bliley Act, Dodd-Frank Act, CAN-SPAM Act, and all applicable consumer credit and privacy laws.
  • “Business Day” means any day other than a Saturday, Sunday, or federal holiday on which U.S. financial institutions are open for business.
  • “Profile Information” means information you provide during registration, including business name, address, funding purpose, financial details, and personal contact information.

3.2 Interpretation

All references to Sections refer to this document. “Including” means “including, without limitation.” Singular includes plural and vice versa.

 


4. INTELLECTUAL PROPERTY

The Site and its content, including but not limited to text, images, videos, documents, and code (collectively, “Content”), are protected under U.S. and international copyright, trademark, and intellectual property laws.

Except as expressly authorized in writing by ReachVault, you may not copy, reproduce, distribute, modify, or publish any Content. You agree not to:

  1. Remove or alter proprietary notices or trademarks, and
  2. Modify documents except to complete information required to transact business with ReachVault.

 


5. PRIVACY

You agree to ReachVault’s Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how we collect, use, and disclose your information. By using our Sites or Services, you acknowledge and consent to the terms of our Privacy Policy.


6. CALIFORNIA RESIDENTS

California residents may contact the Complaint Assistance Unit of the Division of Consumer Services, Department of Consumer Affairs, 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or call (800) 952-5210.

You hereby waive California Civil Code §1542, which states:

“A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release…”

 


7. ACCOUNT; ACCURACY OF INFORMATION

7.1 Account Creation

You must register for an account (“Account”) to access certain features. You agree to provide accurate and complete information and promptly update it as needed.

If we determine that your information is inaccurate or incomplete, we may suspend or terminate your access.

7.2 Account Responsibilities

You are responsible for maintaining the confidentiality of your login credentials and all activities under your Account. Notify ReachVault immediately of unauthorized use at support@reachvault.com.

7.3 Use of Account Information

You authorize us to use your Account Information for all purposes related to the Service.

 


8. THIRD-PARTY LINKS, PRODUCTS, AND APPLICATIONS

8.1 Third-Party Links

The Service may include links to third-party websites, products, or services (“Third-Party Links”). These are provided solely for convenience. ReachVault does not review, control, endorse, or assume responsibility for any Third-Party Links. Use them at your own risk.

8.2 Reviews and Testimonials

Testimonials may use pseudonyms or stock imagery for privacy. ReachVault does not guarantee accuracy of reviews hosted by third-party platforms.

8.3 Release

You release ReachVault and its officers, employees, and agents from all claims or damages arising from third-party interactions or links accessed via our Service.

 


9. SMS TERMS AND CONDITIONS

  • Reply STOP to opt-out/unsubscribe.
  • Reply HELP for assistance.
  • Message frequency may vary.
  • Standard message and data rates may apply.
  • Carriers are not liable for delayed or undelivered messages.

 


10. INDEMNIFICATION

You agree to indemnify and hold harmless ReachVault, its affiliates, officers, employees, and agents from any claims, damages, or losses (including legal fees) arising out of or related to:

  • your use or inability to use the Services,
  • your violation of these Terms,
  • your interactions with funding providers,
  • inaccuracies in your provided data, or
  • your violation of any law or third-party rights.

 


11. LIMITATION OF LIABILITY & WARRANTY DISCLAIMER

11.1 Limitation of Liability

To the fullest extent permitted by law, ReachVault shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or data.
Total liability for all claims shall not exceed two hundred U.S. dollars ($200).

11.2 No Warranties

The Site and Services are provided “as is” and “as available.” ReachVault disclaims all warranties, express or implied, including merchantability or fitness for a particular purpose.

We do not guarantee that:

  • Services will be uninterrupted or error-free,
  • Information is accurate or current, or
  • You will obtain financing through the platform.

ReachVault is not a financial advisor or funding provider and does not offer legal, tax, or investment advice.

 


12. DISPUTE RESOLUTION BY BINDING ARBITRATION

12.1 Arbitration Requirement

You agree to resolve disputes through binding individual arbitration, not in court or as part of a class action.

12.2 Governing Rules

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

12.3 Location and Fees

Arbitration shall occur in New York County, New York, or via non-appearance-based methods (online, written, or phone) as applicable. Each party bears its own legal fees and shares administrative costs equally.

12.4 Waiver of Jury and Class Actions

You waive your right to a jury trial and to participate in class or consolidated actions.

12.5 Confidentiality

All arbitration proceedings are confidential unless disclosure is required by law.

12.6 Small Claims

Either party may bring an individual claim in small claims court.

 


13. GENERAL TERMS

  • Waiver: Failure by ReachVault to enforce any term shall not constitute a waiver.
  • Governing Law: These Terms are governed by the laws of New York State.
  • Entire Agreement: These Terms constitute the entire agreement between you and ReachVault regarding the Services.
  • Severability: If any term is deemed invalid, the remaining provisions remain enforceable.
  • Assignment: You may not assign these Terms without prior written consent. ReachVault may assign without restriction in connection with mergers or acquisitions.

 

 

ReachVault Inc.
c/o Legal Department
[Insert Office Address]
[City, State ZIP]
Phone: (800) 555-1234
Email: legal@reachvault.com