The following is an agreement between yourself (you) and ICB Solutions.
By using this website ("the website") and accessing any of the contents contained in it,
you agree to be bound by the following terms and conditions. If you disagree with any of
the Terms and Conditions of Use below, please navigate away from the site.
These terms function closely with our
so please review those too.
This website is provided to you by ICB Solutions, 1801 Westfall Drive, Columbia, MO 65202. ICB Solutions strives to ensure the information contained on the website is accurate, although occasionally errors may occur. ICB Solutions reserves the right to make changes and/or improvements to this website at any time. Further, THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED 'AS IS' WITH NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. ICB SOLUTIONS, OR ANY OF ITS AFFILIATES, IS NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THE SITE.
Information About You and Your Visits to the Website
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, source code, calculations, products, data, functionality, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by ICB Solutions, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
The following marks which appear on the Site: VALoans.com®, ICB Solutions™ and the respective logos, emblems, and designs are trademarks and/or service marks of ICB Solutions. Any and all other copyrights, trademarks or service marks located on the site are the property of their respective owners.
Terms Applicable to Loan Request Services
ICB Solutions does not endorse, recommend, or steer consumers to any specific loan product that we offer, nor do we guarantee approval on any loan product. You make the ultimate decision on the loan product that is best for your individual financial situation.
Loan Information Requests
When you submit a request for information (an "inquiry") to ICB Solutions, we will share the personal information that you provided, including but not limited to your full name, email address, telephone number, estimated credit score, and any other information you provided ("Self-Reported Information") with our Network Members to process and fulfill your request. Any inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with one or more Network Members to receive conditional loan offers from them. Once you submit an inquiry, a Network Member will contact you, most likely by telephone at the phone number you provided. The Network Member will ask you for additional information. WE WILL NOT ACCESS YOUR CREDIT WITHOUT YOUR EXPRESS VERBAL OR WRITTEN PERMISSION.
The data and other information you may provide ICB Solutionsis not an application for a loan or a request to be pre-approved or pre-qualified. You further acknowledge that we are not acting as your agent or broker and are not recommending any particular loan product or Network Member to you. ICB Solutions does not guarantee specific loan terms or qualifications with any Network Member. You agree that we will not be liable for any damages or costs of any type which arise out of or in connection with your use of a Network Member’s service.
Any compensation we may receive is paid by the individual Network Member for the products and services rendered by us to that particular Network Member. We do not charge you a fee to use our Website(s).
By submitting your inquiry, you are consenting to be contacted by one or more Network Members either by telephone (on a recorded line), automated calling, on a mobile device, via text message, email or mail, based on the information you have provided to us. You understand that our Network Members may maintain the information you submitted to us whether you elect to use their services or not. You agree to notify any particular Network Member directly if you no longer want to receive communications from them. You also give us permission to send you periodic updates of current loan products which may be of interest to you. Network Members may also share your completed Loan information with us in order to comply with legal or regulatory requirements, or for internal marketing and analytics. You are providing express written consent for us to retain this information upon completion of an inquiry form and the selected Network Member to share this information with us for this purpose.
Errors and Delays
ICB Solutions is not responsible for any errors or delays in responding to your inquiry arising out of inaccurate information provided by you, or any other cause outside of our commercially reasonable control.
There is no charge to you, as a consumer, for using the services provided on this Site. A licensed representative will discuss any and all fees for receiving a loan and all fees will be provided consistent with state and federal laws.
You agree to indemnify ICB Solutions and its affiliates from and against any and all liabilities, expense (including attorney's fees) and damages arising out of any claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions of Use.
Choice of Law
You agree that the laws of the State of Missouri govern this contract and any claim or dispute that you may have against us, without regard to Missouri's conflict of laws rules. You further agree that a court located in Missouri will resolve any disputes or claims that you may have against us.
Any claim, dispute, or cause of action arising out of the use of the Site shall be subject to arbitration under the commercial arbitration rules of the American Arbitration Association, in a proceeding held before one arbitrator as chosen by ICB Solutions. The arbitration shall occur in Boone County, Missouri. Any claim, dispute, or cause of action shall be resolved in the arbitration proceeding and shall be binding on all parties. You, as the consumer, waive and forfeit any and all rights to any action in state or federal court to defend or assert your rights.
Disclaimer of Warranties
We provide This website "as is", "with all faults" and "as available." YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. Neither we nor our Contributors make any express warranties or guarantees about This website and its Content. TO THE EXTENT PERMITTED BY LAW, WE DISCLAIM IMPLIED WARRANTIES THAT THIS WEBSITE AND ITS CONTENT ARE MERCHANTABLE, OF SATISFACTORY QUALITY, ACCURATE, FIT FOR A PARTICULAR PURPOSE OR NEED, TIMELY, RELIABLE OR NON-INFRINGING. WE DO NOT GUARANTEE THE RESULTS THAT YOU MAY OBTAIN FROM YOUR USE OF THIS WEBSITE. WE DO NOT GUARANTEE THAT THIS WEBSITE WILL MEET YOUR REQUIREMENTS. WE DO NOT GUARANTEE THAT YOU WILL BE ABLE TO ACCESS OR USE THIS WEBSITE AT TIMES OR LOCATIONS OF YOUR CHOOSING. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY OUR REPRESENTATIVES SHALL CREATE A WARRANTY.
Limitation of Liability
OUR PARENT, OUR CONTRIBUTORS, OUR DISTRIBUTORS AND WE SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE. THESE EXCLUSIONS APPLY TO ANY CLAIMS FOR LOST PROFITS, LOST DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF WE KNEW OR SHOULD HAVE KNOWN THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR AND OUR SUPPLIER'S LIABILITY IN SUCH STATE OR JURISDICTION SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
YOU AGREE, AND YOU WILL REQUIRE THAT ANY THIRD PARTY WHO INDIRECTLY USES THE CONTENT PROVIDED BY YOU ("THIRD PARTY USER") TO AGREE, THAT IN NO EVENT SHALL WE OR OUR CONTRIBUTORS BE LIABLE FOR THE RESULTS OF ANY THIRD PARTY USER’S USE OR RELIANCE UPON THIS WEBSITE, FOR ITS INABILITY OR FAILURE TO CONDUCT ITS BUSINESS, OR FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST DATA OR LOST PROFITS, WHETHER IN TORT (INCLUDING NEGLIGENCE), CONTRACT, STRICT LIABILITY, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE.
IN NO EVENT SHALL OUR OR OUR CONTRIBUTORS CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS RELATING TO THE USE OF THE THIS WEBSITE SERVICES EXCEED THE TOTAL AMOUNT YOU PAID FOR THE PARTICULAR THIS WEBSITE SERVICE WITHIN AN IMMEDIATE TWELVE-MONTH PERIOD.
This Agreement and any supplemental terms, policies, rules and guidelines posted on this website constitute the entire agreement between you and ICB Solutions and supersede all previous written or oral agreements. If any part of this Agreement is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
Comments and Concerns
This website is operated by ICB Solutions.
Any feedback, comments, requests for technical support, and other communications relating to the Website should be directed to:
Please Print and Retain a Copy of this Agreement for Your Records.
ICB Solutions, a division of Neighbors Bank (Last Updated: July 27, 2022)
Updated: July 29, 2022
See also: Disclaimers