This website (the “Website”) is owned and operated by GoVALoans.com, LLC. (“GOVA,”  “Us” or “We”) and is governed by these terms and conditions (the “Terms of Use”). These Terms of Use state the terms and conditions under which our customers and users (“You”) are authorized to use the Website. By accessing or using the Website, you agree to be bound by these Terms of Use. If you do not accept the Terms of Use, please do not use the Website.

We reserve the right to update and change the Terms of Use from time to time without notice. Such changes will be in force from the day they are posted here, so check this page often. Further, we reserve the right to modify or terminate the Services or to terminate your access to the Website, in whole or in part, at any time.

Prohibited Uses
In addition to other terms as set forth in the Terms of Use, you are prohibited from using the Website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the services or any related website, other websites, or the internet. We reserve the right to terminate your use of the Website, services, or any related website for violating any of the prohibited uses.

Your use of the Services, including the Website, imposes on you an obligation of appropriate use and conduct, which includes, but is not limited to, not causing an unreasonable or disproportionately large processing load on our Services or systems, not engaging in any conduct that restricts or inhibits use of the Services by others, and not introducing or transmitting any virus, worm, Trojan horse or other material that may harm or disrupt our Services or systems. Unauthorized use of the Services, misuse of passwords, or misuse of any information or material posted on this Website is strictly prohibited.

You may use the Services, including the Website, only for lawful purposes and you agree not to use the Services in any way that violates any applicable federal, state, local, or international law or regulation.

Accuracy of information

Occasionally there may be information on the Website that contains typographical errors, inaccuracies or omissions that may relate to promotions and offers. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel orders if any information on the Website or on any related service is inaccurate at any time without prior notice (including after you have submitted your order). We undertake no obligation to update, amend or clarify information on the Website including, without limitation, pricing information, except as required by law. No specified update or refresh date applied on the Website should be taken to indicate that all information on the Website or on any related service has been modified or updated.

In making an inquiry, application or in entering into any other transaction or request for information on this website, you agree to provide accurate, true, current, and complete information upon which GOVA may rely.

Content
The content displayed on or transmitted through the Website, including Website text, descriptions of our technology, customer testimonials, logos, and designs (collectively, “Website Content”), is intellectual property protected by copyright, trademark or other proprietary rights of GOVA or its affiliates. GOVA reserves and retains, for itself and its affiliates, as applicable, all rights in connection with the Website and the Website Content. You will not acquire any interests in the Website Content through use of the Website, and agree to comply with, and not remove or tamper with, any trademark or copyright notices, information, or restrictions contained in any Website Content available on or accessed through the Website.

Intellectual property rights

These Terms of Use does not transfer to you any intellectual property owned by GOVA or third-parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with GOVA. 

All trademarks, service marks, trade names, trade dress and related intellectual property rights in the Services are proprietary to GOVA or our licensors or licensees. You may not use, reproduce or display any of the GOVA trademarks except upon GOVA’s prior written consent.

The Website and its entire contents, features, and functionality (including but not limited to all web pages, user interfaces, information, design, software, source code, text, displays, graphics, images, videos, and audio recordings, and the design, selection, and arrangement thereof) are owned, controlled, or licensed by GOVA, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Except as expressly provided in these Terms of Use, you may not copy, display, distribute, transmit, transfer, link to, reproduce, license, frame, alter, create derivative works of, reverse engineer, or republish all or any portion of the Website for any commercial or public purpose without GOVA’s prior written consent. You may, however, view information available on the Website for your informational purposes. You may download from the Website materials, except for software or source code, but only for your personal or internal business purposes only. You may download software or source code from the Website, but only such software or source code purposely made available to you by GOVA for downloading from the Website, subject to any applicable terms of use. You acknowledge and agree that you do not acquire any ownership rights of any kind by downloading materials from the Website.

Privacy Policy
Our Privacy Policy and its Terms of Use are expressly made part of these Terms of Use by reference.

User IDs And Passwords

Certain areas or features of this application may be restricted to users who have obtained a user identification and password by completing a registration process described on this application. Please be sure to protect and maintain the confidentiality of any user identification, password or other identifying information you may obtain in connection with your use of this application. You agree to notify us immediately if you believe your user identification, password or other identifying information has been lost, stolen or otherwise compromised. You also acknowledge and agree that you are solely responsible for all damages or claims that may arise from any access to or use of this application by any person to whom you have provided your user identification, password or other identifying information, or by any person who has obtained such information from you, including, but not limited to, any access to or use of this application that may occur after you have notified us that your user identification, password or other identifying information has been lost, stolen or otherwise compromised.

Linking

We are not responsible for links to other websites. For your convenience, this Website may provide links to other websites on the world wide web. Unless expressly stated otherwise on this Website, GOVA does not endorse, approve, sponsor or control, and we are not in any way responsible for, any of the content, services, calculations, information, products or materials available at or through any websites to which this Website may provide a link. By using this Website you acknowledge and agree that GOVA will not be responsible or liable to you or any other person for any damages or claims that might result from your use of such content, services, calculation, information, products or materials.

No Advertising / No Link

GOVA does not permit third-party advertising on this website. Except with the written permission of GOVA, you agree that you will not create links from any website or web page to this Website or any web page within this website.

Disclaimer of warranty

You agree that your use of our Website is solely at your own risk. You agree that such Website and any services is provided on an “as is” and “as available” basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. We make no warranty that any services will meet your requirements, or that any services will be uninterrupted, timely, secure, or error-free; nor do we make any warranty as to the results that may be obtained from the use of the services or as to the accuracy or reliability of any information obtained through the Website or any services or that defects in the services will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained using the services is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material and/or data. We make no warranty regarding any goods or services purchased or obtained through the Website or any transactions entered through the Website. No advice or information, whether oral or written, obtained by you from us or through the Website shall create any warranty not expressly made herein.

Limitation of liability

To the fullest extent permitted by applicable law, in no event will GOVA, its affiliates, officers, directors, employees, agents, suppliers or licensors be liable to any person for (a): any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use or content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) however caused, under any theory of liability, including, without limitation, contract, tort, warranty, breach of statutory duty, negligence or otherwise, even if GOVA has been advised as to the possibility of such damages or could have foreseen such damages. To the maximum extent permitted by applicable law, the aggregate liability of GOVA and its affiliates, officers, employees, agents, suppliers and licensors, relating to the website and any services will be limited to an amount greater of one dollar or any amounts actually paid in cash by you to GOVA for the prior one month period prior to the first event or occurrence giving rise to such liability. The limitations and exclusions also apply if this remedy does not fully compensate you for any losses or fails of its essential purpose.

Indemnification

You agree to indemnify and hold GOVA and its affiliates, directors, officers, employees, and agents harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys’ fees, incurred in connection with or arising from any third-party allegations, claims, actions, disputes, or demands asserted against any of them as a result of or relating to your content, your breach of any terms of this Agreement, your use of the Website, or any services or any willful misconduct on your part.

Severability

All rights and restrictions contained in these Terms of Use may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render these Terms of Use illegal, invalid or unenforceable. If any provision or portion of any provision of these Terms of Use shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, it is the intention of the parties that the remaining provisions or portions thereof shall constitute their agreement with respect to the subject matter hereof, and all such remaining provisions or portions thereof shall remain in full force and effect.

Choice of Law and Jurisdiction
These Terms of Use shall be governed by the laws of the United States of America, without regard to any conflict of laws provisions. You hereby irrevocably consent to the exclusive jurisdiction of the courts located in the State of North Carolina in the United States in connection with any and all suits, actions or other proceedings arising out of or in connection with the Website, Website Content, or these Terms of Use. The Website and business are operated in the United States and we make no representation that the Website, Website Content, and/or the products featured on the Website are appropriate or available for use outside the United States. Our failure to insist upon or enforce strict performance of any provision of these Terms of Use shall not be construed as a waiver of any provision or right. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, you agree that the court should endeavor to give effect to the intentions as reflected in the provision, and the other provisions of these Terms of Use remain in full force and effect.

Changes and amendments

We reserve the right to modify these Terms of Use or its policies relating to the Website or any services at any time, effective upon posting of an updated version of these Terms of Use on the Website. When we do we will revise the updated date at the bottom of this page. Continued use of the Website after any such changes shall constitute your consent to such changes.

Acceptance of these terms

You acknowledge that you have read these Terms of Use and agree to all its terms and conditions. By using the Website or its services you agree to be bound by these Terms of Use. If you do not agree to abide by the terms of these Terms of Use, you are not authorized to use or access the Website and its services.

This Privacy Policy was last updated on July 1, 2023.