Last Updated: November 2025 Applies to: VLAI (Virtual Loan Advisors Intel)

 

1. General Information DisclaimerVirtual Loan Advisors Intel (“VLAI”, “we”, “our”, “us”) provides general financial education, loan estimations, and informational tools.We are not a bank, lender, credit union, or financial institution.All information on this website — including calculators, articles, chatbot responses, and recommendations — is for educational and informational purpose

s only.

 

2.The information we provide does not constitute:

 

 Legal advice

Tax advice Investment advice

Lending decisions

Users should consult Bank or Credit Union

 

3. No Guarantee of Accuracy

 

While we strive to maintain accuracy, we cannot guarantee:

That all information is current .

That all calculations reflect exact bank policies

That chatbot responses are error-free

That loan recommendations perfectly match every lender’s criterion

Financial requirements vary by institution and may change without notice.

 

4. No Guarantee of Loan Approval

 

VLAI does not approve or decline loans.

Loan approval depends solely on: The financial institution Credit checks

Income verification, Employment confirmation Underwriting rules Debt-to-income ratios and Compliance screening

Our tools provide estimates only, not guaranteed outcomes.

 

5. Referral DisclosureVLAI may receive a small referral fee from some partner banks or credit unions.This does not influence:

 

Calculator results Chatbot responses Users are free to choose any lender they prefer.

 

6. User Responsibility

 

Users are responsible for:

 

Verifying all information with official bank sources

 

Providing accurate income and debt details

Confirming interest rates, fees, and terms directly with lenders Using the website responsibly and legally

 

7. External Link Disclaimer

 

Our website contains links to:

Banks Credit unions financial institutions and educational resources

We are not responsible for: Their content Their policies Their fees or decisions .

Any outcomes related to using their services ,Users access external links at their own risk.

 

8. Limitation of LiabilityTo the fullest extent permitted by law, VLAI is not liable for:

Financial losses from Decision-making outcomes

Loan rejection

Missed opportunities

Errors in calculations

Delays or downtime

Inaccurate chatbot responses

Use of this website is at your own risk.

 

9. Updates to This Disclaimer

 

We may update this Disclaimer Policy from time to time. Changes will appear in the “Last Updated” date.

 

10. Contact Information If you have questions about this Disclaimer: 📧 support@vlai.com