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Welcome to Virtual Loan Advisors Intel (“VLAI”, “we”, “our”, “us”).

 

1.By accessing or using our website, loan calculators, chatbots, or any services offered through VLAI, you agree to these Terms & Conditions. If you do not agree, please discontinue use of our platform.

 

2. Purpose of the Website VLAI provides:

 

Loan prequalification estimates

 

Educational tools such as calculators (TDSR, cash-flow, mortgage, etc.)

 

General financial information

 

Referrals to banks and credit unions

 

A chatbot-based advisory service

 

VLAI is not a bank or lending institution.

 

All information provided is for educational and informational purposes only.

 

3. Eligibility

 

To use this website, you must:

 

Be at least 18 years old

Provide accurate and truthful information

Not use the website for fraudulent or illegal activity

 

4. Educational Use Only (Important)

 

All estimates, recommendations, and chatbot responses are provided for general guidance only.

They do not constitute: Financial advice, Legal advice Tax advice.

Loan approval final decisions rest solely with the bank or lending institution.

 

5. No Guarantee of Loan Approval

 

VLAI offers preliminary estimates.

We do not: Approve, reject, or process loans.

Influence lenders’ decisions

Guarantee interest rates, terms, or eligibility

Each financial institution has its own underwriting policies.

 

6. User Responsibilities

 

You agree to:

 

Provide accurate income and debt informationUse the website respectfully and legally

Not attempt to access restricted areas or interfere with systems

Not copy or scrape VLAI tools, content, or code

 

7. Intellectual Property

 

All content on VLAI — including text, calculators, code, tools, videos, logos, and branding is the property of VLAI and protected by copyright and intellectual property laws.

 

You may not:

 

Republish or copy content

 

Sell or resell tools or materials

Use our branding without written permission

 

8. Limitation of Liability

 

VLAI is not liable for:

 

Decisions made based on estimates

Losses resulting from loan rejection

Errors, delays, or interruptions in the website

Financial outcomes based on calculations or chatbot responses

Use of the platform is at your own risk.

 

9. Third-Party Links Our website includes links to banks, credit unions, and external resources.

 

We are not responsible for:

Their content

Their privacy practices

Their lending decisions

Clicking external links is at the user's discretion.

 

10. Referral Relationships

 

VLAI may receive a small referral fee from certain lenders if a user chooses to proceed with them.

 

This does not influence:

 

Information provided Prequalification outcomes

Users may choose any lender they prefer.

 

11. Modifications to the Website

 

We reserve the right to:

 

Update tools

Change features

Add or remove services

Revise these Terms

Updates will be reflected in the “Last Updated” date

 

12. Termination of Access

 

We may suspend or terminate access if:

 

Misuse or abuse is detected

Illegal activity is suspected

Terms are violated

 

13. Governing Lathes

Terms are governed by the laws of Saint Lucia.1

 

14. Contact InformationFor questions or concerns:📧 support@vlai.com(Replace with your official email if needed.)