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Affiliate & Referral Disclosure Policy

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

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1. Purpose of This Policy

This Affiliate & Referral Disclosure Policy explains how VLAI (“we”, “our”, “us”) earns referral fees and outlines our commitment to transparency, neutrality, and fairness in our loan-related recommendations.

We believe users deserve to understand how we operate and how referrals may influence (or not influence) the information provided.

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2. What Is a Referral or Affiliate Relationship?

A referral or affiliate relationship means that:

  • VLAI may receive a small fee or commission

  • When a user chooses to proceed with certain banks or credit unions

  • Through links, referrals, or introductions made on our website or chatbot

This fee is paid by the institution, not the user.

Users never pay extra because of a referral.

 

3. How VLAI Uses Referral Links

Our chatbot (Riley, William), calculators, and website may include:

  • Clickable links to banks and credit unions

  • General recommendations

  • Information on lending categories (personal loan, mortgage, vehicle, credit card, etc.)

Some of these links may be referral or affiliate links.

Where applicable, VLAI may be compensated if a user:

  • Visits the lender’s website

  • Contacts the lender

  • Submits an application

  • Is approved for a product

 

4. Referral Fees Do Not Influence Recommendations

VLAI is built on neutrality and fairness.

Referral partnerships do not affect:

  • The advice given

  • Prequalification calculations

  • Document checklists

  • Affordability assessments

  • The order of recommended institutions

  • The information provided in chat or tools

We do not promote lenders based on commissions.

 

5. No Exclusive Partnerships

VLAI is independent.
We do not have exclusive agreements with any one bank or credit union.

Our platform may include:

  • Banks

  • Credit unions

  • Non-bank lenders

  • Mortgage providers

Users are always free to choose any financial institution, even one not listed.

 

6. Transparency to Users

 

We prioritize transparency by:

  • Clearly labeling sponsored or promotional links

  • Disclosing referral relationships in tools and chatbots

  • Avoiding hidden affiliate practices

  • Using simple language to explain how referrals work

 

7. User Choice

Users maintain complete freedom to:

  • Select the lender they prefer

  • Compare multiple institutions

  • Ignore referrals

  • Request additional options not listed

Our tools are designed to empower—not influence—decisions.

 

8. No Impact on Costs

Referral fees never increase:

  • Interest rates

  • Loan fees

  • Closing costs

  • Processing costs

Costs remain fully determined by the financial institution.

 

9. How Referral Fees Support VLAI

Funds help support:

  • Website hosting

  • Maintenance

  • Calculator updates

  • Chatbot improvements

  • Free educational tools

This allows us to keep many services free for users.

 

10. Updates to This Policy

We may update this Referral & Affiliate Policy periodically.
All updates will be reflected in the “Last Updated” date.

 

11. Contact Information

For questions about referral relationships:
📧 support@vlai.com

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