VSA Terms of Use

VSA — Verified SMB Access is developing a platform intended to connect eligible small businesses with financial institutions, business-support organizations, educational resources, and future opportunities.

The current portal is a pre-launch registration and business-readiness platform only.

VSA does not currently:

• Process financial transactions
• Provide loans or financing
• Approve or deny credit
• Perform underwriting
• Make credit decisions
• Guarantee access to funding
• Guarantee partner matching
• Act as a bank, lender, credit union, broker, financial adviser, or government agency

The portal is intended for authorized representatives of U.S. small businesses, financial institutions, and business-support organizations.

By using the portal, you represent that:

• You are at least 18 years old
• You have authority to submit information for the business or organization
• The information you provide is accurate and not misleading
• Your use of the portal complies with applicable law

Certain portal features require an authenticated account and verified email address.

You are responsible for:

• Providing accurate registration information
• Maintaining access to your email account
• Protecting your authenticated session
• Promptly notifying VSA of suspected unauthorized access
• Keeping your business or organization profile current

You may not create an account using another person's identity or without authorization from the represented business or organization.

Public users may register only as:

• Small Business
• Financial Institution / Partner

Administrator accounts are invitation-only and assigned manually by VSA.

Users may not attempt to obtain administrator access, alter their assigned role, bypass access controls, or access another user's profile.

You may use the portal to:

• Create and maintain an authorized profile
• Join the VSA early-access list
• Submit business-readiness information
• Express interest in future pilot opportunities
• Receive VSA communications that you have authorized
• Review and update permitted profile information

You may not:

• Submit false, fraudulent, misleading, or unauthorized information
• Access or attempt to access another user's account or information
• Circumvent authentication, permissions, or security controls
• Upload malicious code or interfere with portal operations
• Scrape, copy, harvest, or export information without authorization
• Use the portal for unlawful, deceptive, abusive, or discriminatory activity
• Impersonate another person, business, organization, or government entity
• Attempt to assign yourself an administrator role
• Use automated systems to overload or disrupt the platform
• Reverse engineer or misuse portal software except where prohibited by law

The pre-launch portal is not designed to collect highly sensitive financial or identity information.

Do not submit:

• Social Security numbers
• Bank account or payment-card information
• Tax returns
• Bank statements
• Government-issued identification
• Full EIN documents
• Credit reports
• Loan applications
• Authentication passwords
• Confidential customer information
• Sensitive financial documents

VSA may remove or restrict access to information that should not have been submitted.

You are responsible for ensuring that submitted information is complete, current, and accurate.

VSA may review information for administrative purposes but does not independently verify every statement submitted through the pre-launch portal.

VSA may request clarification, correction, or updated information.

Creating an account, submitting a profile, completing readiness questions, receiving a status update, or participating in a pilot does not create a right to:

• Funding
• Financing
• Credit approval
• A financial product
• Partner introductions
• Business services
• Acceptance into a pilot
• Continued access to the portal

Financial institutions, partners, and service providers make their own independent decisions.

Information provided through the portal is for general informational and educational purposes.

It is not legal, tax, accounting, investment, credit, or financial advice.

Users should consult qualified professionals regarding their specific circumstances.

By creating an account, you agree that VSA may send operational communications related to:

• Account creation
• Email verification
• Profile submission
• Security
• Policy updates
• Administrative review
• Portal changes

Marketing communications are optional and require separate consent.

You may unsubscribe from optional marketing messages without closing your portal account.

The portal may use or link to third-party services, including hosting, authentication, email-delivery, analytics, or external websites.

VSA does not control and is not responsible for third-party products, services, availability, security, privacy practices, or decisions.

Your use of third-party services may be governed by separate terms and policies.

The VSA name, branding, portal design, text, graphics, software, workflows, and other content are owned by or licensed to VSA and are protected by applicable intellectual-property laws.

You may not copy, reproduce, distribute, modify, sell, license, or create derivative works from VSA content without written authorization.

You retain ownership of information that you lawfully submit. You grant VSA permission to use that information as reasonably necessary to operate, secure, administer, and improve the portal.

VSA's collection and use of information are described in the VSA Privacy Policy.

By using the portal, you acknowledge that you have reviewed the Privacy Policy.

The portal may be modified, suspended, restricted, or discontinued at any time.

VSA does not guarantee that the portal will always be available, uninterrupted, secure, or error-free.

Features, eligibility standards, workflows, and pilot opportunities may change during development.

VSA may suspend or terminate access when reasonably necessary to:

• Protect users or the platform
• Investigate suspected fraud or misuse
• Enforce these Terms
• Comply with law
• Address inaccurate or unauthorized information
• Maintain portal security

Users may request account closure or deletion review by contacting info@verifiedsmbaccess.com.

Certain consent, security, audit, or legal records may be retained as permitted or required.

To the fullest extent permitted by law, the portal is provided on an "as is" and "as available" basis.

VSA makes no guarantee regarding:

• Funding availability
• Credit approval
• Partner participation
• Business outcomes
• Accuracy of third-party information
• Continuous portal availability
• Suitability for a particular purpose

To the fullest extent permitted by law, VSA and its owners, officers, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from use of or inability to use the portal.

VSA is not responsible for decisions, actions, fees, products, services, approvals, denials, losses, security practices, or omissions of any financial institution, partner, service provider, or third party.

To the extent permitted by law, you agree to be responsible for claims, losses, or expenses resulting from:

• Your unlawful use of the portal
• False or unauthorized information you submit
• Your violation of these Terms
• Your infringement of another party's rights

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles.

Any dispute will be handled in an appropriate court with jurisdiction, unless the parties agree to another lawful resolution process.

VSA may update these Terms periodically.

Updated Terms will be posted with a revised effective date. Where appropriate, registered users may be notified of material changes.

Continued use after updated Terms become effective constitutes acceptance of the revised Terms.

The VSA Campus Business Founders pathway is subject to the following additional terms:

• The program is intended for users who are at least 18 years old.
• Users must confirm that they are currently enrolled in an eligible U.S. postsecondary institution.
• Enrollment status is self-reported unless VSA later establishes a separate verification process.
• The program is for business ideas, startups, prototypes, side businesses, and registered businesses only.
• The program is not intended for tuition assistance, personal expenses, student loans, rent, or general financial aid.
• Users must submit accurate and authorized information. False or misleading information may result in account suspension or removal.
• Campus Business Founder accounts may not be shared or transferred.
• Conversion from a Campus Business Founder profile to an SMB profile requires administrator review and approval.
• Conversion to an SMB profile does not guarantee eligibility for VSA Founding 100 or any other program designation.
• VSA may suspend or remove accounts containing false, misleading, unauthorized, or non-business information.

VSA is not a college, university, financial-aid office, scholarship provider, lender, investor, grant-making agency, or government agency. VSA does not provide tuition assistance, financial aid, student loans, or scholarships.

Questions regarding these Terms may be sent to:

VSA — Verified SMB Access

Email: info@verifiedsmbaccess.com