Terms of Service

1. Agreement to Terms

By accessing or using the services provided by Visto Credit LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Description of Services

Visto Credit LLC provides a financial education and credit monitoring platform designed to help users understand and improve their credit scores, track their financial accounts, and prepare for major financial decisions such as mortgage applications.

Our services include but are not limited to:

• Credit score tracking and monitoring
• Financial account aggregation and management
• Educational content about credit and personal finance
• Personalized recommendations for credit improvement
• Mortgage readiness assessment tools

3. User Accounts

To use certain features of our services, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and accept all risks of unauthorized access
• Notify us immediately if you discover or suspect any security breaches

You are responsible for all activities that occur under your account.

4. Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you consent to our collection and use of data as described in the Privacy Policy.

5. Financial Information Disclaimer

Important: The information provided through our services is for educational and informational purposes only. It is not intended to be, and should not be construed as, financial, legal, tax, or investment advice.

We do not guarantee the accuracy, completeness, or timeliness of any information provided. Credit scores and financial data displayed may differ from scores used by lenders and other financial institutions.

You should consult with qualified professionals before making any financial decisions based on information obtained through our services.

6. Third-Party Services

Our services may integrate with third-party services, including but not limited to Plaid for financial data aggregation. Your use of such third-party services is subject to their respective terms of service and privacy policies.

We are not responsible for the practices or content of third-party services.

7. Prohibited Conduct

You agree not to:

• Use our services for any unlawful purpose
• Attempt to gain unauthorized access to our systems or other user accounts
• Interfere with or disrupt the integrity or performance of our services
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity
• Collect or harvest user data without authorization
• Use our services to send spam or unsolicited communications

8. Intellectual Property

All content, features, and functionality of our services, including but not limited to text, graphics, logos, and software, are the exclusive property of Visto Credit LLC and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works of any content without our prior written consent.

9. Limitation of Liability

To the maximum extent permitted by law, Visto Credit LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers
• Any interruption or cessation of transmission to or from our services
• Any errors or omissions in any content

10. Indemnification

You agree to indemnify and hold harmless Visto Credit LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of our services after any changes constitutes acceptance of the new Terms.

12. Termination

We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms.

Upon termination, your right to use our services will immediately cease.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

14. Contact Us

If you have any questions about these Terms, please contact us at: