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Terms and Conditions of Use

The following is an agreement between yourself (you) and Veterans United Home Loans. By using this website ("the website") and accessing any of the contents contained in it, you agree to be bound by the following terms and conditions. If you disagree with any of the Terms and Conditions of Use below, please navigate away from the site. These terms function closely with our Privacy Policy, so please review those too.

  1. Basic Disclaimers

    1. Veterans United Home Loans strives to ensure the information contained on the website is accurate, although occasionally errors may occur. Veterans United Home Loans reserves the right to make changes and/or improvements to this website at any time. Further, THIS WEBSITE AND THE INFORMATION, SOFTWARE, AND SERVICES ARE PROVIDED 'AS IS' WITH NO EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. VETERANS UNITED HOME LOANS, OR ANY OF ITS AFFILIATES, IS NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER INJURY ARISING OUT OF THE USE OF THE SITE.

  2. No Governmental Affiliation

    1. Veterans United Home Loans specializes in the VA Loan, which is a loan guaranteed by the United States government. Veterans United Home Loans is not a government agency, is not affiliated with any government agency and is not endorsed by any government agency.

  3. Intellectual Property

    1. All contents of the Site are the intellectual property of Veterans United Home Loans, 1400 Veterans United Dr., Columbia, MO 65203. The Site and its contents are copyright protected as of the date published. "Veterans United" and the "house logo" are federally registered trademarks of Mortgage Research Center, LLC. Mortgage Research Center, LLC, reserves all rights to any and all copyrights, trademarks or service marks located on the site.

  4. Loan Information Requests and E-SIGN

    1. When you submit a request for information (an "inquiry") through this website, a Home Loan Specialist will contact you, most likely by telephone at the phone number you provided. The loan specialist will ask you for additional information. WE WILL NOT ACCESS YOUR CREDIT WITHOUT YOUR EXPRESS VERBAL OR WRITTEN PERMISSION.

    2. E-SIGN Information: In order to better serve you, Veterans United Home Loans may provide you with certain records and communications ("Communications") in electronic format. By submitting an inquiry, you hereby consent to receive these Communications in electronic format. You have the right to receive Communications on paper or in a non-electronic format. You also have a right to withdraw your consent to receive the Communications in electronic format. This consent applies to the entire loan process. Some Communications will only be available to you and provided by Veterans United Home Loans in paper form, and a representative will indicate that at the appropriate time. Your decision to receive Communications in a paper or non-electronic format will have no impact or bearing on our decision to extend a firm offer of credit to you.

    3. If you desire only paper copies of the Communications, if you wish to withdraw your consent to receiving electronic Communications, or if you desire paper copies of Communications you have previously received, please contact customer service at 1-800-884-5560 or email welcome@vu.com so that we may update your information accordingly.

  5. Terms Applicable to Loan Request Services

    1. Veterans United Home Loans does not endorse, recommend, or steer consumers to any specific loan product that we offer, nor do we guarantee approval on any loan product. You make the ultimate decision on the loan product that is best for your individual financial situation. This Site and the contents provided are available on to the real estate in all fifty states in the U.S. and Washington, D.C. We will only provide lending services from licensed loan officers in the state you intend to purchase.

  6. Errors and Delays

    1. Veterans United Home Loans is not responsible for any errors or delays in responding to your inquiry arising out of inaccurate information provided by you, or any other cause outside of our commercially reasonable control.

  7. Costs

    1. There is no charge to you, as a consumer, for using the services provided on this Site. Your Home Loan Specialist will discuss any and all fees for receiving a loan from us and all fees will be provided consistent with state and federal laws.

  8. Dispute Resolution

    1. Any claim, dispute, or cause of action arising out of the use of the Site shall be subject to arbitration under the commercial arbitration rules of the American Arbitration Association, in a proceeding held before one arbitrator as chosen by Veterans United Home Loans. The arbitration shall occur in Boone County, Missouri. Any claim, dispute, or cause of action shall be resolved in the arbitration proceeding and shall be binding on all parties. You, as the consumer, waive and forfeit any and all rights to any action in state or federal court to defend or assert your rights.

  9. Indemnity

    1. You agree to indemnify Veterans United Home Loans and its' affiliates from and against any and all liabilities, expense (including attorney's fees) and damages arising out of any claims resulting from your use of this website, including without limitation any claims alleging facts that, if true, would constitute a breach by you of these Terms and Conditions of Use.

  10. Other Terms - Complete Agreement and Choice of Law

    1. This agreement between you and Veterans United Home Loans supersedes all prior communications, whether oral or written. To the extent allowable, this agreement shall be subject to the laws of the State of Missouri. All rights not expressly granted herein are reserved.

Homeowner Community Terms of Use Agreement

This Terms of Use Agreement (“Agreement”) constitutes a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Mortgage Research Center, LLC (“MRC”), concerning your access to and use of the Veterans United Home Loans Homeowner Community website (“website”). The website allows users to upload images and videos, and interact with other users content (collectively, the “Services”). The Services are free of charge. The Services are hosted in the United States. These Terms of Use are effective as of 2016-12-16.

  1. Eligibility

    Eligibility. By using the Services, you represent and warrant that: (a) all registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; and (d) your use of the Services does not violate any applicable law or regulation.

  2. User Representations and Warranties

    User Representations and Warranties. You are entirely responsible for the content of, and any harm resulting from, your postings to the Homeowner Community content hub (collectively, “Contribution”). When you create or make available a Contribution, you thereby represent and warrant that:

    1. the creation, distribution, transmission, public display and performance, accessing, downloading and copying of your Contribution does not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights of any third party;
    2. you have fully complied with any third-party licenses relating to your Contribution, and have done all things necessary to successfully pass through to viewers any required terms;
    3. your Contribution does not contain any viruses, worms, Trojan horses, malicious code or other harmful or destructive content;
    4. your Contribution is not obscene, lewd, lascivious, filthy, excessively violent, harassing or otherwise objectionable, libelous or slanderous, does not advocate the violent overthrow of the government of the United States, does not incite, encourage or threaten immediate physical harm against another, does not violate any applicable law, regulation, or rule, and does not violate the privacy or publicity rights of any third party;
    5. your Contribution does not contain material that solicits personal information from anyone under 18 or exploit people under the age of 18 in a sexual or violent manner, and does not violate any federal or state law concerning child pornography or otherwise intended to protect the health or well-being of minors;
    6. if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to make available the Contribution, or (ii) secured from your employer a waiver as to all rights in or to your Contribution;
    7. your Contribution does not violate any state or federal law designed to regulate electronic advertising;
    8. your Contribution does not amount to trolling, or the making of controversial statements for the sole purpose of generating responses by others;
    9. your Contribution does not constitute, contain, install or attempt to install or promote spyware, malware or other computer code, whether on Company's or others computers or equipment, designed to enable you or others to gather information about or monitor the online or other activities of another party;
    10. your Contribution does not inundate the website with communications or other traffic suggesting no serious intent to use the website for its stated purpose;
    11. your Contribution does not otherwise violate, or link to material that violates, any provision of this Agreement or any applicable law or regulation; and
    12. your Contribution does not contain pictures, data, audio or visual files, or any other content that is excessive in size, as determined by MRC in its sole discretion.
  3. Posting

    1. By posting your Content using the Services, you are granting to MRC an unrestricted, irrevocable, non-exclusive, royalty-free, perpetual, worldwide, and fully transferable, assignable, and sub-licensable right and license to use, copy, reproduce, modify, adapt, publish, translate, create collective or derivative works from, distribute, perform and display your Content in whole or in part and to incorporate it in other works in any form, media, or technology now known or later developed. You further warrant that all so-called moral rights in the content have been waived.
    2. By posting content to the website, you warrant and represent that you either own or otherwise control all of the rights to that content, including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the content, or that your use of the content is a protected fair use. You agree that you will not knowingly provide material and misleading false information. You represent and warrant also that the content you supply does not violate these Terms. It is your sole responsibility to ensure that your postings do not disclose confidential and/or proprietary information, including personal financial information, information covered by a nondisclosure agreement, and information that you are not authorized to disclose. We caution you not to disclose personal information about yourself or your children, such as social security numbers, credit card numbers, etc.
    3. You agree to indemnify and hold Us and Our affiliated companies, and their directors, officers and employees, harmless for any and all claims or demands, including reasonable attorney fees, that arise from or otherwise relate to your use of the website, any content you supply to the website, or your violation of these Terms or the rights of another.
  4. Prohibited Activities

    Prohibited Activities. You may not access or use the website for any other purpose other than that for which MRC makes it available. Certain activities, even if legal, may violate the common rules of etiquette governing Contributions, as determined by MRC in Company’s sole discretion. Prohibited activity includes, but is not limited to:

    1. criminal or tortious activity, including fraud, trafficking in obscene material, gambling, harassment, stalking, spamming, copyright infringement, patent infringement, or theft of trade secrets;
    2. advertising to, or solicitation of, any user to buy or sell any products or services;
    3. transmitting chain letters or junk email to other users;
    4. using any information obtained from the website in order to contact, advertise to, solicit, or sell to any user without their prior explicit consent;
    5. engaging in any automated use of the system, such as using scripts to add friends or send comments or messages;
    6. interfering with, disrupting, or creating an undue burden on the website or the networks or services connected to the website;
    7. attempting to impersonate another user or person;
    8. using the username of another user;
    9. selling or otherwise transferring your profile;
    10. using any information obtained from the website in order to harass, abuse, or harm another person;
    11. displaying an advertisement, or accepting payment or anything of value from a third person in exchange for your performing any commercial activity on or through the website on behalf of that person, such as posting blogs or bulletins with a commercial purpose; and
    12. using the website in a manner inconsistent with any and all applicable laws and regulations.
  5. Site Registration

    In order to access some of the services on this site, you will be required to use an account that can be obtained by completing our online registration form, which requests certain information and data (“Registration Data”), and maintaining and updating your Registration Data as required. By registering, you agree that all information provided in the Registration Data is true and accurate and that you will maintain and update this information as required in order to keep it current, complete, and accurate.

    You also grant us the right to disclose to third parties certain Registration Data about you. The information we obtain through your use of this site, including your Registration Data, is subject to our Privacy Policy which is specifically incorporated by reference into these Terms of Use.

  6. Right to Terminate Users

    MRC Retains the Right to Terminate Users. WITHOUT LIMITING ANY OTHER PROVISION OF THIS AGREEMENT, MRCRESERVES THE RIGHT TO, IN COMPANY'S SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY DENY ACCESS TO AND USE OF THE WEB SITE TO, ANY PERSON FOR ANY REASON OR FOR NO REASON AT ALL, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY OR COVENANT CONTAINED IN THIS AGREEMENT, OR OF ANY APPLICABLE LAW OR REGULATION.

  7. Term

    Term. This Agreement shall remain in full force and effect while you use the Services or are a User. You may terminate your use or participation at any time, for any reason, by emailing socialmedia@vu.com. The request will be processed in 1-3 business days. MRC may terminate your use or participation at any time, without warning. Even after your use and participation is terminated, this Agreement will remain in effect.

  8. Digital Millennium Copyright Act

    Copyright Policy. MRC will terminate the account and access rights of any repeat infringer. If you are a copyright owner or the legal agent of a copyright owner, and you believe that any User submission or content on the website infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) Notice to:

    Contact: Brock Cooper

    Address: 1400 Veterans United Drive, Columbia, Missouri 65203

    Phone: 573-876-2600

    Please visit veteransunited.com/copyright/ or email copyright@veteransunited.com to learn more about how to file complaints with Company.

  9. Disclaimers

    Disclaimers. MRC cannot control the nature of the content available on the website. By operating the website, MRC does not represent or imply that MRC endorses any blogs, Contributions or other content available on or linked to by the website, including without limitation content hosted on third party websites, or that MRC believes Contributions, blogs or other content to be accurate, useful or non-harmful.

Please Print and Retain a Copy of this Agreement for Your Records.

Veterans United Home Loans (Last Updated: January 3, 2017)

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