Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website located at vultana.com (the “Site”) and any services offered by Vultana, a subsidiary of Skyrise Concepts, LLC (“Vultana,” “we,” “us,” or “our”). By accessing or using the Site, submitting an inquiry, or engaging with our services, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Who We Are

Vultana is a business finance and payments referral and advisory company. Vultana connects business owners with third-party lenders, financing sources, and payment processing partners. Vultana is not a bank, is not a lender, and does not itself extend credit, make lending decisions, or hold or process card payments. Financing products referenced on the Site are offered solely by independent third-party lending partners, and payment processing services referenced on the Site are provided solely by Payarc and its sponsoring financial institutions, as described in our Payment Terms.

2. Eligibility and Accurate Information

The Site and our services are intended for business owners and authorized representatives of a business who are at least 18 years old. By submitting information through our contact form or otherwise, you represent that you are authorized to act on behalf of the business you identify and that the information you provide is accurate, current, and complete.

3. No Guarantee of Approval, Rates, or Results

Any discussion of financing, payment processing, rates, pricing, or terms on the Site is general in nature and for informational purposes only. Submitting an inquiry through the Site does not guarantee that you will be approved for financing or onboarded for payment processing. All financing is subject to the underwriting requirements and sole discretion of the applicable third-party lender, and approval, rates, terms, and available amounts are never guaranteed. Similarly, use of payment processing services is subject to Payarc’s (and its sponsor banks’) own underwriting, approval, and account terms.

4. Not Financial, Legal, or Tax Advice

Nothing on the Site, and no communication with Vultana or its representatives, constitutes financial, legal, tax, or accounting advice. You should consult your own qualified professional advisors before making any financing, payment processing, or other business decision.

5. Third-Party Products, Services, and Websites

The Site may reference, link to, or facilitate introductions to third-party lenders, financial institutions, and payment processing partners, including Payarc. These third parties operate independently of Vultana, are responsible for their own products, services, agreements, pricing, and conduct, and are governed by their own terms and privacy policies — including, for payment processing, Payarc’s Terms and Conditions available at payarc.com/terms-and-conditions. Vultana does not control, endorse, warrant, or assume any responsibility or liability for the products, services, actions, omissions, security practices, or content of any third party. Any agreement you enter into with a lender or with Payarc is solely between you and that third party.

6. Compensation Disclosure

Vultana may receive referral fees or other compensation from the lending and payment processing partners to which we refer business owners, including Payarc. This compensation does not affect the accuracy of information we provide, but you should be aware that Vultana has a financial relationship with the partners it recommends.

7. Acceptable Use

You agree not to: (a) use the Site for any unlawful purpose or in violation of these Terms; (b) submit false, misleading, or fraudulent information; (c) interfere with or disrupt the Site’s operation or security; (d) attempt to gain unauthorized access to any portion of the Site or related systems; (e) scrape, harvest, or misuse data from the Site; or (f) use the Site to transmit malicious code.

8. Intellectual Property

The Site and its content, including text, graphics, logos, and design, are owned by or licensed to Vultana and are protected by applicable intellectual property laws. Except as necessary to view and use the Site for its intended purpose, you may not copy, reproduce, distribute, modify, or create derivative works from any part of the Site without our prior written consent.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT AND SERVICES MADE AVAILABLE THROUGH IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. VULTANA DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY FINANCING OR PAYMENT PROCESSING ARRANGEMENT WILL MEET YOUR EXPECTATIONS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VULTANA AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AFFILIATES (INCLUDING SKYRISE CONCEPTS, LLC) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, ANY THIRD-PARTY LENDING OR PAYMENT PROCESSING ARRANGEMENT, OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, VULTANA’S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

11. Indemnification

You agree to indemnify, defend, and hold harmless Vultana and its owners, officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Site; (b) your violation of these Terms; (c) inaccurate or misleading information you provide; or (d) your dealings with any third-party lender or payment processing partner, including Payarc.

12. Dispute Resolution; Arbitration Agreement

You and Vultana agree to first attempt to resolve any dispute informally by contacting us through the Contact page. If a dispute cannot be resolved informally within 30 days, you and Vultana agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Site shall be resolved by binding, individual arbitration, and not in a class, consolidated, or representative action. You and Vultana each waive any right to a jury trial and to participate in a class action. This arbitration agreement does not apply to disputes between you and any third-party lender or payment processing partner, which are governed by that party’s own agreement with you.

13. Governing Law

These Terms are governed by the laws of the State of Alabama, without regard to its conflict-of-laws principles, except where superseded by the arbitration agreement above.

14. Changes to These Terms

We may update these Terms from time to time. The “Last updated” date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

15. Severability; Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy and Payment Terms, constitute the entire agreement between you and Vultana regarding the Site.

16. Contact

Questions about these Terms can be directed to us through our Contact page.

This page is a general template and has not been reviewed by an attorney. Please have qualified legal counsel review and customize it — including the governing-law selection above — before relying on it.