Terms & Conditions

1. SCOPE AND ACCEPTANCE
These Terms and Conditions govern all access to and use of the V Nation Corp secure client payment portal and website interfaces. By logging in, registering an account, utilizing our communication channels, or initiating a digital remittance, you acknowledge that you have read, understood, and contractually agreed to these terms.

2. COMMUNICATION PROTOCOL
We employ various communication methods to interact with you, which may include email, voicemail, mail, text and SMS messaging, as well as in-person communication. Certain messages may be conveyed through multiple channels. These communications are confidential and are intended solely for your use or for individuals authorized to represent you. 

3. ACCOUNT SECURITY & PORTAL LIABILITY
You are solely responsible for maintaining the absolute confidentiality of your portal credentials and multi-factor authentication devices. You agree to notify V Nation Corp immediately at support@vnationcorp.com regarding any unauthorized access or suspected portal compromise.

4. STRICT PORTAL PAYMENT RULES
To maintain compliant accounting across our California portfolio, the following structural serving restrictions are enforced within this portal:
* Delinquent Accounts: If a mortgage loan account is thirty (30) days or more past due, online portal payment capabilities may be locked. Borrowers must contact our Loan Servicing Department directly at (949) 229-8666 to arrange a certified, manual remittance.
* Rejection of Partial Payments: V Nation Corp does not accept unapplied partial mortgage payments through this digital interface. Any partial balances transmitted will be held for up to five (5) business days to clear processing and will be returned to the borrower’s address of record via mail.
* Authorized Payment Methods: Online portal transactions are strictly limited to authorized bank routing (ACH) and verified debit cards. Payments via credit card are entirely prohibited.

5. ACH & ELECTRONIC PAYMENT DISCLOSURES
* Authorization and Consent: By linking a checking or savings account via the V Nation Corp payment portal, you authorize V Nation Corp to initiate electronic debit entries (ACH) from your designated financial institution to fulfill your contractual obligations (including loan payments, escrow fees, and property rents).
* One-Time and Recurring (AutoPay) Payments: You authorize V Nation Corp to debit your account for the exact specified amount on the date you input. If you enroll in AutoPay, you authorize V Nation Corp to automatically execute a recurring monthly ACH debit from your account on your scheduled due date. This authorization remains in full force until you log into the portal and cancel your enrollment at least three (3) business days prior to the next scheduled payment date.
* Account Sufficiency: You are responsible for ensuring your bank account contains sufficient cleared funds on the settlement date. If an ACH debit is returned unpaid due to Non-Sufficient Funds (NSF), account closure, or incorrect banking details, V Nation Corp reserves the right to charge a standard returned payment fee, up to the maximum permitted by California law. Unpaid returns will instantly result in your payment being marked as late, which may trigger standard contractual late penalties.

6. ERROR RESOLUTION NOTICE
* How to Notify Us of Errors: If you believe your payment history, online transaction ledger, loan summary balance, or statement contains an error—or if you need more information about a transaction displayed in your secure V Nation account portal—contact us immediately via email at support@vnationcorp.com, phone at (949) 229-8666, or by mail at V Nation Corp Loan Servicing Dept, 4199 Flat Rock Road, Suite 130, Riverside, CA 92505.
* Timeline for Reporting and Investigation: We must hear from you no later than sixty (60) days after the first online statement or paper ledger notification was made available on which the suspected error appeared. Your dispute notice must include your name, account number, a clear explanation of the error, and the precise dollar amount involved. We will acknowledge your notice within ten (10) business days and investigate promptly.

7. LIMITATION OF LIABILITY
V Nation Corp is not liable for system-wide network disruptions, bank holiday delays, clearinghouse backlogs, or browser-side technical failures on your device. Timely contractual delivery of your mortgage, rent, or escrow obligation remains your exclusive responsibility.