Terms of service

1. Acceptance of terms

By accessing or using Vendorlogic ("the Platform"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Platform.

2. Description of service

Vendorlogic is a B2B credit application platform that enables vendors to receive, manage, and evaluate commercial credit applications. The platform facilitates trade reference collection, identity and business verification, and commercial trade-credit application workflows.

3. User accounts

You are responsible for maintaining the confidentiality of your account credentials. You must provide accurate and complete information during registration. You agree to notify us immediately of any unauthorized use of your account.

4. Acceptable use

You agree not to:

• Submit false or misleading information in credit applications
• Attempt to access accounts or data belonging to other users
• Use the platform for any illegal purpose
• Reverse engineer, decompile, or disassemble the platform
• Use automated systems to scrape or extract data

5. Data accuracy

Vendors are responsible for verifying applicant information through their own due diligence processes. Vendorlogic provides tools to facilitate credit evaluation but does not guarantee the accuracy of applicant-submitted data or third-party verification results.

6. Limitation of liability

Vendorlogic is provided "as is" without warranties of any kind. We are not liable for credit decisions made using the platform, data loss, or service interruptions. Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

6a. Trade-credit disclosures

Vendorlogic facilitates commercial trade-credit applications between merchants and vendors. Vendorlogic is a technology platform — it is not itself a lender, broker-dealer, or money transmitter, and it does not extend credit, make loans, or purchase receivables on its own behalf.

Any credit terms — limits, Net-30 / Net-60 payment schedules, and pricing — are set and extended solely by the vendor that receives an application, not by Vendorlogic. By submitting an application you acknowledge that a trade-credit account is a commercial arrangement between you and the vendor, sold to businesses and not a consumer loan.

6b. Insurance broker disclosures

Pending legal review: the platform's insurance-broker workflow (Maria persona) facilitates introductions and quote routing between business policyholders and licensed broker users of the platform. Specific broker-of-record, licensing-status, commission-disclosure, and jurisdictional authority-to-bind statements are subject to applicable state insurance regulations and must be authored by qualified counsel before this surface goes to general availability. Vendorlogic is a technology platform; it is not itself a licensed insurance producer.

7. Beta program

During the beta testing period, features may change, data may be reset, and the platform may experience downtime. Beta users acknowledge these conditions and agree to provide feedback to help improve the platform.

Beta users explicitly acknowledge that production-grade SLAs do not apply during the beta. Data may be reset, archived, or modified to accommodate feature changes; users should not rely on the beta environment as a system of record. Material changes to data-handling practices will be communicated by email to registered users.

7a. Governing law and dispute resolution

Pending legal review: governing-law, venue/jurisdiction, mandatory-arbitration, class-action-waiver, and informal-dispute-resolution clauses have not been authored and are intentionally not asserted here. These provisions require jurisdiction-specific drafting and must be reviewed by qualified counsel before they appear in a binding form.

8. Termination

Either party may terminate this agreement at any time. You may delete your account through the account settings page. We reserve the right to suspend or terminate accounts that violate these terms.

9. Contact

For questions about these terms, contact us at vinnie@vltest.net.