Terms & Conditions

Effective Date: January 1, 2026

Welcome to VILLAPAS SERVICE INC. By accessing our website or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.

1. Acceptance of Terms

By using our website (villapasservice.com) or engaging with our financial services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy.

If you do not agree to these terms, please do not use our website or services.

2. Services Provided

VILLAPAS SERVICE INC is a direct business lender providing financing solutions including, but not limited to:

• Working capital loans
• Equipment financing
• Commercial real estate loans
• Revenue-based financing
• Bridge loans
• Business lines of credit

All financing products are subject to credit approval and underwriting review. Terms, rates, and availability may vary based on applicant qualifications, business performance, and other factors.

3. Eligibility

To be eligible for our services, you must:

• Be at least 18 years of age
• Have legal authority to bind your business to a financing agreement
• Operate a legitimate business entity registered in the United States
• Provide accurate and complete information in your application

4. Application Process

When you submit a financing application, you authorize VILLAPAS SERVICE INC to:

• Obtain and review your personal and business credit reports
• Verify information with third parties, including financial institutions, credit bureaus, and references
• Contact you via phone, email, or text message (if you have opted in) regarding your application

All information provided in your application must be accurate, complete, and current. Providing false or misleading information may result in application denial or loan default.

5. SMS Terms & Conditions

If you opt in to receive SMS/text messages from VILLAPAS SERVICE INC, the following terms apply:

Message Program

By providing your mobile phone number and opting in, you consent to receive recurring marketing and promotional SMS/MMS messages from VILLAPAS SERVICE INC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Frequency & Cost

Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan. Check with your carrier for details.

Opt-Out

You can stop receiving messages at any time by replying STOP to any text message from us. After you send STOP, we will confirm your opt-out. You may receive one final confirmation message.

Help

For help, reply HELP to any message or email us at juan@villapasservice.com.

Consent Not Required

Consent to receive SMS messages is NOT a condition of purchase or of receiving any goods or services from VILLAPAS SERVICE INC. You may still contact us via email or other means.

Supported Carriers

Messages are supported by major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Message delivery is subject to carrier limitations and may not be available in all areas.

6. Loan Terms & Conditions

If your financing application is approved, specific loan terms will be provided in a separate loan agreement, which may include:

• Loan amount and funding timeline
• Interest rate and fees
• Repayment schedule and term length
• Prepayment terms
• Default and collection procedures
• Security interest or collateral requirements

You agree to repay all borrowed funds according to the terms outlined in your loan agreement. Failure to repay may result in additional fees, damage to your credit, and collection action.

7. Interest Rates & Fees

Interest rates and fees vary based on:

• Applicant creditworthiness
• Business financials and performance
• Loan type, amount, and term
• Collateral or security provided

All rates and fees will be disclosed to you before you accept any financing offer. No fees are charged unless you accept and close a loan.

8. Use of Website

You agree to use our website only for lawful purposes. You may not:

• Attempt to gain unauthorized access to our systems or user accounts
• Transmit viruses, malware, or harmful code
• Impersonate another person or entity
• Scrape, copy, or reproduce website content without permission
• Interfere with the proper functioning of the website

9. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of VILLAPAS SERVICE INC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without express written permission.

10. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee that our website will be uninterrupted, error-free, or secure.

11. Limitation of Liability

To the fullest extent permitted by law, VILLAPAS SERVICE INC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.

12. Indemnification

You agree to indemnify, defend, and hold harmless VILLAPAS SERVICE INC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

• Your use of our website or services
• Your breach of these Terms & Conditions
• Your violation of any law or the rights of a third party

13. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Any disputes arising from these terms or your use of our services shall be resolved in the state or federal courts located in Lee County, Florida.

14. Changes to Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Effective Date." Your continued use of our website or services after changes are posted constitutes acceptance of the updated terms.

15. Severability

If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Contact Information

If you have questions about these Terms & Conditions, please contact us:

VILLAPAS SERVICE INC
10080 Intercom Drive Unit A3
Fort Myers, FL 33912
Email: juan@villapasservice.com