1. Acceptance of the Terms of Use

These terms of use are entered into by and between You and Vision Lab Agency s.r.o. d/b/a VisionXlab ("Company," "we," or "us"). The following terms and conditions (collectively, "Terms of Use") govern your access to and use of https://www.visionxlab.cz (the "Website").

By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

2. Eligibility

This Website is offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company.

3. Description of Services & NO GUARANTEE OF RESULTS

VisionXlab provides online marketing services. We collect inquiries from individuals interested in mortgage or financial information and contact them directly to discuss their needs.

Important Disclaimers:

• VisionXlab is not a lender or financial institution. We do not make credit decisions, originate loans, or process loan applications.
• NO GUARANTEE OF RESULTS: We do not guarantee that your use of the Website will result in any specific outcome (e.g., obtaining a loan or specific rate). All decisions are made by third-party lenders, not VisionXlab.
• No Lead Selling: We do not sell your personal information to third-party lenders for the purpose of them contacting you directly without your involvement. All initial communications will come from VisionXlab.

4. Prohibited Uses

You agree to use the Website only for lawful purposes. You agree not to submit false information, impersonate any person, or use automated devices (bots) to access the Website.

5. TCPA Consent & Telemarketing

By submitting your telephone number on our Website forms, you expressly authorize VisionXlab to contact you regarding your inquiry via telephone calls, SMS, or MMS text messages.

You specifically acknowledge and agree that:

• Such communications may be generated using an automated telephone dialing system (autodialer) or artificial voice.
• You consent to receive these communications even if your telephone number is listed on any corporate, state, or federal "Do Not Call" registry.
• Your consent is not a condition of purchase.
• Standard message and data rates may apply.

Opt-Out: You may revoke this consent at any time by replying STOP to any text message we send, or by contacting us at legal@visionxlab.cz.

6. Intellectual Property Rights

The Website and its entire contents are owned by the Company and are protected by United States, Czech Republic, and international copyright laws. You must not reproduce or distribute any material on our Website without permission.

7. Disclaimer of Warranties

YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

8. Limitation on Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING OUT OF YOUR USE OF THE WEBSITE, INCLUDING DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES.

9. Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use shall be governed by the internal laws of the Czech Republic. Any legal suit, action, or proceeding shall be instituted exclusively in the courts of Prague, Czech Republic.

10. Contact Information

This website is operated by:Vision Lab Agency s.r.o.Na Folimance 2155/15, Vinohrady (Praha 2)120 00 Praha, Czech Republic

All communications relating to the Website should be directed to: legal@visionxlab.cz.

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