Terms of Service

Last updated: January 1, 2025

1. Agreement to Terms

By accessing and using Vesta Capitale's website and services (collectively, the "Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this Service.

2. Description of Service

Vesta Capitale provides an online platform to apply for personal loans. Our services include:

  • Online loan application processing
  • Loan calculator tools
  • Customer support and communication
  • Educational resources about loan products

We are a registered Financial Agency operating in compliance with lending regulations.

3. Eligibility

To be eligible to use our Service, you must:

  • Be at least 18 years of age
  • Be a legal resident
  • Have a valid address
  • Provide accurate and complete information in your application
  • Not have been previously banned from using our Service

4. Loan Application Process

Application Submission

By submitting a loan application through our website, you:

  • Provide consent for us to collect and verify the information provided
  • Authorize us to conduct credit checks and background verification
  • Understand that submission does not guarantee loan approval
  • Agree to receive communications regarding your application

Approval Process

Loan approval is subject to:

  • Creditworthiness assessment
  • Income verification
  • Compliance with our lending criteria
  • Provincial and federal regulations

We aim to provide decisions within 24 hours of application submission.

5. Interest Rates and Fees

Interest Rates

Our annual percentage rates (APR) start from 3.5% and may vary based on:

  • Credit score and history
  • Loan amount and term
  • Province of residence
  • Current market conditions

Fees

We are committed to transparent pricing. All applicable fees will be clearly disclosed before you accept any loan offer. There are no hidden fees in our loan products.

6. User Responsibilities

As a user of our Service, you agree to:

  • Provide accurate, current, and complete information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized use of your account
  • Comply with all applicable laws and regulations
  • Not use the Service for any illegal or unauthorized purpose

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Vesta Capitale and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs the Service and informs users of our data collection practices.

9. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

10. Limitation of Liability

In no event shall Vesta Capitale, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the Service
  • Any conduct or content of any third party on the Service
  • Any content obtained from the Service
  • Unauthorized access, use or alteration of your transmissions or content

11. Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

12. Governing Law

These Terms shall be governed and construed in accordance with applicable laws, without regard to conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

14. Contact Information

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

  • By email: info@vestacapitale.com
  • Through our website: vestacapitale.com/contact.php

15. Loan Specific Terms

Repayment Terms

Loan repayment terms range from 6 months to 15 years, depending on the loan amount and type. Specific repayment schedules will be provided in your loan agreement.

Prepayment

Most loans allow for prepayment without penalty. Specific prepayment terms will be detailed in your loan agreement.

Default

Failure to make payments as scheduled may result in default. Consequences of default may include additional fees, collection activities, and negative credit reporting.