These Terms and Conditions ("Agreement) govern your use of the services provided by Vanta Capital ("we", "us", "our") for loan consultation services for Small and Medium Enterprises ("SMEs").

By accessing or using our website, services, or content, you agree to comply with and be bound these terms.

If you do not agree to these terms, you should not use our services.

 1.  Services Provided

Vanta Capital offers loan consultation services for SMEs. These services include, but are not limited to: 

• Financial assessments to help businesses evaluate their eligibility for loans.
• Advice and consultation on obtaining financing from various financial institutions and lenders.
• Assistance in preparing and submitting loan applications.
• General business financial advisory services.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding contract to use our services. Our services are only available to businesses that meet the eligibility criteria specified by us and the financial institutions with whom we work.

3. Client Responsibilities

By using our services, you agree to:

• Provide accurate, complete, and up-to-date information about your business and financial situation.
• Respond to requests for information or documentation in a timely manner.
• Be responsible for ensuring that all data you provide to us is correct and truthful.
• Comply with all applicable laws, regulations, and financial institution requirements when seeking loan consultation services.

4. Fees and Payment

• Our services are provided for a fee, which will be communicated to you before any work begins.
• The fees for consultation services may vary depending on the complexity and scope of the services provided.
• You agree to pay all applicable fees, taxes, and charges associated with our services promptly upon receipt of the corresponding invoice.

We reserve the right to update or modify our fees from time to time, and we will provide notice of any changes.

5. Confidentiality and Privacy

We respect your privacy. Your personal and business information will be handled in accordance with our Privacy Policy, which is incorporated into these Terms & Conditions by reference. You agree not to share any proprietary or confidential information we provide to you without prior written consent from Vanta Capital.

6. Intellectual Property

All content, materials, documents, and intellectual property provided by Vanta Capital, including but not limited to website content, reports, and advice, are owned by Vanta Capital or licensed to us. You agree not to copy, distribute, modify, or create derivative works from any of our intellectual property without our express written consent.

7. Use of Services

You agree that you will not use our services for any unlawful or prohibited activities, including but not limited to:

• Engaging in fraudulent activities or providing false or misleading information.
• Using our services to violate any laws, regulations, or third-party rights.
• Interfering with or disrupting the functioning of our website or services.

We reserve the right to suspend or terminate access to our services if we believe you are violating these Terms & Conditions.

8. Limitation of Liability

To the fullest extent permitted by law, Vanta Capital is not liable for any indirect, incidental, special, or consequential damages arising from or in connection with your use of our services. Our liability for any claims related to our services will be limited to the fees you have paid for the specific service in question. We do not guarantee that our services will result in obtaining a loan or any specific financial outcome. All loan decisions are ultimately made by the financial institutions or lenders, not by Vanta Capital.

9. Indemnification

You agree to indemnify, defend, and hold harmless Vanta Capital, its officers, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of our services, your violation of these Terms & Conditions, or any third-party rights.

10. Termination

We reserve the right to suspend or terminate our services at any time for any reason, including but not limited to, if we believe you have violated these Terms & Conditions or engaged in any unlawful activities. Upon termination, any outstanding fees owed by you will become immediately due and payable.

11. Force Majeure

Vanta Capital shall not be held liable for any failure to perform our obligations under this Agreement due to circumstances beyond our reasonable control, including but not limited to acts of nature, government actions, technological failures, or disruptions.

12. Amendments

We reserve the right to modify or update these Terms & Conditions at any time. Any changes will be posted on our website, and the updated terms will be effective immediately upon posting. We encourage you to review these Terms & Conditions periodically for any updates.

9. Governing Law and Dispute Resolution

This Agreement is governed by and construed in accordance with the laws of the jurisdiction in which Vanta Capital is based, without regard to its conflict of law principles.

Any disputes arising from or in connection with this Agreement will be resolved through informal negotiations. If the dispute cannot be resolved informally, it will be submitted to binding arbitration in accordance with the rules of the American Arbitration Association (or equivalent organization) in the jurisdiction where Vanta Capital operates.

10. Contact Us

If you have any questions or concerns about these Terms & Conditions or our services, please contact us at Vanta Capital:

Email: support@vantacapital.com

Phone: 011-5276 2222 / 03-2701 2222

Address: Unit 26.4, Level 26, Menara AlA Sentral, 30, Jln Sultan Ismail, 50250 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur