These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Viking Financial Services ("Viking," "we," "us," or "our") governing your access to and use of our website located at vikingfinancialservices.com (the "Site") and all related services offered by Viking Financial Services.
By accessing or using our Site, submitting a funding application, or engaging with our services in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately discontinue use of the Site and our services.
These Terms should be read in conjunction with our Privacy Policy, which is incorporated herein by reference.
Viking Financial Services is a direct business lender that provides funding solutions to qualifying businesses, including but not limited to:
The information provided on our Site is for general informational purposes and does not constitute a commitment to lend, a loan offer, or a guarantee of funding. All funding decisions are subject to our internal underwriting criteria, applicable laws, and the specific terms of any loan agreement.
To use our Site and apply for business funding, you must:
By submitting an application, you represent and warrant that you meet all eligibility requirements and that all information you provide is accurate, complete, and not misleading.
Submission of a funding application through our Site does not guarantee approval or funding. All applications are subject to review and approval in Viking Financial Services' sole discretion. We reserve the right to request additional documentation, verify submitted information, and decline any application without obligation to disclose reasons.
By submitting an application, you authorize Viking Financial Services to:
Any funding agreement entered into with Viking Financial Services will be governed by the separate loan or financing documents provided at the time of closing. Those documents constitute the binding agreement and supersede any prior representations or discussions.
By opting in to receive SMS/MMS messages from Viking Financial Services, you expressly consent to receive recurring marketing and promotional text messages, including information about our financial products, services, offers, and updates, sent via an automated telephone dialing system (ATDS).
Message frequency varies. You may receive up to 4 messages per month.
Message and data rates may apply depending on your mobile carrier and plan.
To opt out: Reply STOP to any SMS message at any time. You will receive a one-time confirmation that you have been unsubscribed. No further messages will be sent unless you opt back in.
For help: Reply HELP or contact us at pamela@vikingfinancialservices.com.
Consent is NOT a condition of purchase. You may receive our business funding services without consenting to SMS communications.
Supported carriers include (but are not limited to): AT&T, Verizon, T-Mobile, Sprint, Boost Mobile, MetroPCS, U.S. Cellular, and other major U.S. carriers. Viking Financial Services is not liable for delayed or undelivered messages due to carrier issues.
You may opt in to SMS communications by checking the SMS consent box on our contact/application form. Your opt-in is voluntary, revocable at any time, and not required to receive any service from Viking Financial Services.
You may opt out at any time by replying STOP to any text message from Viking Financial Services. You may also opt out by emailing us at pamela@vikingfinancialservices.com. Your opt-out will be processed within 24 hours.
Our SMS program complies with applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA) and carrier messaging guidelines. We do not share opt-in data with third parties for marketing purposes.
You agree to use our Site only for lawful purposes and in accordance with these Terms. You agree not to:
We reserve the right to suspend or terminate your access to the Site for violation of these Terms or for any other reason at our sole discretion.
All content on this Site — including text, graphics, logos, images, audio clips, and software — is the property of Viking Financial Services or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may access and use the Site for personal, non-commercial purposes related to evaluating our services. You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this Site without our prior written consent.
THE SITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED THEREON ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. VIKING FINANCIAL SERVICES EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, secure, or free from viruses. We do not guarantee the accuracy, completeness, or timeliness of any information on the Site. Any reliance on Site content is at your own risk.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VIKING FINANCIAL SERVICES AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE AMOUNT PAID BY YOU TO VIKING FINANCIAL SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Viking Financial Services and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of the Site; (c) your submission of false or misleading information; or (d) your violation of any applicable law or the rights of any third party.
These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions.
Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach thereof, shall first be attempted to be resolved through good-faith negotiation. If informal resolution fails, disputes shall be resolved by binding arbitration conducted in Atlanta, Georgia in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
Viking Financial Services reserves the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically to stay informed of any updates. Material changes will be communicated via notice on our Site or by email where applicable.
If you have questions about these Terms & Conditions, please contact us:
Viking Financial Services
1151 Hammond Dr NE, Suite 240
Atlanta, GA 30346
Email: pamela@vikingfinancialservices.com
We will respond to legal inquiries within 30 days of receipt.