Terms of service.

Valtis Desk gives distributors a branded online credit application, sends trade reference requests to the vendors an applicant lists, collects electronic signatures, and produces an audit file for each application. Valtis Desk is a tool. It does not make credit decisions, give credit or legal advice, or act as a consumer reporting agency. Every credit decision is made by you.

Keep your sign-in details secure and tell us at support@valtisdesk.com if you think someone else has accessed your account. You are responsible for what happens in your account, and for the people you let use it. You must give accurate information and be at least 18.

When you use Valtis Desk to collect applications and references, you agree that:

• You will use the information only to evaluate and manage business credit, and you have a lawful reason to request it.
• You will follow the laws that apply to your credit process, which may include the Equal Credit Opportunity Act, the Fair Credit Reporting Act if you obtain consumer reports, and state privacy and e-signature laws.
• The terms, disclaimers and guarantee wording you show applicants are your own, and you are responsible for them. We suggest an attorney review them.
• You will not use the service to send spam, to contact people who did not agree to be contacted, or for anything unlawful or deceptive.
• You will not try to break, overload, reverse engineer or get around the security of the service.

Applications, reference answers and documents you collect belong to you. You give us permission to store and process them only to run the service for you, as described in our privacy policy. You can ask us at support@valtisdesk.com to export or delete your data at any time, and we delete it after you close your account as described there.

Valtis Desk records each signature with its time, IP address, device and a SHA-256 fingerprint of the signed application. This is designed to support enforceability under the US E-SIGN Act and UETA, but we cannot guarantee that any particular signature, guarantee or agreement will be enforced in a given case. That depends on your documents and the facts.

New accounts start with a 7 day free trial that includes up to 5 applications. No card is needed for the trial. After it ends, your apply link pauses until you choose a plan.

Paid plans (Starter at $99 a month, Pro at $249 a month) are billed monthly in advance through our payment provider and renew automatically until canceled. You can cancel at any time from the billing page; your plan stays active until the end of the paid period. Fees are not refunded for partial months, except where the law requires. Prices exclude taxes. We will give at least 30 days' notice of any price change.

We work to keep Valtis Desk available and secure, but it may sometimes be interrupted for maintenance or reasons outside our control. We may improve or change features over time. If we remove something important you pay for, we will tell you in advance.

The Valtis Desk software, design, name and logo belong to us. These terms give you the right to use the service while your account is active; they do not transfer any ownership. If you send us feedback, we may use it without owing you anything.

You can close your account at any time. We may suspend or close an account that breaks these terms, does not pay, or puts the service or other users at risk. Where we can, we will warn you first and give you a chance to export your data.

The service is provided “as is” and “as available”. To the extent the law allows, we disclaim all warranties, including merchantability, fitness for a particular purpose and non-infringement. We do not check that the information applicants or references give is true, and we are not responsible for credit losses or decisions made using the service.

To the extent the law allows, neither party is liable for indirect, incidental, special or consequential damages, or for lost profits, revenue or data. Our total liability for any claim relating to the service is limited to the amount you paid us in the 12 months before the claim arose.

You will defend and hold us harmless from claims brought by third parties, such as applicants or references, that arise from your credit decisions, your terms and documents, or your breach of these terms or the law.

These terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict of law rules. Before going to court, we both agree to try to resolve any dispute informally by writing to the other first.

We may update these terms. We will change the date at the top and email account holders about significant changes at least 30 days before they apply. Continuing to use the service after that means you accept the new terms.

Questions about these terms? Write to support@valtisdesk.com.