Terms and Conditions of Use

Last Updated: November 21. 2024

PLEASE READ THIS TERMS AND CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE. Velocity (“we,” “us”) provides this website and website-related services, if any, (collectively, the “Site”) subject to your compliance with the terms and conditions set forth in this agreement (“Agreement”). This Agreement governs the relationship between us and you, the Site visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.

We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site. Any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement. You will be able to determine whether this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.

We reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Site or of any Materials (as defined below).

If you have any questions about this Agreement, please contact us at the following address:
1800 Route 34N
Suite 305
Wall, NJ 07719 

Important Notices. We make available the information and materials on the Site (the “Materials”) for general informational purposes only. The Materials are general in nature and may not apply to particular factual or legal circumstances. Unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential, and may be disclosed to others pursuant to our Privacy Policy.

Minimum Age. You represent that you are at least 18 years of age (or the age of majority in the state in which you reside). The Site is not intended for users under 18 years of age, and you may not use the Site if you are under 18 years of age.

Privacy Policy. Please review our privacy policy, which applies to personal information collected from or provided by you on the Site. 

Rules of Conduct. You agree to comply with all applicable laws, rules, and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:

  • Use the Site for any fraudulent or unlawful purpose.
  • Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.
  • Interfere with or disrupt the operation of the Site.
  • Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.
  • Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
  • Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, employees, and representatives identified on the Site, without their express consent.
  • Sell, resell, transfer, license, or exploit, for any commercial purposes, any use of or access to the Site or the Materials.
  • Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.
  • Frame or mirror all or any part of the Site without our prior express written authorization.

Velocity’s Proprietary Rights. You acknowledge and agree that the Site and the Materials are, and shall remain, the property of Velocity and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sub licensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Site for your personal, non-commercial use.

Trade names, trademarks and service marks of Velocity include “ ” and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks, and service marks owned by Velocity or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel, or otherwise, any right or license to use any of Velocity’s (or its affiliates’) trade names, trademarks or service marks without our (or the relevant affiliate’s) prior express written permission. 

Communications. By accessing or using the Site, you expressly consent to be contacted by us, our affiliates, and agents for any purpose arising out of or relating to your access to or use of the Site, your account(s), or your debt by email, SMS messages (including text messages), and calls and messages delivered using an automatic telephone dialing system, an automatic texting system, or pre-recorded message.  

You consent to receive emails, SMS messages (including text messages), calls, and messages from us at the telephone number(s) or email address you have provided to us and at telephone numbers or an email address you may provide in the future or which we can reasonably associate with you. You represent and warrant that the telephone number you have provided to us is your telephone contact number. You represent and warrant that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to timely alert us to any change in your telephone number or if your telephone number is no longer in service. You agree that any email address you provide to us is a private and personal email address accessible only to you and not a shared email address or an email address provided by your employer. You agree that your cellular or mobile telephone provider will charge you according to the type of plan you carry. Electronic communications from us will describe a reasonable and simple method by which you can opt out of further electronic communications or attempts to communicate from us.

Federal E-Sign Disclosure and Consent Notice. The E-Sign Act allows the use of electronic records to satisfy any statute, regulation, or rule of law requiring that such information be provided in writing. You agree and consent to receive communications electronically in connection with your current or future account(s). We will provide these communications to you via the Site or by email. You agree that you are able to receive, open, and print (if desired) a copy of communications provided through this Site or the email address you provide. Your consent is effective until you give us notice that you are withdrawing it. We may, at our discretion, provide you with any communications in writing, even if you have chosen electronic receipt. To receive and view communications by email, your email address must be accurate and active. You will need a device with an internet connection to access electronic communications and documents. You will need a printer if you would like to print electronic communications and documents. You will need a program to display PDF files to download and view PDF documents on your device. We will notify you via the Site or email of material changes to software and hardware requirements for access to and retention of electronic communications subject to the consent. 

You may withdraw your consent to receive documents electronically by contacting us at 1-800-558-4027 or [email protected]. You can request a paper copy of a record at no charge within 180 days after the date we provided the electronic record to you by contacting us at 1-800-558-4027 or [email protected], and we will send you a paper copy via U.S. mail. You must promptly alert us of any change to your email address by contacting us at 1-800-558-4027 or [email protected]. You are responsible for ensuring that spam filters do not block or re-route emails with the domain extension  “@velocityrecoveries.com” so that you will be able to receive the emails we send you.  

Disclaimer. THE INFORMATION AND MATERIAL ON THE SITE, INCLUDING ALL CONTENT, MATERIALS, AND FUNCTIONALITY, ARE PROVIDED “AS IS” AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. VELOCITY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THIS SITE AND DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF TITLE, MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, AND FITNESS FOR ANY PARTICULAR PURPOSE. THIS DISCLAIMER APPLIES TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. 

Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT IN NO EVENT WILL VELOCITY BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT OR INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, FOR LOST PROFITS OR FOR LOST DATA ARISING OUT OF OR IN ANY WAY IN CONNECTION WITH YOUR USE OF THIS SITE OR INABILITY TO USE THIS SITE, WHETHER BASED IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF VELOCITY HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VELOCITY’S TOTAL LIABILITY TO YOU IN CONNECTION WITH THESE TERMS OR YOUR ACCESS TO OR USE OF THIS SITE OR FOR ANY CAUSE WHATSOEVER SHALL NOT EXCEED $100. 

Indemnity. To the maximum extent permitted by law, you acknowledge and agree to indemnify, defend, and hold harmless Velocity and all of its employees, agents, directors, officers, stockholders, investors, attorneys, successors, and assigns from and against any and all claims, proceedings, liabilities, damages, costs, and expenses (including but not limited to reasonable attorneys’ fees) arising from or relating to your use, access to, or conduct on the Site, your violation of any third party right, or your violation of this Agreement. 

Governing Law. The substantive and procedural laws of New Jersey, without regard to the choice or conflicts of law provisions of any jurisdiction, will govern this Agreement, your access to and use of the Site, and any claim relating to the materials on this Site