Virtual Asset Holdings

Effective Date: March 19, 2026

Last Updated: March 19, 2026

These Terms of Service (“Terms”) are a legally binding agreement between Virtual Asset Holdings, LLC, a TX LLC (“VAH,” “Company,” “we,” “us,” or “our”), and each person or entity that accesses or uses our website, mobile application, software platform, products, or services (collectively, the “Services”). By accessing, downloading, registering for, or using the Services, you agree to be bound by these Terms. If you do not agree, do not access or use the Services.

Company Name: Virtual Asset Holdings, LLC

Principal Business Address: PO Box 60333 Fort Worth, TX 76115

Support Email: info@virtualassetholdings.com

Phone: 682-464-0807

Website: https://virtualassetholdings.com 

You must be at least eighteen (18) years old and legally capable of entering into a binding contract to use the Services. By using the Services, you represent and warrant that:

1. you are at least eighteen (18) years old;
2. all information you provide is true, accurate, current, and complete;
3. you will maintain and promptly update your information as needed; and
4. you will use the Services only for lawful purposes.

VAH provides services and tools related to:

1. credit education;
2. credit file review and document organization;
3. credit dispute preparation and administrative assistance relating to inaccurate, outdated, misleading, incomplete, or unverifiable information;
4. credit-building and financial literacy content;
5. business consulting, including business formation guidance, operational consulting, branding strategy, funding preparation, and administrative support;
6. digital account access, dashboards, communications, and automation tools connected to the Services.

VAH does not operate as a credit bureau, lender, bank, debt collector, law firm, accounting firm, or investment adviser unless expressly stated in a separate written agreement signed by an authorized representative of VAH.

VAH does not guarantee any particular outcome, including but not limited to:

1. deletion of any item from a credit report;
2. any increase in any credit score;
3. funding approval, financing approval, business credit approval, or loan approval;
4. business revenue growth, profitability, or investor funding;
5. timeframes for responses from creditors, bureaus, lenders, vendors, government agencies, or third parties.

Your results depend on factors outside VAH’s control, including your credit history, reporting accuracy, third-party investigations, creditor responses, payment behavior, financial condition, business readiness, and applicable law.

To the extent VAH provides services that are considered “credit repair” services under applicable law:

1. VAH will provide required written disclosures and a written agreement as required by law;
2. VAH will not charge or receive payment for covered credit-repair services before those services are fully performed to the extent prohibited by law;
3. you have the right to cancel covered credit-repair services without penalty or obligation before midnight of the third business day after the date you sign the applicable agreement, to the extent provided by law;
4. VAH does not advise you to make false statements, create a new identity, conceal accurate negative information, or engage in unlawful credit activity.

If there is any conflict between these Terms and a separate written credit-repair service agreement, the separate written credit-repair agreement will control for that specific service.

The Services and all content made available by VAH are provided for general informational, educational, administrative, and business-support purposes only. Nothing in the Services constitutes legal advice, tax advice, accounting advice, audit services, securities advice, investment advice, lending approval, or any guarantee of eligibility for any financial product.

To access certain features, you may be required to create an account. You agree to:

1. provide accurate registration information;
2. maintain the confidentiality of your username, password, one-time codes, and account credentials;
3. restrict access to your device and account;
4. notify VAH immediately of any unauthorized use, suspected breach, or security incident involving your account.

You are responsible for all activity that occurs under your account unless prohibited by law.

You may upload or submit information, documents, messages, business records, identification materials, financial materials, credit-related information, images, and other content (“User Content”) through the Services. You represent and warrant that:

1. you own or control all rights necessary to submit the User Content;
2. the User Content is accurate to the best of your knowledge;
3. submission of the User Content does not violate any law, contract, privacy right, or intellectual property right.

You grant VAH a non-exclusive, worldwide, royalty-free license to use, reproduce, store, process, transmit, and display User Content solely as necessary to operate the Services, provide support, fulfill our contractual obligations, comply with law, and improve our systems and workflows.

By using the Services, you consent to receive communications from VAH electronically, including by email, in-app notice, SMS, push notification, or other electronic means, for account, transactional, legal, compliance, and service-related purposes. You agree that electronic notices, records, signatures, and agreements satisfy any legal requirement that such communications be in writing, to the fullest extent permitted by law.

By providing your phone number or email address, you authorize VAH to contact you regarding your account, services, scheduling, support, reminders, verification, onboarding, service updates, and transactional matters. Message and data rates may apply. Consent to receive marketing communications is not a condition of purchase where prohibited by law. You may opt out of marketing communications as provided in the message or applicable communication.

You agree to pay all fees, charges, and applicable taxes disclosed to you at the time of purchase or enrollment.

Fees may include one-time fees, recurring subscription fees, consultation fees, setup fees, software access fees, document processing fees, or service fees, as applicable to the specific offering.

For any service governed by a law prohibiting advance payment for covered credit-repair services, VAH will not collect payment before the covered services are fully performed to the extent required by law.

If you purchase a subscription, the subscription will automatically renew for the same billing cycle unless you cancel before renewal. You authorize VAH or its payment processor or app marketplace to charge your selected payment method for recurring subscription fees, taxes, and any other charges you authorize.

If you subscribe through Apple’s App Store or Google Play, billing, cancellation, renewals, and refunds may be handled by the applicable marketplace and subject to that marketplace’s payment rules.

If a payment method is declined, expires, or fails, VAH may suspend access to paid features, retry the charge, update payment status, or terminate the applicable service.

VAH may change pricing for future billing periods by providing notice as required by law or marketplace rules.

If you purchase covered credit-repair services, you may cancel as provided in the applicable written agreement and the Notice of Cancellation required by law. No REFUNDS once process has started.

You may cancel a subscription at any time before the next renewal date. Cancellation will stop future renewals but will not retroactively cancel charges already incurred for the current billing period, except as required by law or marketplace rules.

Except as required by law, fees are non-refundable once earned, services are performed, digital access is delivered, or a billing period begins. Where a purchase is made through Apple or Google, refund requests may need to be submitted through the applicable marketplace.

Subject to these Terms, VAH grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the mobile app and related software solely for your personal or internal business use in connection with the Services.

You may not:

1. copy, modify, adapt, translate, or create derivative works from the Services;
2. reverse engineer, decompile, disassemble, or attempt to extract source code, except to the extent such restriction is prohibited by law;
3. rent, lease, lend, sell, sublicense, assign, distribute, publish, or otherwise transfer the Services;
4. interfere with or circumvent any security feature, rate limit, access control, or technical safeguard;
5. use the Services to compete with VAH or build a competing product.

You agree not to:

1. use the Services for fraud, deception, identity theft, impersonation, or unlawful conduct;
2. submit false, forged, altered, misleading, or unauthorized documents;
3. provide false information to credit bureaus, creditors, lenders, government agencies, or third parties;
4. upload malware, viruses, harmful code, or disruptive content;
5. access or attempt to access accounts, data, or systems without authorization;
6. use bots, scrapers, automated means, or bulk extraction tools except as expressly authorized by VAH;
7. infringe or violate the rights of any person or entity;
8. use the Services in any way that could damage, disable, overburden, or impair the Services or VAH’s infrastructure.

The Services may integrate with, rely on, or provide links to third-party products, platforms, processors, storage providers, analytics providers, communication services, credit-monitoring services, identity-verification services, payment processors, financial institutions, or marketplaces. VAH does not control and is not responsible for third-party acts, omissions, systems, products, services, availability, terms, privacy practices, or decisions.

Your use of third-party services may be governed by separate agreements between you and the third party.

Your use of the Services is also governed by the VAH Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you acknowledge that VAH may collect, use, store, process, disclose, and safeguard personal information in accordance with the Privacy Policy and applicable law.

All rights, title, and interest in and to the Services, including all software, source code, object code, interfaces, workflows, processes, databases, text, designs, graphics, logos, trademarks, service marks, trade names, audiovisual content, and other materials provided by VAH, are owned by or licensed to VAH and are protected by intellectual property and other laws.

Except for the limited license expressly granted in these Terms, no rights are granted to you by implication, estoppel, or otherwise.

If you submit ideas, suggestions, enhancement requests, comments, or other feedback regarding the Services, VAH may use such feedback without restriction or compensation to you, and you hereby assign to VAH all right, title, and interest in and to such feedback to the extent assignable by law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS. VAH DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, AVAILABILITY, OR THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.

VAH DOES NOT WARRANT THAT ANY INFORMATION PROVIDED THROUGH THE SERVICES WILL BE COMPLETE, CURRENT, OR SUFFICIENT FOR YOUR PARTICULAR NEEDS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VAH AND ITS OWNERS, MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS, LOSS OF GOODWILL, LOSS OF DATA, LOSS OF OPPORTUNITY, CREDIT DENIALS, FUNDING DENIALS, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VAH’S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO VAH FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100.00).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSIONS OF LIABILITY, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

You agree to defend, indemnify, and hold harmless VAH and its owners, members, managers, officers, directors, employees, contractors, agents, affiliates, successors, and assigns from and against any and all claims, demands, actions, proceedings, damages, liabilities, judgments, settlements, penalties, fines, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

1. your use of the Services;
2. your User Content;
3. your violation of these Terms;
4. your violation of any law or the rights of any third party;
5. any false, misleading, unauthorized, or fraudulent submission made by you or on your behalf.

VAH may suspend, restrict, or terminate your access to all or part of the Services at any time, with or without notice, if:

1. you violate these Terms;
2. VAH believes your conduct creates legal risk, security risk, reputational risk, or operational risk;
3. payment is due and unpaid;
4. VAH is required to do so by law, court order, payment processor, marketplace, or regulatory directive.

Upon termination, the rights granted to you under these Terms will immediately cease, but all provisions that by their nature should survive termination will survive, including payment obligations, disclaimers, limitations of liability, indemnification, dispute resolution, governing law, and intellectual property provisions.

Please read this section carefully. It affects your legal rights.

Before filing any claim, you agree to first contact VAH at [Legal/Support Email] and attempt to resolve the dispute informally for at least thirty (30) days.

Except for matters eligible for small claims court, claims seeking injunctive relief relating to intellectual property or misuse of the Services, or claims that cannot be arbitrated by law, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by final and binding arbitration administered by [AAA/JAMS] under its applicable consumer or commercial arbitration rules, as applicable.

The arbitration shall take place in [Tarrant County, Texas], unless the parties agree otherwise or the arbitration rules permit remote proceedings.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND VAH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE PROCEEDING.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND VAH WAIVE ANY RIGHT TO A JURY TRIAL IN ANY PROCEEDING PERMITTED TO PROCEED IN COURT.

These Terms and any dispute arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of [Texas], without regard to conflict of laws principles, except to the extent preempted by federal law or otherwise required by applicable law.

If you download the app through Apple’s App Store or Google Play:

1. these Terms are between you and VAH, not Apple or Google;
2. Apple and Google are not responsible for the Services, support, maintenance, or claims relating to the Services except as required by their own terms;
3. your use of the app must comply with applicable marketplace usage rules and policies;
4. if billed through a marketplace, subscription management, cancellation, and certain refund rights may be handled through that marketplace.

You may not use, access, export, re-export, or transfer the Services except as authorized by United States law and the laws of any other applicable jurisdiction. You represent that you are not located in, under the control of, or a national or resident of any prohibited or sanctioned country or on any list of restricted parties where such access would be unlawful.

VAH shall not be liable for any delay, interruption, failure, or inability to perform resulting from causes beyond its reasonable control, including acts of God, natural disaster, power outages, labor disputes, internet or telecommunications failures, cyberattacks, governmental actions, epidemics, pandemics, civil unrest, or failures by third-party providers.

VAH may modify, suspend, discontinue, or update any portion of the Services or these Terms at any time. Updated Terms will become effective upon posting or upon any later date stated in the updated Terms. Your continued use of the Services after the effective date of updated Terms constitutes your acceptance of the updated Terms.

If any provision of these Terms is held unlawful, invalid, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect.

No waiver by VAH of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition.

You may not assign or transfer these Terms or any rights or obligations under these Terms without VAH’s prior written consent. VAH may assign these Terms, in whole or in part, at any time without restriction.

These Terms, together with the Privacy Policy, any purchase terms, any subscription terms, any applicable marketplace terms, and any separate written service agreement between you and VAH, constitute the entire agreement between you and VAH regarding the Services and supersede all prior or contemporaneous understandings relating to the same subject matter.

Questions regarding these Terms should be sent to:

Virtual Asset Holdings

PO Box 60333 Fort Worth, TX 76115

info@virtualassetholdings.com

682-464-0807

FOR COVERED CREDIT-REPAIR SERVICES ONLY

You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd business day after the date you signed it.

If you cancel, any payment made by you under this contract for covered credit-repair services will be returned within the time required by law.

To cancel, deliver or send a signed and dated copy of this Notice of Cancellation, or any other written notice of cancellation, to:

Virtual Asset Holdings

PO Box 60333 Fort Worth, TX 76115

info@virtualassetholdings.com

I hereby cancel my contract for covered credit-repair services.

Customer Name: __________________________

Customer Signature: _______________________

Date: __________________

By creating an account, clicking “I Agree,” purchasing, downloading, accessing, or using the Services, you acknowledge that you have read, understood, and agreed to these Terms of Service.