Effective Date: 04/09/2026
This website (the “Site”) is owned and operated by VM Consulting & Management LLC.
By accessing or using DownAid.com, you agree to be bound by these Terms of Use. If you do not agree, you must not use this Site.
1. Platform Purpose
DownAid.com provides:
- General information about down payment assistance (“DPA”) programs
- Preliminary estimates and educational tools
- Connections to third-party service providers
2. No Lending or Brokerage Activity
DownAid.com and VM Consulting & Management LLC:
- Are not a mortgage lender, mortgage broker, or loan originator
- Do not originate, fund, or make credit decisions
- Do not provide financial, legal, or tax advice
We operate solely as a marketing, informational, and lead generation platform.
All loan products, approvals, and terms are provided exclusively by licensed third-party providers.
3. No Financial Advice
All content is for informational purposes only and should not be relied upon as:
- Financial advice
- Legal advice
- Tax advice
Consult licensed professionals before making decisions.
4. No Guarantee of Results
- We do not guarantee loan approval or eligibility
- Estimates are based on user-provided information
- Final decisions are made by third-party providers
5. User Responsibilities
You agree to:
- Provide accurate and truthful information
- Use the Site only for lawful purposes
- Not attempt to misuse or disrupt the Site
6. Third-Party Services
We may connect you with:
- Mortgage lenders and brokers
- Real estate professionals
- Financial service providers
We:
- Do not endorse or guarantee any provider
- Are not responsible for third-party actions or outcomes
Any agreement you enter into is solely between you and the third party.
7. TCPA Consent
By submitting your contact information, you provide prior express written consent to be contacted by VM Consulting & Management LLC and its partners via:
- Phone calls
- Text messages (including automated dialing systems)
- Emails
Message and data rates may apply.
Consent is not required to purchase goods or services.
You may opt out at any time.
8. Electronic Communications & E-Sign Consent
By using this Site, you consent to receive communications electronically, including:
- Emails
- Text messages
- Digital disclosures and documents
You agree that:
- Electronic communications satisfy legal requirements for written notices
- You have the ability to access and retain electronic records
9. No Fees to Consumers
DownAid.com does not charge consumers for:
- Access to information
- Program matching
- Referrals
We may receive compensation from partners; however:
- Compensation does not influence recommendations
- You are under no obligation to use any provider
10. Intellectual Property
All content on this Site is owned by VM Consulting & Management LLC and protected by law.
You may not:
- Copy, reproduce, or distribute content
- Use content for commercial purposes without permission
11. Disclaimer of Warranties
The Site is provided on an “as is” and “as available” basis without warranties of any kind.
12. Limitation of Liability
To the fullest extent permitted by law, VM Consulting & Management LLC shall not be liable for:
- Any decisions made based on Site content
- Errors or omissions
- Third-party services or outcomes
- Any direct, indirect, incidental, or consequential damages
13. Indemnification
You agree to indemnify and hold harmless VM Consulting & Management LLC from any claims arising from:
- Your use of the Site
- Your violation of these Terms
- Any inaccurate information you provide
14. Dispute Resolution (Arbitration Agreement)
Any dispute arising out of or relating to these Terms or the Site shall be resolved as follows:
Mandatory Arbitration
- Disputes shall be resolved through binding arbitration, not in court
- Arbitration will be conducted in the State of Florida
No Jury Trial
You waive your right to a jury trial.
15. Class Action Waiver
You agree that:
- Disputes must be brought individually
- You waive the right to participate in:
- Class actions
- Class arbitrations
- Representative actions
16. Governing Law
These Terms are governed by the laws of the State of Florida.
17. Changes to These Terms
We may update these Terms at any time. Continued use of the Site constitutes acceptance of updated Terms.
18. Contact Information
For questions:
Privacy@DownAid.com