Terms of Service

Last updated: March 13, 2026

These Terms of Service ("Terms") govern your access to and use of the website and services operated by VSCB & Company LLC ("Apex Lending Partners," "we," "us," or "our"). By accessing this website or submitting an inquiry, you agree to be bound by these Terms. If you do not agree, please do not use our site or services.

1. Description of Services

Apex Lending Partners provides professional services to individuals and businesses. Service availability and eligibility may vary. Submitting an inquiry does not constitute an offer or commitment.

2. Eligibility

To use our services, you must:

  • Be at least 18 years of age.
  • Be at least 18 years of age.
  • Provide accurate, complete, and truthful information in all inquiries and communications.
  • Not use our services for any unlawful or fraudulent purpose.

3. Inquiry and Information Accuracy

You represent and warrant that all information submitted to Apex Lending Partners is accurate, current, and complete. Providing false, misleading, or incomplete information may result in denial of your inquiry, termination of any existing agreement, and may constitute fraud subject to civil or criminal penalties. VSCB & Company LLC reserves the right to verify any information provided.

4. SMS and Electronic Communications

By submitting a contact or inquiry form on our website, you consent to receive electronic communications from Apex Lending Partners, including SMS/text messages related to your inquiry, account status, or related communications. Standard message and data rates may apply. You may opt out of SMS communications at any time by replying STOP. Opting out of marketing communications does not affect transactional or legally required notices.

5. Intellectual Property

All content on this website — including text, graphics, logos, and software — is the property of VSCB & Company LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

6. Prohibited Conduct

You agree not to:

  • Submit false or fraudulent information.
  • Attempt to gain unauthorized access to our systems or data.
  • Use our site to transmit malware, spam, or harmful code.
  • Engage in any activity that disrupts or interferes with our services.
  • Violate any applicable local, state, federal, or international law.

7. Disclaimer of Warranties

THIS WEBSITE AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. VSCB & COMPANY LLC DISCLAIMS ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, APEX LENDING PARTNERS AND VSCB & COMPANY LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF — OR INABILITY TO USE — OUR WEBSITE OR SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

9. Indemnification

You agree to indemnify, defend, and hold harmless VSCB & Company LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from your use of our services, violation of these Terms, or infringement of any third-party rights.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in Miami-Dade County, Florida, in accordance with the rules of the American Arbitration Association, except where prohibited by applicable law.

11. Modifications to Terms

VSCB & Company LLC reserves the right to update these Terms at any time. Material changes will be posted on this page with a revised date. Continued use of our website after changes are posted constitutes acceptance of the updated Terms.

12. Contact Information

For questions about these Terms, please contact:

VSCB & Company LLC
8 Johnson St, Staten Island, NY, 10309
[email protected]
347-224-3475