Borrower Terms & Conditions
Last updated September 20, 20261. Using this application
These terms govern your use of Viato’s mortgage application and borrower portal. Viato supplies the software; the mortgage company identified in your application supplies mortgage services. Your company’s disclosures and agreements govern its lending services. These borrower terms do not enroll you in a Viato CRM subscription or authorize subscription charges.
2. Your account
Use your own verified email address and keep your password private. Do not share account credentials or use someone else’s account. Co-borrowers should use the invitation process to create or sign in to their own accounts. Contact support promptly if you suspect unauthorized access. You must be able to enter a binding agreement to use this service.
3. Accurate information and authorized participation
Provide accurate and complete information to the best of your knowledge and promptly correct errors. Submit information or documents about another person only with their permission. Completing information for a co-borrower does not grant authority to sign separate legal documents on their behalf. Your mortgage company may require additional verification, disclosures, and signatures.
4. Application status and loan decisions
Saving or submitting an application, uploading documents, receiving a checklist, or seeing a progress indicator is not a loan approval, commitment to lend, rate lock, or guarantee of eligibility. Your loan officer and mortgage company determine loan requirements and decisions. Streamline and IRRRL links may ask fewer questions; using those links does not establish eligibility for a loan program.
5. Documents and acknowledgments
Upload only documents relevant to your application and that you have permission to provide. Uploaded files become part of the application record and cannot be deleted through the portal. Contact your loan officer about errors or replacement information. Acknowledgments record the text presented, the application context, and the account that accepted it. Additional loan documents may require a separate signature process.
6. Privacy and limited permission to process data
You retain your rights in information you provide. You permit Viato to store, process, and display that information as needed to operate the application and portal, support authorized participants, and deliver your information to your mortgage company. See the Borrower Privacy Policy for information about access, sharing, retention, and privacy requests.
7. Appropriate use
Do not submit fraudulent information, upload malicious files, attempt unauthorized access, interfere with service operation, or misuse another person’s information. We may restrict access when reasonably necessary to protect users or the service. Viato’s software, designs, and trademarks remain Viato’s property.
8. Availability and responsibility
The service is provided as available and may experience interruptions or errors. Keep copies of important records and contact your loan officer if a deadline is approaching or you cannot complete an action. Viato does not provide legal, financial, or lending advice. Nothing in these terms excludes rights or remedies that applicable law does not permit us to exclude.
9. Account closure and records
You may contact us about closing your portal account. Closing access does not cancel a loan application, withdraw a consent already provided, or require deletion of records your mortgage company must retain. Contact your loan officer directly to withdraw or change your application.
10. Updates, questions, and applicable law
We will post updated borrower terms here with a revised date. These terms are governed by North Carolina law, subject to applicable laws protecting consumers. Contact privacy@viato.ai about these terms or support@viato.ai for technical help. Contact your loan officer for questions about your loan.