Customer Agreement

BY CLICKING “I AGREE,” YOU HEREBY AGREE TO THE TERMS SET FORTH IN THIS CUSTOMER AGREEMENT. PLEASE REVIEW THIS AGREEMENT CAREFULLY, AS IT IS LEGALLY BINDING UPON YOU.

This Customer Agreements entered into by and between You (“you” or “Customer”) and Velocity REOs, Inc. DBA Velocity Field Services, DBA BPO Photosets.com("Company," "we," "us," or “our”), a Florida corporation with a mailing address of P.O. Box 110425, Lakewood Ranch, FL 3421. The following terms and conditions, together with any documents they expressly incorporate by reference, governs your use of Company’s Services.

Services

Company provides photography, inspection, and evaluation services relating to real estate, including but not limited to real estate evaluations, construction loan inspections, disaster inspections, rental and vacation property verifications, occupancy checks, quality control inspections, commercial site inspections, and other real estate-related services.

Company also provides photography, inspection, and evaluation services relating to automobiles, motorcycles, recreational vehicles (RVs), campers, marine vessels, aircraft, and other personal or commercial assets. Services may include condition documentation, verification, evaluation support, and related inspection activities.

All services provided by Company, whether real estate-related, commercial, automotive, marine, aviation, or otherwise, are hereinafter collectively referred to as the “Services.”

Service Descriptions

Detailed descriptions of all Services are available on BPOPhotoFlow.com. It is the sole responsibility of the Customer to review the available Service options and select the Service that best meets their needs.

Once an order has been placed, the selected Service may not be changed, modified, or substituted for another Service. Any requests for customization must comply with the guidelines and limitations outlined on the “Place an Order” page under the “Custom” tab. Customizations are available only for certain Services and only under the circumstances specifically described therein.

Use of our Services

Company grants you, the Customer, a limited, non-transferable right to use our Services in accordance with these Terms and Conditions. As a condition of using our Services, you agree that:

Any violation of these Terms may result in the immediate suspension or termination of your access to the Services, with or without notice, at the Company's sole discretion.

Company reserves the right to suspend, restrict, or terminate any Customer account or business relationship at any time and for any lawful reason. Company further reserves the right to terminate a Customer account for conduct deemed unprofessional, abusive, disruptive, threatening, fraudulent, or otherwise detrimental to the Company, its Customers, its contractors, or its operations, as determined solely and exclusively by the Company.

Field Agents

Company utilizes independent field agents, photographers, inspectors, and contractors ("Field Agents") to perform and document the Services requested by Customers.

Customer understands and agrees that, unless specifically stated otherwise in the description of a particular Service, Field Agents are not licensed home inspectors, certified property inspectors, appraisers, engineers, surveyors, contractors, attorneys, insurance adjusters, or other licensed professionals. Company makes no representation or warranty regarding any Field Agent's professional qualifications beyond those expressly stated by Company.

The Services provided by Company are intended for informational, observational, documentation, and evaluation support purposes only and should not be relied upon as a substitute for a licensed professional inspection, appraisal, engineering report, legal opinion, environmental assessment, or other professional service.

Any information, observations, comments, photographs, videos, or reports provided by a Field Agent reflect only the conditions observed at the time of the visit and are based solely upon the Field Agent's personal observations. Such information may contain opinions, estimates, assumptions, or subjective observations and should not be construed as professional advice, guarantees, certifications, or representations of fact.

Customer further acknowledges that Company does not independently verify every statement, observation, or conclusion made by a Field Agent and shall not be responsible for any inaccuracies, omissions, errors, or changes in condition occurring before, during, or after the performance of the Services.

Customer Communication with Field Agents

Customers shall not directly contact, solicit, recruit, contract with, hire, or otherwise engage any Company field agent, independent contractor, photographer, inspector, representative, or service provider outside of the Company's platform, whether during the performance of a Service or at any time thereafter. All communications relating to Services must be conducted exclusively through the Company's approved communication channels and message center.

Company has invested substantial time, effort, and resources in recruiting, training, managing, and maintaining its network of Field Agents. Accordingly, Customers are prohibited from bypassing the Company to obtain services directly from any Field Agent introduced through the Company's platform or Services.

If Company determines, in its sole discretion, that a Customer has directly contacted, solicited, recruited, hired, contracted with, or otherwise engaged a Company Field Agent outside of the Company's platform, Company reserves the right to immediately terminate any ongoing Services, cancel pending orders, refuse refunds, forfeit any account credits, suspend or terminate the Customer's account, and refuse to provide future Services to the Customer.

Service Request Protocol

To request a Service, Customer must submit all required information through the Company's ordering platform. Customer is solely responsible for ensuring that all information provided is complete, accurate, and up to date.

Property Address

Service Time Frames

Available Service Time Frames:

All completion time frames are estimates only and are not guaranteed unless expressly stated otherwise by Company.

Services Offered

Point of Contact (POC) Information

Secured Properties and Access Information

Additional Instructions

Order Changes, Cancellations, and Dispatch

Exclusions to Timely Performance by Company

Company makes every reasonable effort to complete Services within the estimated time frames selected by the Customer. However, Company shall not be liable for delays, missed deadlines, or the inability to perform Services when such delays are caused by circumstances beyond the Company's reasonable control, including but not limited to:

In the event that a Rush Service cannot be completed within the requested time frame due solely to one or more of the circumstances listed above, and the Customer no longer requires the expedited service, the applicable rush fee may be waived at the Company's sole discretion. Any standard service fees, service attempt fees, travel fees, or other applicable charges shall remain due and payable.

Standard Service orders shall remain subject to normal pricing and payment obligations regardless of delays resulting from the circumstances described herein.

Fees

A non-refundable application fee of $15.00 is required for all newly opened and reinstated accounts. This fee helps offset the administrative costs associated with processing, reviewing, and activating Customer accounts.

Accounts with no activity during the first six (6) months following activation may be classified as inactive at the Company's sole discretion.

Current pricing for all Services is available on the "Place an Order" page under the "Orders" section. Prior to submitting an order, Customers will be provided with the applicable pricing and fees associated with the selected Service. All pricing, fees, and charges are subject to change at any time without prior notice.

To help offset the administrative costs associated with maintaining inactive accounts, the following annual account maintenance fees may apply:

Company reserves the right to deduct any applicable maintenance fees from available account credits or balances.

All canceled orders are subject to a minimum cancellation fee of $0.50 per order. Company reserves the right to assess additional cancellation fees if the order has been processed, prepared for dispatch, dispatched, accepted by a Field Agent, or if any administrative, scheduling, travel, or service-related costs have been incurred. The amount of any additional cancellation fee shall be determined by Company in its sole discretion based upon the work performed and expenses incurred prior to cancellation.

All fees paid to Company are non-refundable unless expressly stated otherwise in these Terms and Conditions or required by applicable law.

Chargeback & Dispute Policy

Customer agrees to contact Velocity REOs, Inc. directly regarding any billing question, concern, invoice discrepancy, or payment dispute before initiating a credit card chargeback, payment reversal, bank dispute, or similar claim with a financial institution or third-party payment processor.

Initiating, threatening to initiate, or encouraging a chargeback, payment dispute, or payment reversal without first providing Velocity REOs, Inc. a reasonable opportunity to investigate and address the matter shall constitute a material violation of these Terms and Conditions.

Account Suspension and Closure

Velocity REOs, Inc. reserves the right, in its sole and exclusive discretion, to immediately suspend, restrict, or permanently terminate any Customer account if the Customer:

Chargebacks and payment disputes result in administrative expenses, processing fees, financial risk, and operational disruptions. Accordingly, Velocity REOs, Inc. reserves the right to discontinue business relationships with Customers who elect to resolve billing disputes through third parties rather than directly with the Company.

Effect of Account Closure

Upon suspension or termination of an account:

Recovery of Costs

Customer agrees to reimburse Velocity REOs, Inc. for any chargeback fees, bank fees, merchant processing fees, collection costs, administrative expenses, attorneys' fees, court costs, or other expenses incurred by the Company as a result of a chargeback, payment dispute, or collection action arising from Customer's account.

Final Determination

All decisions regarding account suspension or termination resulting from a chargeback, payment dispute, payment reversal, or threat thereof shall be final and non-appealable. Velocity REOs, Inc. shall have no obligation to reinstate any account suspended or terminated pursuant to this policy.

Invoicing and Payment Terms

Company must have valid and complete payment information on file before any Services can be scheduled, dispatched, or performed. Customers may either prepay for Services at the time an order is placed or, if approved by Company, maintain a payment method on file for billing after Services have been completed.

Billing after Services are rendered is available only to Customers whose monthly order volume equals or exceeds $100.00 and whose accounts remain in good standing, as determined solely by Company. Company reserves the right to revoke post-service billing privileges at any time and require prepayment for future orders.

If a payment method on file is declined, rejected, expired, or otherwise fails to process, Company reserves the right to charge a $15.00 collection and administrative fee for each unsuccessful payment attempt. Company may suspend pending orders, refuse new orders, or terminate account privileges until all outstanding balances have been paid in full.

Unless otherwise approved by Company, all Services must be prepaid in full before dispatch. Company reserves the right to refuse, delay, or cancel Services for accounts with unpaid balances or invalid payment information.

The minimum payment amount accepted by Company is $24.00. If the total amount due for a Service is less than $24.00, any unused balance shall remain as a credit on the Customer's account and may be applied toward future Services. Customers may also request a refund of any available credit balance, subject to Company verification procedures and provided there are no outstanding invoices, fees, disputes, or other amounts owed to Company.

Company reserves the right to offset any available account credits against unpaid invoices, fees, chargebacks, collection costs, or other amounts owed by the Customer.

Intellectual Property

Company respects and vigorously protects its intellectual property rights, as well as the intellectual property rights of others. Customers may not use, reproduce, distribute, modify, publish, transmit, display, create derivative works from, or otherwise exploit any copyrighted material, trademarks, logos, photographs, videos, reports, website content, software, or other proprietary materials owned by Company without Company's prior written consent.

Customer represents and warrants that any materials, information, content, logos, trademarks, photographs, documents, or other intellectual property provided to Company for use in connection with the Services are either owned by the Customer or used with the express authorization of the rightful owner.

Company will not knowingly participate in or facilitate the unauthorized use, reproduction, distribution, or publication of copyrighted, trademarked, or otherwise protected materials. If Company reasonably believes that a Customer is using, submitting, distributing, or requesting the use of materials without the necessary ownership rights, licenses, permissions, or authorizations, Company reserves the right to immediately suspend or terminate the Customer's account, refuse Services, remove the offending materials, and take any other action deemed necessary to protect its interests or comply with applicable law.

Customer agrees to indemnify, defend, and hold harmless Company, its officers, directors, employees, contractors, and affiliates from and against any claims, damages, losses, liabilities, costs, expenses, and attorneys' fees arising from or related to Customer's unauthorized use of intellectual property or violation of any copyright, trademark, trade secret, or other proprietary rights.

All Company trademarks, service marks, trade names, logos, website content, photographs, videos, reports, software, databases, and other intellectual property shall remain the exclusive property of Company or its licensors and may not be used without Company's prior written permission.

Storage and Data Retention

Company will retain photographs associated with completed Services for up to thirty (30) days following the completion date of the order. Upon expiration of the retention period, photographs may be permanently deleted from Company's systems and may no longer be available for retrieval.

Video files associated with completed Services will be retained for up to seven (7) days following the completion date of the order. Upon expiration of the retention period, video files may be permanently deleted from Company's systems and may no longer be available for retrieval.

Customer is solely responsible for promptly reviewing, downloading, and retaining copies of all photographs, videos, reports, invoices, and other deliverables provided by Company. Company shall have no obligation to archive, restore, recover, reproduce, or maintain any files after the applicable retention period has expired.

Company does not guarantee the availability, preservation, or recovery of any photographs, videos, reports, or other deliverables after the applicable retention period. Customer acknowledges that any request for replacement copies after the retention period may be impossible to fulfill.

Company reserves the right to delete, archive, or remove files at any time after the expiration of the applicable retention period without further notice to Customer.

Accessing Property

Exterior Photography Services

Company offers a variety of exterior photography and property documentation Services. Customer acknowledges and agrees that Company Field Agents shall not trespass upon private property or enter any property without proper authorization.

If trees, fences, vehicles, landscaping, weather conditions, neighboring structures, or other obstructions limit visibility of the property, Company will make reasonable efforts to obtain the best possible photographs from a lawful and safe vantage point. Company does not guarantee unobstructed views of any structure, feature, or area of a property.

Unless specifically authorized by the property owner, authorized representative, tenant, resident, Point of Contact (POC), or otherwise permitted under the selected Service, Field Agents will not enter onto private property and will perform Services from publicly accessible locations whenever possible.

Vacant Lots

For Services involving vacant lots or undeveloped parcels, Company will generally provide photographs of the subject property, surrounding street views, adjacent properties when visible, nearby intersections, and available street signs. The exact number and type of photographs may vary depending upon site conditions, accessibility, weather, safety concerns, and the specific Service ordered.

Gated Communities and Restricted Access Properties

For properties located within gated communities, restricted-access developments, secured facilities, or similar locations, Customer is responsible for providing accurate access information, gate codes, entry instructions, or a Point of Contact capable of facilitating entry.

If access cannot be obtained, Company may provide photographs of the entrance gate, community signage, surrounding streets, and any publicly accessible views of the property or community. Company shall not require, encourage, or permit Field Agents to follow other vehicles through access-controlled gates, bypass security measures, trespass, or otherwise gain unauthorized entry to a restricted-access area.

If access restrictions prevent completion of the requested Service, Company may deem the Service completed based upon the photographs and documentation that can be lawfully obtained. In such cases, standard Service fees, travel fees, and other applicable charges may still apply.

The safety of Company Field Agents shall take precedence over all Service requirements. Company reserves the right to modify, postpone, or terminate any Service if access conditions are unsafe, unlawful, hostile, or otherwise present a risk to the Field Agent or others.

Orders Involving Disputed Properties

Certain Services may be requested in situations where there is a dispute, disagreement, or contentious relationship between the Customer and a property owner, occupant, tenant, neighbor, homeowner association, or other interested party. Examples include, but are not limited to, Broker Price Opinions (BPOs), foreclosure-related matters, occupancy verifications, property condition disputes, insurance claims, and similar situations.

Customer agrees to disclose any known dispute, hostility, litigation, threatened litigation, confrontation, restricted access issue, or other circumstance that could reasonably affect the safety of Company personnel or the performance of the requested Service. Failure to disclose such information may place Company and its Field Agents at unnecessary risk.

If Company determines, in its sole and exclusive discretion, that a requested Service involves a disputed, hostile, unsafe, or potentially dangerous situation, Company reserves the right to decline, postpone, modify, suspend, or terminate the Service at any time without liability.

Customer acknowledges and agrees that the safety of Company personnel and Field Agents shall take precedence over all Service requests. Company shall not be required to enter, photograph, inspect, or otherwise perform Services at any property where safety concerns exist or where a dispute may create a risk of confrontation, harassment, threats, violence, or legal exposure.

In the event Company has incurred administrative, scheduling, dispatch, travel, or service-related costs prior to discovering the existence of such a dispute, Customer shall remain responsible for all applicable fees and charges. No refunds shall be due for Services that are delayed, modified, suspended, or terminated as a result of undisclosed disputes, hostile conditions, or safety concerns associated with the property or parties involved.

Meeting with Point of Contact (POC)

When a Point of Contact ("POC") is required for a Service, the Customer must provide the POC's name, telephone number, and any other relevant contact information in the order comments at the time the order is placed. The Customer is solely responsible for ensuring that the POC information is accurate, current, and complete.

The POC is responsible for assisting the Field Agent with obtaining property access when necessary, including but not limited to providing gate codes, lockbox combinations, keys, alarm instructions, access credentials, appointment coordination, or any other information required to complete the requested Service.

Customers are responsible for selecting a reliable and available POC. If a POC is required and cannot be reached, fails to respond, fails to appear at a scheduled appointment, refuses to provide access, or otherwise prevents the completion of the Service, Company may assess applicable service attempt, travel, rescheduling, or administrative fees.

If the POC fails to appear for a scheduled appointment or access cannot be obtained, the Field Agent may, at Company's sole discretion, complete any portion of the Service that can be lawfully and safely performed. For example, exterior photographs may be taken in place of an interior Service when access cannot be obtained. Any completed portion of the Service shall be considered billable.

If a lockbox, code box, gate entry device, or other access point cannot be located by the Field Agent, the POC may be contacted to provide assistance. Customers are responsible for ensuring that all access devices are properly installed, visible, functional, and accurately described within the order instructions.

In situations where a lockbox, code box, or other required access device exists but is not reasonably visible or identifiable, Company may, at its sole discretion, issue a partial credit of up to $4.00. Such credit shall constitute the Customer's sole remedy for any delay, inconvenience, or inability to access the property resulting from the location or visibility of the access device.

Company shall not be responsible for delays, incomplete Services, additional costs, or failed service attempts resulting from inaccurate POC information, unavailable POCs, missing access instructions, incorrect access codes, malfunctioning lockboxes, or any other access-related issue beyond Company's reasonable control.

Warranty Disclaimer

Except as expressly set forth in this Agreement, all Services provided by Company are furnished on an "as is," "where is," and "with all faults" basis. To the fullest extent permitted by applicable law, Company disclaims all warranties, representations, and guarantees of any kind, whether express, implied, statutory, or otherwise.

Without limiting the foregoing, Company specifically disclaims any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, completeness, non-infringement, quality, suitability, availability, or results obtained from the use of the Services.

Company does not warrant that any photographs, videos, reports, observations, comments, evaluations, inspections, measurements, findings, or other deliverables will be error-free, complete, uninterrupted, suitable for any specific purpose, or meet Customer expectations or requirements.

Customer acknowledges that the Services are based upon conditions observed at a specific point in time and that property conditions, occupancy status, access conditions, weather conditions, and other circumstances may change before, during, or after the performance of the Services. Accordingly, Company makes no warranty regarding the continued accuracy or condition of any property, asset, or subject matter documented through the Services.

Customer assumes all risk associated with the use of the Services and any decisions made in reliance upon photographs, videos, reports, observations, comments, or other information provided by Company.

Limitation of Liability

To the fullest extent permitted by applicable law, Company, its affiliates, licensors, service providers, independent contractors, Field Agents, employees, officers, directors, representatives, successors, and assigns shall not be liable for any damages of any kind arising out of or relating to the use of, inability to use, or reliance upon the Services provided by Company.

This limitation applies to all claims, causes of action, liabilities, losses, costs, and damages, whether based in contract, tort (including negligence), strict liability, statute, equity, or any other legal theory, and includes, without limitation, direct, indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages.

Without limiting the foregoing, Company shall not be liable for any loss of revenue, loss of profits, loss of business opportunities, loss of anticipated savings, loss of goodwill, loss of data, business interruption, property damage, diminution in property value, personal injury, emotional distress, reputational harm, legal expenses, or any other economic or non-economic loss arising from or related to the Services, even if Company has been advised of the possibility of such damages.

Customer acknowledges that the Services are observational and informational in nature and that Company does not guarantee any particular result, outcome, conclusion, property condition, occupancy status, valuation, marketability, insurability, or future condition of any property or asset.

In no event shall Company's total cumulative liability arising out of or relating to any Service, order, transaction, or series of related transactions exceed the total amount actually paid by the Customer to Company for the specific Service giving rise to the claim.

Customer agrees that any claim or cause of action arising out of or relating to the Services must be commenced within one (1) year after the claim arises, or such claim shall be permanently barred to the fullest extent permitted by law.

The limitations and exclusions contained herein shall apply regardless of whether any remedy fails of its essential purpose and shall survive the completion of the Services, termination of the Customer relationship, and termination of this Agreement.

Nothing in this Agreement shall exclude or limit any liability that cannot be excluded or limited under applicable law.

Waiver and Severability

No waiver by Company of any provision, right, remedy, term, or condition contained in this Agreement shall be deemed a continuing waiver or a waiver of any other provision, right, remedy, term, or condition. Any waiver shall be effective only if made in writing and signed by an authorized representative of Company.

The failure or delay of Company to exercise or enforce any right, remedy, power, or privilege arising under this Agreement shall not operate as a waiver thereof, nor shall any single or partial exercise of any right, remedy, power, or privilege preclude any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.

If any provision of this Agreement is determined by a court, arbitrator, or tribunal of competent jurisdiction to be invalid, illegal, unenforceable, or contrary to applicable law, such provision shall be modified and enforced to the maximum extent permitted by law so as to most closely reflect the original intent of the parties.

If such modification is not possible, the affected provision shall be deemed severed from this Agreement only to the extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect and shall continue to be binding upon the parties.

The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of any other provision of this Agreement.

Governing Law and Jurisdiction

This Customer Agreement, the Website Terms and Conditions, and all matters arising out of or relating to the Services, the Website, or the relationship between Company and Customer, including any non-contractual claims, disputes, or causes of action, shall be governed by and construed in accordance with the laws of the State of Florida, without regard to any choice of law or conflict of law principles that would result in the application of the laws of another jurisdiction.

Subject to the mediation and arbitration provisions contained in this Agreement, any legal action, suit, proceeding, or claim arising out of or relating to this Agreement, the Services, or the Website shall be brought exclusively in the state or federal courts located in Manatee County, Florida, and each party irrevocably submits to the personal jurisdiction of such courts.

Customer knowingly and voluntarily waives any objection based upon lack of personal jurisdiction, improper venue, forum non conveniens, or any similar doctrine and agrees not to challenge the validity or enforceability of this forum selection provision.

Notwithstanding the foregoing, Company reserves the right, in its sole discretion, to initiate legal proceedings against Customer in the Customer's county, state, or jurisdiction of residence, or in any other jurisdiction where Company reasonably believes it may obtain jurisdiction over Customer or Customer's assets.

The parties agree that the selected courts constitute a convenient forum and that any judgment entered by such courts may be enforced in any court of competent jurisdiction.

Dispute Resolution

Covenant to Mediate

Company and Customer agree that, as a condition precedent to the filing of any lawsuit, arbitration proceeding, or other legal action, they shall first attempt in good faith to resolve any claim, controversy, dispute, difference, demand, or cause of action arising out of or relating to this Agreement, the Services, the Website, or the relationship between the parties through mediation.

Either party may initiate mediation by providing written notice to the other party describing the nature of the dispute. The parties shall have ten (10) business days from the date of such notice to mutually agree upon a mediator.

If the parties are unable to agree upon a mediator within the ten (10) business day period, the dispute shall be submitted to Judicial Arbitration and Mediation Services (JAMS) for mediation in accordance with its Commercial Mediation Rules then in effect. Unless otherwise agreed by the parties, the mediation shall be administered through a Florida office of JAMS or conducted remotely at JAMS' discretion.

The parties shall participate in the mediation in good faith and shall make reasonable efforts to resolve the dispute before pursuing any other remedy. The costs and fees of the mediator shall be shared equally by the parties unless otherwise agreed in writing or determined by the mediator.

No party may commence litigation or arbitration regarding a dispute covered by this provision until the mediation process has been completed or terminated by the mediator, except where a party seeks temporary injunctive relief, emergency equitable relief, collection of undisputed amounts owed, or enforcement of intellectual property rights.

The mediation process and all communications, negotiations, documents, and settlement discussions occurring during mediation shall be confidential and inadmissible in any subsequent legal proceeding to the fullest extent permitted by applicable law.

Confidentiality of Mediation

Any mediation conducted pursuant to this Agreement shall be deemed a confidential settlement negotiation. To the fullest extent permitted by applicable law, all statements, communications, documents, materials, offers, counteroffers, admissions, and disclosures made during the mediation process shall be confidential and shall not be discoverable, admissible, or used as evidence in any subsequent litigation, arbitration, administrative proceeding, or other legal action.

The parties agree that neither the mediator nor any participant in the mediation may be compelled to testify, produce documents, or disclose information regarding the mediation proceedings, except as required by law or as necessary to enforce a written settlement agreement reached during mediation.

The confidentiality protections set forth herein shall apply to all oral, written, electronic, and other communications made in connection with the mediation and shall survive the conclusion, termination, or resolution of the dispute.

Nothing contained herein shall prevent either party from disclosing information otherwise discoverable or admissible merely because such information was used, discussed, or referenced during the mediation process.

Arbitration

If the parties are unable to resolve any claim, controversy, dispute, difference, demand, or cause of action arising out of or relating to this Agreement, the Services, the Website, or the relationship between the parties through the mediation process described above, either party may submit the matter to binding arbitration.

The arbitration shall be administered by Judicial Arbitration and Mediation Services (JAMS) in accordance with its Commercial Arbitration Rules then in effect, except as modified by this Agreement. The arbitration shall be conducted before a single arbitrator selected in accordance with the applicable JAMS rules.

Unless otherwise agreed by the parties, the arbitration shall take place in the State of Florida or may be conducted remotely at the discretion of the arbitrator or JAMS. The arbitrator shall have the authority to award any remedy available under applicable law, subject to the limitations of liability and other provisions contained in this Agreement.

The arbitrator's decision shall be final, binding, and conclusive upon the parties. Judgment upon the arbitration award may be entered and enforced in any court of competent jurisdiction.

The arbitrator shall determine the allocation of arbitration fees, administrative costs, and expenses between the parties. Each party shall bear its own attorneys' fees and costs unless otherwise awarded by the arbitrator or authorized by applicable law or this Agreement.

The parties knowingly and voluntarily waive any right to a trial by jury with respect to any dispute subject to arbitration under this Agreement.

To the fullest extent permitted by law, all arbitration proceedings shall be conducted solely on an individual basis. Neither party shall have the right to participate in, initiate, or recover relief through any class action, collective action, representative action, or private attorney general proceeding.

Enforcement of Covenant to Mediate and Arbitrate

The parties acknowledge and agree that the mediation and arbitration provisions contained in this Agreement are material terms of the parties' relationship and are intended to be specifically enforceable. The covenant to mediate and arbitrate shall be deemed an arbitration agreement for all purposes under applicable federal and state law.

If either party fails or refuses to participate in mediation or arbitration as required by this Agreement, the other party may petition any court of competent jurisdiction in the State of Florida for an order compelling compliance with the mediation and arbitration provisions set forth herein.

The parties agree that a court may stay, dismiss, or otherwise suspend any legal proceeding commenced in violation of the mediation or arbitration requirements of this Agreement until such requirements have been satisfied.

In any action, proceeding, or petition brought to enforce the mediation or arbitration provisions of this Agreement, the prevailing party shall be entitled to recover its reasonable attorneys' fees, court costs, arbitration costs, mediation costs, and other expenses incurred in connection with enforcing such provisions, in addition to any other relief to which it may be entitled.

The rights and remedies set forth in this section are cumulative and shall be in addition to any other rights or remedies available under this Agreement or applicable law.

Entire Agreement

This Customer Agreement, together with the Terms and Conditions, Privacy Policy, service descriptions, pricing schedules, order confirmations, and any other policies or documents expressly incorporated herein by reference, constitute the complete and exclusive agreement between Customer and Velocity REOs, Inc. regarding the Services.

This Agreement supersedes and replaces all prior and contemporaneous discussions, negotiations, understandings, representations, warranties, communications, proposals, agreements, and arrangements, whether written, oral, electronic, or implied, relating to the Services.

Customer acknowledges that it has not relied upon any statement, representation, promise, warranty, or understanding not expressly set forth in this Agreement when entering into this Agreement or purchasing Services from Company.

No modification, amendment, waiver, or addition to this Agreement shall be binding unless made in writing and authorized by Velocity REOs, Inc. Company reserves the right to modify these Terms and Conditions from time to time, with such modifications becoming effective upon posting to Company's website or otherwise providing notice to Customer.

Contact Information

If you have any questions regarding these Terms and Conditions, billing matters, Services, or your account, please contact:

Velocity REOs, Inc.
P.O. Box 110425
Lakewood Ranch, FL 34211

Last Modified: 06-03-2026