Last Updated: March 21, 2026
Welcome to Visual Culture & Investments, LLC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website.
You may use our website for lawful purposes only. You agree not to:
All content on this website, including text, graphics, logos, images, and software, is the property of Visual Culture & Investments, LLC and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
Submitting an inquiry or application through our website does not guarantee approval for funding. All funding decisions are made at the sole discretion of Visual Culture & Investments, LLC based on our underwriting criteria, which may include but are not limited to credit history, business financials, industry risk, and other factors.
You agree to provide accurate, current, and complete information when submitting inquiries or applications. Providing false or misleading information may result in denial of services and potential legal action.
The information provided on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals before making any financial decisions.
By opting in to receive SMS/text messages from Visual Culture & Investments, LLC, you agree to the following terms:
Consent to Receive Messages: You consent to receive recurring marketing and promotional SMS/MMS messages from Visual Culture & Investments, LLC sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Message and Data Rates: Message and data rates may apply based on your mobile carrier plan. Please contact your carrier for details on your messaging plan.
Opt-Out Instructions: You may opt out at any time by replying STOP to any text message you receive from us. After you send the message STOP, we will send you a confirmation message. You will no longer receive messages from us.
Help Instructions: For assistance or more information, reply HELP to any message or contact us at zifen@visualcultureinvestments.com.
Consent Not Required for Purchase: Consent to receive SMS messages is NOT a condition of purchase or use of our services. You may contact us through other channels including email or our website contact form.
Carrier Liability: Carriers are not liable for delayed or undelivered messages. Message delivery is subject to carrier network availability and other factors outside our control.
Privacy: Your mobile number and opt-in information will be used in accordance with our Privacy Policy. We do not sell or share your mobile information with third parties for their marketing purposes.
If you opt in to receive email communications from us, you consent to receive marketing emails about our services, funding options, and industry insights. You may unsubscribe at any time by clicking the "unsubscribe" link in any email or by contacting us directly.
Our website may contain links to third-party websites that are not owned or controlled by Visual Culture & Investments, LLC. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to:
To the fullest extent permitted by law, Visual Culture & Investments, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
You agree to indemnify, defend, and hold harmless Visual Culture & Investments, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our website or services, or your violation of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or your use of our website shall be resolved exclusively in the state or federal courts located in Multnomah County, Oregon.
We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of our website after any changes constitutes your acceptance of the updated Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Visual Culture & Investments, LLC regarding your use of our website.
If you have any questions about these Terms & Conditions, please contact us:
Visual Culture & Investments, LLC
3820 S River Parkway
Portland, OR 97239
Email: zifen@visualcultureinvestments.com