Terms of Use

Acceptance of terms

By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy, which is incorporated here by reference. If you do not agree to these Terms, do not use the Site.

These Terms do not affect your rights under the Fair Debt Collection Practices Act (FDCPA), Regulation F, or any other applicable federal or state consumer protection law. Nothing in these Terms waives any rights you have as a consumer.

Permitted use

You may use the Site only for lawful purposes and in accordance with these Terms. Specifically, you agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to any part of the Site or its underlying systems
• Transmit any harmful, offensive, or disruptive content
• Use automated tools, bots, or scrapers to access or collect information from the Site without our written permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

We reserve the right to suspend or terminate access to the Site for any user who violates these Terms.

Payment portal

The payment portal at pay.vexrecovery.com allows consumers to view their account information, execute settlement agreements, and submit payments toward outstanding debt balances. By using the payment portal, you acknowledge:

• Electronic signatures: Any signature you provide through the portal constitutes a legally binding electronic signature under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq. You agree that electronic signatures have the same legal effect as handwritten signatures.
• Bank account authorization: By linking your bank account through Plaid Technologies, Inc., you authorize Vex Recovery Group LLC to initiate ACH debits from your account in the amounts and on the dates you select. You are responsible for ensuring sufficient funds are available on payment dates.
• Payment plans: If you establish a payment plan, you agree to the schedule confirmed at sign-up. Missed payments may result in your plan being cancelled and the remaining balance becoming due.
• Settlement agreements: Settlements are final once payment is received and processed. We will provide written confirmation of account resolution upon completion.
• Accuracy: You are responsible for ensuring that all information you provide — including bank account details — is accurate and complete.

Text messaging

By providing your mobile phone number to Vex Recovery Group LLC or through the payment portal, you consent to receive SMS text messages from us regarding your account, including payment reminders, settlement notifications, payment confirmations, and responses to your inquiries.

Message frequency: Message frequency varies based on account activity, typically 1–4 messages per month.

Message and data rates may apply. Standard carrier rates apply. Contact your mobile carrier if you have questions about your plan.

We do not sell or share your mobile number with third parties for marketing purposes.

To opt out: Reply STOP to any text message at any time. You will receive one confirmation message and no further texts will be sent. To re-enroll, reply START.

For help: Reply HELP to any message, call (844) 480-5979, or email [email protected].

Supported carriers include AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, MetroPCS, US Cellular, and most major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

Intellectual property

All content on the Site — including text, graphics, logos, images, and software — is the property of Vex Recovery Group LLC or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any Site content without our express written permission.

Disclaimer of warranties

The Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Nothing on the Site constitutes legal or financial advice. If you have questions about your rights or obligations, we encourage you to consult a qualified attorney.

Limitation of liability

To the fullest extent permitted by applicable law, Vex Recovery Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or your use of the Site shall not exceed the amount you paid to us in the six months preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain types of damages, so some of the above limitations may not apply to you.

Governing law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Erie County, New York.

Changes to these terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

Contact us

If you have questions about these Terms, please reach out:

These Terms are provided for informational purposes. We recommend having this document reviewed by qualified legal counsel before publishing.