Terms & Conditions

VBA TERMS OF USE
Last Revised: February 26, 2025

 
Welcome to VBA LLC (“Company,” “we,” “our,” or “us”). We are truly excited to have you aboard. By accessing or using our website (vbaspire.com), services, or platforms—including Kreadiv, VBA Connect (powered by Circle), our events, and our digital or physical offerings—you agree to comply with these Terms & Conditions. Please read them carefully.

Below we have listed important legal terms that apply to anyone who visits our website or uses our services. These terms are necessary in order to protect both you and us and to make our services possible and more enjoyable for everyone. VBA offers a wide range of services and features and part of the terms below may not be relevant to the specific services you use.

​We understand that legal terms can be exhausting to read, and we’ve tried to make the experience more pleasant. If you have suggestions on how we can improve them, you are welcome to contact us.

1. Introduction

1.1 Contract

By clicking “Join Now,” “Join VBA,” “Sign Up,” or similar, registering, accessing, or using our services, you agree to enter into a legally binding contract with VBA. If you do not agree, do not access or use our services. If you wish to terminate this contract, you may close your account at any time.

These Terms apply to:

  • VBA-branded sites and services

  • VBA Connect (powered by Circle)

  • Kreadiv Marketing Services

  • VBA-related applications, communications, and platforms

Your use of our Services is also subject to our Privacy Policy and Cookie Policy, which cover how we collect, use, and store your data.

Users of VBA Connect are additionally subject to Circle's Terms & Conditions, found here: https://circle.so/terms.

2. Eligibility

To use VBA Services, you must:

  • Be at least 18 years old or older, if required by law.

  • Provide accurate account information.

  • Not have been previously restricted from using VBA services.

  • Maintain only one VBA account per individual or business.

Creating an account with false information is a violation of our terms.

3. Services Provided

3.1 VBA Connect (Powered by Circle)

VBA Connect is a networking platform for entrepreneurs and business professionals. By using VBA Connect, you agree to:

  • Follow community guidelines set by VBA.

  • Abide by Circle’s Terms & Conditions (https://circle.so/terms).

  • Not engage in prohibited activities that disrupt the community.

3.2 Kreadiv Marketing Services

Kreadiv provides branding, digital marketing, and content creation services. By purchasing services from Kreadiv:

  • You grant VBA the right to create and distribute materials on your behalf.

  • VBA retains ownership of any created content unless explicitly transferred.

  • Refunds and cancellations are subject to the service agreement.

3.3 VBA Events

VBA hosts networking events, workshops, and conferences for business professionals and entrepreneurs. By attending or participating in VBA events, you agree to:

  • Adhere to event-specific guidelines and policies.

  • Conduct yourself professionally and respectfully.

  • Release VBA from liability for any injuries or damages incurred at events.

3.4 Purchasing Products and Services

By purchasing any VBA products or services, you agree to:

  • Pay the listed prices in USD, subject to change.

  • Provide accurate payment information.

  • Understand that no refunds are issued once services have been rendered.

  • Adhere to applicable subscription & membership policies.

4. Intellectual Property

All content, logos, and trademarks on VBA platforms are owned by VBA LLC. You may not copy, distribute, or use our materials without written permission.

5. User Conduct

You agree not to:

  • Use VBA services for illegal activities.

  • Post defamatory, harmful, or obscene content.

  • Attempt to hack or disrupt VBA services.

Violations may result in account suspension or legal action.

6. Payments, Refunds, and Cancellations

6.1 Payments

  • Payments are securely processed through Stripe or Zelle.

  • Users are responsible for paying applicable taxes.

6.2 Refund Policy

  • Kreadiv services: Refunds available only before work begins.

  • Digital products: Non-refundable after purchase.

  • Physical products: Refunds available if defective upon arrival.

6.3 Cancellations

  • Services may be canceled before work begins for a full refund.

  • Cancellations after service initiation are non-refundable.

7. Limitation of Liability

  • VBA is not responsible for business losses, delays, or disruptions.

  • Services are provided “as is,” without warranties.

VBA is not liable for damages resulting from service use or misuse.

8. Termination of Services

VBA reserves the right to suspend or terminate accounts violating these terms or engaging in fraudulent activity.

9. Governing Law (Missouri Law)

These Terms & Conditions are governed by the laws of the State of Missouri. Disputes will be subject to Missouri state and federal courts.

10. Dispute Resolution

  • Disputes will first be attempted to be resolved through mediation.

  • If unresolved, disputes will be handled under Missouri law.

11. Changes to These Terms

We may update these Terms at any time. Continued use of VBA services implies acceptance of updated terms.

12. Contact Information

For any questions regarding these Terms & Conditions, contact:

legal@vbaspire.com

8301 State Line Rd. Ste 220 #1604, Kansas City, MO 64114