1. Who we are
Veto is operated by Heyneman Company, a Delaware corporation doing business as Veto (“Veto,” “we,” “us,” or “our”).
1111b S Governors Avenue, STE 29920
Dover, DE 19904 US
support@tryveto.com · +1 (949) 879-8386
2. When these terms apply
These Terms apply when you visit our website, contact us through the website, use a Veto Transaction Link, interact with a Review Record, or use another Veto service that links to these Terms.
If an escrow office or other customer has signed a Customer Services Agreement, Order Form, data-processing addendum, or other written agreement with Veto, that agreement controls the customer’s and its authorized users’ use of the Services if it conflicts with these Terms. The Field Program Terms control participation in that program. The Messaging Program terms add specific rules for Veto customer-care SMS and RCS messages.
By using a service that links to these Terms, you agree to them. If you use Veto for an organization, you represent that you may bind that organization. You must be at least 18 and legally able to agree to these Terms.
3. The boundary
The office decides. Veto records the review.
Veto may perform or present checks, source evidence, and risk signals for an office to review. Veto does not independently authenticate, approve, authorize, guarantee, or decide any person, account, instruction, transaction, or Review Record. Veto does not release or move funds and does not confirm ownership or control of a bank account.
Veto is not a bank, escrow agent, money transmitter, fiduciary, insurer, or law firm. Veto does not provide banking, escrow, financial, fiduciary, insurance, legal, or compliance advice. A Review Record is evidence of a review, not proof that an instruction, person, or account is authentic or safe.
4. Transaction Participants
An escrow office or other Veto customer may send a Transaction Link to a buyer, seller, payee, borrower, lender, or other participant. The customer—not Veto—selects the workflow, controls the transaction, and decides what to do with the response.
- Provide information that is accurate and yours to provide.
- Use the link only for the transaction and person for which it was issued.
- Do not forward the link, share access codes, or let another person respond for you.
- If information looks wrong, stop and contact the office through a phone number or channel you independently know is genuine.
Completing a Veto workflow does not authorize a transfer, change wire instructions, or create an escrow, banking, fiduciary, or advisory relationship with Veto.
5. Never change payment instructions through Veto support
Veto chat, SMS, RCS, email, and support channels are not a channel for changing wire instructions, account numbers, routing numbers, payees, or disbursement directions. Send any requested change only through the office’s independently verified procedure.
6. Accounts and authorized use
Customer accounts are for authorized personnel only. Keep credentials and access codes confidential, use available multi-factor authentication, and tell Veto promptly about suspected compromise or personnel changes. You are responsible for activity under your account except to the extent caused by Veto’s breach of an applicable written agreement.
You may not:
- use Veto unlawfully, deceptively, or to harm another person;
- impersonate someone, submit information without authority, or bypass access controls;
- probe, disrupt, overload, or introduce malicious code into the Services;
- scrape the Services abusively or access another customer’s information;
- reverse engineer or resell the Services except where law expressly permits it; or
- use Veto output as Veto’s approval, authorization, guarantee, or instruction to move funds.
7. Data and privacy
Our Privacy Policy explains how we handle personal information. Our Cookie and Local Storage Notice, Subprocessor List, and Identity and Biometric Information Notice provide more detail.
As between Veto and a customer, the customer retains its rights in customer-submitted transaction data and finalized Review Records. The customer gives Veto only the rights needed to provide, secure, support, export, and delete the Services and data; follow documented instructions; prevent fraud or security threats as permitted by the applicable agreement and law; and comply with law.
Do not submit Social Security numbers, account passwords, security codes, payment-card authentication data, health information, biometric identifiers, or government-ID images except through a Veto workflow expressly designated for that type of information.
Messaging customer care
With the recipient’s prior consent during an active escrow transaction, as described on the Messaging Program page, Heyneman Company, doing business as Veto, may send that recipient non-promotional SMS or RCS customer-care messages about the active escrow file.
Messages may:
- identify the participating escrow office and initiating officer;
- provide a Veto Transaction Link for Buyer Funding or Seller Proceeds review;
- provide a reminder or status update;
- confirm that information was submitted to the office; or
- respond to a support, HELP, STOP, or START request.
A participating escrow office introduces the program and assists Veto with obtaining and recording consent. Veto is the consumer-facing sender. The participating office controls the escrow transaction and decides what action to take.
Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase. RCS may fall back to SMS when RCS is unavailable. Carriers are not liable for delayed or undelivered messages.
Reply STOP, QUIT, CANCEL, END, STOPALL, or UNSUBSCRIBE to opt out. Reply HELP for help. Reply START only to resume after a prior opt-out.
Veto does not sell mobile numbers, opt-in information, or consent, and does not share them with third parties or affiliates for promotional or marketing purposes.
In particular, bank account numbers, routing numbers, government-ID images, passwords, and changes to payment instructions must not be requested or transmitted inside the SMS or RCS message thread. A secure Veto link may open a separate workflow designated to collect information requested by the office.
A Veto message, RCS verification mark, delivery receipt, read receipt, button, status update, or completed workflow does not authorize a transfer, verify the underlying transaction, or replace the office’s independent procedure and decision. Never send funds based only on a message.
Veto support cannot change payment instructions. Any change must follow the escrow office’s independently verified procedure.
RCS customer care
When a buyer or seller consents during an active escrow transaction, Veto may use RCS to deliver the same non-promotional customer-care program, including a secure Buyer Funding or Seller Proceeds review link, a transactional status update, or a support action.
In particular, bank account numbers, routing numbers, government-ID images, passwords, and changes to payment instructions are never requested or transmitted inside the RCS message thread. A secure Veto Transaction Link may open a separate workflow designated to collect information requested by the office.
9. Ownership and feedback
Veto and its licensors own the Services, software, workflows, templates, interfaces, branding, and related intellectual property. These Terms give you a limited, nonexclusive, nontransferable, revocable right to use the Services as intended. They do not transfer ownership of Veto technology.
If you give us feedback without customer data or confidential information, Veto may use it without restriction or payment. Veto will not identify a customer as the source of feedback without permission.
10. Third-party services
Veto uses service providers and may link to services such as identity, bank-connection, scheduling, or communications tools. Their own terms may apply when you choose to use them. A third-party result shown by Veto is source evidence with limitations; it is not Veto’s independent verification or guarantee.
11. Changes, previews, and availability
Veto may change, suspend, or discontinue a feature and may label features as preview, beta, or evaluation. Those features may be incomplete or change without notice. Unless a signed agreement states a service level, Veto does not promise uptime, response time, or emergency support.
We may suspend a link, account, workflow, or integration when reasonably needed to protect security, customer separation, legal compliance, service integrity, or users.
12. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES, WEBSITE, TRANSACTION LINKS, AND REVIEW RECORDS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” VETO DISCLAIMS IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY.
Veto does not warrant that the Services will be uninterrupted, error-free, or completely secure; that a person, account, instruction, or transaction is authentic; that fraud or error will be detected or prevented; or that using Veto satisfies anyone’s legal, regulatory, professional, insurance, or standard-of-care obligations.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, VETO WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS, REVENUE, DATA, OR GOODWILL. VETO WILL NOT BE LIABLE FOR LOSS ARISING FROM A WIRE, DISBURSEMENT, OR OTHER MOVEMENT OF FUNDS, OR FROM A DECISION OR ACTION BY A CUSTOMER OR TRANSACTION PARTICIPANT.
VETO’S TOTAL AGGREGATE LIABILITY UNDER THESE TERMS WILL NOT EXCEED THE GREATER OF $1,000 OR THE AMOUNT YOU PAID VETO FOR THE APPLICABLE SERVICE IN THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. This section does not limit liability that law does not allow us to limit, or liability for Veto’s fraud, willful misconduct, gross negligence, or willful injury to a person or property. A signed Customer Services Agreement may set different rules and controls for claims under that agreement.
14. Ending use
You may stop using the website or a Transaction Link at any time. Customers may cancel under their signed agreement. Sections that by their nature should continue—including ownership, privacy, disclaimers, liability limits, and general terms—survive the end of use.
15. Governing law and general terms
California law governs these Terms, without regard to conflict-of-law principles. The state and federal courts in Los Angeles County, California have exclusive jurisdiction over disputes relating to these Terms, except where applicable law gives a consumer the right to bring a claim elsewhere.
These Terms, together with the policies and program terms they link to, are the entire agreement about the services they govern. If a provision is unenforceable, the rest remains effective. A delay in enforcement is not a waiver. There are no third-party beneficiaries. Electronic acceptance and signatures are valid.
16. Changes to these Terms
We may update these Terms. We will post the new version and its effective date here. If a change materially reduces rights for an existing customer, the customer’s signed agreement controls the notice and amendment process. Changes do not retroactively alter a signed agreement.
17. Contact
Questions about these Terms: support@tryveto.com or +1 (949) 879-8386.