Effective Date: January 1, 2024
Last Updated: July 11, 2026

These Terms of Service (“Terms”) govern your access to and use of the website, online forms, accounts, communications, information, and services provided by Vacation Ownership Services Title Agency, LLC, doing business as Vacation Ownership Services and VOSTA (“VOSTA,” “we,” “us,” or “our”).

By accessing or using our website, creating an account, submitting a form, requesting services, electronically accepting a proposal, making a payment, or otherwise engaging VOSTA, you acknowledge that you have read and agree to these Terms and our Privacy Statement.

Our Privacy Statement is available at:

https://vacationownershipservices.com/privacy-statement

Text messaging provided by or on behalf of VOSTA is also governed by our separate SMS Terms of Service, available at:

https://vacationownershipservices.com/sms-terms-of-service

If you do not agree with these Terms, do not use the website or submit information through it.

VOSTA provides services relating to vacation ownership and timeshare interests. Depending on the transaction, jurisdiction, and written scope of work, these services may include:

• Title searches and ownership research;
• Preparation and coordination of deeds and related transfer documents;
• Ownership changes arising from marriage, divorce, death, probate, trusts, gifts, or other circumstances;
• Recording and electronic-recording coordination;
• Resort, homeowners association, management company, and transfer-agent coordination;
• Foreclosure and inventory-recovery support;
• Voluntary surrender and deed-back coordination;
• Escrow or settlement coordination where offered and legally permitted;
• Title insurance coordination through authorized providers;
• Document retrieval;
• Compliance, identity-verification, and reporting support;
• Consulting and project-management services; and
• Other services described in a written proposal, engagement agreement, invoice, or order confirmation.

The availability and scope of services vary by state, county, territory, resort, management company, transaction type, and applicable law.

The information appearing on our website is provided for general educational and informational purposes. Website content is not a substitute for advice based on the complete facts of a particular transaction.

Real estate, probate, divorce, trust, tax, foreclosure, recording, notarization, and timeshare laws vary significantly among jurisdictions. Procedures and requirements may change without notice.

You should not take or refrain from taking action based solely on information found on the website.

VOSTA is not a law firm, and the use of our website or services does not create an attorney-client relationship.

Unless a separately identified attorney has been retained under a written agreement, VOSTA does not:

• Represent you in court;
• Provide legal opinions;
• Resolve disputes between parties;
• Determine inheritance rights;
• Interpret divorce judgments, wills, trusts, or court orders as your attorney;
• Provide tax, financial, or estate-planning advice; or
• Provide communications protected by attorney-client privilege.

When a matter requires legal advice, probate proceedings, litigation, a court order, or attorney-prepared documents, we may recommend or coordinate with an independent attorney. The attorney may require a separate engagement agreement and separate payment.

You are responsible for determining whether to obtain independent legal, tax, financial, or other professional advice.

Unless expressly stated in a separate written agreement, VOSTA is not acting as a real estate broker, timeshare resale broker, sales agent, or investment adviser.

Timeshare interests displayed or mentioned on the website may be presented as a courtesy to owners or prospective purchasers. VOSTA does not independently guarantee:

• The seller’s ownership or authority;
• The accuracy of a listing;
• The condition, availability, market value, or usage rights of an ownership;
• The amount of maintenance fees, assessments, taxes, loans, or other obligations;
• Resort acceptance of a buyer or transfer;
• The availability of exchange-company benefits; or
• The financial suitability of a transaction.

Prospective buyers and sellers are responsible for conducting their own due diligence and obtaining professional advice where appropriate.

Website use alone does not require VOSTA to accept or complete a transaction.

A service relationship may be established through a written proposal, engagement agreement, order form, invoice, email authorization, payment request, or other written confirmation accepted by VOSTA and the client.

A project-specific agreement may contain additional or different terms concerning:

• The scope of services;
• Fees and deposits;
• Refunds;
• Estimated timelines;
• Client responsibilities;
• Third-party expenses;
• Document preparation;
• Title insurance;
• Escrow or settlement services;
• Dispute resolution; and
• Governing law.

If a project-specific written agreement conflicts with these Terms, the project-specific agreement controls with respect to that project.

Prices displayed on the website are general information and may not reflect the final price for a particular transaction.

The final cost may depend on factors including:

• The state, county, territory, or foreign jurisdiction involved;
• The number of ownership interests or title chains;
• The number and type of documents required;
• Trust, probate, divorce, estate, or entity issues;
• Title defects or missing documents;
• Expedited processing;
• Resort requirements;
• Recording taxes and governmental fees;
• Transfer fees, estoppel fees, assessments, or maintenance fees;
• Mailing, notarization, apostille, translation, or courier expenses;
• Attorney involvement; and
• Work requested after documents have been prepared.

Unless expressly stated otherwise, quotes are estimates based on information available when issued.

A written proposal, invoice, or service agreement issued for your transaction controls over general prices or statements appearing elsewhere on the website.

You agree to pay all fees and costs described in the applicable proposal, invoice, order, or service agreement.

VOSTA may require an initial deposit or advance payment before opening a file, conducting research, ordering documents, or preparing instruments.

Unless the applicable written agreement states otherwise:

1. Initial payments may be applied to intake, consultation, research, file setup, document retrieval, communication, title review, drafting, and other work performed.
2. Amounts earned for work already performed are not refundable.
3. Third-party charges and costs already incurred or committed are not refundable.
4. Any refund will be determined based on the work performed, costs incurred, written agreement, and applicable law.
5. Final balances may be required before documents are released, submitted for recording, or delivered to a resort or management company.

Third-party expenses may include recording fees, documentary taxes, transfer taxes, title searches, title insurance premiums, resort fees, homeowners association fees, attorney fees, government fees, notary fees, courier charges, postage, electronic-recording charges, credit-card processing charges, and similar costs.

VOSTA may require these costs to be paid directly to the third party or advanced to VOSTA before they are incurred.

Contact VOSTA promptly if you believe a payment is incorrect.

Initiating a chargeback does not automatically cancel an engagement, eliminate an amount owed, or reverse work already completed or expenses already incurred.

You agree not to submit a knowingly false, fraudulent, or misleading payment dispute.

VOSTA may suspend work while a payment dispute is pending and may provide the payment processor or financial institution with relevant agreements, invoices, communications, work records, and transaction documentation.

Nothing in this section limits any legitimate rights you may have under applicable payment-card or consumer-protection laws.

You agree to provide complete, accurate, current, and truthful information.

You are responsible for:

• Identifying all current owners and interested parties;
• Disclosing divorces, deaths, marriages, trusts, estates, bankruptcies, liens, disputes, court proceedings, loans, assessments, and other material circumstances;
• Providing complete copies of deeds, judgments, trusts, death certificates, court orders, powers of attorney, identification, and other requested documents;
• Reviewing all names, legal descriptions, ownership interests, addresses, dates, consideration amounts, and vesting language;
• Confirming that all parties understand and voluntarily approve the transaction;
• Obtaining independent advice concerning legal, tax, estate-planning, or financial consequences;
• Signing and notarizing documents correctly and promptly;
• Returning original documents when originals are required;
• Paying required fees and expenses; and
• Responding promptly to requests for additional information.

VOSTA may rely on information and documents you or your representatives provide unless we have actual knowledge that they are incorrect.

You are responsible for losses, delays, rejections, or added expenses resulting from incomplete, inaccurate, misleading, or late information.

By submitting information concerning another person, trust, estate, company, ownership interest, or transaction, you represent that you have lawful authority to provide the information and request the applicable services.

You may not:

• Impersonate another person;
• Forge or alter documents;
• Submit information without proper authority;
• Conceal a known owner, lien, creditor, heir, spouse, beneficiary, dispute, or legal proceeding;
• Request preparation or recording of a document for an unlawful or fraudulent purpose; or
• Use VOSTA’s services to deprive another person of property or legal rights.

VOSTA may decline, suspend, or terminate a matter if authority is disputed or cannot be reasonably verified.

VOSTA may require identity and authority verification before providing or completing services.

Depending on the transaction, we may request:

• Government-issued identification;
• Social Security, tax-identification, passport, or entity information;
• Trust or estate documentation;
• Beneficial-ownership information;
• Proof of address;
• Source-of-funds information;
• Ownership records;
• Marital-status information;
• Notarized certifications; or
• Other information required by law, a title insurer, financial institution, recorder, resort, attorney, or government agency.

We may use third-party services to verify identity, detect fraud, conduct compliance reviews, or satisfy reporting requirements.

VOSTA may refuse, suspend, delay, or terminate services when information is incomplete, inconsistent, suspicious, legally prohibited, or insufficient to satisfy applicable compliance requirements.

We may make reports or disclosures required or permitted by law without notifying you when notice is prohibited.

VOSTA will perform accepted services in a commercially reasonable manner, subject to the applicable written agreement. However, we do not guarantee that:

• A deed or other document will be accepted for recording;
• A recorder will index a document in a particular manner;
• A resort, homeowners association, exchange company, developer, lender, or management company will approve or recognize a transfer;
• A title defect can be corrected without additional documents, parties, legal proceedings, or expense;
• A missing person, heir, former spouse, trustee, owner, or creditor will cooperate;
• A voluntary surrender or deed-back will be accepted;
• A foreclosure will be completed within a particular period;
• A title insurer will issue a policy;
• An attorney will accept a matter;
• A government agency will approve a filing;
• A transfer will eliminate existing assessments, maintenance fees, taxes, loans, liens, judgments, or other obligations; or
• A matter will be completed by a particular date.

Recording a deed does not necessarily update a resort’s ownership records or release a person from contractual, financial, membership, or association obligations.

A transfer should not be considered fully completed until all required documents have been properly executed and recorded and all applicable resort, association, lender, club, exchange-company, or management-company requirements have been satisfied.

Any completion date or processing time provided by VOSTA is an estimate unless expressly guaranteed in writing.

Timelines may be affected by circumstances outside our control, including:

• Government and recorder processing times;
• Resort and management-company response times;
• Mail and courier delays;
• Notary availability;
• Attorney review;
• Missing or defective records;
• Party cooperation;
• Court proceedings;
• Title defects;
• Compliance reviews;
• Weather emergencies;
• System outages; and
• Changes in law or procedure.

VOSTA is not responsible for delays caused by third parties, incomplete information, document-signing errors, or circumstances beyond our reasonable control.

You consent to receive transaction-related communications electronically, including by email, secure portal, electronic-signature platform, telephone, or other electronic method.

Electronic communications may include:

• Proposals;
• Invoices;
• Forms;
• Disclosures;
• Document drafts;
• Signature requests;
• Transaction updates;
• Notices; and
• Completed documents.

Your electronic acceptance, typed name, checkbox selection, electronic signature, or similar action may constitute your signature and agreement to the applicable record where permitted by law.

Some deeds, affidavits, court documents, notarizations, government filings, or other instruments may still require wet-ink signatures, witnesses, original documents, specific notarization procedures, or physical delivery.

VOSTA will provide signing instructions based on the information available to us, but you remain responsible for following those instructions and ensuring that documents are properly signed and notarized.

You are responsible for maintaining a current email address and telephone number and for reviewing communications sent to those addresses.

Text messages sent by or on behalf of VOSTA are governed by our separate SMS Terms of Service.

The SMS Terms of Service describe:

• The types of text messages you may receive;
• Consent requirements;
• Message frequency;
• Message and data charges;
• How to opt out by replying STOP;
• How to request assistance by replying HELP;
• Mobile-number privacy practices; and
• Other conditions applicable to the VOSTA text-messaging program.

The SMS Terms of Service are available at:

https://vacationownershipservices.com/sms-terms-of-service

If these Terms conflict with the SMS Terms of Service regarding text messaging, the SMS Terms of Service control.

Consent to receive SMS messages is not a condition of purchasing services from VOSTA.

Certain website features may permit you to create an account or access transaction information.

You are responsible for:

• Maintaining the confidentiality of usernames, passwords, and access links;
• Restricting access to your devices and email accounts;
• Using accurate account information; and
• Promptly notifying VOSTA of suspected unauthorized access.

You may not use another person’s account without authorization.

VOSTA may suspend or terminate account access when we reasonably believe an account has been compromised or used improperly.

Our collection and use of personal information are described in our Privacy Statement, which is incorporated into these Terms by reference.

The Privacy Statement is available at:

https://vacationownershipservices.com/privacy-statement

Because title and ownership transactions may require sensitive personal information, do not send identification documents, Social Security numbers, banking information, passwords, or other highly sensitive information through unsecured channels unless instructed to do so.

No internet transmission or storage system can be guaranteed to be completely secure. You acknowledge the inherent risks associated with electronic communications.

You retain your ownership rights in documents and information you submit.

You grant VOSTA and its service providers a limited right to access, copy, store, transmit, modify, and use submitted materials as reasonably necessary to:

• Evaluate your request;
• Provide contracted services;
• Prepare transaction documents;
• Communicate with parties and service providers;
• Complete filings and recordings;
• Prevent fraud;
• Comply with legal obligations; and
• Maintain appropriate business and transaction records.

You represent that submitted materials do not violate another person’s privacy, intellectual-property, contractual, or other rights.

VOSTA may retain transaction records as required by law, insurance obligations, professional standards, fraud-prevention practices, or legitimate business needs.

The website and its original content—including text, graphics, logos, forms, checklists, layouts, videos, photographs, databases, and downloadable materials—are owned by or licensed to VOSTA and are protected by applicable intellectual-property laws.

VOSTA grants you a limited, revocable, nonexclusive, nontransferable right to access and use the website for lawful personal or internal business purposes.

You may not, without written permission:

• Copy or republish substantial portions of the website;
• Sell or commercially exploit website content;
• Remove copyright, trademark, or ownership notices;
• Use VOSTA’s name or logo in a misleading manner;
• Scrape, harvest, or systematically download website content;
• Reverse engineer website systems;
• Create a competing database using website content; or
• Represent VOSTA’s forms or materials as your own work product.

You may not use the website or services to:

• Violate any law or regulation;
• Commit or facilitate fraud;
• Transmit malicious code;
• Interfere with website operation or security;
• Attempt unauthorized access to systems or accounts;
• Collect information about other users without permission;
• Submit false reviews, testimonials, applications, or documents;
• Harass VOSTA personnel, clients, or third parties;
• Infringe intellectual-property or privacy rights; or
• Engage in conduct that could damage VOSTA, its clients, service providers, or systems.

The website may contain links to or integrations with third-party websites and services, including:

• Government offices;
• County recorders;
• Resorts and management companies;
• Attorneys;
• Notaries;
• Title insurers;
• Payment processors;
• Electronic-signature providers;
• Telecommunications and SMS providers;
• Shipping companies;
• Social-media platforms;
• Review platforms;
• Mapping services; and
• Cloud-storage or website providers.

VOSTA does not control and is not responsible for the content, security, availability, privacy practices, accuracy, pricing, or performance of third-party services.

Your use of a third-party service may be governed by that party’s own terms and privacy policy.

References to a resort, brand, association, exchange company, developer, or other organization do not imply sponsorship, endorsement, affiliation, or approval unless expressly stated.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND GENERAL WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

VOSTA DISCLAIMS ALL WARRANTIES NOT EXPRESSLY PROVIDED IN A WRITTEN SERVICE AGREEMENT, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND ERROR-FREE OPERATION.

VOSTA DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, COMPLETELY SECURE, OR FREE OF ERRORS OR HARMFUL COMPONENTS.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

TO THE FULLEST EXTENT PERMITTED BY LAW, VOSTA AND ITS OWNERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST USE, LOST OPPORTUNITIES, LOSS OF DATA, OR EMOTIONAL DISTRESS, ARISING FROM THE WEBSITE OR SERVICES.

Except where prohibited by law, VOSTA’s total liability arising from a particular service matter will not exceed the amount of professional service fees actually paid to VOSTA for the specific service giving rise to the claim.

Government fees, resort fees, taxes, insurance premiums, attorney fees, recording fees, and other pass-through costs are not included when calculating that amount.

These limitations do not apply to liability that cannot legally be limited, including liability resulting from fraud, willful misconduct, or gross negligence where applicable law prohibits limitation.

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless VOSTA and its owners, employees, contractors, and service providers from third-party claims, damages, losses, liabilities, and reasonable expenses arising from:

• Your unlawful use of the website or services;
• Materially false or misleading information you provide;
• Documents you submit without proper authority;
• Fraud, forgery, impersonation, or concealment by you;
• Your violation of another person’s ownership, privacy, contractual, or intellectual-property rights; or
• Your material breach of these Terms.

This section does not require you to indemnify VOSTA for VOSTA’s own fraud, willful misconduct, gross negligence, or other conduct for which indemnification cannot lawfully be required.

VOSTA may suspend or terminate website access or services when:

• Required information or payment is not provided;
• A party’s authority is disputed;
• We reasonably suspect fraud, forgery, identity theft, money laundering, or unlawful conduct;
• Continuing the matter could violate law, insurance requirements, professional obligations, or third-party rules;
• A conflict of interest arises;
• A client engages in threats, harassment, or abusive conduct;
• The requested service is outside our authorized or available scope; or
• The applicable service agreement permits termination.

Termination does not eliminate obligations accrued before termination, including payment for work performed and expenses incurred.

We encourage you to contact us promptly if you have a concern. Many disputes can be resolved by reviewing the file, communications, scope of work, and third-party requirements.

Before filing a lawsuit concerning these Terms or website services, each party agrees to provide the other with written notice describing the dispute and requested resolution and to allow at least 30 days for a good-faith attempt to resolve it.

This informal notice requirement does not prevent either party from:

• Seeking emergency injunctive relief;
• Filing a claim before a legal deadline expires; or
• Using a court or administrative process where advance notice cannot lawfully be required.

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

Subject to mandatory consumer-protection laws and any controlling project-specific agreement, disputes relating to these Terms or the website shall be brought in a state or federal court with jurisdiction over Kings County, New York.

A dispute directly concerning title to real property, probate proceedings, foreclosure proceedings, or another matter subject to mandatory local jurisdiction may be required to proceed in the jurisdiction where the property or proceeding is located.

Nothing in these Terms prevents an eligible party from bringing a claim in an appropriate small-claims court.

These Terms do not waive rights or remedies that cannot be waived under applicable federal, state, territorial, or local law.

Where a provision conflicts with a mandatory consumer-protection law, the mandatory law controls, and the remaining provisions remain effective to the fullest extent permitted.

VOSTA may revise these Terms to reflect changes in our website, services, business practices, technology, or legal obligations.

The updated Terms will be posted at:

https://vacationownershipservices.com/terms-of-service

The revised Terms will include a new “Last Updated” date.

Changes will apply prospectively unless applicable law permits otherwise.

Material changes affecting an active service engagement may also be communicated by email, account notice, invoice, proposal, or other reasonable method.

Your continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms.

You may not assign your rights or obligations under these Terms without VOSTA’s written consent.

VOSTA may assign these Terms in connection with a merger, reorganization, sale of assets, financing, transfer of operations, or similar business transaction, subject to applicable privacy and consumer-protection laws.

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted or modified only as necessary to make it enforceable.

The remaining provisions will remain in effect.

A failure or delay by VOSTA in enforcing a provision does not waive that provision or the right to enforce it later.

Any waiver must be in writing and applies only to the specific matter identified.

These Terms, the Privacy Statement, the SMS Terms of Service, and any applicable project-specific service agreement constitute the agreement between you and VOSTA concerning the website and applicable services.

They supersede prior discussions or representations concerning the same subject, except for terms contained in an active written service agreement.

The applicable policies are available at:

Terms of Service:
https://vacationownershipservices.com/terms-of-service

Privacy Statement:
https://vacationownershipservices.com/privacy-statement

SMS Terms of Service:
https://vacationownershipservices.com/sms-terms-of-service

Questions concerning these Terms may be directed to:

Vacation Ownership Services Title Agency, LLC
Doing business as Vacation Ownership Services and VOSTA
625 40th Street, Apt. 2
Brooklyn, New York 11232

Email: Support@VacationOwnershipServices.com
Telephone: 760-517-7870