Updated 30-10-2016

ViralAccounts.com refers to its entity throughout these Terms of Service and website as “ViralAccounts.com,” “us,” “we” and “our.”  The terms and conditions that follow, as well as e-mail agreements that you receive constitute a legally binding and enforceable contract. It is these terms and conditions that allow us to operate and give you access to our services. ViralAccounts.com Social Loan program is an internet based pawn shop offering short (30 day) term loans on virtual property used as collateral. ViralAccounts.com is owned & operated by SKYNET, Inc.

Prohibited Transactions. Users shall not utilize the site or the loan services in connection with any transaction that involves any illegally obtained items. In addition, ViralAccounts.com, in its sole discretion, may refuse to complete any loan that ViralAccounts.com has reason to believe is unauthorized or made by someone other than you, may violate any law, rule or regulation, or if ViralAccounts.com has reasonable cause not to honor it. Each User agrees to indemnify and not hold ViralAccounts.com accountable for losses resulting from any use, or attempted use, of the Services in violation of this Agreement.

Communication. Every step of the way including; setting terms, verifying identities & tracking of the application will be performed directly via e-mail. In rare cases, we will call the applicant to verify their identity further. You agree that all disclosures and communications regarding this Agreement and the service shall be made by e-mail or on the site, unless the parties make other arrangements. ViralAccounts.com will create, issue, and verify a digital identification (a “Digital ID”) for each User. This Digital ID is attached to each accepted electronic document and notification e-mails. You agree that your Digital ID is a valid “Electronic Signature.”

Obligations of borrowers and loan repayment. ViralAccounts.com requires full ownership of the property before issuing a payment. The borrower must own a Paypal account (http://PayPal.com) in order to receive the funds. In rare cases, we will need temporary access to any e-mail inboxes associated with your social property. Personal identification provided in the application must correspond to your PayPal account information. The borrower is obligated to pay back the full amount with a flat 10% interest fee. The borrower covers all wire / money transfer / Paypal fees. Interest rates are based on the total amount of the loan, including wire / money transfer / Paypal fees. Loan extensions and partial payments are not permitted, unless otherwise specified by ViralAccounts.com. You will be given 14 days to let us know whether you accept or reject our initial offer. If we do not receive any communication from you after 14 days from the date of the offer, we will assume you have rejected the offer. If the transaction type is a “loan”, the loan customer must send full payment (interest accrued) within 30 days of the maturity date specified in our e-mails. If no loan payment is received by the loan maturity date, an administrator will attempt to contact you about the delinquency, in the form of phone calls, emails, and text messages. The borrower will receive a three-day grace period. During the three-day grace period, ViralAccounts.com has the option to extend the last day of grace for the customer. If the loan status is changed to forfeiture one day after the 3 day grace period, the collateral item will be pulled into our inventory and resold to cover our losses. The borrower, upon request, must provide a temporary yet full access to any password-protected areas / accounts / emails that will help ViralAccounts.com establish the origin of the property and secure it for safe keeping.

Canceling a Loan. If a loan cannot be completed for any reason, including cancellation by ViralAccounts.com, ViralAccounts.com will notify the user in such loan by e-mail, to the e-mail address he has provided to ViralAccounts.com. In ViralAccounts.com’s sole discretion, ViralAccounts.com may cancel any loan if the user fails to agree on the terms, as required in the loan details set by ViralAccounts.com.

Our Responsibilities. ViralAccounts.com is obligated to perform only those duties expressly described in this Agreement. ViralAccounts.com shall not be liable for any error in judgment, for any act taken or not taken, or for any mistake of fact or law, except for gross negligence or willful misconduct. ViralAccounts.com shall have no duty to make any inquiry or investigation. Due to the risky nature of our business, ViralAccounts.com cannot be held accountable if for some unforeseen events an account/page/virtual property gets deleted while in our custody. Social accounts are frequently deleted by the platforms they’re served on, for a multitude of reasons. Selling / pawning your social media property could be in violation of the social platform Terms of Service, which naturally increases these risks. ViralAccounts.com will keep your information secure to minimize the risk, however, a deleted account does not constitute a breach of contract. Borrowers are required to accept this inherited risk that comes along with borrowing money on virtual items that they/us have no control of. ViralAccounts.com will use any legal means necessary to collect our payment if such an event occurs.

Security. ViralAccounts.com uses secure sockets layer (“SSL”), a security protocol that provides data encryption, server authentication, and message integrity for connections to the Internet to ensure that the data you provide ViralAccounts.com is not transmitted over the Internet unencrypted and cannot be viewed by unauthorized individuals.

Disclaimers. You expressly agree that your use of the Services is at your sole risk. The Services are provided on a strictly “as-is” and “as-available” basis. ViralAccounts.com MAKES NO WARRANTY WITH REGARD TO THE UNDERLYING TRANSACTION, ANY ITEMS OBTAINED BY YOU THROUGH THE USE OF THE SITE OR THE SERVICES, THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED, TIMELY, OR ERROR FREE. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NEITHER ViralAccounts.com NOR ITS AFFILIATES, SHALL BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, RELATING TO YOUR USE OF THE SITE OR THE SERVICES OR YOUR INABILITY TO USE THE SITE OR THE SERVICES.

Modifications. ViralAccounts.com reserves the right to change this Agreement, or any portion of it, at any time, without prior notice, provided that no such change will apply to an ongoing loan.