Web Accessibility2021-11-29T13:31:11-06:00

Web Accessibility

Web Accessibility

Web Accessibility

Vault by TBO Bank is committed to serving the needs of all customers, including users with disabilities. To that end, we are continually updating and refining our website and content to meet the Web Content Accessibility Guidelines (WCAG) of the World Wide Web Consortium (W3C).

These efforts are designed to to help people with disabilities perceive, understand, navigate, and interact with our website and online tools — including use of assistive technologies, browsers, operating systems, and devices. While we work hard to make our site is user-friendly and universally accessible, there are a few simple things you can do as a user to make sure you have the best possible online experience on our website.

Customize Your Computer and Browser Settings

Most computers and browsers now have advanced accessibility settings that make it easy to use, navigate, and engage with online tools. We have developed our website to work with as many of these advanced features as possible.

Here is a list of references and resources you can use to improve your online user experience: www.w3.org/WAI/users/browsing

Keep Your Technology Up to Date

Check to make sure your web browser, operating system, and any assistive technologies you are using are up to date.

Questions or Issues Using Our Website?

If you have a disability that makes using our website or online services difficult, please let us know so we can make accommodations for you and future users.

Email
info@myvaultloan.com

Call
888-227-1935
8am-6pm Central Time, Monday-Friday

Mail
TBO Bank
Attn: Vault Web Accessibility Department
P.O. Box 199, Orrick, MO 64077

RESOURCES

IMPORTANT DISCLOSURES

This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Vault by TBO Bank loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs.

Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process. TBO Bank reviews your information in real-time to determine whether your information meets its lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.

Availability of loans are subject to change at any time at the sole discretion of TBO Bank.

Vault by TBO Bank is a brand of TBO Bank. All loans are issued and serviced by TBO Bank.

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