Last updated August 2026
Terms of Service
1. What Vice Versa is
Vice Versa is a financial technology commitment platform, not a bank and not a lender. We extend no credit and issue no loans. Banking services are provided by FDIC-insured banking partners, and funds are held in a locked vault.
2. Your vault target
Your monthly target balance equals your rent plus any landlord portal fee. After every deposit we recalculate the installment pace needed to reach that target before your due date.
2a. Subscription and billing
The Vice Versa platform subscription is $9.99/mo ($10.68 billed monthly). Subscriptions renew automatically for the selected term until cancelled, and you may cancel at any time before the next renewal.
2b. $5.00 flat ACH disbursement fee
When your vault is released to your landlord over the ACH network, a flat $5.00 disbursement fee applies per release. This fee is disclosed before you authorize the release, is never deducted from the rent amount your landlord receives, and does not change with the size of your vault balance.
2c. 100% card processing fee pass-through
Bank (ACH) deposits into your vault carry no processing fee. Credit and debit card deposits carry the card network and processor cost of 2.9% plus $0.30 per transaction, which is passed through to you in full at cost and shown on screen before you pay. Vice Versa adds no markup to card processing, retains none of the pass-through amount, and 100% of your deposit itself is locked for rent. Processing fees are non-refundable convenience charges and are not returned if you later cash out early.
2d. Platform float and interest yield disclosure
Vault balances are held at our FDIC-insured banking partners between the time you deposit and the time rent is released. Vice Versa may earn interest or other yield on those pooled balances (commonly called float). You are not entitled to and will not receive any portion of that interest or yield; your vault is a non-interest-bearing balance held for rent. This arrangement is not a deposit account with Vice Versa, is not a loan or extension of credit to you, and does not reduce the amount available for your rent.
3a. ACH authorization and E-SIGN consent
By creating a vault you authorize Vice Versa Vault to initiate recurring automated ACH debits from your linked bank account according to your selected pace schedule, and you consent to receive all notices, agreements, authorizations and disclosures electronically (E-SIGN Consent). You may revoke either consent by emailing us, which will end automated debits going forward.
3b. AI voice support call recording (Retell AI)
Our AI-assisted voice support runs on Retell AI. Support calls may be recorded and transcribed so the assistant can help you and so we can keep a support record. Continuing a voice call after the recording notice constitutes your consent to recording and transcription; if you prefer not to be recorded, contact us by email instead.
3. Deposits
Deposits are ACH debits you authorize from your linked bank account. We verify available balance before each pull; if funds are insufficient the deposit is not attempted. Returned or failed debits may be retried and could incur fees from your own bank.
4. Commitment lock and early liquidation
Vault funds are locked until rent dispatch. If you liquidate early, a flat $15.00 liquidation fee applies with a $15.00 minimum, and your pacing progress resets. Net proceeds return to your linked account, typically in 1–3 business days.
5. Rent dispatch
On the due date your vault is released to your landlord through your dedicated virtual eCheck routing and account number. You are responsible for the accuracy of the rent amount, due date and landlord details you enter.
6. Account closure
On closure we pay out your active balance, confirm no pending ACH debits remain, revoke your virtual eCheck number, and soft-delete your profile.
7. Changes
We may update these terms; continued use after an update constitutes acceptance.
Contact us
The official contact for account inquiries, data requests, disputes and support is support@viceversavault.com. We reply to every message from this address.