Last updated November 9, 2026
These terms are an agreement between you and VLAN Technology Services L.L.C., a Michigan limited liability company doing business as WielandTech ("we"). Idea to Loan is one of our services. By using this site you agree to these terms. If you don't agree, please don't use it.
You must be at least 18 and located in the United States. You confirm that you are using the service to plan or finance a business, and not for personal, family or household purposes.
Vetting your idea is free. The result is an automated opinion. It doesn't mean your business will succeed or that it qualifies for a loan.
If your idea passes, you can pay the price shown, in US dollars, to have us research the market and write a draft business proposal. Work starts as soon as you pay. Your proposal is delivered at a private link on this site. Anyone who has the link can open it, so keep it safe. Please save a copy, because we don't promise to keep it available forever.
Proposals and vetting results are generated by AI. A person does not review them before you receive them. They can contain errors, outdated information or invented details, and all figures are estimates.
We are not a lender, loan broker, accountant, lawyer or financial adviser, and using this service doesn't create that kind of relationship. We don't arrange loans or contact lenders, and we don't guarantee that any lender will approve you. Our content is not financial, legal or tax advice. Check everything yourself, and consult a qualified professional, before you rely on a proposal or show it to anyone.
You are responsible for the information you submit and for everything you give a lender or investor. Knowingly making a false statement on a loan application can be a crime. You agree not to:
We don't accept your submission in confidence under any non-disclosure agreement, so please leave out trade secrets. Our privacy section below explains how we handle what you submit.
You keep your rights in your idea. You let us store and process it, and send it to the providers listed below, only as needed to provide the service. We claim no ownership of your proposal, and you may use it for your business, including showing it to lenders and investors. AI-generated text may resemble text generated for others and may not qualify for copyright protection. The proposal may also cite outside websites, which we don't control.
Otherwise all sales are final. Each proposal is generated just for you, so we don't give refunds for a change of mind or because a lender declined your application. Refunds go back to your original payment method and usually take 5 to 10 business days to appear. Your card statement may show WielandTech, a shortened form of that name, or IDEATOLOAN.
THE SERVICE AND ALL RESULTS ARE PROVIDED "AS IS" AND "AS AVAILABLE". TO THE EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT.
TO THE EXTENT THE LAW ALLOWS, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US FOR THE PROPOSAL IN QUESTION OR $5. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR FOR A DECLINED LOAN, LOST FINANCING, LOST PROFITS OR LOST BUSINESS.
Nothing in these terms limits liability for fraud, intentional misconduct or anything else the law doesn't allow us to limit. Some states don't allow these limits, so they may not fully apply to you.
To the extent the law allows, you will reimburse us for losses and reasonable legal fees from third-party claims, including a lender's, that arise from what you submitted or how you used a proposal, unless our own wrongful conduct caused them.
Please email us first, and we'll try to resolve the problem within 30 days. These terms are governed by Michigan law, without regard to its conflict-of-law rules. Any lawsuit must be brought in the state or federal courts located in Michigan, except that either of us may use small claims court where the claim qualifies.
We may update these terms by posting a new version here. The version in effect when you buy a proposal applies to that purchase. We may refuse, suspend or stop the service at any time. If we can't deliver a proposal you paid for, we'll refund you. If part of these terms can't be enforced, the rest still applies. These terms are our whole agreement about the service.
What we collect. The idea you submit, the results we generate, and a record of your job and payment status. Our server logs record your IP address and the pages you request. Stripe collects your card details and email address. We never see your card number, and we don't keep your email address with your job. Google Analytics and our sign-in system use cookies.
Who receives it.
We may also disclose information if the law requires it, to protect our rights, or as part of a sale or transfer of the business. We don't sell your personal information and we don't use your idea to train AI models.
How long we keep it. We keep your idea and results until you ask us to delete them. Deleted data can remain in backups for up to 14 days. Server logs are kept for about 14 days, and we use your IP address for 24 hours to limit abuse.
Your choices. To see, correct or delete what we hold, email us with the link to your job. We can't identify your job without it. We don't respond to browser Do Not Track signals. The service is not intended for anyone under 18. If we change this section, we'll update the date at the top of this page.
Questions, refunds or privacy requests: support@ideatoloan.com