Legal · Loyalty LTD

Financial² is a brand operated by LOYALTY LTD. This page carries LOYALTY LTD's canonical Terms & Conditions, which apply to Financial² exactly as written.

LOYALTY LTD Terms & Conditions

Validated Lead Group is a brand operated by LOYALTY LTD. These Terms and Conditions of Use ("Terms") govern your access to and use of websites, platforms, applications, portals, forms, content, technology, and services owned or operated by LOYALTY LTD, a Nevada limited liability company ("LOYALTY LTD," "we," "us," or "our").

Updated and Effective: June 5, 2026

Agreement to these Terms

By accessing, browsing, registering for, submitting information through, or otherwise using our websites or services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, do not access or use our websites, platforms, or services.

Please read these Terms carefully. They contain important information about your legal rights, remedies, and obligations, including an agreement to arbitrate disputes and a waiver of class action rights.

Section 1 — Services

LOYALTY LTD provides business, marketing, technology, performance marketing, lead generation, call routing, affiliate, buyer, marketplace, and related services.

Our services may include connecting consumer inquiries, calls, form submissions, or other expressions of interest with third-party providers, buyers, service providers, affiliates, or business partners.

We do not guarantee that any lead, call, inquiry, consumer submission, contact information, campaign, placement, traffic source, or marketing service will result in a sale, appointment, conversion, transaction, revenue event, or specific business outcome.

Section 2 — License Grant

Subject to these Terms, LOYALTY LTD grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our websites and services solely for your personal use or internal business purposes.

No other rights are granted except as expressly stated in these Terms.

Section 3 — License Restrictions

You may not:

  • Copy, reproduce, distribute, display, sell, lease, license, sublicense, modify, or commercially exploit any part of our websites, platforms, content, or services except as expressly permitted
  • Reverse engineer, decompile, disassemble, translate, or create derivative works from our websites, platforms, systems, software, or services
  • Access or attempt to access source code, non-public systems, APIs, databases, or technical infrastructure without authorization
  • Remove, obscure, or alter copyright, trademark, proprietary, or other notices
  • Use our websites or services in a manner that violates law, regulation, third-party rights, or these Terms
  • Interfere with or disrupt the operation, security, integrity, or performance of our websites, systems, or services
  • Use bots, scrapers, crawlers, automated tools, or data extraction methods without our prior written permission
  • Submit false, misleading, fraudulent, unlawful, or unauthorized information
  • Use our websites or services to transmit malware, spam, unlawful content, or deceptive communications

Exceeding the scope of the license granted under these Terms is a material breach.

Section 4 — User Obligations

You are responsible for your use of our websites and services and for complying with all applicable laws, rules, regulations, industry standards, and contractual obligations.

You agree that any information you submit to LOYALTY LTD is accurate, complete, current, lawful, and authorized.

You are responsible for maintaining the confidentiality of any account credentials and for all activity occurring through your account or systems.

You agree not to use our websites, services, or information obtained through them for any unlawful, abusive, deceptive, fraudulent, or unauthorized purpose.

Section 5 — Proprietary Rights

The websites, platforms, content, designs, text, graphics, images, software, databases, interfaces, workflows, documentation, logos, trademarks, service marks, trade names, technology, and other materials made available by LOYALTY LTD are owned, controlled, or licensed by LOYALTY LTD or its licensors.

Except for the limited license expressly granted in these Terms, LOYALTY LTD does not transfer any ownership or intellectual property rights to you.

You may not use LOYALTY LTD names, logos, trademarks, service marks, branding, or proprietary materials without prior written permission.

Other company names, trademarks, and service marks appearing on our websites or services belong to their respective owners.

Section 6 — Affiliates and Publishers

If you wish to participate as an affiliate, publisher, marketing partner, traffic source, or similar partner, you may be required to submit an application or complete one or more onboarding forms.

Submitting an application does not create a partnership, affiliate relationship, publisher relationship, or offer of acceptance. LOYALTY LTD may approve or reject any application in its sole discretion.

Any affiliate, publisher, or partner relationship may be subject to a separate written agreement. If these Terms conflict with a separate signed agreement between you and LOYALTY LTD, the signed agreement will control with respect to the conflicting terms.

Section 7 — Buyers and Business Partners

If you wish to participate as an buyer, lead buyer, call buyer, service provider, contractor, marketplace participant, or business partner, you may be required to submit information for review.

Submission of information does not create an obligation for LOYALTY LTD to enter into a relationship with you.

Any buyer, or business partner relationship may be subject to a separate written agreement. If these Terms conflict with a separate signed agreement between you and LOYALTY LTD, the signed agreement will control with respect to the conflicting terms.

Section 8 — Mobile and Electronic Services

Our websites or services may include features available through mobile devices, SMS, email, phone calls, web forms, portals, or other electronic communications.

Your carrier's normal messaging, data, and other rates and fees may apply. Not all features may be available on all carriers, devices, browsers, or systems.

By providing contact information, you represent that you are authorized to provide that information and that we may contact you as permitted by applicable law and our Privacy Policy.

Section 9 — Feedback

LOYALTY LTD may accept feedback, suggestions, ideas, comments, or recommendations regarding our websites, services, products, technology, or business.

By submitting feedback, you represent that you have the right to provide it and that it does not violate the rights of any third party.

You grant LOYALTY LTD a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable, non-exclusive license to use, reproduce, modify, publish, distribute, display, create derivative works from, and otherwise exploit feedback without restriction or compensation.

Section 10 — Representations and Warranties

You represent and warrant that:

  • You are at least the legal age of majority
  • You have authority to enter into these Terms
  • Your use of our websites and services will comply with applicable law
  • Any information you provide is accurate, complete, current, lawful, and authorized
  • Your use of our websites or services will not infringe or violate the rights of LOYALTY LTD or any third party
  • You will comply with all applicable agreements, policies, and obligations related to your use of our services

Section 11 — Warranty Disclaimers

Our websites, services, materials, content, technology, leads, calls, inquiries, data, marketing services, and related information are provided "as is" and "as available."

To the fullest extent permitted by law, LOYALTY LTD disclaims all warranties, express or implied, including warranties of title, non-infringement, merchantability, fitness for a particular purpose, accuracy, availability, reliability, completeness, performance, or results.

LOYALTY LTD does not warrant that our websites, services, technology, materials, leads, calls, data, or information will be error-free, uninterrupted, secure, accurate, complete, or suitable for your purposes.

LOYALTY LTD does not guarantee:

  • The accuracy or completeness of consumer-provided information
  • The availability, quality, legality, or intent of any lead, call, inquiry, or traffic source
  • Any specific conversion rate, sale, appointment, revenue amount, customer acquisition, or business result
  • That any third party will accept, purchase, respond to, or act upon any lead, call, inquiry, or information
  • That our services will meet your requirements or expectations

You use our websites and services at your own risk.

Section 12 — Limitation of Liability

To the fullest extent permitted by law, LOYALTY LTD and its affiliates, officers, directors, members, managers, employees, contractors, agents, licensors, service providers, and business partners will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, lost goodwill, business interruption, or cost of substitute services.

This limitation applies whether the claim is based in contract, tort, strict liability, statute, or any other legal theory, even if LOYALTY LTD has been advised of the possibility of such damages.

To the fullest extent permitted by law, LOYALTY LTD's total liability for any claim relating to these Terms, our websites, or our services will not exceed one thousand dollars ($1,000.00 USD).

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

Section 13 — Indemnification

You agree to defend, indemnify, and hold harmless LOYALTY LTD and its affiliates, officers, directors, members, managers, employees, contractors, agents, licensors, service providers, and business partners from and against any claims, damages, losses, liabilities, costs, expenses, judgments, penalties, fines, and attorneys' fees arising out of or relating to:

  • Your use of our websites or services
  • Your breach of these Terms
  • Your violation of applicable law
  • Your violation of third-party rights
  • Information, content, data, traffic, leads, calls, or materials you submit, provide, generate, purchase, sell, route, or transmit
  • Your business operations, marketing practices, or communications
  • Any fraud, negligence, misconduct, or unauthorized activity by you or on your behalf

Section 14 — Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

Subject to the arbitration provisions below, the state and federal courts located in California will have exclusive jurisdiction over disputes arising from or relating to these Terms, and you consent to personal jurisdiction and venue in those courts.

Any claim you may have against LOYALTY LTD must be brought within two (2) years after the claim arises, unless a shorter period is required by applicable law or a longer period cannot be waived by law.

Section 15 — Dispute Resolution by Binding Arbitration

Please read this section carefully. It affects your rights.

You and LOYALTY LTD agree that any dispute, claim, or controversy arising out of or relating to these Terms, our websites, our services, advertising, transactions, or the relationship between you and LOYALTY LTD will be resolved by final and binding arbitration, rather than in court, except that either party may bring an individual claim in small claims court if the claim qualifies.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

15.1 Individual Claims Only

You and LOYALTY LTD agree that each party may bring claims against the other only on an individual basis and not as a plaintiff, class member, or representative in any class, collective, consolidated, private attorney general, or representative action or proceeding.

Unless both parties agree otherwise, the arbitrator may not consolidate more than one person's claims or preside over any form of class, collective, consolidated, or representative proceeding.

15.2 Pre-Arbitration Resolution

Before initiating arbitration, the party seeking arbitration must first attempt to resolve the dispute informally by contacting the other party.

For disputes with LOYALTY LTD, you may contact us at support@loyaltyltd.co with the subject line "Notice of Dispute."

The notice should describe the nature and basis of the claim and the specific relief sought. If the dispute is not resolved within sixty (60) calendar days after receipt of the notice, either party may commence arbitration.

15.3 Arbitration Procedures

Unless the parties agree otherwise in writing, arbitration will be administered by the American Arbitration Association ("AAA") under its applicable rules.

The arbitrator will have authority to resolve issues regarding the scope, enforceability, and arbitrability of this arbitration agreement.

The arbitrator may award relief only on an individual basis and only to the extent necessary to resolve the individual claim.

15.4 Arbitration Costs

Arbitration fees will be governed by the applicable AAA rules, unless otherwise required by law or agreed by the parties.

15.5 Confidentiality

All aspects of arbitration, including filings, proceedings, evidence, and any award, will be confidential to the fullest extent permitted by law.

15.6 Severability

If any portion of this arbitration agreement is found unenforceable, the unenforceable portion will be severed or modified to the minimum extent necessary, and the remainder will remain in effect, except that if the class action waiver is found unenforceable, this arbitration agreement may be deemed unenforceable as to the affected claim.

Section 16 — No Class Actions

To the extent permitted by law, you waive any right to bring or participate in a class, collective, consolidated, private attorney general, or representative action against LOYALTY LTD.

You may only bring claims against LOYALTY LTD in your individual capacity.

Section 17 — Enforcement and Monitoring

LOYALTY LTD reserves the right, but has no obligation, to monitor, audit, investigate, suspend, restrict, or terminate access to our websites or services to protect our business, systems, users, partners, rights, and legal interests.

Actual or attempted unauthorized use of our websites, systems, platforms, data, or services may result in civil or criminal liability.

You agree not to bypass, disable, circumvent, or interfere with any security, verification, tracking, fraud prevention, compliance, or access control measures.

LOYALTY LTD may seek injunctive or equitable relief for any breach or threatened breach of these Terms, without the need to post bond or prove monetary damages.

Section 18 — Privacy

Please review our Privacy Policy. The Privacy Policy is incorporated into and made part of these Terms.

Section 19 — Electronic Signatures, Records, and Communications

By using our websites or services, submitting forms, creating an account, accepting agreements, or communicating with us electronically, you consent to electronic signatures, records, notices, disclosures, and communications.

Electronic signatures and records have the same legal effect as signatures and records provided on paper.

You are responsible for maintaining accurate contact information and ensuring you can receive electronic communications from us.

Section 20 — Termination

LOYALTY LTD may suspend or terminate your access to our websites, platforms, accounts, or services at any time, with or without notice, if we believe you have violated these Terms, engaged in fraud or unlawful activity, created risk, harmed our business or users, or otherwise acted inconsistently with these Terms.

You may stop using our websites and services at any time.

Upon termination, all rights granted to you under these Terms will immediately cease. Provisions that by their nature should survive termination will survive, including ownership rights, disclaimers, limitation of liability, indemnification, governing law, arbitration, class action waiver, enforcement, and miscellaneous terms.

Section 21 — Changes to These Terms

LOYALTY LTD may update these Terms from time to time. Changes will be effective when posted unless otherwise stated.

Your continued use of our websites or services after updated Terms are posted means you accept the updated Terms.

If you do not agree to the updated Terms, stop using our websites and services.

Section 22 — Miscellaneous

The relationship between you and LOYALTY LTD is that of independent contractors. Nothing in these Terms creates a partnership, joint venture, employment, agency, fiduciary, franchise, or representative relationship.

You may not assign or transfer these Terms or any rights or obligations under them without LOYALTY LTD's prior written consent. LOYALTY LTD may assign or transfer these Terms, in whole or in part, without restriction.

Failure by LOYALTY LTD to enforce any provision of these Terms will not constitute a waiver.

If any provision of these Terms is found invalid, void, or unenforceable, that provision will be modified or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Headings are for convenience only and do not affect interpretation.

These Terms, together with the Privacy Policy and any applicable separate written agreement, constitute the entire agreement between you and LOYALTY LTD regarding your use of our websites and services.

Section 23 — Contact Us

If you have questions about these Terms, contact us at:

  • LOYALTY LTD
  • A Nevada limited liability company
  • Henderson, NV

Email: support@loyaltyltd.co

Related documents