Terms & Conditions

1. Services

Loyalty LTD provides performance marketing, lead generation, call routing, affiliate network, marketplace, technology, and related services. Our services may include connecting consumer inquiries, calls, form submissions, or other expressions of interest with third-party buyers, service providers, affiliates, or business partners.

We do not guarantee that any lead, call, inquiry, submission, campaign, placement, traffic source, or marketing service will result in a sale, appointment, conversion, transaction, revenue event, or any specific business outcome. Validation supports evaluation of available criteria before routing; it does not guarantee buyer acceptance, an appointment, a completed service, or a business result, and it does not eliminate all fraud, invalid traffic, or consumer error.

Loyalty LTD is a performance marketing company. It does not perform home repairs, installations, maintenance, or contractor services; it does not originate, broker, service, or offer credit; it is not an insurance agency, broker, or carrier; and it does not provide debt settlement, debt relief, or credit counseling services. Nothing on our websites is an offer of credit, insurance, or any regulated financial product.

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.

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; or 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.

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 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.

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 — including “Validated,” “Validated Lead Group,” “Validated Home Services,” “Validated Remodeling,” “Validated Mortgage Leads,” “Validated Debt Leads,” and “Validated Insurance Leads” — without prior written permission. Other company names, trademarks, and service marks appearing on our websites belong to their respective owners.

6. Affiliates, Publishers, and Media Partners

If you wish to participate as an affiliate, publisher, media partner, traffic source, or similar partner, you may be required to submit an application or complete onboarding. Submitting an application does not create a partnership, affiliate relationship, or offer of acceptance. Loyalty LTD may approve or reject any application in its sole discretion. Any affiliate, publisher, or media partner relationship is governed by the Affiliate Agreement and any separate written agreement. If these Terms conflict with a separate signed agreement, the signed agreement controls as to the conflicting terms.

7. Buyers and Business Partners

If you wish to participate as a 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, which controls in the event of conflict.

8. Mobile and Electronic Communications

Our websites and 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 may apply. By providing contact information, you represent that you are authorized to provide it and that we may contact you as permitted by applicable law, our Privacy Policy, and any consent you have given under our TCPA Consent Disclosure.

9. Feedback

By submitting feedback, suggestions, ideas, or recommendations, you represent that you have the right to provide them and 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 that feedback without restriction or compensation.

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 will not infringe or violate the rights of Loyalty LTD or any third party; and you will comply with all applicable agreements, policies, and obligations related to your use of our services.

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; or that our services will meet your requirements or expectations. You use our websites and services at your own risk.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LOYALTY LTD AND ITS AFFILIATES, MEMBERS, MANAGERS, OFFICERS, DIRECTORS, 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, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF 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.

13. Indemnification

You agree to defend, indemnify, and hold harmless Loyalty LTD and its affiliates, members, managers, officers, directors, 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 or 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; or any fraud, negligence, misconduct, or unauthorized activity by you or on your behalf.

14. Governing Law and Venue

These Terms are governed by and construed in accordance with the laws of the State of Nevada, without regard to conflict-of-law principles. Subject to Section 15, the state and federal courts located in Clark County, Nevada — the Eighth Judicial District Court of the State of Nevada and the United States District Court for the District of Nevada — have exclusive jurisdiction over any dispute arising from or relating to these Terms, and you consent to personal jurisdiction and venue in those courts and waive any objection based on inconvenient forum.

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.

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 as provided in Section 15.6. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

15.1 Individual Claims Only. Each party may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative proceeding. Unless both parties agree in writing, the arbitrator may not consolidate more than one person's claims or preside over any form of class or representative proceeding.

15.2 Pre-Arbitration Notice. Before initiating arbitration, the party seeking relief must send a written Notice of Dispute describing the nature and basis of the claim and the specific relief sought. Notice to Loyalty LTD is sent to legal@loyaltyltd.co with the subject line “Notice of Dispute,” or by mail to Loyalty LTD, 2206 Heavenly View Drive, Henderson, Nevada 89014. If the dispute is not resolved within sixty (60) calendar days after receipt, either party may commence arbitration.

15.3 Procedure. Arbitration will be administered by the American Arbitration Association under its Commercial Arbitration Rules and Mediation Procedures then in effect, before a single arbitrator, seated in Clark County, Nevada. The arbitrator has authority to resolve issues regarding the scope, enforceability, and arbitrability of this arbitration agreement, and may award relief only on an individual basis and only to the extent necessary to resolve the individual claim. Judgment on the award may be entered in any court of competent jurisdiction.

15.4 Costs. Arbitration fees are governed by the applicable AAA rules unless otherwise required by law or agreed by the parties.

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

15.6 Exceptions. Either party may bring an individual claim in small claims court in Clark County, Nevada, if the claim qualifies. Either party may seek temporary, preliminary, or permanent injunctive or other equitable relief in the courts identified in Section 14 to protect its intellectual property, confidential information, data, or business relationships, without posting bond and without waiving the right to arbitrate the underlying dispute.

15.7 Severability. If any portion of this Section is found unenforceable, it will be severed or modified to the minimum extent necessary and the remainder will remain in effect — except that if the class-action waiver in Section 15.1 is found unenforceable as to a particular claim, this arbitration agreement will not apply to that claim, which will be heard in the courts identified in Section 14.

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 bring claims against Loyalty LTD only in your individual capacity.

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 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 measure. Loyalty LTD may seek injunctive or equitable relief for any breach or threatened breach of these Terms without posting bond or proving monetary damages.

18. Privacy

Our Privacy Policy, including the California Privacy Notice, and our TCPA Consent Disclosure are incorporated into and made part of these Terms.

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

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 cease. Provisions that by their nature should survive — including ownership, disclaimers, limitation of liability, indemnification, governing law, arbitration, class-action waiver, and enforcement — survive termination.

21. Changes to These Terms

Loyalty LTD may update these Terms from time to time. Changes are effective when posted unless otherwise stated. Your continued use after updated Terms are posted means you accept them. If you do not agree, stop using our websites and services.

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 without Loyalty LTD's prior written consent; Loyalty LTD may assign or transfer them without restriction. Failure to enforce any provision is not a waiver. If any provision is found invalid or unenforceable, it will be modified or severed to the minimum extent necessary and the remainder will remain in effect. Headings are for convenience only. These Terms, together with the Privacy Policy, the TCPA Consent Disclosure, and any applicable separate written agreement, constitute the entire agreement between you and Loyalty LTD regarding your use of our websites and services.

23. Contact

Validated Lead Group is a brand of Loyalty LTD.

• Loyalty LTD, a Nevada limited liability company
• 2206 Heavenly View Drive, Henderson, Nevada 89014
• (424) 704-5950
• legal@loyaltyltd.co