WEBSITE TERMS OF USE AND SERVICE DISCLOSURES

Last Updated: May 13, 2026

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(1) NOTICE OF TERMS OF USE

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEBSITE AND ANY OF ITS PAGES, YOU AGREE TO COMPLY WITH AND BE LEGALLY BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, PLEASE DO NOT ACCESS OR USE THIS WEBSITE.

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(2) ACCEPTANCE OF TERMS

This agreement is entered into between you and LOYALTY CREDIT LLC (“LOYALTY CREDIT,” “LOYALTY,” “we,” “us,” or “our”).

These Website Terms of Use and Service Disclosures (“Terms”) govern your access to and use of any website, webpage, landing page, portal, communication platform, application, or online service operated by LOYALTY CREDIT LLC (collectively, the “Site”).

These Terms apply to Loyalty Credit and all related digital platforms operated by LOYALTY CREDIT LLC.

BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE LEGALLY BOUND BY THESE TERMS.

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(2.1) MODIFICATIONS TO TERMS

LOYALTY CREDIT reserves the right, at its sole discretion, to modify, update, amend, or remove portions of these Terms at any time without prior notice.

Your continued use of the Site following the posting of modifications constitutes your acceptance of such changes.

The “Last Updated” date displayed at the top of these Terms reflects the most recent revision made by LOYALTY CREDIT.

LOYALTY CREDIT grants you a limited, revocable, non-transferable, and non-exclusive right to access and use the Site in accordance with these Terms.

 

(3) ELIGIBILITY

By using this Site, you represent and warrant that:

• You are at least eighteen (18) years of age;

• You possess the legal authority and capacity to enter into this agreement;

• You will use the Site in compliance with all applicable laws and regulations.

This Site is not intended for use by individuals under the age of 18.

 

(4) ADDITIONAL TERMS AND DISCLOSURES

Certain services, programs, promotions, features, or sections of the Site may be subject to additional terms, disclosures, notices, agreements, or policies.

In the event of a conflict between these Terms and additional terms applicable to a specific service or feature, the additional terms shall govern solely with respect to that service or feature.

 

(5) INTELLECTUAL PROPERTY RIGHTS

All text, graphics, interfaces, photographs, trademarks, logos, designs, videos, audio, artwork, software, code, layouts, and all other content displayed on the Site (collectively, the “Content”) are owned, licensed, or controlled by LOYALTY CREDIT and are protected under applicable copyright, trademark, intellectual property, and unfair competition laws.

LOYALTY CREDIT, LOYALTY, LFG, and related names, logos, and branding elements are trademarks and/or service marks owned by LOYALTY CREDIT LLC.

Except as expressly permitted under these Terms, no portion of the Site or Content may be copied, reproduced, republished, uploaded, transmitted, distributed, sold, licensed, displayed, mirrored, or otherwise exploited without prior written authorization from LOYALTY CREDIT.

 

(6) ACCEPTABLE USE OF THE SITE

You agree not to:

• Use robots, spiders, scrapers, crawlers, data mining tools, or automated methods to access the Site;

• Attempt unauthorized access to any portion of the Site or related systems;

• Circumvent security or authentication measures;

• Introduce viruses, malware, malicious code, or harmful technologies;

• Submit false, misleading, or fraudulent information;

• Interfere with the operation or functionality of the Site;

• Impersonate another individual or entity;

• Use the Site for unlawful, abusive, fraudulent, or prohibited purposes;

• Violate any applicable local, state, federal, or international laws or regulations.

Unauthorized use of the Site may result in civil and/or criminal liability.

 

(7) USER ACCOUNTS AND SECURITY

Certain features or services may require the creation of an account.

You are solely responsible for:

• maintaining the confidentiality of your login credentials;

• all activity conducted under your account;

• notifying LOYALTY CREDIT immediately of unauthorized access or security breaches.

LOYALTY CREDIT shall not be responsible for losses resulting from your failure to safeguard your account credentials.

 

(8) PRIVACY POLICY

LOYALTY CREDIT’s Privacy Policy governs the collection, use, storage, disclosure, and protection of information submitted through the Site and is incorporated into these Terms by reference.

By using the Site, you acknowledge that no method of Internet transmission or electronic storage is completely secure.

 

(9) CHILDREN’S PRIVACY

The Site and services offered by LOYALTY CREDIT are not directed toward individuals under eighteen (18) years of age.

LOYALTY CREDIT does not knowingly collect personal information from minors. If such information is identified, LOYALTY CREDIT will take reasonable steps to delete it in accordance with applicable laws, including the Children’s Online Privacy Protection Act (“COPPA”).

 

(10) ELECTRONIC COMMUNICATIONS CONSENT

By accessing the Site or submitting information to LOYALTY CREDIT, you consent to receive electronic communications, including:

• emails;

• SMS/text messages;

• WhatsApp messages;

• phone calls;

• prerecorded messages;

• notifications;

• reminders;

• disclosures;

• account-related communications;

• promotional or marketing communications.

You agree that such electronic communications satisfy any legal requirement that communications be in writing.

 

(11) SMS AND WHATSAPP COMMUNICATIONS

By voluntarily providing your telephone number, you expressly consent to receive calls, SMS messages, WhatsApp messages, and automated communications from LOYALTY CREDIT, its representatives, affiliates, vendors, and service providers.

Communications may include:

• appointment reminders;

• customer service updates;

• account notifications;

• informational alerts;

• promotions;

• service-related communications.

Message frequency may vary. Standard message and data rates may apply based on your mobile carrier.

You may opt out of SMS communications at any time by replying STOP to any text message or by contacting LOYALTY CREDIT directly.

Consent to receive communications is not a condition of purchasing services.

 

(12) FINANCIAL AND CREDIT-RELATED SERVICES DISCLOSURE

LOYALTY CREDIT may provide services related to:

• credit restoration;

• credit education;

• financial counseling;

• financial wellness;

• consulting services;

• consumer assistance services;

• and other related financial products or services that may benefit the client.

Certain services, products, or opportunities referenced on the Site may be subject to:

• eligibility requirements;

• verification procedures;

• third-party approvals;

• applicable laws and regulations;

• availability restrictions.

Nothing contained on this Site shall constitute:

• a guarantee of specific results;

• a guarantee of credit score increases;

• a guarantee of financing approval;

• a commitment to extend credit;

• legal advice;

• financial guarantees.

Results may vary depending on individual circumstances, credit profile, client participation, documentation, creditor reporting practices, and other factors outside of LOYALTY CREDIT’s control.

Some products or services referenced on the Site may be offered directly by LOYALTY CREDIT, affiliated entities, strategic partners, or independent third-party providers.

 

(13) REGULATORY AND CREDIT REPAIR COMPLIANCE DISCLOSURE

LOYALTY CREDIT LLC intends to operate in compliance with applicable federal and local laws and regulations related to credit services and consumer protection, including but not limited to:

• applicable regulations and requirements of the Department of Consumer Affairs of Puerto Rico (“DACO”);

• the Credit Repair Organizations Act (“CROA”);

• the Fair Credit Reporting Act (“FCRA”);

• applicable regulations and guidance issued by the United States Federal Trade Commission (“FTC”);

• applicable laws and regulations of the Commonwealth of Puerto Rico and the United States.

Nothing on this Site shall be interpreted as a guarantee that accurate, current, and verifiable information may be permanently removed from a consumer credit report.

Consumers have the right to dispute inaccurate information directly with consumer reporting agencies at no cost.

Nothing contained on this Site shall be interpreted as a waiver of any consumer rights or protections provided under applicable law.

 

(14) NO GUARANTEE OF RESULTS

LOYALTY CREDIT does not guarantee:

• increases in credit scores;

• deletion of negative accounts;

• creditor responses;

• approval of financing opportunities;

• specific financial outcomes;

• specific timelines for results.

Any testimonials, reviews, or examples displayed on the Site are illustrative only and do not guarantee similar outcomes.

 

(15) INFORMATIONAL PURPOSES ONLY

The information provided on this Site is intended solely for general informational and educational purposes and does not constitute:

• legal advice;

• tax advice;

• accounting advice;

• investment advice;

• financial advice;

• financial guarantees.

Users should consult qualified professionals before making legal or financial decisions.

 

(16) COOKIES AND TRACKING TECHNOLOGIES

The Site may use:

• cookies;

• analytics tools;

• advertising pixels;

• tracking technologies;

• session technologies;

• performance tools.

These technologies may be used to:

• improve website functionality;

• personalize user experiences;

• analyze traffic;

• measure advertising performance;

• support marketing strategies.

By using the Site, you consent to the use of such technologies in accordance with LOYALTY CREDIT’s Privacy Policy and Cookie Policy.

 

(17) THIRD-PARTY WEBSITES AND SERVICES

The Site may contain links to third-party websites, products, services, or providers.

LOYALTY CREDIT does not control or endorse third-party websites and shall not be responsible for:

• content;

• privacy practices;

• security;

• products;

• services;

• availability;

• accuracy of information.

Your use of third-party websites is at your own risk.

 

(18) DISCLAIMER OF WARRANTIES

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

LOYALTY CREDIT DISCLAIMS ALL WARRANTIES RELATED TO:

• MERCHANTABILITY;

• FITNESS FOR A PARTICULAR PURPOSE;

• NON-INFRINGEMENT;

• SECURITY;

• ACCURACY;

• RELIABILITY;

• AVAILABILITY.

LOYALTY CREDIT DOES NOT WARRANT THAT:

• THE SITE WILL OPERATE WITHOUT INTERRUPTION;

• DEFECTS WILL BE CORRECTED;

• THE SITE WILL BE FREE OF VIRUSES OR HARMFUL COMPONENTS.

YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

 

(19) LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOYALTY CREDIT SHALL NOT BE LIABLE FOR:

• INDIRECT DAMAGES;

• INCIDENTAL DAMAGES;

• CONSEQUENTIAL DAMAGES;

• SPECIAL DAMAGES;

• EXEMPLARY DAMAGES;

• PUNITIVE DAMAGES;

• LOSS OF PROFITS;

• LOSS OF DATA;

• BUSINESS INTERRUPTION.

THIS LIMITATION APPLIES EVEN IF LOYALTY CREDIT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

 

(20) INDEMNIFICATION

You agree to indemnify, defend, and hold harmless LOYALTY CREDIT, its officers, employees, representatives, contractors, affiliates, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, expenses, or attorneys’ fees arising from:

• your use of the Site;

• violations of these Terms;

• violations of applicable law;

• infringement of third-party rights.

 

(21) GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and interpreted in accordance with the laws of the Commonwealth of Puerto Rico and applicable federal laws of the United States.

Any dispute arising from or relating to these Terms or the use of the Site shall be resolved exclusively in the state or federal courts located in Puerto Rico.

You consent to the jurisdiction and venue of such courts.

 

(22) TERMINATION

LOYALTY CREDIT reserves the right, at its sole discretion and without prior notice, to suspend, restrict, terminate, or block access to the Site or any portion thereof for any reason, including violations of these Terms.

 

(23) SEVERABILITY

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

 

(24) ENTIRE AGREEMENT

These Terms constitute the complete agreement between you and LOYALTY CREDIT regarding the use of the Site and supersede all prior communications or agreements relating thereto.

 

(25) CONTACT INFORMATION

If you have questions regarding these Terms, please contact:

LOYALTY CREDIT LLC
Email: info@lfgcorp.com