top of page

WEBSITE TERMS OF USE AND SERVICE DISCLOSURES


Last Updated: May 13, 2026


(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.
 

(2) ACCEPTANCE OF TERMS

This agreement is entered into between you and LOYALTY FINANCE LLC (“LOYALTY FINANCE,” “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, online service, or digital property operated by LOYALTY FINANCE LLC (collectively, the “Site”).

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

(2.1) MODIFICATIONS TO TERMS

LOYALTY FINANCE 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 FINANCE.

LOYALTY FINANCE 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 products, services, programs, promotions, applications, or features offered through the Site may be subject to additional agreements, disclosures, notices, policies, or contractual requirements.

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

(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 FINANCE and are protected under applicable copyright, trademark, intellectual property, and unfair competition laws.

LOYALTY FINANCE, LOYALTY, LFG, and related names, logos, and branding elements are trademarks and/or service marks owned by LOYALTY FINANCE 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, modified, or otherwise exploited without prior written authorization from LOYALTY FINANCE.
 

(6) ACCEPTABLE USE OF THE SITE

You agree not to:

  • Use robots, spiders, scrapers, crawlers, 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 services or features 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 FINANCE immediately of unauthorized access or security incidents.

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

(8) PRIVACY POLICY

LOYALTY FINANCE’s Privacy Notice and Privacy Policy govern the collection, use, storage, disclosure, and protection of information submitted through the Site and are 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 FINANCE are not directed toward individuals under eighteen (18) years of age.

LOYALTY FINANCE does not knowingly collect personal information from minors. If such information is identified, LOYALTY FINANCE 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 FINANCE, you consent to receive electronic communications, including:

  • emails;

  • SMS/text messages;

  • WhatsApp messages;

  • phone calls;

  • prerecorded or automated communications;

  • notifications;

  • reminders;

  • disclosures;

  • account-related communications;

  • servicing communications;

  • collection communications;

  • promotional or marketing communications.

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

(11) SMS, WHATSAPP, AND TELEPHONE COMMUNICATIONS

By voluntarily providing your telephone number or contact information, you expressly consent to receive calls, SMS messages, WhatsApp messages, and automated communications from LOYALTY FINANCE, its representatives, affiliates, vendors, service providers, contractors, and authorized agents.

Communications may include:

  • loan-related notifications;

  • payment reminders;

  • collection communications;

  • customer service updates;

  • account notifications;

  • informational alerts;

  • marketing and promotional communications;

  • servicing-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 FINANCE directly.

Consent to receive communications is not a condition of loan approval.
 

(12) FINANCIAL SERVICES DISCLOSURE

LOYALTY FINANCE may provide services related to:

  • personal loans;

  • consumer financing;

  • financial counseling;

  • financial education;

  • credit-related services;

  • consulting services;

  • loan servicing;

  • collection services;

  • and other related financial products or services.

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

  • eligibility requirements;

  • identity verification;

  • underwriting review;

  • income verification;

  • credit evaluation;

  • third-party approvals;

  • applicable laws and regulations;

  • availability restrictions.

Nothing contained on this Site shall constitute:

  • a guarantee of loan approval;

  • a guarantee of financing;

  • a guarantee of specific financial outcomes;

  • legal advice;

  • financial guarantees.

All financial products are subject to approval and applicable terms and conditions.
 

(13) LOAN DISCLOSURES

Loan products offered by LOYALTY FINANCE may be subject to:

  • interest charges;

  • annual percentage rates (“APR”);

  • fees and finance charges;

  • repayment obligations;

  • underwriting requirements;

  • verification procedures;

  • servicing and collection requirements.

Terms and availability may vary based on applicable laws, applicant qualifications, geographic location, underwriting criteria, and internal lending policies.

Nothing on this Site constitutes a binding offer to lend.
 

(14) REGULATORY AND COMPLIANCE DISCLOSURE

LOYALTY FINANCE LLC intends to operate in compliance with applicable federal and local laws and regulations governing consumer lending and financial services, including but not limited to:

  • regulations and requirements of the Office of the Commissioner of Financial Institutions of Puerto Rico (“OCIF”);

  • the Truth in Lending Act (“TILA”);

  • the Equal Credit Opportunity Act (“ECOA”);

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

  • the Gramm-Leach-Bliley Act (“GLBA”);

  • applicable anti-fraud and consumer protection laws;

  • applicable guidance issued by federal and state regulatory agencies;

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

Certain financial products or services referenced on this Site may be subject to:

  • underwriting review;

  • identity verification;

  • income verification;

  • servicing requirements;

  • collection requirements;

  • approval criteria;

  • regulatory restrictions.

Nothing contained on this Site shall constitute:

  • a guarantee of loan approval;

  • a guarantee of financing;

  • a guarantee of specific financial outcomes.

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

(15) AFFILIATE AND BUSINESS TRANSFER DISCLOSURE

LOYALTY FINANCE may share, transfer, disclose, or make available personal information to its parent companies, subsidiaries, affiliates, commonly owned entities, strategic partners, service providers, contractors, successors, assigns, or related companies for operational, servicing, compliance, marketing, analytics, customer support, administrative, financial, or other legitimate business purposes, as permitted by applicable law.
 

LOYALTY FINANCE and its affiliated entities may utilize shared systems, databases, personnel, technology platforms, customer relationship management systems (CRM), communication systems, analytics tools, and operational infrastructure for servicing, support, compliance, administrative, and business purposes.

In connection with a merger, acquisition, restructuring, financing transaction, investment transaction, sale of assets, transfer of servicing rights, portfolio sale, or transfer of business operations, personal information may be transferred, disclosed, or made available as part of such transaction, subject to applicable legal and regulatory requirements.
 

(16) CREDIT REPORTING AND CONSUMER RIGHTS

Consumers may have the right to:

  • request information regarding adverse credit decisions where required by law;

  • dispute inaccurate information with consumer reporting agencies;

  • receive disclosures required under applicable federal and Puerto Rico laws;

  • request information regarding privacy practices and information sharing.

LOYALTY FINANCE may obtain consumer reports and other financial information in connection with applications, underwriting, servicing, collections, account reviews, fraud prevention, or other permissible purposes under applicable law.
 

(17) COOKIES AND TRACKING TECHNOLOGIES

The Site may use:

  • cookies;

  • analytics tools;

  • advertising pixels;

  • tracking technologies;

  • session technologies;

  • remarketing technologies;

  • performance tools.

These technologies may be used to:

  • improve website functionality;

  • personalize user experiences;

  • analyze website traffic;

  • measure advertising performance;

  • support marketing campaigns.

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

(18) THIRD-PARTY WEBSITES AND SERVICES

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

LOYALTY FINANCE 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.
 

(19) 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 FINANCE DISCLAIMS ALL WARRANTIES RELATED TO:

  • MERCHANTABILITY;

  • FITNESS FOR A PARTICULAR PURPOSE;

  • NON-INFRINGEMENT;

  • SECURITY;

  • ACCURACY;

  • RELIABILITY;

  • AVAILABILITY.

LOYALTY FINANCE 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.
 

(20) LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOYALTY FINANCE 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 FINANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
 

(21) INDEMNIFICATION

You agree to indemnify, defend, and hold harmless LOYALTY FINANCE, its officers, employees, representatives, contractors, affiliates, licensors, service providers, and agents 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.
     

(22) 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.
 

(23) TERMINATION

LOYALTY FINANCE 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.
 

(24) 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.
 

(25) ENTIRE AGREEMENT

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

(26) CONTACT INFORMATION

If you have questions regarding these Terms, please contact:
 

LOYALTY FINANCE LLC
Email: info@lfgcorp.com
Phone: (787) 707-0170
 

Screen Shot 2026-05-13 at 6.44.09 PM.png
bottom of page
code snippet before the closing tag.