Terms & Conditions

IMPORTANT — THIS IS A BINDING AGREEMENT BETWEEN YOU (“YOU”) AND GARO LEAD (“WE,” “US,” OR “GARO LEAD”). IT DESCRIBES YOUR RIGHTS AND OBLIGATIONS. THESE TERMS OF USE (“AGREEMENT”) APPLY TO YOUR ACCESS TO AND USE OF THIS WEBSITE AND OTHER ONLINE SERVICES WE PROVIDE THROUGH GAROLEAD.COM (TOGETHER, THE “WEBSITE”). WE GRANT ACCESS ONLY IF YOU ACCEPT ALL TERMS BELOW.

This site describes B2B lead generation, API delivery, and traffic-partner services for financial campaigns. It is not a consumer loan or credit application, and nothing here is an offer of credit or a promise of campaign results.

1. License grant

This Agreement gives you a limited, non-exclusive, non-transferable, non-sublicensable license to use the Website for your personal use or internal business purposes only.

2. License restrictions

That license is narrow. You may not (i) copy, store, reproduce, transmit, distribute, display, rent, lease, sell, modify, license, or otherwise commercially exploit the Website (or any portion of it) except as this Agreement expressly allows; (ii) reverse engineer, decompile, disassemble, translate, or create derivative works of the Website; (iii) access, link to, or use source code from the Website; or (iv) remove any proprietary or intellectual-property notice on the Website. Using the Website beyond this license is a material breach and may lead to termination as set out below.

3. Your obligations

Subject to our right to monitor or audit compliance, you are responsible for following this Agreement. By using the Website, you also agree to comply with applicable local, state, national, and international laws and rules. You assume all responsibility for your use of the Website and the results of that use, including any duties you owe under contracts with third parties.

4. Proprietary rights

Content on the Website — including software, design, text, graphics, images, audio and video, interfaces, code, product descriptions, and the selection and arrangement of those materials (collectively, “Material”) — is owned, controlled, or licensed by Garo Lead or its licensors unless we say otherwise. Rights granted here are licensed, not sold. We do not grant implied rights and do not transfer ownership or intellectual-property title in the Website to you.

Unauthorized use of the Website or Material may violate intellectual property and other laws. Do not alter, delete, or hide copyright or other notices. You may not, and may not allow others to, reproduce, modify, create derivative works from, display, perform, publish, distribute, broadcast, or otherwise use any Material without prior written consent from Garo Lead or the owner. Garo Lead and related names, logos, and icons are our trademarks (or those of our affiliates). Using them as domain names or account names without our written permission is not allowed. Other names on the site may be marks of their respective owners.

5. Mobile access

Some features may be available on a phone or other mobile device if you choose to use them, including receiving or replying to messages from us (collectively, “Mobile Services”). We do not charge a separate fee for those features, but your carrier’s messaging, data, and other rates still apply. Some carriers or devices may restrict Mobile Services. You are responsible for checking availability, restrictions, and cost with your carrier.

6. Feedback

We welcome ideas about our services and the Website. By sending feedback, suggestions, or related materials (together, “feedback”), you represent that the feedback does not infringe third-party rights and that you have authority to share it. Feedback is treated as including a royalty-free, perpetual, irrevocable, transferable, non-exclusive license for Garo Lead to use, copy, adapt, publish, distribute, and display it worldwide in any media, without extra approval or payment. You waive claims to the contrary.

7. Representations

You represent and warrant that:

• You are at least the legal age of majority.
• You are authorized to enter this Agreement.
• You will not use the Website or Material in a way that breaks the law or infringes our rights or anyone else’s.
• Information or data you send us will not violate law or third-party rights.
• Information you provide (such as name, email, and company details) is true and accurate.
• You can meet the obligations of a user under this Agreement.

8. Warranty disclaimer

THE WEBSITE AND MATERIALS ARE PROVIDED “AS IS.” GARO LEAD DOES NOT WARRANT OR GUARANTEE THE USE, OR RESULTS OF USE, OF THE WEBSITE OR MATERIALS AS TO AVAILABILITY, ACCURACY, RELIABILITY, TIMELINESS, COMPLETENESS, FUNCTIONALITY, FITNESS FOR A PARTICULAR PURPOSE, OR OTHERWISE. WE DO NOT WARRANT THAT THE WEBSITE WILL BE ERROR-FREE, UNINTERRUPTED, OR SUITABLE FOR YOUR NEEDS. YOU BEAR THE ENTIRE RISK AS TO QUALITY AND PERFORMANCE. THE WEBSITE, MATERIALS, LEADS, MARKETING SERVICES, AND RELATED INFORMATION ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

9. Limitation of liability

We are not obligated to provide you access to the Website. You agree that Garo Lead is not liable for any claim, damage, or loss arising from a cause beyond our reasonable control, including promotions on the site, failure of electronic or mechanical equipment or communications, connection problems, viruses, unauthorized access, theft, operator error, severe weather or other natural events, labor disputes, war, government action, or disputes between you and third parties. You also agree we are not liable for defamatory, offensive, or illegal conduct of others, and that risk remains with you.

YOU AGREE THAT IN NO EVENT WILL GARO LEAD BE LIABLE FOR INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS OR LOST DATA, ARISING FROM YOUR USE OF THE WEBSITE OR ANY INFORMATION AVAILABLE THROUGH IT, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. WITHOUT LIMITING THE FOREGOING, OUR TOTAL LIABILITY FOR ANY REASON RELATED TO THE WEBSITE OR THIS AGREEMENT WILL NOT EXCEED ONE THOUSAND U.S. DOLLARS ($1,000.00), AS LIQUIDATED DAMAGES AND NOT AS A PENALTY. THAT CAP, IF ANY LIABILITY EXISTS, IS COMPLETE AND EXCLUSIVE.

10. Indemnification

You agree to defend, indemnify, and hold harmless Garo Lead and its officers, directors, employees, agents, affiliates, licensors, contractors, and others involved in delivering the Website (collectively, “Indemnified Parties”) from claims arising out of your breach of these terms, including misuse of information obtained from the site. The Indemnified Parties will have no liability for such breach or unauthorized use. You will cover resulting losses, damages, judgments, costs, and reasonable attorneys’ fees. You will also indemnify the Indemnified Parties against third-party claims arising from your use of information accessed through the Website.

11. Governing law

This Agreement is governed by the laws of the United States, without regard to conflict-of-law rules. Courts of competent jurisdiction in the United States have exclusive venue over disputes under this Agreement, and you consent to that jurisdiction. Any claim against Garo Lead must be brought within one (1) year after the cause of action arises, or it is barred. You waive any right to a jury trial for disputes related to this Agreement, and each party may seek attorneys’ fees where permitted. Any state enactment of the Uniform Computer Information Transactions Act does not apply. A printed copy of this Agreement and of electronic notices is admissible to the same extent as originally printed records. Email us if you want a printed copy.

12. Binding arbitration

ANY DISPUTE RELATING TO YOUR USE OF THE SITE OR THESE TERMS WILL BE RESOLVED BY CONFIDENTIAL ARBITRATION, except that either party may seek interim court relief in its state of residence to protect intellectual-property rights. ARBITRATION REPLACES YOUR RIGHT TO SUE IN COURT OR HAVE A JURY TRIAL. OTHER COURT RIGHTS MAY NOT APPLY. READ THIS SECTION CAREFULLY BEFORE ACCEPTING THESE TERMS.

Arbitration will be administered by the American Arbitration Association (“AAA”) under its then-current rules. If an AAA rule conflicts with this Agreement, this Agreement controls. Procedures, rules, and fees are available at www.adr.org or 1-800-778-7879. Any in-person hearing you attend will be held in the United States at a location the arbitrator selects. U.S. law will apply in the arbitration. The arbitrator’s award is final and may be entered in any court with jurisdiction. Unless law requires otherwise, each party pays its own attorneys’, expert, and witness fees, regardless of who prevails.

13. No class actions

TO THE EXTENT ALLOWED BY LAW, EACH PARTY WAIVES THE RIGHT TO PURSUE DISPUTES ON A CLASS OR CONSOLIDATED BASIS — INCLUDING JOINING A CLAIM WITH ANYONE ELSE’S CLAIM OR BRINGING A CLAIM IN A REPRESENTATIVE CAPACITY. YOU MAY BRING CLAIMS AGAINST GARO LEAD ONLY IN YOUR INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING.

14. Enforcement

We want the Website to remain a useful resource. You should not expect privacy from Garo Lead while using the site: we may view, monitor, or record activity as permitted by law and may cooperate with government or court authorities when required. Unauthorized use may lead to civil or criminal action, including under the U.S. Computer Fraud and Abuse Act. You will not, and will not allow others to, bypass security measures we put in place.

You acknowledge that an actual or threatened breach of this Agreement may cause irreparable harm that money cannot adequately remedy. We (and our licensors) may therefore seek injunctive or other equitable relief in addition to other remedies, and you waive any requirement that we post a bond for that relief.

15. Privacy

We take the protection of personal information seriously. Our Privacy Policy explains how we collect and use information in connection with the Website and is part of your relationship with us.

16. Termination

We may end this Agreement (including any account) at any time on reasonable grounds, including suspected fraud, illegal activity, or any violation of these terms, in order to protect our name, business, goodwill, or other users. We decide in our reasonable discretion whether your activity is unauthorized or breaches this Agreement. We are not liable for lost sales or profits resulting from termination under this section. You may stop using the Website at any time. On termination, licenses and the right to use the Website end immediately. Provisions on feedback, ownership, representations, disclaimers, limitation of liability, governing law, enforcement, termination, and miscellaneous terms survive.

17. Miscellaneous

You and Garo Lead are independent contractors. This Agreement does not create a partnership, joint venture, or employment relationship. You may not assign this Agreement or the license, or delegate your duties, without our prior written consent. Any attempted assignment in violation of this section is void and a material breach. We may assign this Agreement in whole or in part and may use contractors to perform our obligations.

Our failure to insist on strict performance is not a waiver of later defaults. If a provision is held invalid, the rest of the Agreement remains in effect unless the invalidity defeats the Agreement’s purpose, and the invalid term will be replaced by a valid one closest to the original intent. Headings are for convenience only.

This Agreement and our Privacy Policy are the entire agreement between you and Garo Lead regarding the Website and replace prior communications on that subject. Rights not expressly granted are reserved. We may change these terms by providing a revised copy or notice in writing or electronically. We may also update, suspend, or discontinue any part of the Website at any time. Continued use after a change means you accept the updated Agreement. Questions about these terms may be sent to partnership@garolead.com.