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Legal
Effective Date: January 1, 2025
By accessing or using the services provided by Blue Ditto LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our services.
Blue Ditto LLC is a direct lending financial services company. We provide:
All financial products and services are subject to approval, underwriting, and applicable regulations.
You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.
When using our services, you agree to:
If you opt in to receive SMS or text messages from Blue Ditto LLC, the following terms apply:
We use ATDS technology to deliver time-sensitive updates, offers, and service announcements. By opting in, you acknowledge that your mobile carrier is not liable for delayed or undelivered messages. For support, contact us at blue@blue-ditto.com.
Fees for our services vary depending on the specific product or service. All fees, interest rates, repayment terms, and other financial obligations will be disclosed to you in writing before you enter into any agreement. You agree to pay all applicable fees and charges as outlined in your service agreement.
All content, trademarks, logos, and materials on our website and in our communications are the property of Blue Ditto LLC or our licensors. You may not use, copy, reproduce, or distribute any of our intellectual property without our prior written consent.
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:
To the fullest extent permitted by law, Blue Ditto LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.
You agree to indemnify, defend, and hold harmless Blue Ditto LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your use of our services or violation of these Terms.
We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, all outstanding obligations remain in effect.
These Terms are governed by and construed in accordance with the laws of the United States and the state in which Blue Ditto LLC is registered, without regard to conflict of law principles.
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date. Your continued use of our services after changes constitutes your acceptance of the updated Terms.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and any other agreements you enter into with Blue Ditto LLC, constitute the entire agreement between you and the Company regarding your use of our services.
If you have questions about these Terms, please contact us:
Blue Ditto LLC
Email: blue@blue-ditto.com
Website: blue-ditto.com