Blue Ditto LLC

BLUE DITTO LLC

Noisy Financial Services. Trusted Authority.

Legal

TERMS OF SERVICE

Effective Date: January 1, 2025

1. ACCEPTANCE OF TERMS

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.

2. SERVICES PROVIDED

Blue Ditto LLC is a direct lending financial services company. We provide:

  • Direct lending services to businesses and individuals
  • Investment portfolio management (Neon Portfolios)
  • Financial advisory services (Mindful Advisory)
  • Financial audits and assessments (Authority Audits)
  • Related financial products and services

All financial products and services are subject to approval, underwriting, and applicable regulations.

3. ELIGIBILITY

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.

4. USER OBLIGATIONS

When using our services, you agree to:

  • Provide accurate, complete, and current information
  • Maintain the confidentiality of your account credentials
  • Comply with all applicable laws and regulations
  • Not engage in fraudulent, deceptive, or unlawful activities
  • Not misuse or interfere with our services or systems

5. SMS AND TEXT MESSAGING TERMS

If you opt in to receive SMS or text messages from Blue Ditto LLC, the following terms apply:

  • You consent to receive recurring marketing and promotional SMS/MMS messages sent using an automated telephone dialing system (ATDS)
  • Message frequency varies; you may receive up to 4 messages per month
  • Message and data rates may apply based on your mobile carrier plan
  • You may opt out at any time by replying STOP to any message
  • You may reply HELP for assistance
  • Consent to receive SMS messages is NOT a condition of purchase or use of our services

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.

6. FEES AND PAYMENT

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.

7. INTELLECTUAL PROPERTY

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.

8. DISCLAIMERS AND LIMITATIONS OF LIABILITY

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee:

  • Uninterrupted or error-free service
  • Specific investment returns or financial outcomes
  • The accuracy or completeness of any information provided

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.

9. INDEMNIFICATION

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.

10. TERMINATION

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.

11. GOVERNING LAW AND DISPUTE RESOLUTION

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.

12. CHANGES TO THESE TERMS

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.

13. SEVERABILITY

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

14. ENTIRE AGREEMENT

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.

15. CONTACT INFORMATION

If you have questions about these Terms, please contact us:

Blue Ditto LLC
Email: blue@blue-ditto.com
Website: blue-ditto.com