Welcome to Local Direct (“Local Direct,” “Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of the services available through Local Direct and any related applications, communications, and services (collectively, the “Services”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with these Terms, you should not use our Services.
1. Our Services
Local Direct provides lead generation, customer qualification, educational resources, AI-assisted communications, business matching, and referral services that may connect consumers and businesses with third-party service providers, lenders, financing companies, contractors, and other partners.
Services may include:
- AI-assisted customer interactions
- Lead qualification and routing
- Financial product education
- Business and service provider referrals
- Consumer inquiry management
- Appointment scheduling
- Marketing and communication services
- Website and digital platform services
Local Direct does not provide legal, tax, accounting, investment, lending, or financial advisory services.
2. AI-Assisted Communications
Some interactions on our website may be facilitated by artificial intelligence (“AI”) technologies.
You acknowledge and agree that:
- AI-generated responses may contain inaccuracies or incomplete information.
- AI tools are intended to assist with information gathering, education, and qualification.
- AI-generated content should not be relied upon as legal, financial, tax, accounting, investment, or professional advice.
- Information provided by AI systems should be independently verified before making decisions.
Local Direct makes no guarantee regarding the accuracy, completeness, or suitability of AI-generated responses.
3. Financial Products and Services Disclaimer
Local Direct may introduce users to third-party financial institutions, lenders, financing companies, or other financial service providers.
Important Notice
Local Direct:
- Is not a lender.
- Does not originate loans.
- Does not make credit decisions.
- Does not perform underwriting.
- Does not guarantee approval for any financial product.
- Does not determine rates, fees, repayment terms, or eligibility requirements.
All financial decisions, including approvals, denials, underwriting determinations, interest rates, financing terms, fees, and funding decisions, are made solely by independent third-party financial institutions and financing providers.
Any financing offer is subject to the policies, requirements, and review processes of the applicable provider.
4. No Financial Advice
Information provided through our Services is for informational and educational purposes only.
Nothing contained within the Services constitutes:
- Financial advice
- Investment advice
- Tax advice
- Legal advice
- Credit counseling
- Lending recommendations
You are solely responsible for evaluating any financing opportunity and consulting with qualified professionals regarding your individual circumstances.
5. User Responsibilities
You agree to:
- Provide truthful and accurate information.
- Maintain the confidentiality of account credentials.
- Use the Services in compliance with applicable laws.
- Cooperate with any reasonable verification requests.
You agree not to:
- Submit false or misleading information.
- Attempt unauthorized access to our systems.
- Use the Services for fraudulent or unlawful purposes.
- Interfere with the operation or security of the Services.
6. Information Sharing and Referrals
By submitting information through our Services, you authorize Local Direct to share information you provide with participating service providers, financing companies, lenders, contractors, vendors, and referral partners that may be able to assist with your request.
Information shared may include:
- Name
- Email address
- Telephone number
- Business information
- Project information
- Financing qualification information
- Information relevant to services requested
Such sharing is necessary to facilitate referrals, qualification processes, financing evaluations, and service delivery.
7. Consent to Contact & Electronic Communications
Consent to Contact
By submitting your information through our website, forms, chat tools, AI assistants, or other communication channels, you expressly consent to being contacted by Local Direct and its participating service providers, vendors, contractors, and financing partners regarding your inquiry.
You agree that contact may occur through:
- Telephone calls
- Mobile phone calls
- Text messages (SMS/MMS)
- Email communications
- AI-assisted communications
- Automated messaging systems
- Pre-recorded voice messages where permitted by law
Your consent is not a condition of purchasing any goods or services.
Standard message and data rates may apply.
You may opt out of marketing communications at any time by following applicable unsubscribe instructions or replying STOP to SMS messages where available.
Electronic Communications Consent
By using our Services, you consent to receive communications electronically, including:
- Service notifications
- Account-related communications
- Marketing communications
- Qualification updates
- Financing-related updates
- Disclosures and notices
- Terms and policy updates
Electronic communications satisfy any legal requirement that such communications be in writing.
8. Third-Party Services
The Services may contain links to or integrations with third-party websites, products, platforms, or providers.
Local Direct is not responsible for:
- Third-party content
- Third-party decisions
- Third-party privacy practices
- Third-party services
- Third-party business operations
Your relationship with any third-party provider is solely between you and that provider.
9. No Guarantee of Results
Local Direct does not guarantee:
- Financing approval
- Credit approval
- Loan amounts
- Interest rates
- Funding timelines
- Business outcomes
- Vendor performance
- Availability of services
Results vary based upon individual circumstances and third-party decisions.
10. Intellectual Property
All content, software, workflows, branding, designs, graphics, text, AI systems, and materials associated with the Services are owned by or licensed to Local Direct.
You may not copy, reproduce, modify, distribute, reverse engineer, or otherwise exploit any portion of the Services without prior written consent.
11. Disclaimer of Warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOCAL DIRECT DISCLAIMS ALL WARRANTIES, INCLUDING:
- MERCHANTABILITY
- FITNESS FOR A PARTICULAR PURPOSE
- NON-INFRINGEMENT
- ACCURACY
- RELIABILITY
- AVAILABILITY
We do not guarantee uninterrupted or error-free operation of the Services.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOCAL DIRECT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM:
- Use of the Services
- Reliance upon information provided through the Services
- Decisions made by financial institutions or vendors
- Business interruption
- Loss of revenue
- Loss of profits
- Data loss
IN NO EVENT SHALL LOCAL DIRECT’S TOTAL LIABILITY EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT PAID TO LOCAL DIRECT BY YOU DURING THE PRECEDING TWELVE (12) MONTHS, WHICHEVER IS GREATER.
13. Indemnification
You agree to defend, indemnify, and hold harmless Local Direct, its owners, officers, employees, contractors, affiliates, partners, and agents from any claims, damages, liabilities, losses, costs, and expenses arising from:
- Your use of the Services
- Information you provide
- Your violation of these Terms
- Your violation of applicable laws
14. Termination
We reserve the right to suspend or terminate access to the Services at any time for any reason, including suspected fraud, abuse, unlawful activity, or violation of these Terms.
15. Governing Law
These Terms shall be governed by and interpreted under the laws of the State of Washington, United States, without regard to conflict of law principles.
Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located within Washington State.
16. Changes to These Terms
Local Direct may update these Terms from time to time.
Changes will become effective upon posting to the website. Continued use of the Services constitutes acceptance of any revised Terms.
17. Contact Information
If you have questions regarding these Terms or the Services, please contact:
Local Direct
Website: Local Direct
Email: support@localdirect.us
TCPA Compliance Notice
By providing a telephone number and submitting information through our website, you expressly consent to receive calls and text messages from Local Direct and its participating partners regarding your inquiry, including through automated technology where permitted by law. Consent is not required as a condition of purchasing any product or service. You may revoke consent at any time by contacting support@localdirect.us or following opt-out instructions included in communications.
