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Terms of Use

Effective Date: May 15, 2026 · Last Updated: July 24, 2026

LeedWallet ("we," "us," or "our") connects consumers interested in a loan, including a mortgage loan ("Leads"), with interested mortgage lenders, brokers, capital providers, loan buyers, or other partners (“Lead Buyers”).

These Terms of Use ("Terms") govern access to and use of our website (leedwallet.com), platform, dashboards, APIs, integrations, accounts, and related services (collectively, the "Platform") provided by us. These Terms apply to any Lead Buyer that accesses, browses, registers for, creates an account with, purchases Leads through/from, or otherwise uses the Platform.

These Terms are in addition to, and not in lieu of, any Lead Purchase Agreement, Lead Sale Agreement, Master Services Agreement, Campaign Order, insertion order, statement of work, or other written agreement between us and Lead Buyer (collectively, "Separate Agreements"), as well as our Privacy Policy. Together, these Terms, any Separate Agreements, and our Privacy Policy constitute the complete agreement between you and us.

Please review these Terms, any Separate Agreements, and our Privacy Policy carefully.

  1. Acceptance, Eligibility, and Authority

    1. Acceptance

      By accessing or using the Platform, creating an Account, clicking “I Agree”, or purchasing or accepting delivery of any Lead, you accept and agree to be bound by these Terms, as well as any applicable Separate Agreement, and our Privacy Policy.

      In the event of a conflict between these Terms and any Separate Agreement, the Separate Agreement will control with respect to the subject matter covered by the Separate Agreement, including with respect to any purchased or delivered Leads. These Terms shall continue to govern all other aspects of Lead Buyer's access to and use of the Platform.

    2. Eligibility

      The Platform is intended solely for legal business entities and licensed professionals engaged in the origination, brokerage, funding, or purchase of mortgage loans, including but not limited to DSCR investment-property mortgage loans.

    3. No Consumer Use

      The Platform is not directed to consumers and is not intended to be used by consumers for any purpose including to obtain financial products for personal, family, or household purposes. If you are a consumer, and do not otherwise qualify as a Lead Buyer, you must discontinue your use of the Platform immediately.

  2. Modification of these Terms

    We may modify these Terms at any time, with or without prior notice to you. Any updates will be posted to leedwallet.com/terms and will be identified by an updated “Last Updated” date. Your continued access to or use of the Platform or your Account after the “Last Updated” date constitutes acceptance of the revised Terms.

    You may not modify these Terms except by written agreement between you and us.

  3. The Platform

    1. Changes to the Platform

      We reserve the right, at any time and in our sole discretion, to modify, suspend, or discontinue, in whole or in part, any aspect, portion, feature, or attribute of the Platform, including the availability of any data or functionality, with or without notice.

    2. Maintenance and Platform Availability

      We use commercially reasonable efforts to operate and maintain the Platform in accordance with industry standards. You acknowledge and agree that the Platform may occasionally be unavailable due to scheduled maintenance, unscheduled emergency maintenance, or events outside our reasonable control, including outages affecting third-party service providers. We will use reasonable efforts to provide advance written notice of any scheduled service disruption, but do not guarantee uninterrupted or error-free operation of the Platform.

    3. Suspension or Termination of Your Account or Right to Access the Platform

      We reserve the right to suspend or terminate your access to the Platform or your Account for any reason, or no reason at all, with or without notice to You, including non-compliance with these Terms and any applicable Separate Agreements. Any suspension or termination of your access to the Platform or your Account, shall be in accordance with any applicable Separate Agreements.

      Upon suspension or termination, any licenses granted to you under these Terms or any applicable Separate Agreements shall immediately terminate and you must immediately cease all use of and access to the Platform or your Account. At our request and consistent with the terms of any applicable Separate Agreement, you must immediately delete or return any documents, information, Confidential Information, Lead Data or any other materials provided to you by us.

    4. No Liability for Changes or Termination

      We shall have no liability to you for any such modification, suspension, discontinuation, or termination related to the Platform or you access to the Platform.

  4. LeedWallet’s Role.

    1. LeedWallet as Marketplace Only

      LeedWallet operates exclusively as a marketing and lead-generation service. LeedWallet provides Leads and Lead Data (defined as any data, information, metadata, records, or materials relating to a Lead) to Lead Buyers. LeedWallet is not a lender, mortgage broker, mortgage originator, real-estate broker, consumer reporting agency, fiduciary, or agent of Lead Buyer, of any borrower or investor, or of any other person. LeedWallet does not take loan applications, originate or service loans, make credit decisions, or guarantee any outcome.

    2. Independence of Parties

      Lead Buyer and LeedWallet are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, fiduciary, employment, or franchise relationship between the parties.

    3. Separate Entity

      LeedWallet is a distinct legal entity from any of our referral partners, including but not limited to Nation Capital. References in these Terms or in marketing materials to such partners do not create any agency, joint-venture, or alter-ego relationship.

  5. Accounts

    1. Account Creation

      To access and use the Platform, you must create and maintain an active user account (“Account”) in good standing. To create an Account, you must provide accurate, current, and complete information, including legal entity name, federal tax identification number, business address, applicable mortgage-licensing identifiers (where required), authorized billing contact, and at least one administrator email. You must promptly notify us of any change in ownership, control, licensing status, legal status, or other material change affecting your eligibility to access or use the Platform

      Except as expressly permitted by us in writing, each Lead Buyer may maintain only one Account.

      To keep your Account in good standing, you must (i) comply with these Terms and any applicable Separate Agreement, (ii) timely pay all fees and charges due and payable to us, and (iii) maintain current and valid billing, contact, and Account information on file. Failure to satisfy these requirements may result in restriction, suspension, or termination of your Account and access to the Platform.

      Your use of the Platform requires compatible devices, software, internet access, and data connectivity, which you are solely responsible for obtaining and maintaining at your own expense. We do not guarantee uninterrupted or error-free operation of the Platform and are not responsible for outages, delays, or failures caused by third-party networks, service providers, hardware, or systems.

    2. Account Security

      You are solely responsible for safeguarding your Account credentials (including but not limited to API keys, passwords, tokens, and other credentials associated with the Account). Sharing credentials with any person who is not a named authorized user is strictly prohibited.

    3. Unauthorized Users

      You are solely responsible for all activity conducted through your Account whether authorized by you or not. We may rely on all activity conducted through an Account as authorized and are not responsible for losses resulting from your failure to secure your Account, credentials, or systems. You may not share Account credentials with any unauthorized person and must promptly notify us of any suspected unauthorized access or security breach. You will not allow any other person or entity (“Unauthorized Users”) to use or access your Account and will take reasonable security measures (including, without limitation, protecting passwords and access credentials) to protect your Account. You must immediately notify us of any use or attempted use of the Platform or your Account by any Unauthorized Users. We may, but are under no obligation to, take any action we deem appropriate with respect to any unauthorized use of the Platform or your Account, including without limitation conducting investigations, pursuing civil, criminal, or administrative remedies against an identified Unauthorized User, referring the matter to law enforcement, or modifying security features. You agree to use commercially reasonable efforts to cooperate in any action that we may determine to undertake arising from or related to any identified Unauthorized Users.

      Notwithstanding any actions that we may take or any other remedies we may pursue with respect to Unauthorized Users, You remain liable for payment of all fees, charges, and other amounts associated with use of the Platform under or through your Account, and no such amounts may be offset by any recovery we may obtain from any Unauthorized User.

    4. Account Closure

      You may close your Account at any time, provided that such closure is consistent with the terms of any applicable Separate Agreement. Closure of your Account does not terminate any Separate Agreement unless that Separate Agreement is separately terminated in accordance with its terms. Accordingly, if you close your Account while a Separate Agreement remains in effect, Leads and other services may continue to be delivered under the Separate Agreement, and you will remain fully responsible for all fees, charges, and other obligations arising thereunder. Any inability to access, receive, retrieve, or utilize such Leads or services as a result of closing your Account shall be solely your responsibility, and LeedWallet shall have no liability in connection therewith. Closing your Account does not affect any accrued or ongoing obligations under a Separate Agreement, including payment obligations.

      We may deny or delay Account closure if: (a) transactions are pending or disputes or claims remain unresolved; (b) amounts remain owed to us; (c) the Account is subject to a legal hold, compliance review, or other legally required restriction; or (d) closure would prevent us from meeting legal, regulatory, or contractual obligations.

  6. Limited License

    Subject to your compliance with these Terms and any applicable Separate Agreements, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and your Account, solely for your internal business purposes and solely in accordance with these Terms and any Separate Agreements. Accounts, usernames, API credentials, access rights, and other Platform credentials are licensed and not sold, and remain our property at all times. No rights are granted except as expressly set forth herein, and you acknowledge that you have no ownership interest in any Account, username, API credential, or access right. We reserve all rights not expressly granted to you.

  7. Intellectual Property

    1. LeedWallet’s Intellectual Property Rights

      We and our licensors retain all right, title, and interest in and to the Platform and all materials, technology, and content made available through or in connection with the Platform, including without limitation all software, applications, algorithms, data structures, databases, architecture, interfaces, designs, workflows, documentation, proprietary methodologies, trademarks, service marks, trade names, logos, and other branding elements, together with all related intellectual property and proprietary rights (collectively, “LeedWallet IP”).

      Except for the Limited License, no rights or licenses—express, implied, or otherwise—are granted to you with respect to any LeedWallet IP.

      You may not copy, reproduce, modify, distribute, publish, display, transmit, sell, license, create derivative works from, or otherwise exploit any LeedWallet IP, except as expressly permitted under these Terms. You may not remove, obscure, or alter any proprietary notices, legends, or markings displayed within or on the Platform. All third-party trademarks and proprietary materials appearing within the Platform are the property of their respective owners.

    2. Your Content

      You retain all right, title, and interest in and to any information, data, files, or other materials that you upload, input, or otherwise provide to or through the Platform or your Account (“Lead Buyer Content”).

      You grant us a non-exclusive, worldwide, royalty-free license to host, store, process, use, reproduce, transmit, and display Lead Buyer Content solely as necessary to provide, operate, maintain, and support the Platform and your Account, and as otherwise permitted under these Terms and any applicable Separate Agreements.

      Except as expressly set forth, we do not acquire any ownership rights in Lead Buyer Content.

    3. Your Feedback

      If You provide us with any suggestions, ideas, enhancement requests, recommendations, or feedback regarding the Platform or any other services or information made available through the Platform (“Feedback”), You agree that:

      • We have no obligation to keep the Feedback confidential;
      • We may use, disclose, publish, or otherwise exploit the Feedback for any purpose; and

        • You are not entitled to any credit, compensation, or ownership rights in connection with the Feedback.

  8. Permissible Use and Restrictions

    1. Permitted Use

      You may use the Platform only for your internal business purposes and only in accordance with these Terms, any Separate Agreements, and in compliance with all applicable federal, state, and local laws, rules and regulations, including privacy, advertising, consumer protection, anti-discrimination, and data security laws.. Any commercial resale, licensing, redistribution, or other commercial exploitation of the Platform or any information obtained through it is strictly prohibited.

      You acknowledge and consent to us monitoring your usage of the Platform to prevent abuse, data duplication, data mining, or excessive or non-customary use. You further agree that we may monitor, review, log, record, and analyze your use of the Platform, Account activity, API calls, access credentials, and other Platform interactions for security, compliance, operational, analytical, fraud-prevention, and business purposes.

      We may determine violations in our sole discretion, and any such violation may result in immediate termination of your use of the Platform.

    2. Restrictions on Use of the Platform

      You may not, directly or indirectly:

      • reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform or any related software;
      • copy, modify, scrape, reproduce, distribute, publish, transmit, or incorporate the Platform or its content into any other product, service, application, website, bot, tool, or artificial‑intelligence technology;
      • modify the Platform or create derivative works based on it;
      • sell, sublicense, lease, rent, assign, or otherwise transfer access to the Platform, your Account, or any information obtained from it;
      • remove, alter, or obscure proprietary notices, trademarks, or labels;
      • access the Platform through automated means (including robots, spiders, crawlers, or extraction tools) or deep‑link to the Platform to scrape, monitor, or copy content;
      • interfere with, disrupt, overburden, impair, or compromise the security or integrity of the Platform, our systems, or connected networks;
      • misrepresent your identity, impersonate any person or entity, or provide false, misleading, or deceptive information regarding the source, origin, or purpose of any activity or communication conducted through the Platform or arising out of related to any information obtained through the Platform.
      • circumvent, attempt to circumvent, or evade fees, usage limits, rate limits, access controls, or other technical, commercial, or contractual safeguards, including by permitting Unauthorized Users to share Account credentials or access rights, or by otherwise exceeding authorized usage;
      • use the Platform for purposes of competitive analysis or the development or provision of a competing service or product; or
      • attempt to gain unauthorized access to any portion of the Platform or any related systems or networks

    3. Restrictions on Use of Information Obtained Through the Platform

      You may not use the Platform or any information obtained through the Platform to:

      • permit access to the Platform or your Account by any Unauthorized Users;
      • solicit, market, advertise, promote, or sell any product or service that is outside the scope, purpose, or intended use of the Platform or any applicable Separate Agreements;
      • contact any consumer more frequently than is reasonably necessary for the applicable business purpose, at times prohibited by applicable law or regulation in the consumer's time zone, or after the consumer has revoked consent or otherwise requested that no further communications be made;
      • use or transfer the information outside of the United States;
      • upload excessive content or content that is inaccurate, misleading, fraudulent, deceptive, or that you do not have the right to use;
      • harass, defame, embarrass, slander, or engage in obscene, deceptive, fraudulent, or unlawful activity;
      • impersonate another person, act as another entity without authorization, or create multiple Accounts;
      • extract, isolate, compile, select, or otherwise draw out individual data elements or records from the Platform or information obtained through the Platform for any purpose other than as expressly permitted under these Terms or applicable Separate Agreements;
      • access, use, disclose, or process personal or confidential information of any third party without appropriate authorization, consent, or lawful basis, or attempt to do so in violation of any Applicable Laws; and
      • violate any applicable federal, state, and local laws, regulations, and industry rules, including, but not limited to, the Controlling the Assault of Non-Solicited Pornography And Marketing Act (“CAN-SPAM Act”) and comparable state email marketing laws, the Telephone Consumer Protection Act (“TCPA”) and comparable state mini-TCPA and telemarketing laws, Fair Credit Reporting Act (“FCRA”), Dodd-Frank Wall Street Reform and Consumer Protection Act including Sections 1031 and 1036 (12 U.S.C §§5531, 5536); the Gramm-Leach-Bliley Act of 1999 (15 U.S.C. § 6801 et seq.); any and all applicable state consumer data privacy laws, including, but not limited to, the California Consumer Privacy Act (CA Civ Code § 1798 et seq.) and the California Privacy Rights Act (California Proposition 24); Equal Credit Opportunity Act (15 U.S.C. §1691 et seq.), Section 5 of the FTC Act (15 U.S.C. §45), Truth-in-Lending Act (15 U.S.C. §1601 et seq.) and Regulation Z (12 C.F.R. part 226), Fair Debt Collection Practices Act (15 U.S.C. §§ 1692 –1692(p)), and the Federal Communications Act (47 U.S.C. § 151 et seq.). (“Applicable Laws”).

      You may not combine, append, enrich, or commingle Lead Data with any data set or database that is offered, sold, licensed, or made available to any third party; use Lead Data to populate any data-broker, skip-trace, or marketing-list product; or use Lead Data to train, fine-tune, benchmark, evaluate, or otherwise develop any artificial-intelligence or machine-learning model.

      You acknowledge that information obtained through the Services is not a “consumer report” as defined by the Fair Credit Reporting Act, and You agree not to combine such information with other data in any manner that would cause it to become a consumer report under applicable law.

  9. LeedWallet’s Limited Warranties

    We represent and warrant that we either own or have the necessary rights and licenses to the software, technology, and data used to operate the Platform and provide any information made available through the Platform. We further warrant that we will provide the Platform and information made available through the Platform, including any Leads, in accordance with these Terms and any applicable Separate Agreement. Notwithstanding the foregoing, we do not warrant that the Platform or any information available through the Platform is accurate, complete, current, or error-free.

  10. Your Representations and Warranties; Compliance with Applicable Laws

    You represent and warrant:

    • Authority and Information Accuracy. You have full authority to enter into these Terms, and all information you provide us, whether through the Platform or otherwise, is accurate, complete, current, and not misleading. You agree to promptly update such information as necessary to maintain its accuracy.
    • Applicable Licenses. You possess all licenses, registrations, approvals, and authorizations necessary to operate your business and to use the Platform and information obtained therefrom.
    • Compliance with Laws. You will access and use the Platform and any information obtained through the Platform, in full compliance with all Applicable Laws, as well as these Terms and any Separate Agreements. You are solely and exclusively responsible for determining which Applicable Laws apply to you.
    • Privacy Notices, Consents, and Lawful Bases. You represent and warrant that you will provide all required notices and disclosures, and obtain all necessary consents and lawful bases, for the collection, use, processing, storage, disclosure, and transfer of consumer personal information or Lead Data in connection with your use of the Platform and any data obtained therefrom, as required by Applicable Laws.
    • No Reliance. You acknowledge and agree that You have not relied, and will not rely, on the Platform or any statements by us as legal, regulatory, compliance, financial, investment, or other professional advice, and that we make no representations regarding the legality, suitability, or permissibility of your use of the Platform or any data obtained therefrom for any particular purpose.
    • Data and Content Responsibility. You are solely responsible for all data, content, communications, outreach, and materials you upload, process, generate, transmit, or use in connection with the Platform (including any Lead Data), including ensuring that you have all necessary rights, permissions, consents, and lawful bases required to collect, use, and share such data.

  11. DISCLAIMERS AND LIMITATION OF LIABILITY

    1. DISCLAIMER OF WARRANTIES

      THE PLATFORM AND RELATED INFORMATION, INCLUDING ALL SOFTWARE, FUNCTIONALITY, DATA, INFORMATION, OR CONTENT MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE PLATFORM (“PLATFORM MATERIALS”), ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, VALIDITY, AVAILABILITY, PERFORMANCE, OR RESULTS. WITHOUT LIMITING THE FOREGOING, WE MAKE NO REPRESENTATION OR WARRANTY THAT THE PLATFORM MATERIALS WILL BE ACCURATE, COMPLETE, CURRENT, UNINTERRUPTED, ERROR FREE, OR FREE FROM VIRUSES, MALWARE, HARMFUL CODE, OR OTHER TECHNOLOGICAL COMPONENTS THAT MAY DAMAGE OR INTERFERE WITH THE USE OF THE PLATFORM. ANY PLATFORM MATERIALS ACCESSED, DOWNLOADED, OR OTHERWISE OBTAINED THROUGH THE PLATFORM IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEMS, MOBILE DEVICE, OR OTHER EQUIPMENT, OR FOR ANY LOSS OF DATA RESULTING FROM YOUR USE OF THE PLATFORM OR PLATFORM MATERIALS. THIS DISCLAIMER IS CUMULATIVE OF ANY OTHER DISCLAIMERS CONTAINED IN ANY APPLICABLE SEPARATE AGREEMENTS.

    2. LIMITATION OF LIABILITY

      TO THE MAXIMUM EXTENT PERMITTED BY LAW, LEEDWALLET AND ITS AFFILIATES, OWNERS, OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, CONTRACTORS, VENDORS, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, CUSTOMERS, OR BUSINESS OPPORTUNITY, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE OR GROSS NEGLIGENCE), STRICT LIABILITY, STATUTE, WARRANTY, OR OTHERWISE, ARISING OUT OF OR RELATING TO THESE TERMS, ANY APPLICABLE SEPARATE AGREEMENT, THE PLATFORM, OR ANY INFORMATION OBTAINED THROUGH OR FROM THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

      YOUR SOLE AND EXCLUSIVE REMEDY SHALL BE AS EXPRESSLY PROVIDED IN THESE TERMS AND ANY APPLICABLE SEPARATE AGREEMENTS AND IN NO EVENT SHALL OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS, ANY APPLICABLE SEPARATE AGREEMENT, THE PLATFORM, OR ANY INFORMATION OBTAINED THROUGH OR FROM THE PLATFORM EXCEED ONE HUNDRED DOLLARS ($100.00). THE FOREGOING LIMITATIONS APPLY REGARDLESS OF WHETHER ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

  12. Indemnification

    To the greatest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless LeedWallet and its parents, subsidiaries, affiliates, owners, officers, directors, members, managers, employees, contractors, agents, successors, and assigns from and against any and all claims, demands, actions, investigations, proceedings, losses, liabilities, damages, fines, penalties, judgments, settlements, costs, and expenses, including reasonable attorneys' fees and costs (collectively, "Claims"), arising out of or relating to: (a) your business, products, services, communications, marketing, lending activities, or use of the Platform or any information obtained through the Platform; (b) your actual or alleged violation of Applicable Law, these Terms, or any Separate Agreements; or (c) any act or omission by you or any person acting on your behalf.

    We may participate in the defense of any Claim with counsel of our choosing at our own expense unless you fail to provide a diligent defense or a conflict of interest exists, in which case, you shall be responsible for any reasonable attorney’s fees or costs, we incur to defend ourselves in connection with any Claim. You shall not settle any Claim affecting us without our prior written consent.

  13. Confidential Information

    1. Definition

      “Confidential Information” means all non-public, proprietary, confidential, personal, or legally protected information disclosed by or on behalf of a disclosing party in connection with these Terms, including any consumer personal information, Lead Data, pricing, trade secrets, and business, financial, marketing, and customer information, whether disclosed orally, electronically, or in writing, and any other information that reasonably should be understood to be confidential. Confidential Information does not include any information that is publicly known through no fault of the recipient, was independently developed without use of Confidential Information, was rightfully received from a third party without restriction, or is otherwise required to be disclosed by law, unless such disclosure is subject to a protective order or other confidentiality agreement.

    2. Confidentiality Obligations

      You and we shall use Confidential Information solely as necessary to perform our respective obligations or exercise our rights under these Terms and shall protect such Confidential Information using at least reasonable care and no less than the degree of care used to protect your or our own confidential information of a similar nature. Neither you nor we shall disclose Confidential Information to any third party except as permitted by these Terms or required by Applicable Law.

    3. Required Disclosures

      If you or we are required by law, court order, subpoena, or governmental request to disclose Confidential Information, the disclosing party shall, to the extent legally permitted, provide prompt notice to the other party and reasonably cooperate, at the other party's expense, in any effort to seek confidential treatment or a protective order.

  14. Governing Law, Venue, Jurisdiction, and Dispute Resolution

    1. Governing Law

      These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. The state and federal courts located in Broward County, Florida shall have exclusive jurisdiction for the purpose of granting temporary, equitable, or injunctive relief and enforcing any arbitration award issued pursuant to this Section.

    2. Mandatory Mediation

      Any dispute, claim, or controversy arising out of or relating to these Terms, any Separate Agreements, the Platform, or any information obtained from or through the Platform (a "Dispute") shall first be submitted to non-binding mediation. The Parties shall participate in good faith in mediation for a period of at least thirty (30) days before commencing arbitration.

    3. Mandatory Binding Arbitration

      If a Dispute is not resolved through mediation within such thirty (30)-day period, it shall be resolved exclusively through binding arbitration administered by JAMS or the American Arbitration Association ("AAA"), at the election of the party initiating the proceeding, in Broward County, Florida, before a single arbitrator and in accordance with the applicable arbitration rules then in effect. The arbitrator shall have the authority to award any remedy available at law or in equity, including injunctive relief and specific performance. Judgment on the arbitration award may be entered in any court having jurisdiction thereof.

      The prevailing party in any arbitration or court proceeding arising out of or relating to these Terms shall be entitled to recover its reasonable attorneys' fees, costs, and expenses.

    4. JURY TRIAL AND CLASS ACTION WAIVER

      YOU AND WE KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY AND AGREE THAT ALL DISPUTES SHALL BE RESOLVED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU OR WE SHALL BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING.

    5. Limitations Period

      Any Dispute must be commenced within one (1) year after the events giving rise to the claim.

  15. Notices

    Notices to LeedWallet relating to these Terms or the Platform must be sent in writing to info@leedwallet.com. Notices to Lead Buyer will be sent to the administrator email on file in your Account. Notices are deemed received when sent, unless transmitted after 5:00 p.m. local time, in which case they are deemed received on the next business day. You are solely responsible for maintaining current contact information in your Account, and your failure to update your contact information shall not invalidate an otherwise proper notice.

  16. Miscellaneous

    1. Force Majeure

      We shall not be liable for any delay or failure to perform our obligations under these Terms or any Separate Agreements due to events beyond our reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, labor disputes, governmental actions, utility failures, Internet or telecommunications outages, cyberattacks, or similar events (each, a "Force Majeure Event").

    2. Assignment

      You may not assign, delegate, or transfer your rights or obligations under these Terms without our prior written consent.

      We may assign, delegate, or transfer our rights or obligations under these Terms without restriction.

    3. Severability

      If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent possible or permitted or, if not possible, severed, and the remaining provisions will remain in full force and effect.

    4. No Waiver

      No waiver of any provision of these Terms shall be effective unless in writing. Any failure or delay in exercising any right or remedy shall not constitute a waiver of such right or remedy.

    5. Headings

      Section headings are for convenience only and shall not affect the interpretation of these Terms.

    6. Entire Agreement

      These Terms, together with any Separate Agreements and our Privacy Policy, constitute the complete agreement between you and us and supersedes all prior or contemporaneous discussions, understandings, and agreements.

    7. No Third-Party Beneficiaries

      These Terms are for the benefit of you and us and do not create any rights in favor of, or obligations to, any third parties.

    8. Survival

      All provisions of the Terms that by their nature survive termination shall continue to apply, including without limitation, intellectual property rights, disclaimers, indemnification obligations, limitations of liability, governing law, dispute resolution, and jury/class action waiver provisions.

    9. Cumulative Remedies

      Except where expressly provided otherwise, all rights and remedies available under these Terms are cumulative and in addition to any rights or remedies available at law or in equity.

  17. Contact

    Questions, notices, or compliance inquiries regarding these Terms should be directed to info@leedwallet.com.

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