Terms & Conditions

1. Agreement and acceptance

These Terms & Conditions (the "Agreement") are a binding contract between [Lead Harbor legal entity name], doing business as Lead Harbor ("Lead Harbor", "we", "us"), and the person or business that registers for or uses the Lead Harbor publisher program, website, or portal (the "Publisher", "you"). The program, together with the website at [leadharbor.com] and the publisher portal, is referred to as the "Program".

By submitting a sign-up application, clicking to accept, or sending any traffic to the Program, you confirm that you have read and agree to this Agreement and to the Lead Harbor Privacy Policy. If you are accepting on behalf of a company, you confirm that you have authority to bind that company. If you do not agree, do not use the Program.

We may update this Agreement from time to time. The current version is always posted on this page with its effective date. Changes to payout amounts, payment procedures, or compliance requirements apply to activity after the change is posted. Changes to the dispute-resolution terms do not apply to disputes that arose before the change. Continued participation after a change is posted means you accept it.

2. Definitions

• Advertiser means a lender, lending marketplace, or other buyer that purchases Leads through the Program.
• Consumer means an individual who submits a loan request through a Lead Harbor form or an approved Publisher integration.
• Lead means the information submitted by a Consumer, together with the consent record and technical data captured at submission.
• Qualified Lead means a Lead that (a) originates from traffic permitted by this Agreement, (b) passes Lead Harbor's validation, duplicate and fraud checks, and (c) is accepted by an Advertiser through the Program.
• Payout means the amount Lead Harbor pays you for a Qualified Lead, as shown for the relevant offer in the portal at the time the Lead is accepted. All offers in the Program are paid on a cost-per-lead basis.
• Program Materials means the tracking links, hosted forms, JavaScript and API integrations, creatives, landing pages, disclosures, and other content we make available to you.
• Publisher Properties means the websites, email lists, SMS lists, ad accounts, social accounts, and other channels you own or control and use to promote the Program.
• Confidential Information means non-public information disclosed by either party, including payout rates, Advertiser identities, conversion data, technical documentation, and business plans.

3. Program overview

Lead Harbor operates a personal loan lead generation network. Publishers send Consumers to Lead Harbor loan-request forms, or post loan requests to us through an approved integration. Lead Harbor validates each request and offers it to Advertisers in real time. When an Advertiser accepts a Lead, it becomes a Qualified Lead and you earn the Payout for that offer.

Lead Harbor is not a lender, does not make credit decisions, and does not guarantee that any Consumer will receive a loan. Lead Harbor does not guarantee any volume of accepted Leads, any acceptance rate, or any level of earnings.

4. Eligibility and registration

To participate you must:

• be at least 18 years old and able to form a binding contract, or be a legally organized business in good standing;
• provide accurate, current and complete information during sign-up and keep it updated in the portal, including your legal name, company, country, contact email, messenger ID, traffic types and payment details;
• hold any licenses or registrations required for your marketing activities in the jurisdictions where you operate;
• not be located in, or be a resident or national of, a country or region subject to comprehensive U.S. sanctions, and not be listed on any U.S. government restricted-party list.

Registration does not by itself entitle you to participate. Lead Harbor reviews every application and may accept or decline it at its discretion, without giving a reason. We may ask for additional information, such as sample creatives, landing pages, list sources, or identity and business verification, before or after approval.

You are responsible for keeping your portal credentials confidential and for all activity under your account. Notify us immediately at [[email protected]] if you suspect unauthorized access.

5. Program Materials and license

Once approved, Lead Harbor grants you a limited, non-exclusive, non-transferable, revocable license to use the Program Materials solely to promote the Program in accordance with this Agreement. You may not modify Program Materials, remove disclosures or notices, frame or cloak our pages, or use Program Materials for any other purpose.

All traffic must be sent through the tracking links, forms, or integrations we assign to your account. Leads that cannot be attributed to your account through our tracking are not payable.

We may change, suspend, or withdraw any offer or Program Material at any time. When we do, you must update or stop the affected campaigns promptly and in any event within 24 hours of notice.

6. Traffic and marketing compliance

You are solely responsible for your Publisher Properties and for the legality of your marketing. You must comply with all applicable laws, regulations, and industry rules, including without limitation the Federal Trade Commission Act, the Telephone Consumer Protection Act (TCPA) and Federal Communications Commission rules, the CAN-SPAM Act, the Truth in Lending Act, state lending and advertising laws, the CTIA Messaging Principles and carrier requirements, and the policies of any advertising platform or network you use.

6.1 Permitted traffic

The traffic types you declared at sign-up (for example SMS, email, Google PPC, social media) are the only channels you may use unless you request and receive written approval for others in the portal or from your account manager. All traffic must originate from Consumers located in the United States.

6.2 Prohibited practices

You must not, directly or through a third party:

• use incentivized traffic, co-registration, pre-checked boxes, or any method that generates loan requests without the Consumer's clear, informed intent;
• submit Leads that you or your agents created, that are duplicated, recycled, purchased, scraped, or that contain fabricated or altered information;
• use bots, scripts, auto-fill tools, proxies, or any automated means to generate clicks or Leads;
• make false, misleading, or unsubstantiated claims about loan amounts, approval odds, rates, fees, funding times, or guaranteed approval;
• imply that you or Lead Harbor are a lender, a government agency, or an Advertiser, or that a Consumer has been pre-approved;
• bid on or use "Lead Harbor", any Advertiser name, or confusingly similar terms as keywords, in ad copy, or in domain names, without written permission;
• place Program Materials on properties containing unlawful, defamatory, obscene, hateful, or infringing content, or that target minors;
• send traffic from, or market to Consumers in, any state or jurisdiction that an offer excludes;
• use cookie stuffing, forced clicks, pop-unders, typo-squatting, iframes, or redirects that hide the source of traffic;
• bypass, alter, or interfere with our tracking, validation, or fraud systems.

6.3 SMS and calls

If you use SMS, MMS, or telephone marketing you must hold valid, documented prior express written consent that meets TCPA requirements for every recipient, honor opt-out requests immediately and in any event within the time required by law, include clear identification and opt-out instructions in every message, register brands and campaigns as required by carriers, and respect quiet hours and the National Do Not Call Registry. You must keep consent records for at least five years and provide them to us within 48 hours of request.

6.4 Email

All email must comply with CAN-SPAM and similar laws: accurate header and sender information, a non-deceptive subject line, clear identification as an advertisement, a valid physical postal address, and a working unsubscribe mechanism honored within ten business days. You must suppress every address on any suppression list we provide before each send. Lead Harbor may require pre-approval of email creatives and from-lines.

6.5 Paid search and social

You must follow each platform's financial-services advertising policies, obtain any required certifications, and use only approved landing pages. Direct-linking to Lead Harbor forms from paid ads is permitted only where the offer allows it.

6.6 Creative approval and disclosures

We may require you to submit landing pages, ads, emails, and messages for review before launch and may reject or require changes to any creative. You must display the disclosures we supply, including APR representative examples and the statement that Lead Harbor is not a lender, without modification.

6.7 Monitoring and audit

We may monitor your traffic, test your properties, and request documentation of consent, list sources, and marketing practices. You agree to respond fully within 48 hours. Failure to respond is a material breach.

7. Qualified Leads and Payouts

You earn the Payout shown for an offer in the portal for each Qualified Lead attributed to your account. Lead Harbor's records of clicks, Leads, acceptances, and Payouts are final and binding except in the case of manifest error. Lead Harbor determines in its reasonable discretion whether a Lead is a Qualified Lead.

The following are not payable and, if already credited, may be reversed:

• Leads rejected by all Advertisers, or that fail our validation, duplicate, or fraud checks;
• Leads returned by an Advertiser as invalid, unreachable, or non-compliant within the Advertiser's agreed return window;
• Leads generated in breach of Section 6, from prohibited traffic, or from outside the United States;
• Leads generated during any period in which your account was suspended.

If we determine that Leads were generated in breach of this Agreement, we may withhold or claw back Payouts for the affected period, offset them against future payments, and require repayment of amounts already paid. Where fraud or a serious breach is found, all unpaid balances are forfeited.

Payout amounts may differ by offer, state, traffic type, and time, and may change without prior notice. The Payout that applies is the one displayed in the portal when the Lead is accepted.

8. Reporting and payment

The portal provides real-time reporting of clicks, Leads, and earnings by campaign and sub-ID. Reports are provisional until the payment period closes and any reversals are applied.

You must review each payment statement and notify us in writing of any dispute within 30 days of the statement date. Statements not disputed within that period are accepted as correct.

We may hold payment where we are investigating suspected fraud or non-compliance, where an Advertiser has not paid us for Leads that are under review, where you have not supplied required tax or identity documents, or where required by law. We will tell you when a hold is applied and release it when the matter is resolved.

You are responsible for all taxes on amounts we pay you, other than taxes on Lead Harbor's net income.

9. Consumer data and privacy

All information about Consumers collected through the Program, including Leads and any data derived from them, is owned by Lead Harbor. You have no right to collect, store, use, sell, or share Consumer data from the Program except as strictly necessary to operate an approved API or hosted-form integration and only as we instruct.

Where your integration causes you to handle Consumer data, you must protect it with administrative, technical, and physical safeguards appropriate to financial information, encrypt it in transit and at rest, restrict access to personnel who need it, delete it once it has been transmitted to us unless we agree otherwise in writing, and notify us within 24 hours of any actual or suspected security incident involving it.

You must post and comply with a privacy policy on every Publisher Property that accurately describes your data practices, including the sharing of information with Lead Harbor and its Advertisers, and you must obtain any consents required for that sharing. You must not market to Consumers whose information you received through the Program, other than on behalf of the Program.

10. Intellectual property

Lead Harbor and its licensors own all rights in the Program, the portal, the Program Materials, the Lead Harbor name and lighthouse logo, and all related software, data, and documentation. Except for the limited license in Section 5, nothing in this Agreement transfers any rights to you. You may not copy, reverse engineer, or create derivative works from any part of the Program, or use our marks in a way that suggests endorsement or partnership without our written consent.

You grant Lead Harbor a non-exclusive, royalty-free license to use your name, logo, and Publisher Property URLs for the purpose of operating the Program and for internal reporting. We will not identify you publicly as a partner without your permission.

11. Confidentiality

Each party will keep the other's Confidential Information confidential, use it only to perform under this Agreement, and disclose it only to employees and contractors who need it and are bound by comparable obligations. Payout rates, Advertiser identities, acceptance data, and Program documentation are Lead Harbor's Confidential Information.

These obligations do not apply to information that is or becomes public without breach, was already lawfully known to the recipient, is independently developed, or must be disclosed by law, provided the recipient gives prompt notice where permitted. Confidentiality obligations continue for three years after this Agreement ends, and indefinitely for trade secrets and Consumer data.

12. Term and termination

This Agreement starts when we approve your application and continues until terminated. Either party may terminate for convenience on three days' written notice, which for you may be given by email to your account manager and for us by email to the address on your account or by notice in the portal.

Lead Harbor may suspend or terminate your account immediately, without notice, if we reasonably believe that you have breached this Agreement, that your traffic is fraudulent, non-compliant, or low quality, that your Publisher Properties are unsuitable for the Program, or that continuing would expose Lead Harbor or its Advertisers to legal or reputational risk, or if you become insolvent.

On termination you must immediately stop all campaigns, remove all Program Materials and links, stop sending any messages that reference the Program, and return or destroy our Confidential Information. Payouts earned on Qualified Leads before termination will be paid on the normal schedule, subject to Sections 7 and 8, unless the termination was for fraud or material breach. Sections 7 through 19 survive termination.

13. Your representations and warranties

You represent and warrant that: (a) the information you provide to us is accurate and complete; (b) you have all rights, licenses, and consents needed to operate your Publisher Properties and to send the traffic you send; (c) your marketing complies and will continue to comply with all applicable laws and this Agreement; (d) you hold documented consent for every SMS, call, and email you send in connection with the Program; and (e) you are not subject to sanctions and are not acting on behalf of anyone who is.

14. Indemnification

You will defend, indemnify, and hold harmless Lead Harbor, its affiliates, Advertisers, and their respective officers, directors, employees, and agents from and against all claims, demands, investigations, losses, liabilities, fines, penalties, costs, and expenses, including reasonable legal fees, arising out of or relating to your Publisher Properties, your marketing, your breach of this Agreement, your violation of any law or third-party right, or any Consumer complaint or regulatory action caused by your conduct. We may participate in the defense with counsel of our choice, and you may not settle any claim that imposes obligations on us without our written consent.

15. Disclaimer of warranties

The Program, the portal, and the Program Materials are provided "as is" and "as available". To the fullest extent permitted by law, Lead Harbor disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing. We do not warrant that the Program will be uninterrupted or error-free, that tracking will capture every event, or that any level of Leads, acceptances, or earnings will be achieved.

16. Limitation of liability

To the fullest extent permitted by law, Lead Harbor will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, or goodwill, arising out of or relating to this Agreement or the Program, even if advised of the possibility. Lead Harbor's total aggregate liability under this Agreement will not exceed the Payouts actually paid to you in the three months immediately preceding the event giving rise to the claim. These limits apply regardless of the form of action and reflect the allocation of risk between the parties.

17. Force majeure

Neither party is liable for delay or failure to perform, other than payment obligations already due, caused by events beyond its reasonable control, including natural disasters, epidemics, war, terrorism, civil unrest, labor disputes, government action, carrier or platform outages, denial-of-service attacks, or failures of the internet or utilities. The affected party must use reasonable efforts to resume performance.

18. Governing law and dispute resolution

This Agreement is governed by the laws of the State of [State], without regard to its conflict-of-laws rules. Before starting any formal proceeding, the parties will try in good faith to resolve the dispute through discussion between authorized representatives for at least 30 days after written notice.

Any dispute that is not resolved will be brought exclusively in the state or federal courts located in [County, State], and each party consents to the personal jurisdiction of those courts. [Optional: replace the court clause with a binding individual arbitration clause and class-action waiver on advice of counsel.] Each party waives any right to a jury trial to the extent permitted by law. Nothing in this Section prevents either party from seeking injunctive relief in any court to protect its intellectual property or Confidential Information.

19. General terms

• Independent contractors. The parties are independent contractors. Nothing creates a partnership, joint venture, agency, franchise, or employment relationship. You have no authority to bind Lead Harbor.
• Non-exclusivity. This Agreement is non-exclusive. You may work with other networks, and we may work with other publishers, including your competitors.
• Assignment. You may not assign or transfer this Agreement or your account without our written consent. We may assign this Agreement to an affiliate or to a successor in a merger, acquisition, or sale of assets.
• Notices. Notices to Lead Harbor must be sent to [[email protected]] and to [mailing address]. Notices to you will be sent to the email address on your account or posted in the portal and are effective when sent.
• Non-solicitation. During the term and for 12 months after, you will not knowingly use Confidential Information to solicit any Advertiser to purchase leads from you directly or through another network.
• Severability and waiver. If any provision is unenforceable, it will be limited to the minimum extent necessary and the rest of the Agreement will remain in effect. A failure to enforce a provision is not a waiver.
• Entire agreement. This Agreement, the Privacy Policy, any insertion order or offer terms in the portal, and any written compliance guidelines we issue form the entire agreement between the parties and supersede all prior discussions. If an insertion order conflicts with this Agreement, this Agreement controls unless the insertion order expressly says otherwise.
• Electronic acceptance. You agree that clicking to accept, submitting the sign-up form, or sending traffic constitutes your electronic signature and that electronic records of this Agreement are admissible.

20. Contact

Questions about this Agreement can be sent to: