Terms of Use

1. ACCEPTANCE OF TERMS

Welcome to Lloyd Capital. These Terms of Use ("Terms," "Agreement") govern your access to and use of our website located at www.lloydcapital.com, our services, and all communications including SMS text messages. These Terms constitute a legally binding agreement between you and Lloyd Capital, a financial services company located at 3887 Okemos Road, Williamston, MI 48854.

By accessing our website, using our services, signing up for an account, or providing your mobile number for SMS communications, you agree to comply with and be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, please do not use our services, access our website, or provide us with your information.

2. ABOUT LLOYD CAPITAL

Lloyd Capital is a financial services company providing comprehensive business solutions, including:

• Payroll processing and administration services
• Tax filing and compliance management
• Employee benefits management and administration
• Life insurance services for employees
• Health and medical insurance services
• HR support and consulting services
• Related financial and compliance services

3. ELIGIBILITY AND ACCOUNT REQUIREMENTS

3.1 Eligibility

To use Lloyd Capital's services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate, current, and complete information
• Maintain the security and accuracy of your account information

3.2 Business Accounts

If you are registering on behalf of a business entity, you represent and warrant that:

• You have the authority to bind the business entity to these Terms
• The business is validly existing and in good standing
• You possess all necessary business licenses and registrations

4. SMS/TEXT MESSAGING TERMS (A2P 10DLC COMPLIANCE)

5. USE OF SERVICES

5.1 Permitted Uses

You may use our services for legitimate business purposes including payroll processing, benefits administration, and compliance management.

5.2 Prohibited Uses

You may NOT:

• Engage in illegal or fraudulent activities
• Provide false information
• Attempt unauthorized access to systems
• Violate any applicable laws

6. WEBSITE TERMS

6.1 Intellectual Property

All content on our website is the exclusive property of Lloyd Capital and protected by intellectual property laws.

7. PAYMENT AND BILLING TERMS

7.1 Service Fees

Fees are as agreed in your service contract. Payment is due according to agreed terms.

7.2 Late Payments

Late fees may apply. Services may be suspended for non-payment.

8. PRIVACY AND DATA PROTECTION

Your privacy is governed by our Privacy Policy. We protect your information with industry-standard security measures and comply with GLBA, FCRA, HIPAA (where applicable), and Michigan privacy laws.

9. DISCLAIMERS AND LIMITATIONS

9.1 Service Availability

Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind.

9.2 Limitation of Liability

Lloyd Capital's liability is limited to fees paid in the preceding 12 months. We are not liable for indirect, consequential, or punitive damages.

10. COMPLIANCE AND REGULATORY

You agree to comply with all federal and Michigan employment, tax, and regulatory requirements.

11. TERMINATION

Either party may terminate services with notice as specified in your service agreement. Outstanding fees remain due upon termination.

12. DISPUTE RESOLUTION

12.1 Governing Law

These Terms are governed by Michigan law.

12.2 Jurisdiction

Legal actions shall be brought in Ingham County, Michigan courts.

13. CHANGES TO TERMS

We may update these Terms with 30 days' notice. Continued use constitutes acceptance of changes.

14. MISCELLANEOUS

These Terms, with our Privacy Policy and service agreements, constitute the entire agreement. If any provision is unenforceable, remaining provisions stay in effect.

15. CONTACT INFORMATION

16. REGULATORY COMPLIANCE STATEMENT

Federal Laws: TCPA, CAN-SPAM, GLBA, FCRA, FLSA, ERISA

Michigan Laws: Consumer Protection Act, Identity Theft Protection Act, Employment Laws

Last Updated: January 1, 2025
© 2025 Lloyd Capital. All rights reserved.