1. Agreement to Terms

By using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services. If you are using the Services on behalf of an organization, you are agreeing to these Terms for that organization and promising that you have the authority to bind that organization to these terms.

2. The LOBO Service

LOBO provides a marketplace platform connecting local businesses ("Partners" or "Merchants") with customers ("Users"). Our platform facilitates the discovery, booking, and payment processing for time-sensitive deals and services. LOBO acts as a payment processor and holds funds during the transaction period but is not the provider of the actual goods or services offered by Partners.

By using our Services, you acknowledge that:

• LOBO is a technology platform, not a service provider
• All services are provided directly by independent Partners
• LOBO processes payments but Partners are responsible for service delivery
• Partners set their own prices, terms, and availability

3. User Accounts & Registration

To access certain features, you must create an account. Account security is your responsibility:

• You must provide accurate, complete information
• You are responsible for all activity under your account
• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorized access
• You must be at least 18 years old to create an account
• One person may not maintain more than one account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

4. Bookings, Payments & Refund Policy

Payment Processing: When you book a deal, payment is processed immediately through Stripe, our secure payment processor. LOBO charges a 5% platform fee on all transactions. The remaining 95% is held and transferred to the Partner after service completion confirmation. Your card details are encrypted and never stored on our servers—all payment handling is managed securely by Stripe.

Stripe Payment Processor: We use Stripe to process all payments securely. By making a payment, you agree to Stripe's Terms of Service and Privacy Policy. Stripe may collect and use your payment information according to their policies. For more information about Stripe's data handling, visit stripe.com/privacy.

Payment Hold Period: Payments are held for 24 hours after the scheduled service time to allow customers to confirm service completion. If not confirmed or disputed within 24 hours, payment is automatically released to the Partner.

Refund Policy:

• Full Refund: Available up to 2 hours before your scheduled appointment time
• No Refund: Cancellations within 2 hours of appointment or after service delivery
• Service Issues: If you experience issues with service quality, you must report within 24 hours of service completion
• No-Show: Failure to appear for a confirmed booking without prior cancellation results in no refund
• Partner Cancellation: If a Partner cancels, you receive a full refund within 3-5 business days

Group Bookings: When booking for multiple participants, all participants are responsible for appearing at the scheduled time. If a group partially cancels, refund policies apply based on individual cancellations. Group discounts (if applied) may be forfeited if the minimum group size is not met at service time.

Recurring Deals: Recurring deal bookings automatically generate appointments on scheduled dates. You may cancel future recurring bookings up to 24 hours before the next scheduled appointment. Refund policies apply to each individual appointment in the series.

Dispute Resolution: Service quality disputes must be raised within 24 hours. LOBO will mediate between you and the Partner. In cases where Partners fail to deliver services, LOBO may issue refunds at its discretion.

Pricing: All prices displayed are in your local currency and include applicable taxes unless stated otherwise. Partners are responsible for setting their own prices. Promotional pricing may have additional terms and conditions.

Business Donations: Partners may enable a donation feature to receive community support. By making a donation, you understand that:

• Donations are voluntary contributions and are non-refundable
• Donations go 100% to the business (no platform fees)
• Donations do not entitle you to any goods or services
• You can choose to donate anonymously
• Businesses may use donations for operational expenses, community projects, or any lawful purpose
• LOBO is not responsible for how businesses use donated funds
• Donation amounts are immediately available to businesses for withdrawal

Premium Subscriptions: Customer Premium and Business Premium subscriptions offer monthly or yearly access to exclusive features. Auto-renewal occurs unless cancelled in Settings → Premium Subscription. You can cancel anytime with no penalty. Refunds for early cancellation are not provided.

Gift Cards: Gift cards can be purchased for specific deals and sent to recipients via email. By purchasing a gift card, you agree that:

• Gift cards are tied to the specific deal selected at purchase and cannot be exchanged for cash
• Gift cards expire on the date specified at purchase (default: 12 months from issue)
• Lost or stolen gift card codes cannot be replaced — treat codes as cash
• Gift card purchases are non-refundable once the recipient has been notified
• If a deal is cancelled by the Partner before redemption, the gift card value is refunded to the purchaser
• You are responsible for providing accurate recipient email addresses

Deal Bundles: Partners may offer bundles of multiple deals at a discounted price. Bundle purchases are non-refundable once any deal in the bundle has been booked or redeemed. If a Partner cancels a deal within a bundle, you may request a proportional refund.

Deal Subscriptions (Surprise Boxes): Subscription plans (Monthly Surprise, Category-Specific, Budget Box) deliver curated deals on a recurring basis. By subscribing, you agree that:

• Subscriptions auto-renew unless cancelled in Settings
• Delivered deals are subject to availability and Partner participation
• Subscription fees are non-refundable for the current billing cycle once charged
• LOBO is not responsible if no matching deals are available in your area during a cycle
• You can pause or cancel your subscription at any time

Deal Alerts & Waitlists: You can set up alerts for specific deal types and join waitlists for sold-out deals. Waitlist spots are offered on a first-come, first-served basis. Being on a waitlist does not guarantee a booking. Alert notifications are not guaranteed to be delivered in real-time.

Happy Hours: Happy hour listings are promotional time-limited offers published by Partners. Happy hour deals are subject to availability and may change without notice. LOBO is not responsible for a Partner's failure to honor a listed happy hour promotion — contact the Partner directly. Happy hour listings may be auto-posted on a schedule set by the Partner.

5. User Reviews, Videos & Community Content

Review Guidelines: Users may leave reviews of services and businesses. Reviews must be truthful, relevant, and based on genuine customer experience. You agree not to:

• Post false, misleading, or defamatory content
• Use reviews to solicit business or promote competitors
• Post spam, harassment, or hateful content
• Include personal contact information in reviews

Review Verification: Reviews must be from verified customers (those who have booked and completed a service). Only verified reviews earn points and appear on business profiles.

Video Posts & Media: Partners and users may upload videos, images, and other media to the platform. You retain ownership of content you upload but grant LOBO a worldwide license to display, distribute, and use your content for promotional purposes. Media must not contain:

• Copyrighted material (unless you own the rights)
• Explicit, violent, or hateful content
• Private or identifying information of others without consent
• Spam or misleading promotional content

LOBO reserves the right to remove content that violates these terms.

6. User Conduct & Prohibited Activities

You agree not to:

• Use the platform for any illegal or unauthorized purpose
• Post false, misleading, or fraudulent content
• Harass, abuse, or harm other users or Partners
• Attempt to manipulate ratings, reviews, or bookings
• Share your account credentials with others
• Use automated systems (bots) to access the platform
• Collect or store personal data of other users
• Bypass or circumvent platform fees

Violation of these rules may result in account suspension or termination and potential legal action.

7. Partner Obligations

If you are a business Partner using LOBO, you agree to:

• Provide accurate business information and maintain up-to-date profiles
• Honor all bookings made through the platform
• Deliver services as described in deal listings
• Comply with all applicable laws and regulations
• Respond to customer inquiries within 24 hours
• Maintain necessary licenses, permits, and insurance
• Accept LOBO's platform fee structure (5% of transaction value)

Partners who fail to meet these obligations may have their accounts suspended or terminated.

8. LOBO Points & Rewards System

Earning Points: Users earn LOBO Points through verified bookings and reviews. Points can be redeemed for exclusive rewards in the Rewards Shop. Points are non-transferable and have no monetary value.

Point Expiry: Points do not expire as long as your account remains active. If your account is deleted, all points are forfeited. Partners with Business Premium tiers earn Achievement Points which contribute to respect-level badges.

Reward Redemption: Rewards are subject to availability and expiry dates. Redeemed rewards are non-refundable. LOBO reserves the right to modify the rewards catalog and point values with 30 days notice.

Referral Program: Users can refer friends using a unique referral code. When a referred user completes their first booking, both the referrer and referral recipient receive bonus points. Referral bonuses are subject to promotional terms and may change.

9. VIP Concierge & Premium Services

VIP Concierge (Premium Customers): Premium customers receive early access to deals 1-4 hours before public release. This feature is available only to active Premium subscribers. Early access periods may vary by deal.

Business Premium Features: Business Premium subscribers gain access to unlimited daily deals, advanced analytics, priority support, and verified business badges. Premium tier is tied to active subscription and expires upon cancellation or lapse of payment.

9A. Messaging & In-App Communication

LOBO provides an in-app messaging system for communication between users and business Partners. By using messaging, you agree that:

• Messages must be respectful, relevant, and free of harassment or spam
• You must not share sensitive personal or financial information (e.g., full card numbers) in messages
• LOBO may review message content for safety, policy compliance, and dispute resolution
• Conversations are linked to your account and may be used as evidence in dispute resolution
• You can hide or pin conversations for organization — hidden conversations can be restored
• LOBO is not liable for the content of messages exchanged between users and Partners
• Partners are expected to respond to messages within 24 hours

Misuse of the messaging system (spam, harassment, fraud attempts) may result in account suspension.

9B. Suggestion Box & Success Stories

Suggestion Box: Users can submit suggestions for the LOBO platform or for specific businesses. By submitting a suggestion, you agree that:

• Suggestions become visible to the community and can be upvoted by other users
• You grant LOBO a license to use, implement, and build upon your suggestion without compensation
• LOBO has sole discretion over whether to implement, decline, or modify any suggestion
• Suggestion status (New, Under Review, Planned, Implemented, Declined) is tracked publicly
• You earn reward points for submissions (limited to one points-earning submission every 2 days)
• Duplicate or inappropriate suggestions may be removed

Success Stories: Business owners can submit success stories about their experience with LOBO. By submitting, you agree that:

• You must have explicit consent from any individuals named or photographed in your story
• Published stories are visible publicly on the LOBO platform
• LOBO has sole discretion to approve, reject, or edit submissions for clarity or compliance
• You can request removal of your published story at any time
• Stories must be truthful — false or misleading claims will result in removal

9C. Featured Listings, Visibility Boosts & QR Codes

Featured Deals & Paid Placement: Partners can pay to have their deals featured in prominent placements (top banner, homepage hero, category top, sidebar). Featured placement is a paid advertising service and does not guarantee bookings. Featured deal performance metrics (impressions, clicks) are provided to the paying Partner.

Visibility Boosts: Partners with sufficient Achievement Points can purchase visibility boosts (gold border, spotlight, featured badge, priority listing, hero banner) for their shop profile. Boosts are temporary and expire on the date shown at purchase. Boosts are non-refundable once activated.

QR Codes: Partners can generate QR codes for in-store promotions and booking check-ins. Users can scan QR codes to quickly access deals or check in for appointments. QR codes are tied to specific deals or shops and may expire when the associated deal expires. Misuse of QR codes (e.g., generating fraudulent codes) is prohibited.

Business Achievements: Partners earn Achievement Points through platform activity (bookings, reviews, referrals, deal creation). Achievement Points contribute to respect-level badges and unlock visibility boost purchases. LOBO reserves the right to adjust point values, add or remove achievement categories, and revoke points earned through fraudulent activity.

9D. Partner Withdrawals & Stripe Connect

Partners can withdraw their earnings through Stripe Connect. By requesting a withdrawal, you agree that:

• You must complete Stripe Connect onboarding and provide valid bank account details through Stripe
• LOBO does not store your full bank account numbers — Stripe manages all payout details securely
• Withdrawals are processed within 1-3 business days after request
• Only funds from confirmed, completed bookings are available for withdrawal
• LOBO may hold withdrawals for review in cases of suspected fraud or dispute
• You are responsible for any tax obligations related to your earnings
• Stripe Connect account status and payout failures are managed by Stripe — LOBO is not liable for Stripe-side issues

Partners can track withdrawal history and status (pending, processing, completed, failed) in their Earnings dashboard.

10. Intellectual Property

The LOBO platform, including all content, features, and functionality, is owned by LOBO and protected by copyright, trademark, and other intellectual property laws.

You retain ownership of content you submit but grant LOBO a worldwide, non-exclusive license to use, display, and distribute your content on the platform for operational purposes.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• LOBO is not liable for the quality, safety, or legality of services provided by Partners
• We are not responsible for disputes between users and Partners
• Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim
• We are not liable for indirect, incidental, or consequential damages
• Service interruptions or technical issues do not constitute breach of contract

12. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted, timely, secure, or error-free service
• Accuracy or reliability of information obtained through the service

13. Indemnification

You agree to indemnify and hold harmless LOBO, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your violation of these Terms
• Your use of the Services
• Your violation of any rights of another party
• Content you submit to the platform

14. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice, for any reason, including:

• Breach of these Terms
• Fraudulent or illegal activity
• At our sole discretion for any reason

Upon termination, your right to use the Services will immediately cease. All provisions that should reasonably survive termination will remain in effect.

15. Governing Law & Dispute Resolution

These Terms are governed by the laws of your jurisdiction. Any disputes will first be attempted to be resolved through good-faith negotiations.

If negotiations fail, disputes will be resolved through binding arbitration in accordance with applicable arbitration rules, except where prohibited by law.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on the platform at least 30 days before taking effect.

Continued use of the Services after changes constitutes acceptance of the updated Terms.

17. Contact Information

For questions about these Terms, please contact us at:

Email: legal@lobo.com

Support: lobosupport1@gmail.com

Last Updated: July 8, 2026