Terms & Conditions for Ilovefdl.com

Effective Date: May 5, 2026

Welcome to Ilovefdl.com, operated by I Love Local LLC (“we,” “our,” “us,” or the “Platform”), based in Fond du Lac, Wisconsin. By accessing or using this website, you agree to these Terms & Conditions.

1. Marketplace Role

Ilovefdl.com is a multi-vendor marketplace that connects customers (“Customers”) with independent third-party sellers (“Vendors”).

We do not:

• Own, manufacture, inspect, store, or ship any products listed by Vendors
• Set Vendor pricing, descriptions, or availability
• Control how Vendors operate their businesses or fulfill orders

We do:

• Host product listings on behalf of Vendors
• Provide a checkout experience that processes the Customer's payment through Stripe and remits the Vendor's portion to the Vendor's connected Stripe account, less our commission
• Provide tools for Vendors to manage inventory, fulfillment, and integrations with their other sales channels

All products are listed and sold by Vendors. Each transaction is a contract between the Customer and the Vendor.

2. Vendor Responsibility

Each Vendor is solely responsible for:

• Product listings, descriptions, photographs, and pricing accuracy
• Product safety, quality, legal compliance, and licensing
• Order fulfillment — including pickup readiness, shipping, packaging, and delivery
• Returns, refunds, and exchanges (subject to Section 7 below)
• Customer service, complaints, and disputes
• Sales and use taxes outside Wisconsin, plus any required permits or licenses (alcohol, food handling, FFL, etc.). For sales delivered to Wisconsin customers, see §4 below — the Platform may be obligated under Wisconsin's marketplace-provider statute to collect and remit Wisconsin sales tax on the Vendor's behalf, in which case the Vendor is responsible only for its own income, business, and out-of-state tax obligations.
• Compliance with the Prohibited Items Policy

3. Customer Accounts

To place an order, you must create an account. You agree that:

• All information you provide is accurate and current
• You will keep your password confidential
• You are responsible for all activity on your account
• You must be at least 18 years old, or have a parent/guardian's consent if under 18 (the site is not intended for users under 13)

4. Payments

Payments on Ilovefdl.com are processed through Stripe, Inc. Customers pay I Love Local LLC at checkout; we then remit the net amount to the Vendor's Stripe-connected account, less our commission, after a payout delay of 7 days from the date of the order.

We use Stripe's “Connect” infrastructure. Full card details are never stored on our servers — they are tokenized and handled directly by Stripe under their PCI-DSS Level 1 compliance.

By making a purchase, you authorize:

• I Love Local LLC to charge your selected payment method for the full order total, including any applicable shipping, fulfillment, and tax charges
• The pass-through of your order details (name, shipping address, items, contact info) to the relevant Vendor(s) for fulfillment

Under Wisconsin's marketplace-provider statute (Wis. Stat. § 77.523), once the Platform's Wisconsin sales exceed the statutory threshold, the Platform may be required to collect and remit Wisconsin state and local sales tax on every Vendor's sales to Wisconsin customers, regardless of whether the individual Vendor would otherwise have a Wisconsin tax obligation. When the Platform collects the tax, it will be itemized at checkout and shown on the Customer's receipt; Vendors should not separately collect Wisconsin sales tax on those orders.

5. Subscriptions & Automatic Renewal

Some parts of I Love FDL are sold as recurring subscriptions. Everything in this section applies to all of them.

These plans renew automatically and your card is charged each billing period until you cancel. The plans currently offered are:

Cancelling. You can cancel at any time from the account page listed above — no phone call, no email, no waiting for us to action it. Cancellation takes effect at the end of the period you have already paid for: you keep what you bought until then, and you are not charged again.

Refunds on subscriptions. We do not pro-rate part-used periods. If you believe you were charged in error, contact us and we will look at it — this clause is not intended to override your rights under applicable consumer law.

Price and plan changes. If we change the price of a plan you are on, we will tell you by email before the change takes effect, with enough notice to cancel first. We will not apply a new price to a period you have already paid for.

Paused plans. Bingo listings are billed in step with campaigns: when a campaign closes, collection is paused and no invoice is charged until the next campaign opens. Paid directory tiers for bars and restaurants are currently not on sale at all.

Posting coupons on iLoveFDL.com/deals does not currently require any subscription. Where a subscription is optional, the page offering it says so.

6. Shipping, Fulfillment & Pickup

Each Vendor selects a fulfillment method per order, which may include in-person pickup at a Vendor's location, local delivery, or shipping. Pickup hours, addresses, and shipping timelines are set by the Vendor and shown on each Vendor's storefront and in the order confirmation.

I Love Local LLC is not responsible for lost, delayed, damaged, or misdelivered shipments, missed pickups, or any failure of fulfillment. All such issues must be resolved with the Vendor.

7. Returns & Refunds

Refund eligibility is set by each Vendor. Customers may request a refund through the Platform for 30 days from the date of the order, from the order in their account. A request is not itself a refund — it opens a message thread with the Vendor, who may approve it, offer a replacement, or decline it under their own policy.

Vendors can issue refunds directly from their dashboard for 5 days after an order. After that, refunds are issued by Platform admins, who may do so for up to 120 days from the order. Requests made after the Vendor's window are routed to the Platform automatically; Customers do not need to do anything differently.

When a refund is issued through the Platform, the Customer is credited in full to their original payment method, and the Vendor's share of that order — the amount transferred to them, net of the Platform's commission — is reversed from their Stripe balance. The Platform does not recover its own commission or the original payment-processing fee from the Vendor; those are borne by the Platform. Customers should expect refunds to appear on their statement within 5–10 business days, depending on their bank.

8. Chargebacks & Disputes

If a Customer files a chargeback or dispute with their bank or card issuer regarding an order, the responsible Vendor is liable for the disputed amount plus any chargeback fee imposed by Stripe, and the Platform will recover it from the Vendor's Stripe balance. Recovery is limited to what was originally transferred to the Vendor for that order; because that transfer was net of the Platform's commission and the chargeback fee is additional, a fully disputed order will usually leave a balance that the Platform absorbs. This does not release the Vendor from liability for the shortfall, which the Platform may recover by other means, including offset against future payouts.

If the Platform successfully fights the dispute and the funds are reinstated, the disputed amount is transferred back to the Vendor. The chargeback fee is generally not returned by Stripe and is therefore not re-credited.

We may assist in resolving disputes between Customers and Vendors at our sole discretion but are not obligated to do so. Customers and Vendors are encouraged to attempt resolution directly first.

9. Liability Disclaimer

You expressly understand and agree that:

• I Love Local LLC is not the seller of any products listed by Vendors
• I Love Local LLC is not responsible or liable for the quality, safety, legality, accuracy, or fitness of any product
• I Love Local LLC is not liable for any injury, illness, allergic reaction, property damage, or other harm caused by a product purchased through the marketplace
• I Love Local LLC is not liable for any Vendor's failure to fulfill, ship, or honor a sale
• All warranties, express or implied, on products are made by the Vendor — not by the Platform

10. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall I Love Local LLC, its members, officers, employees, contractors, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, or business interruption, arising out of or relating to:

• Your use of (or inability to use) the Platform
• Any product purchased through the Platform
• Any conduct of any Vendor or other user

Our total cumulative liability to you for any claim arising out of these Terms or your use of the Platform shall not exceed the greater of (a) the commission we retained on the specific transaction giving rise to the claim, or (b) one hundred U.S. dollars ($100.00).

11. Indemnification

You agree to indemnify, defend, and hold harmless I Love Local LLC, its members, officers, employees, contractors, and affiliates from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Platform
• Any transaction with a Vendor
• Your violation of these Terms or any applicable law
• Your violation of the rights of any third party

12. User Conduct

You agree not to:

• Use the Platform for any unlawful purpose
• Submit false, misleading, or infringing content
• Attempt to disrupt, reverse-engineer, or gain unauthorized access to the Platform
• Use automated tools (scrapers, bots) to access the Platform without our written consent
• Harass, threaten, or impersonate any Vendor, Customer, or staff member

We may suspend or terminate any account at our discretion for violating these Terms.

13. Intellectual Property

Platform-owned material. The website's design, source code, layout, logos, branding, photography commissioned by the Platform, newspaper editions, marketing copy, and directory listings curated by the Platform are owned by I Love Local LLC or its licensors. You may not copy, redistribute, or create derivative works of this material without our written permission.

Blogger-authored articles. Articles, photographs, and other editorial content created by independent contributors (“Bloggers”) remain the property of their respective authors. Bloggers contribute on a voluntary basis and are not employees of I Love Local LLC; their work is not “work made for hire” under U.S. copyright law. By publishing through the Platform, each Blogger grants I Love Local LLC a non-exclusive, worldwide, royalty-free license to host, display, reproduce, distribute, promote, syndicate, and create excerpts of the article for the duration of its publication on the Platform and for a reasonable archival period thereafter. This license includes:

• Display of the article on Ilovefdl.com and in any successor or partner publication operated by I Love Local LLC
• Inclusion in newsletters, social media, and search engine summaries
• Archival retention even after the Blogger removes the article from active publication, solely for record-keeping and historical reference

Bloggers may republish their own articles elsewhere at any time. Bloggers may request removal of an article from active display by emailing info@ilovefdl.com; we will honor reasonable removal requests within 14 days, retaining only an internal archival copy.

Vendor product content. Vendor product listings, photographs, descriptions, and storefront branding remain the property of the Vendor. By listing on the Platform, the Vendor grants I Love Local LLC a non-exclusive, worldwide, royalty-free license to host, display, reproduce, and promote the listing in connection with the marketplace, including in advertisements, social media, search-result snippets, and the Platform's email newsletters.

User-generated content. Comments, reviews, and other content posted by Customers remain the property of their authors, who grant the Platform a perpetual, irrevocable, non-exclusive, royalty-free license to display and reproduce that content on the site.

Reservation of rights. Nothing in this section transfers any other right than the license expressly granted. Trademarks and trade names of Vendors, Bloggers, or third parties referenced on the site remain the property of their respective owners.

If you believe material on I Love FDL infringes your copyright, see our Copyright & DMCA page for how to send a takedown notice, how to file a counter-notice, and our repeat-infringer policy.

14. Third-Party Services

The Platform integrates with several third-party services. Their handling of your data is governed by their own privacy policies:

• Stripe (payment processing)
• Resend (email delivery)
• Cloudflare R2 (image and file storage)
• Vercel (hosting and cookieless analytics)
• Sentry (error monitoring)
• Neon (database hosting)

15. Promotions & Contests

We run free games and prize promotions on the Platform — currently the Bingo card and the Local Passport on our homepage. This section applies to all of them.

No purchase necessary. No payment is ever required to play or to win. A free I Love FDL account is the only thing you need. Buying something on the Platform does not improve your chances, and paid business listings on a Bingo card or Passport are a separate advertising arrangement with that business — they have no bearing on who wins.

Who can enter. You must be 18 or older and a legal resident of the United States. Employees, contractors and immediate family or household members of I Love Local LLC are not eligible. Void where prohibited or restricted by law. We do not ask your age when you register, so entering is your confirmation that you meet these requirements, and we may ask you to confirm them before awarding a prize.

Sponsor. These promotions are run solely by I Love Local LLC. They are not sponsored, endorsed or administered by, or associated with, Apple Inc. or Google LLC, including where you are playing inside our iOS or Android app.

How to enter and how winners are decided. Entry and gameplay are described on the game card itself — collecting stamps by visiting participating local businesses, and submitting your card when it is complete. Submitted cards are reviewed by us in the order received, and the first completed entry we verify wins. There is one winner per campaign. Once a campaign has been won, any other entries still awaiting review are closed, and the card switches to showing the result. If we cannot verify an entry we will tell you why, and you are free to complete and submit another one while the campaign is still open.

Your odds depend on how many people enter and how quickly cards are completed, which we cannot know in advance. Daily Bingo answers expire at midnight Central time on the day they are revealed — a stamp not collected that day cannot be collected later.

The prize and the entry period are published with each campaign on the page where you play it. Prizes are not transferable and cannot be exchanged for cash unless we say otherwise. We may substitute a prize of equal or greater value if the one described becomes unavailable.

If you win. We will contact you within a few days using the email address, phone number or in-app messages attached to your account — so keep those current, and check your spam folder. If we cannot reach you within 14 days, or you decline the prize, we may award it to the next verified entry or not at all.

Your name is shown to other players. When a campaign is won, the winner’s account display name appears on that game card for everyone else signed in and playing. If you would rather that not be your full name, change the name on your account before entering. We will ask separately before using your name, photo or words in any other promotion or publication.

Taxes are yours. The value of any prize may be taxable income to you, and paying any tax owed on it is your responsibility. If the value of a prize requires it, we may need your legal name, address and taxpayer identification number before we can hand it over, and we cannot award the prize without them.

We may change or end a promotion. If a game is affected by a technical fault, tampering, fraud or anything else outside our reasonable control, we may suspend, modify or cancel it. Where a campaign is cancelled before a winner is verified, no prize is awarded — entry is free, so no entrant is out of pocket. Entries obtained through automated means, multiple accounts, or any attempt to interfere with the game are void.

Bingo has its own published Official Rules at iLoveFDL.com/games/rules, and those control for that game wherever they differ from this section.

Disputes about a promotion are governed by the Governing Law & Venue section below, the same as every other part of these Terms. If a particular campaign publishes its own detailed rules, those rules control for that campaign wherever they differ from this section. Questions about a game, or about a decision we have made on an entry, go to info@ilovefdl.com.

16. Changes to Terms

We may revise these Terms at any time. Material changes will be communicated via email or a prominent notice on the site. Continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.

17. Governing Law & Venue

These Terms and any dispute, claim, or controversy arising out of or relating to them or the Platform are governed by the laws of the State of Wisconsin, without regard to its conflict-of-law principles. The federal Electronic Signatures in Global and National Commerce Act and the Uniform Electronic Transactions Act, as adopted by Wisconsin, apply to electronic agreements formed through the Platform.

Any action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Fond du Lac County, Wisconsin, and you irrevocably consent to the personal jurisdiction and venue of those courts. The prevailing party in any such action shall be entitled to recover its reasonable attorneys' fees and costs to the extent permitted by Wisconsin law.

18. Contact

I Love Local LLC
Fond du Lac, Wisconsin
Email: info@ilovefdl.com
Website: https://ilovefdl.com