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Terms of Service

Last updated: June 30, 2026

These Terms of Service ("Terms") are a binding agreement between you and The Lux Agency, LLC, a California limited liability company ("Loop," "we," "us"). They govern your use of the Loop referral rewards platform at my-loops.com and related services (the "Service"). By creating an account or using the Service, you agree to these Terms.

1. Accounts

There are two account types: Business Accounts (the merchant subscribing to Loop) and Customer Accounts (an end-customer of a Business). You must be at least 18 years old and provide accurate information. You are responsible for activity on your account and for safeguarding your credentials.

2. The referral program — in-store cash, not money

Loop allows a Business to offer its customers a referral reward expressed in U.S. dollars. That balance ("In-Store Cash") is a promotional credit issued by, and redeemable only at, the specific Business that issued it.

  • In-Store Cash is not legal tender, is not a gift card, and is not a stored-value or general-use prepaid product.
  • In-Store Cash cannot be redeemed for cash, withdrawn, exchanged, refunded, or transferred to another person or business.
  • In-Store Cash may only be used to pay for goods or services at the issuing Business and is subject to that Business's program rules (per-visit cap, stackability, expiration, blackout services, etc.).
  • If a Customer closes their Loop Customer Account, the balance does not convert to cash and does not transfer to another Business. The balance remains with the issuing Business and is redeemable there, subject to that Business's expiration policy.
  • If a Business cancels its Loop subscription or ceases operations, the relationship between the Business and its customers regarding outstanding balances is between the Business and those customers. Loop is not the obligor of any In-Store Cash and does not guarantee redemption.
  • In-Store Cash has no cash value, accrues no interest, and is void where prohibited by law.

3. Business obligations

Each Business is responsible for: (a) accurately configuring its reward percentage, per-visit caps, expiration, and stackability; (b) lawfully obtaining and recording opt-in consent from its customers before enrolling them or sending them messages; (c) honoring valid redemptions; (d) complying with all applicable laws including consumer-protection, tax, sweepstakes, gift-card, and unclaimed-property laws as they may apply to that Business's program; and (e) acting as the controller of its customer data and providing its own privacy notice to its customers.

4. Acceptable use

Do not: (a) upload customer contact information without lawful consent; (b) use the Service to send unlawful, deceptive, harassing, or unsolicited messages; (c) reverse engineer, scrape, or attempt to bypass security or rate limits; (d) resell or sublicense the Service without our written agreement; (e) interfere with other tenants of the platform or use the Service to compete with Loop. We may suspend or terminate accounts that violate these rules.

5. SMS / text messaging

When a Business enables SMS, it appoints Loop to send text messages on its behalf only to recipients from whom the Business has obtained prior express written consent meeting the requirements of the TCPA (47 U.S.C. § 227), FCC rules (47 C.F.R. § 64.1200), applicable state mini-TCPA statutes, and CTIA Messaging Principles and Best Practices. The Business represents that each phone number it submits is opt-in and that it maintains records of consent.

Recipients may opt out at any time by replying STOP, and may request help by replying HELP. Message and data rates may apply. Message frequency varies. Carriers are not liable for delayed or undelivered messages. Consent to receive messages is not a condition of any purchase. All U.S. SMS traffic runs over A2P 10DLC registered campaigns. The Business agrees to indemnify Loop against claims arising from messages sent to recipients who did not validly opt in.

6. Artificial intelligence

Loop does not use end-customer personal information to train third-party AI models and does not send end-customer data to third-party AI providers as part of normal Service operation. We reserve the right to add AI-assisted features. Any such feature that processes identifiable customer data will be disclosed before launch and will be opt-in at the Business-account level. AI output, when provided, is informational and is not legal, tax, financial, or medical advice; Businesses remain responsible for content they publish to their customers.

7. Fees and billing

Loop is offered on monthly subscriptions: $9.99/month Standard or $19.99/month White-Label. New Business Accounts may be offered a $1 introductory rate for the first 30 days, after which the standard monthly fee applies. Fees are billed in advance via Stripe and are non-refundable except where required by law. You may cancel at any time; cancellation stops future renewals and takes effect at the end of the current billing period. Taxes, if applicable, are your responsibility. We may change pricing on 30 days' notice.

8. Intellectual property

Loop, the Loop logo, and the Service are owned by The Lux Agency, LLC and its licensors. You receive a limited, non-exclusive, non-transferable license to use the Service during your subscription. Businesses retain ownership of their logos and customer data and grant Loop a limited license to host, process, and display that content as needed to operate the Service.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOOP'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE AMOUNTS PAID BY YOU TO LOOP IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. LOOP WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, REVENUE, OR DATA.

11. Indemnification

You agree to indemnify and hold harmless The Lux Agency, LLC, its affiliates, and their officers, employees, and agents from claims arising out of: (a) your use of the Service; (b) your breach of these Terms; (c) messages you send through the Service; or (d) your relationship with your customers, including any dispute over In-Store Cash.

12. Termination

You may cancel at any time from your billing page. We may suspend or terminate accounts for breach, non-payment, fraud, abuse, or risk to other users. Upon termination, your right to access the Service ends; certain provisions (IP, disclaimers, liability, indemnity, governing law) survive.

13. Governing law and dispute resolution

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. Any dispute will be resolved exclusively in the state or federal courts located in California, and the parties consent to personal jurisdiction there. Each party waives any right to a jury trial. Either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property.

14. Changes

We may update these Terms. Material changes will be communicated via email or in-app notice at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.

15. Contact

The Lux Agency, LLC
Email: hello@my-loops.com
Phone: 866-531-5667