Terms of Service for LotTalk™

Last Updated: September 13, 2025

These Terms of Service ("Terms") govern your access to and use of LotTalk™ (the "Application") and the LotTalk website (the "Website"), both operated by Xlerates Technologies, L.L.C. ("Xlerates," "we," "us," or "our"). By accessing or using the Website or Application, you agree to be bound by these Terms. If you do not agree, you may not access or use LotTalk.

1. Eligibility

You must be at least eighteen (18) years old to use LotTalk. By registering, you represent that the information you provide is accurate and that you have the authority to accept these Terms.

LotTalk is available to all individuals. Certain features and permissions may be restricted to users affiliated with dealerships or organizations that have authorized accounts ("Dealership Users").

2. Account Registration and Security

• To use the Application, you must create an account with accurate and complete information.
• You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.
• You must notify us immediately of any unauthorized use or security breach.
• Xlerates employs industry-standard safeguards (including multi-factor authentication for administrative access, row-level security, and encryption) but cannot guarantee absolute security.

3. Acceptable Use

You agree not to, and will not permit others to:

• Use LotTalk for unlawful, fraudulent, or abusive purposes.
• Upload or transmit content that is defamatory, obscene, harassing, or otherwise objectionable.
• Attempt to gain unauthorized access to other accounts, systems, or data.
• Interfere with or disrupt the integrity, performance, or security of LotTalk.
• Reverse engineer, decompile, or attempt to derive source code except as permitted by law.

Dealership administrators and organizational account owners may impose additional rules on affiliated users.

4. User Content

• You retain ownership of content you create or share within LotTalk.
• By submitting content, you grant Xlerates a limited license to host, transmit, and display such content as necessary to operate the Application.
• Content shared in public or group channels may be visible to other users.
• Dealership or organizational administrators may access, manage, or delete content associated with their authorized accounts.

5. Service Availability

• LotTalk is provided on an “as is” and “as available” basis.
• We may modify, suspend, or discontinue portions of the Website or Application at any time without notice.
• We are not liable for unavailability caused by maintenance, upgrades, or factors beyond our control (e.g., internet outages, provider downtime).

6. Intellectual Property

• LotTalk™, and all related names, logos, and branding are trademarks of Xlerates Technologies, L.L.C. (whether or not formally registered).
• All rights, title, and interest in and to the Website, Application, and related materials remain with Xlerates.
• You may not copy, modify, or distribute any part of LotTalk without prior written consent.

7. Third-Party Services

LotTalk may integrate with or rely on third-party services (e.g., hosting, analytics, identity providers). We are not responsible for the availability, content, or policies of those third parties.

8. Disclaimers and Limitation of Liability

LotTalk is provided without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.

Any marketing statements referring to LotTalk as “Free Forever” are not a guarantee of perpetual free access.

We reserve the right to change, discontinue, or introduce charges for features or services at any time.

The Ultimate Plan is free for the first 25 dealerships. Each dealership includes up to 20 user accounts. Costs, if any, are always covered by the dealership—never by individual team members joining. Additional seats can be added to a dealership through upgraded plans. We may expand the number of free dealership slots in the future, but availability is not guaranteed. If any changes affect your access, we’ll provide clear advance notice.

To the maximum extent permitted by law, Xlerates shall not be liable for indirect, incidental, consequential, or punitive damages, including lost profits or data.

Our aggregate liability in connection with LotTalk shall not exceed the greater of (i) the total amount paid by you (if any) in the twelve (12) months preceding the claim, or (ii) one hundred dollars ($100).

9. Indemnification

You agree to indemnify and hold harmless Xlerates, its officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of your use of LotTalk, your violation of these Terms, or your infringement of any rights.

10. Governing Law

These Terms shall be governed by and construed under the laws of the State of Washington, without regard to conflict of law principles. Venue for disputes shall lie in the state or federal courts located in Washington.

11. Modifications

We may revise these Terms from time to time. Updates will be effective upon posting to the Website, with a revised “Last Updated” date. Continued use of LotTalk after changes constitutes acceptance of the updated Terms.

12. Contact

For questions regarding these Terms, please contact us at:

Xlerates Technologies, L.L.C.
522 W Riverside Ave Ste N
Spokane, WA 99201-0581
United States
Email: support@lot-talk.com