Effective Date: January 1, 2025

These Terms and Conditions constitute a legally binding agreement between you and 4Fi, LLC, together with its affiliates, subsidiaries, controlled entities, funds, special purpose vehicles, successors, assigns, and related brands, whether existing now or in the future (collectively, “4Fi” or the “Company”). These Terms govern your participation in the 4Fi Network Referral and Rewards Program (the “Program”).

By accessing, enrolling in, participating in, submitting referrals to, receiving points from, or accepting any benefit under the Program, you acknowledge that you have read, understand, and agree to be bound by these Terms in their entirety. If you do not agree, you must not participate in the Program.

1. PROGRAM NATURE AND DISCRETION

The Program is a voluntary, discretionary marketing and relationship-development initiative offered by the Company. The Program is not intended to create, and does not create, any contractual obligation, vested right, entitlement, expectancy, or guarantee of compensation or reward. 

The Company reserves the unrestricted right, in its sole and absolute discretion, to modify, convert, suspend, restrict, or terminate the Program, in whole or in part, at any time, with or without notice, for any reason or no reason.
Participation in the Program is entirely voluntary and at the participant’s own risk.

2. DEFINITIONS

Participant means any individual or entity that participates in the Program in any capacity.
Qualified Introduction means a bona fide, original, good-faith introduction of a third party to the Company or any of its affiliates that was not previously known to or engaged by the Company, as determined solely by the Company.
Qualified Relationship means a relationship that, following a Qualified Introduction, results in a substantive commercial engagement with the Company or any of its affiliates, as determined exclusively by the Company.
Qualified Referral means a Qualified Relationship that results in a fully executed, funded, and closed transaction that satisfies all internal underwriting, compliance, legal, and payment requirements of the applicable Company entity.
Network Rewards Points or Points means the internal, non-cash accounting unit used by the Company to track potential rewards under the Program.
All determinations of eligibility, qualification, attribution, valuation, and timing are made solely by the Company and are final and binding.

3. REFERRAL ELIGIBILITY AND ATTRIBUTION

Referrals are not eligible if the referred party is an existing customer, investor, partner, prospect, or counterparty of the Company or any affiliate, or was previously introduced to or engaged by the Company prior to the alleged introduction.
Self-referrals, referrals generated through automated means, misleading communications, spam, unauthorized marketing, or misrepresentation are strictly prohibited and render the referral invalid.
The Company does not guarantee tracking or attribution of referrals. The Company shall have no responsibility or liability for untracked, misattributed, or lost referrals due to technical issues, data loss, third-party systems, or any other cause.

4. POINTS-BASED REWARDS FRAMEWORK

All rewards under the Program are governed exclusively through Network Rewards Points.
Points are not cash, have no cash value, are not legal tender, are non-transferable, non-assignable, and do not constitute wages, compensation, commissions, fees, income, property, or consideration of any kind.
Points exist solely as a discretionary internal accounting mechanism and may be modified, reduced, forfeited, or eliminated at any time.

5. DISCRETIONARY REDEMPTIONS

At the Company’s sole discretion, Points may be redeemable for certain incentives from time to time. Such incentives may include, without limitation, a one-time one-hundred-dollar gift card for a Qualified Referral resulting in a closed and funded transaction.
The availability, form, timing, conversion ratio, redemption thresholds, and fulfillment of any incentive are determined exclusively by the Company and may change at any time without notice.
The accumulation of Points does not guarantee redemption. The Company may delay, deny, revoke, expire, claw back, or cancel Points or redemptions for any reason, including compliance concerns, operational needs, program integrity, or suspected misuse. Points are governed on a calendar-year basis and are subject to expiration as set forth in Section 6, regardless of the timing or volume of Points earned.

6. CALENDAR YEAR EARNING PERIOD; REDEMPTION DEADLINE; 

Network Rewards Points are earned and tracked on a calendar-year basis only.
Points earned during a given calendar year may be redeemed only through March 31 of the immediately following calendar year, unless redeemed earlier.
Points earned in one calendar year do not carry forward, roll over, or accumulate into any subsequent calendar year. Each calendar year constitutes a separate and independent earning and redemption period.
Any Points earned during a calendar year that are not redeemed by 11:59 p.m. local time on March 31 of the following calendar year shall automatically expire, be permanently forfeited, have no value, and be removed from the Participant’s account without notice.
The Company has no obligation to provide reminders, notices, or extensions prior to expiration.
The Company reserves the right, in its sole discretion, to modify earning periods, redemption windows, expiration dates, or apply different rules to different Participants, programs, or reward categories, at any time, with or without notice.

7. TAX RESPONSIBILITY

Participants are solely responsible for any and all federal, state, local, or other tax obligations arising from participation in the Program or the receipt or redemption of any reward. The Company provides no tax advice and assumes no responsibility for reporting, withholding, or tax compliance.

8. NO EMPLOYMENT, AGENCY, OR COMMISSION RELATIONSHIP

Participation in the Program does not create an employment relationship, independent contractor relationship, agency, partnership, joint venture, brokerage arrangement, fiduciary duty, or commission-based relationship with the Company or any affiliate.
Participants have no authority to bind the Company, negotiate terms, set pricing, make representations, or act on behalf of the Company in any capacity.

9. PROGRAM CONDUCT AND COMPLIANCE

Participants must comply with all applicable laws, regulations, and ethical standards.
The Company reserves the right to disqualify any Participant, invalidate any referral, and forfeit any Points if the Company determines, in its sole discretion, that the Participant has engaged in conduct that is misleading, deceptive, unlawful, or exposes the Company or any affiliate to legal, regulatory, reputational, or operational risk.

10. DISCLAIMER OF WARRANTIES

The Program is provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

11. LIMITATION OF LIABILITY

To the maximum extent permitted by law, the Company and its affiliates shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to the Program, including lost profits, lost opportunities, lost rewards, reliance damages, program changes, or termination.
In all events, the total aggregate liability of the Company and its affiliates shall not exceed the lesser of one hundred dollars or the total value of rewards actually redeemed by the Participant in the three months preceding the event giving rise to the claim.

12.NO RELIANCE

Participants acknowledge and agree that they are not relying on the Program, any Points, or any potential reward in making business, financial, or personal decisions. No oral or written statements, examples, illustrations, or prior practices create any binding obligation.

13. INDEMNIFICATION

Participants agree to indemnify, defend, and hold harmless the Company and its affiliates, members, managers, officers, directors, employees, and agents from and against any and all claims, damages, liabilities, costs, expenses, and attorneys’ fees arising out of participation in the Program or violation of these Terms.

14. TERMINATION

The Company may suspend or terminate the Program or any Participant’s involvement at any time, without notice and without obligation. Termination does not give rise to any claim for compensation, damages, or equitable relief.

15. DISPUTE RESOLUTION, ARBITRATION, AND CLASS ACTION WAIVER

Any dispute arising out of or relating to the Program or these Terms shall be resolved exclusively by binding arbitration conducted in the State of Wyoming.
Participants waive any right to bring or participate in any class action, collective action, or representative proceeding.

16. GOVERNING LAW

These Terms are governed by the laws of the State of Wyoming, without regard to conflict of laws principles.

17. CONTACT INFORMATION

4Fi, LLC
1309 Coffeen Ave
Sheridan, WY 82801
[email protected]

LANDING PAGE ACCEPTANCE DISCLOSURE
By participating in the 4Fi Network Referral and Rewards Program, you acknowledge that rewards are tracked in points, have no cash value, expire annually if not redeemed, may change or be discontinued at any time without notice, and do not constitute compensation, commissions, or guaranteed benefits across any 4Fi affiliate.