Terms & Condition

LOVE MOBILE ® TERMS AND CONDITIONS OF SERVICE

EFFECTIVE DATE: January 1, 2026

IMPORTANT NOTICE: THIS AGREEMENT CONTAINS A MANDATORY BINDING ARBITRATION PROVISION, A CLASS ACTION WAIVER, AND A JURY TRIAL WAIVER THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ SECTION 13 CAREFULLY. THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTY.

1. ACCEPTANCE OF AGREEMENT

1.1. Acceptance. By purchasing, activating, using, or paying for any Service or Device provided by Love Mobile ® (“we,” “us,” or “our”), you (“you,” “customer,” or “user”) agree to be bound by these Terms and Conditions (“Agreement”). This Agreement applies to all lines on your account and anyone you allow to use your Service.

1.2. Authority. You represent that you are at least 18 years old and legally authorized to enter into this Agreement.

1.3. Changes. We may change prices, terms, and conditions at any time. Your continued use of the Service after the effective date of any change constitutes your acceptance of the modified terms.

2. THE SERVICE: “AS IS” AND “WHERE IS”

2.1. Nature of Service. Love Mobile ® provides wireless telecommunications services by reselling access to the networks of major national underlying carriers (“Network Partners”). We do not own the wireless network. We rely on third parties to provide the Service, and we are not responsible for their acts, omissions, outages, or network failures.

2.2. No Warranties. To the fullest extent permitted by law, the Service is provided on an “AS IS” and “WHERE IS” basis. Love Mobile ® and its Network Partners do not guarantee that the Service will be uninterrupted, error-free, secure, or available at specific speeds or in specific locations.

2.3. Coverage and Quality. Actual coverage and Service quality may vary based on terrain, weather, foliage, buildings, network capacity, traffic volume, and your device. We are not liable for Service failures, outages, dropped calls, or blocked messages. Love Mobile ® will not provide credits or refunds for service interruptions or outages.

3. STRICT FAIR USE POLICY (FUP) AND USAGE CAPS

To ensure network integrity and prevent fraud, “Unlimited” plans are subject to the following strict usage thresholds. Usage exceeding these thresholds constitutes a material breach of this Agreement and may result in immediate suspension or termination.

3.1. Voice and Text Safety Caps.

Love Mobile ® enforces strict safety caps to prevent abuse. Service may be terminated if you exceed:

• Voice: Maximum of 2,000 voice minutes per billing cycle.

• SMS Volume: Maximum of 1,500 SMS messages in any 24-hour period.

• SMS Velocity: Messages sent to 100 or more unique recipients in any 24-hour period.

3.2. Data Thresholds, Throttling, and Termination.

• Throttling: Data speeds will be reduced to 2G speeds (256kbps or lower) after you exceed 12GB (Standard Plans) or 22GB (Premium Plans) of usage per billing cycle.

• Hard Cap Termination: Love Mobile ® reserves the right to immediately suspend or terminate any line that exceeds 35GB of data usage in a single billing cycle.

• 10% Excessive User Rule: You acknowledge that if your usage places you in the top 10% of data users on our network, we may be forced to terminate your Service to protect network integrity.

3.3. Prohibited Network Uses.

You may not use the Service for:

• Machine-to-machine (IoT) applications, monitoring services, or continuous broadcasting.

• Auto-dialing, telemarketing, “spam,” or bulk messaging.

• Regulatory Evasion: Any activity designed to evade STIR/SHAKEN caller ID authentication protocols, including call spoofing or masking.

• A2P & Bulk Messaging: Using the Service for Application-to-Person (A2P) traffic, bulk messaging, or auto-dialing.

• Tethering or hotspot use exceeding your plan’s specific allowance.

• Simulating voice calls (e.g., Traffic Pumping or SIM Boxing).

4. FRAUD, SECURITY, AND FINANCIAL LIABILITY

4.1. Your Financial Responsibility. You are solely and fully responsible for all usage on your Account, including fraudulent or unauthorized usage, even if your Device or SIM card is lost, stolen, or cloned.

4.2. Zero Trust Liability. Love Mobile ® monitors for fraud but has no obligation to detect or prevent it. We are not liable for any losses resulting from unauthorized access to your account or Device, including SIM swap fraud or port-out fraud.

4.3. Lost or Stolen Devices. You must notify us immediately if your Device is lost or stolen. You remain responsible for all charges incurred up until the moment you report the theft to us and we suspend the line.

5. CHARGES, PAYMENTS, AND REFUND POLICY

5.1. Prepaid Service. All Services are prepaid. You must pay all applicable charges, taxes, and fees in advance.

5.2. General No Refund Policy. Except as explicitly stated in Section 5.3, payments are non-refundable. If you cancel your Service, or if your Service is terminated for cause, you will not receive a refund or credit for any unused portion of your billing cycle.

5.3. Taxes and Fees. You agree to pay all federal, state, and local taxes, fees, and surcharges imposed by the government or passed through by us. These generally include Regulatory Cost Recovery Fees and Universal Service Fund charges.

5.4. Plan Downgrade Penalty. You acknowledge that downgrading a rate plan during an active billing cycle is prohibited. If a plan downgrade is processed mid-cycle, you agree to pay a penalty fee of up to $400 to cover upstream carrier charges.

6. DEVICES AND COMPATIBILITY

6.1. Approved Devices. You may only use the Service with devices that are explicitly certified and approved by our Network Partners (“Approved Devices”). Using uncertified devices (such as unauthorized routers, repeaters, or IoT devices) is strictly prohibited.

6.2. Remote Access and Updates. You agree that we or our Network Partners may remotely change software, applications, or programming on your Device without notice to address security, network optimization, or regulatory requirements. These changes may modify or delete stored data, contacts, or settings. Love Mobile ® is not responsible for any lost data resulting from remote updates.

7. WI-FI CALLING AND EMERGENCY ALERTS

7.1. Wi-Fi 911 Risk. You acknowledge that 911 calls made via Wi-Fi Calling operate differently than traditional 911. Calls may fail, drop, or be misrouted if your internet connection is unstable, if there is a power outage, or if your registered location address is inaccurate.

7.2. Mandatory Registration. You agree to update your “Emergency Address” in your device settings immediately if you move. Love Mobile ® and its Network Partners disclaim all liability for any failure to connect to 911 or provide accurate location data while using Wi-Fi Calling.

7.3. Wireless Emergency Alerts (WEA). Love Mobile ® transmits Wireless Emergency Alerts (such as weather warnings or AMBER alerts) where available and when the device is capable. You acknowledge that WEA delivery is not guaranteed and may be delayed or blocked by network conditions. We are not liable for any failure to transmit an alert.

8. ROAMING AND INTERNATIONAL USE

8.1. Domestic Use Only. Unless you purchase a specific International Pass, your Service is provided for use primarily within the United States (the “Domestic Coverage Area”).

8.2. International Roaming Prohibition. Usage of the Service outside the Domestic Coverage Area (International Roaming) is strictly prohibited and blocked by default. You acknowledge that attempting to bypass these blocks or forcing the device to roam on foreign networks is a material breach of this Agreement.

8.3. High-Cost Areas (Cruise Ships & Airlines). You acknowledge that roaming on cruise ships, ferries, and airlines involves satellite connections that cost significantly more than standard networks (often exceeding $10.00 per megabyte). You are solely responsible for all charges incurred on these networks. Love Mobile ® is not liable for inadvertent connection to these networks.

8.4. Financial Liability for Roaming. If you bypass our roaming blocks (e.g., via software manipulation) or if a roaming block fails, you agree to pay all pass-through charges from our Network Partners for your off-net usage. You acknowledge these charges may exceed $10,000 for a single billing cycle, and you accept full financial responsibility for such usage.

9. TERMINATION FOR CONDUCT & REPUTATION

Love Mobile ® promotes a community of compassion. We reserve the right to terminate your Service immediately and without penalty if, in our sole discretion, your conduct:

• Is abusive, threatening, or vulgar toward our staff or other customers.

• Offends community standards or negatively impacts Love Mobile’s business reputation or relationships with its carriers.

• Violates the Acceptable Use Policy of our Network Partners.

10. PRIVACY AND CONSENT TO CONTACT

10.1. Consent to Contact. You expressly consent to be contacted by Love Mobile ® and our agents for any purpose, including billing and collections, at any mailing address, telephone number, or email address you provide.

10.2. Carrier Direct Contact. You acknowledge that our Network Partners (including the underlying carrier) reserve the right to contact you directly via text message or other means regarding the status of your Service, specifically in events of Service termination or breach of contract.

10.3. Data Usage. You acknowledge that we may share your Customer Proprietary Network Information (CPNI) with our Network Partners and affiliates as necessary to provide Service, prevent fraud, and comply with legal requirements.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Love Mobile ®, its affiliates, and its Network Partners (including their officers, directors, and employees) from any claims, damages, losses, fines, or expenses (including attorneys’ fees) arising out of: (a) your use of the Service or Device; (b) any content you transmit; (c) your violation of this Agreement; or (d) any claim that your use of the Service infringed on the rights of a third party.

12. LIMITATION OF LIABILITY

TO THE EXTENT PERMITTED BY LAW, LOVE MOBILE ® AND ITS NETWORK PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS OR DATA. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO LOVE MOBILE ® IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

13. DISPUTE RESOLUTION: BINDING ARBITRATION & CLASS ACTION WAIVER

13.1. Mandatory Arbitration. ANY DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT SHALL BE RESOLVED BY BINDING ARBITRATION ON AN INDIVIDUAL BASIS. YOU WAIVE YOUR RIGHT TO A JUDGE OR JURY TRIAL.

13.2. Class Action Waiver. YOU AGREE THAT ANY CLAIMS WILL BE ADJUDICATED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, REPRESENTATIVE ACTION, MASS ACTION, OR CONSOLIDATED ACTION.

13.3. No Financial Penalty/Settlement Premium. In any arbitration proceeding, Love Mobile ® shall not be liable for any special settlement premiums, alternative payments, or attorney premiums that exceed the actual damages awarded by the arbitrator. Each party shall bear its own attorneys’ fees and costs unless the arbitrator explicitly awards otherwise based on frivolous claims.

13.4. Mass Filing Procedures. If 25 or more similar demands for arbitration are filed against Love Mobile ® by the same or coordinated counsel, these will be designated as a “Mass Filing.” You agree to a bellwether process where only a small number of cases are arbitrated initially while all other claims are stayed.

13.5. Opt-Out. You may opt out of this arbitration agreement within 30 days of activating Service by sending a written notice to our legal department.

14. MISCELLANEOUS

14.1. Third-Party Beneficiaries. You agree that our Network Partners are intended third-party beneficiaries of this Agreement and may enforce these Terms directly against you.

14.2. Governing Law. This Agreement is governed by the Federal Arbitration Act and the laws of the state associated with your billing address.