Last Updated: April 7, 2026
Welcome to Blue Ditto LLC. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our services.
By accessing our website or submitting a financing application, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy.
Our services are intended for businesses and individuals over the age of 18 who have the legal authority to enter into binding financial agreements. By using our services, you represent and warrant that you meet these eligibility requirements.
Blue Ditto LLC provides business financing services, including but not limited to:
All financing is subject to credit approval and underwriting. We reserve the right to decline any application at our sole discretion.
When you submit a financing application, you agree to:
False or misleading information may result in application denial and potential legal action.
Specific fees, interest rates, and repayment terms will be disclosed in your loan agreement or financing documents. By accepting financing, you agree to pay all amounts due according to the agreed-upon schedule. Additional fees may apply for late payments, returned payments, or early repayment (where applicable).
You may use our website for lawful purposes related to learning about and applying for our financial services.
You agree not to:
All content on this website, including text, graphics, logos, images, and software, is the property of Blue Ditto LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
If you opt in to receive SMS or text messages from Blue Ditto LLC, the following terms apply:
By providing your mobile number and opting in via our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Blue Ditto LLC using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message frequency varies. You may receive up to 4 messages per month. Actual frequency depends on your account activity and promotional campaigns.
Message and data rates may apply. Check with your mobile carrier for details on your messaging plan. Blue Ditto LLC is not responsible for carrier charges.
You may opt out of SMS messages at any time by replying STOP to any message. You will receive one final confirmation message after opting out.
For assistance, reply HELP to any message, or contact us at james@blue-ditto.com.
Consent is NOT a condition of purchase. You may apply for financing and use our services without opting in to SMS communications.
Our SMS service is available on major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Availability may vary by carrier.
Your mobile number and SMS opt-in data are subject to our Privacy Policy. We will not share your mobile information with third parties for their marketing purposes.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or secure.
Information on our website is for general informational purposes only and does not constitute financial, legal, or tax advice. Consult with qualified professionals before making financial decisions.
To the fullest extent permitted by law, Blue Ditto LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless Blue Ditto LLC and its affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of your use of our services, violation of these Terms, or infringement of any third-party rights.
These Terms are governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law principles. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Maryland.
In the event of a dispute, you agree to first attempt to resolve the matter informally by contacting us at james@blue-ditto.com. If the dispute cannot be resolved informally, it shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless prohibited by law.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and any financing agreements you enter into with us, constitute the entire agreement between you and Blue Ditto LLC regarding your use of our services.
If you have questions, concerns, or disputes regarding these Terms, please contact us:
Blue Ditto LLC
7 Main St
Reisterstown, MD 21136
Email: james@blue-ditto.com