Lending.Pal Terms of Use (US)

  1. Introduction
    Welcome to Lending.Pal ("Lending.Pal," "we," "us," or "our"). These Terms of Use ("Terms") govern your use of our website, mobile application, and any related services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.
  2. Changes to Terms
    We may update these Terms from time to time. We will notify you of any material changes by posting the revised Terms on our website and updating the "Effective Date" above. Your continued use of the Services after such changes will constitute your acceptance of the updated Terms.
  3. Eligibility
    You must be at least 18 years old and legally capable of entering into a binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements.
  4. Account Registration
    • Registration Process: To access certain features, you must create an account by providing accurate and complete information, including your name, email address, phone number, and payment details.
    • Account Security: You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. Notify us immediately if you suspect any unauthorized use of your account.
    • Account Termination: We reserve the right to terminate your account at any time, with or without notice, for any reason, including a violation of these Terms.
  5. Use of Services
    • License Grant: Lending.Pal grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal use only.
    • Prohibited Conduct: You agree not to:
      • Use the Services for any illegal or unauthorized purpose.
      • Interfere with or disrupt the Services or servers.
      • Use any automated system to access the Services.
      • Attempt to gain unauthorized access to any portion of the Services.
    • Modifications to the Services: We reserve the right to modify, suspend, or discontinue any part of the Services at any time without notice.
  6. Payments and Fees
    • Payment Methods: You agree to pay all fees associated with your use of the Services. Payments will be processed through the payment method you provide during registration.
    • Billing: Fees will be billed automatically on a monthly or per-transaction basis, as applicable. All fees are non-refundable.
    • Disputes: If you believe you have been billed in error, you must notify us within 30 days of the charge. We will investigate and, if applicable, issue a correction.
  7. Intellectual Property
    • Ownership: All content, features, and functionality available through the Services are the exclusive property of Lending.Pal and its licensors, protected by intellectual property laws.
    • Trademarks: "Lending.Pal" and our logo are trademarks of Lending.Pal. You may not use these trademarks without our prior written permission.
    • User Content: If you submit any content to us (e.g., feedback or suggestions), you grant Lending.Pal a non-exclusive, perpetual, royalty-free license to use, reproduce, modify, and distribute such content.
  8. Privacy
    Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and disclose your personal information. Please review the Privacy Policy carefully.
  9. Dispute Resolution
    • Arbitration: Any disputes arising out of or related to these Terms or the Services will be resolved through binding arbitration, conducted by the American Arbitration Association (AAA) in accordance with its rules.
    • Class Action Waiver: You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.
    • Opt-Out: You may opt out of arbitration by notifying us in writing within 30 days of your initial acceptance of these Terms.
  10. Disclaimer of Warranties
    The Services are provided "as is" and "as available" without warranties of any kind, either express or implied. Lending.Pal does not warrant that the Services will be uninterrupted or error-free.
  11. Limitation of Liability
    To the maximum extent permitted by law, Lending.Pal will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services.
  12. Governing Law
    These Terms are governed by and construed in accordance with the laws of the State, without regard to its conflict of law principles.
  13. Contact Information
    For questions about these Terms, please contact us at edward@thelendingpal.com

Lending.Pal Terms of Use (UK)

  1. Introduction
    Welcome to Lending.Pal ("Lending.Pal," "we," "us," or "our"). These Terms of Use ("Terms") govern your use of our website, mobile application, and related services (collectively, the "Services"). By accessing or using the Services, you agree to comply with these Terms. If you do not agree, please do not use the Services.
  2. Changes to Terms
    We may revise these Terms at any time. Any changes will be effective immediately upon posting on our website. We will notify you of significant changes via email or by placing a prominent notice on our site. Your continued use of the Services after such changes constitutes your acceptance of the revised Terms.
  3. Eligibility
    To use our Services, you must be at least 18 years old and legally capable of entering into binding contracts. By using the Services, you confirm that you meet these requirements.
  4. Account Registration
    • Creating an Account: To access certain features, you must register an account with Lending.Pal. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.
    • Account Security: You are responsible for safeguarding your account details and for any activity under your account. Notify us immediately if you suspect any unauthorized use of your account.
    • Termination of Account: We may suspend or terminate your account at our discretion, with or without notice, if you violate these Terms or for any other reason.
  5. Use of Services
    • Licence to Use: Lending.Pal grants you a limited, non-transferable, non-exclusive, revocable licence to use the Services for personal, non-commercial purposes.
    • Prohibited Uses: You agree not to:
      • Use the Services for any illegal purpose.
      • Copy, modify, or distribute any part of the Services without our prior written consent.
      • Disrupt the normal operation of the Services, including through denial-of-service attacks.
      • Service Modifications: We reserve the right to modify or discontinue the Services, temporarily or permanently, with or without notice.
  6. Payments and Fees
    • Payment Obligations: You agree to pay all fees and charges incurred in connection with your use of the Services. These fees will be charged to the payment method you provide during registration.
    • Recurring Billing: Some services may involve recurring billing. By agreeing to these Terms, you authorize Lending.Pal to charge your payment method on a recurring basis for such services.
    • Refunds: All payments are final, and we do not offer refunds except as required by law.
  7. Intellectual Property
    • Ownership: The Services and all materials contained therein, including text, graphics, logos, and software, are the property of Lending.Pal or its licensors and are protected by copyright, trademark, and other intellectual property laws.
    • Trademarks: "Lending.Pal" and related logos are trademarks of Lending.Pal. You may not use these trademarks without our written permission.
    • User Submissions: By submitting content to us, you grant Lending.Pal a non-exclusive, worldwide, royalty-free licence to use, reproduce, and distribute such content in connection with the operation of the Services.
  8. Privacy
    Your privacy is important to us. Our Privacy Policy, which is incorporated into these Terms by reference, explains how we collect, use, and share your information.
  9. Dispute Resolution
    • Governing Law: These Terms are governed by the laws of England and Wales.
    • Jurisdiction: Any disputes arising out of or in connection with these Terms will be subject to the exclusive jurisdiction of the courts of England and Wales.
    • Alternative Dispute Resolution: You agree to first attempt to resolve any disputes informally by contacting us at edward@thelendingpal.com If the dispute cannot be resolved informally, it may be referred to mediation or arbitration.
  10. Disclaimer of Warranties
    The Services are provided "as is" without any warranties, express or implied. Lending.Pal does not guarantee that the Services will be available at all times or that they will be free from errors.
  11. Limitation of Liability
    Lending.Pal will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Services, to the extent permitted by law.
  12. General Provisions
    • Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
    • Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lending.Pal regarding your use of the Services.
  13. Contact Information
    For any questions or concerns regarding these Terms, please contact us at edward@thelendingpal.com
Contact Info

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+44 7791390637
Email us

edward@theLending.Pal.com
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