Terms and Conditions

1. Acceptance of Terms

Welcome to LendSmart ("we," "us," or "our"). By accessing or using our website at www.lendsmart.me and the LendSmart loan management application and services (collectively, the "Service"), you agree to be bound by these Terms and Conditions.

By creating an account, subscribing to our service, or using any part of the service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Service

LendSmart is a cloud-based loan management platform that enables users to:

• Manage borrower information and records
• Create and track loans with interest calculations
• Record and monitor repayments
• Generate reports and analytics
• Access subscription-based features based on a selected plan

We reserve the right to modify, suspend, or discontinue any part of the service at any time without prior notice.

3. Account Registration

3.1 Eligibility

• You must be at least 18 years old to use the service.
• You must provide accurate, current, and complete registration information.
• You are responsible for maintaining the security of your account credentials.
• One person or entity may not maintain more than one free account.

3.2 Account Security

You are solely responsible for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.

3.3 Email Verification

Upon registration, you must verify your email address through the confirmation link sent to your inbox. Failure to verify your email may limit access to certain features.

4. Subscription Plans and Payments

4.1 Subscription Tiers

4.2 Payment Terms

• All subscription fees are billed monthly in advance.
• Payments are processed through PayPal.
• All fees are in USD unless otherwise specified.

4.3 Refunds

Subscription fees are non-refundable. If you cancel before the end of your billing period, you retain access to paid features until that period ends.

5. User Responsibilities

5.1 Acceptable Use

You agree to use the service only for lawful purposes. You agree not to:

• Use the service in a way that violates applicable laws or regulations
• Violate the rights of others, including privacy and intellectual property rights
• Upload or transmit malware or harmful code
• Attempt to gain unauthorized access to the service
• Interfere with or disrupt the service
• Collect user data without consent
• Use the service to facilitate illegal lending practices

5.2 Data Accuracy

You are responsible for the accuracy of the data you enter into the service. We are not responsible for decisions made based on inaccurate data entered by you.

6. Data Privacy and Security

Your data is stored securely using industry-standard safeguards, including:

• Encryption in transit and at rest
• Secure infrastructure through Supabase
• Regular security reviews

For full details, please review our Privacy Policy.

7. Intellectual Property

All content, features, and functionality of the service are owned by LendSmart and protected by applicable copyright and trademark laws. You retain ownership of the data you input into the service.

8. Limitation of Liability

• The service is provided on an "as is" basis without warranties.
• We do not warrant that the service will be error-free or uninterrupted.
• We are not liable for indirect, incidental, or consequential damages.
• Our total liability will not exceed the amount paid in the preceding 12 months.

9. Termination

You may cancel your subscription at any time. We may suspend or terminate your account if you violate these terms or engage in illegal activity.

10. Modifications to Terms

We may update these terms at any time. Material changes may be communicated by email or by notice in the service.

11. Governing Law

These terms are governed by the laws of the United States, and disputes will be resolved in the courts of the United States through binding arbitration where applicable.