Terms of Service

By using iLender, you agree to these terms. Please read them carefully.

1. The Service (Digital Notebook Status)

iLender is a mathematical tool and digital ledger designed for personal record-keeping. It is functionally a “Digital Notebook.”

• iLender is not a bank, a financial institution, or a legal advisor.
• iLender does not provide lending services, credit mediation, or debt collection services.

2. User Responsibility & Compliance

• Compliance with Laws: You are solely responsible for ensuring that your lending activities comply with all applicable local, regional, and national laws (including interest rate caps, licensing requirements, and tax reporting).
• Data Accuracy: You are responsible for the accuracy of the data you input. iLender provides calculations based strictly on your inputs.

3. No Financial or Legal Advice

All calculations, interest projections, and snapshots provided by the app are for informational and record-keeping purposes only. They do not constitute financial or legal advice. You should consult with professional advisors before entering into any binding financial agreements.

4. Subscriptions & Active Slots

iLender uses a tiered subscription model managed via RevenueCat.

• Free Tier: Limited to 1 active deal.
• Standard/Premium Tiers: Provide higher limits as described in the app.
• If a subscription expires, your data remains accessible, but you will be unable to create new deals until your active count falls below the free tier limit or you renew.

5. Limitation of Liability

iLender is provided “as is.” We are not liable for any financial losses, data entry errors, or legal disputes arising from your use of the application.

6. Governing Law

These terms are governed by the laws of Ukraine.