These Terms of Service ("Terms") govern your access to and use of the Lendro.AI website, AI-powered lending platform, and related services (collectively, the "Services"). Please read these Terms carefully before using our Services.

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

1. Definitions

"Lendro.AI" (or "we," "our," or "us") refers to Lendro.AI Inc., a technology company providing AI-powered lending solutions.

"User" (or "you" or "your") refers to any individual or entity that accesses or uses our Services.

"Content" refers to any information, data, text, software, graphics, messages, or other materials that are posted, uploaded, or otherwise made available through our Services.

"AI Services" refers to our artificial intelligence and machine learning capabilities used for credit assessment, risk analysis, and lending decisions.

2. Account Registration and Security

To access our AI-powered lending platform, you may be required to register for an account. When you register, you agree to provide accurate, current, and complete information about yourself and your business as prompted by our registration process.

Account Security Requirements:

Safeguard your account credentials and login information
Notify us immediately of any unauthorized access
Accept responsibility for all activities under your account
Maintain current and accurate account information

We reserve the right to disable your account if we determine, in our sole discretion, that you have violated these Terms or engaged in activity that may harm our platform or other users.

3. Acceptable Use of Services

You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to engage in any of the following prohibited activities:

Legal & Ethical Violations

Violating any applicable laws or regulations
Impersonating Lendro.AI or other users
Providing false or misleading information
Engaging in fraudulent activities

Technical Violations

Attempting to bypass security measures
Using automated tools without permission
Introducing malicious software
Interfering with platform operations

4. Intellectual Property Rights

The Services and their entire contents, features, and functionality (including our AI algorithms, software, text, displays, images, and design) are owned by Lendro.AI, its licensors, or other providers and are protected by intellectual property laws.

Our Intellectual Property Includes:

Proprietary AI algorithms and models
Platform software and architecture
Trademarks and brand elements

User interface and experience design
Documentation and content
Data processing methodologies

These Terms do not grant you any right, title, or interest in the Services or any content, features, or functionality of the Services beyond the limited use rights explicitly granted herein.

5. User Content and Data

You retain all rights in any Content you submit to our Services. By submitting Content, you grant us a worldwide, non-exclusive, royalty-free license to use, process, and analyze such Content to provide and improve our AI-powered Services.

Your Content Responsibilities:

Ensure all submitted information is accurate and truthful
Maintain necessary rights to grant us the required license
Comply with all applicable laws and regulations
Respect third-party rights and intellectual property

6. AI Services and Lending Terms

6.1 AI-Powered Decisions

Our platform uses artificial intelligence to assess creditworthiness, analyze risk, and make lending recommendations. While our AI systems are sophisticated, all decisions are subject to human oversight and regulatory compliance.

6.2 Fees and Charges

We may charge fees for certain aspects of our Services, including platform access, loan processing, or premium features. All fees and charges will be clearly disclosed before you agree to them.

6.3 Loan Terms

If you use our Services to apply for or manage loans, additional terms and conditions will apply, including interest rates, repayment schedules, and penalties. These terms will be provided in your loan agreement.

7. Disclaimers and Warranties

IMPORTANT DISCLAIMER: The Services are provided "as is" and "as available," without warranty of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, or course of performance.

Lendro.AI does not warrant that the Services will function uninterrupted, secure, or available at any particular time or location, or that any errors or defects will be corrected. Our AI systems, while advanced, are not infallible and should not be relied upon as the sole basis for financial decisions.

8. Limitation of Liability

LIABILITY LIMITATION: In no event shall Lendro.AI, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

Your access to or use of or inability to access or use the Services
Any conduct or content of any third party on the Services
Any content obtained from the Services
Unauthorized access, use, or alteration of your transmissions or content
AI system errors or inaccuracies in automated decisions

9. Indemnification

You agree to defend, indemnify, and hold harmless Lendro.AI, its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Services.

10. Termination

We may terminate or suspend your access to all or part of the Services, with or without notice, for any conduct that we believe violates these Terms or is harmful to other users, our platform, or third parties.

Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may contact us or simply discontinue using the Services.

11. Governing Law and Jurisdiction

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the jurisdiction where Lendro.AI is incorporated, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of or related to these Terms or the Services shall be instituted in the courts of competent jurisdiction, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant jurisdiction.

12. Changes to Terms

We may revise and update these Terms from time to time to reflect changes in our services, technology, or applicable laws. All changes are effective immediately when we post them and apply to all access to and use of the Services thereafter.

Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes. We encourage you to review these Terms periodically.

13. Miscellaneous

Entire Agreement

These Terms constitute the entire agreement between you and Lendro.AI regarding our Services and supersede all prior agreements.

Severability

If any provision is held invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

14. Contact Information

If you have any questions about these Terms, please contact us:

Lendro.AI

Email: legal@lendro.ai
Website: www.lendro.ai
Support: support@lendro.ai

Legal Department

Terms Questions: legal@lendro.ai
Compliance: compliance@lendro.ai
Response Time: Within 5 business days