Terms of Service

Effective Date: 25 June 2026

These Terms of Service ("Terms") govern your use of LendBook ("we", "our", "the app"). By using the app you agree to these Terms. Please read them together with our Privacy Policy.

1. What LendBook Is

LendBook is a private bookkeeping and record-keeping utility for an individual to track loans they have personally given or taken — borrowers, balances, interest, EMIs, due dates, payments, and reports.

2. Not Financial or Legal Advice

The app's calculations, reports, eligibility tools, and generated documents are provided for your convenience and information only. They are not financial, tax, accounting, or legal advice. You are responsible for verifying figures and for complying with all laws that apply to lending or borrowing in your jurisdiction, including any licensing, interest-rate, stamp-duty, and disclosure requirements. Consult a qualified professional where appropriate.

3. Documents & Agreements You Generate

The agreement and document generator produces templates that you and the other party review, complete, and sign yourselves. We provide the tool, not the legal relationship. We do not witness, notarise, register, or enforce any agreement, and we are not a party to any loan or document you create. You are solely responsible for the accuracy, legality, and enforceability of any document you generate or share.

4. Your Responsibilities

• Keep your device and sign-in secure; you are responsible for activity under your account.
• Enter only data you are entitled to record, and only the minimum needed.
• Obtain any consent required before recording another person's details.
• Do not use the app for any unlawful purpose, harassment, or abusive collection practices.
• When you record identification or tax numbers (such as PAN or GST), ensure you have the right to do so and handle them lawfully and securely — see the Privacy Policy.

5. Subscriptions & Billing

LendBook offers a free tier and optional paid plans. Paid subscriptions are sold and billed through Google Play (processed via RevenueCat). Payment is charged to your Google Play account. Subscriptions renew automatically unless cancelled at least 24 hours before the renewal date; manage or cancel them in your Google Play account. Upgrades take effect immediately; downgrades take effect at the next renewal. A free trial, if offered, converts to the free tier (not a paid charge) when it ends unless you choose to subscribe. Refunds are handled under Google Play's policies.

6. Plan Limits & Downgrades

Each plan has limits (for example, the number of active borrowers and profiles). If you downgrade or a paid plan lapses, existing data is preserved but profiles beyond your new plan's limit become view-only until you upgrade again. Your data is never deleted by a downgrade.

7. Availability & Changes

We aim to keep the app available and accurate but provide it "as is" and "as available". We may update, add, or remove features, and may revise these Terms. The effective date at the top reflects the latest revision; continued use after a change constitutes acceptance.

8. Limitation of Liability

To the maximum extent permitted by law, LendBook and its operator are not liable for any indirect, incidental, or consequential losses, or for any loss arising from your reliance on calculations, reports, or generated documents, from data you enter, or from any dispute between you and a borrower or lender. The app is a record-keeping tool; the underlying lending relationship and its outcomes are solely between you and the other party.

9. Termination

You may stop using the app and delete your account at any time from Settings → Account → Delete Account, which permanently removes your data (you can export it first). We may suspend or terminate access for misuse or violation of these Terms.

10. Governing Law

These Terms are governed by the laws of India, without regard to conflict-of-law rules. Nothing in these Terms limits any consumer rights you may have under the laws of your country that cannot be waived by agreement.

11. Contact

For any questions about these Terms, contact us at:
support@built4uapps.com