Terms of Service

These Terms of Service ("Terms") are a contract between you and The Loan Reminder (theloanreminder.com) for use of our website and lending-reminder service ("Service"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy.

If you do not agree, do not use the Service. We may update these Terms from time to time as described below.

You must be at least 13 years old to use The Loan Reminder. If you are between 13 and the age of majority where you live, you may use the Service only with permission from a parent or legal guardian who agrees to these Terms on your behalf.

You must have the legal capacity to enter into this agreement, or have a parent or guardian do so for you. You may not use the Service if you have been suspended or banned, or if use is prohibited by applicable law.

The Loan Reminder helps people track items they lend or borrow and send reminder emails about those loans. Features may include lending records, photos, reminder schedules, public borrow links, return requests, and optional paid plans.

We may add, change, or remove features over time. The Service is provided on an "as available" basis. We do not guarantee that reminders will be delivered at a particular time, that emails will always reach the recipient, or that the Service will be uninterrupted or error-free.

You are responsible for:

• Providing accurate account information and keeping it up to date.
• Maintaining the confidentiality of your password and anything that happens under your account.
• Notifying us promptly if you believe your account has been compromised.
• All activity on your account, including lending records and reminders you configure.

You may not share your account, impersonate another person, or create an account using false or misleading information.

You may submit content such as item names, descriptions, notes, photos, and contact details ("Your Content"). You keep ownership of Your Content, but you give us permission to host, store, display, process, and use it as needed to operate the Service — including automated content moderation and sending emails you request.

You agree that Your Content and your use of the Service will be lawful and appropriate for a general audience. We aim to keepThe Loan Remindersuitable for users aged 13 and older (a "PG-13" standard). That means you will not upload, post, or use the Service to share content that:

• Is illegal, fraudulent, or promotes illegal activity.
• Is sexually explicit, pornographic, or otherwise intended for mature audiences only.
• Contains graphic violence, gore, or content that glorifies harm.
• Harasses, threatens, bullies, or encourages hatred or violence against others.
• Infringes someone else's intellectual property, privacy, or other rights.
• Contains malware, spam, or attempts to disrupt or abuse the Service.
• Is unrelated to a legitimate lending record or intended to evade moderation.

Photos should relate to the item being lent or borrowed. Do not upload images of identification documents, private personal information about unrelated people, or other sensitive material unless it is truly necessary for the loan record and you have a right to share it.

When you add a borrower, lender, or other contact, you may provide their name and email address. You represent that:

• You have a legitimate reason to store their information and send them service-related emails through The Loan Reminder.
• The information you provide is accurate to the best of your knowledge.
• You will not use the Service to harass, spam, or contact people who have not agreed to receive communications about the loan in question, except as permitted by law for genuine service reminders.

Reminder emails are service messages sent because you created or maintain a lending record. Do not use reminders for unrelated marketing, advertising, or promotional content. Recipients may unsubscribe using the link in reminder emails. Account holders may receive occasional non-promotional product tip emails from the founder and can opt out of those separately or stop all optional emails.

We may use automated tools and human review to detect prohibited or inappropriate content. We may remove, restrict, or refuse to display content; delay or block emails; suspend features; or suspend or terminate accounts that violate these Terms or create risk for us or others.

We are not obligated to monitor all content, but we may do so at our discretion. Enforcement decisions are made in our reasonable judgment and may be final except where the law requires otherwise.

Some features require a paid subscription. Payments are processed by Stripe on our behalf. When you subscribe, you agree to Stripe's terms and to pay applicable fees. Subscription details, renewal, and cancellation are shown during checkout and in your account settings.

Fees are generally non-refundable except where required by law or stated otherwise at purchase. We may change pricing with notice as required by law or your subscription terms.

The Loan Reminder, our logo, branding, software, and site content (other than Your Content) are owned by us or our licensors. You may not copy, modify, distribute, or reverse engineer our Service except as allowed by law or with our written permission.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not provide legal, financial, or collection services. The Loan Reminder is a record-keeping and reminder tool. You are responsible for your own lending arrangements and compliance with laws that apply to you.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE LOAN REMINDER, ITS OPERATORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) CAD $100.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

If your use of the Service, Your Content, or information you provide about another person causes a claim, loss, or expense against us (including reasonable legal fees), you agree to defend and indemnify us to the extent permitted by law, except where the claim results from our intentional misconduct or gross negligence.

You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms, if required by law, if your use creates risk or possible legal exposure, or if we discontinue the Service.

Sections that by their nature should survive termination — such as disclaimers, limitation of liability, indemnity, and governing law — will continue to apply.

We may update these Terms from time to time. We will post the updated version on this page and revise the "Last updated" date. If changes are material, we will provide additional notice where required or appropriate, such as by email or an in-app message, before the changes take effect.

Continued use of the Service after the effective date of updated Terms means you accept the changes. If you do not agree, you must stop using the Service.

These Terms are governed by the laws of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-law rules. Courts in Alberta will have exclusive jurisdiction over disputes arising from these Terms or the Service, except where applicable law gives you the right to bring a claim elsewhere.

If any part of these Terms is found unenforceable, the rest will remain in effect. Our failure to enforce a provision is not a waiver of our right to do so later.

Questions about these Terms? Contact us through our contact page.