Terms & Conditions

1.1. www.lendlord.io is a site operated by Lendlord Limited ("Lendlord", "we", "us", "our"), registered in England and Wales under company number 11973095 with registered office at Office 5-6 First Floor Popin Business Centre, Wembley, HA9 0HF.

1.2. We are a limited liability company.

1.3. To contact us, please email support@lendlord.io or telephone us on 0208 191 9611.

2.1. By using our site, you confirm that you accept these terms of use and that you agree to comply with them.

2.2. If you do not agree to these terms, you must not use our site.

2.3. We recommend that you print a copy of these terms for future reference.

2.4. We may from time to time introduce integrations with third-party systems, including government or regulatory services such as HM Revenue & Customs. Access to and use of such features may require additional user authorisation and may be subject to separate terms.

3.1. These terms of use refer to the following additional terms, which also apply to your use of our site:

3.2. Our Privacy Policy [LINK], which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

4.1. We amend these terms from time to time. Every time you wish to use our site, please check these terms to ensure you understand the terms that apply at that time.

5.1. We may update and change our site from time to time to reflect changes to our products, our users' needs and our business priorities. We will try to give you reasonable notice of any major changes.

6.1. Our site is made available free of charge.

6.2. We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.

6.3. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

7.1. If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

7.2. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use.

7.3. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at support@lendlord.io.

8.1. We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

8.2. You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

8.3. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

8.4. Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

8.5. You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

8.6. If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

9.1. The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

9.2. Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up to date.

9.3. Any information, calculations, estimates, or outputs generated through the platform are provided for general informational purposes only and should not be relied upon for tax, regulatory, or filing obligations.

10.1. Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.

10.2. We have no control over the contents of those sites or resources. Where you use any integration with third-party systems (including government or tax authority systems), you are responsible for ensuring that all data provided is accurate, complete, and up to date.

11.1. This Website may include information and materials uploaded by other users of the site, including to bulletin boards and chat rooms. This information and these materials have not been verified or approved by us. The views expressed by other users on our site do not represent our views or values.

11.2. If you wish to complain about information and materials uploaded by other users please contact us on support@lendlord.io.

12.1. Whether you are a consumer or a business user:

1. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.
2. Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any products to you, which will be set out in our applicable service Terms and conditions.

12.2. If you are a business user:

1. We exclude all implied conditions, warranties, representations or other terms that may apply to our site or any content on it.
2. We will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
   1. use of, or inability to use, our site; or
   2. use of or reliance on any content displayed on our site.
3. In particular, we will not be liable for:
   1. loss of profits, sales, business, or revenue;
   2. business interruption;
   3. loss of anticipated savings;
   4. loss of business opportunity, goodwill or reputation;
   5. loss or corruption of data; or
   6. any indirect or consequential loss or damage.

12.3. If you are a consumer user:

1. Please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
2. If defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

12.4. We shall not be liable for any penalties, interest, losses, or liabilities arising from the use of the platform in connection with tax reporting, regulatory submissions, or third-party integrations.

13.1. Lendlord offer bridging finance service to its user base.

13.2. Lendlord only supports non-regulated bridging finance on buy to let properties only.

13.3. All loans are being done with Heter Iska that was signed by the company directors and is presently held in the company's offices.

14.1. Whenever you make use of a feature that allows you to upload content to our site, or to make contact with other users of our site, you may use our site only for lawful purposes. You may not use our site:

1. In any way that breaches any applicable local, national or international law or regulation.
2. In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
3. For the purpose of harming or attempting to harm minors in any way.
4. To send, knowingly receive, upload, download, use or re-use any material in breach of any provision of these terms.
5. To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
6. To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

14.2. You also agree:

1. Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of these terms.
2. Not to access without authority, interfere with, damage or disrupt:
   1. any part of our site;
   2. any equipment or network on which our site is stored;
   3. any software used in the provision of our site; or
   4. any equipment or network or software owned or used by any third party.
3. You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. This means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.
4. Any content you upload to our site will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant us and other users of our site a limited licence to use, store and copy that content and to distribute and make it available to third parties. We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
5. We have the right to remove any posting you make on our site at our reasonable discretion.

14.3. You are solely responsible for securing and backing up your content.

14.4. We are not responsible for viruses and you must not introduce them.

15.1. You are responsible for configuring your information technology, computer programmes and platform to access our site. You should use your own virus protection software.

15.2. You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

16.1. You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

16.2. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

16.3. You must not establish a link to our site in any website that is not owned by you.

16.4. Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

16.5. We reserve the right to withdraw linking permission without notice.

16.6. The website in which you are linking must comply in all respects with the content standards set out in these terms.

17.1. If you are a consumer, please note that these terms of use, their subject matter and their formation, are governed by English law. You and we both agree that the courts of England and Wales will have exclusive jurisdiction except that if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

17.2. If you are a business, these terms of use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

18.1. In order to access your payment accounts in the United Kingdom to provide you with account information services, Lendlord Limited has partnered with Salt Edge Limited and, for these purposes, acts as their agent registered by the Financial Conduct Authority (Firm Reference Number: 1058269). Salt Edge Limited is registered by the Financial Conduct Authority (Firm Reference Number: 822499) under the Payment Services Regulations 2017 and provides you with the regulated account information services subject to Salt Edge's own terms. By accessing and using account information services hereunder you agree to Salt Edge's Terms of Delegated Account Information Services and Delegated Account Information Services: Privacy and Cookies Notice.

19.1. The Lendlord Premium Plan billing terms:

• The Lendlord Premium Plan is billed monthly or annually, depending on your chosen billing cycle.
• Current subscription fees are displayed on the Lendlord website and may be subject to change.
• Automatic renewal is activated with your chosen billing cycle unless canceled prior to the next billing period.

19.2. Cancellation and Refunds:

• No refunds will be provided for unused portions of a billing cycle.
• No refunds in case of special promotions.
• The Lendlord company reserves the right to decide to what extent a refund will be given to the user.
• If a user feels that a specific premium feature did not meet his expectations, he may be eligible for a partial refund or credit upon contacting customer support and demonstrating a good faith effort to utilize the feature. The final decision on refunds will be made at Lendlord's discretion based on the individual circumstances.
• Cancellations will take effect at the end of the current billing period, unless the user violated Lendlord's community rules.

19.3. Data Privacy and Security:

• Lendlord takes data privacy and security very seriously. We have implemented robust measures to protect your personal and financial information.
• Our privacy policy outlines how we collect, use, and store your data. You can access our privacy policy on the Lendlord website.

19.4. Disclaimer and Limitations:

• Lendlord provides the features and benefits of the Premium Plan on an "as is" basis without warranties of any kind, express or implied.
• Lendlord is not responsible for any losses or damages arising from the use of the Premium Plan features or benefits.
• The information provided through the Premium Plan features, such as property estimations and market insights, is intended for informational purposes only and based on data from third party providers, and should not be solely relied upon for investment decisions.

19.5. Subscription Provider and Payment Collection:

Premium subscription fees are payable to EX-FOUR Solutions Ltd (company number: 516039153).

Lendlord Limited acts solely as a collection agent for these subscription fees and collects payments on behalf of EX-FOUR Solutions Ltd.

By subscribing to a Premium Plan, you acknowledge and agree that the contractual supplier of the Premium Plan is EX-FOUR Solutions Ltd, and that Lendlord Limited's role is limited to facilitating payment collection on its behalf.

20.1. AI Assistance & Disclaimer:

• The Lendlord platform includes AI-powered tools to assist with property analysis summary, property comparison, account information quick queries, email phrasing and more.
• AI-generated insights and recommendations are for informational purposes only and should not be considered financial, legal, or investment advice.
• Users remain fully responsible for verifying AI-generated suggestions before making any decisions.

20.2. Accuracy & Limitations:

• AI outputs rely on user inputs and predefined models, meaning results may vary based on data provided and external factors.
• Lendlord does not guarantee the accuracy, completeness, or reliability of AI-generated insights.
• AI recommendations should be used as a supporting tool, not a replacement for professional advice.

20.3. AI Models & Providers:

• Lendlord uses AI models from OpenAI and Claude (Anthropic) to generate insights.
• AI models operate entirely within the Lendlord platform, ensuring that user data is not passed externally for public training or storage based on the privacy policies of OpenAI and Claude (Anthropic).

20.4. AI Model Terms & Conditions:

By using Lendlord's AI features, users acknowledge and agree to the terms of our AI providers:

• OpenAI Terms of Use: https://openai.com/policies/row-privacy-policy/
• Anthropic (Claude) Terms of Use: https://privacy.anthropic.com/en/articles/7996885-how-do-you-use-personal-data-in-model-training

Lendlord is not responsible for any changes or policies implemented by these providers.

20.5. Liability Limitation:

• To the fullest extent permitted by law, Lendlord disclaims any liability for direct, indirect, or consequential damages arising from AI-generated insights.
• Users agree to use AI features at their own risk and acknowledge that all insights should be independently verified.

21.1. We may from time to time provide features that enable integration with third-party systems, including government or regulatory services such as HM Revenue & Customs.

21.2. Such integrations may require you to:

• provide explicit authorisation;
• connect your account via secure authentication mechanisms;
• agree to additional terms specific to those services.

21.3. We do not control and are not responsible for the availability, performance, or operation of any third-party systems, and access to such integrations may be modified, suspended, or withdrawn at any time.

If you have any questions or concerns about the Lendlord Premium Plan, please contact our customer success team through the Lendlord website or by email at sarelc@lendlord.io.