📄 LendGrove Terms of Service

Welcome to LendGrove! These Terms of Service ("Terms") govern your access to and use of the LendGrove platform, including our tools, services, website (www.lendgrove.org), and mobile applications (collectively, the "Service"). By creating an account or using any part of our platform, you agree to be bound by these Terms.

1. Who We Are

LendGrove provides digital planning tools, financial guidance, and AI-powered business strategy support for small and solo service providers. We are not a financial institution, and we do not provide loans or investment advice.

2. Eligibility

To use LendGrove, you must:

• Be at least 18 years old
• Have the authority to enter into a legal agreement
• Use the platform only for lawful, business-related purposes

If you use LendGrove on behalf of a company or organization, you represent and warrant that you have the authority to bind it to these Terms.

3. User Accounts

You are responsible for:

• Providing accurate, current information
• Maintaining confidentiality of your login credentials
• All activities under your account

You must notify us immediately if you suspect unauthorized access.

4. Use of the Service

You may use our platform to:

• Track and plan business goals
• Receive AI-powered business strategy suggestions
• Access financial health tools and personalized planning insights

You may not:

• Use the service for illegal or harmful activities
• Attempt to reverse-engineer or copy our software
• Share your account with unauthorized users
• Misrepresent your identity or business information

5. Paid Plans and Subscriptions

LendGrove offers both free and paid plans. By subscribing to a paid plan:

• You agree to pay all applicable fees
• You authorize us to charge your payment method on a recurring basis
• You may cancel anytime, but no refunds are issued for partial billing cycles

Free trials may be offered, and limitations will be disclosed during sign-up.

6. AI Tools and Recommendations

Our platform uses AI (e.g., GPT-based models) to generate sub-goals, tasks, and recommendations. These suggestions:

• Are based on your input and assumptions
• Should not be considered professional advice
• Are not guaranteed to be accurate or suitable for every user

You are solely responsible for the business decisions you make.

7. Data Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, store, and use your data.

8. Intellectual Property

All content on LendGrove (including code, UI, copy, branding, and AI-generated plans) is owned by LendGrove or its licensors. You may not copy, reproduce, or distribute our content without permission.

9. Termination

We reserve the right to suspend or terminate your access if:

• You violate these Terms
• You abuse the platform or its users
• We are legally required to restrict access

You may delete your account at any time by contacting us at info@lendgrove.org.

10. Disclaimers and Limitation of Liability

LendGrove is provided "as-is" without any warranties.

We do not guarantee that:

• The platform will always be available
• AI recommendations will be accurate
• Financial outcomes will improve

To the fullest extent permitted by law, LendGrove will not be liable for any indirect, incidental, or consequential damages.

11. Modifications

We may update these Terms from time to time. Changes will be posted on this page and become effective upon posting. Continued use after changes constitutes your acceptance.

12. Contact Us

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

Email: info@lendgrove.org

Website: www.lendgrove.org