Terms of Service

Last updated: October 18, 2026

The short version. Lendumine connects neighbours who want to lend and borrow equipment. We run the platform and handle payments; the rental itself is an agreement between the two people involved. Be honest about what you list, look after what you borrow, and treat people decently.

1. Who can use Lendumine

You must be at least 18 and able to enter a binding contract. We ask you to confirm this when you create your account, and we record your answer. One account per person. You are responsible for everything done through your account, so keep your login details to yourself. If we learn an account belongs to someone under 18, we close it.

2. What Lendumine is — and is not

We are a marketplace. We do not own, inspect, store, insure, or deliver any of the items listed. We are not a party to the rental agreement between a lender and a borrower, and we make no warranty about any item's condition, safety, legality, or suitability. Ratings and profiles are provided by members, not verified by us.

3. Listing an item

• List only items you own and are legally allowed to rent out.
• Describe the item and its condition honestly, with real photos of the actual item.
• Set a price and availability you intend to honour.
• Do not list anything on our prohibited list — see the Community Guidelines.

You keep ownership of your content. By posting it you give us a licence to display, store, and distribute it inside the Service so it can work. That licence ends when you delete the content, except for copies retained in backups or as required by law.

4. Borrowing an item

• Return the item on time, in the condition you received it.
• Use it as intended, and follow any safety instructions the lender gives.
• Tell the lender straight away if something is damaged or lost.
• You are responsible for loss or damage while the item is in your care.

5. Payments, security holds, and fees

Payments are processed by Stripe. When a lender accepts a request, the rental total and Lendumine's service fee are charged to the borrower's card and held until the rental completes. Any security hold is reserved on the same card at that time.

• Service fee — Lendumine charges the borrower a service fee of 10% of the rental amount, added on top of the lender's price. It pays for secure card processing, payment protection, and running the Service. It is shown on the listing and itemised in the total before you send a request, and it is refunded if the rental is declined, cancelled before pickup, or never picked up. Lenders receive their full price.
• Cards — Debit and credit cards are accepted. Prepaid and gift cards are not accepted on Lendumine; a prepaid or gift card you add is removed and cannot be used for a rental or a security hold.
• Security holds — most rentals carry a refundable security hold, decided when the request is sent and shown to the borrower before they send it. A hold is an authorization on the borrower's card, not a charge, and is released when the rental closes. Because card holds expire, a rental with a hold may last at most 5 days.
• When a hold is charged — if an item is not returned by its return date, the lender may report it in the app. If the borrower then neither returns the item nor responds in the app within 48 hours, or the item is still not returned 5 days after the report, the borrower authorizes Lendumine to charge the hold and pay it to the lender. Where the borrower says the item was returned and the lender disagrees, we review the rental record and decide.
• Free rentals — $0 rentals are fully supported and involve no rent or service fee; a security hold may still be reserved.
• Payouts — made to lenders through Stripe, to a connected bank account.

Cancellation, refunds, and disputes are handled case by case. Contact us within 7 days of a rental ending if something went wrong, and we will review the rental record and any evidence both parties provide. Our decision on releasing or charging a security hold is final as between you and us; it does not stop you pursuing the other person directly.

6. Physical goods, not digital content

Everything transacted on Lendumine is a real, physical item handed over in person. Payments are therefore processed outside Apple's in-app purchase system, as Apple's guidelines permit for physical goods and services.

7. Conduct

You agree not to harass, threaten, deceive, or discriminate against other members; not to post illegal, hateful, or sexually explicit content; not to circumvent fees or blocks; not to scrape or reverse-engineer the Service; and not to interfere with its operation. The Community Guidelines form part of these terms. Lendumine has zero tolerance for objectionable content and abusive users: content that breaks these rules is removed, and the accounts that post it are suspended or removed.

8. Reporting and enforcement

Any listing, profile, circle or individual message can be reported from inside the app, using the “⋯” menu beside it. You can also block or mute the other person from the same menu. Reports reach us at safety@lendumine.com, and the person you report is never told who reported them.

What we keep. When you report a message we retain a copy of it, its sender, the time, the circle or chat it was in, and the messages immediately either side of it, so the report remains reviewable even if the original is deleted. The Privacy Policy sets out how that is handled and for how long.

Automated checks. We do not scan conversations that nobody has reported. When a report is submitted, the reported text is checked against a short list of high-risk indicators; that check only affects how urgently a person reviews the report, and never decides on its own that these terms have been broken.

What we may do. We triage reports by severity — urgent safety reports as quickly as practicable, everything else within one business day — and may remove content, restrict features, suspend, or permanently terminate an account that breaks these terms. Serious violations, including credible threats of violence, sexual content involving minors, and fraud, result in immediate and permanent removal. The severity levels and our responses are set out in the Community Guidelines.

Circle admins. A circle admin may remove a message in their own circle, pause its discussion, remove a member, and report content to us. They act as members, not on our behalf: they cannot access private one-to-one conversations, and only we can suspend or terminate an account.

Appeals. If you believe we acted wrongly, email safety@lendumine.com with your username and what happened. We will review it again and reply.

9. Ending your account

You can delete your account at any time from Profile → Settings → Delete account. We may suspend or terminate an account that violates these terms or puts other members at risk. Outstanding rental obligations survive termination.

10. Disclaimers and limitation of liability

The Service is provided “as is” and “as available,” without warranties of any kind to the fullest extent the law allows. We are not liable for the acts or omissions of other members, for injury, loss, or damage arising from an item rented through the Service, or for indirect, incidental, or consequential damages. Where liability cannot be excluded, our total liability to you is limited to the greater of $100 or the platform fees you paid us in the twelve months before the claim arose. Nothing here limits liability that cannot lawfully be limited.

11. Indemnity

You agree to cover our reasonable costs if a claim is brought against us because of your content, your use of the Service, or a rental you took part in.

12. Governing law

These terms are governed by the laws of the State of Wisconsin, United States, without regard to conflict-of-law rules. Disputes will be brought in the state or federal courts located in Wisconsin, unless the law where you live gives you the right to bring the claim locally.

13. Changes

We may update these terms. Material changes will be announced in the app before they take effect, and continuing to use Lendumine after that means you accept them.

14. Contact

General: hello@lendumine.com
Safety, abuse reports and appeals: safety@lendumine.com