Terms of service

Draft: this text is waiting for legal review and may change before it takes effect.

Effective 2026-12-01

The service

Lend Chief ("we", "us") provide Lend Chief, a hosted loan-management service. Each subscriber gets their own private workspace. By creating a workspace you agree to these terms on behalf of your business, and confirm you are allowed to do so.

Free trial

A new workspace starts with a 14-day free trial. No card is needed to start. Each email address can start one trial. If no payment method is set up by the end of the trial, the workspace is suspended until one is.

Price and billing

The subscription costs $35 per month, or ₹3,000 per month (including taxes) for businesses in India. The price you sign up at stays the same until we tell you in advance that it will change. Invoices are issued monthly and paid online through our payment provider; we never see or store your card details.

Failed payments

If a payment fails, your workspace keeps working normally for 10 days while you pay. If it is still unpaid after that, the workspace is suspended: nobody can sign in, and your data is kept. Paying restores access.

No refunds

Subscription fees are non-refundable, including for a partly used month, except where the law requires otherwise. You can cancel at any time; access continues to the end of the period you paid for.

Your data

The loan, customer and staff data in your workspace belongs to you, and you are responsible for having the right to hold it and for how you use it. While a workspace is suspended we keep its data for up to 365 days from the day it was suspended, then delete it permanently. You can ask for an export before then. Details are in the privacy policy.

Acceptable use

You must not use the service for anything unlawful, to attack or probe the service or other workspaces, or to send messages people have not agreed to receive. We may suspend a workspace that puts the service or other subscribers at risk.

Availability and liability

We work to keep the service running but do not promise it will be uninterrupted or error-free. To the extent the law allows, our total liability for any claim is limited to the fees you paid in the three months before the claim, and we are not liable for indirect or lost-profit losses.

Changes and governing law

We may update these terms; the effective date above shows the current version, and we will tell you about material changes by email. These terms are governed by the laws of India.

Contact

Lend Chief, Chennai, India. Email: legal@lendchief.app.