Lendra
These Terms of Service ("Terms") govern your use of Lendra, a local-first loan management application for private lenders. By installing, hosting, or using Lendra, you agree to these Terms.
1. The application
Lendra manages borrowers, loans, repayments, penalties, and investments for a private lending business, storing all data in a local SQLite database. It ships as a native desktop app, with the same codebase also able to run self-hosted as a web app.
2. Your workspace and data
Your borrowers, loans, payment history, and uploaded documents are stored locally in a workspace you control, on infrastructure you operate. You are responsible for backing up your workspace and for the security of your own device or server.
3. Not financial or legal advice
Lendra is record-keeping and workflow software. It does not provide financial, legal, or regulatory advice. You are responsible for ensuring your lending activity, interest rates, and penalty terms comply with the laws applicable to your jurisdiction.
4. Lending risk is yours alone
Lendra helps you track loans, penalties, and repayment history; it does not assess borrower creditworthiness, guarantee repayment, or provide any assurance that a borrower will pay as agreed. Default and non-payment are real, common risks in private lending, including informal lending arrangements. You are solely responsible for your own lending decisions, borrower vetting, and collection efforts, and you accept all risk of loss arising from a borrower's non-payment or default. Lend only what you can afford to lose.
5. Acceptable use
- Do not use Lendra to store or process data you do not have the right to hold.
- Do not attempt to reverse engineer, resell, or sublicense the application without authorization.
- Do not use Lendra in a way that violates applicable law.
6. Disclaimer of warranty
Lendra is provided "as is," without warranties of any kind. Calculated figures such as penalties, interest, and portfolio totals are only as accurate as the data you enter, and you are responsible for verifying them before relying on them for a business decision.
7. Limitation of liability
To the maximum extent permitted by law, Lendra and its creator are not liable for any indirect, incidental, or consequential damages arising from use of the application, including losses resulting from data entry errors, hardware failure, a borrower's non-payment, or loss of an unbacked-up workspace.
8. Independent project
Lendra is built and maintained independently. There is no dedicated support team or service-level agreement; support is provided on a best-effort basis through the contact channel below.
9. Changes to these Terms
These Terms may be updated from time to time. Continued use of the application after changes take effect constitutes acceptance of the revised Terms. Material changes will be reflected by updating the "Last updated" date above.
10. Contact
Questions about these Terms can be directed to the creator via email.