1. What LendRight is
LendRight, operated by RULE8 Inc., is self-help document automation: it assembles a private loan agreement from the answers you give, lets both parties sign electronically, and seals the result with a verification certificate. LendRight is not a law firm or a firm of solicitors, does not give legal, tax or financial advice, and no solicitor–client relationship is created. LendRight is not a lender or credit broker, never handles the loan money, and is not authorised or regulated by the Financial Conduct Authority; the service is designed for private, one-off loans between individuals, which are not regulated credit agreements.
2. Who may use it
You must be at least 18 and have capacity to contract. The UK edition creates agreements governed by the law of England and Wales for parties resident in England or Wales; the builder will tell you if your situation isn’t supported.
3. Price, payment and cancellation
Drafting is free. A one-time fee of £24.99 (the total price you pay) applies when an agreement is sent for signing, payable by the party you choose, processed by Stripe. Because the document is supplied immediately, checkout asks for your express consent to immediate supply and your acknowledgment that the 14-day right to cancel is lost once supply begins (Consumer Contracts Regulations 2013, reg. 37). Your rights in respect of faulty digital content under the Consumer Rights Act 2015 are unaffected. See the refunds & cancellation policy.
4. Your responsibilities
You are responsible for the accuracy of the information you enter, for ensuring you have the other party’s consent to enter their details, and for deciding whether the document suits your situation. The agreement’s enforceability depends on facts we cannot verify — capacity, intention, the truth of the answers given.
5. What we promise — and the limits
We will provide the service with reasonable care and skill (Consumer Rights Act 2015). Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be excluded. Subject to that, our total liability arising from the service is limited to the fees you paid us in the 12 months before the claim, and we are not liable for the other party’s failure to repay, for losses from inaccurate information you provided, or for indirect losses.
6. The signed record
When both parties sign, the agreement is sealed and a Certificate of Completion is issued. Because the other party relies on that record, sealed agreements and their evidence cannot be edited or deleted on request — see the privacy policy for how long we keep them and your data rights.
7. Governing law
These terms, and any dispute arising from the service, are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction — though as a consumer you keep any protections the law gives you that cannot be varied by contract. Complaints first: our complaints process.