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Terms of Service

Last updated: April 24, 2026

Review note. These Terms have been drafted as a reasonable starting point for a solo-operator digital-goods business. Please have a qualified lawyer in your jurisdiction review before publishing. This is not legal advice.

1. About these terms

These Terms of Service ("Terms") govern your use of the website at lendwithai.com ("the Site") and any digital products, courses, newsletters, or services offered through it ("Products"), collectively referred to as the "Services." The Site and its Products are operated by the LendWithAI team ("we", "us", "LendWithAI").

By using the Site or purchasing a Product, you agree to these Terms. If you do not agree, do not use the Services.

2. Who you need to be

You must be at least 18 years old and legally able to enter into binding contracts under the laws of your jurisdiction to purchase any Product. The Services are intended for professional and business use.

3. Purchases and payment

Products are sold via Payhip, which acts as Merchant of Record for certain regions (e.g., EU and UK VAT). Payhip processes payments and handles applicable consumer taxes where it serves as Merchant of Record. All prices are listed in US Dollars unless otherwise specified. You authorise Payhip to charge your selected payment method for the purchase amount plus any applicable taxes.

4. Delivery of digital products

Digital products are delivered electronically via Payhip immediately after payment is confirmed (typically within minutes). Delivery of course content may be staggered per the drip schedule specified on the relevant Product page. Pre-order products are delivered on the launch date stated at the time of pre-order.

5. Licence to use Products

When you purchase a Product, you receive a non-exclusive, non-transferable, non-sublicensable licence to use the Product for:

  • Your personal use; and
  • The internal business operations of your company or team, up to 25 seats per purchased licence unless a larger licence is purchased separately.

You may not:

  • Resell, rebrand, or redistribute the Product as your own, in whole or in substantial part.
  • Incorporate the Product into a competing product for sale.
  • Publish Product content on the public internet where it replaces the need to purchase it.

You may:

  • Adapt the Product for your own internal workflows, including editing prompts, scorecards, and templates to fit your operations.
  • Quote short excerpts (one prompt, one section) with attribution and a link back to lendwithai.com.
  • Reference concepts, frameworks, or methodologies learned from the Product in your own work (ideas are not proprietary; specific text is).

6. Refunds

LendWithAI offers a 14-day refund window from the date of purchase for most Products. To request a refund, email [email protected] with your Payhip receipt number within 14 days. Refunds are processed back to the original payment method within 5–10 business days.

Exceptions to the 14-day refund policy:

  • Courses (Tier 6): Refundable within 14 days. After Lesson 4 has unlocked (day 7+), refund is at our discretion given that substantial course content has been delivered.
  • Business OS (Tier 7): Refundable within 14 days of delivery (i.e., within 14 days of the launch date for pre-orders, not the pre-order date). Once the Notion workspace duplication access has been granted, no refund is possible because the workspace cannot be un-copied.

7. Content on the Site — editorial policy

Blog content, newsletter content, and free tools published on the Site are provided for informational purposes. Content is AI-assisted and human-edited; the editorial standards we follow are described on the About page.

8. Not legal, tax, or financial advice

Nothing on the Site or in any Product constitutes legal, tax, regulatory, accounting, or financial advice. Lending is a regulated activity; you are responsible for ensuring your activities comply with applicable laws and regulations in your jurisdiction. Always seek advice from qualified professionals before making decisions based on content from the Site or a Product.

9. Intellectual property

All content on the Site and in Products, including text, graphics, prompts, templates, and code, is the property of LendWithAI or is used with permission. Trademarks and brand elements belong to their respective owners.

10. Third-party links and affiliates

The Site may contain links to third-party websites, tools, or services. Where we have an affiliate relationship with a linked party, the link is marked inline and in our Affiliate Disclosure. We are not responsible for third-party content or privacy practices.

11. Warranties and disclaimers

The Services are provided "as is" and "as available." To the maximum extent permitted by applicable law, we disclaim all warranties, express or implied, including fitness for a particular purpose, merchantability, and non-infringement.

We do not guarantee that Products will produce any particular outcome in your lending operations, nor do we warrant that third-party AI models referenced in Products will continue to behave as described as those models evolve.

12. Limitation of liability

To the maximum extent permitted by applicable law, LendWithAI's aggregate liability arising from or relating to the Services shall not exceed the amount you paid for the Product giving rise to the claim, or US$100, whichever is greater. We are not liable for indirect, incidental, consequential, or punitive damages.

13. Indemnification

You agree to indemnify and hold LendWithAI harmless from claims arising out of your violation of these Terms, your misuse of a Product, or your lending activities based on content from the Services.

14. Termination

We may terminate your access to the Services if you materially breach these Terms. Termination does not relieve you of obligations accrued prior to termination. Product licences purchased before termination remain valid unless the breach directly concerns Product misuse (e.g., resale).

15. Governing law

These Terms are governed by the laws of India, without regard to conflict-of-law principles. Any dispute shall be subject to the exclusive jurisdiction of the courts of Bengaluru, India.

16. Changes to these Terms

We may update these Terms periodically. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be notified via the newsletter or by email where you have a customer relationship with us. Continued use of the Services after an update constitutes acceptance.

17. Contact

Questions: [email protected].