Terms of Service

Lendlet is a peer-to-peer rental marketplace operated from Orlando, Florida. We connect people who own things (“lenders”) with people who want to rent them (“renters”). When you create an account, list an item, request a booking, or otherwise use Lendlet, you agree to these Terms of Service (the “Terms”). If you don't agree, please don't use the service.

Lendlet is owned and operated by MergeCreative, LLC, a Florida limited liability company. “Lendlet”, “we”, “us”, and “our” mean MergeCreative, LLC. “You” and “your” mean the person using an account.

Our Privacy Policy and our Cancellation Policy are hereby incorporated into and made a part of these Terms by reference. By accepting these Terms you also accept both policies. If anything in those policies conflicts with these Terms, these Terms control.

• You must be at least 18 years old and a U.S. resident.
• You verify your phone number at signup. Stripe Identity verification is optional at the everyday tier but may be required at risk-edge gates (for example, listings with a security deposit at or above the high-deposit threshold, lender first payout, or items individually flagged by the lender as ID-required).
• One account per person. Keep your login credentials secure.
• You're responsible for the accuracy of the information you give us and for all activity on your account, including activity taken by anyone you allow to access it.
• You agree to keep your contact email current. We use email as the primary channel for notices, including changes to these Terms (see §21 and §22). You bear the risk of an out-of-date or inaccessible email address on file.

You may list items you own or have permission to rent out, provided you:

• describe the item, condition, and any quirks accurately;
• upload representative, recent photos that you own or have the right to use;
• set a fair daily rate and an appropriate security deposit;
• respond to booking requests promptly;
• comply with all federal, state, and local laws applicable to the item and to the rental, including any licensing, registration, tax, or safety requirements.

We may remove listings, restrict accounts, withhold payouts, or take other action at our sole discretion when we reasonably believe a listing or transaction violates these Terms, applicable law, or creates risk for other users or for Lendlet.

The following items may not be listed, rented, or exchanged through Lendlet, regardless of whether the activity would otherwise be legal in your jurisdiction:

• Motor vehicles and conveyances— cars, trucks, motorcycles, mopeds, RVs, trailers, boats, jet skis, aircraft, drones over FAA registration thresholds, e-bikes or scooters that are street-legal, and any other vehicle that requires a driver's license, vessel registration, pilot license, or equivalent authorization to operate on public roads, waterways, or airspace. Peer-to-peer vehicle rentals are subject to specific insurance, registration, and consumer-protection statutes that Lendlet does not provide for.
• Firearms, ammunition, explosives, and weapons, including parts, accessories, and replicas that are regulated.
• Controlled substances, prescription medications, drug paraphernalia, tobacco, vape, and cannabis products of any kind.
• Hazardous, flammable, radioactive, or biohazardous materials.
• Live animals, pets, livestock, insects, or any biological specimens. Lendlet is not a platform for renting, boarding, fostering, breeding, or transferring any living creature.
• Humans, human services, child care, companionship, or labor. You may not list a person, the time of a person, or any service performed by a person as a rentable item.
• Medical devices, including any item the FDA regulates as a prescription device, and any item that requires a clinician to fit, operate, or supervise.
• Counterfeit, stolen, recalled, or rights-infringing items, including items that infringe a third party's copyright, trademark, trade-secret, publicity, or privacy rights.
• Anything else prohibited by applicable federal, state, or local law, or that we identify in posted help-center policies as prohibited.

You are solely responsible for compliance with state and local law as it applies to the item you list or rent — including licensing, registration, age restrictions, sales-tax collection, safety standards, and any landlord, HOA, or building rules that may apply. Lendlet does not pre-screen listings for legal compliance and does not represent that any listing or transaction is lawful in your jurisdiction.

When you request a booking, the price is fixed at the time you book and the renter authorizes payment to their card. The lender then has 24 hours to confirm; if they don't, the request automatically cancels and the authorization is released. Once the lender confirms, payment is captured and a separate authorization (“card hold”) is placed on the renter's card for the listing's security deposit.

Pickup and return both require photo evidence. Before pickup, the renter takes pickup photos to start the rental; before return, return photos to end it. We validate the timestamp and location embedded in those photos.

Lendlet is not a party to the rental contract between lender and renter. We facilitate the transaction, payment, and dispute process, but the underlying agreement to lend and use the item is between the two users.

• Renter service fee: 10% of the rental subtotal, charged at checkout.
• Lender commission:10% of the rental subtotal, deducted from the lender's payout.
• Protection fee:~5% of the subtotal, included in the renter's charge, funds Lendlet's protection program.
• Security deposit (card hold): authorized at confirmation, released on a clean return, or captured up to the resolved claim amount when a claim is filed.
• Payments are processed by Stripe. Payouts to lenders use Stripe Connect on Stripe's standard payout schedule. By using Lendlet, you also agree to Stripe's applicable terms.

Our full Cancellation Policy is incorporated into these Terms by reference. The summary below is not a substitute for the full policy.

Renter cancels:

• 24 hours or more before pickup: full refund.
• Within 24 hours of pickup: no refund of the rental, lender keeps their payout net of commission, and the protection fee is refunded.

Lender cancels:

• The renter receives a full refund, including any protection fee.
• The cancellation counts as a strike on the lender's account. Three strikes within a rolling 90-day window triggers an ops review and may lead to suspension or removal. Declining a request is treated as a strike too.

If an item is returned damaged, late, or not at all, the lender has 72 hours from the end of the rental to file a claim with photo evidence. Lendlet ops reviews each claim and resolves it using the following waterfall:

1. Lendlet's protection program covers eligible amounts.
2. If the claim exceeds the program's coverage, we capture additional funds (up to the resolved amount) from the renter's security deposit card hold.

We do not charge the renter beyond the authorized hold in v1. Lendlet's decision on a claim is final for purposes of releasing funds; renters and lenders retain whatever rights they have outside the platform under applicable law.

After a rental closes, both parties can leave a 5-star rating and a comment. Reviews are blind-revealed once both sides have submitted, or after 14 days, whichever comes first. We don't edit reviews, but we may remove ones that violate these Terms or our content guidelines.

You are solely responsible for determining, collecting, reporting, and remitting any taxes arising from your use of Lendlet — including, without limitation, income tax on amounts earned as a lender, self-employment tax, sales or use tax, lodging or occupancy taxes (if any), and any equivalents under federal, state, or local law. You agree to comply with the tax laws of every jurisdiction in which you operate.

Lendlet may report payments to taxing authorities and issue informational tax forms (for example, IRS Form 1099-K) as required by law, and may withhold amounts where law requires. We do not provide tax advice. The fees we charge are exclusive of taxes unless we state otherwise in writing; if any tax authority requires us to collect tax on our fees, we may add it to your charges.

Your content.“User Content” means anything you submit, upload, post, transmit, or display through Lendlet, including listing text, photos, messages, reviews, pickup/return/claim photos, profile information, and feedback.

License you grant to Lendlet. You hereby grant MergeCreative, LLC a worldwide, non-exclusive, royalty-free, fully paid-up, sublicensable, transferable, and irrevocable license to host, store, reproduce, modify, create derivative works of, publicly display, publicly perform, distribute, and otherwise use your User Content for any purpose related to operating, providing, improving, promoting, and marketing Lendlet and our services, in any media now known or later developed. This license survives termination of your account for User Content we have already received. You will not be entitled to any compensation, royalty, attribution, or accounting for our exercise of this license.

Your representations. You represent and warrant that (a) you own, or have all necessary rights, consents, and permissions to submit, all User Content you provide, and to grant the license above; (b) your User Content does not infringe, misappropriate, or violate any patent, copyright, trademark, trade-secret, publicity, privacy, or other right of any person or entity; (c) your User Content does not violate any law or these Terms; and (d) you have obtained any consent required from people identifiable in your User Content. You agree not to post or upload any material that you do not own or do not have the rights to share.

Our intellectual property. Lendlet, the lendlet.co domain, our logos, mascot, product names, designs, software, and the look and feel of the service are owned by MergeCreative, LLC or our licensors and are protected by intellectual-property law. Nothing in these Terms grants you a license to our trademarks, copyrights, or other proprietary rights, except the limited right to access and use the service as described here.

Feedback. If you send us feedback, suggestions, or ideas about Lendlet, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use them for any purpose, without obligation to you.

Lendlet operates as an online service provider under the Digital Millennium Copyright Act, 17 U.S.C. § 512 (the “DMCA”). If you believe in good faith that material on Lendlet infringes your copyright, send a written notice to our Designated Agent that includes:

1. a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
2. identification of the copyrighted work claimed to be infringed;
3. identification of the material that is claimed to be infringing, with information reasonably sufficient for us to locate it (for example, a URL on lendlet.co);
4. your name, mailing address, telephone number, and email;
5. a statement that you have a good-faith belief that use of the material is not authorized by the copyright owner, its agent, or the law; and
6. a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

Designated Agent: MergeCreative, LLC — Attn: DMCA Agent, by email to dmca@lendlet.co, or by mail to MergeCreative, LLC, Orlando, FL (mailing address available on request to legal@lendlet.co).

We will respond to valid notices consistent with the DMCA, including by removing or disabling access to the material and notifying the user who posted it. Users who repeatedly infringe will have their accounts terminated. If you believe your material was removed in error, you may submit a counter-notice that complies with 17 U.S.C. § 512(g). Knowingly submitting a false notice or counter-notice may expose you to liability under § 512(f).

Lendlet may contain links to, or integrate with, third-party websites, applications, or services (for example, Stripe, our email and analytics vendors, or external sites that users link to). We do not own, operate, or control those third-party sites and services, and we are not responsible for their content, availability, accuracy, security, privacy practices, or any transaction you enter into with them. Your use of any third-party site or service is at your own risk and is governed by that third party's own terms and privacy policy. The presence of a link or integration is not an endorsement. You are responsible for reviewing the terms and policies of any third-party service before using it.

How we handle personal data is described in our Privacy Policy, which is incorporated into these Terms by reference. Briefly: your exact pickup address is only shared with a renter once their booking is confirmed, and listing photos have location data stripped before they're displayed publicly.

While using Lendlet you agree not to:

• violate any law or someone else's rights;
• transact off-platform to avoid fees, deposits, or our protection program;
• use scraping, automation, or bots to access the service in ways we haven't authorized;
• harass, threaten, stalk, defame, or discriminate against other users, or interfere with the service's normal operation;
• upload malware, attempt to access systems or data you're not authorized to access, or probe, scan, or test the vulnerability of the service without our written permission;
• circumvent any access, security, or content-moderation feature; or
• use Lendlet to launder money, finance terrorism, or evade sanctions.

TO THE FULLEST EXTENT PERMITTED BY LAW, LENDLET AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, ANY ITEM LISTED OR RENTED ON THE SERVICE, OR ANY INTERACTION WITH ANOTHER USER, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

LENDLET'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO LENDLET IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) US $100.

Nothing in these Terms limits liability that cannot be limited under applicable law.

You agree to defend, indemnify, and hold harmless MergeCreative, LLC and our officers, directors, employees, agents, contractors, licensors, and affiliates (collectively, the “Lendlet Parties”) from and against any and all claims, demands, actions, investigations, liabilities, losses, damages, judgments, settlements, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• your access to or use of the service;
• any User Content you submit, post, upload, or transmit, and any violation of a third party's rights by your User Content;
• any item you list, rent, lend, borrow, transport, use, or store in connection with Lendlet, including any personal injury, property damage, theft, loss, or other harm involving that item;
• any transaction, communication, dispute, or interaction between you and another user (including any claim, dispute, or disagreement between users arising in connection with a Lendlet transaction);
• your breach of these Terms, the Privacy Policy, the Cancellation Policy, or any representation, warranty, or covenant you make to us;
• your violation of any law or regulation, including without limitation any law governing the rental, transportation, operation, storage, registration, licensing, or insurance of any item (for example, motor-vehicle laws if you nonetheless attempt to use Lendlet for a prohibited vehicle rental — Lendlet bears no responsibility for prohibited use, and you bear sole responsibility, including any statutory penalties); and
• your violation of any third-party right, including any intellectual-property, privacy, publicity, or property right.

We may, at our option, assume the exclusive defense and control of any matter subject to indemnification by you, in which case you will cooperate with us. You will not settle any matter that affects us without our prior written consent. This indemnification obligation survives termination of these Terms and your use of the service.

Informal notice and opportunity to cure. Before filing a lawsuit against Lendlet, you agree to first send written notice of the dispute to us by email at legal@lendlet.co, with a copy by mail to MergeCreative, LLC, Attn: Legal, Orlando, FL (mailing address available on request). Your notice must include: (a) your name, account email, and mailing address; (b) a description of the dispute and the relief you are seeking; and (c) any documents supporting your claim. We will do the same if we have a dispute with you, using the email address on file for your account. The parties agree to use good-faith efforts to resolve the dispute for thirty (30) days after the notice is received.

Mediation. If the dispute is not resolved within that 30-day period, the parties agree to submit the dispute to non-binding mediation before commencing litigation. The mediation will take place in Orange County, Florida, before a mutually acceptable mediator (or, if the parties cannot agree on one, a mediator appointed by the American Arbitration Association under its mediation procedures). The parties will split the mediator's fees and any administrative costs of the mediation equally.Each party bears its own attorneys' fees and costs.

Courts. If the dispute is not resolved through mediation within sixty (60) days of the mediation request, either party may bring the dispute in the state or federal courts located in Orange County, Florida, and the parties consent to the exclusive jurisdiction and venue of those courts. The pre-suit notice and mediation requirements above do not prevent either party from seeking injunctive or other equitable relief in court to protect intellectual property or confidential information, or from bringing an individual claim in small-claims court.

No class actions. To the fullest extent permitted by law, the parties agree to bring claims only in their individual capacities and not as a plaintiff or class member in a class, consolidated, or representative action.

By you. You may close your account at any time from Settings or by emailing help@lendlet.co. You remain responsible for any obligations that accrued before closure, including completing or cancelling active bookings, paying any amounts owed, and resolving any open claims.

By us. We may suspend, restrict, limit, or terminate your access to the service, any feature of the service, or any account, at any time, with or without notice, with or without cause, and in our sole and complete discretion, for any reason or no reason. Reasons may include, without limitation, suspected violation of these Terms, suspected fraud or illegal activity, requests by law enforcement or other government authority, risk to other users, extended inactivity, unforeseen technical or security issues, our inability to verify your identity, or our decision to discontinue the service or a feature of it.

Effect of termination. Upon termination, your right to access the service ends. Sections that by their nature should survive — including §10 (Taxes), §11 (User Content & Intellectual Property), §13 (Third-Party Links), §16 (Disclaimer of Warranties), §17 (Limitation of Liability), §18 (Indemnification), §19 (Dispute Resolution), §22 (Governing Law), and §24 (Miscellaneous) — will survive.

Notices to you. Where these Terms or applicable law require us to give you notice, we may do so by email to the address on file for your account, by in-product notice (for example, a banner or modal), by posting on lendlet.co, or by any other reasonable means. Email notices are deemed received when sent.

Your obligation to maintain a working email. You are responsible for keeping your contact email current and accessible, and for monitoring it for notices from us, including transactional notices, claim notices, and notices of changes to these Terms or to our other policies. We are not responsible for your failure to receive a notice because your email is out of date, full, blocked, filtered, or otherwise inaccessible. You can update your email from Settings.

Notices to us. Notices to Lendlet under these Terms must be sent to legal@lendlet.co (with a copy of any formal legal notice to MergeCreative, LLC, Attn: Legal, Orlando, FL — mailing address on request). Support and general inquiries go to help@lendlet.co. Copyright notices go to dmca@lendlet.co (see §12).

We may update these Terms as the product changes. When we do, we will update the “last updated” date above. For material changes we will give you reasonable advance notice by email to the address on file for your account or by in-product notice before the change takes effect. It is your responsibility to keep that email address current and to monitor it (see §21). Your continued use of the service on or after the effective date of the updated Terms means you accept them. If you do not accept the updated Terms, you must stop using the service and close your account before the effective date.

These Terms, and any dispute arising out of or related to them or to the service, are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Subject to §19 (Dispute Resolution), the exclusive venue for disputes is the state and federal courts located in Orange County, Florida.

• Entire agreement. These Terms, together with the Privacy Policy and the Cancellation Policy (each incorporated by reference), are the entire agreement between you and Lendlet about the service and supersede any prior agreement or understanding on that subject.
• No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
• Severability. If a provision of these Terms is held invalid or unenforceable, the rest will remain in full force.
• Assignment. You may not assign these Terms or transfer your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets, or by operation of law.
• Independent contractors. No agency, partnership, joint venture, or employment relationship is created between you and Lendlet by these Terms or by your use of the service.
• Force majeure. Neither party is liable for any failure or delay caused by events beyond its reasonable control, including acts of God, natural disasters, hurricanes, pandemics, labor disputes, governmental action, or failures of third-party providers.
• Headings. Section headings are for convenience only and do not affect interpretation.
• Electronic communications & signatures.You consent to receive communications from us electronically, and you agree that electronic acceptance of these Terms (including by clicking “I agree”, creating an account, or continuing to use the service) has the same legal effect as a handwritten signature.

Questions? Reach us at help@lendlet.co for support, legal@lendlet.co for legal notices, or dmca@lendlet.co for copyright complaints.