Terms of Use
Last updated: [DATE]
These Terms of Use (“Terms”) govern your access to and use of the website at crowdlender.ai and the investor platform at app.crowdlender.ai (together, the “Platform”), operated by Crowdlender AI, LLC (“Crowdlender,” “we,” “us,” or “our”). By accessing or using the Platform, you agree to these Terms. If you do not agree, do not use the Platform.
1. Eligibility
The Platform is intended solely for “accredited investors” as defined in Rule 501 of Regulation D under the Securities Act of 1933, and for offerings conducted under Regulation D, Rule 506(c). You must be at least 18 years old and legally able to enter into binding contracts. By using the Platform, you represent that you meet these requirements and that the information you provide is accurate. Access to specific offerings is conditioned on successful identity verification (KYC) and verification of accredited-investor status.
2. Account Registration
You must register an account and complete identity and accreditation verification to access offerings. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You agree to provide accurate, current, and complete information and to keep it updated. We may suspend or terminate accounts that violate these Terms or applicable law.
3. Nature of the Platform; No Advice
Crowdlender provides a technology platform that enables verified, accredited investors to review and participate in private investment offerings. Crowdlender is not a broker-dealer, investment adviser, exchange, or bank, and does not provide investment, legal, tax, or accounting advice. Nothing on the Platform is a recommendation to invest in any security. You are solely responsible for your own investment decisions and should consult your own professional advisors.
4. Investment Risks
Investments offered through the Platform are private securities and involve a high degree of risk, including the possible loss of your entire investment. Such investments are illiquid, are not publicly traded, may not be transferable, and have no guaranteed returns. Any projections, target returns, or forward-looking statements are estimates only and are not guarantees of future performance. You should review the offering documents, including any private placement memorandum, in full before investing, and invest only amounts you can afford to lose.
5. Offerings and Third Parties
Offerings are made by issuing entities and their sponsors, not by Crowdlender. Crowdlender does not guarantee the performance, accuracy, or completeness of any offering, sponsor, or third-party information. Your investment is a contractual relationship governed by the applicable offering documents, which control in the event of any conflict with Platform summaries.
6. Acceptable Use
You agree not to: use the Platform for any unlawful purpose; misrepresent your identity, residency, or accreditation status; attempt to gain unauthorized access to the Platform or other users’ data; interfere with the Platform’s operation or security; upload malicious code; scrape or harvest data; or use the Platform to facilitate money laundering or other prohibited activity.
7. Intellectual Property
The Platform and its content, including text, design, logos, and software, are owned by or licensed to Crowdlender and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written permission, except as necessary for your permitted use of the Platform.
8. Third-Party Services
The Platform relies on third-party providers for identity verification, authentication, bank verification, payments, hosting, and communications. Your use of those services may be subject to their own terms and privacy policies. We are not responsible for third-party services or content.
9. Disclaimers
The Platform is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted, secure, or error-free.
10. Limitation of Liability
To the maximum extent permitted by law, Crowdlender and its officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or investment, arising from or related to your use of the Platform. Our aggregate liability for any claim relating to the Platform will not exceed the fees, if any, you paid to Crowdlender for use of the Platform in the twelve months preceding the claim. Nothing in these Terms limits liability that cannot be limited under applicable law.
11. Indemnification
You agree to indemnify and hold harmless Crowdlender and its officers, members, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the Platform, your violation of these Terms, or your violation of any law or third-party right.
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of California and applicable United States federal law, without regard to conflict-of-laws principles. The exclusive venue for any dispute arising under these Terms will be the state and federal courts located in California, and you consent to the personal jurisdiction of those courts, except where applicable law provides otherwise.
13. Changes to These Terms
We may modify these Terms from time to time. Material changes will be posted on this page with a revised “Last updated” date. Your continued use of the Platform after changes take effect constitutes acceptance of the revised Terms.
14. Contact
Questions about these Terms may be directed to:
Crowdlender AI, LLC Email: [email protected]