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.
Personal, non-business lending only. LendRight is for individuals documenting personal loans between family and friends. By using it you confirm you are not a Habitual Lender — someone who lends money by way of business, or whose lending (judged by its frequency, volume, regularity, advertising or profit-seeking purpose) amounts to carrying on a consumer-credit business or would require authorisation under the Financial Services and Markets Act 2000 or the Consumer Credit Act 1974. Repeatedly lending to people outside your family and close friends, lending as a source of income, or holding yourself out as willing to lend are all indicators. We may decline or cancel agreements that appear to involve habitual lending; if that’s you, you need regulated-lending advice rather than this tool.
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. From time to time we may offer coupon or discount codes: one code may be used per transaction, codes cannot be combined, have no cash value, may be changed, withdrawn, or expired at any time, and we may void codes obtained or used through misuse, automation, or fraud. Nothing in this paragraph affects your statutory rights.
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.
Accuracy and your duty to review the final document. You confirm that all information you enter is provided honestly and to the best of your knowledge. LendRight builds your document from the information you (and, where applicable, the other party) supply. To the fullest extent permitted by law, LendRight accepts no responsibility or liability for errors in a document that result from information being entered incorrectly or incompletely, or from a software, calculation, formatting, or printing error. You agree to carefully check the complete final document yourself — every name, address, date, amount, rate, and term — before signing it, and not to sign if anything is inaccurate. If you find any error or inconsistency, you agree to report it to us promptly at doit@trylendright.com so it can be corrected before the agreement is signed. Nothing in this paragraph limits your statutory rights or excludes liability that cannot be excluded by law.
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.