These Terms govern your use of Borrowly. By using the app, you agree to them. If you do not agree, do not use Borrowly.

What Borrowly is

Borrowly is a personal lending tracker for items and money. It helps you record who has what, follow up with reminders, and track balances. It is not a bank, payment processor, debt collector, or law firm.

Your responsibilities

No professional advice

Borrowly does not provide legal, tax, accounting, or financial advice. Loan records in the app are for your convenience and may not be complete evidence of an agreement.

SMS and communications

Draft messages open in Apple Messages. You are responsible for the content you send and for complying with applicable messaging laws.

AI features

AI suggestions may be inaccurate or incomplete. You are responsible for reviewing and correcting any suggested details before saving a loan.

Availability

We aim for a reliable experience but do not guarantee uninterrupted service. Features may change as Borrowly improves.

Disclaimer of warranties

Borrowly is provided “as is” and “as available” without warranties of any kind, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Borrowly and its creators are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill, arising from your use of the app.

Termination

You may stop using Borrowly at any time. We may suspend or discontinue the app or features with or without notice.

Changes to these Terms

We may update these Terms. Continued use after changes means you accept the updated Terms.

Contact

Questions: useborrowly@gmail.com