Terms & Conditions

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Effective Date: August 20 2025
Owner: LendSteady LLC (“LendSteady,” “we,” “our,” “us”)
Website & Service: LendSteady.com and the LendSteady web application (collectively, the “Service”).
Contact: admin@lendsteady.com

1) What We Do

LendSteady provides software and administrative tools that help parties to owner-financed real estate organize schedules, track payments, send reminders, and generate records. We are not a lender, bank, broker, servicer of record, escrow agent, or money transmitter. Payments are processed by third-party processors (e.g., Stripe).

2) Acceptance of These Terms

By creating an account, accessing, or using the Service, you agree to these Terms. If you use the Service on behalf of an entity, you represent you’re authorized to bind that entity.

3) Eligibility & Accounts

You must be at least 18 and legally able to enter into contracts. You’re responsible for maintaining account security and for all activity under your account.

4) Subscriptions, Fees, and Taxes

We may charge subscription or per-loan fees (displayed at checkout or in your account). If applicable, processing or “convenience” fees may be charged to the payor. Prices may change; we’ll notify you in advance when required. You’re responsible for any taxes.

5) Payments (Third-Party Processors)

All payments are processed by third parties (e.g., Stripe). We do not collect or store card or bank details. Your use of payment features is subject to the processor’s terms and policies.

6) Refunds & Cancellations

All payments to LendSteady LLC are final and non-refundable once processed, except where state law requires otherwise.

  • Customers on a monthly plan will not receive prorated refunds if they cancel mid-month.
  • Customers on an annual plan who cancel in states requiring refunds will forfeit any discounts and will be charged at the regular monthly rate for services already rendered. Any remaining eligible balance will be refunded at that rate.
  • No personal data or records are stored after cancellation. Customers who return must create a new account.

7) User Obligations & Compliance

You are solely responsible for:

  • Accuracy of all information you enter (loan terms, balances, notices, etc.).
  • Legal compliance with applicable laws (e.g., lending, servicing, disclosure, notices, fees, usury, fair housing, debt collection, credit reporting, tax reporting).
  • Obtaining any consents required from counterparties.
    We do not provide legal, tax, or financial advice.

8) Prohibited Uses

You agree not to: (a) use the Service to violate law; (b) misrepresent data or identities; (c) attempt to bypass security; (d) reverse engineer or scrape non-public areas; (e) infringe IP; (f) upload malware; (g) use the Service for regulated money transmission, lending, or servicing activities where a license is required unless you hold such license and comply with all obligations.

9) Data & Privacy

We practice data minimization and route payments through processors. See our Privacy Policy for details. Upon cancellation, we delete your data (subject to legal retention requirements).

10) Intellectual Property

The Service, software, and content are owned by LendSteady or its licensors. You receive a limited, revocable, non-transferable license to use the Service for your internal business purposes.

11) Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES (EXPRESS OR IMPLIED), INCLUDING FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE OR UNINTERRUPTED.

12) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDSTEADY AND ITS AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COVER, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS/REVENUE/GOODWILL/OR DATA. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNTS YOU PAID TO US IN THE 3 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

13) Indemnification

You will defend, indemnify, and hold harmless LendSteady and its affiliates from claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your (a) use of the Service, (b) breach of these Terms, (c) violation of law or third-party rights, or (d) content you submit.

14) Termination

We may suspend or terminate access for any violation of these Terms or for risk/compliance reasons. You may terminate by canceling your account.

15) Changes

We may update these Terms. Material changes will be posted with a new effective date. Continued use after changes constitutes acceptance.

16) Governing Law & Dispute Resolution

These Terms are governed by the laws of Wyoming, without regard to conflicts of law. Arbitration: Any dispute will be resolved by binding arbitration on an individual basis in, or virtually from, Sheridan County, Wyoming, and not as a class action. You and LendSteady waive jury trial. You may seek injunctive relief in court to protect IP or confidentiality.

17) Contact

LendSteady LLC, Sheridan, WY • admin@lendsteady.com