Legal
Privacy policy
Effective [effective date — set at launch]
Loan'R is a peer-to-peer rental marketplace that lets neighbors rent items from each other. It is operated by [Loan'R legal entity — pending from Samuel] ("Loan'R", "we", "us"). This Privacy Policy explains what we collect when you use the Loan'R website, the Loan'R iOS and Android apps and related services (together, the "Service"), how we use and share it, how long we keep it, and the choices you have.
By using the Service you acknowledge this policy. It should be read together with our Terms of service.
Contents
1. Information we collect
Information you give us
- Account information — your name, email address and password. Passwords are stored only as a one-way salted hash; we cannot see them. Your phone number is optional.
- Profile information — profile photo, short bio and city or neighborhood, plus the ratings and reviews you give and receive after a rental.
- Listings and photos — for owners: item title, description, category, condition, hourly or daily prices, replacement value, availability, pickup notes, delivery options and the photos you upload. Photo files can carry embedded data (such as where the photo was taken); please avoid photographing people, documents or anything that identifies your home more precisely than you intend.
- Pickup location — the address and map position where an owner hands over an item. See "How location is shared" below.
- Bookings and activity — rental dates and times, prices and fees, messages you add to a request, extension requests, cancellations, late returns, refund requests, damage claims and the evidence (photos, descriptions, amounts) submitted with them.
- Identity verification — for items whose replacement value is above the card-hold limit, we may ask you to verify your identity before the booking is approved. We record that you were verified and when.
- Support communications — what you send us by email or through support, and our replies.
Information collected automatically
- Device and usage information — device type and model, operating system, app version, browser type, IP address, language, time zone, pages and screens viewed, and timestamps, collected in server logs to run, secure and troubleshoot the Service.
- Push notification tokens — if you allow notifications, your device gives us a push token so we can send booking updates when the app is closed. The token identifies the app install, not you personally, and is deleted when you sign out on that device or delete your account.
- Device location (optional) — if you grant location permission in the app, we use your device location to show items near you and to help owners place a pickup pin. You can decline and type a city or address instead. We do not track your location in the background.
- Local storage — the website keeps your sign-in session in your browser's local storage. We do not use advertising cookies or cross-site trackers.
Information from payment providers
- Payments are processed by Stripe. When you pay for a rental, a deposit hold or an owner membership, you enter your card details directly into Stripe's secure fields. Loan'R never receives or stores your full card number or security code. We receive and keep Stripe references (customer, payment and payout IDs), payment status, amount, and limited card details Stripe returns such as brand and last four digits.
- Owner payouts use Stripe Connect. Stripe collects the identity, tax and bank information it needs to pay you, under Stripe's own privacy policy. We receive the status of your payout account (for example, whether payouts are enabled) but not your full bank account number.
2. How location is shared
Location is the most sensitive information on a rental marketplace, so we handle it in two tiers:
- Approximate location is public. Search results and listing pages show only an approximate area (such as the neighborhood or a rounded map position) and an approximate distance. The exact address and map pin are never included in search, listing pages or public profiles.
- Precise pickup location is private. The exact pickup address, map position and pickup notes are shared only with a renter whose booking for that item has been paid (confirmed by our payment processor), and only for that booking. The owner always sees their own pickup address, and authorized Loan'R administrators may access it to provide support, investigate a claim or keep people safe.
3. How we use information
- Create and secure your account, verify your email and let you sign in.
- Show listings, run search, calculate prices and fees, take payments and deposit holds, and pay owners.
- Send booking updates, reminders and account messages by email and push notification.
- Review high-value bookings, refund requests and damage claims.
- Suggest a replacement value for a listing when an owner asks (see "Service providers" below).
- Show two-way ratings and reviews so neighbors can rent with confidence.
- Detect, prevent and investigate fraud, abuse, safety issues and violations of our Terms.
- Keep financial records and meet legal, tax and accounting obligations.
- Improve and troubleshoot the Service.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising or use it for profiling that produces legal or similarly significant effects.
5. How long we keep information
- Account and profile information — kept while your account is open, and deleted or de-identified when you delete your account (see section 6).
- Listings and photos — kept while the listing exists. Archived and deleted listings' photos are removed when your account is deleted.
- Push tokens — deleted when you sign out on that device, when the token stops working, or when you delete your account.
- Booking, payment, refund, payout and claim records — kept for as long as needed to meet tax, accounting and legal obligations and to handle disputes, which is generally [7 years — counsel to confirm] after the transaction, even if you delete your account. These records are kept in a restricted form.
- Server logs — kept for up to [90 days — confirm] unless needed to investigate a security incident.
- Backups — deleted information may remain in encrypted backups until they are overwritten, typically within [35 days — confirm].
6. Deleting your account
You can delete your account at any time in the app or on the website under Account → Delete account. You do not need to contact us.
- If you have a rental in progress, an unpaid balance, an open damage claim or a payout still owed to you, we will ask you to resolve it first so nobody is left without their item or their money.
- When you delete your account we sign you out everywhere, remove your profile, contact details, photos, active listings and push tokens, and cancel any owner membership so you are not billed again.
- Reviews you wrote may remain visible without your name so other users' rating histories stay accurate.
- We keep the transaction records described in section 5 for the legally required period.
If you cannot access your account, email [support email] from the address on the account and we will help you delete it.
7. Your choices and rights
- Access and correct — view and edit your profile and listings in the app at any time.
- Delete — delete your account in the app (section 6).
- Notifications — turn push notifications off in your device settings. Transactional emails about bookings and payments are part of the Service and cannot be switched off while you have active bookings.
- Location — grant or revoke location permission in your device settings at any time.
Depending on where you live, including under the Texas Data Privacy and Security Act, you may have the right to confirm whether we process your personal data, to access, correct or delete it, to obtain a portable copy, and to opt out of the sale of personal data, targeted advertising and certain profiling (we do not do those things). To make a request, email [support email]. We will verify your request using the information on your account and respond within 45 days (extendable once by 45 days where reasonably necessary). If we decline your request, you may appeal by replying to our decision; if the appeal is denied, you may contact the Texas Attorney General. We will not discriminate against you for exercising these rights.
8. Security
We protect information with encryption in transit (HTTPS), hashed passwords, access controls that limit who can see private data such as pickup addresses, and payment handling delegated to Stripe. No system is perfectly secure; if we learn of a breach affecting your information we will notify you as required by law. Keep your password private and tell us right away if you suspect misuse of your account.
9. Children
The Service is for adults. You must be at least 18 years old to create an account, list an item or rent one. We do not knowingly collect personal information from anyone under 18. If we learn that someone under 18 has created an account, we will close it and delete their information. If you believe a minor is using Loan'R, contact us.
10. Where we operate
Loan'R is operated in the United States and your information is stored and processed in the United States. The Service is intended for users in the United States.
11. Changes to this policy
We may update this policy as the Service changes. We will post the new version here with a new effective date and, for material changes, notify you by email or in the app before they take effect.
12. Contact us
Questions or requests about privacy: [support email].
[Loan'R legal entity — pending from Samuel], [mailing address — pending].