Terms of Use

Introduction

These Terms of Use (“Terms”) govern your access to and use of BorrowBuddy Nexus (“BorrowBuddy,” “we,” “our,” or “us”), including our website, mobile applications, and related services. BorrowBuddy is a global community platform that enables users to connect, share resources, and participate in services such as borrowing and lending items, peer-to-peer exchanges, caregiving, companion services, event participation, and community messaging. We also provide trust and identity verification features and an AI-powered assistant known as AMARIS AI.

By using BorrowBuddy, you agree to be bound by these Terms. If you do not agree, you must stop using the platform. You must be at least 18 years old, or the legal age of majority in your country, to register an account or use our Services.

Use of the Platform

You agree to use BorrowBuddy only for lawful purposes. You may not engage in fraudulent activity, impersonate others, exploit or harm users, bypass security systems, upload harmful content, harass or abuse others, collect data without consent, or violate applicable laws. BorrowBuddy reserves the right to restrict or terminate access if these Terms are violated.

User Accounts

Certain features require you to create an account. You must provide accurate information, keep your login credentials secure, and notify us immediately of unauthorized access. You are responsible for all activity under your account. Accounts may be suspended or terminated if fraud, abuse, or violations are suspected.

User Responsibilities

As a BorrowBuddy user, you are responsible for ensuring safe and lawful use of the Services. You should verify the identity of other users before transactions, inspect items before use, ensure safe meeting locations, comply with financial regulations in your jurisdiction, communicate respectfully, and report suspicious activity. Decisions made through the platform are your responsibility.

Services and Transactions

BorrowBuddy provides tools for community interaction but does not own, manage, or guarantee the quality or legality of items, services, or events offered by users. Payments must be made through approved methods, and BorrowBuddy may use trusted third-party processors to facilitate transactions. These providers are not authorized to use customer information for marketing. Fees, if applicable, will be disclosed before transactions. BorrowBuddy may investigate or reverse suspicious transactions to prevent fraud.

User Content

You may post content such as listings, reviews, and event details. You retain ownership of your content but grant BorrowBuddy a license to use it as necessary to operate the Services. Content must be accurate, lawful, and not infringe on third-party rights. BorrowBuddy may remove content that violates these Terms.

Intellectual Property

All intellectual property related to the platform, including software, text, graphics, logos, and AI systems, is owned by or licensed to BorrowBuddy. You may not copy, modify, reproduce, distribute, or exploit any part of the platform without written permission.

AMARIS AI

BorrowBuddy includes AMARIS AI, a virtual assistant designed to improve user experience. AMARIS AI may provide guidance and recommendations but does not replace human judgment or professional advice. Responses may occasionally be incomplete or outdated, and users remain responsible for their decisions.

SMS Communications

If you opt in to receive SMS messages, you consent to receive texts related to your account, transactions, and services you request. Mobile numbers and consent records are collected solely by BorrowBuddy and are never sold or shared for promotional purposes. Message frequency may vary, and standard carrier rates may apply. You may opt out at any time by replying “STOP” and request help by replying “HELP.”

Trust and Safety

BorrowBuddy implements identity verification, trust badges, ratings, fraud detection, and reporting tools to support safe interactions. These features assist users but do not guarantee identity or conduct. BorrowBuddy may restrict or ban accounts that violate trust standards.

Disputes Between Users

BorrowBuddy encourages users to resolve disputes directly. While not obligated to mediate, BorrowBuddy may review reports, request information, and restrict accounts where necessary to protect the community. Users remain responsible for their own agreements and transactions.

No Warranties

BorrowBuddy is provided “as is” and “as available.” We do not guarantee uninterrupted service, accuracy of user content, or successful transactions.

Limitation of Liability

To the extent permitted by law, BorrowBuddy is not liable for losses arising from user interactions, failed transactions, service interruptions, misuse of the platform, or indirect damages.

Indemnification

You agree to indemnify BorrowBuddy against claims or liabilities arising from your use of the platform, your content, or your violation of these Terms.

Termination

BorrowBuddy may suspend or terminate accounts if Terms are violated, fraud or abuse occurs, or if required by law.

Platform Evolution

BorrowBuddy may introduce, modify, or discontinue features at any time. Continued use of new features constitutes acceptance of these Terms.

Changes to Terms

We may update these Terms from time to time. Continued use of BorrowBuddy after updates means you accept the revised Terms.

Governing Law

These Terms are governed by the laws of the United States, United Kingdom, and Ghana. Users in other countries may also be subject to local laws.

Entire Agreement

These Terms constitute the entire agreement between you and BorrowBuddy and supersede prior agreements.

Contact Us

• Entity: BorrowBuddy Nexus
• Email: hello@borrowbuddynexus.com / borrowbuddynexus@gmail.com
• Primary Countries of Operation: United States, United Kingdom, Ghana