Terms of Service

Please read these before you borrow or lend. The short version: borrowing is at the borrower's own risk, we collect no damage deposits, and Neighbor Borrow takes on no liability for damaged or lost items.

1. 1. What Neighbor Borrow is

   Neighbor Borrow is a listing and payment platform that helps neighbors lend and borrow items. We are not a party to any borrowing arrangement, we do not own, inspect, store, insure, or deliver any item, and we are not a rental company, insurer, or guarantor.

2. 2. Borrowing is entirely at the borrower's risk

   When you borrow an item you accept full responsibility for it from pickup until it is returned to the owner. If the item is damaged, lost, stolen, destroyed, or returned late, that is your responsibility and yours alone. Neighbor Borrow takes on no liability of any kind for damage, loss, theft, injury, or any other cost arising from a borrow.

3. 3. No damage deposits and no protection program

   We do not collect damage deposits, we do not hold funds as security, and we do not run any guarantee, protection, or reimbursement program. Owners who need financial security should not list items they cannot afford to lose.

4. 4. Notice to owners

   You list your items voluntarily and at your own risk. Neighbor Borrow does not screen, verify, insure, or vouch for borrowers, and we will not compensate you if your item comes back damaged or never comes back at all. Any claim over damage or loss is between you and the borrower directly.

5. 5. Resolving damage or loss between neighbors

   Owners and borrowers agree to settle damage, loss, and late-return disputes directly between themselves. We may show booking records to either side on request, but we do not arbitrate, decide fault, reverse payments, or enforce outcomes.

6. 6. Payments and the platform fee

   Borrowers pay exactly the daily price the owner set. Card payments are processed by Stripe. Neighbor Borrow keeps a 15% platform fee from the amount collected and pays the remaining 85% to the owner's connected payout account.

7. 7. Payouts

   Owners must complete Stripe's onboarding, including identity and bank details, before earnings can be paid out. Payout timing is controlled by Stripe and your bank, not by us. You are responsible for reporting and paying any taxes on your earnings.

8. 8. Cancellations and refunds

   Cancellations and refunds are agreed between the owner and the borrower. Platform fees on completed bookings are non-refundable.

9. 9. Your account

   You must be at least 18 years old, use your real name, and keep your login secure. One account per person. You are responsible for everything that happens under your account.

10. 10. Items you may not list

    No weapons, no illegal or stolen goods, no prescription or controlled substances, no vehicles requiring registration, no items you do not own, and nothing you are contractually barred from lending. Items must be safe, functional, and honestly described.

11. 11. Safety and conduct

    Meet in a safe place, inspect items together at handoff, and photograph condition before and after. Harassment, discrimination, threats, and fraud lead to permanent removal.

12. 12. Reviews

    Reviews must be honest and based on a real borrow. We may remove reviews that are abusive, false, or manipulated.

13. 13. Photos and content

    You must own or have permission to use every photo you upload, and you grant us permission to display it in the app for listing purposes.

14. 14. Privacy

    We collect the account, listing, booking, and payment information needed to run the service. Payment and identity details are handled by Stripe. We do not sell your personal information.

15. 15. No warranties

    The service and every listing are provided “as is” without warranties of any kind, including fitness for a particular purpose or the accuracy of any listing.

16. 16. Limitation of liability

    To the fullest extent the law allows, Neighbor Borrow is not liable for any indirect, incidental, or consequential damages, and our total liability for any claim will not exceed the platform fees you paid us in the previous three months.

17. 17. Indemnity

    You agree to cover Neighbor Borrow for any claim, loss, or legal cost arising from your listings, your borrows, your conduct, or your breach of these terms.

18. 18. Suspension and termination

    We may suspend or close any account that breaks these terms or puts other neighbors at risk. You may close your account at any time once open bookings are settled.

19. 19. Changes to these terms

    We may update these terms and will post the new version here. Continuing to use the app after an update means you accept it.

20. 20. Agreement

    By creating an account you confirm that you have read these terms and accept that all borrowing, damage, and loss risk sits with the borrower and the owner, never with Neighbor Borrow.