Terms & Conditions
Terms and Conditions for Lemur Finance
Effective Date: January 1, 2025

Terms of Service
These terms and conditions (hereinafter referred to as the “Agreement”) govern the relationship between Lemur Finance, including its subsidiaries, affiliates, agents, and assigns (“Lemur Finance,” “our,” “we,” “Company”), and you (“you,” “your”) when you use our services, features, and tools through our website, mobile application, or any other digital platform (collectively, the “Services”). By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement. If you do not agree, you must discontinue use of the Services immediately.

1. User Agreement
Please carefully review the following rules that govern your use of this website (the "Site") and read our Privacy Policy regarding the information that you provide to us. The following are terms of a legal agreement (“Agreement”) between you, individually and/or as an agent on behalf of another registered user (“you”), and Lemur Finance, Inc. (“Lemur Finance”) that set forth the terms and conditions for your use of the Site. The Site is owned and operated by Lemur Finance. This Site is being provided to you expressly subject to this Agreement. By accessing, browsing, and/or using the Site, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. Subject to these Terms of Use, Lemur Finance grants you a non-transferable, non-exclusive, non-sublicensable, revocable, limited license to use and access the Services solely for your own personal, noncommercial use. Subject to your compliance with this Agreement, Lemur Finance grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use a copy of the Mobile App on a single mobile device that you own or control and to run such copy of the Mobile App solely for your own personal or internal business purposes.

2. Changes to the Agreement
Lemur Finance reserves the right to amend this Agreement at any time. Changes will be effective upon posting the updated Agreement on our website or app. Continued use of the Services after changes are posted constitutes acceptance of the revised terms. We recommend reviewing this Agreement periodically. Significant changes will be highlighted, and you may be notified via email if you have provided your contact information.

3. Credit Card Processing Terms
Lemur Finance provides credit card processing services to facilitate transactions between you and your customers. By using these services, you agree to the following:
Authorization: You authorize Lemur Finance to process transactions on your behalf through our integrated payment platform. You agree to provide accurate transaction details and ensure all activities are compliant with applicable laws.
Fees: Credit card processing fees, including interchange fees, service fees, and any applicable taxes, will be disclosed at the time of registration and invoiced accordingly. These fees are subject to change with notice and may vary based on transaction volume, card type, and other factors. Failure to remit fees may result in suspension of Services.
Settlement Process: Funds from processed transactions will be settled into your designated account within the timelines specified in our documentation, typically 1-3 business days. Delays may occur due to bank holidays, compliance reviews, or suspected fraudulent activity.
Prohibited Transactions: You may not use our Services for unauthorized or illegal transactions, including but not limited to fraudulent activity, money laundering, gambling, or the sale of prohibited goods and services. Lemur Finance reserves the right to suspend or terminate Services for any suspected violations without notice.
Chargebacks and Disputes: You are responsible for managing and resolving chargebacks and disputes with your customers. Lemur Finance provides tools and support to assist in dispute resolution but assumes no liability for unresolved chargebacks. Fees associated with chargebacks will be billed to your account.
Compliance: You agree to comply with all applicable laws and industry standards, including PCI DSS, to ensure the secure handling of customer payment information. You are also responsible for maintaining the confidentiality of all credentials, ensuring system security, and monitoring for unauthorized access.

4. Limitations of Use
The materials, technologies, and all related content provided on this Site, including but not limited to text, design, software, photos, images, and other data (“Content”), are owned by Lemur Finance or its licensors and are protected under applicable copyright, trademark, and other intellectual property laws. You acknowledge that:
The Content is and shall remain the exclusive property of Lemur Finance and/or its licensors. You may not reproduce, distribute, republish, display, post, or transmit any part of the Content in any form or by any means without prior written consent from Lemur Finance.
Any attempt to modify, create derivative works of, sell, or transfer any part of the Content without express permission is strictly prohibited.
The Content may not be mirrored, scraped, or otherwise reproduced on any other platform, including for commercial or non-commercial use, without our explicit written consent.
Reverse engineering, disassembling, or tampering with any part of our Site, Services, or Content is prohibited. Additionally, any data mining or automated data gathering techniques are not permitted.
You agree to use the Site and Services for lawful purposes only. Any unauthorized use, including but not limited to breaches of security, misuse of access credentials, or violation of applicable laws, may result in termination of your access to the Site and legal action. Lemur Finance makes no guarantees as to the suitability of the Content for use outside of the United States. If you access the Site from outside the U.S., you are solely responsible for ensuring compliance with applicable local laws.
By using this Site, you grant Lemur Finance a fully paid, royalty-free, worldwide, non-exclusive license to use, reproduce, modify, and display any content or data you provide in connection with operating and providing the Services to you and other users. This license is limited to purposes directly related to the functionality of the Services.

5. Trademarks
The trademarks, logos, and service marks (collectively, the "Lemur Finance Trademarks") displayed on this Site are registered and unregistered trademarks owned by Lemur Finance, its affiliates, or third parties. Nothing on this Site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Site without the prior written permission of Lemur Finance or the respective third-party owner.
You may not use, reproduce, modify, display, distribute, or transmit any Lemur Finance Trademarks without explicit authorization. Lemur Finance strictly prohibits the use of its Trademarks as part of any link to or from another website without prior written consent.
Any misuse of the trademarks displayed on this Site, or any other Content, is strictly prohibited. Questions regarding the use of trademarks or whether a specific logo or mark is a Lemur Finance Trademark should be directed to [Support Email Address].

6. Electronic and Telephone Communication
You consent to having your communications with Lemur Finance and its partners, affiliates, agents, and service providers (collectively, the “Communicating Parties”) monitored, recorded, and stored, although this is not an obligation. You expressly authorize the Communicating Parties to contact you via any phone number you have provided, using technologies such as autodialers, pre-recorded messages, or text messaging, to deliver updates, notifications, and information related to your current or future applications, accounts, or agreements.
By using the Site or contacting us via email, you are communicating electronically and agree to receive communications from us through email, SMS, or notices posted on the Site. Standard data and messaging rates may apply. You acknowledge that these communications meet any legal requirements for written communication to the extent allowed by law. Lemur Finance reserves the right to email you regarding changes to the Site, updates to Services, or other purposes deemed appropriate and permissible by law.
For additional details about how we handle electronic communications, please refer to our Electronic Communications Agreement.Links to Third-Party Sites
This Site may include links to external websites that are owned, operated, or controlled by third parties ("third-party sites"). Lemur Finance has no control over the content, availability, or accuracy of these third-party sites and assumes no responsibility for the information they provide. By accessing these sites, you acknowledge that their terms of use and privacy policies apply, not this Agreement.
Links to third-party sites are provided solely as a convenience and do not imply an endorsement or recommendation by Lemur Finance of the content, products, services, or materials offered on such sites. You access these third-party sites entirely at your own risk. These sites may also have differing privacy practices or security measures, for which Lemur Finance cannot be held accountable.
Lemur Finance disclaims all warranties or representations regarding the reliability, quality, or accuracy of third-party content. We accept no liability for any damages or issues arising from your interaction with third-party sites. For inquiries related to third-party links, please contact us at support@lemurfinance.com.

7. Credit Pull Consent and Authorization
By registering on the Lemur Finance platform as a borrower, you authorize Lemur Finance, its affiliated financial institutions, and partners (“we,” “us,” or “our”) to obtain your credit report from one or more consumer reporting agencies. We may use this information for purposes permissible under applicable law, including but not limited to:
1. Verifying your identity.
2. Assessing your credit profile for decision-making purposes.
3. Calculating your debt-to-income ratio.
4. Generating a credit risk assessment or similar score.
Additional State Notices for Borrowers
When registering an account with Lemur Finance, you agree to provide true, accurate, and up-to-date information as prompted by the registration form. You are responsible for maintaining the accuracy of this information. By using the Services, you confirm that:
1. You are at least 18 years old.
2. You are legally eligible to form a binding agreement.
3. You are not prohibited from using the Services under any applicable jurisdiction.Obtaining and presenting characteristics of your credit report.
4. You also authorize Lemur Finance to verify the details in your credit report with third parties and to use your credit report for additional purposes, such as loan servicing or collection efforts. We may pull your credit report whenever you submit a loan application or when deemed necessary in connection with the Services.

8. Privacy and Data Use
Lemur Finance’s practices regarding the collection, use, and protection of your information are outlined in our Privacy Policy, which is incorporated into this Agreement by reference. By using the Services, you consent to the data practices described in the Privacy Policy. Lemur Finance is committed to protecting your information and adheres to all applicable data protection laws.

9. Disclaimer of Warranties
The Services and all related content are provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Lemur Finance does not guarantee that the Services will meet your expectations or requirements or that the Services will operate without interruption, be error-free, or free of harmful components such as viruses. Any reliance on the Services is at your own risk.

10. Limitation of Liability
Under no circumstances shall Lemur Finance, its affiliates, officers, directors, employees, agents, or licensors (collectively, the "Lemur Finance Parties") be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or related to your use or inability to use the Services, even if advised of the possibility of such damages. This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory.
Lemur Finance assumes no responsibility and shall not be held liable for any inaccuracies, delays, errors, or omissions in the Content or for any actions taken in reliance thereon. The Services are offered without guarantees of any kind, and your use of the Services and reliance on any information provided is solely at your own discretion and risk.
If Lemur Finance is found liable under any circumstances, our aggregate liability to you for any and all claims arising from your use of the Services shall not exceed the total fees you have paid to Lemur Finance for the Services during the six (6) months preceding the event giving rise to the liability.

11. Indemnification
You agree to defend, indemnify, and hold harmless Lemur Finance, its affiliates, officers, directors, employees, agents, and service providers (collectively, the “Lemur Finance Entities”) from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising out of or related to:
Your access to or use of the Services;
Any content you submit, post, or transmit through the Services;
Your violation of this Agreement, applicable law, or any third-party rights.
You agree to provide full cooperation in the defense of any claim. Lemur Finance reserves the right to assume exclusive defense and control of any matter subject to indemnification. You may not settle any matter without the prior written consent of Lemur Finance.

12. Termination
Lemur Finance reserves the right to terminate or suspend your access to the Services at any time without notice for violations of this Agreement or other lawful reasons. Upon termination, you remain responsible for any outstanding obligations, including fees and chargebacks. Termination does not affect any accrued rights or liabilities.11. Dispute Resolution and Arbitration
This Agreement and all aspects of your use of the Site shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of laws principles. You agree to notify Lemur Finance in writing of any claims or disputes concerning or related to the Site or Services and allow us a reasonable period to address the matter before initiating legal action.

13. Governing Law
This Agreement shall be governed by the laws of the United States and the state where Lemur Finance is headquartered, without regard to its conflict of laws provisions. Any claims or disputes not subject to arbitration shall be resolved exclusively in the state or federal courts within the same jurisdiction.
Copyright Complaints
If you believe, in good faith, that any materials available on the Site infringe your copyrights, you may submit a notification of claimed copyright infringement to Lemur Finance’s designated agent. Your notification must include the following details:
1. An electronic or physical signature of the individual authorized to act on behalf of the owner of the copyrighted material;
2. A description of the copyrighted work you believe has been infringed;
3. A clear description of the location on the Site where the allegedly infringing material is found;
4. A statement by you, made under penalty of perjury, that you have a good faith belief that the disputed use of the material is not authorized by the copyright owner, its agent, or applicable law; and
5. A statement confirming that the information in your notification is accurate and that you are the copyright owner or duly authorized to act on behalf of the copyright owner.
You can submit your copyright infringement notification by emailing our designated agent at support@lemurfinance.com
Please note that knowingly providing false information in a copyright infringement notification may subject you to legal liability. Ensure your claims are accurate and submitted in good faith.

14. Contact Information
For questions or concerns regarding this Agreement, please contact us at: support@lemurfinance.com

Acceptance
By using the Services, you acknowledge that you have read, understood, and agree to this Agreement in its entirety. Continued use of the Services constitutes your ongoing acceptance of these terms.