LoanCentral is a record-keeping tool for loan agreements made between users on Reddit. It does not lend money, hold funds, set interest rates, guarantee repayment, or act as a financial institution of any kind.

• LoanCentral does not set, suggest, or endorse any interest rate. Rates recorded in the system reflect what the lender and borrower agreed to independently on Reddit.
• LoanCentral does not facilitate the transfer of any funds between users.
• LoanCentral does not provide legal, financial, or investment advice.
• LoanCentral is not a bank, credit union, lender, or regulated financial entity.

By using LoanCentral you agree that:

• All loan agreements are made directly between users on Reddit. LoanCentral only records those agreements.
• You are responsible for complying with all applicable laws in your jurisdiction regarding lending, borrowing, and interest.
• Records in LoanCentral are self-reported and not independently verified unless explicitly reviewed by a moderator.
• LoanCentral data (loan history, health scores, dispute records) may be visible to moderators and, for public profile data, to other logged-in users.

LoanCentral stores Reddit usernames, loan amounts, dates, and status records. No payment details, real names, or financial account information are collected by LoanCentral. File attachments you upload are stored privately and visible only to the lender and moderators.

Disputes flagged through LoanCentral are reviewed by human moderators. Moderators may update loan status, assign roles, or take action based on Reddit subreddit rules. LoanCentral does not guarantee any outcome from a dispute.

LoanCentral is provided as-is with no warranty. We are not liable for any financial loss, failed repayments, disputes, or other harm arising from loan agreements made between Reddit users.

These terms may be updated at any time. Continued use of LoanCentral after changes constitutes acceptance.