Terms of Use

Last updated: July 6, 2025

Please read these Terms of Use carefully before accessing or using any part of the Lendruk platform available at lendruk.com. By accessing or using the platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the platform.

1. Acceptance of Terms

These Terms of Use constitute a legally binding agreement between you and Lendruk governing your access to and use of the website, online lectures, course materials, and any related services provided through lendruk.com. Your continued use of the platform following any update to these Terms constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 16 years of age to use this platform. By agreeing to these Terms, you represent and warrant that you meet this age requirement. If you are under the age of legal majority in your jurisdiction, you must have the consent of a parent or legal guardian to use this platform.

3. User Accounts

3.1 Account Registration

Certain features of the platform require you to create an account. When registering, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3.2 Account Security

You agree to notify Lendruk immediately at contact@lendruk.com if you become aware of any unauthorized access to or use of your account. Lendruk is not liable for any loss or damage arising from your failure to safeguard your credentials.

3.3 Account Termination

Lendruk reserves the right to suspend or terminate your account at any time, without prior notice, if you breach these Terms or engage in conduct that Lendruk reasonably determines to be harmful to the platform, other users, or third parties.

4. Platform Access and Availability

Lendruk grants you a limited, non-exclusive, non-transferable, revocable license to access and use the platform solely for your personal, non-commercial educational purposes. This license does not include any right to resell, sublicense, or commercially exploit the platform or its content. Lendruk does not guarantee uninterrupted or error-free access to the platform and reserves the right to modify, suspend, or discontinue any part of the platform at any time without liability.

5. Acceptable Use

You agree to use the platform only for lawful purposes and in accordance with these Terms. You must not:

• Use the platform in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the platform, server, or network
• Transmit any unsolicited or unauthorized advertising, spam, or promotional material
• Upload, post, or transmit content that is harmful, offensive, defamatory, obscene, or otherwise objectionable
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Engage in any conduct that restricts or inhibits another user's enjoyment of the platform
• Use automated tools, bots, scrapers, or crawlers to access or collect data from the platform without express written permission
• Introduce viruses, malware, or any other harmful code to the platform

6. Intellectual Property

6.1 Platform Content

All content available on the platform, including but not limited to text, video lectures, audio materials, graphics, course structures, logos, and software, is the exclusive property of Lendruk or its licensors and is protected by applicable intellectual property laws. No content may be reproduced, distributed, modified, publicly displayed, or otherwise used without the prior written consent of Lendruk.

6.2 User-Submitted Content

If the platform allows you to submit, upload, or post content, you retain ownership of that content. By submitting content, you grant Lendruk a worldwide, royalty-free, non-exclusive license to use, reproduce, modify, and display such content solely for the purpose of operating and improving the platform. You represent that you have all necessary rights to grant this license.

6.3 Feedback

Any feedback, suggestions, or ideas you provide to Lendruk regarding the platform may be used by Lendruk without any obligation to compensate you or maintain confidentiality.

7. Payments and Refunds

7.1 Fees

Certain courses or features on the platform may require payment. All fees are displayed on the platform and are subject to change. Applicable taxes may be added at checkout depending on your location.

7.2 Payment Processing

Payments are processed through third-party payment providers. Lendruk does not store your full payment card details. By making a purchase, you agree to the terms of the relevant payment processor.

7.3 Refund Policy

Refund eligibility and conditions are described in the specific course or service listing. Unless otherwise stated, all purchases are final. If you believe you are entitled to a refund, please contact us at contact@lendruk.com within 14 days of your purchase.

8. Third-Party Links and Services

The platform may contain links to third-party websites or services that are not owned or controlled by Lendruk. Lendruk has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party services you access through the platform.

9. Disclaimers

The platform and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Lendruk does not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses. Educational content is provided for informational purposes only and does not constitute professional advice of any kind. Lendruk makes no guarantees regarding the accuracy, completeness, or applicability of any course material to your specific circumstances.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Lendruk and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of or inability to use the platform, even if advised of the possibility of such damages. In no event shall Lendruk's total liability to you for all claims exceed the total amount you paid to Lendruk in the twelve months preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Lendruk and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the platform, your violation of these Terms, or your infringement of any third-party rights.

12. Privacy

Your use of the platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the platform, you consent to the collection and use of your information as described in the Privacy Policy. Please review it carefully before using the platform.

13. Modifications to These Terms

Lendruk reserves the right to revise these Terms at any time. When changes are made, the updated Terms will be posted on this page with a revised "Last updated" date. It is your responsibility to review these Terms periodically. Your continued use of the platform after any changes constitutes your acceptance of the new Terms.

14. Governing Terms and Dispute Resolution

These Terms shall be governed by and construed in accordance with generally accepted principles of contract law. In the event of a dispute arising from or relating to these Terms or your use of the platform, you agree to first attempt to resolve the dispute informally by contacting Lendruk at contact@lendruk.com. Lendruk will make a good-faith effort to resolve the dispute within 30 days of receiving your written notice.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable, preserving the original intent of the parties as closely as possible.

16. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms applicable to specific services offered on the platform, constitute the entire agreement between you and Lendruk with respect to your use of the platform and supersede all prior agreements, understandings, and representations.

17. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Use, please contact us: