Terms of Service

LendVoy is a multi-tenant financial operating system for lending and deposit institutions — loan origination, servicing, repayments, savings, collateral, accounting and reporting — provided by ROMM Technology, trading as LendVoy ("we", "us"), registered at the address shown at the foot of this page. Your contract for use of the platform is with ROMM Technology.

By creating an account, subscribing to a plan, or continuing to use the platform, you agree to these terms. The platform is offered to registered businesses and financial institutions; by accepting you confirm you are authorised to bind your institution, or are of legal age if contracting as an individual, and that the information you provide during onboarding is accurate and kept current.

Each institution operates inside its own tenant. You are responsible for the credentials, role assignments and staff activity within your tenant, and must keep account credentials confidential. You must notify us promptly of any suspected unauthorised access.

We grant your institution a limited, non-exclusive, non-transferable right to use the platform for the duration of your subscription and within the limits of your selected plan. We retain all ownership and intellectual property rights in the platform, its software, documentation and branding. You may not reverse engineer the platform, resell or redistribute access, or circumvent technical or plan limits.

Paid plans are billed in advance on a monthly or annual term and renew automatically at the end of each term unless cancelled before renewal. You may cancel at any time from your billing settings or by emailing billing@lendvoy.com; access continues until the end of the paid period. Prices are stated exclusive of applicable taxes unless indicated otherwise; sales tax, VAT or GST is added at checkout where required.

Payment, billing, tax, cancellation and refund mechanics are governed by Paddle's Buyer Terms, together with our Refund & Cancellation Policy.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

You must not misuse the platform. In particular you must not use it for any unlawful purpose or unlawful lending activity, to circumvent regulatory obligations, for fraud, spam or deceptive practices, to infringe the intellectual property or privacy rights of others, to attempt access to another tenant's data, or to interfere with security — including uploading malware, probing or scanning the service, or scraping data.

Your institution retains ownership of all records you upload or generate, and grants us a limited licence to host and process that content solely to provide and support the service, under the commitments described in our Privacy Policy. Both parties will keep the other's confidential information secure. You are responsible for having the rights and lawful basis to upload the data you enter.

We aim for continuous availability and may perform maintenance with reasonable notice. We do not warrant that the platform will be uninterrupted, timely, secure or error-free, and to the fullest extent permitted by law we disclaim all implied warranties, including merchantability and fitness for a particular purpose. Support is provided by email during the hours listed below; enterprise plans may include additional commitments agreed in writing.

We may suspend or terminate access, in whole or in part, for material breach of these terms, non-payment, security or fraud risk, or repeated or serious policy violations. Where practical we give notice and an opportunity to cure. Either party may terminate for material breach that remains uncured after written notice. On termination you may export your data for 30 days, after which it is deleted according to our retention schedule.

The platform is operational software, not legal, accounting, financial or regulatory advice; decisions you make using it remain your responsibility. To the extent permitted by law our aggregate liability is limited to the fees paid in the twelve months preceding the claim, and neither party is liable for indirect, consequential or special loss, including loss of profits, data or goodwill. Nothing in these terms excludes liability for fraud, death or personal injury caused by negligence, or any liability that cannot be excluded by law. You indemnify us against claims arising from your data, your unlawful use of the platform, or your breach of these terms.

These terms are governed by the laws of Liberia and the courts of Monrovia have exclusive jurisdiction, without prejudice to mandatory consumer protections in your country. You may not assign this agreement without our consent; we may assign it in connection with a merger or acquisition. Neither party is liable for delay caused by events beyond its reasonable control. We may update these terms to reflect changes in the service or the law; material changes are announced in the product or by email at least 30 days before they take effect.