How Lend Local handles your information.

Who we are

Lend Local is a Hawaiʻi-based peer-to-peer rental marketplace that connects neighbors who lend and borrow everyday items. This policy explains what information we collect when you use our site, why we collect it, and the choices you have. Questions any time at info@lendlocalapp.com.

Information we collect

• Account details — your name and email address, and the password you set (kept encrypted, never in plain text).
• Listings and profile — what you choose to add: item photos, descriptions, prices, and your general pickup area.
• Bookings and messages — rental requests, dates, and the messages you send other members through the app.
• Payment information — handled by our payment processor, Stripe. We don’t see or store your full card number. Stripe shares limited details with us — such as your card’s brand, its last four digits, and whether the billing checks passed — so a lender can see a booking is backed by a valid card, and so a saved card can be charged for amounts you’ve authorized (see below).
• Identity verification — before your first paid rental, Stripe Identity checks a government ID and a selfie match on our behalf. Stripe processes and retains the document images under its own privacy policy; we only receive confirmation that you passed and basic verified details (like your name), which we store so you’re never asked again.
• Usage and device data — basic technical information your browser sends automatically, like your device type and the pages you visit, used to keep the site working and secure.

How we use your information

• To run the marketplace — create listings, take bookings, process payments and deposits, and connect renters with lenders.
• To send you transactional email — request, approval, and booking notifications tied to your rentals.
• To keep Lend Local safe — prevent fraud, enforce our terms, and help resolve disputes over damage or returns.
• To support you and improve the service.
• To meet our legal, tax, and accounting obligations.

Payments and cards on file

Payments run through Stripe, and your card details are given directly to Stripe, not to us. When you book, you agree that your card may be saved and charged later for amounts you authorize in our rental terms — for example, damage or a non-returned item beyond the deposit. Stripe’s handling of your data is governed by Stripe’s privacy policy.

What other members see

Lend Local runs on real names, because neighbors lend to people they can trust. When you request or list an item, the other person sees your name, your listing details, and the messages you exchange with them. They don’t see your email address, your password, or your full payment details.

How we share information

We are not in the business of selling your personal information. We share it only:

• With the other party to a rental, as described above, so the booking can happen.
• With service providers who run parts of the service for us — such as Stripe (payments) and our hosting, database, and email providers — under agreements that limit them to working on our behalf.
• For legal and safety reasons — to comply with the law, respond to lawful requests, or protect the rights, property, and safety of our members and the public.
• In a business transfer — if Lend Local is ever part of a merger, acquisition, or sale of assets, your information may be included in that transaction.

Cookies

We use only the cookies needed to sign you in and keep your session secure. We don’t use third-party advertising cookies, and we don’t sell your browsing activity.

Data retention

We keep your information while your account is active and for as long as we need it to provide the service, resolve disputes, and meet legal, tax, and accounting requirements. When we no longer need it, we delete or de-identify it.

Security

We use reputable providers and reasonable safeguards to protect your information — including encryption in transit, and keeping payment card data with Stripe rather than on our own systems. No online service can promise perfect security, but we work to keep your data protected.

Your choices

You can review or update your account details any time, and you can ask us to correct or delete your information by emailing info@lendlocalapp.com. Some information may be kept as needed for legal or accounting reasons even after you close your account. Depending on where you live, you may have additional rights over your data — contact us and we’ll help.

Children

Lend Local is for adults. It isn’t intended for anyone under 18, and we don’t knowingly collect information from children.

Changes to this policy

We may update this policy as Lend Local grows. When we make a meaningful change, we’ll update the date at the top — and we’ll keep it readable when we do.

Contact

Questions about your privacy? Email us any time at info@lendlocalapp.com.