Terms of Service

Borrowed ("we", "us") is a marketplace run by Jamil Raji, trading as Borrowed, a sole trader based in Scotland. Contact: hello@getborrowed.com.

Borrowed lets people ("lenders") lend items to other people ("borrowers") for a fee. We are not the owner of any item and are not a party to the borrow itself. The agreement to borrow is between the lender and the borrower. We provide the platform, take payments, hold deposits and help resolve disputes.

• You must be 18 or over and able to enter a binding contract (you confirm this when you sign up).
• One account per person. Keep your login safe. You're responsible for what happens on your account.
• Lenders must complete payout setup with our payment provider, Stripe, before they can be paid.

• You must own the item or have the right to lend it, and describe its condition honestly with real, recent photos.
• You must not list anything on our banned items list. We can remove listings and suspend accounts that break this.
• You set the borrow price and deposit. Deposits are capped as shown in the app. Changes to price or deposit only apply to new requests.
• You're responsible for the item being safe, clean and as described.

• When a lender accepts your request, you pay through Borrowed. You pay the borrow fee, the protection fee and, where shown, a deposit.
• Look after the item, use it as intended and return it by the end date in the same condition you received it (apart from normal light use).
• Maximum borrow length is 7 days unless the app says otherwise.

• Protection fee: paid by the borrower, shown before you pay. Non-refundable once the borrow is paid, except in cases we agree to refund it (see "Cancellations" below) or the item isn't handed over.
• Lender commission: we keep 10% of the borrow fee. The lender receives the rest.
• All prices are in GBP and shown before you pay.

Lenders choose, per item, how the deposit is protected - a card hold or a saved card. The app tells you which applies before you pay.

a) Card hold. The deposit is held on your card, not taken. If there's no agreed damage, the hold is released after the return and the damage window. Your bank decides how fast it disappears from your statement.

b) Saved card. No deposit is taken up front. Instead, you authorise Borrowed to charge your saved card later for damage that you accept (or that's decided under section 8), and non-return of the item (section 9), up to the deposit amount shown on the listing at the time you paid ("the charge limit"). We will always tell you in the app before or when we charge it.

If a borrow's dates make a card hold impractical (holds can't be kept open indefinitely), we use a saved card instead either way, regardless of what the lender chose for that item, and we'll tell you why in the app.

In both cases your card is saved securely by Stripe. We never see or store your full card number.

If a charge to your saved card fails, you'll have an unpaid balance. You won't be able to borrow until it's paid, and we may take reasonable steps to recover it.

• Pickups happen in person at a time and place you agree in chat. Meet somewhere public and safe.
• At pickup, the borrower takes photos in the app to confirm the item matches the listing.
• At return, the borrower takes photos when handing it back. The lender then checks the item and takes their own photos.
• In-person returns: if the lender doesn't confirm within 24 hours, the item is treated as returned at the time of the borrower's return photos.
• Returns by post (only if both sides agree in chat): the borrower must use a tracked service and enter the tracking number. The lender confirms when it arrives. If the lender hasn't confirmed or reported a problem within 7 days of posting, it's treated as returned. The borrower is responsible for the item until it's delivered.

• A lender can report damage within 48 hours of the return, with photos, a description and an amount (no more than the charge limit).
• The borrower can accept, make a counter-offer, or dispute it.
• If you can't agree, contact us at hello@getborrowed.com with the check-in photos, messages and any other evidence, and we'll review it and decide. Our decision decides what is charged or released through Borrowed. It doesn't affect your legal rights to take the matter further yourselves.
• Making a false or exaggerated claim can get your account suspended.

If an item isn't returned and the borrower hasn't started a return within 3 days of the end date, the full deposit / charge limit may be paid to the lender, and we'll tell both of you.

This doesn't stop the lender pursuing the borrower for the item's full value outside Borrowed.

There's no automatic cancellation button in the app yet. If you need to cancel before or after paying, message the other person in the chat thread as soon as possible, or contact us at hello@getborrowed.com and we'll help sort it out, including any refund.

No illegal, dangerous or banned items. No harassment, scams or fake accounts. Don't take payments outside Borrowed for borrows arranged on Borrowed. Don't upload photos of other people without their permission.

If you dispute a Borrowed payment with your bank, we may share the check-in photos, messages and your acceptance of these terms with the bank and Stripe as evidence.

• We work hard to keep Borrowed running and safe, but we can't guarantee any item, lender or borrower.
• We aren't responsible for loss or damage caused by items, or by meeting up, except where the law says we can't exclude it (for example, death or injury caused by our negligence, or fraud).
• Nothing in these terms affects your statutory rights as a consumer.
• Where we are responsible, our total liability to you for any borrow is limited to the fees you paid us for that borrow, unless the law says otherwise.

We can suspend or close accounts that break these terms, have unpaid balances or put others at risk. We'll keep records of past borrows as explained in our Privacy Policy.

We may update these terms. We'll tell you in the app or by email before major changes. Borrows already in progress stay under the terms that applied when they were paid.

These terms are governed by the law of Scotland. If you live elsewhere in the UK, you can also bring a claim in your local courts.