Welcome to Lndr and the new world of democratized credit-debt formation! 

We want you to know the terms and conditions that apply to everyone using Lndr – things you need to know such as (a) that Lndr is offered on an “AS-IS” basis with no warranties, (b) that Lndr is currently a beta version that we are still testing (with input from users such as you!), (c) that Lndr is one of the early dapps (decentralized apps) operating on the Ethereum blockchain, which itself has developmental challenges that we are working to improve upon, and (d) much else besides, so keep reading. 

We reserve the right to change our Terms and Conditions and our Privacy Policy from time to time. 

We encourage you to visit https://www.blockmason.io/lndr-terms at least once a month to see if there are any such changes.

Privacy Policy

The only data we receive about you is what you provide in setting up a Lndr account and using it. We process such data only for the purpose of your use of Lndr.

We do not use cookies or any other means to capture and retain information that you do not expressly and deliberately provide us.

Currently the only default information Lndr receives from you is your public crypto key and any additional ID you set up via Lndr (through its Foundation subroutine). Our servers receive information about the IP address from which you access Lndr, which may or may not identify you personally depending on what devices you use to access Lndr.

Additionally, you may elect to verify your identity to unlock additional Lndr features. As part of our Know Your Customer / Anti-Money Laundering (KYC/AML) implementation, you voluntarily upload sensitive information such as government issued identification. Lndr uses a third party service, Sum & Substance, which is a regulated UK company to complete the identity verification. By agreeing to upload your identity information, you agree to Sum & Substance’s privacy policy which can be found at https://www.sumsub.com/privacy-and-cookie-policy. Lndr does not store any of the identification documentation you voluntarily upload and Blockmason Inc. is not responsible for any data breaches that occur with Sum & Substance.

We strongly encourage users to create user names that do not reflect their real name, their email address, or any other information that would identify them personally. We encourage you to use Lndr in ways that do not involve providing any personal data or any information that could identify you personally.

We enable you to provide your email address, if you wish to receive information from us about the Lndr product. To the extent we maintain any such personal data on Lndr’s systems, we will encrypt it.

If you contact us by email, we will not make your email address available to other persons and entities; we will use it only to respond to your email and any issue you raise with us by email.

If you wish to receive an electronic copy of personal data you input to Lndr, or if you wish to have Lndr delete personal data you input to Lndr, or if you wish to revoke your prior consent for us to process your personal data, contact us at support@blockmason.io.

Our policy as to personal data such as email addresses and social media and other online accounts is: We will not sell your personal information; we will not provide your personal data to other persons or entities, unless required to do so by legal process; we will not use your personal data for purposes other than enabling you to use the Lndr product, unless you expressly agree to other uses of your personal data in the future, by clear, explicit, informed consent.

We follow data minimization practices so as to receive from you and use and retain only data that are relevant and necessary to the purposes of your use of Lndr.

Lndr’s blockchain architecture minimizes danger of hacks, accidental loss, or other corruption of data.

We do not engage in advertising products and services other than Lndr, and we do not allow other persons and entities unaffiliated with Lndr to advertise to Lndr users.

We use and process information we receive from you only for the purpose of enabling your use of Lndr and our operation and improvement of Lndr.

We may perform studies of information that includes information we receive from you, and we may give access to agents and contractors of Lndr for that limited purpose, which includes purposes of public interest, scientific and historical value, and research and statistical study.

We may aggregate information, use it for internal Lndr studies, and share it in anonymized form with other persons and entities.

Any links to other websites in connection to Lndr do not constitute endorsements of any aspect of such websites and Lndr assumes no responsibility for their actions.

Your information may be transferred and maintained on servers and other computers that are outside your country of citizenship or residence and that are not subject to a privacy protection regime as stringent as that of your country.

Lndr is not for use by persons under the age of 16.

Lndr will provide information pursuant to lawful regulatory actions and legal processes such as subpoenas, and we reserve the right to resist requests for information that our legal counsel concludes are contrary to or beyond the requirements of applicable law.

We do not sell or license your information to persons or entities unaffiliated with Lndr.

We do not ask Lndr users for credit card information, financial account information, or other such information that could be effectively targeted by hackers. Lndr reserves the right to modify this Privacy Policy at any time without advance notice, yet we will use reasonable efforts to post such modifications at https://blockmason.io/lndr-terms/ at least 30 days before they go into effect. Notification of changes in this Privacy Policy will be by posting the new policy to https://blockmason.io/lndr-terms/

Terms & Conditions

Lndr is a free beta-version service offered by us at Blockmason Inc. to you as a Lndr user.

We grant you a free license to use Lndr, and Blockmason’s underlying patent-pending Credit Protocol on which the Lndr dapp is built, subject to these terms and conditions.

We also grant you a free license to use Lndr under any patent that may be issued for Credit Protocol in the future.

We commit to provide industry-standard maintenance and support for the Lndr dapp.

We invite you to submit problem reports and improvement suggestions to support@blockmason.io, and we will try our best to resolve problems and to reply as we are able.

You agree that Lndr is offered for use on an “AS IS” basis with no warranties. BLOCKMASON EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

You understand and agree that Lndr, Credit Protocol and the Ethereum blockchain are subject to unpredictable outages and network unavailability.

IN NO EVENT, EVEN IF FOREWARNED, WILL BLOCKMASON BE LIABLE TO YOU FOR INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES INCLUDING LOST PROFITS, OR FOR SPECIAL OR PUNITIVE DAMAGES OR DAMAGES FOR EMOTIONAL DISTRESS, ARISING IN RELATION TO YOUR USE OF Lndr.

BLOCKMASON SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF SERVICES.


You agree and commit to use Lndr only for personal use and not in connection with any business operation or function.

You understand and agree that Lndr is for the purpose of forming and recording debts between friends, relatives and persons interacting only on a friendship basis and not a commercial basis.

You agree to comply, while using Lndr, with all applicable laws and regulations of the place(s) where you use Lndr. 

You shall not use Lndr for money laundering or for structuring credit and debt transactions in ways that circumvent or avoid any applicable laws, or that disguise violations of laws and proceeds gained from such violations.

You shall not use Lndr in connection with any currency exchange business, currency transmission business, or money services business.

You acknowledge and agree that Lndr and Blockmason have no role or responsibility in enforcing or collecting debts recorded on Lndr, or in verifying the accuracy of debts recorded on Lndr.

You understand and agree that the Ethereum blockchain on which Lndr and Credit Protocol are architected is subject to possible outages, congestion and delays that can affect your ability to post, verify, reference and use debt and credit information in relation to Lndr.

You understand and agree that Blockmason’s improvements designed to improve performance of Lndr in interacting with the Ethereum blockchain are also subject to possible outages and problems during their experimental development and implementation. Among other issues, the operation of Blockmason’s servers and side-chains inter-operating with the Ethereum blockchain for purposes of expediting transactions can experience difficulties above and beyond those of the Ethereum blockchain.

You agree that Blockmason may at any time take proactive measures to overcome blockchain congestion, outages or delays, using Blockmason’s judgment in Blockmason’s sole discretion, and that such proactive measures may produce their own issues in the operation of Lndr.

You agree to assume all the above-stated risks related to your use of Lndr.

You agree to hold Blockmason and its employees, officers and agents harmless from, and indemnify them for, any claim by any third party arising from or related to your chosen manner of use of Lndr.

If any part of these terms and conditions are ruled invalid or unenforceable by a competent authority, that part shall be deemed amended so as to conform to the intent of these terms and conditions consistent with applicable law and regulations, and the remainder of the terms and conditions shall continue in full force and effect.

Blockmason reserves the right to modify these terms and conditions at any time without notice, yet it will use reasonable efforts to post such modifications at https://blockmason.io/lndr-terms/ at least 30 days before they go into effect.

Blockmason’s delay or failure in enforcing these terms and conditions shall not be deemed a waiver of its rights or of the validity and enforceability of these terms and conditions.