# InNeed Terms of Service
**Effective date:** July 1, 2026
**Last updated:** July 26, 2026
**Version:** 1.0.2
These Terms of Service (the **"Terms"**) are a binding legal agreement between
you (**"you"** or **"User"**) and Talent Express, Inc., a New York corporation
(**"InNeed," "we," "us,"** or **"our"**), governing your access to and use
of the InNeed mobile application, the website at https://inneed.io, and any
related services, features, and content we provide (together, the **"Service"**).
**PLEASE READ THESE TERMS CAREFULLY.** They include important provisions that
limit our liability, disclaim warranties, and — in Section 16 — require most
disputes to be resolved by **binding individual arbitration** and **waive your
right to participate in a class action** and to a **jury trial**. You may opt out
of arbitration as described in Section 16.7.
By creating an account, clicking "I agree," or otherwise accessing or using the
Service, you acknowledge that you have read, understood, and agree to be bound
by these Terms and by our [Privacy Policy](https://inneed.io/legal/privacy), which
is incorporated into these Terms by reference. **If you do not agree, do not
access or use the Service.**
---
## 1. What InNeed is — and what it is not
This section is the most important part of these Terms. It defines the limited
role we play, and the things we are not.
**1.1 What the Service is.** InNeed is a private record-keeping and relationship application that helps people who already know each other track informal money arrangements (such as personal loans) between themselves. The
Service lets you and people you already know keep a shared, voluntary record of
arrangements you make with one another — for example, a personal loan — and
exchange notes, acknowledgments, and similar messages about those arrangements.
The Service is a **record-keeping, communication, and organizational tool only.**
**1.2 We do not move, hold, or process money.** InNeed **does not transmit,
hold, store, escrow, disburse, collect, or process money or funds of any kind.**
Any actual transfer of money between Users happens **directly between those Users,
entirely outside the Service**, using whatever payment method they independently
choose (for example, cash, a bank transfer, or a third-party payment app). A
record created in the Service is a description of something Users say happened or
agreed to between themselves; it is **not** a payment, a transfer, or an
instruction to move money, and we never see, touch, or control the money.
**1.3 We are not a party to your arrangements.** Any loan, gift, repayment,
agreement, or other arrangement recorded in the Service is solely between the
Users involved. **InNeed is not a party to, and assumes no responsibility
or liability for, any such arrangement**, including whether it is repaid,
performed, enforceable, lawful, or accurately described.
**1.4 What we are NOT.** Without limiting the above, InNeed is **not**, and
does not act as, any of the following: a bank or depository institution; a money
services business, money transmitter, or payment processor; an escrow agent or
custodian of funds; a lender, creditor, borrower, debtor, guarantor, or co-signer;
a debt collector or collection agency; a credit bureau, consumer reporting agency,
or provider of credit scores or reports; a broker, dealer, or financial advisor;
an insurer; a fiduciary; an accountant; or a law firm or provider of legal
services. We are a software provider, nothing more.
**1.5 No professional advice.** The Service, and any content or feature within
it, is provided for general informational and record-keeping purposes only and
does **not** constitute financial, investment, credit, tax, accounting, or legal
advice. You are responsible for obtaining your own professional advice before
entering into any arrangement.
**1.6 No verification, no guarantee.** We do **not** verify the identity,
trustworthiness, creditworthiness, or solvency of any User, and we do **not**
verify the accuracy, completeness, legality, or enforceability of anything Users
record, say, or agree to in the Service. We do **not** guarantee, underwrite,
insure, secure, or enforce repayment of any loan or performance of any
arrangement. Decisions to lend, borrow, give, or repay are yours alone.
**1.7 Not a legal instrument.** Records you create in the Service are informal
and may be incomplete or inaccurate. They are **not** drafted as, and should not
be relied upon as, legally binding contracts, promissory notes, or other legal
instruments, and they may not satisfy the legal requirements of your jurisdiction
for an enforceable agreement. **You are solely responsible for the legal form,
validity, and enforceability of your arrangements**, including any separate
written agreement you may need.
---
## 2. Eligibility
To use the Service, you must be at least 18 years old and have the
legal capacity to enter into a binding contract under the laws of your
jurisdiction. You must not be barred from using the Service under the laws of
the United States of America or any other applicable jurisdiction, and you must not
be located in, or a resident of, any country or region, or on any list, that is
subject to economic sanctions or embargoes that would make your use of the
Service unlawful. By using the Service, you represent and warrant that you meet
these requirements.
The Service is currently offered in and directed to the United States. We make no
representation that the Service is appropriate or available for use in other
locations. If you access the Service from elsewhere, you do so on your own
initiative and are responsible for compliance with local law.
---
## 3. Your account
**3.1 Registration.** You may need to create an account to use parts of the
Service. You agree to provide accurate, current, and complete information and to
keep it up to date.
**3.2 Security.** You are responsible for safeguarding your account credentials
and for all activity that occurs under your account. You agree to notify us
promptly at legal@inneed.io of any unauthorized use or suspected
breach of security. We are not liable for any loss arising from unauthorized use
of your account.
**3.3 One person.** An account is for a single individual. You may not share,
sell, transfer, or license your account to anyone else.
---
## 4. How the Service works
The Service is organized around your **circle** (the people you choose to add),
your **relationships** with those people, the **agreements** you record (such as
a loan, with terms you and the other person set), and the **activity** within each
agreement (cash movements you log, acknowledgments, notes, and reactions). These
are organizational features for your own record-keeping and communication. They
do not change the limited role described in Section 1: the Service records and
displays what Users tell it; it does not create, perform, verify, or enforce
anything.
We may add, change, suspend, or remove features of the Service at any time, as
described in Section 19.
---
## 5. Your responsibilities and assumption of risk
**5.1 Your arrangements are yours.** You are solely responsible for your decisions
to lend, borrow, give, request, or repay money, for the terms you agree to, for
actually sending or receiving any money outside the Service, and for all
consequences of those decisions and actions.
**5.2 Assumption of risk.** **Lending money is risky. You may not be repaid, in
whole or in part, and you may lose the entire amount.** You understand and agree
that you use the Service, and enter into any arrangement, **entirely at your own
risk**, and that InNeed has no responsibility or liability for any loss,
non-payment, late payment, or other harm arising from any arrangement between
Users.
**5.3 Disputes between Users.** Any dispute, disagreement, or claim between you
and another User — including about whether money was sent or received, what was
owed, or whether an arrangement was honored — is **solely between those Users.**
InNeed is not responsible for, and has no obligation to become involved in,
mediate, arbitrate, or resolve any such dispute, and you release us from it as
described in Section 5.4.
**5.4 Release.** To the fullest extent permitted by law, you release
InNeed and the parties listed in Section 14 from any and all claims,
demands, damages, and liabilities of every kind, known or unknown, arising out of
or in any way connected with any arrangement between Users or any dispute between
you and another User. If you are a resident of a jurisdiction that limits such
releases (for example, California Civil Code § 1542), you expressly waive the
protections of any such law to the fullest extent permitted.
**5.5 Compliance and taxes.** You are solely responsible for ensuring that your
arrangements and your use of the Service comply with all laws that apply to you —
including, where applicable, lending, usury, interest-rate, consumer-protection,
and tax-reporting laws — and for determining and paying any taxes arising from
your arrangements. We do not provide tax forms or report anything about your
arrangements to any tax authority.
---
## 6. Your content
**6.1 Your content.** "**User Content**" means anything you submit to the Service —
for example, contact information you add, agreement terms, amounts, notes,
messages, acknowledgments, reactions, and any reference or endorsement you give
about another person. You retain ownership of your User Content.
**6.2 License to us.** You grant InNeed a worldwide, non-exclusive,
royalty-free, sublicensable license to host, store, copy, display, transmit, and
process your User Content **solely** as needed to operate, provide, secure, and
improve the Service and to make your User Content available to the other Users you
direct it to (such as the counterparty to an agreement). This license ends when
your User Content is deleted, except for backups retained for a limited period
and content others have already received. We do **not** sell your User Content and
do **not** use it to build advertising or external credit or reputation profiles.
**6.3 Your representations.** For each item of User Content, you represent and
warrant that you have all rights necessary to submit it; that it is accurate to
the best of your knowledge; and that it does not violate these Terms, any law, or
the rights of any third party.
**6.4 References and endorsements are your own words.** If the Service lets you
vouch for, refer, or provide a reference about another person, **any such
statement is your own personal opinion and statement, made on your sole
responsibility.** It is not made, adopted, verified, or endorsed by InNeed,
and we are not responsible or liable for it. You are solely responsible for
ensuring that anything you say about another person is truthful and lawful.
**6.5 Moderation.** We are not obligated to monitor User Content, but we **may**
review, remove, or restrict any User Content or account, at our discretion,
including content we believe violates these Terms or the law. We are not liable
for any decision to remove or to leave up any User Content.
---
## 7. Acceptable use
You agree that you will **not**, and will not attempt to or help anyone else:
- use the Service for any unlawful, fraudulent, deceptive, or harmful purpose;
- use the Service to harass, threaten, intimidate, defame, or abuse anyone,
including to pressure, coerce, or run a collections campaign against another
User;
- use the Service to make loans in the business of lending, to charge unlawful or
usurious interest, or to engage in payday lending, loan-sharking, or any
regulated lending or money-transmission activity;
- use the Service to launder money, finance illegal activity, or evade sanctions;
- impersonate any person or misrepresent your affiliation with anyone;
- upload anything unlawful, infringing, defamatory, or that contains malware;
- add another person's information, or send anything to them, without the right
to do so;
- access the Service by automated means, scrape it, or harvest data from it;
- probe, scan, or test the vulnerability of, or breach or circumvent, any security
or authentication measure;
- reverse engineer, decompile, or disassemble any part of the Service, except to
the limited extent that applicable law prohibits this restriction; or
- interfere with or disrupt the integrity or performance of the Service.
We may investigate and take appropriate action, including suspending or
terminating your account and reporting conduct to law enforcement, for any
violation.
---
## 8. Privacy
Our [Privacy Policy](https://inneed.io/legal/privacy) explains what information we
collect and how we handle it, and is incorporated into these Terms by reference.
By using the Service, you agree to the practices described in the Privacy Policy.
---
## 9. Third-party services
The Service may rely on or link to services we do not control — for example,
payment apps and banks you use to move money between yourselves, app stores, push
notification services, and authentication providers. We are not responsible for
those third parties, their availability, or their acts or omissions, and your use
of them is governed by their own terms and policies. References to a third party
are not an endorsement.
---
## 10. App-store terms
**10.1 General.** You obtained the InNeed application from a third-party app
marketplace (for example, the Apple App Store or Google Play). Your use of the
application is also subject to that marketplace's terms and usage rules, and you
agree to comply with them.
**10.2 Apple-specific terms.** If you obtained the application from the Apple App
Store, the following additional terms apply, and you acknowledge and agree that:
- These Terms are between you and Talent Express, Inc. only, **not** with Apple
Inc. (**"Apple"**), and Apple is not responsible for the application or its
content.
- Apple has no obligation to furnish any maintenance or support services for the
application.
- Apple is not responsible for any product warranties, whether express or implied.
If the application fails to conform to any applicable warranty, you may notify
Apple, and Apple will refund the purchase price (if any); to the maximum extent
permitted by law, Apple has no other warranty obligation regarding the
application.
- Apple is not responsible for addressing any claims by you or any third party
relating to the application or your possession or use of it, including product
liability claims, claims that the application fails to conform to legal or
regulatory requirements, and claims arising under consumer protection or similar
legislation.
- Apple is not responsible for the investigation, defense, settlement, or
discharge of any third-party claim that the application or your use of it
infringes that third party's intellectual property rights.
- You represent that you are not located in a country subject to a U.S.
Government embargo or designated as "terrorist supporting," and that you are not
on any U.S. Government list of prohibited or restricted parties.
- **Apple and its subsidiaries are third-party beneficiaries of these Terms** and,
upon your acceptance, have the right (and are deemed to have accepted the right)
to enforce these Terms against you as a third-party beneficiary.
---
## 11. Intellectual property
The Service, including its software, design, text, graphics, logos, and the
InNeed name and marks, is owned by Talent Express, Inc. or its licensors
and is protected by intellectual-property laws. Subject to these Terms, we grant
you a limited, personal, non-exclusive, non-transferable, revocable license to use
the Service for your own personal, non-commercial record-keeping. We reserve all
rights not expressly granted. You may not use our name or marks without our prior
written permission.
---
## 12. Feedback
If you send us ideas, suggestions, or other feedback about the Service, you grant
us a perpetual, irrevocable, worldwide, royalty-free license to use it for any
purpose without any obligation or compensation to you.
---
## 13. Disclaimer of warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED **"AS IS"** AND
**"AS AVAILABLE,"** WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.
InNeed AND THE PARTIES LISTED IN SECTION 14 EXPRESSLY DISCLAIM ALL
WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE,
AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE
OF TRADE.
WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT: (a) THE SERVICE WILL BE
UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (b) ANY RECORD, AMOUNT, OR OTHER
DATA IN THE SERVICE IS ACCURATE, COMPLETE, OR WILL NOT BE LOST; (c) ANY
ARRANGEMENT RECORDED IN THE SERVICE IS LAWFUL OR ENFORCEABLE OR WILL BE PERFORMED
OR REPAID; OR (d) THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE OR
INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE SERVICE CREATES ANY
WARRANTY NOT EXPRESSLY STATED HERE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF
THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
---
## 14. Limitation of liability
In this Section and elsewhere, references to **InNeed** include
Talent Express, Inc. and its owners, affiliates, successors, and assigns, and
their respective officers, directors, employees, contractors, agents, and
licensors (the **"InNeed Parties"**).
TO THE FULLEST EXTENT PERMITTED BY LAW:
**14.1** IN NO EVENT WILL THE InNeed PARTIES BE LIABLE FOR ANY INDIRECT,
INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY
LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT
OF OR RELATING TO THESE TERMS OR THE SERVICE, WHETHER BASED ON CONTRACT, TORT
(INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT
WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
**14.2** WITHOUT LIMITING THE FOREGOING, THE InNeed PARTIES WILL HAVE **NO
LIABILITY WHATSOEVER** FOR: (a) ANY MONEY LENT, BORROWED, GIVEN, OWED, OR NOT
REPAID; (b) ANY ARRANGEMENT BETWEEN USERS OR ANY USER'S PERFORMANCE OR
NON-PERFORMANCE OF IT; (c) ANY DISPUTE BETWEEN USERS; (d) THE ACTS, OMISSIONS,
CONTENT, OR STATEMENTS OF ANY USER OR THIRD PARTY; OR (e) ANY INACCURACY IN, OR
LOSS OF, ANY RECORD OR DATA.
**14.3** IN NO EVENT WILL THE InNeed PARTIES' TOTAL AGGREGATE LIABILITY FOR
ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE
GREATER OF (a) THE TOTAL AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE
one (1) year BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR
(b) 100 U.S. DOLLARS (US$100).
**14.4** THESE LIMITATIONS ARE A FUNDAMENTAL BASIS OF THE BARGAIN BETWEEN YOU AND
US AND APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME
JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY
TO YOU; IN SUCH CASES, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY
LAW.
---
## 15. Indemnification
To the fullest extent permitted by law, you agree to indemnify, defend, and hold
harmless the InNeed Parties from and against any and all claims, demands,
disputes, damages, losses, liabilities, costs, and expenses (including reasonable
attorneys' fees) arising out of or relating to: (a) your use of the Service; (b)
your User Content; (c) any arrangement you enter into or any dispute between you
and another User; (d) your violation of these Terms or any law; or (e) your
violation of the rights of any third party. We may assume the exclusive defense
of any matter subject to indemnification by you, in which case you agree to
cooperate with us.
---
## 16. Dispute resolution; binding arbitration; class-action waiver
**PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING
YOUR RIGHT TO SUE IN COURT AND TO HAVE A JURY TRIAL.**
**16.1 Informal resolution first.** Before starting an arbitration, you and we
agree to try to resolve the dispute informally for at least 30
days. Send a written notice describing the dispute and the relief you seek to
legal@inneed.io (for notices to us) or to the email associated with
your account (for notices to you). Many disputes can be resolved this way.
**16.2 Agreement to arbitrate.** If we cannot resolve a dispute informally, you
and we agree that any dispute, claim, or controversy arising out of or relating to
these Terms or the Service (a **"Claim"**) will be resolved by **binding
individual arbitration**, rather than in court, except as set out in Section 16.6.
This agreement to arbitrate is governed by the Federal Arbitration Act.
**16.3 Administrator and rules.** The arbitration will be administered by
the American Arbitration Association ("AAA") under the AAA Consumer Arbitration Rules then in effect, as
modified by these Terms. If the administrator is unavailable, you and we will
select a substitute. The arbitration will take place in New York, New York,
or by video or telephone, or — for claims under the applicable small-dollar
threshold — based on written submissions, unless the arbitrator orders an in-person
hearing.
**16.4 Class-action and jury waiver.** **YOU AND WE AGREE THAT EACH MAY BRING
CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR
CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE
PROCEEDING.** The arbitrator may not consolidate more than one person's Claims and
may not preside over any form of a representative or class proceeding. **YOU AND
WE ALSO WAIVE ANY RIGHT TO A JURY TRIAL.**
**16.5 Arbitrator's authority.** The arbitrator has exclusive authority to resolve
any Claim, including any dispute about the interpretation, applicability, or
enforceability of this arbitration agreement, except that a court decides whether
the class-action waiver in Section 16.4 is enforceable. The arbitrator's award is
binding and may be entered as a judgment in any court of competent jurisdiction.
**16.6 Exceptions.** This Section does not require arbitration of: (a) an
individual claim brought in small-claims court, so long as it stays there; or (b)
a request for an injunction or other equitable relief to stop infringement or
misuse of intellectual property or violation of the security/acceptable-use
provisions. Either party may seek such relief in the courts identified in
Section 17.
**16.7 Your right to opt out.** **You may opt out of this arbitration agreement
(Sections 16.2–16.5) within 30 days of the date you
first accept these Terms** by sending a written notice to
legal@inneed.io that includes your name, the email associated with your
account, and a clear statement that you want to opt out of arbitration. Opting out
will not affect any other part of these Terms, and it will not affect any prior
or separate arbitration agreement between you and us.
**16.8 Severability.** If the class-action waiver in Section 16.4 is found
unenforceable as to a particular Claim or request for relief, then that Claim or
request will be severed and brought in the courts identified in Section 17, while
all other Claims proceed in arbitration. If any other part of this Section is
found unenforceable, the remainder stays in effect.
**16.9 Survival.** This Section survives termination of these Terms and your
account.
---
## 17. Governing law and venue
These Terms and any Claim not subject to arbitration are governed by the laws of
the State of New York, the United States of America, without regard to its
conflict-of-laws rules, and (where applicable) by the Federal Arbitration Act. For
any Claim not subject to arbitration, you and we submit to the **exclusive
jurisdiction and venue** of the state and federal courts located in
New York County, New York, and you waive any objection to those courts on grounds
of inconvenient forum.
---
## 18. Term and termination
**18.1 By you.** You may stop using the Service and delete your account at any
time.
**18.2 By us.** We may suspend or terminate your access to the Service at any
time, with or without notice, including if we believe you have violated these
Terms or to protect the Service or other Users.
**18.3 Effect.** On termination, your license to use the Service ends. Sections
that by their nature should survive — including Sections 1, 5, 6.2, 11, 12, 13,
14, 15, 16, 17, and 20 — survive termination.
---
## 19. Fees, and changes to the Service and to these Terms
**Fees.** The Service is currently provided to you free of charge. **We reserve
the right to introduce fees for the Service, or for any part of it, in the
future.** If we do, we will give you reasonable advance notice, and we will not
begin charging you a recurring fee without your agreement. You may decline any
new fee by not subscribing to the paid part of the Service and, if you wish, by
ceasing to use it. Introducing or changing fees is a change to these Terms and
will be handled as described in the rest of this Section.
**Changes to the Service and to these Terms.** We may modify, suspend, or
discontinue the Service, or any part of it, at any
time. We may also update these Terms from time to time. If we make a material
change, we will provide reasonable notice (for example, by posting the updated
Terms with a new "Last updated" date or by notifying you in the Service). Changes
are effective when posted unless stated otherwise. **Your continued use of the
Service after a change takes effect means you accept the updated Terms.** If you
do not agree, you must stop using the Service.
---
## 20. General
**20.1 Entire agreement.** These Terms and the Privacy Policy are the entire
agreement between you and us about the Service and supersede any prior agreements
on that subject.
**20.2 Assignment.** You may not assign or transfer these Terms or your account
without our prior written consent. **We may freely assign or transfer these Terms,
in whole or in part, to any successor or affiliate — including in connection with
incorporating the business, a reorganization, a change in the individual or entity
operating InNeed, a merger, or a sale of assets — without your consent.**
These Terms bind and benefit the parties and their permitted successors and
assigns.
**20.3 Severability.** If any provision of these Terms is held unenforceable, that
provision will be limited or severed to the minimum extent necessary, and the
remaining provisions will stay in full force.
**20.4 No waiver.** Our failure to enforce any provision is not a waiver of our
right to do so later.
**20.5 Force majeure.** We are not liable for any delay or failure to perform due
to causes beyond our reasonable control.
**20.6 Notices and electronic communications.** You consent to receive
communications from us electronically, including by email and through the Service,
and you agree that electronic communications satisfy any legal requirement that a
communication be in writing. We may give notice to you via the email associated
with your account or by posting in the Service. You may give notice to us at
legal@inneed.io.
**20.7 Headings.** Section headings are for convenience only and do not affect
interpretation.
---
## 21. Contact us
Questions about these Terms? Contact:
- **Talent Express, Inc.**
- Email: legal@inneed.io
- Support: support@inneed.io
- Web: https://inneed.io