Terms of Use

LendMail is operated by OfferCrew LLC (“LendMail,” “we,” “us,” or “our”). These Terms of Use apply to lendmail.fit, its guides and tools, and the LendMail connector for AI assistants (together, the “Service”). By using the Service, you agree to these terms. If you don’t agree, don’t use the Service.

1. What LendMail is

LendMail explains credit card, loan, and similar offers that people receive in the mail. LendMail is not a lender, broker, credit bureau, or financial adviser, and does not make loans or credit decisions. Content and analysis results are general information only, not financial, legal, or tax advice. Offer terms, rates, and eligibility are set by the company that sent the offer; confirm them with that company before you act.

2. Automated analysis

Analysis results are generated automatically, including with third-party AI models, and may be incomplete or wrong. Check important details, such as rates, fees, dates, and response codes, against the original mail piece.

3. The LendMail connector

The connector lets an AI assistant you choose start an analysis session and retrieve the result. You upload the photo on lendmail.fit through a session link; session links expire after 30 minutes and can be used once. Your AI assistant is provided by a separate company under its own terms and privacy policy, and LendMail does not control what that assistant does with results. We may change, rate limit, suspend, or discontinue the connector at any time.

4. Your uploads

Only upload mail you have the right to share. Don’t upload documents with Social Security numbers, full account numbers, or other sensitive identifiers you aren’t comfortable sharing. How we handle uploads is described in our Privacy Policy.

5. Acceptable use

You agree not to:

• use the Service for anything unlawful, fraudulent, or deceptive;
• overload, scrape at scale, probe, or interfere with the Service, or try to get around rate limits or access controls;
• upload malware or content you don’t have the right to share; or
• misrepresent LendMail results as coming from a lender or other company.

6. Affiliate links and third-party sites

Some pages and some connector results include affiliate links, including a link to compare personal loan rates with Upstart. LendMail may earn a commission if you check a rate or apply through these links. This does not change our analysis. Third-party sites have their own terms and privacy policies, and we are not responsible for them.

7. Intellectual property

The Service, including its text, design, and software, belongs to OfferCrew LLC or its licensors. You may use it for your own personal, non-commercial purposes. Company names and logos belong to their owners and are used only to identify offers.

8. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement, to the extent permitted by law.

9. Limitation of liability

To the extent permitted by law, OfferCrew LLC is not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from decisions you make based on the Service. Our total liability for any claim related to the Service is limited to $100.

10. Changes

We may update these terms. The “Last updated” date above changes when we do. Continuing to use the Service after an update means you accept the revised terms.

11. Contact

Questions about these terms: use the contact page.