Terms of Service
These Terms of Service ("Terms") govern your use of the Tupeer platform (the "Service"). By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 18 years old, a U.S. resident, and have legal capacity to contract. The Service is currently available only to borrowers in select U.S. states. Lenders must complete KYC verification and may need to demonstrate accredited-investor status for certain product structures.
2. The Service
Tupeer operates a peer-to-peer credit marketplace that:
- Underwrites loan applications using cash-flow signals and standardized eligibility rules
- Presents approved applications to lenders for whole-loan funding (one lender funds one loan in full — no fractional notes)
- Services active loans (payment processing, statements, collections, tax documents)
- Maintains a parallel bank-partner rail for applications that route through a partner bank
3. Borrower Terms
If you apply for credit through Tupeer:
- You authorize us to evaluate your application using the information you provide and the cash-flow signals you make available (e.g., bank-link data when integrated)
- You will receive a Truth-in-Lending Act (TILA) disclosure before any loan is finalized, showing the APR, monthly payment, total of payments, and total finance charge
- If your application is declined, you will receive an adverse-action notice within 30 days describing the principal reasons, as required by ECOA / Reg B
- If you accept an offer, the loan terms in the executed loan documents control over any marketing material on this site
- You agree to make payments according to the agreed-upon schedule. Late or missed payments may result in fees, additional interest, and reporting to consumer reporting agencies
4. Lender Terms
If you fund loans through Tupeer:
- You commit the full whole-loan amount when you commit to a listing — no fractional commitments are accepted
- You are the lender of record for each loan you fund. Tupeer services the loan on your behalf but does not custody your funds
- You acknowledge the risk that any loan may default, may be charged off, or may be paid off early without yield
- You will receive periodic statements detailing your portfolio and tax documents (Form 1099-INT) annually for interest income
5. Fees
Tupeer's fee schedule for borrowers and lenders is published in the in-app fee disclosure and in the loan documents executed at funding. We do not collect fees not disclosed in those documents.
6. Prohibited use
You may not use the Service to:
- Provide false, misleading, or stolen information in an application
- Apply for credit on behalf of another person without authorization
- Reverse-engineer, scrape, or otherwise access the Service in ways that disrupt other users
- Engage in money laundering, terrorism financing, or any other activity prohibited by law
7. No financial advice
Information on this site (including risk grades, AI-generated lender summaries, and underwriting decisions) is provided for informational purposes only and does not constitute investment, legal, tax, or financial advice. Consult your own advisors before making any investment or borrowing decision.
8. Disclaimer of warranties
The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
9. Limitation of liability
To the maximum extent permitted by law, Tupeer's aggregate liability arising out of or relating to these Terms or the Service is limited to the greater of $100 or the fees you have paid to Tupeer in the 12 months preceding the claim. We are not liable for indirect, consequential, special, exemplary, or punitive damages.
10. Dispute resolution
Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You may opt out of this arbitration provision within 30 days of first accepting these Terms by emailing legal@tupeer.com. You retain the right to bring an individual action in small-claims court.
11. Governing law
These Terms are governed by the laws of the State of Delaware without regard to conflict-of-law rules. The credit transaction itself is governed by the law of the borrower's state of residence as required by state lending licensing rules.
12. Termination
You may close your account at any time from the in-app account-closure page (subject to outstanding loan obligations). We may suspend or terminate accounts for violation of these Terms, fraud, or risk to the Service.
13. Changes to these Terms
We may update these Terms from time to time. For material changes, we will notify users by email at least 30 days before the changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.
14. Contact
Questions about these Terms: legal@tupeer.com