Terms & Conditions

Last Updated: January 21, 2026

1. INTRODUCTION

Welcome to Just Borrow That ("Platform," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of the Just Borrow That platform, website, and services. By accessing or using our Platform, you agree to be bound by these Terms.

 

Just Borrow That operates as a peer-to-peer rental marketplace connecting owners/lenders ("Owners") with renters ("Renters") for the temporary rental of items.

2. DEFINITIONS

  • "Owner" or "Lender": A user who lists items for rent on the Platform

  • "Renter": A user who rents items from Owners through the Platform

  • "User": Any person who accesses or uses the Platform, including both Owners and Renters

  • "Item": Any product, equipment, or goods listed for rent on the Platform

  • "Rental Transaction": The complete process of renting an item, from booking through return

  • "Service Fee": The fee charged by JustBorrowThat for use of the Platform

  • "Security Deposit": A refundable amount held to cover potential damage or loss of a rented item

3. ELIGIBILITY

To use Just Borrow That, you must:

 

  • Be at least 18 years of age

  • Have the legal capacity to enter into binding contracts

  • Provide accurate and complete registration information, including a profile photo

  • Maintain the security of your account credentials

4. FEES AND PAYMENT TERMS

4.1 Service Fee

Just Borrow That charges a service fee on all rental transactions. The current service fee structure is:

 

  • Owner Fee: 10% of the rental amount (deducted from the Owner's payout)

  • Renter Fee: 12% of the rental amount (added to the Renter's total at checkout)

  • Total Platform Fee: 22% (10% from Owner + 12% from Renter)

  • Service fees are subject to change with 30 days' notice to users

 

Example: For a $100 rental:

 

  • Renter pays: $100 (rental) + $12 (service fee) = $112 total

  • Owner receives: $100 (rental) - $10 (service fee) = $90 payout

  • Platform receives: $10 + $12 = $22 total service fee

4.2 Payment Processing Fee

All payments are processed through Stripe, our third-party payment processor. Stripe charges a processing fee for each transaction, which is:

 

  • Standard Stripe processing fee: 2.9% + $0.30 per transaction

  • This processing fee applies to all rental payments

  • Processing fees are automatically calculated and included in the transaction

4.3 Security Deposit Terms

For Owners/Lenders:

 

When an Owner elects to require a security deposit for their rental listing:

 

  • The Owner has the option to enable a security deposit feature for any listed item

  • The Owner is responsible for paying the Stripe processing fee associated with holding and returning the security deposit

  • The security deposit amount is set by the Owner based on the item's value and condition

  • The processing fee for the security deposit is separate from the rental payment processing fee

  • This fee structure ensures Owners maintain control over security requirements while bearing the associated costs

 

For Renters:

 

  • If a security deposit is required, the full deposit amount will be authorized on your payment method at the time of booking

  • The security deposit is held securely by Stripe during the rental period

  • The security deposit is automatically returned to the Renter once:

    • The item is returned on time

    • The item is returned in the same condition as when rented (normal wear and tear excluded)

    • The Owner confirms receipt and condition of the returned item

  • Security deposit returns typically process within 5-7 business days after confirmation

  • If the item is damaged, lost, or not returned, the Owner may claim all or part of the security deposit through our dispute resolution process

4.4 Payment Timeline

  • Renters are charged the rental amount plus the 12% service fee at the time of booking confirmation

  • Owners receive their payout (rental amount minus 10% service fee) within 3-5 business days after the rental return is confirmed

  • All payments are processed in USD

4.5 Refunds and Cancellations

  • Cancellation policies are set by individual Owners

  • Refund amounts depend on the timing of cancellation and the Owner's stated policy

  • Service fees are non-refundable except in cases of Platform error or fraud

  • Security deposits are always fully refundable when return conditions are met

5. OWNER RESPONSIBILITIES

As an Owner listing items on JustBorrowThat, you agree to:

 

  • Accurately describe all items, including condition, specifications, and any defects

  • Set fair and reasonable rental prices and security deposit amounts

  • Ensure items are clean, safe, and in working condition

  • Respond promptly to rental requests and Renter communications

  • Honor confirmed bookings unless extraordinary circumstances arise

  • Provide clear pickup and return instructions

  • Inspect items upon return and report damage within 48 hours

  • Maintain appropriate insurance on high-value items

  • Understand that you are responsible for Stripe processing fees on security deposits when you elect to require them

  • Comply with all local laws and regulations regarding rental of items

6. RENTER RESPONSIBILITIES

As a Renter using items from the Platform, you agree to:

 

  • Treat rented items with reasonable care

  • Use items only for their intended purpose

  • Return items on time and in the same condition as received

  • Pay all applicable fees, including rental amount and security deposit if required

  • Report any damage or issues immediately to the Owner and Platform

  • Follow all safety instructions and guidelines provided by the Owner

  • Not sublet or share rented items without Owner permission

  • Understand that security deposits will be returned once items are returned undamaged

7. SECURITY DEPOSITS

7.1 Purpose and Authorization

Security deposits protect Owners against damage, loss, or late return of rented items. When a security deposit is required:

 

  • The deposit amount is authorized (not charged) on your payment method

  • The authorization holds the funds but does not withdraw them

  • Authorizations typically remain active for the rental period plus 7 days

7.2 Security Deposit Return Process

Automatic Return:

 

  • Security deposits are automatically returned to Renters when the item is returned on time and undamaged

  • The Owner must confirm receipt and condition within 48 hours of return

  • If the Owner does not report any issues within 48 hours, the security deposit is automatically released

  • Returns process within 5-7 business days after release

 

Damage Claims:

 

  • If an item is damaged, the Owner must submit a damage claim with photographic evidence within 48 hours of return

  • Just Borrow That will review the claim and determine the appropriate deduction from the security deposit

  • Renters have the right to dispute damage claims with evidence

  • Any unused portion of the security deposit is returned to the Renter

7.3 Lost or Stolen Items

  • If an item is lost or stolen during the rental period, the full security deposit may be claimed

  • The Renter must file a police report for items valued over $500

  • Additional charges beyond the security deposit may apply if item value exceeds the deposit amount

8. PROHIBITED ITEMS AND ACTIVITIES

The following items and activities are strictly prohibited on Just Borrow That:

 

Prohibited Items:

 

  • Weapons, firearms, or ammunition

  • Illegal drugs or drug paraphernalia

  • Stolen property or counterfeit goods

  • Items that violate intellectual property rights

  • Hazardous materials or explosives

  • Living animals (except approved pet equipment)

  • Adult content or sexually explicit materials

 

Prohibited Activities:

 

  • Fraudulent listings or misrepresentation of items

  • Harassment or abusive behavior toward other users

  • Attempting to circumvent Platform fees by conducting transactions off-platform

  • Using the Platform for illegal purposes

  • Creating multiple accounts to evade bans or restrictions

  • Manipulating reviews or ratings

9. DISPUTE RESOLUTION

9.1 Communication First

Users are encouraged to resolve disputes directly through Platform messaging.

9.2 Platform Mediation

If direct resolution fails, either party may request Platform mediation:

 

  • Submit a dispute request through your account dashboard

  • Provide all relevant evidence (photos, messages, receipts)

  • Just Borrow That will review and make a determination within 5-7 business days

  • Decisions regarding security deposit deductions are final and binding

9.3 Arbitration

For disputes that cannot be resolved through mediation, parties agree to binding arbitration in accordance with the laws of the State of Illinois.

10. LIABILITY AND INSURANCE

10.1 Platform Liability

Just Borrow That operates as a marketplace platform and:

 

  • Does not own, sell, or rent any items listed on the Platform

  • Is not a party to rental agreements between Owners and Renters

  • Makes no warranties regarding the quality, safety, or legality of items

  • Is not liable for damages, injuries, or losses arising from rental transactions

  • Recommends users maintain appropriate insurance coverage

10.2 User Liability

Users are solely responsible for:

 

  • The condition and safety of items they list or rent

  • Any injuries or damages resulting from item use

  • Compliance with all applicable laws and regulations

  • Maintaining adequate insurance coverage

  • Any tax obligations arising from rental income or expenses

10.3 Limitation of Liability

To the maximum extent permitted by law, Just Borrow That's total liability for any claims arising from these Terms or use of the Platform shall not exceed the total service fees paid by the user in the twelve (12) months preceding the claim.

11. INTELLECTUAL PROPERTY

11.1 Platform Content

All content on the Just Borrow That Platform, including logos, designs, text, graphics, and software, is the property of Just Borrow That or its licensors and is protected by copyright, trademark, and other intellectual property laws.

11.2 User Content

By posting content to the Platform (photos, descriptions, reviews), you:

 

  • Grant Just Borrow That a non-exclusive, worldwide, royalty-free license to use, display, and distribute your content

  • Represent that you own or have permission to post the content

  • Agree that your content does not violate any third-party rights

12. PRIVACY AND DATA PROTECTION

Your use of Just Borrow That is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to our collection, use, and sharing of your information as described in the Privacy Policy.

13. TERMINATION

13.1 User Termination

You may terminate your account at any time by contacting support@justborrowthat.com. Upon termination:

 

  • You must complete or cancel all pending rentals

  • Outstanding fees remain due and payable

  • Security deposits on active rentals remain in effect

13.2 Platform Termination

Just Borrow That reserves the right to suspend or terminate accounts that:

 

  • Violate these Terms

  • Engage in fraudulent or illegal activity

  • Receive multiple valid complaints from other users

  • Remain inactive for extended periods

14. MODIFICATIONS TO TERMS

Just Borrow That reserves the right to modify these Terms at any time. We will provide notice of material changes by:

 

  • Posting updated Terms on the Platform with a new "Last Updated" date

  • Sending email notification to registered users

  • Requiring acceptance of new Terms upon next login

 

Continued use of the Platform after changes take effect constitutes acceptance of the modified Terms.

15. GOVERNING LAW

These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles. Any legal action or proceeding related to these Terms shall be brought exclusively in the courts located in Cook County, Illinois.

16. SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Just Borrow That regarding use of the Platform and supersede any prior agreements.

18. CONTACT INFORMATION

For questions about these Terms, please contact us at:

 

Just Borrow That, Inc.Email: support@justborrowthat.comWebsite: www.justborrowthat.com


By using Just Borrow That, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.