Terms of Service
Effective October 6, 2026
These terms govern use of the Talnory public website, operated by Friendly Loans LLC (“we,” “us,” or “our”). By using this website, you agree to these terms to the extent permitted by applicable law. If you do not agree, please stop using the website.
What Talnory does
Talnory is the consumer-facing brand of Friendly Loans LLC. Talnory is a documentation and recordkeeping platform designed to help parties define agreement terms, track payment records, maintain shared records, and obtain appropriate party approval for material changes.
Talnory does not make, fund, broker, or service loans. Talnory is not a lender, loan broker, payment processor, debt collector, or party to your private agreement. Payment records do not move funds or establish that a payment has cleared.
Website information and availability
This website provides general product information and a way to contact us. Illustrative examples are fictional and are not loan offers, actual customer records, or promises of product availability. Features and availability may change. Any future app access, paid features, or subscriptions will be subject to the terms and disclosures presented for that service.
No professional advice
Website content and recordkeeping tools are not legal, tax, financial, or investment advice. We do not assess creditworthiness, recommend loan terms, guarantee repayment, or guarantee that an agreement is lawful or enforceable. Obtain independent professional advice when needed.
Agreements remain the parties’ responsibility
The parties are responsible for their decisions, lawful terms, accurate records, payments, and compliance with applicable requirements. Appropriate party approval is required for material changes within the product’s approval process. Recording an approval does not override applicable law or independently establish legal enforceability. Talnory does not adjudicate disputes or enforce repayment.
Acceptable use
You may not use this website unlawfully, impersonate another person, submit information you are not entitled to share, interfere with its operation, attempt unauthorized access, or introduce harmful code. Do not send private information about other people without appropriate authority.
Content and intellectual property
The Talnory name, website design, and original website content belong to Friendly Loans LLC or their respective rights holders. You may view and use the website for its intended informational purpose. These terms do not transfer intellectual-property rights to you.
Privacy and external services
Our Privacy Policy explains how information is handled on this website. External sites and your email provider operate under their own terms and policies.
Disclaimers and responsibility
To the extent permitted by law, this website is provided “as is” and “as available,” without warranties of uninterrupted availability, completeness, or fitness for a particular purpose. To the extent permitted by law, Friendly Loans LLC is not liable for indirect or consequential losses arising from use of this informational website. Nothing in these terms excludes liability or consumer rights that cannot lawfully be excluded or limited.
Changes
We may update this website and these terms. Updated terms will be posted here with a revised effective date. Material changes will apply prospectively, subject to applicable law. If any provision cannot be enforced, the remaining provisions continue to apply to the extent permitted by law.
Contact
Questions about these terms may be sent to Friendly Loans LLC at phillip@talnory.com.