LendBook › Guides › Is LendBook a loan app?
Is LendBook a loan app?
Short answer: no. LendBook does not lend money, disburse loans, or move funds — and it does not access your contacts. It's a private record-keeping app for loans you have personally given or taken: a digital version of your own khata book.
The "loan app" label has been damaged by predatory lending apps that harass borrowers and misuse contacts. LendBook is the opposite of that. It never lends, never contacts anyone on your behalf, and nothing leaves your control.
What LendBook is — and isn't
| LendBook does NOT | LendBook DOES |
|---|---|
| Give, disburse or fund loans | Help you record loans you've given or taken |
| Move money or process payments | Track balances, interest and dues (you record them) |
| Connect borrowers to lenders | Stay entirely private to your own account |
| Upload or store your contacts | Read only a single contact you choose to import |
| Chase, message or harass anyone | Remind you (on your device) of your own dues |
| Show ads or sell your data | Stay ad-free; your data is yours alone |
So what is it, really?
Think of LendBook as a private digital ledger — a khata or bahi-khata in your pocket. If you lend to family, friends or customers, you enter each loan once and record repayments as they come in; LendBook keeps the interest, balances and dues straight, and can produce statements and reports. It's bookkeeping software, not a financial service.
Is it private and safe?
- Yours only — your records are encrypted and tied to your authenticated account; no one else can read them.
- Locked — protect the app with a PIN or fingerprint.
- No data selling — no ads, no profiling, no sale or rental of your information.
- You're in control — export everything as a CSV, or permanently delete your account and data, any time. See our Privacy Policy.
A note on the people you record
Much of what you enter — borrower names and details — is information about other people, kept inside your own private account. You decide what to record, and you're responsible for having the right to record it. LendBook simply stores it for you; it never shares it or contacts anyone.
A private book for your lending — nothing more, nothing less
Track what you've lent or borrowed, safely and privately.
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