[META] BorrowersSub rules — read before borrowing or lending

BorrowersSub is a public forum for documenting private peer-to-peer loans. It is not a lender, broker, bank, escrow service, collection agency, credit bureau, or guarantor. Participation is at your own risk and subject to applicable law.

These rules apply equally to borrowers, lenders, moderators, and the community owner:

1. Be civil. No threats, harassment, discrimination, intimidation, or doxxing.
2. No spam, referral schemes, vote manipulation, duplicate promotion, or unsolicited advertising.
3. Preserve the public record. Do not delete, hide, or materially rewrite transaction history.
4. Never publish sensitive information, including names, addresses, phone numbers, email, IDs, bank data, payment handles, signatures, or employer contacts.
5. No unsolicited private contact. Lenders must first comment publicly on the request.
6. One loan request per 24 hours. Do not evade limits with alternate accounts.
7. Follow all applicable lending, interest, fee, licensing, tax, privacy, sanctions, and debt-collection laws.
8. One person, one account. No purchased, shared, or household sockpuppet accounts.
9. Record every loan, renewal, rollover, and additional advance arising from this community.
10. Use approved titles and truthful terms. State principal, currency, total repayment, due date, location, and payment methods accurately.
11. No upfront fees, deposits, collateral, gift cards, crypto tests, or advance “verification” payments.
12. No passwords, one-time codes, recovery codes, bank logins, remote access, full government identifiers, or intimate images.
13. Respect existing obligations. Do not seek another loan while overdue or conceal active loans.
14. Record outcomes promptly as Funded, Paid, Late, Unpaid, or Disputed.
15. Cooperate with safety moderation and provide only redacted evidence through modmail.

A lender claim alone does not prove nonpayment. Late or unpaid findings and permanent bans require a linked public record and moderator review. Moderators who lend receive no exception or priority.

Start here: https://www.reddit.com/r/borrowersSUB/wiki/index/ Safety guide: https://www.reddit.com/r/borrowersSUB/wiki/safety/ Contact moderators: https://www.reddit.com/message/compose?to=/r/borrowersSUB