Terms

Tukay records informal loans between people. It is not a lender, bank or payment service: we never hold or move money, and we don't lend to anyone. Transfers happen between your own bank accounts.

You must be 18 or older and use your real name. Your $tag is yours for good and can't be changed. Keep your sign-in to yourself.

A Tukay Paper records what both of you agreed: the amount, the due date and any note. The lender signs when they create it, and it only counts once the borrower signs too. Paying back is between the two of you; Tukay doesn't guarantee anyone will.

Paybacks count once the lender confirms them, or automatically after 48 hours. A lender can say a payment didn't arrive, and the borrower can push back once with a receipt.

Everyone starts at 500. Paying back early, on the day or late, and defaults reported after 30 days late, move your score as shown on the score page. We may adjust the rules to keep them fair. The Tukay Score is about your record on Tukay; it isn't a credit report.

Don't record payments you didn't make, dispute ones you received, upload fake receipts, or use Tukay to harass anyone. We may suspend accounts that do.

Tukay is in beta. We work hard to keep it running and your records accurate, but it's provided as is, and we aren't responsible for loans that aren't paid back or for losses from using it.

If these terms change, we'll update the date at the top. Using Tukay after that means you accept the new version.