Equipment Lending Program Terms

PAY IT FORWARD EQUIPMENT LENDING PROGRAM TERMS
Effective Date: July 17, 2026

These Pay It Forward Equipment Lending Program Terms (“Program Terms”) govern participation in the peer-to-peer equipment lending program made available through I Want To Mow Your Lawn Inc. (“IWTMYL,” “we,” “us,” or “our”).

By listing equipment, requesting equipment, accepting a match, signing an Equipment Loan Agreement, or otherwise participating in the program, you acknowledge that you have read, understood, and agreed to these Program Terms.

1. Purpose of the Program

The Pay It Forward Equipment Lending Program helps eligible community members make operational lawn and landscaping equipment available, without charge, to registered volunteers who intend to use that equipment for charitable yard work benefiting older adults, veterans, people with disabilities, families experiencing hardship, and other neighbors in need.

No participant may charge rent, a marketplace fee, interest, or another form of compensation for an equipment loan arranged through the program.

2. Marketplace Facilitator Only

IWTMYL provides technology, administrative tools, communications, and community connections that allow participants to find one another and document a proposed equipment loan.

Unless IWTMYL expressly agrees otherwise in a separate written document:

1. IWTMYL does not own, possess, maintain, inspect, repair, transport, rent, lease, or insure listed equipment.
2. IWTMYL is not the lender, borrower, owner, bailee, renter, lessor, lessee, employer, contractor, agent, guarantor, insurer, mechanic, trainer, or safety certifier in a peer-to-peer loan.
3. The lender and borrower enter into a direct agreement with one another.
4. IWTMYL does not guarantee a participant’s identity, character, experience, competence, financial responsibility, insurance coverage, reliability, or suitability.
5. IWTMYL does not guarantee the condition, safety, legality, ownership, availability, value, performance, or fitness of any listed equipment.
6. IWTMYL is not required to resolve payment, property, injury, damage, ownership, return, or other disputes between participants.

Administrative approval to use the marketplace means only that an account is currently permitted to participate. It is not a certification, endorsement, background-check representation, or safety guarantee.

3. Eligibility

A participant must:

1. Be at least eighteen years old.
2. Have the legal capacity to enter into a binding agreement.
3. Maintain accurate account and contact information.
4. Use the marketplace only for lawful, charitable, and noncommercial purposes.
5. Comply with these Program Terms, the general IWTMYL Terms and Conditions, applicable laws, manufacturer instructions, and reasonable safety requirements.
6. Not be impaired by alcohol, cannabis, illegal drugs, misused medication, fatigue, or another condition that could make equipment use unsafe.
7. Not allow a minor or an unauthorized person to possess or operate equipment obtained through the program.

IWTMYL may require identity, phone, email, volunteer-status, or other verification before permitting a participant to list, request, borrow, or receive equipment.

4. Permitted Equipment

IWTMYL may determine which equipment categories are permitted and may impose category-specific requirements.

Permitted equipment must be:

1. Lawfully owned or controlled by the person listing it.
2. Fully operational and suitable for its intended ordinary use.
3. Equipped with all manufacturer-installed guards, shields, handles, switches, safety devices, labels, and protective components.
4. Free from known dangerous defects.
5. Free from an unresolved safety recall.
6. Accurately identified by manufacturer, model, serial number when available, power source, condition, accessories, and known limitations.
7. Supplied with appropriate instructions or access to the manufacturer’s operating manual.

IWTMYL may reject or remove any listing, including equipment that appears unsafe, materially modified, recalled, stolen, incomplete, inappropriate for charitable use, or inconsistent with program requirements.

5. Prohibited Equipment and Materials

Unless IWTMYL has expressly approved a category in writing, participants may not list or exchange:

1. Recalled equipment that has not received the manufacturer’s approved remedy.
2. Equipment with removed, bypassed, disabled, or materially altered safety devices.
3. Homemade equipment or equipment containing material nonmanufacturer modifications.
4. Equipment known to be damaged, unstable, leaking, sparking, overheating, or otherwise unsafe.
5. Road-registered motor vehicles, utility vehicles, trailers, or equipment requiring an operator license or special insurance.
6. Pesticides, herbicides, fuels, hazardous chemicals, controlled substances, or other hazardous consumable materials.
7. Equipment that the listing participant does not legally own or have authority to lend.
8. Any other category designated as prohibited by IWTMYL.

Higher-risk equipment—including riding equipment, chainsaws, pole saws, chippers, stump grinders, tractors, and similar machinery—may require separate approval, training acknowledgments, proof of experience, proof of insurance, or additional agreements.

6. Lender Responsibilities

A person listing or lending equipment (“Lender”) represents and agrees that:

1. The Lender owns the equipment or has the owner’s express authority to lend it.
2. All listing information is accurate and complete.
3. The Lender has disclosed all known defects, repairs, modifications, missing components, unusual operating characteristics, and safety concerns.
4. The equipment is in reasonably safe operating condition at the time of transfer.
5. The Lender has checked the equipment’s manufacturer and model information for unresolved recalls before transfer.
6. The Lender will not conceal a defect or represent unsafe equipment as operational.
7. The Lender will provide all keys, chargers, batteries, guards, accessories, and instructions identified in the transaction.
8. The Lender will participate in the pickup condition report and provide truthful information regarding the equipment.
9. The Lender will not demand payment, a deposit, collateral, unrelated labor, or another personal benefit that was not clearly disclosed and approved through the platform.
10. The Lender will communicate respectfully and will not use the transaction to enter a participant’s property without permission.

7. Borrower Responsibilities

A person requesting or receiving equipment (“Borrower”) represents and agrees that:

1. The Borrower has sufficient knowledge, physical ability, and experience to operate the equipment safely.
2. The Borrower will inspect the equipment before accepting possession.
3. The Borrower will read and follow manufacturer instructions, warnings, and applicable laws.
4. The Borrower will use appropriate personal protective equipment.
5. The Borrower will use the equipment only for the approved charitable purpose, approved location, approved dates, and approved participant described in the Equipment Loan Agreement.
6. The Borrower will not use the equipment commercially or for personal profit.
7. The Borrower will not lend, transfer, sell, abandon, modify, repair, disassemble, or allow another person to use the equipment without the Lender’s written approval.
8. The Borrower will stop using the equipment immediately if it becomes damaged, unstable, unusually hot, leaking, sparking, difficult to control, or otherwise unsafe.
9. The Borrower will reasonably secure the equipment against theft, weather damage, misuse, and unauthorized access.
10. The Borrower will return the equipment by the agreed deadline in substantially the same condition, ordinary wear from authorized use excepted.
11. The Borrower will report loss, theft, damage, malfunction, injury, property damage, or another incident promptly.
12. The Borrower will not operate equipment while impaired, distracted, or in conditions the Borrower knows or reasonably should know are unsafe.

8. Individual Equipment Loan Agreement Required

A listing, request, match, message, verbal promise, or handshake does not by itself authorize possession or use of equipment.

Before possession is transferred, the Lender and Borrower must complete and electronically sign an Equipment Loan Agreement generated or approved by IWTMYL. The agreement must identify at least:

1. The Lender and Borrower.
2. The equipment and included accessories.
3. The equipment’s condition and disclosed defects.
4. The permitted purpose and location.
5. The pickup date and time.
6. The required return date and time.
7. The person or persons authorized to operate the equipment.
8. Any category-specific safety requirements.
9. The parties’ agreed allocation of responsibility for loss or damage.
10. Pickup and return photographs or condition records.

9. Pickup, Possession, and Return

The parties are responsible for choosing a safe and lawful pickup and return arrangement.

Participants should avoid unnecessary disclosure of residential addresses and should use platform communications whenever available. Neither party is required to permit the other inside a home, garage, shed, fenced area, or other private space.

Possession begins when the parties complete the platform’s checkout confirmation or otherwise document transfer. Possession ends when the equipment has been returned and the platform’s return confirmation has been completed.

An extension is effective only when both parties approve it in writing through the platform or another retained electronic record.

10. Condition Reports and Photographs

The parties will inspect and document the equipment at pickup and return.

The pickup record should show the equipment, serial number when available, included accessories, battery or fuel status, visible condition, safety components, known defects, and any existing damage.

The return record should document the returned equipment and any claimed new damage.

Photographs and condition records are intended to document the transaction. They do not constitute an inspection, warranty, appraisal, or safety certification by IWTMYL.

11. Damage, Loss, Theft, and Mechanical Failure

Unless the individual Equipment Loan Agreement states otherwise:

1. The Borrower is not responsible for ordinary wear resulting from authorized and careful use.
2. The Borrower is not responsible for a latent defect, previously existing damage, ordinary mechanical failure not caused by misuse, or a defect the Lender knew about and failed to disclose.
3. The Borrower may be responsible for reasonable and documented repair or replacement costs resulting from misuse, negligence, unauthorized use, failure to reasonably secure the equipment, unauthorized modification, failure to return the equipment, or intentional misconduct.
4. The Lender may be responsible for losses caused by lack of ownership, an undisclosed known dangerous defect, inaccurate material representations, or the Lender’s negligent or intentional conduct.
5. Neither party may impose an arbitrary penalty. Any claimed amount should reflect reasonable, documented repair costs or the equipment’s reasonable replacement value immediately before the transaction.
6. A disputed damage claim remains a dispute between the Lender and Borrower unless IWTMYL expressly agrees to assist.

Loss or theft must be reported to the other party and IWTMYL promptly and, where appropriate, to local law enforcement or an insurer.

12. Assumption of Risk

Lawn and landscaping equipment can cause serious bodily injury, death, fire, property damage, noise exposure, vibration injury, cuts, burns, projectile injuries, and other harm.

Each participant voluntarily assumes the ordinary and inherent risks associated with possessing, transporting, inspecting, operating, storing, and returning equipment, to the fullest extent permitted by applicable law.

Nothing in these Program Terms releases a person from liability that cannot legally be waived, including liability that applicable law imposes for gross negligence, reckless conduct, intentional misconduct, fraud, or the knowing concealment of a dangerous defect.

13. Insurance

IWTMYL does not represent that a participant or transaction is insured.

Each participant is responsible for determining whether the participant’s homeowner, renter, automobile, umbrella, business, equipment, health, accident, or other insurance applies to the possession, transport, lending, or use of borrowed equipment.

A participant should not assume that IWTMYL’s insurance, another participant’s insurance, or a homeowner’s insurance will cover an injury, loss, theft, or damage claim.

IWTMYL may require proof of insurance for selected equipment categories or transactions.

14. No Equipment Warranty

Except for the express representations contained in an individual Equipment Loan Agreement, equipment is provided by the Lender on an “as is” and “as available” basis.

IWTMYL makes no warranty, express or implied, regarding equipment, including any warranty of safety, merchantability, fitness for a particular purpose, ownership, condition, durability, performance, or noninfringement.

This section does not eliminate an express representation made by a Lender or excuse fraudulent concealment, gross negligence, reckless conduct, or intentional misconduct.

15. Release of IWTMYL

To the fullest extent permitted by law, each participant releases and holds harmless IWTMYL and its directors, officers, employees, agents, representatives, affiliates, donors, sponsors, and volunteers from claims arising from or relating to:

1. The condition, possession, transportation, storage, use, misuse, loss, theft, damage, repair, or return of equipment.
2. Statements, conduct, omissions, or agreements of another marketplace participant.
3. An injury or property loss occurring during a peer-to-peer transaction.
4. The failure of a participant to perform an agreement.
5. The availability or unavailability of insurance.
6. IWTMYL’s decision to approve, reject, suspend, remove, or discontinue a listing, participant, match, or transaction.

This release does not apply to liability that applicable law does not permit to be released or to harm directly caused by IWTMYL’s gross negligence, reckless misconduct, intentional misconduct, or fraud.

16. Participant Indemnification

Each participant agrees to indemnify, defend, and hold harmless IWTMYL and its directors, officers, employees, agents, representatives, affiliates, donors, sponsors, and volunteers from third-party claims, losses, liabilities, judgments, penalties, costs, and reasonable legal expenses arising from that participant’s:

1. Breach of these Program Terms or an Equipment Loan Agreement.
2. False representation regarding ownership, condition, experience, authorization, or intended use.
3. Negligent, reckless, unlawful, or intentional conduct.
4. Unauthorized use or transfer of equipment.
5. Infringement or violation of another person’s property or legal rights.
6. Acts or omissions of a person whom the participant permitted to possess or use the equipment.

This indemnification obligation will be applied only to the extent permitted by applicable law and according to the participant’s responsibility for the claim.

17. Incidents and Cooperation

Participants must promptly report serious injuries, fires, thefts, significant property damage, police involvement, dangerous equipment failures, or suspected fraud through the designated IWTMYL incident-reporting process.

Participants agree to preserve relevant photographs, communications, receipts, reports, and transaction records and to reasonably cooperate with an insurance, safety, or legal investigation.

IWTMYL may suspend an account or listing while reviewing an incident. A review is an administrative safety measure and is not a determination of legal fault.

18. Communications and Conduct

Participants must communicate respectfully and in good faith.

Harassment, threats, discrimination, coercion, retaliation, public shaming, repeated unwanted contact, misuse of personal information, or attempts to obtain unrelated personal favors are prohibited.

IWTMYL may limit communications, mask contact information, preserve platform messages, suspend an account, or direct participants to cease contact.

19. Suspension and Removal

IWTMYL may reject, pause, cancel, remove, or restrict any listing, request, match, transaction, or account when it believes doing so may protect safety, privacy, property, program integrity, or the organization.

Participation is a privilege and not an entitlement. IWTMYL does not guarantee that a listing will be approved, that equipment will be requested, or that a request will be accepted.

20. Disputes Between Participants

The Lender and Borrower should first attempt to resolve a dispute through written communication and supporting documentation.

IWTMYL may provide records or administrative assistance but is not required to mediate, investigate, determine fault, collect money, recover equipment, or enforce an Equipment Loan Agreement.

A dispute solely between a Lender and Borrower will ordinarily be governed by the law identified in their Equipment Loan Agreement. Platform-related disputes involving IWTMYL remain subject to the governing-law and venue provisions in IWTMYL’s general Terms and Conditions.

21. Electronic Agreements and Records

Participants consent to conducting marketplace transactions electronically.

A participant’s typed name, checked acknowledgment, electronic signature, one-time verification code, or selection of a button clearly labeled to indicate agreement may constitute that participant’s signature and intent to be bound.

IWTMYL may record the agreement version, participant account, date, time, electronic acceptance, verification status, device or network information, transaction details, condition reports, photographs, and related communications.

Each participant will be given an opportunity to access, retain, download, or receive a copy of the completed agreement.

22. No Tax, Legal, or Insurance Advice

Information made available through the marketplace is general program information. IWTMYL does not provide legal, tax, appraisal, mechanical, safety, or insurance advice.

An equipment loan is not a charitable contribution of the equipment and does not by itself create a charitable tax deduction.

A direct gift from one participant to another is not represented by IWTMYL as a tax-deductible donation to IWTMYL.

23. Changes to the Program

IWTMYL may modify these Program Terms or program requirements. Material changes will apply prospectively unless an immediate change is reasonably necessary for safety, legal compliance, fraud prevention, or platform security.

The terms in effect when an individual Equipment Loan Agreement is signed will govern that transaction unless the parties validly agree otherwise.

24. Severability and No Waiver

If any provision is determined to be invalid or unenforceable, it will be applied to the maximum extent permitted, and the remaining provisions will remain in effect.

Failure to enforce a provision on one occasion is not a waiver of the right to enforce it later.

25. Entire Program Agreement

These Program Terms, IWTMYL’s general Terms and Conditions and Privacy Policy, the applicable Equipment Loan Agreement, and any incorporated condition report constitute the complete agreement governing participation in an equipment-loan transaction.

Where an individual Equipment Loan Agreement contains a specific term that conflicts with these Program Terms, the specific term will control solely between the Lender and Borrower for that transaction. The general IWTMYL Terms and Conditions will continue to govern each participant’s use of the website and platform.