Legal information
We believe in keeping things clear and fair. Here you’ll find the terms, policies, and disclosures that explain how Bondlord works, how we protect your information, and what to expect when using our platform.
Effective date: April 22, 2026
1. Acceptance of Terms
By accessing or using the Bondlord platform (“Platform”), operated by Bondlord, LLC (“Bondlord,” “we,” “us,” or “our”), you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Platform.
2. Description of Services
Bondlord provides a digital platform that helps users identify, apply for, and obtain surety bonds, including license & permit bonds, contract bonds, and related financial products.
Bondlord may:
Provide AI-assisted recommendations
Facilitate applications with third-party surety carriers (e.g., Tokio Marine HCC)
Enable digital issuance of certain bonds
Important: Bondlord is not a surety carrier and does not itself issue bonds.
3. Eligibility
You must:
Be at least 18 years old
Provide accurate and complete information
Have authority to act on behalf of your business (if applicable)
4. User Responsibilities
You agree to:
Provide truthful, accurate, and current information
Not misrepresent your identity, business, or financial condition
Comply with all applicable laws and licensing requirements
Failure to do so may result in denial, cancellation, or legal consequences.
5. No Guarantee of Approval
Bond approval is not guaranteed.
All underwriting decisions are made by third-party surety providers based on:
Creditworthiness
Financial data
Business history
Risk assessment
Bondlord does not control or override these decisions.
6. AI & Information Disclaimer
Bondlord uses AI to assist in identifying bond requirements and recommendations.
You acknowledge:
AI-generated results may not always be complete or accurate
You are responsible for verifying requirements with your municipality or governing authority
Bondlord is not liable for errors in regulatory interpretation.
7. Fees & Payments
Fees for bonds are determined by third-party carriers
Bondlord may earn commissions or fees from issued bonds
All payments are final unless otherwise stated
Refund policies may vary by bond type and carrier.
8. Third-Party Relationships
Bondlord works with third-party providers, including:
Surety carriers
Payment processors
Data providers
We are not responsible for the actions, decisions, or policies of these third parties.
9. Limitation of Liability
To the fullest extent permitted by law:
Bondlord shall not be liable for:
Denial of bond applications
Business losses or missed opportunities
Regulatory penalties or compliance issues
Indirect, incidental, or consequential damages
10. Indemnification
You agree to indemnify and hold harmless Bondlord from any claims arising from:
Your use of the Platform
False or misleading information you provide
Violations of law or third-party rights
11. Intellectual Property
All content, branding, and technology on the Platform are owned by Bondlord or its licensors.
You may not copy, distribute, or reverse engineer any part of the Platform.
12. Termination
We may suspend or terminate access at any time for:
Violation of these Terms
Fraudulent or suspicious activity
Legal or regulatory requirements
13. Governing Law
These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles.
14. Changes to Terms
We may update these Terms at any time. Continued use of the Platform constitutes acceptance of the updated Terms.
15. Contact
Bondlord, LLC
317 Canal St., STE A
Lemont, IL 60439
Support@bondlord.com
1. Overview
Bondlord respects your privacy and is committed to protecting your personal and business information.
2. Information We Collect
Personal Information
Name, email, phone number
Business details (company name, EIN, address)
Identification information (if required)
Financial & Underwriting Information
Credit-related data (for certain bond types)
Business financials and history
Ownership structure
Usage Data
Device, browser, IP address
Platform interactions
3. How We Use Information
We use your information to:
Identify required bonds
Process applications
Facilitate underwriting with carriers
Improve our Platform
Communicate with you
4. Sharing of Information
We may share your information with:
Surety Carriers
Including providers like Tokio Marine HCC for underwriting and issuance.
Service Providers
Payment processors
Cloud hosting
Analytics providers
Legal & Compliance
If required by law or to protect our rights.
5. Data Security
We take data security seriously and implement administrative, technical, and physical safeguards designed to protect your information.
Your data is stored using secure cloud infrastructure providers that maintain industry-standard security certifications, including SOC 2 Type II compliance. Data is encrypted in transit and at rest using strong encryption protocols (such as AES-256).
We utilize access controls, authentication measures, and monitoring systems designed to restrict unauthorized access and detect potential security issues. This includes account-level protections such as role-based access, API key controls, and multi-factor authentication where applicable.
To support data integrity and resilience, we employ safeguards such as redundancy, replication, and protection against unauthorized modification or deletion.
While we take reasonable steps to protect your information, no system can be guaranteed to be 100% secure. By using the Platform, you acknowledge and accept this inherent risk.
6. Data Retention
We retain information as long as necessary to:
Provide services
Meet legal and regulatory obligations
Resolve disputes
7. Your Rights
Depending on your location, you may have rights to:
Access your data
Correct inaccuracies
Request deletion
To exercise these rights, contact us at support@bondlord.com.
8. Cookies & Tracking
We use cookies and similar technologies to:
Improve user experience
Analyze usage
Support platform functionality
You can control cookies through your browser settings.
9. Third-Party Links
Our Platform may contain links to third-party websites. We are not responsible for their privacy practices.
10. Children’s Privacy
The Platform is not intended for users under 18.
11. Changes to This Policy
We may update this Privacy Policy. Continued use of the Platform indicates acceptance.
12. Contact
Bondlord, LLC
317 Canal St., STE A
Lemont, IL 60439
Support@bondlord.com
Bondlord, LLC (“Bondlord,” “we,” “us,” or “our”) operates as a licensed insurance producer (also known as an insurance broker or agent) in applicable jurisdictions.
1. Producer Licensing
Bondlord is licensed to solicit, negotiate, and sell surety bonds in certain U.S. states.
Licensing status varies by state. For the most current information regarding our licenses, please contact us at: licensing@bondlord.com
Additional licensing details may also be available through your state’s Department of Insurance.
2. Role in the Transaction
Bondlord acts as an insurance producer and intermediary between customers and surety providers.
We do not act as a surety company
We do not assume liability under any bond
All bonds are issued by licensed surety carriers, such as Tokio Marine HCC and other authorized insurers
3. Compensation Disclosure
Bondlord may receive compensation in connection with the placement of surety bonds, including:
Commissions paid by surety carriers
Fees associated with certain transactions (where permitted by law)
This compensation may vary depending on the bond type, carrier, and underwriting factors.
4. Fiduciary Relationship
Bondlord does not undertake a general fiduciary, legal, tax, accounting, or other advisory duty to any customer, principal, indemnitor, obligee, or third party in connection with insurance or surety bond transactions. Bondlord acts solely in its capacity as a licensed insurance producer and, where applicable, as an appointed representative of the issuing insurer or surety.
Notwithstanding the foregoing, any premiums, return premiums, or other funds required by applicable law to be held in a fiduciary capacity will be handled in accordance with such law.
5. Availability of Products
Bondlord works with a limited number of surety carriers and does not guarantee access to all carriers or all bond products available in the market.
6. State-Specific Disclosures
Certain states may require additional disclosures related to licensing, compensation, or consumer rights.
If you are located in a state with specific disclosure requirements, additional information may be provided during the application or issuance process.
7. Questions
If you have questions about our licensing, compensation, or role in the bonding process, please contact:
Bondlord, LLC
317 Canal St., STE A
Lemont, IL 60439
Licensing@bondlord.com