Begging Money

Financial Hardship Help

  • Home
  • Ask For Help
  • FAQ
  • Donate

Last Updated: February 14, 2025

Urgent Financial Assistance Request: A Second Chance to Rebuild

Hello,

My name is Cornelius Wells, and I am reaching out for financial assistance as I work to overcome a challenging period in my life. After 18 years of dedication to my job at Technicolor/Vantiva, I was unexpectedly laid off in March 2024. While this was a difficult setback, I chose to use the time wisely by enrolling in LabFour’s Cybersecurity program to gain new skills and transition into a stable career or even entrepreneurship.

However, at this period of unemployment, I fell behind on my financial obligations. I now owe:

  • $20,000 to the IRS
  • $1,500 in credit card debt
  • $2,250 in unpaid rent

These debts are weighing heavily on me, and I am doing everything I can to improve my situation. I have been actively applying for full-time positions while working short-term contracts and work orders in the meantime. Unfortunately, these temporary jobs do not provide consistent income, making it difficult to catch up on my financial responsibilities.

I am not asking for a handout—I am asking for a chance to get back on my feet. With your help, I can clear my debts, stabilize my living situation, and fully focus on securing long-term employment in cybersecurity, a field I have trained for and am passionate about.

I have always been a hardworking, dedicated, and responsible person. At my previous job, I was promoted to Production Lead within a year, and I took on IT troubleshooting tasks even without formal certification. I am determined to succeed in my new career path, but I need immediate financial relief to avoid falling deeper into hardship.

Any support, whether large or small, would mean the world to me. It would provide the stability I need to continue my job search without the overwhelming burden of debt. If you are willing to help, I assure you that your generosity will not go to waste—I am committed to working hard, paying it forward, and rebuilding my life.

Thank you for taking the time to read my story. If you are able to assist or know someone who can, please reach out. Your kindness and support could be the turning point that allows me to move forward with confidence and hope.

With gratitude,
Cornelius Wells

paypal.me/corneliuswells1

Filed Under: Emergency Money Tagged With: USA

Last Updated: February 14, 2025

In humility I’m asking for help to avoid homelessness.

I hope this message finds you well. My name is Lucy Busso, and I am a 69-year-old widow struggling as a small business owner. Due to increasing competition and my inability to afford advertising or a website, my financial situation has become extremely difficult. Over time, I had to take out loans just to repay previous ones. I work everyday outside on keeping my plants growing but not being able to buy supplies to continue makes it difficult in my succulent business.

I have done everything I can to keep my head above water including selling my truck—an essential asset for my business—but it has not been enough to break free from this cycle. My greatest wish is to able to pay all my bills and be able to afford to continue my business with advertising plus afford a new used truck.

Unfortunately, I have gotten behind in all my bills so far that I will soon loose my utilities and home. Facing homelessness at my age, especially with disabilities, is terrifying. The total amount I owe to banks is $25,000.

As a payment method, I am leaving my PayPal information below for convenience. I am reaching out with humility and hope, asking if you would consider helping me pay off my loans. Any support, no matter the amount, would make a huge difference in allowing me to regain financial stability and focus on securing a better future.

If you are willing to assist or know anyone who may be able to help, I would be forever grateful.

Thank you very much for reading my message.

Sincerely,
Lucy Busso

paypal.me/LucyBusso

Filed Under: Emergency Money Tagged With: USA

Last Updated: February 14, 2025

75 000 DOLLARS TO SAVE LIVES IN DANGER

Dear kind and generous Donators,

Iam Mr Charly living in Abidjan, married and Father of four Children. This article is to sollicite your help.  My family and I were part of the  victims of  the destruction of some sites in Abidjan. Since then we were stranded  and left without a shelter, no workshop, no job, no source of income.

Your donations will help me to restart my business of selling ice fish and meats. Your donations will also help the family to hire a house and solve feeding , health and wellbeing problems. We need at least 75 000 US DOLLARS to solve these pressing situations, its really urgent.

God bless you, and thank you for your kindness, by this act of generous giving you are saving a family life in danger today.

You can donate through this link: https://paypal.me/bust408?country.x=FR&locale.x=fr_FR

 

Filed Under: Emergency Money Tagged With: Africa

Last Updated: February 14, 2025

Single Mother/Entrepreneur Facing Eviction (paypal.me/SPinnock814)

Hi! My name is Shantel. I am a hard working full time mom and an Entrepreneur in Baltimore, Maryland. I own and operate a Pro Makeup Artistry company with a great reputation and over 10 years of consistent clientele (shantelthemua.com). I went full time during the pandemic after loosing my Marketing Director position. I have an amazing seven-year-old son that I am supporting on my own financially. Over the past few months, I have been experiencing some challenges in business revenue, which has created a major setback in my ability to cover basic living expenses for my son and I. It has all snowballed and I am now over my head in financial distress. I am currently 4 months behind on my rent and am facing an upcoming eviction from a home that I have been renting for 13 years. This is the only home my son knows and I am confident that if I can catch up this month that I will be back on track financially with incoming invoice revenue from clients scheduled this month and contracted jobs that have been scheduled. My landlord that has been more than understanding. I have applied for several jobs to catch up on my expenses with little success. This has been a challenging time for small businesses and creatives in my area for some time now, with the change in the economy for those who support our businesses in general. It is very unlikely for me to get on a public platform to ask for help, but social services has not even been able to help financially with a lot of those struggling locally even with employment. Many of the grants that are typically available to help those in situations like myself have been exhausted. I have gone to over 12 agencies in my area who typically are able to help out with those who are in these financial situations, and all have stated that they are funds are not available and have been drained at this time. As humble as I know how, I am only asking to be caught up on my rent to avoid being set out in eviction. $4000-5000, but anything will help reach my goal. I am appreciative of any help or resources financially or otherwise that could be offered to me. I am not even asking for money to be directly made out to myself, but  donated funds can also be made out to my landlord directly. I appreciate anyone reading this that is taking the time to understand my story in my situation. I pray that this reaches an individual or company that may be able to help in anyway possible God bless.

Filed Under: Eviction Notice Tagged With: USA

Last Updated: February 14, 2025

Seeking Financial Assistance to Support My Family

Dear Sir/Madam,

I hope this message finds you well. My name is [Your Name], and I am a civil servant in Türkiye. During the pandemic, I faced financial hardship and had to take out bank loans to provide for my son and family. Unfortunately, over time, I had to take additional loans just to repay previous ones, and now, a significant portion of my salary is being deducted every month.

I have done everything I can, including selling my car, but it has not been enough to break free from this cycle. My greatest wish is to receive my full salary without deductions so that I can provide a better life for my family.

The total amount I owe to the banks is $20,000. However, as a payment method, none of the commonly used international channels like PayPal work in Türkiye. I can only receive support through Western Union, MoneyGram, or cryptocurrency, for which I have just opened a wallet. I am sharing my wallet ID below for convenience.

I am reaching out with humility and hope, asking if you would consider helping me pay off my loans. Any support, no matter the amount, would make a huge difference in allowing me to regain financial stability and focus on securing a better future for my loved ones.

If you are willing to assist or know someone who might be able to help, I would be forever grateful. Thank you for taking the time to read my message.

Bitcoin: 14nTghggGEhJqvavyqXZmMX5V7NzSyUCgs

Best regards,

Filed Under: Emergency Money Tagged With: EU

Last Updated: February 25, 2025

Alone and Desperate

My name is Melanie, I live alone and have nobody or nowhere else to turn too. Therefore, I am asking you today to find it in your heart to help me out a little if you can. I need to come up with $3,000 asap.

My significant other of 16years passed away and I’ve been trying to make it ever since. It has been very hard. I did find a good job but had to quite not long after I started because I developed carpel tunnel. Surgery is going to be needed; however, I need to pay my rent and bills until then. I know that $3,000 may not seem like a lot, but it is to me. I have tried everything I could to come up with the money, but nothing has panned out. So, I am now begging anyone to please help me. I promise that I will pass it on and help someone else when I can do so.

Thank you for reading my story and for this site. God bless you!!!!!

https://paypal.me/mltraina. thank you.

Filed Under: Emergency Money Tagged With: USA

Last Updated: February 13, 2025

I lost my job and life savings due to an accident.

Hello, I am here begging for assistance to get my life back on track. In 2019, I was in a job related accident, I used to be a Police Officer in my country. There are not alot of benefits but if you have the money you can get benefits from other insurances. I believed that the insurance that was paid mandatory from my salary every month from my work would have suffice incase of accident or injury but it was proven to be wrong. In February, 2020, I was layed off. I tried to get council to assist me in getting justice after 12 years of service but in the end I was unsuccessful. Now in 2025, I am here begging for someone, any one to help get my life back. I am a woman who suffers from chronic pain everyday. My short term memory has never been the same due to the concussion.Both my knees and back hurt more everyday, my feet are constantly swollen. I have never been able to get proper treatment for my situation but I have seek doctors help and they all just shut it down saying I need rest. After my accident I tried to work odd jobs but was let go due to inability to function because of my pain. Now I teach preschoolers. It’s a nice job and I enjoy it but the pay is not good enough to cover the bills I had while I was a Police Officer. I had a mortgage and a small loan that I am now unable to pay fully. I have been taken to court over the mortgage and the loan and a settlement has been reached. I now remain to pay $10.000 dollars. All I ask is that some help me pay this bill off so I can use my pay to finally go to a proper doctor to get help with my pain. All of this has made the pain worse because of stress but I am trying my hardest to cope. My situation may not be to bad to many but being in financial ruin over something you had no hand in doing hurt greatly. So I am putting myself out there and asking for help, if there is any more information needed, I will be very glad to offer it, thank you for taking the time to read my story.

Filed Under: Emergency Money Tagged With: USA

Last Updated: February 13, 2025

Accepted a job offer, moved across country, company gave job to someone else

It sounds like a Billy Bob Thornton movie but it really happened. The company said I could keep the relocation money and offered me another position lower on the totem pole with less pay. I had to say no just out of principle. I do not want to work for someone who would do this after weeks of logistics and preparation.

We sold practically everything and loaded what was left in a U-haul before we left Atlanta to move to Reno. I am burning up zip recruiter, monster, linkedIn, etc with resumes and applications. I have had several interviews and expect a job soon, but I also expected to be earning a paycheck a few months ago.

God bless my wife. She is working road shows pulling 12 hours days for 10 days straight with just 3 days off before going back to another road show (selling cookware at Costco). She is the best thing that ever happened to me but it only brings in grocery money and a few bills.

Bottom line is that we are big believers in paying it forward. We’ve raised 5 wonderful kids, have 3 grandkids, and have been there for those who have needed a helping hand. Now we need one.

please donate if you can: paypal.me@anthonytamelio

 

Filed Under: Emergency Money Tagged With: USA

Last Updated: February 13, 2025

College student struggling.

Hi there. My name is alyssa, I’m 21 years old and just recently enrolled in a college course. However, not even 4 days ago I woke up to a message from my boss stating that his business was evicted from the building’s landlord, has refused any communication and has refused to compensate myself and the rest of my coworkers for the last month we have worked. There is nothing for jobs currently. My student loan payments start coming out in March, I have rent on March 1st. I was the breadwinner for rent and bills between my mom and I who live together. I’ve been trying to apply for as many jobs as I can, I’ve posted selling items on FB, I don’t know what to do. This is not something I usually do, this is a last resort for me to find any help I can.

Filed Under: Rent Tagged With: Canada

Last Updated: February 13, 2025

Last plea for help before I lose everything

I’ve never been in a situation where I had to let go of my dignity and pride to ask for help. But due to unforeseen circumstances, I’m now fighting a battle that I will never be able to overcome by myself and there has been plenty of times where I just wanted to give up… just to end it all.

It all started when I decided to take a leap and invest in crypto to generate a passive income. I needed to be financially more secured to be able to help my parents more than what I could, especially now that my mom’s health is deteriorating. But things went horribly wrong… I lost everything.

No one knew that I invested, and I could never tell anyone, this was something that I had to keep secret.  I had to pretend that I was financially secured so I had to loan money from financial institutes to still support my family who put their trust in me to help them…

I started selling things in my house to buy food and medicine (I also have a chronic medical condition), and I tried to do extra work after hours, but my work schedules clashed with all the overtime I had to do. I eventually lost my house and had to apply for an additional loan to pay the deposit and first months’ rent pushing me further into unwanted debt.

Lawyers contacted me 2 days ago demanding payment… but I have nothing to give them. When I get my salary at the end of the month, it won’t cover all the bills due, and my new rent. What I have left to sell at home isn’t worth much so it won’t cover the loans I had to make, but it will be enough for some food.

I’m only a few days away from losing everything I have left if I don’t pay my debt. I would be incredibly grateful if you could please help me with some form of financial aid with my overwhelming debt of $25000. Any funds that I receive will only be used to pay off my debt accumulated over the last couple of months, including any back payments of accounts in arrears, personal loans and credit cards.

Thank you for taking time to consider my plea for help. I truly appreciate your kindness and willingness to support those in need.

 

You can send any support via PayPal at:  https://www.paypal.me/CharneEts

Bitcoin wallet:  3Egi11o12RS9ZFLWzHDEEENaKYWrg5yBdE

 

Yours sincerely,

Charné

Filed Under: Emergency Money Tagged With: Africa

Last Updated: February 13, 2025

Cancer Treatment Expenses – UK

Thank you so much for sparing your time to read this. Asking for help especially financially is one of the hardest things I’ve ever had to do, but I’m at a point where I truly need help.

I’m a young IT Technician working for the NHS, earning an AFC Band 4 salary of £26,530 a year. My life took an unimaginable turn after a routine appointment unexpectedly led to a diagnosis of hepatic angiosarcoma, a rare and aggressive liver cancer.

The news shattered me. With little family left to turn to for emotional or financial support, I felt lost. The NHS, much to my disappointment, couldn’t provide the treatment I needed, as they deemed it too expensive and not viable. I was left with one choice: private treatment. As terrifying as it was, I wanted to give myself a chance to experience more of life.

While my Bupa health insurance covered the initial diagnostics involved (£7,500), they won’t cover any of the treatment itself. The total cost for the treatment currently stands at an overwhelming £409,677.

I did everything I could to gather as much as possible: every penny I had saved for a house deposit, along with money my parents and grandparents had set aside for me as a child. In total, I managed to put together £21,380. This has left me with a debt of £388,397 and now no house deposit too, and my monthly take-home pay is nowhere near enough to cover even the cheapest repayment plans.
Now, I’m struggling to cover even essential costs like food, car insurance, and diesel just to keep myself alive and working.

As unusual as it feels to ask for money over the internet, I really do not have any more options. I worked so hard to build my self a skilled career, to save as much as I could for a house deposit and make sure I could secure myself a comfortable life. I’m glad to know I’ll be a survivor of my cancer and feel I’m forever in debt to the medical staff who treated me but the costs associated with the treatment is just slowly destroying what was left of my life.

Any support anyone is able to give would mean more to me than words could ever describe, everything helps.
Thank you so much again for taking the time to read about my situation and for any help you may be able to offer. 💙

https://www.paypal.me/Swain07

Filed Under: Medical Bills Tagged With: UK

Last Updated: February 13, 2025

In need if You can help I would be very grateful

I was diagnosed with a stroke also with a heart artery blockage had to get surgery now I suffer from dizziness and the affects of the stroke on top of that I am also diabetic type 2 I have been seeking employment to no avail I could seriously use some help paying my bills so anything You can spare would be greatly appreciated thank You

https://www.paypal.com/paypalme/StephenBickelmann

Filed Under: Emergency Money Tagged With: USA

Last Updated: February 13, 2025

PLEASE HELP ELDERLY/DISABLED -. SAVE FORECLOSURE

Dear fellow citizens and anyone else with hearts to read this urgent message for help.

Each day we never know who will come our way to disrupt our peaceful life.  God only know why and am learning each day despite it all.

Praying for anyone who sincerity understand our needs to rescue from silent transfer of title of our beloved home of many years planned for rest of life and three other luxury rentals.  A senior near 80young with disabled adult who Helped many whenever possible

after losing more than $1.5M rental income from covid19 disaster.

One remaining lender asking $60,000 today to extend for 3 more months and save rental property from foreclosure.

Worked very hard and saved to plan for a nice peaceful retirement with more than 9 rentals but now down to last one.  This lender already helped with 2 extensions and I understand their frustration.  This house was planned for my disabled son after it is prepared for safety as a group home with a few buddies from his day program as a family cared by a trained caregiver.  Was waiting for release of Heloc to do some repairs but funds was frozen by the “devil” instead paid himself.

Was promised funds from 4 secured HELOCS (loans) offered by this “devil” and  assigned him a promissory note woth $400,000 to help me out of covid19 disaster to complete recovery by end 2024.  Should have caught up with all payments and on my way to a peaceful and better life again by lst of 2025 after 6 years of covid19 torture with defaulted tenants and closing/opening of ice cream store mandate.  Lost income.

But this scam “angel” turned “devil”  broke every promises after releasing some teaser funds then freeze them up and drowning me into deeper financial tunnel and no money instead of recovery as majority of income from rentals.

Only one remaining offering extension for 3 months which helps recovery and a place we could call home.

Otherwise, Soon could be forced out on cold street from home and be separated because social service viewed this as inability to provide a safe home for disabled child.  Searched all programs and no free service available for elderly facing foreclosure and losing years of hardwork  to have passive income to retire just when Covid19 hit and destroyed my childhood dream and plan to retire without begging for social help.  Very disappointed and sad renters have no hearts to pay rent for beautiful safe homes while I have now to bear the consequences of keeping them safe and we have to keep up all expenses but depleted every penn

Regret not hanging up phone with call from  “angel” who promised to kick last tenants out, manage my properties and help with financial recovery completely including taking care of child if I die. Believed him initially saving a lot of loan interest with plan to get me out of financial stress.

When rehapping one rental, he gave just enough money from loan to pay my hired licensed contractor then stop releasing money.  He insisted he could send his guys save money and do a better job quickly.   His roofer and guys left interior/exterior unfinished since June 2024 and Feb 2025.   Janaury, silently took titles to properties to resell for profit when repairs done.  I never wanted to sell.  Left with no money as promised but he deceitfully control more than $3M in equity from luxury rentals and assigned note.

He is controlling my financial assets and pushing us to be homeless without money and utilities threatening shut offs which happened last few months and this week.  He does not care.

Could not afford legal assistance because they are overloaded with cases and no time.  All other attorneys need retainer or hang up.

So today is last day to pray for help to send $60000 to a rental lender who has offered one last extension but needed money to please investors.  This only remaining rental not controlled by “angel” is our only means of survival left by renting rooms.

Could not believe spent moe than 40 years of hardwork to acquire properties only to lose them because of one major disaster after another. encouraging tenants not to pay to prevent homelessness.

Always worked with tenants but now realize shockingly my good deeds all my life  helping others is ending with hearltess people who care less what happened to us even friends who run away when you are no longer financially wealthy.

I never dream ever to lose own home after losing other rentals to foreclosure forced by unfair CA laws protecting tenants but no help for landlords.

Faced with no home in my name and no money to survive this storm, was told by social service last week no free program available to keep us together and child has to be taken to a group home soon.

I would be sharing a big hall of beds among oher homeless.  If I want a room it will cost $900/month.  There is no free help even for elderly like me and so very sad the system is hopelessly unfair to hardworking citizens who did the right thing.  A lot of elder protection programs  advertised but no idea where they are as told sorry.

At this age, no desire to be separated from son as planned I could finally retire and enjoy a good life together until God takes me home.  Paid the most taxes in the county with properties since 1986 but now unable even to keep up with payments anymore but still threatened with liens and foreclosre.

Had to cut short lease end Feb 2025 for an ice cream store of 6.5 years as “angel” PROMISED funds to update.   Instead he was used remainder  for his own glory.   The purpose of store was to provide another service to local community of over 17 years in order to give back as grateful residents.   Kind neighbors and local services are all aware of disabled child and kept watch if out on street.  Extremely sad as unable to have grand opening planned and carry on mission to help teens with part-time income to help their families and have to let them go.  Warning:  Hang up if any stranger calls to save you from anything.  They are scams.

If your heart feels our pain and have compassion to please help us send the required amount to save from foreclosure and legal assistance to stop further damage by “angel”.  Will always remember forever this graciously if successful and will return with great gratitude by helping others in pain as well.  Life is about being kind and helping each other in pain in any community to be meaningful and fulfilled but my mission was cut short by one little mistake of trusting the wrong person.

Praying for your God blessings of many returns to you and family for helping us out of this disaster.  Gratefully yours.

paypal.me/Anny88981

Filed Under: Home Foreclosure Tagged With: USA

Last Updated: February 13, 2025

I cant take it any more. Its too much pain

My name is Jimmy, and for almost five years, I have been battling what is widely recognized as the world’s most painful disease: Morgellons Disease. This relentless condition has dramatically altered my life, stripping away not just my physical well-being, but also my sense of self and my ability to be the supportive partner my wife deserves. I am an engineer at heart, someone who thrives on inventiveness and the satisfaction of fixing what is broken. Yet, in my current state, I find myself unable to fulfill even the simplest tasks. The pain I endure daily often leaves me in tears, and it is heart-wrenching to witness the toll this has taken on my wife, who bears the weight of my suffering alongside me. As I navigate these isolating moments, it becomes increasingly clear that I need specialized medical treatment that is unfortunately located in the next state over. This journey to reclaim my life and alleviate my suffering is not just about me; it is also about the love I share with my wife, who deserves to see me healthy and whole again. Right now, I am reaching out for help. Financial constraints prevent us from affording the treatment I desperately need, and I’m committed to doing whatever it takes to recover. Your support could make a pivotal difference in my quest to regain not just my health, but my identity as a husband and an engineer. https://www.paypal.me/jimmyb951

Filed Under: Emergency Money Tagged With: USA

Last Updated: February 13, 2025

Save Our Family Home From Foreclosure- After Tragic Loss

Hello, I hope this letter finds you in good health and high spirits. We’re the Jacobs Family, my name is GLary, and I am reaching out with a heavy heart, hoping to find compassionate souls who might be willing to lend a helping hand during our time of need. I am the eldest of six children, and our family is facing the heartbreaking reality of losing our home after suffering a devastating loss.

In July 2024, we lost our mother at the young age of 77, the heart and soul of our family. She was an incredibly strong woman who faced unimaginable challenges with grace and courage. In her final years, she battled Parkinson’s disease and Dementia, all while caring for my special-needs sister who is now 52 years young my mom held our family together. Her love and dedication were unwavering, even as her health deteriorated. Her passing has left a void in our hearts and has placed us in a difficult financial situation that we are struggling to overcome.

As her condition worsened, my mother did everything she could to keep our family afloat. In her effort to provide for us and cover mounting expenses, she was persuaded to take out a reverse mortgage on our family home. At the time, to her it seemed like the only option to manage the financial burden, but it came at a cost we are now struggling to pay.

With her passing, the reverse mortgage became due, and we are on the edge of losing the place we have called home for decades. This house is more than just four walls; it’s a small, older home, but it is filled with memories of love, laughter, and comfort. It is the only home we have ever known, and it holds special significance for my special-needs sister, who relies on the familiarity and stability it provides.

The payoff amount to buy back the mortgage and save our home from foreclosure as of January 2025 is $79,000. We are now going into our last three month extension, July 2025 is the expiration date to purchase our home.  For our family, this is an overwhelming number, but it represents the hope of preserving our sanctuary during this painful time. We are doing everything we can to gather the funds, but we cannot do it alone.

As a last resort, we are reaching out, hoping to find kind-hearted individuals willing to help us keep our family home. Any financial contribution, no matter the size, would bring us closer to our goal. Your generosity would not only save our home from foreclosure, but also give us the stability we desperately need as we grieve and heal.

If you are unable to contribute financially, we would also be deeply grateful for any other form of assistance. We are even willing to consider alternatives, such as someone paying off the reverse mortgage company with an agreement for us to buy the house back over time. Our only wish is to get the house out of the reverse mortgage company’s hands and keep our family together in the only home we have ever known.

Every dollar and every prayer makes a difference. Your support and kindness mean more to us than words can express.

From the bottom of my heart, thank you for taking the time to read our story. Your compassion gives us hope during this challenging time.

With heartfelt gratitude,
Glary

paypal.me/SaveTJHome

 

Filed Under: Home Foreclosure Tagged With: USA

  • « Previous Page
  • 1
  • …
  • 99
  • 100
  • 101
  • 102
  • 103
  • …
  • 412
  • Next Page »

Categories

  • Animals
  • Begpackers
  • Business Capital
  • Car Repairs
  • Cryptocurrency
  • Dental
  • Emergency Money
  • Eviction Notice
  • Funeral Costs
  • Home Foreclosure
  • Medical Bills
  • Mortgage
  • Rent
  • Scammers
  • Single Dads
  • Single Moms
  • Student Loans
  • Tuition Fees
  • Uncategorized
  • Wishes
  • Contact

Copyright ©2016 · Legal Disclaimer, a TOS & Privacy Policy