Begging Money

Financial Hardship Help

  • Home
  • Ask For Help
  • FAQ
  • Donate

Last Updated: January 28, 2025

I was scammed! Please Help!

Hello everyone

Unfortunately I was the victim of a scam last year. The person who I thought was kind was actually a scammer and I ended up sending them $10,000 dollars from my credit cards in order to receive a large donation. I should have known better to never give anything to receive a donation. Huge mistake. I don’t know why I didn’t realize it. It’s like my mind was asleep. It’s been difficult for me the last few months. My credit cards have been charged off and I am now with a debt settlement program. I have no money in my savings. I work full time and I have a mortgage and bills every month. I’m unable to save anything and I have nothing in savings. No emergency money at all. All my money from my paycheck goes to my living expenses and my debt settlement program. I really need to have something in my savings for an emergency. I’m asking for $2,000 dollars to put in my savings just so that I at least have something. If there is anyone who would be willing to help me out with any amount, I would be grateful. Please send to

paypal.me/Mike24751

Filed Under: Scammers Tagged With: USA

Last Updated: January 28, 2025

Disabled and 10 Point Buck Just Totalled My Car

Hello, all you amazing and unbelievably kind individuals out there!

I’m in a bit of a pickle, and I’m hoping you can help me out. Picture this: I’m driving home, only a mile away, minding my own business at night, when out of nowhere, a 10-point buck decides to make a grand entrance—or should I say, exit—using my car as his stage. This colossal deer, apparently a fan of extreme sports, leaps from a 7-foot embankment right into my path. With oncoming traffic and no shoulder on this backroad, swerving was out of the question.

Long story short, the deer is fine in heaven now, my car—totaled.

I’m disabled and on SSDI, which means working overtime to cover the costs isn’t an option for me. I’ve managed to save up $2,000 so far, but decent used cars are around $5,000 (out the door price). This includes title, taxes, and first months insurance in the (out the door price). I’m only $3,000 short of getting a used car that I desperately need. I just don’t have money I can save. The 2000 was what I could get help with from my family, some friends, and doing some embroidery work here and there for some people.

My doctor’s appointments are an hour away, and living in a rural area makes Ubering extremely expensive. Unfortunately, I don’t qualify for state benefits because I make $7 too much through SSDI, which means I’m not “poor enough” according to the state.

Any assistance would be a lifesaver. Thanks for taking the time to read this, and I wish you all the best in life, no matter what!

PayPal = paypal.me/djpaule1208

CashApp = $nowrongtime4cake

 

Filed Under: Car Repairs Tagged With: USA

Last Updated: January 28, 2025

Help Me Rebuild and Create a Fresh Start

Dear reader, [Read more…]

Filed Under: Medical Bills Tagged With: USA

Last Updated: February 13, 2025

Just one wish!

Hello my name is Teri and I am an Alameda fire survivor.  Although the Alameda fire happened in Talent, Oregon in 2020 I am still lost and looking for direction.  I have been an artist and photographer for 20+ years.  (you can view my work here: fineartamerica.com/profiles/teri-schuster) I lost everything I owned and held dear in the Alameda fire!  20 years of my own photography and 30 years of my own artwork along with countless other precious irreplaceable items.  Since the fire in 2020 I made many attempts to seek any amount of help from my community, nonprofit groups, the government and FEMA.  No one could have prepared me for the nightmare that would follow after losing everything in the Alameda fire!!

Instead of being met with compassionate, patient and understanding by staff/employees of my community, the nonprofit groups, the government and FEMA I was faced with being bullied, harassed and threatened by FEMA employees.  All because I was trying to stand up and defend myself.  I reached out to everyone I thought would be willing to help stop all the abuse from FEMA employees and was met with silence!  I contacted Senators Wyden and Merkley, The legislative chair for Jackson county Pam Marsh, several local attorneys, the local DA, FEMA itself, the local newspaper, other newspapers outside of Oregon that I thought would care enough to want to run a story, local police and sheriff.  No one would help me get out of the dangerous situation I was in while living in a FEMA trailer park. NO ONE was willing to stand up against FEMA claiming they were untouchable!

After almost waiting two years for housing assistance and being constantly harassed by FEMA and its employees I gave up and moved in with my mom.  During this time in the FEMA trailer park my dad had passed away leaving my mom to live alone.  My 12 year old kitty, Cheetoe had to be put to sleep the following year! As much as I want to be here for my mom, I long to have my independence back.  See…the townhome that burned down below the foundation in the Alameda fire was my home that I rented for 11 years.  My entire life was wrapped up in that place!  I just want to have a space I can call my own again where I am free to be me (if I even know who that is anymore?) where I can exhale and heal from all I have lost and been through!  My own space where I can create new art again!

I am asking for assistance here because I also suffer from medical issues from a car accident back in 2001.  I have not slept more than an hour every 3 days in 25 years.  I also suffer from PTSD, severe Fibromyalgia, Dercum’s disease, an anxiety disorder, nerve damage and pain along with restless leg syndrome.  I have tried so many different avenues to resolve my sleep with no success!  for example; hypnotherapy, acupuncture, sleep meds both over the counter and prescribed.  These medical issues make it difficult for me to find work let alone even get through the interview process so I could afford my own place again!

So my wish here is to have enough money to purchase a small piece of property and a tiny home where I can heal, create a new normal and just try to live again instead of survive!  I have never begged or asked for money from anyone before!  I have always been very independent, never relying on anyone else to help!  I have always been the one to gladly help others, now I am in need of some help and thought it could not hurt to get on here and ask/beg for some!  Really what do I have to lose at this point?  If you have gotten this far, thank you for taking the time to read my story and thank you in advance should you decide to help me in some way achieve my wish! venmo.com/schustert

Filed Under: Wishes Tagged With: USA

Last Updated: January 28, 2025

financial hardships leaving me unable to pay for my mothers cremation. help with financial stability

I am reaching out today with a humble request for financial assistance. The past few months have been an incredibly challenging period in my life, and I am grappling with multiple hardships that have left me in dire need of support. Despite my best efforts, I am unable to manage the weight of these burdens alone.

Tragically, my mother recently passed away. She was a guiding light in my life, and her death has left a void that cannot be filled. Her final wishes were simple and dignified, desiring a cremation that would allow her to rest in peace. Unfortunately, I am struggling to afford the cremation costs due to a series of financial setbacks. The thought of not being able to honor her last wishes is heart-wrenching, as she meant the world to me.

Adding to this distress, I was recently laid off from my job. It will be another 1-2 months before the work is steady enough for me to return. I paint homes and due to the winter season we are limited to indoor work. This sudden loss of income has made it impossible to pay my bills, now at risk of loosing my apartment and my stability in shambles. Being 100% on my own for the first time in my life in a new city with no friends or family. I have been diligently looking into all resources but the process has been slow and demoralizing. Each passing day brings new bills and expenses, and I am barely managing to keep my head above water. I am scared where all my downfalls are going to lead me. Going back to school would be a dream come true but that is far from any reality for me at this point in my life.

Compounding these difficulties, I am also in the end of a painful divorce and the beginning of a custody battle for my beloved 7-year-old daughter. lawyers fees and relocation have drained the small amount of savings I had managed to attain in the 12 year relationship with my ex husband, being a stay at home mom had many loving rewards as a mother, yet the reality that I had no financial means other than what was allowed per his control. Ive come to realize I have a low credit score as I never have established any with all accounts for everything related in his name. My idependance has never been known to exist and that needs to change, with all my confidence broken, I still will not give up!  My ex-husband has been manipulative and controlling throughout our relationship, and his influence continues to cast a shadow over my life. Fighting for custody of my daughter has been emotionally and financially draining and I still have a long way to go, possibly without a reliable lawyer.  She is my greatest joy, and I want to provide her with a safe and loving environment, free from the toxicity of the past.

I am doing everything in my power to rebuild my life and create a stable future for my daughter and myself. However, the financial strain is overwhelming, and I am struggling to meet even the most basic needs. With no family support or resources to fall back on, I am left to navigate these challenges alone. The inability to pay for my mothers cremation has been keeping me up at night and the reason for me to come here. Pleading for some compassion some kindness and my hope that maybe others have felt just how demoralizing life can become, A chance to survive this is all I ask. I just need a “leg to stand on” with that I will climb one ladder rung at a time to stability and I will confidently smile again

I understand that everyone has their own struggles, and it is not easy to ask for help. My hope is that by sharing my story, I can find some solace and support to get through these difficult times. Any assistance, no matter how small, would make a significant difference in easing my burdens and allowing me to focus on healing and rebuilding my life.

Thank you for taking the time to read my plea for help. Your kindness and generosity would mean the world to me and my daughter as we work towards a brighter and more hopeful future.

cash app. $Melissapatrice87

Filed Under: Emergency Money Tagged With: USA

Last Updated: January 28, 2025

Urgent Help Needed to Overcome a Financial Crisis

I am reaching out during an extremely difficult time, seeking support to overcome a financial crisis that has spiraled beyond my control.

A few years ago, my sister faced a devastating divorce and took on significant loans to care for her 1-year-old son, who is now in school. Wanting to help her, I stepped in and provided substantial financial support. However, I was already struggling with the fallout from a failed business investment, which left me with multiple loans.

In trying to manage both her financial burden and mine, I unknowingly fell into a trap of mounting debts with high interest rates. The situation has now escalated to the point where I am constantly receiving collection calls and warnings of severe consequences. I am overwhelmed and have exhausted all possible options to address this crisis.

I am a hardworking individual, confident in my ability to recover over time. However, I urgently need help to pay off immediate dues. The collection agents have set a strict deadline, and I must start repayment within the next 2 days to avoid serious repercussions.

I am humbly seeking financial assistance of ₹10 lakhs to get through this emergency. Your help will give me the chance to stabilize my situation, protect my family, and work toward a sustainable future.

Any support, no matter how small, would mean the world to me during this critical time. Thank you for your kindness and generosity.

payment link – https://www.paypal.com/ncp/payment/LXDZY3G8ZUTCA

Filed Under: Emergency Money Tagged With: Asia

Last Updated: January 27, 2025

Looking for help , I got scammed out of all the money I saved to start a business

Hello,

I have worked for several years in marketing as a single mom without child support or any help from their father or anyone, to pay my bills , feed my kids , keep a roof over their head all while saving every penny I could to one day invest it in starting my own marketing agency to help businesses with their seo and to get their businesses of the ground and running.  I invested in a couple different programs that I believed were going to help me get my business of the ground and running asap. Turns out I got scammed so I’m out all the money I put in and have 2 loans out that I’m having a hard time paying every month because I was promised that I’d start making money within months and would be bringing in more then enough to pay the loans payment. It didn’t work that way and was a scam to get 20,000 plus out of me and now because I can’t pay the loans on time it’s ruined my credit and my credit cards are maxed out and my car just took a shit and it’s on a loan too and now because I can’t get out of this hole I can’t even go trade my car In on one that works !! I’ve worked so hard my whole life to be a good person pay my bills and do all the right things but by making a choice trying to put myself in an even better position for me and my girls , I completely screwed up all the work I had done to be where I’m at as far as financially and credit wise and I’m just so upset. I’ve learned many lessons through this which I’m greatful for , but now I’m in a deep hole and just really would love a get out jail free card in a sense …. if i could snap my fingers and undo this damage I would in a heart beat !! I just wish I had a redo button I’m so sad about this all i want to do is be out from under this stressful load. Of bills I’ve added to my plate !! I need help …. before this i worked for years paying off medical bills just to fix my credit and then I just screwed it all up in one month with 2 loans that were suppose to help me create my own business!! It’s so sad ..  if anyone wants to help a good person out my PayPal @LWiedmeier or cashapp or zelle or venmo email is lindseywinn25@gmail.com

 

Filed Under: Scammers Tagged With: USA

Last Updated: January 27, 2025

Wheelchair Van for Daughter

I can’t believe that i am having to ask this so let me say thank you in advance for even taking the time to read our story. My daughter is 15 and was diagnosed with Rett Syndrome at the age of 3. She has no purposeful movements of her hands, is non-verbal, wheelchair bound, and the light of our lives. To know her is to love her. I firmly believe that phrase was made for her. Her smile will light up the day. It breaks my heart that we can’t take her everywhere we want to because she needs a wheelchair van, and we just can’t afford it right now. She loves being out in public and shopping, but it is too hard for me to lift her 80-pound wheelchair into the back of the van anymore so we just stay home and have as much fun as we possibly can! We also have a 6 year old boy who loves sports and who would love for his big sister to be able to come watch him play soccer and t-ball but she has to stay home unless the weather is just right since it takes so long to get her loaded and unloaded from the van we currently have. I am a registered nurse who works from home so i can be home to care for her and my husband works nights at a steel mill. We both work as much as possible to provide everything she needs but the van seems like it is just out of reach. Any help would be greatly appreciated. We need $60,000 for the new van and to pay for the modifications for her wheelchair. Any money received would go only towards her van which is only used for her and would provide several years of unlimited trips and outings that she would love. My Cashapp is $NicoleKuk. Again thank you for taking your time to read our story of our silent angel that we were blessed to care for. I am so greatful i get to be her mama and she is loved beyond words.

Filed Under: Wishes Tagged With: USA

Last Updated: January 27, 2025

Honoring The Greatest Man I’ve Ever known, My Father

Hi, my name is Chris. I’m reaching out during a difficult time as my family and I are raising funds to lay my father to rest after he passed away from cancer. He left behind a loving wife, two children including my sister Jazmine, and five grandchildren. This comes shortly after the loss of my older brother to epilepsy just a year ago, making it an especially hard hit for our family.

My dad was a hardworking man, a true Libra, and a kind-hearted soul who always helped others. He served his country in the Navy and was honorably discharged. He was my hero, the greatest man I’ve ever known.

Tl he diagnosis of bladder and lung cancer turned our world upside down. At first, it didn’t seem real, but as reality set in, I tried everything I could to help him—from special foods to sound therapy. I even tried to be his doctor, but it was a battle we couldn’t win. The doctors gave us four months, but the cancer took him sooner. I’m grateful for the last Christmas and Thanksgiving we shared, but his absence is an unbearable reality.

The day I realized he wasn’t coming home, I cried myself to sleep on the living room floor. It’s been incredibly hard, and now I find myself responsible for all the bills, the apartment, and his truck. The financial burden, including the cost of the funeral, is overwhelming. My family doesn’t have the means, and while I do work, it’s simply too much to bear alone.

The expenses have added up quickly, and the weight of these responsibilities is immense. Any support you can provide, no matter how small, would mean the worl, d to us and help us give my father the farewell he deserves.

Thank you so much for your kindness and support.”

Cash app @$Silentgold20

 

Filed Under: Funeral Costs Tagged With: USA

Last Updated: January 26, 2025

LOOKING FOR HELP IN THIS DIFFICULT TIME

Hello everyone

My name is Cheryl and I am reaching out to this platform as a last choice to
ask for help. I am a daughter who takes care of my 80 yr old mother, who is
wheelchair bound and has a lot of health issues including chronic Rheumatoid
arthritis and heart disease. Last year was the most challenging, when she was in and out of hospital a few times. I am fully responsible for her care and this has taken
a lot of time off work also leading to me behind on my own bills. This month I am unable to meet her rent and heating bills etc,which is $1800. The landlord does not care about our financial situation, as was told to me. I owed everyone,for the
help and now this is the only choice I have here. I feel so alone and so depressed about this situation, cause I do not know what to do, there is no where else
to go or shelter her. I am asking for any donations whatever you can, towards
this would be greatly appreciated. Thank you.

paypal.me/cherylphillips

 

 

Filed Under: Rent Tagged With: USA

Last Updated: January 26, 2025

Need a new used car

Thanks in advance,

My name is Delphine and I’m a single mom. My transmission gave out on my used car, could afford the repairs, so I did volunteer repo since I couldn’t afford the repairs. I really need a new used car( to me a used car is new for me) I travel 20 to 30 miles for work, I really don’t want to quit. I’m a VPK teacher. I love my job. If anyone want to donate to my need. I need enough to cash buy a used car and get car insurance. Thank you in whatever you can give.

See my PayPal link,
https://paypal.me/delphinei?country.x=US&locale.x=en_US

Filed Under: Car Repairs Tagged With: USA

Last Updated: January 26, 2025

Single Generation X Female Looking After Elderly Parents With Dementia For 6 Years

This is not something that I would not ordinarily do, and actually it feels quite strange since I have always been a self-sufficient, hardworking and focused individual. I have always held senior management roles as well as high level sales roles, however due to the unfortunate fact that my father who is now 87 started his onset of dementia in 2018, and my mum also has a lot of ongoing health concerns I had to relocate to another city, giving up a full-time position. Looking after elderly parents especially those that have dementia etc really takes it toll emotionally, mentally, and physically due to the constant emotional stress of dealing with someone who has dementia as well as the constant liaising with doctors, health care workers, carers, nursing homes, it is exhausting, time consuming and very challenging having to repeat the same thing over and over again. I am now trying to get back into a work after so much time off, and I am finding it difficult just to get out there, even talk to people and I used to be so good at it.

I am really trying to get back in the job market but still need to look after my father, sometimes we put him in care but that is very costly and not having worked for so long it is really difficult trying to pay these bills.

Also due to my own realisations I strongly believe there is a need for services such as managing stress and anxiety, compassionate listening services for people that feel lonely and isolated, and I really want to develop these services both online and offline. I want to start a listening service for people that just need to talk in a safe non-judgemental environment, as well as hold sessions for people to manage stress and anxiety, offering tips such as mindfulness, breath work etc.

To develop these businesses and communities I am looking to raise at least £30,000 that will give me the chance to ease myself back into work, develop networks and form strategic alliances with organisations such as wellness centres, health services. I will also need marketing information such as flyers, leaflets as well as hire out spaces to hold these stress management events etc.

I really believe these are services that people in this day and age will benefit from immensely. With the advancement in tech and people feeling more and more lonely and isolated than ever as well as people going through transitional life changes like I did, people need friendships as well as the tools to manage stress and anxiety which is a huge growing concern. Also, with online sites such as ‘Cyberfriends’ ‘Rent a friend’ becoming increasingly popular where people are literally seeking friendships it is obvious that people require these kind of real human connections.

Any assistance, would be greatly, greatly appreciated.

paypal.me/BAPROMOTIONS11

Filed Under: Business Capital Tagged With: UK

Last Updated: January 26, 2025

Begging for donations to pay back bank loan taken for chemotherapy treatment.

Dear people of goodwill, my name is Peter Ghane. I am Cameroonian residing in the UAE. I am here to beg for your financial help/donations so that I can  repay a bank loan I took to save my moms life with after she underwent a breast cancer operation at the Shisong cardiac hospital in Kumbo, Northwest region of Cameroon. This operation took place in July 2020. She lived on chemotherapy from 2020 to March  2023 when I lost her. During her treatment , I obtained a bank loan here in the UAE for her chemotherapy which was her only hope of survival worth $35000 for her treatment . The means of repayment of the loan was to be a monthly deduction from my salary since I was working . It got happened that in 2023 before  losing my mom I lost my job. I have been struggling to get out of the trauma of my moms death and also struggling to get a job so as to pay back the loan to no avail.  I am depressed because of this loan facing a travel ban and living here right now with expired paper and no job. When my mom passed away in 2023 I wasn’t able to go home and give her last respect because of this loan.  In all, I have paid $5000.  $30000 balance is still remaining to pay. Please, people of goodwill help me. Save me from further depression. Please I need this $30.000 to pay for this loan and set myself free and also be able to go back home and morn my mom . Please help me the bank is on my neck for the loan. Save me please. Below is my paypal. Thank you all.

https://paypal.me/peterghane

https://paypal.me/peterghane?country.x=AE&locale.x=en_US

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Filed Under: Uncategorized Tagged With: Asia

Last Updated: January 24, 2025

Taking It To The Streets (Homeless Population Unique Services)

Raising money to provide services to the homeless.

Hi!  My name is Catherine.  I’m a mother of three who raised my children as a single parent.  I’m a grandmother of 2 with 2 on the way.  I’ve worked within the medical insurance industry with reputable companies like Cigna Healthcare, Blue Cross Blue Shield, and the Military Heath-care Systems as a specialist for more than 20 years.  I, myself, have been homeless.  And, I’m a 14 year cancer survivor.

So, I understand what it’s like to loose hope during homelessness and thinking no one cares.

One day, I found myself noticing the amount of people living on the streets homeless.  I found myself taking our homeless neighbors food, water, Arizona is very hot in the summer, and blankets while letting them know that they are not forgotten.

So, I decided to leave Corporate America and I have decided to joint the good fight.

I marched with Rev. Al Sharpton on HB1070, canvassed door to door in our Arizona communities during 2023-2024 on issues like good jobs, education, healthcare, secure retirement and to hold Corporate America accountable.

I’ve campaigned on political campaigns to educate our voters and those in the community and organization processes and continue to fight against any leadership that would cause humanity to decrease any lower that what it already is.

I am asking for donations to help me take my over 20 plus years of administration duties to the homeless population.  To, help enroll those who don’t have a laptop, cell phone, food, directives, transportation to business offices, and much needed encouragement.  To develop relationships they can trust while providing much needed service.

I can’t do this alone as I just recently retired and now on a limited income myself.  But, my heart still desires to use the time I have now to help the most in need.

I am seeking to raise $50,000.00 to help get my non profit business of the ground.

Will you help me to help our fellow man, woman and child.  Life happens and no one deserve to live under bridges, sidewalks, bus stops or in triple digit heat.

Thank you in advance for your kind heart toward this mission.

 

Filed Under: Business Capital Tagged With: USA

Last Updated: January 24, 2025

Help me save my family

Our family’s story is one of sacrifice, unwavering love, and relentless perseverance. My parents, the most selfless and hardworking people I know, have spent their entire lives pouring everything they had into building a foundation for their family. They’ve worked tirelessly, often putting their own dreams and well-being aside, to ensure that we had a chance at a better life. But now, in their older years, they face a harsh reality—they’re unable to retire, unable to rest, and burdened with the financial weight they carried for so long.

 

My parents have always been the kind of people who gave everything they had to others. Whether it was family, friends, or even strangers, they never hesitated to lend a helping hand, even when they had little to spare. They worked long hours, took on multiple jobs, and sacrificed endlessly, just so we could have a roof over our heads and food on the table. They’ve never complained, never faltered. But time has caught up with them. Their bodies are weary, and they simply cannot work the way they used to. Yet, they have no choice but to keep going because they can’t afford to stop.

 

My greatest wish is to give my parents the rest they so desperately deserve. They have given me everything, and it pains me deeply that I can’t provide for them the way they’ve always provided for us. I have a one-year-old daughter, and as I juggle the responsibilities of motherhood, I find myself overwhelmed by debts and living expenses. I try my best to help my parents, but it’s not enough. The dream of giving them a small home where they can finally feel secure feels so far out of reach, and the guilt of not being able to do more weighs heavily on me.

 

I am reaching out with a heart full of hope and vulnerability, praying that someone might see the love and strength of my family and offer us a helping hand. My parents deserve to wake up in the morning without worrying about how they’ll pay the bills. They deserve to rest their tired bodies without the constant fear of financial instability. They deserve to finally put themselves first after a lifetime of putting everyone else ahead of them.

 

Your generosity would mean the world to us. It would give my parents a chance to step back from the exhausting grind that has defined their lives and allow them to live with dignity and peace. It would help me relieve the burden of debt, enabling me to focus on providing for my daughter and supporting my parents in their time of need. And it would restore our hope—a hope that has been dimmed by years of struggle but has never truly gone out.

 

If you find it in your heart to help us, I promise that your kindness will never be taken for granted. You would not just be changing our circumstances—you would be giving my family a chance to breathe, to heal, and to move forward with renewed strength. And when I am able, I vow to pay your generosity forward, just as my parents have spent their lives doing for others.

 

From the depths of my heart, thank you for taking the time to hear our story. Even the smallest act of kindness can mean the world, and I will forever be grateful for anyone willing to help my family in our time of need. Thank you for considering us, and may your kindness return to you a thousandfold.

 

Below is the paypal.me link. Proof of using funds for the stated purpose will be provided if you’d like.

https://www.paypal.me/gratefulforyou777

 

 

Filed Under: Emergency Money Tagged With: USA

  • « Previous Page
  • 1
  • …
  • 105
  • 106
  • 107
  • 108
  • 109
  • …
  • 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