Question 1

What is Pebblio?

Accepted Answer

Pebblio is a shared record-keeping tool for private loans between people who already know each other — friends, family, or colleagues. It helps both parties stay on the same page with clear terms and a transparent repayment timeline.

Question 2

Is Pebblio a lending platform?

Accepted Answer

No. Pebblio doesn't lend money, introduce borrowers and lenders, or provide financial advice. It's simply a tool to document and track agreements you've already made privately.

Question 3

Who is Pebblio for?

Accepted Answer

Anyone lending or borrowing money informally — whether it's helping a sibling with rent, splitting a large purchase with a partner, or supporting a friend through a tough month.

Question 4

How much does Pebblio cost?

Accepted Answer

Your first loan is completely free. Additional loans require a small platform fee. We keep pricing transparent and affordable — no hidden charges.

Question 5

How do I create a loan agreement?

Accepted Answer

Sign up, fill in the loan details — amount, repayment schedule, any interest — and send a link to the other party. Once they review and confirm, the agreement is live.

Question 6

Does the other person need an account?

Accepted Answer

Not initially. You can share a link so they can review the loan terms. They'll only need to create a free account to confirm the agreement and track repayments.

Question 7

What happens if the other person doesn't confirm?

Accepted Answer

The agreement stays in a 'pending' state. You can send reminders or update the terms. Nothing is finalised until both parties agree.

Question 8

Can I change the loan terms after creating it?

Accepted Answer

Yes, as long as both parties agree. Either side can propose changes — the updated terms only take effect once the other person confirms.

Question 9

Does Pebblio move money between accounts?

Accepted Answer

Never. Payments happen outside the platform — by bank transfer, cash, or however you prefer. Pebblio only tracks and records the agreement.

Question 10

How do I record a repayment?

Accepted Answer

Either party can log a repayment in the app. The other person receives a notification and can confirm or query it, keeping both sides aligned.

Question 11

What does the activity timeline show?

Accepted Answer

The timeline displays every key event — agreement creation, confirmations, repayments logged, and any term changes — giving you a clear audit trail.

Question 12

Is my data private?

Accepted Answer

Absolutely. Your loan data is only visible to you and the other party involved. We never share your information with third parties.

Question 13

How is my data stored?

Accepted Answer

All data is encrypted in transit and at rest. We use industry-standard security practices to protect your information.

Question 14

Can I delete my account and data?

Accepted Answer

Yes. You can request full account deletion at any time. We'll remove your personal data in accordance with our privacy policy.

Question 15

What if repayments don't go to plan?

Accepted Answer

Pebblio shows both parties the same information so you can talk it through. We'll never chase anyone or get involved in your arrangements.

If things don't resolve between you, your signed Pebblio agreement is a clear record of the debt — the amount, the terms, and when you both agreed. That record can be used as evidence if you ever need to make a formal claim.

In England and Wales, you can make a court claim for money online at [GOV.UK](https://www.gov.uk/make-court-claim-for-money/make-claim). It's straightforward and doesn't require a solicitor for smaller amounts.

Pebblio is not a party to your loan and does not guarantee repayment.

Question 16

Can I export my loan agreement?

Accepted Answer

Yes. Once both parties agree to the terms, Pebblio generates a downloadable PDF of the agreement for your records.

Question 17

Is the agreement legally binding?

Accepted Answer

Yes. Once both parties have signed, the Pebblio agreement is a legally binding contract governed by the laws of England and Wales. It sets out the agreed terms — including the amount, repayment schedule, and both parties' obligations — and can be used to support a claim if needed. For particularly large sums or complex situations, we'd still recommend seeking independent legal advice.

Question 18

Can I have multiple active loans?

Accepted Answer

Yes. You can manage several loans simultaneously — whether you're lending to different people or have multiple agreements with the same person.

Question 19

What notifications will I receive?

Accepted Answer

You'll be notified when the other party confirms an agreement, logs a repayment, proposes a change, or when a repayment is due.

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