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About the personal data of borrowers, it against U.S law to release that info.
Are you in U.S.? What jurisdiction does your service adhere?
We are in the process to move to U.S.
You need to completely re-do the user display.
Currently you just show a total amount of bitcoins in the service.
you should make it like double entry book keeping, where i can:
1. CLEARLY SEE the amounts and DATES I transferred funds into my BTCJAM account
2. CLEARLY SEE when I proposed a loan, if that loan failed to reach the minimum fund, it SHOULD SHOW the funds being returned to my account
3. BAD debts should be shown.
Currently its all over the F**ing place.
If you are going to run a financial service, then at least FOLLOW good accountancy practices.