Are you saying my terms look too good to be true? That's an interesting point which I didn't even consider.. I suspect nearly everyone who reads this will assume I'm a scammer. I included the link to my localbitcoins profile, hoping the reputation I've earned there will speak to my integrity. But I completely understand if no one wants to loan me anything. That being said, I look forward to proving many of you wrong. If I receive a loan, it will be repaid on time and as promised.
I said that your terms don't even exist. Since you can't cover the lender, how you can speak about "your ToS"? You want money (for free) and the only guarantee is that you will repay...

You should know though, as a Sr.Member that LBC accounts don't consider as valid collateral. Neither proves the integrity of anyone.
I'm not offering my localbitcoins account as collateral. I'm not sure what you mean when you say my terms don't exist. And what's this about "ToS"? It seemed to me that you were implying the interest I was offering seemed high, which made my request look dubious.