TERMS APPLICABLE TO ALL USERS: ELIGIBILITY, LICENSE AND REPRESENTATIONS
RBI Disclaimer:
Reserve Bank of India does not accept any responsibility or guarantee about the present position
as to the financial soundness of the company or for the correctness of any of the statements or
representations made or opinions expressed by the company and for discharge of liability by the company.
Neither is there any provision in law to keep, nor does the company keep any part of the deposits with
the Reserve Bank and by issuing the Certificate of Registration to the Company, the Reserve Bank neither
accepts any responsibility nor guarantee for the payment of the deposits amount to any depositor.
Eligibility: General
This Site is intended solely for Users who, are eighteen (18) years of age or older, and any registration by,
use of or access to the Site by any person under 18 is unauthorized, unlicensed and in violation of these
Terms of Use. By using the Service or the Site, you represent and warrant that you are 18 or older and that
you agree to and will abide by all of the terms and conditions of these Terms of Use. If you violate any of
these Terms of Use, or otherwise violate an agreement between you and us, the Company may terminate your
account,
delete your profile and data and/or prohibit you from using or accessing the Service or the Site
(or any portion, aspect or feature of the Service or the Site), at any time in its sole discretion,
with or without notice, including without limitation if it believes that you are under 18.
Bharosepe technology services private limited is a technology service provider and we facilitate
application/processing/disbursal and
closure of loans. The terms and conditions of the lender applies independently and supercedes any information
present here.
Proprietary Rights in Site Content; Limited License
All content on the Site, including but not limited to designs, text, graphics, pictures, video,
information, software, music, sound and other files, and their selection and arrangement
(the "Site Content"), are the proprietary property of the Company with all rights reserved.
No Site Content may be modified, copied, distributed, framed, reproduced, republished, downloaded,
displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without the
Company's prior written permission, except as provided in the following sentence and except that the
foregoing does not apply to your own User Content (as defined below) that you legally post on the Site.
Provided that you are eligible for use of the Site, you are granted a limited license to access and
use the Site and to download or print a copy of any portion of the Site Content solely for your use
in connection with your use of the Site or Service, provided that you keep all copyright or other
proprietary notices intact. Except for your own User Content (as defined below), you may not republish
Site Content on any Internet, Intranet or Extranet site or incorporate the information in any other
database or compilation, and any other use of the Site Content is strictly prohibited. Any use of the
Site or the Site Content other than as specifically authorized herein, without the prior written
permission of the Company, is strictly prohibited and will terminate the license granted herein.
Such unauthorized use may also violate applicable laws including without limitation copyright and
trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein,
nothing in these Terms of Use shall be construed as conferring any license to intellectual property
rights, whether by estoppel, implication or otherwise. This license is revocable by us at any time
without notice and with or without cause.
Restrictions on Data Collection/Termination
Without our prior consent, you may not:
- use any automated means to access this Site or collect any information from the Site
(including, without limitation, robots, spiders, scripts or other automatic devices or programs);
- frame the Site, utilize framing techniques to enclose any Content or other proprietary information,
place pop-up windows over this Site's pages, or otherwise affect the display of this Site's pages;
- engage in the practices of "screen scraping," "database scraping" or any other activity with the
purpose of obtaining content or other information; or
- use this Site in any manner that violates applicable law or that could damage, disable, overburden, or
impair this Site or interfere with any other party's use and enjoyment of this Site.
- We may terminate, disable or throttle your access to, or use of, this Site and the Services for any
reason,
including without limitation, if we believe that you have violated or acted inconsistently with any
portion of these Terms of Use.
User Representations
You represent, warrant and agree that no materials of any kind submitted through your account or
otherwise posted or shared by you through the Service will violate or infringe upon the rights
of any third party, including copyright, trademark, privacy, publicity or other personal or
proprietary rights; or contain libelous, defamatory or otherwise unlawful material. You further
agree not to harvest or collect email addresses or other contact information of Users from the Service or
the Site by electronic or other means for the purposes of sending unsolicited emails or other
unsolicited communications. Additionally, you agree not to use automated scripts to collect information
from the Service or the Site or for any other purpose. You further agree that you may not use the
Service or the Site in any unlawful manner or in any other manner that could damage, disable,
overburden or impair the Site. In addition, you agree not to use the Service or the Site to:
- upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful,
threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene,
fraudulent,
invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;
- except where authorized by the Company, register for more than one User account, register for a User
account on behalf of an individual other than yourself, operate a User account on behalf of or for
the benefit of any person who is not eligible to register for or operate a User account in their own name,
or register for a User account on behalf of any group or entity (other than approved investment accounts
opened on behalf of legal entities or accounts opened for purposes of participating in our Business and
Small Enterprises loans);
- impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your
affiliation with or authority to act on behalf of any person or entity;
- upload, post, transmit, share or otherwise make available any unsolicited or unauthorized advertising,
solicitations, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or
any other form of solicitation;
- upload, post, transmit, share, store or otherwise make publicly available on the Site any private
information
of any third party, including, without limitation, addresses, phone numbers, email addresses,
Social Security numbers and credit card numbers;
- solicit personal information from any person under 18 or solicit passwords or personally identifying
information
for commercial or unlawful purposes from any User;
- upload, post, transmit, share or otherwise make available any material that contains software viruses or
any
other computer code, files or programs designed to interrupt, destroy or limit the functionality of any
computer
software or hardware or telecommunications equipment;
- intimidate or harass another User;
- upload, post, transmit, share, store or otherwise make available content that would constitute, encourage
or provide
instructions for a criminal offense, violate the rights of any party, or that would otherwise create
liability or
violate any local, state, national or international law;
- use or attempt to use another's account, service or system without authorization from that person and the
Company,
or create a false identity on the Service or the Site; or
- upload, post, transmit, share, store or otherwise make available content that, in the sole judgment of
the Company, is objectionable or which restricts or inhibits any other person from using or enjoying the
Site, or which may expose the Company or its Users to any harm or liability of any type.
User Content Posted on the Site
You are solely responsible for the personal or business information, photos, profiles, messages,
notes, text, information, music, video, contact information for you or others, advertisements or
other content that you upload, publish, provide or display (hereinafter, "post") on or through the
Service or the Site, or transmit to or share with other Users (collectively the "User Content").
It is against the Terms of Use to contact members directly or to attempt to enter into any lending
transactions with members outside of the Service. You understand and agree that the Company may,
but is not obligated to, review and delete or remove (without notice) any User Content in its sole
discretion, including without limitation, User Content that in the sole judgment of the Company violates
these Terms of Use, might be offensive or illegal, or might violate the rights of, harm, or threaten
the safety of, Users or others.
By posting User Content to any part of the Site, you automatically grant, and you represent and
warrant that you have the right to grant, to the Company an irrevocable, perpetual, non-exclusive,
transferable, fully paid, worldwide license (with the right to sublicense) to use, copy, publicly
perform, publicly display, reformat, translate, excerpt (in whole or in part) and distribute such
User Content for any purpose on or in connection with the Site or the promotion thereof, to prepare
derivative works of, or incorporate into other works, such User Content, and to grant and authorize
sublicenses of the foregoing. You may remove your User Content from the Site at any time. If you choose
to remove your User Content, the license granted above will not expire.
ALL USERS: CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES
Because Jodo also operates on the Internet, it is necessary for you to consent to transact business
with us online and electronically. As part of doing business with us, we need you to consent to our
giving you certain disclosures electronically, either via our Site or to the email address you provide
to us. By agreeing to the Terms of Use, you agree to receive electronically all documents, communications,
notices, contracts, and agreements arising from or relating to your use of the Site and Service, including
any loans you may request or receive, your use of this Service, and the servicing of your loan, if funded.
The decision to do business with us is yours. This document informs you of your rights concerning
Disclosures.
Electronic Communications.
Any Disclosures will be provided to you electronically either on our Site or via electronic mail
to the verified email address you provided. If you require paper copies of such Disclosures, they
can be provided at nominal additional cost. A request for a paper copy of any Disclosure will not be
considered a withdrawal of your consent to receive Disclosures electronically. We may discontinue
electronic provision of Disclosures at any time in our sole discretion.
Scope of Consent.
Your consent to receive Disclosures and transact business electronically, and our agreement to do so,
applies to any transactions to which such Disclosures relate, whether between you and Jodo or its
partners. Your consent will remain in effect for so long as you are a User and, if you are no longer a
User, will continue until such a time as all Disclosures relevant to transactions that occurred while
you were a User have been made.
Your consent to receive Disclosures and transact business electronically, and our agreement to do so,
applies to any transactions to which such Disclosures relate, whether between you and Jodo or its
partners. Your consent will remain in effect for so long as you are a User and, if you are no longer a
User, will continue until such a time as all Disclosures relevant to transactions that occurred while
you were a User have been made.
Consenting to Do Business Electronically
Before you decide to do business electronically with Jodo and its financial partner institutions,
you should consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements
In order to access and retain Disclosures electronically, you must satisfy the following computer
hardware and software requirements: access to the Internet; an email account and related software
capable of receiving email through the Internet; supported Web browsing software (Chrome version 40.0
or higher, Firefox version 35.0 or higher, Internet Explorer version 9.0 or higher, or
Safari version 8.0 or higher); and hardware capable of running this software. You are also required
to have a smartphone capable of running the Jodopay app.
TRI Consent
I expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls,
and SMS messages (including text messages) from us, our affiliates, agents and others calling at their
request or on their behalf, at any telephone numbers that you have provided or may provide in the future
(including any cellular telephone numbers). Your cellular or mobile telephone provider will charge you
according to the type of plan you carry.
Additional Mobile Technology Requirements
By using this Website or ordering Products, you acknowledge that you have read
and agree to be bound by this Agreement and all terms and conditions on this
Website.
Agreement to be bound
If you are accessing our site and the Disclosures electronically via a mobile device
(such as a smart phone, tablet, and the like), in addition to the above requirements you must make
sure that you have software on your mobile device that allows you to print and save the Disclosures
presented to you during the application process. These applications can be found for most mobile devices
in the device's respective "app store". If you do not have these capabilities on your mobile device,
please access our site through a device that provides these capabilities.
Withdrawing Consent
You may withdraw your consent to receive Disclosures electronically by contacting us at the address below.
However, once you have withdrawn your consent you will not be able to post loan requests on our Site.
If you have a pending loan request on our Site we will terminate it and remove it from our system.
If you have already received a loan, all previously agreed to terms and conditions will remain in effect,
and we will send Disclosures to your verified home address provided during registration
(except with regard to participants in our Enterprise and Small Business loan program, as discussed under
"Terms Applicable to Business and Other Entity Users" below).
How to Contact Us regarding Electronic Disclosures
You can contact us via email at support@jodopay.com.
If you are an individual User, you will keep us informed of any change in your email or
home mailing address so that you can continue to receive all Disclosures in a timely fashion.
If your registered email address changes, you must update your profile on the service. You also
agree to update your registered residence address and telephone number on the Site if they change.
If you are a business or entity User or are acting on behalf of a business or entity, you will keep
us informed of any change to your email address, telephone number and primary business address, as
discussed under "Terms Applicable to Business and Other Entity Users" below.
You will print a copy of this Agreement for your records and you agree and acknowledge that you
can access, receive and retain all Disclosures electronically sent via email or posted on the Site.
TERMS APPLICABLE TO INDIVIDUAL USERS
Registration Data; Account Security
In consideration of your use of the Site, you agree to
- provide accurate, current and complete information about you as may be prompted by any registration
forms on the Site or otherwise requested by the Company ("Registration Data");
- maintain the security of your password, identification and access to your account;
- maintain and promptly update the Registration Data, and any other information you provide to the Company,
to keep it accurate, current and complete;
- promptly notify the Company regarding any material changes to information or circumstances that could
affect your eligibility to continue to use the Site or Service or the terms on which you use the Site or
Service; and
- be fully responsible for all use of your account and for any actions that take place using your account.
TERMS APPLICABLE TO BUSINESS AND OTHER ENTITY USERS
Eligibility: Business and Other Entity Users
Access to the Site for Users that are businesses, other entities or persons acting on behalf of such
businesses or entities, including for all Users participating in our Small Business lending program,
is intended solely for authorized representatives of businesses or other entities that are in good
standing in each jurisdiction in which they are registered to conduct business and persons otherwise
authorized by such businesses or entities to act in furtherance of the business or entity's use of the
Site or Service. By using the Service or the Site on behalf of a business or other entity, including as
a sole proprietor participating in our Small enterprises loan program, you represent and warrant that
you are duly authorized in accordance with the foregoing by the business or other entity on behalf of
which you are acting, that you have the power and authority to enter into binding agreements on behalf
of the business or entity or in the capacity in which you are acting, and that the business or entity is
in good standing in each jurisdiction in which it is registered to conduct business to the best of your
knowledge. Furthermore, you confirm that you agree to all of the terms and conditions of these Terms of
Use individually and on behalf of such business or other entity, and represent and warrant that you and
such business or other entity will abide by all of the terms and conditions of these Terms of Use.
If you, the business or entity, any other person acting on behalf of the business or entity or any
guarantor (if applicable) violate any of these Terms of Use, or otherwise violate an agreement between
the business or entity (or, if applicable, any guarantor) and the Company, the Company may terminate
the business or entity's membership, delete any associated profile and any content or information
posted on the Site in connection with the business or entity's membership and/or prohibit you, such
business or entity and any other person acting on the business or entity's behalf from using or accessing
the Service or the Site (or any portion, aspect or feature of the Service or the Site), at any time in
its sole discretion, with or without notice.
Additional Representations: Business and Other Entity Users
In addition to the User Representations set forth above under "User Representations," which you hereby
confirm on behalf of the business or entity member, you further agree, both individually and on behalf
of the business or entity, not to use the Service or the Site to:
- register for multiple User accounts on behalf of the same business or entity;
- operate or otherwise utilize an account opened in the name of a business or entity for the benefit of
any persons other than that business or entity;
- operate or otherwise utilize an account opened in the name of a business or entity for any purpose
prohibited
by law or regulation, any activity which that business or entity is not duly authorized to conduct,
or for any purpose prohibited by any other agreement between the business or entity and the Company or WBK;
- operate a User account on behalf of any business or entity with regard to which you are not an authorized
person with the power to enter into binding agreements on behalf of the business or entity;
- communicate with any other User regarding the business or entity, or its business operations, other
than anonymously and publicly via the Site, or upload, post, transmit, share or otherwise make available
any information or informational material identifying the business or entity or its business operations
(other than Registration Data provided to the Company or other information requested by the Company or
otherwise necessary for your use of the Site or Service); and
- upload, post, transmit, share, store or otherwise make publicly available on the Site any private
information regarding the business or entity, including, without limitation, addresses, phone numbers,
email addresses, tax identification numbers and credit, or any personal information regarding persons
associated with the business or entity (other than Registration Data provided to the Company).
Furthermore, you represent and warrant and agree, both individually and on behalf of the business or
entity, that
- all email addresses provided on behalf of the business or entity are and will be used by the business
or entity for business purposes; and
- you will not represent or portray the business or entity as being affiliated with the Company in any
capacity other than being a User of the Site or Service without the Company's prior written consent.
Additional Representations: Small Business Borrowers
In addition to the User Representations set forth above under "User Representations" and "Additional
Representations: Business and Other Entity Users," which you hereby confirm on behalf of the small
business borrower, you further agree and confirm, both individually and on behalf of the business and/or
entity, that:
- use of the Site and Service is contingent on acceptance of and compliance with these Terms of Use by all
persons acting on the business or entity's behalf or in furtherance of the business or entity's loan
request,
including persons acting as a prospective guarantor of any requested loan;
- all information relating to any prospective guarantor of any requested loan that is requested by any
registration forms on the Site will be provided via the Site directly by such prospective guarantor;
- neither you nor the business or entity will communicate with any other User regarding any loan request
made by the business or entity other than anonymously and publicly via the Site;
- neither you nor the business or entity will use the Service or the Site to attempt to generate business
or investment interest in the business or entity from any other person, including other Users, other than
for purposes of obtaining a loan via the Service or through the use of the proceeds of any loan the business
or entity may receive; and
- you will not represent or portray the business or entity as anything other than a borrower in connection
with its loan request without the Company's prior written consent.
Registration Data; Account Security
In consideration of your use of the Site and the Service on behalf of a business or other entity member,
you, individually and on behalf of such business or entity, agree to
- provide accurate, current and complete information about the business or entity, yourself and any other
principals and/or authorized representatives of the business or entity member as may be prompted by any
registration forms on the Site or otherwise requested by the Company ("Registration Data"), including the
business or entity's full legal name;
- provide such materials as the Company may request to establish and/or verify your or any other person's
identity or authority to enter into binding agreements on behalf of the business or entity, or to establish
and/or verify the business or entity's legal existence, good standing in any jurisdiction and eligibility
to use the Site or Service, or to establish and/or verify your eligibility to act as guarantor with regard
to any loan requested by the business or entity;
- maintain the security of any password and identification issued for use by or on behalf of the business
or entity;
- maintain and promptly update the Registration Data, and any other information provided to the Company by
you or anyone else acting on behalf of the business or entity, to keep it accurate, current and complete;
- promptly notify the Company regarding any material changes to information or circumstances impacting
the business or entity's legal existence, good standing in any jurisdiction in which the business or entity
is authorized to conduct business, or eligibility for continued use of the Site or any Service; and
- be fully responsible for all use of any accounts opened on behalf of the business or entity and for any
actions that take place using such account.
Scope of License to Use
For Users that are businesses or other entities, or persons acting on behalf of businesses or other
entities, the limited license to access and use the Site granted above shall be deemed granted to the
business or entity member and to those authorized representatives of the business or entity for whom
Registration Data has been provided to the Company while acting on behalf of the business or entity
member in their official capacities. Any access to or use of the Site by persons who are not authorized
representatives of the business or entity, including but not limited to any representative for whom
Registration Data has not been provided, voids this license and shall constitute a violation of these
Terms of Use. Furthermore, this license is revocable by us at any time with regard to the business or
entity member and/or any person acting on such business or entity's behalf without notice and with or
without cause.
Withdrawn Consent to Electronic Disclosures: Small Business Borrowers and Guarantors
If you withdraw your consent to receive Disclosures electronically as discussed above, and have a
pending loan request on our Site, we will terminate it and remove it from our system. If you withdraw
your consent to receive Disclosures electronically and have already received a loan, all previously
agreed to terms and conditions will remain in effect, and we will send Disclosures to your primary
business address as provided during registration or updated by you. You agree to keep us informed of
any changes to your primary business address so that you can continue to receive all Disclosures in
a timely fashion. If your email address or primary business address change, you must notify us of the
change by sending an email to support@jodopay.com. You also agree to update your primary business
address and telephone number on the Site if they change. If you are acting as a potential guarantor
for a Small Business loan, you also agree to notify us of any change to your home address via email
or telephone using the contact information provided above.
ALL USERS: INTELLECTUAL PROPERTY MATTERS
Trademarks
Jodo and other Company graphics, logos, designs, page headers, button icons, scripts and service
names are registered trademarks, trademarks or trade dress of the Company in the U.S. and/or other
countries. The Company's trademarks and trade dress may not be used, including as part of trademarks
and/or as part of domain names, in connection with any product or service in any manner that is likely
to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior
written permission of the Company.
Copyright Complaints
If you believe that any material on the Site infringes upon any copyright which you own or control,
you may send a written notification of such infringement to our Designated Agent as set forth below:
E-Mail Address: support@jodopay.com
Submissions
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other
information about the Site or the Service ("Submissions"), provided by you to the Company are
non-confidential and shall become the sole property of the Company. The Company shall own exclusive
rights, including all intellectual property rights, and shall be entitled to the unrestricted use and
dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or
compensation to you.
ALL USERS: MISCELLANEOUS TERMS
Links to Other Web Sites and Content
The Site contains (or you may be sent through the Site or the Services) links to other web sites
("Third Party Sites"), as well as articles, photographs, text, graphics, pictures, designs, music,
sound, video, information, software and other content belonging to or originating from third parties
(the "Third Party Content"). Such Third Party Sites and Third Party Content are not investigated,
monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible
for any Third Party Sites accessed through the Site or any Third Party Content posted on the Site,
including without limitation the content, accuracy, offensiveness, opinions, reliability or policies
of or contained in the Third Party Sites or the Third Party Content. Inclusion of or linking to any
Third Party Site or any Third Party Content does not imply approval or endorsement thereof by us.
If you decide to leave the Site and access the Third Party Sites, you do so at your own risk and
you should be aware that our terms and policies no longer govern. You should review the applicable
terms and policies, including privacy and data gathering practices, of any site to which you navigate
from the Site.
User Disputes
You are solely responsible for your interactions with other Users. We reserve the right,
but have no obligation, to monitor disputes between you and other Users.
Privacy
Please review the Site's Privacy Policy. By using the Site or the Service, you are consenting to have
your personal data transferred to and processed in India. We may listen to and/or record phone calls
between you and our representatives without notice to you as permitted by applicable law. For example,
we listen to and record calls for quality monitoring purposes.
Disclaimers
The Company does not guarantee the accuracy of any User Content or Third Party Content. Although
we provide rules for User conduct and postings, we do not control and are not responsible for what
Users post on the Site and are not responsible for any offensive, inappropriate, obscene, unlawful or
otherwise objectionable content you may encounter on the Site or in connection with any User Content or
Third Party Content. The Company is not responsible for the conduct, whether online or offline,
of any User of the Site or Service. The Company cannot guarantee and does not promise any specific
results from use of the Site and/or the Service to obtain a loan.
The Site and the Service may be temporarily unavailable from time to time for maintenance or other
reasons. The Company assumes no responsibility for any error, omission, interruption, deletion, defect,
delay in operation or transmission, communications line failure, theft or destruction or unauthorized
access to, or alteration of, User communications. The Company is not responsible for any problems or
technical malfunction of any telephone network or lines, computer online systems, servers or providers,
computer equipment, software, failure of email or players on account of technical problems or traffic
congestion on the Internet or on the Site or combination thereof, including injury or damage to Users
or to any other person's computer related to or resulting from participating or downloading materials
in connection with the Web and/or in connection with the Service. Under no circumstances will the
Company be responsible for any loss or damage, including any loss or damage to any User Content,
financial damages or lost profits, loss of business, or personal injury or death, resulting from anyone's
use of the Site or the Service, any User Content or Third Party Content posted on or through the Site or
the Service or transmitted to Users, or any interactions between Users of the Site, whether online or
offline.
The Company reserves the right to change any and all content contained in the Site and any Services
offered through the Site at any time without notice. Reference to any products, services, processes or
other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or
imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Company.
Limitation on Liability
EXCEPT IN JURISDICTIONS WHERE SUCH PROVISIONS ARE RESTRICTED AND EXCEPT AS PROVIDED ABOVE IN THE
PARAGRAPH TITLED, "INVESTOR MEMBERS: SECURITIES MATTERS", IN NO EVENT WILL THE COMPANY OR ITS DIRECTORS,
EMPLOYEES OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY,
INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR
USE OF THE SITE OR THE SERVICE OR ANY OF THE SITE CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE
SITE, EVEN IF THE COMPANY IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN EXCEPT AS PROVIDED ABOVE IN THE PARAGRAPH
TITLED, "INVESTOR MEMBERS: SECURITIES MATTERS", TO THE EXTENT PERMITTED BY APPLICABLE LAW THE COMPANY'S
LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES
BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO THE COMPANY FOR THE SERVICE DURING THE TERM OF
MEMBERSHIP. IN NO CASE, EXCEPT AS PROVIDED ABOVE IN THE PARAGRAPH TITLED, "INVESTOR MEMBERS: SECURITIES
MATTERS", WILL THE COMPANY'S LIABILITY TO YOU EXCEED $1000. YOU ACKNOWLEDGE THAT IF NO FEES ARE PAID TO
THE COMPANY FOR THE SERVICE, YOU SHALL BE LIMITED TO INJUNCTIVE RELIEF ONLY, UNLESS OTHERWISE PERMITTED
BY LAW, AND SHALL NOT BE ENTITLED TO DAMAGES OF ANY KIND FROM THE COMPANY, REGARDLESS OF THE CAUSE OF
ACTION.
IN ADDITION TO THE SPECIFIC SECURITIES LAWS PROVISIONS DESCRIBED ABOVE IN THE PARAGRAPH TITLED,
"INVESTOR MEMBERS: SECURITIES MATTERS", CERTAIN FEDERAL AND STATE LAWS DO NOT ALLOW THE EXCLUSION OR
LIMITATION OF CERTAIN DAMAGES OR LIMITATIONS ON IMPLIED WARRANTIES. IF THESE LAWS APPLY TO YOU, SOME OR
ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL
RIGHTS.
Governing Law; Venue and Jurisdiction
By visiting or using the Site and/or the Service, you agree that the laws of the State of Karnataka IPC,
without regard to any principles of conflict of laws that would require or permit the application of
the laws of any other jurisdiction, will govern these Terms of Use. If you obtain a loan, the terms of
the loan will be governed by federal laws and the laws of the state of Utah to the extent not preempted,
without regard to any principle of conflicts of laws that would require or permit the application of the
laws of any other jurisdiction.
Indemnity
You agree to indemnify and hold the Company, its subsidiaries and affiliates, and each of their directors,
officers, agents, contractors, partners and employees, harmless from and against any loss, liability,
claim, demand, damages, costs and expenses, including reasonable attorney's fees, arising out of or in
connection with your User Content, any Third Party Content you post or share on or through the Site,
your use of the Service or the Site, your conduct in connection with the Service or the Site or with
other Users of the Service or the Site, or any violation of these Terms of Use or of any law or the
rights of any third party. The previous sentence shall not apply to any extent to Users while acting
as an investor member or while registering as an investor member in connection with their:
- posting of User Content or
- use of the Site or Service.
Online Refunds
Payment received online are non-refundable for any reason. If customer paid twice for one transaction,
the one amount will be adjusted in next subsequent billing amount.
Other
The failure of the Company to exercise or enforce any right or provision of these Terms of Use shall not
constitute a waiver of such right or provision in that or any other instance. If any provision of
these Terms of Use is held invalid, the remainder of these Terms of Use shall continue in full force
and effect. If any provision of these Terms of Use shall be deemed unlawful, void or for any reason
unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not
affect the validity and enforceability of any remaining provisions.
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