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The following terms and conditions ("Terms of Use" or “User Agreement”) will be deemed to have been accepted by the user / you, on usage of website (http://www.eqaroguarantees.com) or mobile application of Eqaro Surety Private Limited (hereinafter referred to as EQARO), Registered office: 404, Sky Vistas, Municipal School Road, D.N.Nagar, Andheri West, Mumbai 400053. You are requested to read them carefully before you browse EQARO’s website or mobile application or use its services. All users of the Website or mobile application of EQARO, including Requestor (including Services Receivers) and the Visitors of the Website are together termed as "Users" (also referred hereinafter as "You," "Your" and "Yourself")

AUTHORIZED USER

You affirm that you are over the age of 18. You may not access or use EQARO’s website or mobile application if you are unable to form a binding, legal agreement with EQARO. You assume all responsibility for your use of, or access to, EQARO’s website and/or mobile application, including any User Content, and hereby waive all claims or causes of action against EQARO, its affiliates, its licensors, its service providers, partners, vendors and their respective officers, directors, employees, partners and representatives in connection therewith.

True Information:

You, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites, wherever sought, and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.

AMENDMENT OF TERMS OF USE:

EQARO reserves the right to amend these Terms of Use at any time and will notify you of any such changes by posting the revised Terms of Use on the website and / or mobile application. You should check these terms and conditions on the website and / or mobile application periodically for changes. All changes shall be effective upon posting. Your continued use of the website or mobile application after any change to this terms and conditions constitutes your agreement / consent to be bound by any such changes.

USE OF THE SITE / MOBILE APPLICATION:

EQARO may terminate, suspend, change, or restrict access to all or any part of its website or mobile application without notice or liability.

OWNERSHIP:

All contents present on EQARO’s website and mobile application are the exclusive property of EQARO. The software, text, images, graphics, video and audio used on EQARO’s website and mobile application belong to EQARO. All third-party trademarks, service marks, trade names, logos, or other designations of source are the property of their respective owners. No material / content from EQARO’s website / mobile application shall be copied, reproduced, distributed, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form by you nor you shall create derivative works from the contents of website / mobile application of EQARO. Further, you agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the service through website / mobile application of EQARO. However, EQARO grants you non-exclusive, non-transferable, limited permission to access and display the web / mobile application pages within EQARO’s website or mobile application, solely on your computer or your mobile phone / tablet and for your personal, non-commercial use of EQARO’s website or mobile application. This permission is conditioned on (i) you not modifying the content displayed on EQARO’s website or mobile application, (ii) you keeping intact all copyright, trademark and other proprietary notices, (iii) your acceptance of any terms, conditions and notices accompanying the content or otherwise set forth in EQARO’s website or mobile application, (iv) your agreeing to acknowledge EQARO as the source, citing the uniform resource locator (URL) of the page / mobile application from which the information has been taken.

THIRD PARTY CONTENT:

EQARO may from time to time (a) link to other websites that EQARO feel may be useful to you, and (b) post content to its website or mobile application that is supplied by third parties (collectively “Third Party Content”). Third-Party Content is not under the control of EQARO. EQARO makes no claim or representation regarding Third Party Content and accepts no responsibility for the quality, content, nature, or reliability of Third Party Content, any services accessible by hyperlink from EQARO’s website or mobile application, links contained in any Third Party Content, or any review, changes, or updates to a Third Party website or mobile application or for Third Party websites that link to EQARO’s website or mobile application. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by Third Parties in the Third Party Content are those of the respective author(s) or distributor(s) and not of EQARO. EQARO does not guarantee the merchantability or fitness for any particular purpose of Third Party Content. When leaving EQARO’s website or mobile application, you should be aware that these Terms no longer govern, and, therefore, you should review the applicable terms and policies, including privacy and data-gathering practices, of any Third Party websites.

PROPRIETARY RIGHTS IN SITE CONTENT:

  1. Upload, post, transmit, share, store, or otherwise make available any content that EQARO 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
  2. Impersonate any person or entity or falsely state or otherwise misrepresent yourself, your age, or your affiliation with any person or entity
  3. 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
  4. Upload, post, transmit, share, store, or otherwise make publicly available on the EQARO’s website or mobile application any private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Permanent Account Number (PAN), Aadhaar number and credit card numbers
  5. Solicit personal information from anyone under 18 or solicit passwords or personally identifying information for commercial or unlawful purposes
  6. 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
  7. 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 otherwise create liability or violate any local, state, national, or international law
  8. Use or attempt to use another’s account, service, or system without authorization from EQARO, or create a false identity on EQARO’s web site or mobile application
  9. .Upload, post, transmit, share, store, or otherwise make available content that, in the sole discretion of EQARO, is objectionable or which restricts or inhibits any other person from using or enjoying EQARO’s website or mobile application, or which may expose EQARO or its website / mobile application users to any inconvenience, harm or liability of any type.

TRADEMARKS:

EQARO is a trademark of EQARO. This trademark may not be used in any manner without prior written consent from EQARO. The names of actual companies, firms or other associations or partners or reinsurers or counter guarantors, and the products and services mentioned in the website or mobile application may be the trademarks of their respective owners.

CONFIDENTIALITY ON THE INTERNET:

Use of the Internet is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. While we have endeavoured to create a secure and reliable Website, please be advised that the confidentiality of any communication or material transmitted to us over the Internet cannot be guaranteed. Consequently, neither we nor our affiliates are responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on this Website, or for the consequences of any reliance on such information. You must make your own determination as to these matters.

LINKS:

All links to EQARO’s website and mobile application must be approved in writing by EQARO, except that EQARO consents to links in which the link and the pages that are activated by the link do not (i) create frames around any page on website / mobile application or use other techniques that alter in any way the visual presentation or appearance of any content within the website or mobile application; (ii) misrepresent your relationship with EQARO; (iii) imply that EQARO approves or endorses you, your website or your service or product offerings; and (iv) present false or misleading impressions about EQARO or otherwise damage the goodwill associated with EQARO’s name and/or trademarks. As a further condition to being permitted to link to its website or mobile application, you agree that EQARO may at any time, in its sole discretion, terminate permission to link to its website or mobile application. In such event, you agree to immediately remove all links to EQARO’s website or mobile application.

PRIVACY POLICY:

By using the website or mobile application of EQARO, you consent to the use of your information as stated in our Privacy Policy.

THIRD PARTY ACCOUNTS:

By using the website / mobile application of EQARO, you authorize EQARO and Service Provider to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For purpose of processing your third party product application / request which you have applied through website / mobile application of EQARO, you hereby grant EQARO and Service Provider a limited authorisation and power of attorney, and you hereby appoint EQARO and Service Provider as your true and lawful attorney-in-fact and authorised agent, with full power of substitution and re-substitution, for you and in your name, place and represent, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN EQARO OR SERVICE PROVIDER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, EQARO AND SERVICE PROVIDER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the service is not endorsed or sponsored by any third party account providers accessible through the website or mobile application of EQARO.

FEE:

You agree to pay EQARO charges / fee, as specified by EQARO for availing its services or for availing third party product through EQARO.

DISCLAIMER OF WARRANTIES:

IN EQARO’s WEBSITE OR MOBILE APPLICATION, THE SITE CONTENT/ MOBILE APPLICATION CONTENT, AND THE USER CONTENT ARE MADE AVAILABLE “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. THIS INCLUDES, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON INFRINGEMENT OR ENJOYMENT. WE MAKE NO GUARANTEE THAT THE SITE CONTENT OR USER CONTENT ON THE SITE IS UP-TO-DATE, ACCURATE, OR COMPLETE. YOU SHOULD NOT RELY ON IT FOR ANY DECISION OR TO TAKE ANY ACTION. WE HEREBY DISCLAIM ANY WARRANTY THAT THE SITE CONTENT OR USER CONTENT ON THE SITE WILL BE FREE OF INTERRUPTION, FREE OF ERRORS, OR THAT ANY OF THE SITES IS FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFESTS CONTAMINATING OR DESTRUCTIVE PROPERTIES.

LIMITATION OF LIABILITY:

UNDER NO CIRCUMSTANCES SHALL EQARO OR SERVICE PROVIDER OR ANY OF ITS AFFILIATES BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY DIRECT, SPECIAL, EXEMPLARY, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR COSTS, OR ADVOCATE / SOLICITOR / ATTORNEY’S FEES ARISING OUT OF OR RELATING TO THESE TERMS, ACCESS TO, USE OF, OR THE OPERATION OF ANY SITE, ANY OF THE SITE CONTENT, OR USER CONTENT. YOUR SOLE AND EXCLUSIVE REMEDY AND EQARO’S SOLE AND EXCLUSIVE LIABILITY TO YOU FOR ANY REASON SHALL BE FOR YOU TO DISCONTINUE YOUR ACCESS TO OR USE OF THE WEBSITE / MOBILE APPLICATION. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

INDEMNITY:

You agree to indemnify, defend and hold EQARO, its affiiliates, Directors, employees and shareholders, harmless from and against all losses, expenses, damages and costs, including reasonable advocate / solicitor / attorneys' fees, arising out of or relating to any misuse by you of the content and services provided on the website or mobile application of EQARO.

ASSIGNMENT:

You may not assign or otherwise transfer your rights or obligations under these Terms. EQARO may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you.

WAIVER:

If EQARO failed to act on your breach or anyone else's breach on any occasion, EQARO is not waiving its right to act with respect to future or similar breaches.

LAW AND JURISDICTION:

This Terms of Use, shall be governed by and construed in accordance with the laws of the Republic of India, the courts at New Delhi shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with these terms and conditions.

INFORMATION ABOUT EQARO:

Eqaro is a credit and financial risk surety company adding value, innovation and technology in the alternative financing, emerging credit risk and financial surety sector in India. It provides financial guarantee for performance of obligation of its customers in consideration of a guarantee fee.

EQARO advises you to print a copy of these terms and conditions for your future reference. If you have any questions, comments, concerns or feedback regarding this “Terms of Use” please write us at support@eqaroguarantees.com