TERMS AND CONDITIONS
By accessing these applications / portals / platforms :- https://ethicsfintech.com/ and other as may be launched from time to time(hereinafter referred to as "Website”, “Platform" and/or “Application”, which shall mean and be used interchangeably having the same meaning) is developed, operated and maintained by Ethics Fintech Private Limited ("The Company"), a company, having registered office at: A - 2102/2103, 21st Floor, Privilon Building, Iscon Cross Road, Ahmedabad, Gujarat - 380054, you agree to be legally bound by following terms and conditions and other incidental or related aspects for use. Before you use the platform, you must read all of the terms and conditions (''Terms") herein and the Privacy Policy provided on the Website. You must be at least [18] years of age to use our platform / website; by using our platform and agreeing to these terms and conditions, you warrant and represent to us that you are at least [18] years of age; Audience less than 18 years of age should register with credentials of Parent(s) and/or Legal Guardian. Platform shall not be responsible to validate and authenticate your age, however, platform reserves the right to optionally / randomly conduct checks to verify the correctness of legal age of your’s / your legal guardian’s age registering on platform on your behalf. "we", "our" and "us" means "the company", "you", “user” and "your" means any person and/or the institutions / organizations etc., but not limited to, who accesses and uses this Platform along with updating their users on this platform. It is strongly recommended to you to visit this page periodically to review the most current version of the Terms and Conditions. The Company reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and your continued access or use of this platform signifies your acceptance of the updated or modified Terms. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the platform in any way, you should immediately terminate the use of this platform. Should parts of this information not or no longer comply with applicable law, the remaining parts of the information remain unaffected in terms of its content and validity.
PART A: GENERAL TERMS AND CONDITIONS OF USE
This Terms and Conditions is an Electronic Record published in terms of Information Technology Act, 2000 and Digital Personal Data Protection Act, 2023 of India and generated by a computer system and does not require any physical or digital signatures and is in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2021 issued under the aforesaid Act. Before you further use this Platform, you must read all of the terms and conditions specified (all sections of this Platform including but not limited to the General Terms and Conditions of Use, the Special and Additional Terms and Conditions of use and Privacy Policy provided on this Platform) collectively hereinafter referred to as the Agreement. By using these Ethics Fintech Products, Software, Services and the Platform (hereinafter referred to as Services), you hereby confirm to having accepted the Agreement, with immediate effect. If you do not agree to the aforesaid paragraph, please do not proceed to further on this Platform. If this Agreement conflicts with any other document(s), this Agreement will override and supersede such other document(s) and in case of conflict between Part A (General Terms and Conditions of Use) and Part B (Special and Additional Terms and Conditions of Use), the specific provisions of Part B shall prevail. Apart from it, all the terms and conditions which are obligatory to or binding on you will be applicable.
GENERAL
To the extent that any provision of this Agreement/ Terms and Condition is found to be invalid, unlawful or unenforceable you agree that the courts at Surat shall have exclusive jurisdiction over the matter and shall endeavor to give effect to the Parties' intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining terms and conditions. Headings are for reference purposes only and do not limit the scope or extent of such section. The failure of the company to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. The company does not guarantee it will take action against all breaches of this Agreement. Except as otherwise expressly provided in this Agreement there shall be no third-party beneficiaries to this Agreement. This Agreement constitutes the entire agreement, subject to specific provisions herein, between you and the company and governs your use of the Platform and the Services, superseding any prior agreements or any communication written or oral by any mode between you and the company with respect to the Platform and/or the Services.
DESCRIPTION OF SERVICES/ PURPOSE
Any person who accesses, browses, or uses this Platform shall be deemed to have read, understood, and agreed to be bound by these Terms and Conditions, all applicable copyright policies, and all applicable laws and regulations, irrespective of whether such person avails any paid or unpaid services through the Platform.
While accessing or using the Platform, users may voluntarily provide certain information including but not limited to business details, contact information, store details, or other information required to facilitate access to loan related information and services. By using the Platform, users expressly consent to the collection, storage, processing, and use of such information by the Company in accordance with applicable laws. While using and accessing this platform, user provides consent to store various information of user like name, address, email, phone number, user’s option to register through Gmail/Facebook, geographical location, CV etc. User understands that some or all of these may be specified under personal information and user unconditionally provides Company their consent to store, use, process, transmit etc., this information. Additionally, user provides consent to Company allowing Company to use various analytics tools like Google / web analytics etc., over such data of user. Company further collects and store other information that may include, users name, number email etc., but not limited to, to which user completely provides their consent hereof.
This is a platform which enables loan transactions between borrowers and business loan providers, through this Platform loan services such as invoice - based finances, term loans etc. are provided by various banks and financial institutions to the retail stores. We shall endeavor to provide to its users through the Platform, access to information primarily about availability of various loan services to retail stores. Further details related to the services may be availed from the above-mentioned website/s.
The User shall be bound by the Terms of Use and policies existing in Company and other applicable laws for any purpose regardless of whether the User is availing any paid services or not.
This platform provides valuable services to various users as per their needs. It shall be clarified that services availed by the user to access this Platform may involve fees of third- party opted by you (such as internet service provider or airtime charge) in addition to any other fees levied or payable separately under this Agreement which shall be borne solely by the users. Any information or data provided by the users shall be used solely for the purpose of facilitating access to loan-related services, improving the Platform, complying with legal or regulatory requirements, or enhancing user experience, and shall not be used for any unrelated purpose. The Company reserves the right to modify, amend, update, suspend, or introduce additional terms, features, or conditions to the Platform or the services at any time, including as may be required by applicable laws, regulatory authorities, or partner institutions, without prior notice.
PROPRIETARY RIGHTS
You acknowledge and agree that the Company owns all legal rights, titles, and interests, including intellectual property rights, in the Platform and its content. The copyright and ownership of the Site and its content are solely with the Company. You further acknowledge that the Platform may contain information which is designated confidential by the company and that you shall not disclose such information without the company's prior written consent. You may not copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Platform.
The trademarks, logos, designs and service marks (“Marks”) displayed on this Site are the property of the Company (and/or the respective institutes, organizations, publications etc., respectively) and shall always remain the sole property of the Company. Trademarks and domain name of the Site also vests with the Company. Marks that have been applied for registration and the unregistered trademarks shall also be the sole property of the Company. You do not have the right to use any of the company’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services or on the Platform. You will not copy or transmit any of the Services, components of service, data, details or information. You are strictly prohibited to modify, copy, alter, change, distribute, display, publish, transform, transfigure and/or mutate any part of the Platform and/or the Services outside the platform and/or in any manner apart from the one permissible on the platform from time to time.
The Company’s Platform (including the current website and any future versions or launches) respects the intellectual property rights of banks, financial institutions, content providers, service providers, partner organizations, and other third parties, and expects all users accessing or using the Platform to do the same. Users agree to comply with all applicable confidentiality obligations and other relevant provisions of this Agreement while accessing or using the Platform, including with respect to information, data, content, systems, or materials belonging to the Company and/or third-party lenders, financial institutions, service providers, technology partners, or other associated entities. Such obligations shall apply not only towards the Company but also towards all respective third parties associated with the services made available through the Platform. Users are bound by confidentiality and other clauses to respect intellectual property rights.
USAGE OF THE PLATFORM:
The Company grants users a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform solely for the purpose of facilitating and enabling loan transactions between borrowers and third-party business loan providers, including banks and financial institutions, and for viewing information related to loan products such as invoice-based financing, term loans, and other related financial services. This limited license does not permit users to copy, reproduce, extract, modify, distribute, or otherwise use any information, data, or content available on the Platform in any form for the benefit of any other individual, vendor, or third party, nor does it permit caching, scraping, framing, mirroring, or creating unauthorized hyperlinks to the Platform or its content.
By using the Platform, you agree not to:
- Use this Platform or its contents for any purpose other than as defined in the Platform.
- Make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand
- Access, monitor or copy any content or information of this Platform using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
- Violate the restrictions in any robot exclusion headers on this Platform or bypass or circumvent other measures employed to prevent or limit access to this Platform.
- Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure
- Deep link to any portion of this Platform (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or
- "Frame", "Mirror" or otherwise incorporate any part of this Platform into any other Platform without our prior written authorization.
- Use, post etc., any content which is defamatory, obscene, pornographic, pedophilic, invasive of another’s privacy or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force. Such act may constitute of criminal proceedings against the user at his/her own risk, damage and consequences.
- Breach any restrictions, guidelines that may be imposed by competent authorities from time to time
- Use Downloaded Content upon or after the expiration of the Use Period and acknowledge that any expired Download Content will be automatically deleted from User without further notice to user.
- Remove any proprietary notices or labels on the Site or Site Content
- Use the Site, Site Content or Service, or any portion thereof, for any purposes which are unlawful in any nation or jurisdiction in the world or for any commercial purpose whatsoever.
- Use the Site, Site Content or Service in conjunction with any device or service designed to circumvent technological measures employed to control access to, or the rig
LOCAL LAWS
The company controls and operates this Platform from its headquarters in Gujarat, India and makes no representation that the Services offered on the Platform are appropriate or available for use in other locations or jurisdictions. Unless otherwise explicitly stated, all marketing or promotional materials found on this Platform are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. By agreeing to these terms and conditions of use, you confirm and undertake that neither you nor any of your representatives shall have the right to challenge the governing law and jurisdiction as more specifically set out herein and/or in Part B (Special and Additional Terms and Conditions) as the case maybe.
SUBMITTED CONTENT
The Company does not claim ownership or rights over any information, data, documents, or materials ("Materials") provided by you on the Platform. However, certain institutions using the platform may have subscribed to third-party content, owned by those respective 3rd party content providers. The Company does not claim ownership or accuracy of such third-party content. The Company may, at its discretion, incorporate these Materials into the Services either wholly, partially, or in modified forms. By submitting or making Materials available on the Platform, you grant the Company a perpetual, irrevocable, worldwide, royalty-free, nonexclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such Materials, including the use of your name in connection with such content, unless otherwise agreed by the Company.
You hereby represent, warrant and covenant that any Material you provide do not include anything to which you do not have the full right to grant the license specified in this Section. In case any liability arises on the company then you shall be solely liable and shall indemnify the company. We take no responsibility and assume no liability for any Material and its content posted or submitted by you. We have no obligation to post your Material or comments; we reserve the right in our absolute discretion to determine which Material/comments are published on the Platform. If you do not agree to these terms and conditions, please do not provide us with any Material/content for submission. You agree that you are fully and solely responsible for genuineness, veracity and authentication of the Material and content you submit.
You are prohibited from posting or transmitting, including but not limited to the following, to or from this Platform: Any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services) unless specifically required by the company
Any unauthenticated or manipulated data (in any form) leading to forgery. Any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. Any noncompliance/breach/infringement of the above shall entitle the company to take strict actions as it deems fit against you. You shall be solely liable for any damages, claim, costs and expenses resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Platform.