This document is an electronic record in terms of the Information Technology Act, 2000 and rules made thereunder. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that requires publishing the rules and regulations, privacy policy and terms of use for access or usage of this website.

Please read these terms and conditions (“terms”) carefully before using this website. By using this website, you acknowledge that you have read, understood and agree to be bound by and comply with these terms. If you are accepting these terms on behalf of another person or company or other legal entity, you represent and warrant that you have full authority to bind such person, company or legal entity to these terms.

Each time you access this website, you should review the current terms. You can determine when these terms were last revised by referring to the "last updated" legend at the top of these terms. If at any time you find these terms unacceptable or if you do not agree to be bound by these terms, then you must not access this website or use any of its services.

These Terms govern your access to and use of the website www.Svakarma.com (“Website”) provided by Svakarma Finance Private Limited, a Private Limited Company incorporated under the Companies Act, 2013, with its registered office at 803, Floor 8, Lodha Supremus, Dr E Moses Road, Worli Naka, Worli, Mumbai, Mumbai City, Maharashtra (hereinafter collectively referred to as “Svakarma” which expression shall, unless it be repugnant to the context or meaning thereof, be deemed to include its successors, affiliates, partners and permitted assigns).

These terms constitute a legally binding agreement between you and Svakarma regarding your use of this website and/or any services provided by Svakarma. Written approval is not a prerequisite to the validity or enforceability of these terms.

1. No Solicitation: By accessing this Website, you confirm that you are doing so at your own discretion and that there has been no solicitation, inducement or invitation of any nature, by Svakarma to access the Website and use the services of Svakarma.
2. Intellectual Property Rights: Except as otherwise indicated, Svakarma and its third- party licensors are the owner of all intellectual property of all content on the Website including, but not limited to, products, services, forms, drafts, texts, images, logos, documents, graphics, sounds, techniques, methodologies, processes, ideas, formulae, software programs, object codes and/or source codes contained in this Website. You are hereby prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content available on this Website for commercial or public purposes.
3. Limited License: Svakarma grants you a non-exclusive, non-transferable, limited license to access and use the Website for non-commercial purposes only and only to the extent that such use does not violate these Terms. You shall not copy, reproduce, license, publish, sell distribute, modify, display or otherwise use any portion of the content of this Website, in any other way or for any other purpose without the prior written consent of Svakarma. Accessing, downloading, printing, posting, storing or otherwise using the Services for any commercial purpose, whether on behalf of yourself or on behalf of any third party, without the prior written consent of Svakarma shall constitute a material breach of these Terms.
4. Privacy Policy: You hereby confirm that you have read our Privacy Policy (“Policy”), the terms of which are incorporated herein, and agree that the terms of such Policy are acceptable to you. You consent to the use of your personal and/or business information by Svakarma in accordance with the terms of and for the purposes set forth in the Privacy Policy.
5. Confidentiality: As elaborated under the Privacy Policy, Svakarma will keep all your confidential information confidential, including your personal and business information, and shall not disclose it to anyone except as required by law, and shall ensure that such confidential information is protected with security measures and a degree of care that it would apply to its own confidential information. Svakarma shall use the confidential information only for the permitted purpose for which it is provided. Svakarma shall use all reasonable endeavours to ensure that its employees, directors, agents and contractors acknowledge and comply with the provisions of these Terms of confidentiality as if such person was subject to these Terms of confidentiality.
6. Links to Third-Parties' Websites: This Website may contain links and interactive functionality interacting with the websites of third parties, including social media websites. Svakarma is not responsible for and has no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms, or content of any such website. Before enabling any sharing functions to communicate with any such website or otherwise visiting any such website, Svakarma strongly recommends that you review and understand the terms and conditions, privacy policies, settings, and information- sharing functions of each such thirdparty website.
7. Blog and Product Information: The material and information contained on this website is for general information purposes only. You should not rely upon the material or information on the website as a basis for making any business, legal or any other decisions. Whilst we endeavour to keep the information up to date and correct, Svakarma makes no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services or related graphics contained on the website for any purpose. Any reliance you place on such material is therefore strictly at your own risk.
8. Termination:
   • By Svakarma: Svakarma may modify, suspend, or terminate access to, all or any portion of the Website at any time for any reason.
   • By you: If you wish to terminate these Terms, you may immediately stop accessing or using this Website at any time
   • Automatic upon breach: Your access to, and use of, the Website may be terminated by Svakarma automatically upon your breach of any of these Terms.
   • Survival: The disclaimer of warranties, the limitation of liability, and the jurisdiction and applicable law provisions shall survive any termination of these Terms.
9. Indemnification: You agree to indemnify, defend, and hold harmless Svakarma and its officers, directors, agents, and employees (each, an “Indemnitee“) from and against any and all liabilities, damages, losses, expenses, claims, demands, suits, fines, or judgments (each, a “Claim” and collectively, “the Claims“), which may be suffered by, incurred by, accrued against, charged to, or recoverable from any Indemnitee, by reason of any Claim arising out of or in connection with (i) your use of and access to this Website; (ii) your violation of any term of these Terms; or (iii) your violation of any Svakarma copyright, trademark or other Intellectual Property Right.
10. Disclaimer of Warranties:
    The website and all information, content, materials, products and services included on or otherwise made available to you through the website (collectively, the "contents") are provided by Svakarma on an "as is," "as available" basis, without representations or warranties of any kind. Svakarma makes no representations or warranties of any kind, express or implied, as to the operation of the website, the accuracy or completeness of the contents and the accuracy of the information. Svakarma shall have no responsibility for any damage to your computer system or loss of data that results from the download of any content, materials, document or information. You expressly agree that your use of this website is at your sole risk. Svakarma will not be liable for any damages of any kind arising from the use of this website or the contents including, without
    Limitation, direct, indirect, consequential, punitive, and consequential damages, unless otherwise specified in writing. To the full extent permitted by law, Svakarma disclaims any and all representations and warranties with respect to the website and its contents, whether express or implied, including, without limitation, warranties of title, merchantability, and fitness for a particular purpose or use.
11. Limitation of Liability
    In no event shall Svakarma, its directors, employees or agents, be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any (i) errors, mistakes, or inaccuracies of content; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of our site; (iii) any unauthorized access to or use of our secure servers and/or any and all personal and/or business and/or financial information stored therein; (iv) any interruption or cessation of transmission to or from the website; (v) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through the website by any third party; and/or (vi) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via this website, whether based on warranty, contract,tort, or any other legal theory, and whether or not Svakarma is advised of the possibility of such damages.
12. Governing Law and Resolution of Disputes: These Terms shall be governed by, and interpreted in accordance with the laws of India. In the event of any dispute arising out of these Terms the same shall be settled by a binding arbitration conducted by a sole arbitrator, appointed jointly by both Parties and governed by the Arbitration and Conciliation Act, 1996. The venue of arbitration shall be Mumbai, Maharashtra, India.