The terms “us” or “we” or “our” refers to owner Pravasimoney FZE. A “Visitor” is someone that merely browses our Website. A “Member” is someone who has registered with our Website to use our Services. The term “User” is a collective identifier that refers to either a Visitor or a Member. All text, information, graphics, design, and data offered through our Website or Services, whether produced by our Members or by us, are collectively known as our “Content”. We distinguish content posted by our User as “User Content”. The User shall also be referred to as “You” in this Agreement.
Terms and conditions
Except as otherwise noted, this Agreement constitutes the entire and only Agreement between you and Pravasimoney FZE and supersedes all other Agreements, representations, warranties and understandings with respect to our Website, Services, and the subject matter contained herein. However, in order for you to use our any other Website and/or Services, you may also be required to agree to additional terms and conditions. Those additional terms and conditions will be incorporated into this Agreement unless otherwise stated.
Our products and services occasionally may entail additional terms including age requirements may apply. Additional terms will be available with the relevant product and services, and those additional terms become part of your agreement with us if you use those products and services.
By violating this Agreement in any capacity, you are subject to an immediate removal of your User Account, and potential suspension or termination of your Account.
We grants you a non-exclusive, non-transferable, revocable license to access and use our Website and Services strictly in accordance with this Agreement. Your use of our Website and Services are solely for internal, personal, non-commercial purposes, unless otherwise provided in this Agreement. No print out or electronic version of any part of our Website or Services may be used by you in any litigation or arbitration matter whatsoever under any circumstances.
You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of our Website, Content, Services, and any software provided therein. This Agreement in no way creates any agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between you and us.
Our Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of our Website or Services does not constitute any right or license for you to use our service marks or trademarks, without the prior written permission of us. Our Content, as found within our Website and Services, is protected under UAE and International copyright Laws. The copying, redistribution, use or publication by you of any such Content, is strictly prohibited. Your use of our Website and Services does not grant you any ownership rights to our Content.
Moreover, our Website will respond quickly to claims of copyright infringement as found in our Content, pursuant to the copyright laws of UAE. If you believe any of your copyrights are infringed by our Content, please provide us with a written notice via mail, fax, or email that contains the following information: 1) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; 2) A description of the copyrighted work that you claim has been infringed; 3) A description of where the material that you claim is infringing is located on our Website; 4) Your address, telephone number, and email address; 5) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and 6) A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. We are only required to respond to those notices that substantially comply with the above requirements. We will investigate your claim and will notify by the method of contact you used to file your notice with us.
You hereby acknowledge that nothing contained in our Website shall constitute financial, investment, legal and/or other professional advice that create no professional relationship of any of its kind is generated between you and us or our Members. You hereby agree that you shall not make any financial, investment, legal and/or other decision as a guarantee based in whole or in part on anything contained in our Website or Services.
Our Website may contain service providers, advertising and sponsorships. Service providers , Advertisers and Sponsors are responsible for ensuring that material submitted for inclusion on our Website is accurate and complies with applicable laws. We are not responsible for the illegality or any error, inaccuracy or problem in the Service Provider’s or advertiser’s or sponsor’s materials. The inclusion of third party advertisements does not constitute an endorsement, guarantee, warranty, or recommendation by us and we make no representations or warranties about any product or service contained therein.
We are not responsible or liable in any manner for any Content posted on our Website or in connection with our Services, whether posted or caused by Members of our Website, or by us. Although we provide rules for Member conduct and postings, we do not control and are not responsible for what Members post, transmit or share on our Website or Services, and are not responsible for any offensive, inappropriate, obscene, unlawful or otherwise objectionable content you may encounter on our Website or Services. We are not responsible for the conduct, whether online or offline, of any user of our Website or Services. Our Website or Services may be temporarily unavailable from time to time for maintenance or other reasons. We 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, Member communications. We are not responsible for any technical malfunction or other problems of any telephone network or service, computer systems, servers or providers, computer or mobile phone equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or any combination thereof, including injury or damage to Member’s or to any other person’s computer, mobile phone, or other hardware or software, related to or resulting from using or downloading materials in connection with the our Website or Services, including without limitation any software provide through our Website or Services. Under no circumstances will we be responsible for any loss or damage, including any loss or damage or personal injury or death, resulting from anyone’s use of our Website or Services, or any interactions between Users of our Website or Services, whether online or offline. We reserves the right to change any and all Content, software and other items used or contained in our Website or Services, at any time without notice. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, and supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by our Website, by third parties or by any of the equipment or programming associated with or utilized by our Services.
I agree to accept the above said terms and conditions : I agree
Pravasimoney provides you a platform through which you can obtain information and you can find third-party service providers, such as financial institutions, credit card providers, mortgage brokers, insurance brokers, insurance agents, discount program representatives and other insurance professionals ("Service Providers").
Pravasimoney does not endorse or recommend the products or services of any Service Provider, and is not an agent or advisor to you or any Service Provider.
Pravasimoney does not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers.
Pravasimoney urges you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
This is an Agreement between Pravasimoney, the owner and operator of www.pravasimoney.com, limited to its services herein through the Pravasimoney Site and a User of the Service.
Pravasimoney allows Users to post contents, including photos, comments, links, and other materials. Anything that you post or otherwise make available on the website. You acknowledge and agree that you are solely responsible for your own Content posted on, transmitted through, or linked from the website and the consequences of posting, transmitting, linking or publishing it. More specifically, you are solely responsible for all Content that you upload, email or otherwise make available via the website. In connection with such Content posted on, transmitted through, or linked from the Service by you, you affirm, acknowledge, represent, and warrant that:
you own or have the necessary licenses, rights, consents, and permissions to use such Content on the Service and Website not limited to without limitation all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all such Content.
Pravasimoney reserves their right to refuse to share or display, move; and/or delete any Content posted on the Website without notification, including right to modify User Content for any reason, including User Content that we believe violates these Terms or ourpolicies.
Pravasimoney shall not be liable for any losses, costs, damages or claims in connection with, arising from or related to your decision based on the content posted in the website
To use certain Services provided by us, you must register and create an account (“Account/User Account”).
You agree that you are responsible for protecting your password and controlling access to your registered account. You shall at all times remain responsible for any activity that happens on or through your Account. We reserve the right to terminate any username and password, which we reasonably determine may have been used by an unauthorized third party.
We take such commercially reasonable measures as we deem appropriate to secure and protect information transmitted to and from the Site. Nevertheless, we cannot and do not guarantee that any such transmissions are or will be totally secure.
USER REPRESENTATIONS AND WARRANTIES
You are solely responsible for your use of the website including but not limited to Services explicitly stipulated by integrating and combining with any information or other materials therein. You agree that you will not misuse or exploit amounting to infringement any text, image, design, trademark, service mark, or any copyrighted work of any third party provided in the website unless you have obtained the appropriate authorizations from respective owners. You warrant that your use of website do not infringe upon any rights of any third party, including copyright, trademark, right of publicity or privacy, and will not libel or defame any third party.
If you make an inquiry through the “Contact Me” option, then you expressly authorize Pravasimoney, and their affiliates and third-party service providers to contact you by telephone, fax and email at the numbers and addresses provided, for purposes of providing you with the quotes, products and services indicated in the inquiry.
By using the website, you agree to be subject to the following rules, with which you agree to comply and to which you consent:
You confirm and warrant that Pravasimoney is not a financial institution, insurance provider or other Service Provider. You also agree that Pravasimoney may help to connect you with Service Providers that might meet your needs based on information provided by you. Pravasimoney does not, and will not, make any coverage or credit decision with any Service Provider referred to you. Pravasimoney does not issue mortgages, credit cards, insurance coverage or any other financial products.
You further agree that Pravasimoney does not make any warranties or representations regarding the quotes, fees, terms, rates, coverage, services or other information offered or made available by Service Providers. Pravasimoney does not guarantee that quotes, fees, terms, rates, coverage, services or other information offered by Service Providers are the best available.
INTELLECTUAL PROPERTY RIGHTS OF PRAVASIMONEY AND THIRD PARTY SERVICE PROVIDERS (FEDERAL LAW NO. (7) OF 2002 CONCERNING COPYRIGHTS AND NEIGHBORING RIGHTS)
You may not use the Proprietary Marks of Pravasimoneywithout the prior express written permission from Pravasimoney.Pravasimoney makes no proprietary claim to any third-party names, trademarks or service marks appearing on the Site. Any third-party names, trademarks, and service marks are property of their respective owners.
Viewing, reading, printing, downloading or otherwise using the content and/or the collective work on the Site does not entitle you to any ownership or intellectual property rights.
You shall be solely responsible for any damage resulting from your infringement of Pravasimoney or any third party's intellectual property rights regarding the Proprietary Marks and/or any other harm incurred by Pravasimoney as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement.
We are committed to respecting and protecting the legal rights of copyright owners. As such, we adhere to the following notice and take down policy, in full compliance with the laws of the land. If you believe that your intellectual property rights have been infringed upon by a Pravasimoney user, please notify us immediately.
PRICING, PAYMENT METHOD AND ROYALTIES
Unless you are a Service Provider or order a specific service through the Site, Pravasimoney does not charge you a fee to use the Site. Pravasimoney may charge a consultation fee which shall be prescribed and informed to you in advance prior to provision of such service or consultation.
Pravasimoney is not involved with and is not responsible for any fee arrangement that you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. You hereby release Pravasimoney of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider's products or services, including any fees charged by a Service Provider.
You agree to defend, indemnify and hold Pravasimoney and its affiliates harmless from and against any and all claims, damages, costs and expenses, including reasonable attorneys’ fees, arising from or relating to your use of the website and/or its Services, your violation of this Agreement, or your violation of any law or rights of another.
These Terms are effective until terminated by you or Pravasimoney. Your rights under these Terms will terminate automatically without notice from Pravasimoneyif you fail to comply with any term(s) of this website. Upon termination of these Terms you shall cease all use of the site, and destroy all copies of any content, work or such other downloads from the site, which may or may not belong primarily to the site, in full or partial.
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE WEBSITE AND THE SERVICE IS AT YOUR SOLE RISK AND THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE, AND ANY PRAVASIMONEY CONTENT OR USER CONTENT, THIRD PARTY CONTENT, SERVICE PROVIDER CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, AND PRAVASIMONEY HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE WEBSITE, THE SERVICE, AND ANY PRAVASIMONEY CONTENT OR OR USER CONTENT, THIRD PARTY CONTENT, SERVICE PROVIDER CONTENT, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, OF QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. PRAVASIMONEY DOES NOT WARRANT THAT THE WEBSITE, THE SERVICE, AND ANY PRAVASIMONEY CONTENT OR USER CONTENT, THIRD PARTY CONTENT, SERVICE PROVIDER CONTENT, WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE WEBSITE WILL BE CORRECTED, OR THAT THE SERVICE WILL BE AVAILABLE. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY PRAVASIMONEY OR ITS AUTHORIZED REPRESENTATIVES SHALL CREATE A WARRANTY.
LIMITATION OF LIABILITY
IN NO EVENT SHALL THE PRAVASIMONEY, ITS CONTRACTORS, SUPPLIERS, CONTENT-PROVIDERS AND OTHER SIMILAR ENTITIES, AND THE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS OF EACH OF THE FOREGOING, BE LIABLE TO YOU, YOUR ORGANIZATION, OR ANY OTHER THIRD-PARTY FOR ANY LOSS, COST, DAMAGE, OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH:
Under no circumstances shall the Pravasimoney, its contractors, suppliers content-providers and other similar entities, and the officers, directors, employees and agents of each of the foregoing, be liable to you, your organization for any indirect, consequential, incidental, punitive, special, or similar damages or costs arising out of or in connection with these terms, the site, service providers, or services. In a jurisdiction that does not allow the exclusion or limitation of liability for certain damages, the liability of Pravasimoney, its contractors, suppliers, content-providers, and other similar entities, and the officers, directors, employees, representatives and agents of each of the foregoing, shall be limited in accordance with these terms to the fullest extent permitted by law. Without limiting any of the foregoing, if Pravasimoney, its contractors, suppliers, content-providers, or other similar entities, or any of the officers, directors, employees, representatives, or agents of any of the foregoing, is found liable to you or to any third-party as a result of any claims or other matters arising under or in connection with these terms, the site, service providers, or services, Pravasimoney and such parties’ cumulative, aggregate and maximum liability for all such claims and other matters in any calendar year shall not exceed USD 100/- (us dollar one hundred only). The site would not be provided without such limitations and you agree that the limitations and exclusions of liability, disclaimers and exclusive remedies specified herein will survive even if found to have failed in their essential purpose.
BY USING AND ACCESSING THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND THE PrivacyPolicy REFERENCED HEREIN.
If you choose to access or use the website, you do so on your own initiative and are responsible for:
You hereby agree that if the terms of this Agreement are not specifically enforced, Pravasimoney will be irreparably damaged, and therefore you agree thatPravasimoney shall be entitled, without bond, other security, proof of damages, to appropriate reasonable remedies with respect any of this Agreement, in addition to any other available remedies.
Pravasimoney recognizes that you have a right to privacy, and we will not give or sell anyone specific information about you or any inquiries you have placed through the website other than the service provider or agents of the provider whom you applied with the website. Pravasimoney collects information (including email addresses) that allows us, among other things, to: process and fill your inquiry form; contact you regarding the processing of your requirement; improve our website and service; and send informative and promotional emails that may be of interest to you. While this information may be used by us for marketing purposes, it is never shared or sold to other organizations for commercial purposes.
You shall not assign or transfer or purport to assign or transfer the contract between you and us to any other person.
GOVERNING LAW & JURISDICTION
DISCLOSURE AND DISCLAIMER
THE SITE, SERVICE PROVIDERS AND SERVICES ARE ALL PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTIES OR GUARANTIES, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
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