Terms and Conditions

Last Updated: January 15, 2025

Welcome to Girwe. By accessing or using our platform, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By registering, accessing, or using Girwe.com (“Platform”), you agree to comply with and be legally bound by these Terms and Conditions, whether or not you become a registered user.

If you do not agree to these terms, please do not use our Platform.

2. About Girwe

Girwe is a peer-to-peer (P2P) lending marketplace that connects:
* Borrowers seeking loans against their assets
* Lenders willing to provide loans
* Lawyers who verify pledges and draft legal agreements

Girwe acts as a facilitator and does not provide loans directly. We are not a bank, NBFC, or financial institution.

3. Eligibility

To use Girwe, you must:
* Be at least 18 years of age
* Be a resident of India
* Have the legal capacity to enter into binding contracts
* Provide accurate and complete information during registration
* Own or have legal rights to any assets you pledge

4. User Accounts

Registration: You must create an account to use our services. You are responsible for maintaining the confidentiality of your account credentials.

Accurate Information: You agree to provide true, accurate, and complete information and keep it updated.

Account Security: You are responsible for all activities under your account. Notify us immediately of any unauthorized use.

Account Termination: We reserve the right to suspend or terminate accounts that violate these terms.

5. For Borrowers

Pledge Authenticity: You confirm that you own or have legal rights to any assets you pledge as collateral.

Accurate Listing: All information in your pledge listing must be truthful and accurate.

Legal Documentation: You agree to provide necessary documents for lawyer verification.

Loan Repayment: You are legally obligated to repay loans as per the agreed terms.

Default Consequences: Failure to repay may result in legal action and loss of pledged assets as per the loan agreement.

6. For Lenders

Investment Risk: Lending carries risk. You may lose your principal if borrowers default.

Due Diligence: You are responsible for evaluating borrowers and pledges before lending.

Legal Agreement: All loans must be formalized through lawyer-drafted agreements.

No Guarantee: Girwe does not guarantee loan repayment or returns on investment.

7. For Lawyers

Professional Credentials: You must be a registered, practicing lawyer with valid credentials.

Verification Standards: You agree to verify pledges thoroughly and professionally.

Legal Compliance: All agreements must comply with applicable Indian laws.

Professional Liability: You are responsible for the accuracy of your verifications and legal documents.

8. Platform Services

Girwe provides:
* A marketplace to connect borrowers, lenders, and lawyers
* Tools to create and manage pledge listings
* Lawyer verification services
* Communication facilities between parties
* Legal agreement templates and documentation support

Girwe does NOT:
* Provide loans or financial advice
* Guarantee loan repayment
* Act as a party to loan agreements
* Store or hold pledged assets
* Provide insurance or protection against defaults

9. Fees and Charges

Platform Fee: Girwe may charge service fees for facilitating connections and transactions.

Lawyer Fees: Lawyers charge separately for verification and legal services.

Payment Terms: All fees must be paid as specified at the time of transaction.

No Refunds: Service fees are generally non-refundable except as required by law.

10. Lawyer Verification

Purpose: Lawyer verification ensures pledge authenticity and legal documentation.

Process: Registered lawyers verify ownership documents, asset condition, and legal status.

Limitation: Verification does not guarantee asset value or loan repayment.

Legal Binding: Verification reports and agreements are legally binding documents.

11. Loan Agreements

Direct Contract: Loan agreements are between borrowers and lenders. Girwe is not a party.

Legal Enforceability: All agreements must be legally valid and enforceable under Indian law.

Terms: Interest rates, repayment schedules, and other terms are negotiated between parties.

Documentation: Proper documentation is mandatory for all transactions.

12. Prohibited Activities

You may NOT:
* Provide false or misleading information
* Pledge assets you don’t own or have rights to
* Use the platform for illegal activities
* Harass, threaten, or defraud other users
* Attempt to bypass lawyer verification
* Create multiple accounts to manipulate the system
* Use automated tools to scrape or access the platform
* Violate any applicable laws or regulations

13. Intellectual Property

Platform Content: All content, logos, designs, and materials on Girwe are our intellectual property.

User Content: You retain ownership of content you post but grant us license to use it for platform operations.

Restrictions: You may not copy, modify, or distribute our content without permission.

14. Privacy and Data Protection

Data Collection: We collect and process personal data as described in our Privacy Policy.

Data Security: We implement reasonable security measures to protect your data.

Third-Party Sharing: We may share data with lawyers and other parties as necessary for transactions.

User Responsibility: You are responsible for the accuracy of information you provide.

15. Disclaimers

No Warranty: The platform is provided “as is” without warranties of any kind.

No Financial Advice: We do not provide financial, legal, or investment advice.

Third-Party Actions: We are not responsible for actions of borrowers, lenders, or lawyers.

Technical Issues: We do not guarantee uninterrupted or error-free service.

16. Limitation of Liability

To the maximum extent permitted by law:

* Girwe is not liable for any losses arising from platform use
* We are not responsible for loan defaults or disputes between parties
* Our total liability is limited to the fees you paid to us
* We are not liable for indirect, consequential, or punitive damages

17. Dispute Resolution

Between Users: Disputes between borrowers and lenders must be resolved directly or through legal channels.

With Girwe: Any disputes with Girwe will be governed by Indian law and subject to the jurisdiction of courts in Satna, Madhya Pradesh.

Arbitration: We may require arbitration for certain disputes as per Indian Arbitration Act.

18. Indemnification

You agree to indemnify and hold Girwe harmless from any claims, losses, or damages arising from:
* Your violation of these terms
* Your use of the platform
* Your transactions with other users
* Your violation of any laws or third-party rights

19. Modifications to Terms

We reserve the right to modify these Terms at any time.

Notice: We will notify users of significant changes via email or platform notification.

Continued Use: Your continued use after changes constitutes acceptance of new terms.

20. Termination

We may suspend or terminate your access for:
* Violation of these terms
* Fraudulent or illegal activity
* Non-payment of fees
* Any reason at our discretion

Effect: Upon termination, your right to use the platform ceases immediately.

21. Governing Law

These Terms are governed by the laws of India.

Jurisdiction: Courts in Satna, Madhya Pradesh have exclusive jurisdiction.

22. Severability

If any provision is found invalid, the remaining provisions continue in full effect.

23. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Girwe.

24. Contact Us

For questions about these Terms:

Email: legal@girwe.com
Address: Girwe, Bangalore, India

By using Girwe, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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