Terms Of Use
1. GENERAL

The mobile (android / iOS) / tablet / web application ‘CoValue’ (hereinafter referred to as “Application” or “App”), is owned by CoValue Technologies Private Limited, Mumbai, India.

  1. For the purpose of these Terms of Use, as amended, wherever the context so requires “You” or “User” shall mean any natural or legal person who has agreed to become a user of the Application by installing the Application. The term “We”, “Us”, “Our” shall mean CoValue. “Agreement” shall mean and refer to this Terms of Use, including any amendments that may be incorporated into it and the Terms of Use, and other Policies available on our Website, www.covalue.io. “Third Party” shall mean and refer to any natural or legal persons apart from the User and CoValue.

    The headings of each section in this Terms of Use are only for the purpose of organising the various provisions under these Terms in an orderly manner. These headings shall not be used by either party to interpret the provisions contained with them in any manner. Further, the headings have no legal or contractual value. The terms used herein shall have the same meaning ascribed to them in the Terms of Service, Privacy Policy, and other policies available on the Website www.covalue.io (“Website / Site”).

  2. By using the App, You accept and agree to be bound by this Agreement, the Privacy Policy, as well as rules, guidelines, policies, terms, and conditions applicable to any service / module that is provided by or through this Application, including the Terms and Policies on the Website relating to standalone services that shall be deemed to be incorporated into this Terms of Use and shall be considered as part and parcel of this Terms of Use (collectively “Terms”). Your use of Our Application is evidence that you have read and agreed to be contractually bound by these Terms. Please read them carefully. If you do not agree with any of these Terms, please discontinue using the Application.

  3. We hold the sole right to modify the Terms without prior permission from you or providing notice to you. The relationship creates on you a duty to periodically check the Terms and stay updates on its requirements. If you continue to use the Application or avail of its services following such change, it is deemed as consent by you to the so amended Terms. Your continued use of the Application is conditioned upon your compliance with the Terms.

To fully avail the services of the Application, you must download the app from the ‘Google Play store APP’ or Apple ‘App Store’, verify your e-mail ID and / or phone number and provide a password. Alternatively, you may use your social media login credentials to access and use the Application. However, you will have to login to the application to use it, with the help of a password. It is specified that the use of the web application on the Website, you must login using the credentials you registered with. Without limitation to the foregoing, in the event you are barred from undertaking legally binding obligations under the Indian Contract Act, 1872, or are for any reason, unable to provide ‘consent’ as per the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, you are not eligible to register for, use or avail the services available on the Application.


2. RESTRICTIONS ON USE

You may access your account from up to three platforms (IOS, Android and Web), provided, there is only one login per platform.

You may store not more than 1000 (one thousand) plans per module made available.

Without limiting any other provisions of these Terms, you may not use this Application for any purpose that is unlawful or prohibited by these Terms and/or any applicable additional terms. Your access of this Application may be terminated immediately, in our sole discretion, with or without notice, if you fail to comply with any provision of these Terms and/or additional terms, or for any other or no reason.


3. REGISTRATION

You are solely responsible for maintaining the confidentiality of your account, username and password and for all activities and liabilities associated with or occurring under your account, username and password. You must notify us immediately of any unauthorized use of your account, username or password and any other breach of security, and ensure that you exit from your account at the end of each session. We cannot and will not be responsible for any loss or damage arising from your failure to comply with this requirement or as a result of use of your account, username or password, either with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your account, username or password.

You shall not transfer your account, username or password to another person , and you may not use anyone else’s account, username or password at any time without the permission of the account holder.

During registration, You agree to (a) provide true, accurate, current and complete information about yourself as prompted by the registration form, (b) maintain and promptly update your data to keep it true, accurate, current and complete; and (c) comply with these Terms of Use. If you provide any information that is untrue, inaccurate, not current or incomplete, or if we believe that such information is untrue, inaccurate, not current or incomplete, we reserve the right to suspend or terminate your account and refuse any and all current or future use of the App, or any portion thereof.


4. COMMUNICATIONS

By using this Application, it is deemed that you have consented to receiving telephonic calls, SMSs and/or promotional emails from us. Such communications shall be sent to you on the telephone number and/or email id provided by you for the use of this Application / for the Subscription, or that associated with the social media plugin you use to access the Application. Such communication may be for purposes that inter alia include clarification calls, marketing calls and promotional calls.


5. USER CONTENT

CoValue allows you to post content in the form of alphanumeric data, and share content, including documents and comments. Any content that you post / share or otherwise make available on or through the Application is “User Generated Content”. You retain all rights in, and are solely responsible for, any and all User Generated Content you post to CoValue, subject to the terms set forth herein. It is hereby clarified that we play no determinative role in your sharing of User Generated Content with other users, and shall not be liable for any actions or omissions of such user to whom you shared such content. It is further specified that we shall not be liable for any use or sharing of such content by such user. All such responsibility shall vest with the user sharing the User Generated Content.


OUR USE OF USER GENERATED CONTENT

You grant CoValue, its affiliates and concerns, and its Users, a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to store, display, reproduce, and distribute your User Generated Content on CoValue for the purposes of operating, developing, providing, and using CoValue and its services. Nothing in these Terms shall restrict other legal rights CoValue may have to User Generated Content under other licenses. We reserve the right to remove User Generated Content for any reason, including a violation or an apparent violation of these Terms or our policies, as we may solely determine. However, we do not retain the right to modify any User Generated Content, and shall not access the User Generated Content, in the event such access is not required for the purposes of the Services rendered.

Following termination or deactivation of your account, or your removal of any User Generated Content from CoValue, we may, but shall not be bound to, retain such Content for a commercially reasonable period of time for backup, archival, or audit purposes. It is specified that CoValue shall have the right to remove all User Generated Content following termination or deactivation of your account.


FEEDBACK

We value hearing from our users, and are always interested in learning about ways we can make CoValue more awesome. If you choose to submit comments, ideas or feedback, you agree that we are free to use them without any restriction or compensation to you. By accepting your submission, CoValue does not waive any rights to use similar or related Feedback previously known to CoValue, or developed by its employees, or obtained from sources other than you


6. Financial Modeling Prep DATA
  1. All text, graphics, photographs, trademarks, designs and artwork collected from publicly available information or those provided by Financial Modeling Prep or their agents or representatives (collectively, “Financial Modeling Prep Data”), is third-party generated content. We have no control over such content as we are merely an intermediary for the purposes of this Terms of Use, making available the Financial Modeling Prep Data as part of the Application.
  2. In the App, the Company information - Financial Modeling Prep Fundamentals, as well as the price information is obtained from Financial Modeling Prep Data and is protected by copyright, trademark, patent, and trade secret laws, other proprietary rights, and international treaties.
  3. All Financial Modeling Prep Data is subject to Copyright © 2018 Financial Modeling Prep UK Limited, and all rights therein are reserved by Financial Modeling Prep.
  4. Other than when provided for, the User shall not copy, transfer, distribute, reproduce, reverse engineer, decrypt, decompile, disassemble, create derivative works from, or make available to others, any part of the Financial Modeling Prep Data.
  5. You agree to follow all instructions so provided on CoValue limiting the way you may access and/or use Financial Modeling Prep Data.
  6. Subject to the terms of this Agreement, and the terms of the agreement executed between CoValue Technologies Private Limited and Financial Modeling Prep, the User is granted the limited, non-exclusive, non-transferable right to use Financial Modeling Prep Data.
  7. The Financial Modeling Prep Data is made available solely and exclusively for User’s internal use and for business purposes solely in User’s business.
  8. Subject to the terms herein, the User may use Insubstantial Amounts of the Financial Modeling Prep Data in the normal conduct of its business for use in reports, memoranda and presentations to User’s employees, customers, agents and consultants, but Financial Modeling Prep and its respective affiliates reserve all ownership of and redistribution rights to the Financial Modeling Prep Data.
  9. "Insubstantial Amounts of the Financial Modeling Prep Data" shall mean an amount of the Financial Modeling Prep Data that (i) has no independent commercial value as a database, (ii) could not be used by User as a substitute for the Financial Modeling Prep Data or any part of it, (iii) is not separately marketed by User, an affiliate of User or a third-party source, and (iv) is not regularly or systematically retrieved in a manner that does not satisfy clauses (i), (ii) and (iii) of this definition. Financial Modeling Prep and/or CoValue shall have the right to require the User to cease its use of the Financial Modeling Prep Data immediately if, in the sole judgment of Financial Modeling Prep/CoValue, Financial Modeling Prep/ CoValue believes that User’s use involves more than an Insubstantial Amount of the Financial Modeling Prep Data.
  10. Financial Modeling Prep represents and the User acknowledges that the Financial Modeling Prep Data and its component parts were developed, compiled, prepared, revised, selected and arranged by Financial Modeling Prep or its affiliates through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort, money and originality, and that they constitute valuable intellectual property and trade secrets of Financial Modeling Prep. At Financial Modeling Prep’s expense and reasonable request, User agrees to cooperate with Financial Modeling Prep to protect the proprietary rights in the Financial Modeling Prep Data during the term of this Agreement. User covenants to: (i) retain all copyright, trademark,service mark and other proprietary notices contained in the Financial Modeling Prep Data on any copy made by the User; and (ii) not modify the Financial Modeling Prep Data in a way that would constitute an infringement of any third-party intellectual property rights. User agrees to notify Financial Modeling Prep promptly in writing of any unauthorised access or use of which User becomes aware or any claim that the Financial Modeling Prep Data or any component part infringes any copyright, trademark or other contractual or statutory or common law right. The User shall not use Financial Modeling Prep’s trademarks: (i) in, as or as part of, its own trademarks or those of any third parties; (ii) in a manner likely to cause confusion; or (iii) in a manner that implies inaccurately Financial Modeling Prep sponsors, endorses or is otherwise connected with the User’s own activities, products or services. The User shall not under any circumstances remove any trademarks, copyrights or other related visual marks and logos from the Financial Modeling Prep Data or from any reproduction or redistribution of such Financial Modeling Prep Data.
  11. Financial Modeling Prep may, in its sole discretion, terminate User’s use of the Financial Modeling Prep Data for any reason including: (i) breach by User of this Agreement; or (ii) conduct by User that is harmful to Financial Modeling Prep’s business.
  12. User may not use, or assist any third party in using, any portion of the Financial Modeling Prep Data in any way to compete with the Financial Modeling Prep Data. If Financial Modeling Prep believes, in good faith, that the User is competing with Financial Modeling Prep, Financial Modeling Prep may terminate User’s access to the Financial Modeling Prep Data, consider the activity a material breach of the Terms of Use, and pursue any and all remedies for the breach.
  13. User will indemnify and hold harmless Financial Modeling Prep against all claims or demands by and liabilities to third parties, including without limitation reasonable legal fees, arising from or in connection with User’s breach of any of its representations, warranties or covenants in this Agreement and User’s use of the Financial Modeling Prep Data not in accordance with this Agreement.
  14. EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THE Financial Modeling Prep DATA IS PROVIDED “AS IS” AND ALL REPRESENTATIONS, WARRANTIES, TERMS AND CONDITIONS, ORAL OR WRITTEN, EXPRESS OR IMPLIED (BY COMMON LAW,STATUTE OR OTHERWISE), IN RELATION TO THE Financial Modeling Prep DATA ARE HEREBY EXCLUDED AND DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW.IN PARTICULAR, VENDOR DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND MAKES NO WARRANTY OF ACCURACY, COMPLETENESS, TIMELINESS, FUNCTIONALITY,RELIABILITY OR SPEED OF DELIVERY OF THE Financial Modeling Prep DATA. THE USER AGREES THAT THE Financial Modeling Prep DATA IS NOT INVESTMENT ADVICE AND ANY OPINIONS OR ASSERTION CONTAINED IN THE Financial Modeling Prep DATA DO NOT REPRESENT THE OPINIONS OR BELIEFS OF VENDOR OR ITS AFFILIATES OR ANY OF THEIR RESPECTIVE EMPLOYEES. Financial Modeling Prep does not warrant that the Financial Modeling Prep Data will be uninterrupted, error free or completely secure. The User expressly assumes the entire risk for the results and performance of the Financial Modeling Prep Data. However, nothing in this Agreement, shall limit Financial Modeling Prep’s liability for (i) death or personal injury caused by its negligence;(ii) fraud or fraudulent misrepresentation; or (iii) or any other liability which cannot be limited or excluded by applicable law.
  15. None of Financial Modeling Prep or its affiliates will have any liability for any lost profits or direct, indirect,special or consequential, damages, even if advised in advance of the possibility of these types of damages.

7. MODULES AND FEATURES

The app, at present, has five modules: Know Your Worth, Capital Markets & Expectations Valuation, PErception, Value Augmentation, and Quick Tools.

The Know Your Worth module allows a user to arrive at the valuation of any type of company, anywhere in the world, based on parameters on formulae set by CoValue. For more information on the formulae, kindly refer to FAQ’s and Tool Tips on the Application.

Capital Markets & Expectations Valuation module allows the user to iterate and determine what value driver assumptions, built in to the stock price.

PE Decrypt module allows the user to iterate and determine what value drivers assumptions are built into the stock price.

Value Augmentation module allows the user to compute and evaluate share buyback programs; economic breakeven margin; value strategies and conduct value impact analysis on shareholder values.

Quick tool Module contains features that enable swift computation of CAGR, CAPM, Cost of Capital, Residual Value, Future Value, Quick Valuation, Economic Breakeven Margin and Compounding.

In addition, the App also enables access to CoValue Markets which is a marketplace that allows third parties to write stories / analysis of companies, derive their impact on valuations and share them with others to view, analyse and edit. Users may use the CoValue Markets feature to read these stories about companies and import these third-party valuations into the App to view or edit the Valuations.


COVALUE MARKETS

Covalue Markets is a part of CovalueApp that can be accessed through desktop and mobile versions of the App. CoValue Markets is a marketplace that allows third parties to write stories of companies, derive their impact on valuations and share them with others to view, analyse and edit.

Users may use the CoValue Markets feature to read these stories about companies and import these third-party valuations into the App to view or edit the Valuations.

The User may access CoValue Markets through the App as a Basic User or as a Premium User.These are defined as below:


Basic User

In the event you choose to access CoValue Markets as a Basic User, there shall be no subscription fee payable, and your usage of CoValueMarkets shall be on a pay-as-you-go basis. As a Basic User, should you desire to import/purchase a valuation available on CoValue Markets, you may do so by directly making payment for the plan through the payment gateway or by purchasing credits which may be used to offset the payment due or part thereof.

As of now, CoValue offers 2 types of plans: Standard Plans and Premium Plans.

The amounts payable by the User will vary depending on the type of plan chosen. The pricing may further differ based on the country / news / or any parameterdetermined by CoValue. CoValue hereby retains the right to change the prices at anytime, without prior intimation to the User.

Kindly check CoValue App for the latest pricing.


Premium User

In the event you choose to access CoValue Markets as a Premium User, the subscription fee payable would depend on the type and duration of subscription. At present, CoValue offers Gold and Platinum user plans, offered as monthly and annual subscription plans.

In the event you choose a Gold user plan, you shall be required to pay the sum due for monthly subscription / annual subscription plans. Further, CoValue, in its sole discretion, offers Gold Users on a monthly subscription plan 200 free credits, and Gold Users on an annual subscription plan 200 free credits per month, renewed at the end of each month throughout the year.

CoValue reserves the rights to alter the number of free credits or rescind the offer of free credits altogether, at its sole discretion.

In the event you choose a Platinum user plan, you shall be required to pay the sum due for monthly / annual plans. Further, CoValue, in its sole discretion, offers Platinum Users on a monthly subscription plan 250 free credits, and Gold Users on an annual subscription plan 250 free credits per month, renewed at the end of each month throughout the year.

CoValue reserves the rights to alter the number of free credits or rescind the offer of free credits altogether, at its sole discretion.

Note on Credits: Only FREE Credits shall expire with the end of duration of the subscription period for both Gold and Platinum users. In the event a User exhausts the credits available prior to the end of the subscription period, the User may purchase / top up their credits. Credits purchased will not expire and will and only be allowed to be redeemed in the CoValue App. How Credits operate and the manner in which a User may purchase and use credits is set forth in the section below.


PRICING MECHANICS

CoValue Services may be availed through a pricing mechanism that accepts direct payment as well as payment in the form of credits, which are purchased by users through direct paymentsfor such consideration as determined solely by CoValue, or are made available to Users by CoValue, for free, as a part of theSubscription Plan, or otherwise.

It is hereby specified that a Credit is a limited, non-transferable, perpetual license that allows the User to offset the fees payable for availing CoValue Services. A Credit has no inherent monetary value, cannot be exchanged for money or any items of monetary value. Payments made for purchase of Credits will not be refunded to Users.

Kindly check CoValue App for the latest pricing.


PAYMENT

When you use the CoValue Services, purchase Plans, pay for Subscriptions, pay for Gold/Platinum user type, or purchase credits, you will be required to pay for them through modes of payment accepted by CoValue. To process such financial transactions, we may use third-party electronic payment processors or service providers. You agree to be certain by the terms and conditions of use of each appropriatethird-party electronic payment processors or service provider.

Transactions on third-party electronic payment processors or service providers platforms are secure and protected by such third-party. Any information entered by the User is encrypted to protect the User against unintentional disclosure. The User’s credit and debit card information is not received, stored by or retained by CoValue in any manner. This information is supplied by the User directly to the relevant payment gateway which is authorized to handle the information provided and is compliant with the regulations and requirements of various banks and financial institutions that it is associated with.

The User is hereby expressly made aware that his/her financial statements will reflect that a payment has been made in favour of CoValue. The User is further aware that in case of third-party statements including bank and credit card statements, the merchant name may appear in an abbreviated format, and CoValue has no control over the same.

Users are requested to provide valid, accurate and complete information about their identity, payment account details (Card information, Bank account information, and wallet credentials), Biller information and the payment information (payment amount and transaction description). CoValue reserves the right to terminate user account or refuse your current and future use of CoValue Services in case any information is found suspicious.

CoValue assumes no responsibility and shall incur no liability if it is unable to effect any payment instruction owing to any one or more of the following circumstances;

In the eventany sum gets deducted from the User controlled account/wallet and the payment is not reflected in the User’s account on the App, the User is requested to contact us at contact@covalue.io Your payment will be reflected within 48-72 hours if the transaction is successful at the third-party electronic payment processors or service providers. If your payment status is not updated in the given time frame, please contact your bank/wallet/financial institution for further enquiries. CoValue does not take any responsibility for such cases and any payment that is redirected to User controlled accounts will reflect in the relevant account as per the relevant bank/wallet/financial institution’s policies.


REFUND AND CANCELLATION

It is hereby specified that we shall be under no obligation to refund, in whole, or in part, any subscription amount paid by the User to avail Services through CoValue. It is specified that we retain all rights to alter the subscription amounts payable by the User, at all points in time. It is further specified that in the event of a change in subscription amounts payable by a User in the course of the subscription duration, we reserve all rights to direct the User to pay the amended subscription amount, failing which we shall have the right to suspend the subscription of the user till such time as complete payment has been made. It is clarified that this right shall be exercisable solely at the discretion of CoValue.


8. DISCLAIMERS
  1. CoValue is a tool and not a business broker or financial adviser and should not be relied upon as such.

  2. CoValue does not represent or endorse the accuracy or reliability of any advice, opinion, statement or any other information displayed or distributed through the service. User acknowledges that any reliance upon any such opinion, advice, statement or other information shall be at user’s sole risk.

  3. All Financial Modeling Prep Data, including the data that is being processed by CoValue for the purposes of valuation and other services is being made available by CoValue on an AS-IS basis, without representations or warranties of any kind.

  4. CoValue may at any time, without notice or liability, change or eliminate any content or feature of the service, or resist the use of any portion of the Service.

  5. CoValue reserves the right to offer any vendor content, including Financial Modeling Prep data, as standalone data, or mix such vendor content along with data fees created/curated by CoValue.

  6. CoValue does not have access to or store sensitive data relating to the means of payment used by the user. Such information is processed by and through the corresponding financial institution responsible for processing the payment for any subscription.

  7. CoValue does not perform an audit and undertakes no duty of due diligence or independent verification of any information made available through the Application.

  8. CoValue assumes no liability for the repercussions of using the application, including without limitation, loss or damage of data, failure to boot, or other errors in the working of the device on to which the application has been downloaded.

  9. Decisions based on information obtained from CoValue are your sole responsibility, and prior to making any decision on the basis of such information, you should consider (with or without the assistance of financial and / or securities advisors) whether the information is appropriate in light of your particular investment needs, objectives, and financial circumstances.

  10. You may use CoValueto share plans created by you with selected third parties. By using CoValue, the selected recipient understands and accepts that CoValue does not endorse any User or their plan, and is not liable in any manner for the information shared with such recipient.

9. USER’S OBLIGATIONS / REPRESENTATIONS AND WARRANTIES

The User undertakes to fulfil the following obligations, the failure to satisfy any of which gives us the right to permanently suspend your account and/or claim damages for any losses that accrue to us or additional costs that may be imposed on us.

  1. You hereby certify that you are at least 18 years of age.

  2. You agree to comply with all local laws and regulations governing the downloading, installation and/or use of the Application, including, without limitation, any usage rules set forth in this Agreement.

  3. You undertake not to:
    1. Cut, copy, distribute, modify, recreate, reverse engineer, distribute, post, publish or create derivative works from, transfer, or sell any information or software obtained from the Application via any media or forum, offline or online, save through the Application itself. For the removal of doubt, it is clarified that unlimited or wholesale reproduction, copying of the content for commercial or non-commercial purposes and unwarranted modification of data and information within the content of the Application is not permitted. It is clarified that this clause shall not be applicable to sharing of content as authorised and permitted through the Application.

    2. Access (or attempt to access) the Application and/or the materials or posts on any network by any means other than through the interface that is provided by the Application. The use of deep-link, robot, spider or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Application or Content, or in any way reproduce or circumvent the navigational structure or presentation of the Application, materials or any Content, to obtain or attempt to obtain any materials, documents or information through any means not specifically made available through the Application is prohibited. You acknowledge and agree that by accessing or using the Application, You may be exposed to content from other Users or Third Parties that you may consider offensive, indecent or otherwise objectionable. We disclaim all liabilities arising in relation to such offensive content on the Application.

    3. Use the Application in any manner that may impair, overburden, damage, disable or otherwise compromise CoValue’s services.

    4. Use the modules, features, or information made available through CoValue to further any unlawful purposes or to conduct any unlawful activity, including, but not limited to, fraud, embezzlement, money laundering or identity theft.

    5. Use the modules, features, or information made available through CoValue to abuse, harass, threaten, defame, disillusion, erode, abrogate, demean or otherwise violate the legal rights of others;

    6. Engage in any activity that interferes with or disrupts access to the Application or the Services (or the servers and networks which are connected to the Application);

    7. Probe, scan or test the vulnerability of the Application or any network connected to the Application, nor breach the security or authentication measures on the Application or any network connected to the Application. You may not reverse look-up, trace or seek to trace any information on any other user of the Application, or exploit the Application or Services or information made available or offered by or through the Application, in any way whether or not the purpose is to reveal any information, including but not limited to personal identification information, other than your own information, as required;

    8. Disrupt or interfere with the security of, or otherwise cause harm to, the Application, systems resources, servers or networks connected to or accessible through the Applications or any affiliated or linked applications;

    9. Violate any applicable laws or regulations for the time being in force within or outside India;

    10. Threaten the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or cause incitement to the commission of any cognizable offence or investigation of any offence or is insulting any other nation; or

    11. Violate any code of conduct or other guidelines, which may be applicable for or to any particular Service.

10. LIMITATION OF LIABILITY AND INDEMNIFICATION

YOU EXPRESSLY UNDERSTAND AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

This App, the modules, features and services and other materials are provided “AS-IS”, without warranty of any kind, express, implied, statutory or otherwise, including the implied warranties of title, non-infringement, merchantability or fitness for a particular purpose and that we assume no responsibility for your (in) ability to (or any costs or fees associated with your (in) ability to) obtain access to CoValue. CoValue does not perform an audit and undertakes no duty of due diligence or independent verification of any information we receive.

COVALUE MAKES NO WARRANTY THAT

  1. YOUR REQUIREMENTS WILL BE MET OR THAT MODULES / FEATURES MADE AVAILABLE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE;
  2. MATERIALS, INFORMATION, AND HELP DOCUMENTS WILL BE EFFECTIVE, ACCURATE OR RELIABLE;
  3. ANY ERRORS OR DEFECTS IN THE APP, MODULES OR OTHER FEATURES WILL BE CORRECTED; OR
  4. THE SERVICES AVAILED BY YOU SHALL BE AVAILABLE THROUGHOUT THE YEAR, OR AVAILABLE AT ALL TIMES.

THE USER UNDERSTANDS AND AGREES THAT ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE APP IS DONE ENTIRELY AT THEIR OWN DISCRETION AND RISK AND THEY WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE OR LOSS OF DATA THAT MAY RESULT FROM THE DOWNLOAD OF SUCH MATERIAL, DATA OR SERVICE. WE ACCEPT NO LIABILITY FOR ANY ERRORS OR OMISSIONS, WITH RESPECT TO ANY INFORMATION PROVIDED TO YOU WHETHER ON BEHALF OF OURSELF OR THIRD PARTIES, OR FOR THE RESULTS OBTAINED FROM THE USE OF THE INFORMATION PROVIDED THROUGH THIS APPLICATION.

IN NO EVENT SHALL COVALUE, ITS AFFILIATES OR THEIR THIRD PARTY PROVIDERS OR THE DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, OR AGENTS OF EACHBE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST PROFIT DAMAGES, LOST COST OR OPPORTUNITY COSTS ARISING FROM YOUR USE OF COVALUE OR ITS SERVICES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS COVALUE, INCLUDING BUT NOT LIMITED TO ITS AFFILIATE VENDORS, AGENTS, EMPLOYEES AND DIRECTORS FROM AND AGAINST ANY AND ALL LOSSES, LIABILITIES, CLAIMS, DAMAGES, DEMANDS, COSTS AND EXPENSES (INCLUDING LEGAL FEES AND DISBURSEMENTS IN CONNECTION THEREWITH AND INTEREST CHARGEABLE THEREON) ASSERTED AGAINST OR INCURRED BY US THAT ARISE OUT OF, RESULT FROM, OR MAY BE PAYABLE BY VIRTUE OF, ANY BREACH OR NON-PERFORMANCE OF ANY REPRESENTATION, WARRANTY, COVENANT OR AGREEMENT MADE OR OBLIGATION TO BE PERFORMED BY YOU PURSUANT TO THESE TERMS OF USE, OR ANY OTHER ACTION INCURRED BY YOU AS A RESULT OF USING THE APP OR THE SERVICES OFFERED THEREIN.

IF, DESPITE THE LIMITATION ABOVE, WE ARE FOUND LIABLE FOR ANY LOSS OR DAMAGE WHICH ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH ANY OF THE OCCURRENCES DESCRIBED IN THE LIMITATION ABOVE, THEN OUR LIABILITY WILL IN NO EVENT EXCEED, IN TOTAL, THE SUM OF INR ONE.


11. UPDATES

From time to time, the Application may automatically check the version of the Application installed on the Device and, if applicable, provide updates for the Application (hereinafter referred to as “Updates”). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the Application. By installing the Application, You authorize the automatic download and installation of Updates and agree to download and install Updates manually, if necessary. Your use of the Application and Updates shall be governed by this Agreement (as amended by any terms and conditions that may be provided with Updates).


12. ACTIONS UNDERTAKEN ON YOUR DEVICE:

Upon download and installation of the Application, You grant the following permissions to the Applications to perform the following actions on the device you have installed the Application in.

  1. To read from, write on, modify and delete data pertaining to the Application on the device’s hard disk and/or external storage;

  2. To access information about networks, access networks including Wi-Fi networks, receive and send data through the network;

  3. To determine your approximate location from sources including but not limited to mobile towers and connected Wi-Fi networks;

  4. To determine your exact location from sources such as, but not limited to GPS.

  5. To access the model number, IMEI number and details about the operating system of the device the Application has been installed on, as well as the phone number of the device.

  6. To detect when the phone had been switched off and switched on for the purpose of sending notification/ push notifications.

  7. To access and change the display and sound settings of the device the Application has been installed in.

  8. To access third party applications such as those provided by Google and retrieve the relevant data and content therein.

13. COPYRIGHT
  1. All information, content, services and software displayed on, transmitted through, or used in connection with the Application, including for example text, photographs, images, illustrations, audio clips, video, html, source and object code, trademarks, logos, and the like (collectively and hereinafter referred to as the “App Content”), as well as its selection and arrangement, is owned by us or other Third Parties. You may use the App Content only through the Application, and solely for your personal, non-commercial use.

  2. You may not republish any portion of the App Content on any Internet, intranet or extranet site or incorporate the App Content in any database, compilation, archive or cache. You may not distribute any App Content to others, whether or not for payment or other consideration, and you may not modify, copy, frame, cache, reproduce, sell, publish, transmit, display or otherwise use any portion of the App Content. You may not scrape or otherwise copy the App Content without permission. You agree not to decompile, reverse engineer or disassemble any software or other products or processes accessible through the Application; not to insert any code or product or manipulate the content of the Application in any way that affects the user's experience, and not to use any data mining, data gathering or extraction method.

14. WEBSITE TERMS

By downloading and / or using this Application, you hereby agree to be bound by the Terms of Use / Service, Privacy Policy, and other Policies as set forth on the website. It is hereby further specified that all the Terms and Policies on the Website shall be coterminous to these terms.


15. JURISDICTION

This agreement is governed and construed in accordance with the Laws of Union of India. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Mumbai, Maharashtra, India, in all disputes arising out of or relating to the use of CoValueApp/services. Use of CoValueApp/services is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree to indemnify and hold CoValue, its subsidiaries, affiliates, officers, directors, employees, and representatives harmless from any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on CoValueApp/services.