Terms of Service
Last updated 09 July, 2019
These terms of service ("Terms of Service") constitute a legal agreement between you and Kaarvan Services Private Limited, (“Kaarva”) a company incorporated in India as per Companies Act, 2013 having their registered address at 45, 18th Main Rd, Sector 3, HSR Layout, Bangalore - 560102. As used in these Terms of Service, the words "You" and "Your" refer to you, the user of Kaarva’s Platform, as the party agreeing to these Terms of Service. The words "we", "us", "our" and any other variation thereof refer to Kaarva. Any reference to "Kaarva" in this document includes our directors, officers, employees, contractors, owners, agents, licensors, or licensees. As used in these Terms of Service, the term "Platform" includes all Platforms and all devices or Applications that we operate that link to these Terms of Service, pages within each such Platform, any equivalent, mirror, replacement, substitute or backup site, device, or pages that are associated with each such Platform. The use of the word "including" in these Terms of Service to refer to specific examples will be construed to mean "including, without limitation" or "including but not limited to" and will not be construed to mean that the examples given are an exclusive list of the topics covered.
1.1. The Platform provides access to an online platform bringing together users, financial institutions, data partners and other partners willing to abide by the Terms & Conditions herein. Kaarva is merely a facilitator providing the Platform for any person in need of immediate financial assistance.
1.2. Kaarva is merely facilitates a transaction between two such persons (i.e. Users). Kaarva is not an organization registered with the Reserve Bank of India and does not hold any license to engage in any activities relating to lending or borrowing. Kaarva is not a Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India. Kaarva is also not a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.
1.3. Kaarva is a service provider facilitating the access between financial institutes and non-banking finance companies willing to lend and person in need of borrowing. The final decision as regards lending and borrowing is also subject to the choice of the respective users in their respective capacities as lenders / borrowers / users of other financial products as set out in the Platform. In addition to the foregoing, Kaarva also provides certain other services with respect to data analytics subject to these Terms & Conditions.
1.4. Kaarva provides various services, including but not limited to Facilitating the loan between the Users on its Platform;
2. Acceptance of Terms
2.2. Kaarva may modify this Terms of Service from time to time. Any and all changes to these Terms of Service will be posted on the Platform. The Terms of Service will always indicate the date it was last revised. In addition, we will send you an email informing you of any changes in the Terms of Service prior to posting those changes. When you use the Service after those changes are posted, you are deemed to have accepted the new Terms of Service and agree to be bound by any changes to the Terms of Service.
2.3. You understand that the Platform provides access between multiple users in the form of consumers, financial institutions, data partners and other partners lenders, borrowers, service providers etc. with a view to facilitate lending and borrowing activities between the Users.
3. Privacy and your Personal Information
3.2. You agree and understand that you are responsible for maintaining the confidentiality of the combination of your Login ID and password, which together allow you to access the Service. That Login ID and password, together with any account information, mobile number or other contact information you provide form your "Your Personal Information."
3.3. If you believe that your Your Personal Information or a device that you use to access any Platform has been lost or stolen, that someone is using your account without your permission, or that an unauthorized transaction has occurred, you must notify us IMMEDIATELY at email@example.com.
4. Accuracy of and Changes to your Information
4.1. You agree to provide accurate profile information, including, as applicable, your name, physical address, email address, mobile number and Account Information (“Profile Information”). You further agree to promptly update all your Profile Information whenever the information provided to us is no longer accurate. You can update your information by clicking on the settings link after you login. If you need help in changing your information, please email us at firstname.lastname@example.org. We are not responsible for any payment processing errors or fees or other Services-related issues arising from your failure to keep your Profile Information current.
5. Disclosure and Consent to Electronic Communications
5.1. You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information ("Communications") may be provided by Kaarva to you by electronic means (i.e., via email/whatsapp/text messages, through the Service by displaying links to notices generally on the Platform), unless and until you withdraw your consent as described below. The categories of Communications that may be provided by electronic means include:
• these Terms of Service and any amendments, modifications, or supplements;
• records of any payment and other transactions you handle through the Platforms or Services, including payment histories and transaction confirmations;
• disclosures or notices provided in connection with the Services, including any required by applicable law (including initial disclosures, periodic statements, periodic and annual error resolution notices, initial and annual privacy notices, opt-out notices, and change-in-terms notices);
• any customer service communications, including communications with respect to claims of error or unauthorized use of the Platforms or Services; and
• any other communication related to the Platforms or Services.
5.2. Although we reserve the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." You should print a paper copy of these Terms of Service and any Communication that is important to you and retain the copy for your records. If you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Platforms or Services.
5.3. If you have opened an account with us and you wish to withdraw your consent to have Communications provided electronically, you must close your account by contacting email@example.com and stop using the Platforms and Services. There are no fees to close your account with us. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.
5.4. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
6.1. Kaarva offers various options through the Platforms (the "Services"), that can enable you to assess the value of your accrued pay and to access such earned wages prior to payday by obtaining an advance from Kaarva (each, an “Advance”).
6.2. We may limit the total number Advances that you may receive at any given time or over a period of time. We may refuse to extend an Advance to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. If you generally fail to maintain a balance in your bank account that is sufficient to cover your repayment of an Advance, we may refuse to allow you to obtain an Advance for as long as we determine to be necessary or appropriate.
7.1. There are no fees to use the Services or to obtain an Advance. You may make voluntary additional payments in appreciation of the services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. These voluntary additional payments help fund Kaarva and provide these services even more seamlessly to its users.
8. Your Use of the Services
8.1. Your right to access and use the Platform and use the Services is personal to you and is not transferable by you to any other person or entity, and you may only access and use the Platforms and Services for lawful purposes.
8.2. When you request an Advance, you warrant that the earned wages being advanced are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else.
8.3. We will recoup payment for Advances directly from your bank account upon deposit of your next paycheck or have them deducted by your employer from your next paycheck. By requesting an Advance, you authorize us to initiate debit and credit entries to your bank account through e-nach facility or any other facility from time to time, for all payments due to us. Our failure to charge your bank account for repayment of an Advance within a set amount of time does not constitute a waiver of our right to charge your account for such funds. You represent and warrant that you have the right to authorize us to charge your account for payments due to us under these Terms. You will indemnify and hold Kaarva harmless from any claims by any other owner of the account.
8.4. If we are unable to access funds from your bank account to complete a payment that is owed to Kaarva, we will have no legal or contractual claim or remedy against you based on your failure to repay, however, you will be prevented from using the Services until you repay any outstanding balance owed to Kaarva. You further agree that:
• you will reimburse Kaarva for any fees imposed on us as a result of the failed transaction; and
•you will reimburse Kaarva for any fees we incur in attempting to collect the amount of the failed transaction from you.
8.5. Accurate records enable us to provide the Platforms and Services to you. You must provide true, accurate, current, and complete information about your accounts maintained at third-party platforms (“Account Information”), and you may not misrepresent any Account Information. In order for the Services to function effectively, you must also keep your Account Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. You represent that you are a legal owner of, and that you are authorized to provide us with, all Account Information and other information necessary to facilitate your use of the Services.
8.6. In order to allow you to use certain Services, we may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide PAN, aadhar number, requiring you to take steps to confirm ownership of your email address or financial instruments or verifying information you provide against third-party databases or through other sources. If you do not provide this information or we cannot verify your identity, we can refuse to allow you to use the Services.
8.7. Your access and use of the Platforms or Services may be interrupted from time to time for any of several reasons, including the malfunction of equipment, periodic updating, maintenance or repair of the Service, or other actions that Kaarva, in its sole discretion, may elect to take. In no event will Kaarva be liable to any party for any loss, cost, or damage that results from any period of downtime of the Platforms or Services.
9. Modification to Platform or Services
9.1. Kaarva reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Platforms or Services with or without notice. We reserve the right to change the Services, including applicable fees, in our sole discretion and from time to time. In such event, if you are a member to the Service, we will provide notice to you. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). You agree that Kaarva shall not be liable to you or to any third-party for any modification, suspensions, or discontinuance of the Platforms or Services.
10. Rights You Grant to Us
10.1. By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to Kaarva through the Service, you are licensing that content to Kaarva solely for the purpose of providing the Service. Kaarva may use and store the content for the purpose of providing the Service to you. By submitting this content to Kaarva, you represent that you are entitled to submit it to Kaarva for use for this purpose, without any obligation by Kaarva to pay any fees or other limitations.
10.2. By using the Service, you expressly authorize Kaarva to access your Account Information maintained by identified third parties, including but not limited to your bank, on your behalf as your agent. Kaarva will submit information including usernames and passwords that you provide to log you into the Platform. You hereby authorize and permit Kaarva to use and store information submitted by you to the Service (such as account passwords and usernames) to accomplish the foregoing and to configure the Service so that it is compatible with the third-party platforms for which you submit your information. YOU ACKNOWLEDGE AND AGREE THAT WHEN KAARVA IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD-PARTY PLATFORMS, KAARVA IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD-PARTY.
11. No Unlawful or Prohibited Use
11.1. As a condition of your use of the Platforms and Services, you represent and warrant to Kaarva that you will not use the Platforms or Services for any purpose that is unlawful or prohibited by these Terms of Service.
11.2. You agree that you will not:
• request an Advance for any earned wages that you do not have the complete right, title and interest in or for which you have already received payment;
• use the Platforms or Services in any manner that could damage, disable, overburden, or impair the Platforms or Services;
• obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Platforms or Services;
• access the Platforms by any means other than through the interface that is provided by Kaarva for use in accessing the Platforms;
• use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Platform or Services; or
• attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Platform or the Service.
• submit false or misleading information
• use the Platform for any unlawful purpose and not solicit others to perform or participate in any unlawful acts
• to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet
11.3. If Kaarva, in its sole discretion, believes that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect Kaarva, other users, and other third parties from fees, fines, penalties, and any other liability. The actions we may take include the following:
• we may close, suspend, or limit your access to your account or ability to use the Platforms or Services;
• we may update inaccurate information you provided us;
• we may refuse to allow you to use the Platforms or Services in the future;
• we may take legal action against you; however, with respect to any Advances, Kaarva will not engage in collection efforts to collect payments due to us, place the amount advanced as a debt with, or sell it to, any third-party, or report your repayment history to a credit bureau or other consumer reporting agency; and
• we may hold you liable to Kaarva for the amount of Kaarva's damages caused by your violation of these Terms of Service.
11.4. Kaarva, in its sole discretion, reserves the right to terminate these Terms of Service, access to its Platforms, or access to the Services for any reason and at any time with or without notice to you.
12. Monitoring of the Platform and Your Account
12.1. Kaarva has the right and liberty to monitor the content of the Platform at all times which shall include information provided in Your account. The monitoring of the Platform / Platform is important to determine the veracity of the information provided by You and that every User remains in consonance with the Terms & Conditions provided herein. Subject to the Terms & Conditions mentioned herein, Kaarva shall also have the liberty to remove any objectionable content which is in contravention of the Terms & Conditions herein or share such information with any governmental authority as per procedures laid down by the law for the time being in force in India.
13. Kaarva's Intellectual Property Rights
13.1. All content included or available in connection with the Platforms, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Kaarva or the licensors or suppliers of Kaarva and other intellectual property laws. Without limiting the foregoing, no Content on the Platforms may be copied, reproduced, duplicated, published, or distributed in any form or by any means whatsoever without the express prior written permission of Kaarva or the appropriate licensor or supplier.
13.2. Kaarva grants You a limited license to access and use the Platform for availing the Services, but not to download any material from it (other than page caching) or modify it, or any portion of it, except with express written consent of Kaarva and / or its affiliates, as may be applicable. Any unauthorized access to the Platform or any networks, servers or computer systems connected to Platform and any attempt to modify, adapt, translate or reverse engineer any part of the Platform or re-format or frame any portion of the pages of the Platform, save to the extent expressly permitted by these Terms & Conditions, is not permitted. This license is non-transferable and does not permit any resale or commercial use of this Platform or its contents; any downloading or copying of account information for the benefit of anyone other than Your use; or any use of data mining, robots, or similar data gathering and extraction tools. The Platform or any portion of the Platform (including but not limited to any copyrighted material, trademarks, or other proprietary information) may not be reproduced, duplicated, copied, sold, resold, visited, distributed or otherwise exploited for any commercial purpose without express written consent of Kaarva and / or its affiliates, as may be applicable. Any unauthorized use of the Platform shall terminate the permission or revoke the license granted by Kaarva.
13.3. Any feedback, questions, comments, suggestions, ideas, or the like that you send to Kaarva will be treated as being non-confidential and non-proprietary, and Kaarva will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information.
14. Disclaimer of Presentation and Warranties
14.1. THE PLATFORMS, SERVICES, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. KAARVA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE PLATFORMS OR SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE PLATFORMS AND SERVICES IS AT YOUR SOLE RISK.
14.2. KAARVA MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE PLATFORMS OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. KAARVA MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE PLATFORMS OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION.
14.3. THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. KAARVA IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. To the extent you use a Service for banking or other financial services, the Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.
14.4. Kaarva does not assume any responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store Account Information.
14.5. You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Kaarva makes commercially reasonable efforts to provide alerts in a timely manner with accurate information, but we cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Kaarva shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third-party in reliance on an alert.
14.6. As a user, You also acknowledge that Kaarva has maintained and carried out all possible checks and balances to assure the credibility of the users as listed on the Platform. The information provided on the Platform is based on the information that is provided to Kaarva. In case the user does not disclose any information to Kaarva, and the same is not found out at the first instance by Kaarva despite all measures adopted to certify the ratings or credibility of a user, Kaarva shall not be responsible for any claims or liabilities. Kaarva in any event is not responsible for any default in return of money that is borrowed from the lender and the lender shall have the exclusive right to initiate proceedings against the defaulter borrower. Kaarva shall to the best of its abilities aid the concerned user in terms of provision of information to initiate any legal proceedings. However, Kaarva shall not be responsible for any default on behalf of the user.
14.7. Kaarva does not make any representations or warranties on behalf of the financial service providers, banks or NBFCs partnered with Kaarva with respect to the loans provided by such partners. Kaarva shall be responsible only to the extent of providing the Services and all liabilities and obligations of the customers / user with respect to the loan provided by the partners shall be governed by the separate agreement executed between such partners and the customers and Kaarva shall have no liability in this regard whatsoever.
15. Limitation of Liability
15.1. KAARVA SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD-PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES YOU MAY INCUR IN CONNECTION WITH THE PLATFORMS, THE SERVICES, YOUR USE THEREOF, OR ANY OF THE USER SUBMISSIONS, INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED THROUGH OR RESIDING ON THE PLATFORMS, OR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING THEREFROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO OR USE OF THE SERVICE, EVEN IF KAARVA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, KAARVA'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO INR 1000 (RUPEES ONE THOUSAND RUPEES ONLY).
15.2. YOU DISCLAIM ANY AND ALL LIABILITY THAT [YOUR BANK] MAY HAVE ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE OR THESE TERMS OF SERVICE AND FURTHERMORE, TO THE EXTENT PERMITTED BY LAW YOU AGREE TO (1) WAIVE AND RELEASE ANY SUCH CLAIMS THAT YOU THEN OR THEREAFTER MAY HAVE AGAINST YOUR BANK ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE OR THESE TERMS OF SERVICE REGARDLESS OF THE NATURE OR BASIS OF SUCH CLAIM OR WHETHER SUCH CLAIM IS BASED ON CONTRACT, TORT, OR OTHER THEORY OR BASIS, AND (2) AGREE THAT YOU WILL NOT ASSERT, PROSECUTE, OR MAINTAIN ANY CLAIM AGAINST YOUR BANK ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE OR THESE TERMS OF SERVICE.
16. Indemnification of Kaarva
16.1. You agree to indemnify, save, and hold Kaarva, its affiliates, contractors, employees, officers, directors, agents and its third-party associates, licensors, and partners harmless from any and all claims, demands, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to Your use or misuse of the Services or the Platform, any violation by You of these Terms of Service, or any breach of the representations, warranties, and covenants made by You herein or Your infringement of any intellectual property or other right of any person or entity, or as a result of any threatening, libellous, obscene, harassing or offensive material posted/ transmitted by You on the Platform. Kaarva reserves the right, at Your expense, to assume the exclusive defence and control of any matter for which You are required to indemnify Kaarva, including rights to settle, and You agree to cooperate with Kaarvas’ defence and settlement of these claims. Kaarva will use reasonable efforts to notify You of any claim, action, or proceeding brought by a third-party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Terms of Service.
17.1. You acknowledge that Kaarva is a platform bringing Users together and that the Kaarva is not engaged in either grant of loan or borrowing any money or assistance for any financial products from any member using the Platform. You acknowledge that the use of the financial products is entirely based on the negotiations between the Users and third-party and neither Kaarva nor its affiliates, contractors, employees, officers, directors, agents and their third-party associates, licensors and partners have any interest with regard to any financial products assistance procured by or to a registered User. You acknowledge that Kaarva will not be responsible for any claim or damage in case of use of the financial products. Kaarva in no manner warrants or guarantees the performance of a third-party service provider that is providing services through the Platform. You acknowledge that Kaarva in no manner guarantees that the Users have provided all the information on this Platform which is true and correct including his address, phone numbers etc. You acknowledge that it is Your responsibility to verify the information about the person on the Platform and Kaarva is in no manner liable if the information provided on this Platform is untrue or incorrect. You acknowledge that Kaarva is in no manner responsible for any claim of money or damages in the event one person fails to either grant loan or a person fails to repay the loan or misrepresents his financial status or commits a fraud or cheating or any other such illegal act.
18. Governing Law & Forum for Disputes
18.1. These Terms of Service, and your relationship with Kaarva under these Terms of Service, shall be governed by the laws of India without regard to its conflict or choice of law’s provisions. Any dispute with Kaarva, or its officers, directors, employees, agents or affiliates, arising under or in relation to these Terms of Service shall be resolved exclusively through the court of Bangalore, India. You understand that, in return for agreement to this provision, Kaarva is able to offer the Service at the terms designated, and that your assent to this provision is an indispensable consideration to these Terms of Service.
18.2. You also acknowledge and understand that, with respect to any dispute with Kaarva, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service:
19.1. If any portion of these Terms of Service is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, these Terms of Service as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of these Terms of Service that is unlawful, void or unenforceable shall be stricken from these Terms of Service.
19.2. You agree that if Kaarva does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which Kaarva has the benefit of under any applicable law), this will not be taken to be a formal waiver of Kaarva's rights and that those rights or remedies will still be available to Kaarva.
19.3. All covenants, agreements, representations and warranties made in these Terms of Service shall survive your acceptance of these Terms of Service and the termination of these Terms of Service.
19.4.These Terms of Service represents the entire understanding and agreement between you and Kaarva regarding the subject matter of the same, and supersedes all other previous agreements.
You have complete authority to file a complaint/ share feedback if they are disappointed by Services rendered by Kaarva. You can give your complaint/ feedback in writing or by way of an email to the firstname.lastname@example.org
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45, 18th Main Rd, Sector 3, HSR Layout, Bengaluru, Karnataka 560102