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CashFlo Terms & Conditions of use

This document is an electronic record in terms of Information Technology Act, 2000 and rules there
under as applicable. This electronic record is generated by a computer/electronic system and does not require any physical or digital signatures.


1.1. Valor Innovations Private Limited, a company incorporated under the Companies Act, 2013
and having its registered address at Unit no. 1219, C Wing, G Block, One BKC, Plot C-66, BKC, Bandra (East), Mumbai – 400051 (“CashFlo” / “Us” / “We” / “Our”, which expression shall, unless it be repugnant to the context or meaning thereof, be deemed to mean and include its successors and permitted assigns), is engaged in the business of developing and providing processes and technology in for buyers, vendors, sellers and financiers to enable them to effectively collaborate for discounting of their invoices, trade payables and receivables including through a digital platform developed by Valor (hereinafter referred to as the “Business”).

1.2. CashFlo provides the Content (as defined below) and services available on the Website (as defined below) to you subject to the following terms and conditions, Our Privacy Policy and other terms and conditions and policies which you may find throughout Our Website in connection with certain functionality, features or promotions as well as customer service, all
of which are deemed a part of and included within these terms and conditions (collectively, “Terms and Conditions”).

1.3. For the purposes of these Terms and Conditions, “Website” shall mean and include, mobile application(s) of CashFlo, any successor website/applications, any website of related entity or any other channel facilitated and permitted by CashFlo including but not limited to any digital medium including phone, displays, emails, social media interfaces and messaging interfaces.

1.4. By accessing or using Website, you are acknowledging that you have read, understand, and
agree, without limitation or qualification, to be bound by these Terms and Conditions. This is a
legally binding agreement between you, (the user) and CashFlo and all its related entities, establishing the terms and conditions under which this Website may be used/accessed. IF YOU


2.1. You hereby declare that you are legally capable to enter into an agreement and that all the particulars and information provided by you through this Website are true, accurate and complete.

2.2. By accepting these Terms and Conditions, you hereby authorize CashFlo to collect your basic identification and contact information including but not limited to your name, contact number, email id, which you provide voluntarily to enable Us to identify you as a user of the Website and allow Us to contact you with more information regarding the Business and services provided by CashFlo.


3.1. All information and content available on the Website and its look and feel, including but not
limited to trademarks, logos, service marks, text, graphics, logos, button icons, images, audio
clips, material, information, data, money market movements, news items, links etc. data compilations and software, and the compilation and organization thereof contained on this Website (“Content”) is provided for general information only and should not be used as a
basis for making business/commercial decisions.

3.2. Content contained on this Website or other terms are provided on an “as is”, “as available” basis and is the sole property of CashFlo, Our affiliates, partners or licensors, and is protected by applicable laws, including but not limited to laws governing copyrights and trademarks.
CashFlo expressly disclaims to the maximum limit permissible by law, all warranties, express
or implied, including, but not limiting to implied warranties of merchantability, fitness for a particular purpose and non-infringement. You may not distribute Content to others without the express written consent of CashFlo. You may not copy, download, publish, distribute or reproduce any of Content contained on this Website in any form without prior permission of

3.3. Content on this Website should not be regarded as an offer, solicitation, invitation, advice or
recommendation to use of the products or services described on this Website.

3.4. Products and services are available only at the discretion of CashFlo and its related entities, subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice.

3.5. You acknowledge that certain functions of this Website would require an active internet connection which can be Wi-Fi or the Local Area Network (LAN) connection. CashFlo and its related entities do not assume any responsibility/liability if this Website is not fully functional due to absence / insufficiency of the required internet connection. CashFlo and/or its related entities will not be concerned with any dispute between the user and the Internet Service Provider and/or any third party providing the internet connection or any other services responsible to run this Website.

3.6. You hereby understand that your acceptance to these Terms and Conditions will in no way
confirm the grant of any specific product and/or services by CashFlo to you. In the event of
any conflict between the terms and conditions of specific products and services and these
Terms and Conditions, the conditions specific to such products and services shall prevail.


4.1. This Website may contain advice/ opinions and statements of various professionals/ experts/
analysts, etc. Reliance on these statements shall be at your own risk. It is the responsibility of the user of this Website to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided on this Website.

4.2. All information in this Website is being provided under the condition and understanding that the same is not being  interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters.

4.3. CashFlo may at any time (without being obliged to do so) update, edit, alter and/or remove any Content in whole or in part that may be available on this Website and shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability.

4.4. Nothing contained herein is to be construed as a recommendation to use any product or process, and CashFlo and its related entities makes no representation or warranty, express or implied that, the use thereof will not infringe any intellectual property rights, or otherwise.
The user is expected to keep abreast of any changes made in this Website and the information available on it on a regular basis and CashFlo and its related entities undertake no responsibility about advising the user/clients about any such changes.

4.5. Though CashFlo and its related entities will endeavour to ensure that information contained
on this Website is obtained from sources which, it feels, are reliable, CashFlo and its related entities do not warrant such information’s completeness or accuracy.


5.1. CashFlo does not guarantee, warrant or endorse any product or service sold by any third
party, nor shall have any liability or responsibility for the quality or performance of any product or service sold to you by third party using our Website and any question or dispute you may have regarding any such product or service should be addressed directly to the concerned third party from which product or service availed.

5.2. You hereby agree to release CashFlo and its related entities from all claims, demands and
damages, whether actual or consequential, of every kind, whether known or unknown, disclosed or undisclosed, arising out of or relating to any and all listings, transactions, or any
other use of Website.


6.1. As long as you respect these Terms and Conditions for browsing/ using this Website, CashFlo
grant you a non-exclusive, non-transferable and revocable license to use this Website. All rights relating to this Website as well as its functionalities are the exclusive property of CashFlo and/or its related entities (particularly including but not limited to copyrights, trademarks, source code, patents as well as any other intellectual property right). All the information provided on or via this Website (including all texts, graphics, design or logos) shall be the intellectual property of CashFlo and/or its related entities.

6.2. You agree not to copy, forward, download or share content without obtaining the necessary rights or permissions to do so. You also agree not to abuse your access and license to use this Website.


7.1. In addition to other prohibitions as set forth in these Terms and Conditions, you understand
and agree that you are prohibited from using Website or its Content:
(i) for any unlawful purpose;
(ii) to solicit others to perform or participate in any unlawful acts;
(iii) to violate any international, federal, provincial or state regulations, rules, laws, or applicable ordinances;
(iv) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(v) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
(vi) to submit false or misleading information;
(vii) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of Website;
(viii) to collect or track the personal information of others;
(ix) to spam, phish, pharm, pretext, spider, crawl, or scrape;
(x) for any obscene or immoral purpose; or
(xi) to interfere with or circumvent the security features of Website. We reserve the right to terminate Your access to Website for violating any of the prohibited uses.


8.1. You agree to protect and fully compensate CashFlo, its related entities, licensors, suppliers and facilities providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorney’s fees) caused by or arising from your use of the facilities, your violation of these Terms and Conditions and/or Privacy Policy or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.


9.1. CashFlo and its related entities, their directors and employees accept no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of this website or any linked site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, ubt not limited to, any defect, error, omission, interruption, imperfection, fault, mistake, or inaccuracy with this website, its contents or associated services, or due to any inaccessibilityof this website or any part thereof or any contents or associated services even if the entities are advised of the possibility of such damages, losses or expenses.


10.1. This Website may contain links to other websites of affiliate companies or related entities of CashFlo. This Website also contains links to external websites, having further linked websites, controlled or offered by third parties (non-affiliates of CashFlo), in order to help you find relevant websites, services and/or products which may be of interest to you, quickly and easily. The contents displayed or products / services offered on such linked websites or any quality of the products/ services are not endorsed, verified or monitored by CashFlo or its related entities. CashFlo and its related entities are also not responsible for the owners or operators of such external links or websites or for any products or services they supply or for the contents of their websites and do not give or enter into any conditions, warranties, express or implied; or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external websites to which this website includes a link infringes the intellectual property rights of any third party).


11.1. This website and the terms and conditions shall be governed by and construed in accordance with all applicable laws of India, unless stated otherwise. All disputes arising out of or in connection with these terms and conditions or use of this website shall be submitted to the exclusive jurisdiction of the courts of Mumbai.


12.1. CashFlo reserves the right to change the information provided on or via this Website, including these Terms and Conditions or to charge for its services, at any time and without notice. It is recommended that you review the information provided on or via this Website, including these Terms and Conditions, periodically for changes. CashFlo or any of its related entities/ affiliates shall not be held responsible for all or any actions that may subsequently result in any loss, damage and or liability on account of such change in the information on this


13.1. CashFlo or its related entities can at any time, without the need to give a reason, notice or
compensation, suspend your ability to use this Website. The suspension or cancellation of the
licence to use this Website will mean that you will no longer have any access to your data,
without you having any recourse against CashFlo or any of its related entities or its affiliates.
Further, CashFlo also reserves the right to suspend the user’s access to any user account
and/or this Website, in case CashFlo in its sole discretion is of the view that user is in breach of
these Terms and Conditions and any applicable law or may foresee any breach by user of
these Terms and Conditions and any applicable law.


14.1. You confirm that any information provided by you or any details entered into the Website are
correct and you undertake to pass on any modifications to CashFlo or its related entities. You
shall indemnify and hold CashFlo and/or its related entities/affiliates harmless against any
loss, damage or costs suffered / incurred by and or its related entities/ affiliates as a result
erroneous information supplied by you or your authorized users.

14.2. Specifically, you are responsible for the confidentiality of any codes and passwords allowing
you to use this Website, and access to your information as well as this use and this access by
any third party, whether or not they are authorised by you.


15.1. Unless otherwise specified herein, these Terms and Conditions along with the Privacy Policy
constitute the entire agreement between the user and CashFlo with respect to Website and
supersede all prior or contemporaneous communications and proposals, whether electronic,
oral or written, between the user and CashFlo. A printed version of these Terms and
Conditions and of any notice given in electronic form shall be admissible in judicial or
administrative proceedings based upon or relating to this agreement to the same extent and
subject to the same conditions as other business documents and records originally generated
and maintained in printed form.


16.1. CashFlo or its related entities shall not be deemed to have waived any of its/their rights or
remedies hereunder, unless such waiver is in writing. No delay or omission on the part of
CashFlo, in exercising any rights or remedies shall operate as a waiver of such rights or
remedies or any other rights or remedies. A waiver on any one occasion shall not be construed
as a bar or waiver of any rights or remedies on future occasions.