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Terms and Conditions

Effective Date: 01-05-2025

By accessing or using this website/platform ("Platform"), operated by Aptibo Solutions Private Ltd, a company incorporated under the laws of India, with its registered office at Mizone, Building No 446,Mangattuparmaba,Kannur,kerala you agree to be bound by the following Terms and Conditions, Privacy Policy, and Disclaimer, as may be amended from time to time.

If you do not agree to these terms, you must immediately cease using the Platform.

1. Definitions

  • "Company" refers to Aptibo Solutions Private Ltd including its directors, employees, agents, affiliates, and licensors.
  • "User" or "You" refers to any person accessing or using the Platform, whether registered or unregistered.
  • "Services" means any features, functionality, tools, data, or content made available through the Platform.

2. Eligibility

Use of the Platform is permitted only to persons who are legally competent to enter into binding contracts under applicable laws. If you are under 18 years of age, you must access the Platform only under the supervision of a legal guardian.

3. License to Use

Subject to compliance with these terms, you are granted a limited, non-transferable, non-exclusive, revocable license to access and use the Platform strictly in accordance with its intended purpose.

4. User Obligations

You agree:

  • To provide accurate, current, and complete information as required.
  • Not to use the Platform for any unlawful, harmful, fraudulent, or abusive purposes.
  • Not to upload viruses, malware, or any other malicious code.
  • Not to reverse engineer, decompile, or attempt to derive the source code of any part of the Platform.
  • Not to use automated tools (bots, scrapers, etc.) without prior written authorisation.

5. Data Privacy and Security

The Company adopts reasonable measures to protect user data as per applicable data protection laws. However:

  • You are solely responsible for the accuracy and lawfulness of the data you upload or process through the Platform.
  • You must not share sensitive personal or confidential third-party data unless you have obtained lawful consent.
  • The Company shall not be held liable for data loss, theft, corruption, unauthorised access, or cyberattacks, including those resulting from third-party infrastructure providers.

6. Account Security

You are responsible for maintaining the confidentiality of your account credentials. Any activity under your account will be deemed authorised by you. Notify the Company immediately of any unauthorised access or breach.

7. Intellectual Property

All intellectual property rights in the Platform, including trademarks, copyrights, source code, databases, UI/UX elements, and content, are owned exclusively by the Company.

  • You may not copy, distribute, modify, reproduce, or commercially exploit any portion of the Platform without prior written permission.
  • User-generated content, if permitted, shall be licensed to the Company on a non-exclusive, royalty-free, worldwide basis for operation and promotional purposes.

8. Payments and Subscription

  • Any payments made to access premium services are non-refundable unless otherwise agreed in writing.
  • Subscription fees entitle you to time-bound access only and do not guarantee uninterrupted service or feature availability.
  • The Company reserves the right to change pricing, suspend features, or terminate access at its sole discretion, with or without notice.

9. Third-Party Services

The Platform may integrate or link to third-party services. The Company is not responsible or liable for any content, functionality, or practices of such third parties. Use them at your own risk.

10. Service Interruptions

The Platform may be temporarily unavailable due to maintenance, updates, cyberattacks, or issues beyond the Company's control. The Company disclaims all liability for any loss, damage, or inconvenience caused by such downtime.

11. No Warranty

The Platform and its Services are provided on an "as-is" and "as-available" basis.

No warranties, express or implied, are made regarding:

  • Accuracy, reliability, or completeness of content or data
  • Uninterrupted or error-free performance
  • Suitability for any particular purpose
  • Absence of viruses or harmful components

12. Limitation of Liability

To the maximum extent permitted by law, the Company and its affiliates shall not be liable for any:

  • Direct, indirect, incidental, consequential, punitive, or special damages
  • Loss of data, revenue, business, goodwill, or reputation
  • Legal claims or third-party actions arising from your use of the Platform

This applies even if the Company has been advised of the possibility of such damages.

13. Termination and Suspension

The Company reserves the right to suspend or permanently terminate your access to the Platform, without notice or liability, in the event of:

  • Violation of these Terms
  • Illegal, fraudulent, or abusive conduct
  • Breach of intellectual property or privacy rights

14. Amendments

The Company may modify these Terms and related policies at any time. Updated versions will be posted on the Platform and become effective immediately upon posting. Continued use of the Platform constitutes acceptance of the updated Terms.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts at, Kannur, Kerala, India.

16. Contact Information

For any questions, complaints, or legal notices, please contact:

APTIBO SOLUTIONS PRIVATE LIMITED
MIZONE,BUILDING NO:446,
MANGATTUPARAMBA,
KANNUR,KERALA
INDIA 670567
Email: info@aptibo.com

Disclaimer

By accessing or using the Platform "KAPIBO", you expressly acknowledge and agree that all loan, credit, repayment, and related data entered into the Platform is furnished solely by users, and "KAPIBO" makes no representation, warranty, or guarantee—express or implied—regarding the accuracy, completeness, validity, or reliability of any such user-submitted information.

The platform is designed to work well with indian rupees and indian mobile numbers. Others can use, but limitations will be there

The Platform functions solely as a private reminder and record-keeping service and does not operate as a financial institution, debt collection agency, credit bureau, legal advisor, or guarantor of any transaction. Users bear full responsibility for the veracity of their entries, for obtaining and documenting valid borrower consent prior to sending reminders, and for ensuring strict compliance with all applicable laws and regulations governing privacy, electronic communications, debt collection, anti-harassment, and defamation.

KAPIBO shall not be held liable for any direct, indirect, incidental, special, consequential, or punitive damages, losses, claims, liabilities, or expenses arising from or relating to user-entered data, user conduct, or reliance on Platform-generated communications, including but not limited to defamation, reputational harm, financial loss, or legal actions.

The Platform is committed to maintaining reasonable standards of data protection and privacy; however, users are responsible for limiting the disclosure of sensitive personal data, and KAPIBO shall not be liable for any unauthorised access, data leakage, or loss arising from user actions, third-party services, or cyberattacks.

The Platform depends on third-party hosting and digital infrastructure. KAPIBO is not liable for any service disruptions, outages, or data loss arising from cybersecurity incidents, force majeure events, or failures of third-party servers or systems.

No warranties, express or implied, are made regarding the uninterrupted or error-free functioning of the Platform, its suitability for a particular purpose, the accuracy or completeness of notifications, or the security of stored data. The Platform is provided strictly "as is" and "as available".

Any fees paid by users are strictly for time-limited access to the features available at the time of subscription or payment and do not imply entitlement to lifetime access, uninterrupted services, or future features. No refunds will be issued for partial use, discontinued access, or dissatisfaction.

Unauthorised public disclosure, sharing, or distribution of borrower information is strictly prohibited. The Platform reserves the unconditional right to monitor, suspend, restrict, or terminate any user account at its sole discretion for misuse, breach of these terms, or violation of applicable laws, without prior notice or liability.

The Platform further reserves the right to amend, modify, or supplement this Disclaimer and its associated Terms of Use at any time, including the introduction of new provisions to address emerging risks, legal developments, or operational needs. Continued use of KAPIBO constitutes your irrevocable acceptance of any such changes.

Your continued use of "KAPIBO" constitutes your irrevocable acceptance of this disclaimer and submission to the exclusive jurisdiction of the courts of KANNUR, governed by the laws of India.