Terms & Conditions

Introduction

THIS DOCUMENT IS AN ELECTRONIC RECORD IN TERMS OF THE INFORMATION TECHNOLOGY ACT, 2000 AND RULES MADE THEREUNDER. THIS ELECTRONIC RECORD IS GENERATED BY A COMPUTER SYSTEM AND DOES NOT REQUIRE ANY PHYSICAL OR DIGITAL SIGNATURES. THIS DOCUMENT IS PUBLISHED IN ACCORDANCE WITH THE PROVISIONS OF RULE 3(1) OF THE INFORMATION TECHNOLOGY (INTERMEDIARIES GUIDELINES) RULES, 2011, WHICH REQUIRES PUBLISHING THE RULES, REGULATIONS, PRIVACY POLICY, AND TERMS OF USE FOR ACCESS OR USAGE OF THIS WEBSITE.

The domain name www.altorinvest.com (“Website” / “Platform”) is owned and operated by Munexa Technologies Private Limited, a private company limited by shares incorporated under the Companies Act, 2013, having its registered office at [Insert Registered Office Address], India and bearing CIN: [Insert CIN] (hereinafter referred to as the “Company”, which expression shall, unless repugnant to the context or meaning thereof, be deemed to include its successors, affiliates, and permitted assigns).

For the purposes of these Terms & Conditions (“Terms”):

• The words “User”, “you”, “your” refer to any person accessing or using the Platform.
• The words “we”, “our”, “us” refer to the Company.

Our services and these Terms and Conditions are compliant with the Indian Penal Code, 1860, and the Information Technology Act, 2000, including all amendments made thereto and rules framed thereunder.

By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms, along with our Privacy Policy and any other applicable policies of the Company.

If you do not agree with these Terms, you must immediately discontinue the use of the Platform. Your acceptance of these Terms makes you eligible to access our Platform/Website.

The Company reserves the right, at its sole discretion, to modify, amend, add, or remove portions of these Terms at any time without prior notice. It is your responsibility to review these Terms periodically for updates. Your continued use of the Platform following any changes shall be deemed to constitute your acceptance of those revisions.

By submitting your details through any webform on the Platform, you agree and consent to receive promotional calls, messages, or communications on the contact information provided, including from third-party platforms engaged by the Company.

The Platform is a technology-based service provider that enables Users to access information, tools, and resources related to investment and business financing opportunities. The Company itself does not guarantee returns, offer deposits, or directly engage in lending or borrowing activities. All financial arrangements entered into by Users are at their own discretion, risk, and responsibility, and must comply with the applicable laws of India.

1. General

• 1.1 These Terms apply to all Users of the Platform, including without limitation, individuals, institutions, and businesses who access or use the Platform.
• 1.2 By using the Platform, you confirm that you are legally competent to enter into a binding agreement under the Indian Contract Act, 1872.
• 1.3 The Company may update, modify, suspend, or discontinue any feature of the Platform without prior notice, and such changes shall be binding on the Users.

2. Eligibility

• 2.1 Users must:
  • Be at least 18 years of age;
  • Have the legal capacity to enter into contracts under Indian law;
  • Not be disqualified under any applicable law from accessing financial or investment services.
• 2.2 By using the Platform, you represent and warrant that you meet the eligibility requirements.

3. Scope of Services

• 3.1 The Platform is a technology-based intermediary that:
  • Provides information, tools, and resources related to business financing and investment opportunities;
  • Facilitates discovery and interaction between potential investors and businesses;
  • Provides technology-based services including digital documentation, communication, and transaction support.
• 3.2 The Company is not a bank, NBFC, financial institution, or deposit-taking entity, and does not:
  • Guarantee any investment returns;
  • Undertake lending, borrowing, or deposit-taking in its own capacity;
  • Provide financial advice or act as an investment advisor under SEBI regulations.
• 3.3 Any arrangement between Users is solely between such Users, at their discretion and risk.

4. User Obligations

• 4.1 You agree to:
  • Provide true, accurate, and complete information during registration and thereafter;
  • Use the Platform only for lawful purposes;
  • Maintain confidentiality of your login credentials;
  • Immediately notify the Company of any unauthorized use of your account.
• 4.2 You shall not:
  • Use the Platform for fraudulent, illegal, or money-laundering activities;
  • Attempt to gain unauthorized access to any systems;
  • Post or transmit harmful, defamatory, or misleading content.

5. Third-Party Services

• 5.1 The Platform may integrate with third-party service providers such as trustees, payment gateways, KYC/AML verification agencies, credit assessment agencies, or communication platforms.
• 5.2 The Company does not control such third-party services and is not liable for their accuracy, reliability, or performance.
• 5.3 Your use of such services will be governed by the terms and policies of the respective third party.

6. Financial Arrangements

• 6.1 All financial arrangements entered into through the Platform are strictly between the concerned Users.
• 6.2 The Company shall not:
  • Act as guarantor, obligor, or surety for any financial transaction;
  • Bear liability for non-performance, default, or fraud by any User;
  • Be required to repay, refund, or indemnify any User for investment losses.
• 6.3 Users are advised to undertake independent due diligence and seek professional advice before making financial commitments.

7. Intellectual Property

• 7.1 All intellectual property rights in the Platform, including text, design, software, logos, and trademarks, are owned by or licensed to the Company.
• 7.2 No User shall reproduce, distribute, or commercially exploit any content without the Company’s prior written consent.

8. Data Protection & Privacy

• 8.1 The Company collects, processes, and stores personal data in accordance with the Information Technology Act, 2000 and the Digital Personal Data Protection Act, 2023.
• 8.2 By using the Platform, you consent to the collection and processing of your information in accordance with the Privacy Policy.
• 8.3 The Company will take reasonable steps to protect your information but does not guarantee absolute security.

9. Promotional Communication

• 9.1 By providing your contact information, you consent to receive promotional, service-related, or informational messages, calls, or notifications, including from third-party platforms engaged by the Company.
• 9.2 You may opt out of promotional communications at any time, though transactional communications will continue.

10. Limitation of Liability

• 10.1 To the fullest extent permitted by law:
  • The Company shall not be liable for any loss, damage, claim, cost, or expense arising from your use of the Platform;
  • The Company disclaims all liability for investment losses, business defaults, or User misconduct;
  • The Company is not responsible for delays, interruptions, or force majeure events.

11. Indemnity

You agree to indemnify, defend, and hold harmless the Company, its directors, officers, employees, and affiliates from any claims, liabilities, damages, or expenses arising out of:

• Your use of the Platform;
• Breach of these Terms;
• Violation of applicable laws.

12. Termination

• 12.1 The Company reserves the right to suspend or terminate your access to the Platform if you violate these Terms or engage in unlawful activities.
• 12.2 Termination shall not affect any financial arrangements already entered into between Users.

13. Governing Law & Dispute Resolution

• 13.1 These Terms shall be governed by and construed in accordance with the laws of India.
• 13.2 Any disputes arising shall be subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra, India.
• 13.3 At the Company’s discretion, disputes may first be referred to arbitration under the Arbitration and Conciliation Act, 1996.