1. Definitions

Unless the context otherwise requires, the following terms shall have the meanings assigned to them below:

 

1.1 "Aroon Fintech"

Means Aroon Fintech Private Limited, a company incorporated under the laws of India, together with its present and future parent companies, subsidiaries, affiliates, associated companies, branch offices, representative offices, joint ventures, strategic partners, franchisees, and locally incorporated operating entities established in any jurisdiction.

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1.2 "Biz by Aroon Fintech", "Biz", "Platform", "Website", "we", "our", or "us"

Means the global business finance marketplace operated by the applicable entity within the Aroon Fintech that provides access to financing solutions, business advisory services, technology solutions, and related services.

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1.3 "User", "Customer", "Applicant", "you", or "your"

Means any individual, sole proprietor, company, partnership, corporation, trust, limited liability partnership, government entity, non-profit organisation, financial institution, or other legal person accessing or using the Platform.

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1.4 "Business"

Means any legally recognised commercial enterprise, startup, micro, small or medium enterprise (MSME/SME), corporation, partnership, limited liability company, public sector undertaking, multinational corporation, non-profit organisation, or other commercial or legal entity.

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1.5 "Funding Provider"

Means any bank, financial institution, non-bank financial company (NBFC), alternative lender, private lender, credit fund, venture debt provider, private equity firm, institutional investor, trade finance provider, factoring company, export credit agency, insurance company, government funding agency, grant provider, or any other financing organisation participating on or through the Platform.

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1.6 "Financing Products"

Means loans, working capital facilities, trade finance, invoice financing, invoice discounting, factoring, supply chain finance, purchase order finance, equipment finance, machinery finance, vehicle finance, project finance, commercial real estate finance, venture debt, structured finance, guarantees, letters of credit, insurance products, grants, equity funding, or any other financial products offered by Funding Providers.

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1.7 "Services"

Means all services provided through the Platform, including but not limited to introductions to Funding Providers, business finance facilitation, loan brokerage (where permitted), financial marketplace services, advisory services, document collection, technology services, customer support, educational resources, analytics, and related solutions.

 

1.8 "Content"

Means all text, graphics, software, documents, logos, trademarks, databases, videos, audio, reports, blogs, calculators, illustrations, downloadable materials, APIs, and other materials made available on the Platform.

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1.9 "Partner"

Means any financial institution, lender, advisor, consultant, technology provider, legal firm, accounting firm, valuation company, insurance provider, government agency, or other third-party organisation associated with the Platform.

 

1.10 "Applicable Law"

Means all applicable laws, regulations, directives, rules, guidelines, sanctions, anti-money laundering requirements, data protection laws, consumer protection laws, and regulatory requirements applicable in the jurisdiction where the Services are provided or accessed.

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2. User Eligibility

By accessing or using the Platform, you represent and warrant that:

1. You are at least eighteen (18) years of age or have attained the legal age required to enter into binding contracts under the laws applicable in your jurisdiction.

2. You possess the legal capacity, authority, and power to enter into these Terms and to comply with all obligations arising from them.

3. If you are acting on behalf of a company, partnership, corporation, government entity, trust, or other organisation, you confirm that you are duly authorised to bind such entity to these Terms.

4. You will use the Platform solely for lawful business, commercial, or professional purposes.

5. You are not prohibited from receiving financial services under any applicable law, regulation, sanction, embargo, court order, or governmental restriction.

6. You are not listed on any applicable sanctions list, including but not limited to those maintained by the United Nations, the European Union, the United Kingdom, the United States, or any other relevant governmental authority.

7. All information, financial statements, documents, and representations provided by you are accurate, complete, current, and not misleading.

8. You agree to promptly notify Biz by Aroon Fintech of any material change affecting your eligibility, authority, financial position, ownership structure, or information previously submitted.

9. Biz by Aroon Fintech reserves the right to refuse access to the Platform, suspend Services, request additional information, or terminate user accounts where eligibility requirements are not satisfied or cannot be verified.

 

3. Acceptable Use

Users agree to use the Platform responsibly, ethically, and in compliance with all Applicable Laws.

You agree that you shall not:

1. Submit false, misleading, inaccurate, fraudulent, forged, altered, or incomplete information.

2. Impersonate any individual, organisation, government authority, or business.

3. Upload documents that you are not legally authorised to use or disclose.

4. Use the Platform for money laundering, terrorist financing, sanctions evasion, fraud, bribery, corruption, tax evasion, or any other unlawful activity.

5. Attempt to gain unauthorised access to the Platform, its servers, databases, APIs, software, or networks.

6. Introduce viruses, malware, ransomware, spyware, bots, scripts, automated tools, or other harmful technologies.

7. Interfere with, disrupt, damage, or compromise the operation, security, availability, or integrity of the Platform.

8. Copy, scrape, reverse engineer, reproduce, distribute, modify, or commercially exploit any part of the Platform without prior written permission.

9. Use automated systems, crawlers, robots, or artificial intelligence tools to extract data except where expressly authorised.

10. Infringe the intellectual property rights, confidentiality obligations, privacy rights, or proprietary rights of Biz by Aroon Fintech or any third party.

11. Circumvent security measures, authentication systems, or access controls implemented by the Platform.

12. Use the Platform in any manner that could damage the reputation, goodwill, or commercial interests of Biz by Aroon Fintech, the Aroon Fintech Group, its Partners, Funding Providers, or other Users.

13. Harass, abuse, threaten, intimidate, or engage in discriminatory, defamatory, obscene, or offensive conduct towards any person through the Platform.

14. Use the Platform to transmit unsolicited communications, spam, phishing messages, chain letters, or promotional content without authorisation.

15. Use the Platform in violation of any Applicable Law, regulatory requirement, court order, contractual obligation, or industry standard.

Biz by Aroon Fintech reserves the right, at its sole discretion and without prior notice where permitted by law, to investigate suspected violations, remove content, suspend or terminate access, reject applications, report unlawful activity to competent authorities, and pursue any legal or equitable remedies available under Applicable Law.

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4. Nature of Services

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4.1 Business Finance Marketplace

Biz by Aroon Fintech is a global digital business finance marketplace designed to facilitate access to a broad range of financing and business solutions for businesses across multiple jurisdictions.

Through the Platform, Users may access information regarding financing products, submit funding enquiries, connect with Funding Providers, engage professional advisors, and obtain assistance with documentation, application management, transaction coordination, and other related business support services.

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4.2 Scope of Services

Subject to applicable laws and regulations, the Platform may facilitate access to, or provide assistance in relation to, including but not limited to:

• Business Loans

• Working Capital Finance

• Trade Finance

• Supply Chain Finance

• Invoice Discounting

• Invoice Factoring

• Purchase Order Finance

• Equipment Finance

• Machinery Finance

• Commercial Vehicle Finance

• Fleet Finance

• Commercial Real Estate Finance

• Construction Finance

• Project Finance

• Acquisition Finance

• Asset-Based Lending

• Structured Finance

• Export Finance

• Import Finance

• Letters of Credit

• Bank Guarantees

• Performance Guarantees

• Venture Debt

• Private Credit

• Debt Syndication

• Loan Syndication

• Corporate Finance

• Capital Raising

• Equity Funding Introductions

• Grants and Government Funding

• Financial Advisory

• Strategic Advisory

• Transaction Advisory

• Documentation Assistance

• Risk Assessment Coordination

• Insurance Introductions

• Professional Advisory Introductions

The above list is illustrative and not exhaustive.

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4.3 Technology Platform

The Platform primarily provides technology-enabled marketplace services, including:

• digital application submission;

• business profile management;

• document collection;

• secure information exchange;

• communication between Users and Funding Providers;

• partner referrals;

• workflow management;

• financing comparisons;

• status tracking;

• customer support.

Certain services may be provided directly by the applicable Aroon Fintech entity, while others may be delivered by independent third-party Partners.

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4.4 Advisory and Facilitation Services

Where available, Biz by Aroon Fintech may provide advisory, consulting, transaction support, documentation assistance, financial structuring support, lender coordination, or other facilitation services.

Such services are intended solely to assist Users in accessing suitable financing opportunities and do not constitute lending, underwriting, investment management, or acceptance of credit risk.

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5. No Lending / Marketplace Model

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5.1 Marketplace Only

Biz by Aroon Fintech operates as an independent marketplace and facilitation platform.

Unless expressly stated otherwise in writing for a specific product or jurisdiction, neither Biz by Aroon Fintech nor any applicable Aroon Fintech entity:

• accepts customer deposits;

• provides loans from its own balance sheet;

• lends its own funds;

• guarantees financing;

• underwrites credit facilities;

• issues credit approvals;

• assumes repayment risk on behalf of Funding Providers.

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5.2 Independent Funding Providers

All financing products made available through the Platform are offered solely by independent Funding Providers.

Each Funding Provider independently determines:

• eligibility criteria;

• underwriting standards;

• documentation requirements;

• credit assessment;

• collateral requirements;

• pricing;

• interest rates;

• fees;

• repayment terms;

• approval or rejection.

Biz by Aroon Fintech has no authority to compel, influence, or guarantee the approval of any application except to the extent permitted under applicable commercial arrangements and applicable law.

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5.3 No Guarantee

Submission of an enquiry or application through the Platform does not guarantee:

• funding approval;

• lender acceptance;

• any minimum financing amount;

• any particular interest rate;

• any repayment tenure;

• any processing timeline;

• successful completion of a transaction.

All applications remain subject to the independent evaluation of the relevant Funding Provider.

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5.4 Independent Commercial Decisions

Funding Providers retain sole responsibility for all lending decisions and contractual obligations arising from any financing transaction.

Any financing agreement entered into by a User shall be exclusively between the User and the applicable Funding Provider unless expressly stated otherwise.

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6. Credit Broker & Introducer Disclosure

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6.1 Capacity in Which We Act

Depending upon the jurisdiction, applicable law, regulatory requirements, and the specific financing product, Biz by Aroon Fintech may act in one or more of the following capacities:

• Marketplace Operator

• Finance Marketplace

• Business Finance Facilitator

• Funding Introducer

• Loan Introducer

• Credit Intermediary

• Credit Broker (where authorised or permitted)

• Finance Broker (where authorised or permitted)

• Referral Partner

• Transaction Coordinator

• Financial Consultant

• Business Advisor

• Documentation Support Provider

• Technology Service Provider

The capacity in which Biz by Aroon Fintech acts may differ depending upon the country, regulatory framework, and Funding Provider involved.

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6.2 No Fiduciary Relationship

Except where expressly agreed in writing, Biz by Aroon Fintech does not act as:

• your fiduciary;

• your legal representative;

• your investment adviser;

• your financial planner;

• your attorney;

• your accountant.

Users remain responsible for obtaining independent professional advice where appropriate.

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6.3 Introductions to Funding Providers

The Platform may introduce Users to one or more Funding Providers based on information provided by the User, financing requirements, product availability, geographic location, commercial relationships, eligibility criteria, risk appetite, industry focus, transaction size, or other relevant considerations.

Biz by Aroon Fintech does not warrant that every Funding Provider available in the market is included on the Platform.

 

6.4 Commission and Commercial Arrangements

Biz by Aroon Fintech may receive commissions, brokerage, referral fees, introducer fees, success fees, service fees, technology fees, or other forms of remuneration from Funding Providers, Users, or both, depending on the nature of the transaction and the applicable contractual arrangements.

The amount and structure of such remuneration may differ between Funding Providers, products, jurisdictions, and transaction types.

Where required by Applicable Law, relevant fee or commission disclosures will be provided to the User.

 

6.5 No Influence Over Credit Decisions

Although Biz by Aroon Fintech may assist Users throughout the financing process, prepare documentation, coordinate with Funding Providers, or facilitate communications, the final decision regarding approval, pricing, terms, conditions, documentation, collateral, and disbursement rests solely with the applicable Funding Provider.

 

6.6 Regulatory Status

Biz by Aroon Fintech operates in accordance with applicable laws in the jurisdictions where its services are offered.

Certain services may require registration, licensing, authorisation, or regulatory approval in particular jurisdictions. Where such requirements apply, the relevant services shall only be provided through the appropriately authorised Aroon Fintech entity or an authorised Partner, and only to the extent permitted under Applicable Law.

Nothing contained on the Platform shall be interpreted as representing that all services are regulated or licensed in every jurisdiction in which the Platform is accessible.

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7. No Guarantee of Finance

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7.1 No Assurance of Funding

Biz by Aroon Fintech provides a technology-enabled marketplace that facilitates introductions and connections between Users and independent Funding Providers. Submission of an enquiry, application, or supporting documentation through the Platform does not guarantee that any financing will be approved, offered, or disbursed.

The use of the Platform does not create any obligation on the part of Biz by Aroon Fintech or any Funding Provider to provide financing.

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7.2 Independent Credit Assessment

All financing applications are independently assessed by the relevant Funding Provider in accordance with its own:

• credit policies;

• underwriting standards;

• internal risk assessment procedures;

• compliance requirements;

• regulatory obligations;

• commercial considerations.

Biz by Aroon Fintech has no authority to approve, reject, or override any lending or investment decision made by a Funding Provider.

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7.3 Commercial Terms

All commercial terms, including but not limited to:

• financing amount;

• interest or profit rates;

• repayment schedules;

• collateral or security requirements;

• guarantees;

• processing fees;

• legal costs;

• insurance requirements;

• documentation requirements;

• covenants;

• disbursement conditions; and

• any other contractual obligations,

are determined solely by the applicable Funding Provider.

Biz by Aroon Fintech does not warrant that any particular financing terms will be available.

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7.4 Availability of Services

Certain financing products, services, or Funding Providers may not be available in every country or jurisdiction.

Availability depends upon applicable laws, licensing requirements, sanctions regulations, commercial arrangements, product availability, and the eligibility criteria established by each Funding Provider.

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7.5 No Representation of Market Coverage

Although Biz by Aroon Fintech continually seeks to expand its network of Funding Providers, the Platform does not represent or warrant that it includes every lender, investor, bank, financial institution, grant provider, or financing programme available in the market.

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7.6 Processing Time

Any estimated processing times, approval timelines, indicative offers, or expected completion dates displayed on the Platform are estimates only.

Actual timelines depend upon the Funding Provider, the complexity of the transaction, regulatory requirements, due diligence processes, and the timely submission of complete documentation by the User.

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8. User Obligations

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8.1 Accurate Information

Users agree to provide complete, accurate, truthful, and up-to-date information at all times.

Users shall promptly notify Biz by Aroon Fintech of any material changes to information previously submitted.

 

8.2 Legal Authority

Where a User acts on behalf of a business or organisation, the User represents and warrants that they possess all necessary authority to:

• submit applications;

• share confidential information;

• upload documents;

• execute agreements; and

• bind the organisation where applicable.

 

8.3 Compliance with Laws

Users shall comply with all Applicable Laws, including laws relating to:

• anti-money laundering;

• counter-terrorist financing;

• sanctions;

• anti-bribery and anti-corruption;

• taxation;

• export controls;

• data protection;

• privacy; and

• financial crime prevention.

 

8.4 Cooperation

Users agree to cooperate fully with Biz by Aroon Fintech, Funding Providers, and authorised third parties by responding promptly to requests for additional information, clarifications, or documentation necessary to process applications or comply with legal and regulatory obligations.

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8.5 Confidentiality

Users are responsible for maintaining the confidentiality of their login credentials, authentication methods, verification codes, and account information.

Users shall immediately notify Biz by Aroon Fintech of any suspected unauthorised access or security incident affecting their account.

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8.6 Lawful Use

Users shall use the Platform only for legitimate commercial, business, or professional purposes and shall not use the Platform in any manner that violates these Terms or Applicable Law.

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8.7 Responsibility for Decisions

Users acknowledge that all financing, commercial, investment, and business decisions remain their sole responsibility.

Biz by Aroon Fintech does not assume responsibility for any decision made by a User based upon information obtained through the Platform.

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9. Business Information & Documentation

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9.1 Information Submitted

Users may be required to provide information including, but not limited to:

• business registration details;

• incorporation documents;

• ownership structure;

• shareholder information;

• director information;

• beneficial ownership details;

• financial statements;

• management accounts;

• tax registrations;

• licences and permits;

• banking information;

• invoices;

• contracts;

• purchase orders;

• trade documentation;

• project reports;

• business plans;

• projections; and

• any other information reasonably requested by Biz by Aroon Fintech or a Funding Provider.

 

9.2 Accuracy of Documentation

Users represent and warrant that all documents submitted are:

• genuine;

• authentic;

• complete;

• accurate;

• current;

• lawfully obtained; and

• free from material misrepresentation.

Submission of forged, altered, misleading, or fraudulent documentation may result in immediate rejection of applications, suspension of access to the Platform, termination of services, reporting to competent authorities, and any other remedies available under Applicable Law.

 

9.3 Verification

Biz by Aroon Fintech and its Funding Providers reserve the right to verify any information or documentation submitted by Users through independent sources, public records, credit bureaus, government authorities, professional advisers, technology providers, or third-party verification agencies, where permitted by Applicable Law.

 

9.4 Additional Information

Users acknowledge that Biz by Aroon Fintech or a Funding Provider may request additional documentation or clarification at any stage of the application, underwriting, compliance, or post-disbursement process.

Failure to provide requested information within a reasonable period may result in delays, suspension of processing, rejection of an application, or termination of services.

 

9.5 Record Retention

Biz by Aroon Fintech may retain business information and documentation for such periods as are required by Applicable Law, contractual obligations, regulatory requirements, internal compliance policies, or legitimate business purposes, subject to the Platform's Privacy Policy and applicable data protection laws.

 

9.6 User Responsibility

Users remain solely responsible for ensuring that all information and documentation submitted to the Platform is lawful, accurate, and kept up to date. Biz by Aroon Fintech shall not be responsible for any losses, delays, or adverse decisions arising from inaccurate, incomplete, outdated, or misleading information provided by the User.

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10. KYC / AML Requirements

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10.1 Compliance Commitment

Biz by Aroon Fintech is committed to supporting compliance with applicable:

• Know Your Customer (KYC) requirements;

• Anti-Money Laundering (AML) regulations;

• Counter-Terrorist Financing (CTF) laws;

• sanctions regulations;

• anti-bribery and anti-corruption laws;

• financial crime prevention requirements; and

• other compliance obligations imposed by Applicable Law.

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10.2 Identity Verification

Users may be required to undergo identity verification, business verification, beneficial ownership verification, source-of-funds verification, source-of-wealth verification, sanctions screening, politically exposed person (PEP) screening, adverse media screening, and other compliance checks.

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10.3 Beneficial Ownership

Users shall disclose all beneficial owners, controlling persons, key decision-makers, and other persons who may be required under Applicable Law or compliance standards.

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10.4 Ongoing Monitoring

Biz by Aroon Fintech and Funding Providers may conduct ongoing monitoring of Users, transactions, business activities, ownership structures, and compliance status throughout the relationship.

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10.5 Suspicious Activities

Biz by Aroon Fintech reserves the right to:

• suspend processing;

• reject applications;

• freeze access to certain services;

• request additional information;

• report suspicious activities to competent authorities; and

• terminate relationships,

where there are reasonable grounds to suspect fraud, money laundering, terrorist financing, sanctions violations, corruption, identity theft, document forgery, or other unlawful activities.

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10.6 No Obligation to Explain

To the extent permitted by Applicable Law, Biz by Aroon Fintech shall not be obligated to disclose the reasons for any compliance review, rejection, suspension, reporting decision, or enhanced due diligence measure.

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10.7 User Cooperation

Users agree to fully cooperate with all KYC, AML, sanctions, and compliance-related requests and acknowledge that failure to do so may prevent the provision of Services.

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11. Fees & Charges

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11.1 Platform Fees

Access to certain portions of the Platform may be provided free of charge, while other services may be subject to fees, subscriptions, success fees, advisory fees, consulting fees, brokerage fees, technology fees, transaction fees, or other charges.

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11.2 Third-Party Fees

Funding Providers, financial institutions, legal advisers, valuers, insurance providers, consultants, and other third parties may impose their own fees, charges, commissions, costs, expenses, taxes, duties, or penalties.

Such amounts are separate from any fees charged by Biz by Aroon Fintech.

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11.3 Success Fees

Where applicable and agreed in writing, Biz by Aroon Fintech may charge success fees, placement fees, transaction fees, or completion fees based on:

• approved financing amounts;

• disbursed financing amounts;

• transaction values;

• capital raised;

• project values; or

• other agreed commercial metrics.

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11.4 Commission Arrangements

Biz by Aroon Fintech may receive commissions, referral fees, introducer fees, brokerage fees, technology fees, or other remuneration from Funding Providers and commercial partners.

The amount and structure of such remuneration may vary depending upon the product, jurisdiction, provider, transaction size, risk profile, and commercial arrangements.

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11.5 Taxes

All fees are exclusive of taxes unless expressly stated otherwise.

Users remain responsible for any applicable taxes, duties, levies, withholdings, government charges, or regulatory fees associated with their use of the Platform or any transaction entered into through the Platform.

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11.6 Changes to Fees

Biz by Aroon Fintech reserves the right to introduce, modify, amend, increase, reduce, or discontinue fees at any time upon reasonable notice where required by Applicable Law.

11.7 No Refunds

Unless otherwise required by Applicable Law or expressly agreed in writing, fees paid to Biz by Aroon Fintech are non-refundable.

This provision does not affect any statutory rights that may apply in the User's jurisdiction.

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12. Commission Disclosure

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12.1 Commercial Relationships

Biz by Aroon Fintech maintains commercial relationships with various Funding Providers, financial institutions, lenders, investors, insurance companies, advisory firms, technology providers, and other Partners participating on the Platform.

As part of these commercial arrangements, Biz by Aroon Fintech may receive remuneration for services provided in connection with successful introductions, referrals, financing transactions, advisory services, technology services, or other business activities.

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12.2 Types of Remuneration

Subject to Applicable Law, remuneration received by Biz by Aroon Fintech may include, without limitation:

• Referral Fees;

• Introducer Fees;

• Brokerage or Credit Brokerage Fees;

• Success Fees;

• Arrangement Fees;

• Platform Fees;

• Technology or Software Fees;

• Revenue Sharing;

• Service Fees;

• Advisory Fees;

• Marketing or Distribution Fees; and

• Other commercially agreed compensation.

Such remuneration may be payable by Funding Providers, Users, or both, depending on the nature of the transaction and the contractual arrangements.

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12.3 Variation Between Providers

The amount, structure, timing, and method of calculating remuneration may differ between Funding Providers, products, jurisdictions, and transaction types.

The existence or amount of remuneration shall not be interpreted as a recommendation that a particular Funding Provider or financing product is more suitable for a User.

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12.4 Independent Credit Decisions

Payment of commissions or other remuneration does not influence the independent underwriting, credit assessment, approval, pricing, or lending decisions of Funding Providers.

All lending and investment decisions remain solely at the discretion of the applicable Funding Provider.

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12.5 User Fees

Certain advisory, consulting, documentation, transaction support, technology, or premium marketplace services may be subject to separate fees payable by the User.

Where applicable, such fees will be disclosed before the User becomes contractually obligated.

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12.6 Regulatory Disclosure

Where Applicable Law requires specific commission or remuneration disclosures, Biz by Aroon Fintech will make such disclosures in accordance with the relevant legal and regulatory requirements.

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13. Third-Party Providers

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13.1 Independent Third Parties

The Platform facilitates interactions with independent third-party organisations, including but not limited to:

• Banks;

• Financial Institutions;

• Non-Bank Financial Companies (NBFCs);

• Alternative Lenders;

• Private Credit Funds;

• Venture Debt Providers;

• Factoring Companies;

• Insurance Companies;

• Export Credit Agencies;

• Government Funding Agencies;

• Legal Advisors;

• Chartered Accountants;

• Valuation Firms;

• Credit Rating Agencies;

• Technology Providers;

• Payment Service Providers;

• Identity Verification Providers;

• Data Providers; and

• Other Professional Service Providers.

Each Third-Party Provider operates independently of Biz by Aroon Fintech.

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13.2 No Endorsement

The inclusion of any Third-Party Provider on the Platform does not constitute an endorsement, recommendation, guarantee, or certification by Biz by Aroon Fintech regarding the quality, financial strength, reliability, or suitability of that provider.

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13.3 Third-Party Terms

Users acknowledge that Third-Party Providers may require Users to accept separate contracts, privacy policies, disclosures, terms of business, or regulatory documentation.

Biz by Aroon Fintech is not responsible for the content or enforcement of such agreements.

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13.4 Third-Party Services

Biz by Aroon Fintech shall not be responsible or liable for:

• lending decisions;

• investment decisions;

• product availability;

• pricing;

• service quality;

• contractual performance;

• customer support;

• system availability;

• payment processing;

• regulatory compliance; or

• any acts or omissions of Third-Party Providers.

Any dispute relating to products or services supplied by a Third-Party Provider shall, unless otherwise required by Applicable Law, be resolved directly between the User and the relevant Third-Party Provider.

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14. Financial Advice Disclaimer

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14.1 Information Only

Unless expressly agreed in writing under a separate advisory engagement, all information made available through the Platform is provided solely for general informational and educational purposes.

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14.2 No Professional Advice

Nothing contained on the Platform shall constitute or be interpreted as:

• financial advice;

• investment advice;

• legal advice;

• tax advice;

• accounting advice;

• regulatory advice;

• insurance advice;

• valuation advice;

• fiduciary advice; or

• any other form of professional advice.

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14.3 Independent Advice

Users should obtain independent professional advice from appropriately qualified advisers before making financing, investment, legal, tax, accounting, insurance, or commercial decisions.

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14.4 No Recommendation

Biz by Aroon Fintech does not recommend or endorse any particular Funding Provider, financing product, investment opportunity, legal structure, tax arrangement, or commercial transaction unless expressly stated under a separately executed advisory agreement.

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14.5 User Responsibility

All commercial, financing, investment, and business decisions remain solely the responsibility of the User.

Biz by Aroon Fintech shall not be liable for any losses arising from reliance upon information published on the Platform.

 

15. Intellectual Property

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15.1 Ownership

All intellectual property rights relating to the Platform, including without limitation:

• software;

• source code;

• databases;

• website design;

• user interfaces;

• algorithms;

• trademarks;

• trade names;

• service marks;

• logos;

• graphics;

• content;

• reports;

• documentation;

• business processes;

• APIs;

• photographs;

• videos; and

• other proprietary materials,

are owned by or licensed to the applicable entity within the Aroon Fintech Group unless otherwise stated.

 

15.2 Limited Licence

Subject to these Terms, Biz by Aroon Fintech grants Users a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Platform solely for legitimate business purposes.

 

15.3 Restrictions

Users shall not, without prior written consent:

• reproduce;

• modify;

• copy;

• distribute;

• publish;

• reverse engineer;

• decompile;

• disassemble;

• create derivative works from;

• commercially exploit; or

• otherwise misuse

any intellectual property belonging to Biz by Aroon Fintech or its licensors.

 

15.4 Feedback

Any suggestions, ideas, comments, improvements, innovations, or feedback voluntarily submitted by Users regarding the Platform may be used by Biz by Aroon Fintech without restriction and without any obligation to compensate the User.​​