These Terms & Conditions ("Terms") govern your access to and use of IRA ORA's website at iraora.com and our gold savings scheme management software at app.iraora.com (together, the "Service"), operated by IRA ORA ("IRA ORA", "we", "us" or "our"). By using the Service, you agree to these Terms.
1. Eligibility and accounts
You must be a business or an authorised representative of a business, and able to enter into a binding contract, to use the Service. You are responsible for keeping your account credentials secure and for all activity under your account.
2. Description of the Service
IRA ORA helps jewellers manage gold savings schemes, monthly instalments, customer collections, payment reminders, WhatsApp reminders and UPI AutoPay. Features may change, improve or be discontinued over time.
3. Your customers and data
You may use the Service to manage information about your own customers and their plans. You are responsible for the accuracy of that information and for ensuring you have the necessary rights and consents to upload it and to send reminders and payment requests to your customers.
4. Payments, reminders and UPI AutoPay
Payments, payment links and UPI AutoPay mandates are processed through third-party payment partners. WhatsApp and other messaging features are delivered through third-party providers. Their availability, fees and terms may apply in addition to these Terms. IRA ORA is a software platform and does not act as a bank, lender or escrow service; funds collected from your customers are settled to you through the relevant payment partner.
5. Subscription and fees
Some features are offered on a free trial or paid subscription basis. Applicable fees, billing cycles and any taxes will be described at the point of sign-up or purchase. Fees are non-refundable except where required by law or expressly stated.
6. Acceptable use
You agree not to misuse the Service, including by sending unlawful, misleading or unsolicited messages, infringing others' rights, attempting to disrupt or gain unauthorised access to the Service, or using it for any unlawful purpose.
7. Intellectual property
The Service, including its software, design, branding and content, is owned by IRA ORA and protected by applicable laws. These Terms do not grant you any rights in our intellectual property except the limited right to use the Service as permitted here.
8. Third-party services
The Service integrates with third-party services such as payment gateways, UPI and WhatsApp. We are not responsible for the availability, accuracy or actions of these third parties, and your use of them may be subject to their own terms.
9. Disclaimers
The Service is provided on an "as is" and "as available" basis without warranties of any kind, to the maximum extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free or that reminders or collections will always be delivered or completed.
10. Limitation of liability
To the maximum extent permitted by law, IRA ORA will not be liable for any indirect, incidental, special or consequential damages, or for any loss of profits, revenue, data or goodwill arising from your use of the Service.
11. Termination
You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms or if required by law. On termination, your right to use the Service ends, though certain provisions survive.
12. Governing law
These Terms are governed by the laws of India, and the courts of India will have jurisdiction over any disputes, unless otherwise required by applicable law.
13. Changes to these Terms
We may update these Terms from time to time. We will post the updated version on this page and revise the "Last updated" date above. Continued use of the Service after changes means you accept the updated Terms.
14. Contact us
For any questions about these Terms, contact us at business@iraora.com.