Terms of Use

Yara Technologies (Pvt) Limited (“Yara”) owns and operates in conjunction with Meus Technologies Limited (“we”, “us”, “our”) the website at www.eduloanzm.com (the “Website”). Please read the following terms of use (“Terms of Use”) before using the Website or any services that may be made available through the Website, including the EduLoan platform (collectively, the “Services”). By accessing and using the Services you agree to be bound by these Terms of Use. If you do not agree with these Terms of Use, your sole recourse is to immediately cease visiting the Website or using Services.

OWNERSHIP & RESTRICTIONS ON USE

Any and all content, data, graphics, photographs, images, audio, video, software, systems, processes, trademarks, service marks, trade names and other information including, without limitation, the “look and feel” of the Website (collectively, the “Content”) contained in the Services are proprietary to Yara, its affiliates and/or third-party licensors. The Content is protected by copyright and trademark laws.

Except as set forth herein, you may not modify, copy, reproduce, publish, post, transmit, distribute, display, perform, create derivative works from, transfer or sell any Content without Yara’s express prior written consent. You may download, print and reproduce the Content for your own non-commercial, informational purposes provided you agree to maintain any and all copyright or other proprietary notices contained in such Content, and to cite the URL source of such Content. Reproduction of multiple copies of the Content, in whole or in part, for resale or distribution is strictly prohibited except with Yara’s prior written permission.

THE SERVICE

Through the Website we provide general information on the nature of and access to various types of loans and other financial products, in addition to comparison information in relation to such products and providers. We do not charge any fees to you for providing this service but are paid by the third party product or service providers. We partner with recognised educational institutions and reputed financial institutions and facilitate requests for educational loans. You (as a parent, guardian, students or joint applicant of a partner educational institution) can use the platform to request a loan from a partner financial institution. If you apply for a loan using our Website, you provide consent to us to share the information you have provided to us with our partner financial institutions. You acknowledge that this consent is effective immediately upon submitting your application and is being obtained to enable partner financial institutions to determine your eligibility for a loan. We provide the information you provide through the Platform to partner financial institutions in order to allow them to assess whether to prequalify you for a loan. If you pre-qualify you are not guaranteed approval. You will still need to submit an application with the partner bank relating to the loan.

We will not share your personal information with third parties for marketing purposes without your consent. For more information, see our Privacy Policy.

INFORMATION ON FINANCIAL PRODUCTS

In connection with your use of the Services, we or our partner financial institutions may send or otherwise provide you with information and offers about financial products or services that may be of interest to you (“Offers”). We make no representations or guarantees regarding your eligibility or qualification for such Offers. If you have any questions regarding any Offers, you must contact the partner financial institution directly. You understand and agree that we are merely providing you with information on Offers that may be of interest to you, and that we have no control over or responsibility for the Offers or any loss that you may suffer as a result of the use of such Offers. You should exercise your own judgment and obtain any expert advice you consider necessary prior to entering into an arrangement with a partner financial institution.

THIRD PARTY LINKS

The Website and the Service might offer you links to other sites that are owned and operated by third parties and therefore not operated by us. Please understand that such linked websites are independent from us and that we have no control over the content of such websites and your use of such third party websites and the content of such third party websites is entirely at your own risk. Consequently, we cannot be held liable and make no warranty or representation whatsoever as to the accuracy, timeliness and/or completeness of the information contained on such websites or in relation to any transactions you may undertake through such third party websites.

USER UNDERTAKINGS

As a condition of your continued access to and use of the Services, you agree to abide by all applicable laws and regulations and you agree not to upload, post, e-mail or otherwise transmit any material that:

constitutes unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
infringes any patent, trade-mark, trade secret, copyright or other proprietary or privacy rights of any party;
is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, racially, ethnically or otherwise objectionable, or an unfair product comparison; or
contains any form of destructive software such as a virus, worm, Trojan horse, time bomb, cancelbot, or any other harmful components or any other computer file, program or code, designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
harvest or otherwise collect or store any information (including personally identifiable information) about other users of the Services, including e-mail addresses, without the express consent of such users;
for the purpose of misleading others, create a false identity of the sender or the origin of a message, forge headers or otherwise manipulate identifiers in order to disguise the origin of any material transmitted through the Services;
attempt to gain unauthorized access to the Services, other computer systems or networks connected to the Website, through password mining or any other means;
interfere with or disrupt networks or servers connected to the Services or violate the regulations, policies or procedures of such networks; and
use, download or otherwise copy, or provide to any person or entity any Website users directory or other user or usage information or any portion thereof other than in the context of your use of the Services.

DISCLAIMER/ LIMITATION OF LIABILITY

The Content provided on the Website or contained in the Services is based on information given to us by third parties including partner educational institutions and partner financial institutions. Although we take reasonable steps to keep the Website up to date and to correct any errors as soon as possible after we become aware of them, we do not check, monitor, review, verify or endorse any such information. It is possible that information provided by third parties or in links to third party websites will be incomplete, inaccurate or out of date. It is your responsibility to verify such information to your own satisfaction and we cannot and do not accept responsibility for this.

The Content that we provide on the Website does not address your specific personal requirements. Further, the description of educational loan products and services on the Website may not represent a complete description of all the features and terms and conditions of such educational loan products and services. We have no control over the third parties partner financial institutions referred to on the Website and do not accept any responsibility or liability for any losses or damages that you may suffer in connection with your dealings with such third parties.

ACCORDINGLY, TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE, INCLUDING THE CONTENT, OFFERS AND SERVICES PROVIDED THEREIN, IS BEING PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS ON THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

IN NO EVENT SHALL WE, OUR AFFILIATES, MEMBERS, OFFICERS, EMPLOYEES, AGENTS AND LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE, THE WEBSITE, ANY CONTENT OR SERVICES (INCLUDING OFFERS), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, RELIABILITY OR CURRENCY OF ANY CONTENT.

You understand and recognise that we are not party to any agreement, contract or contractual relations, of any nature, entered into between you and the partner educational institutions and partner financial institutions.

By using the Services, you understand and acknowledge that any information we provide to you is for informational purposes only and does not constitute financial, legal or other advice to you and should not be relied upon in that regard.

INDEMNITY

You agree to indemnify and hold harmless us, our affiliates, members, officers, employees, agents, and licensors from and against any and all losses, expenses, damages, claims, fines, penalties, costs and liabilities (including reasonable legal and accounting fees), resulting from your use of the Services, connection thereto, or any alleged violation by you of these Terms of Use, including, without limitation, the user undertakings and Offers.

CHANGES AND TERMINATION

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice. Further, we reserve the right to change these Terms of Use at any time and to notify you by posting an updated version of the Terms of Use on this Website. You are responsible for regularly reviewing the Terms of Use, including, without limitation, by checking the date of “Last Update” at the top of this document. Continued use of the Website after any such changes shall constitute your consent to be bound by such changes, with continued provision of the use of the Website constituting consideration from us to you for so being bound. Your only right with respect to any dissatisfaction with these Terms of Use, any policy or practice of ours in operating the Website or any Content available through the Website, is to stop visiting and using the Services.

TRADEMARKS

The marks, graphics, typefaces, trademarks and logos appearing in connection with the Services are trademarks or trade dress belonging to us. All other trademarks appearing on the Services are property of their respective owners, including partner educational institutions and partner financial institutions. Our trademarks and trade dress may not be used in any manner for any purpose without our express written consent.

APPLICABLE LAWS

For the benefit of Yara, and subject to the provisions below, the parties irrevocably agree that the courts of the Democratic Socialist Republic of Sri Lanka shall have exclusive jurisdiction to hear, settle and/or determine any dispute, controversy or claim (including any non-contractual dispute, controversy or claim) arising out of or in connection with these Terms of Use, including any question regarding its existence, validity, formation or termination against Yara. For these purposes, each party irrevocably submits to the jurisdiction of the courts of Sri Lanka.

Nothing in these Terms of Use limits the right of Yara to bring proceedings against you in any other court of competent jurisdiction, and the bringing or continuing of proceedings in any one or more jurisdictions shall not preclude the bringing of proceedings in any other jurisdiction, whether concurrently or not, if and to the extent permitted by applicable law.

If any provision of the present Terms of Use shall be unlawful, void, or for any reason unenforceable, then such provision shall be severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

These Terms of Use and any and all other legal notices or statements posted on the Website constitute the entire agreement between you and us with respect to the use of the Website, including the Content.

NOTICE

Notices to you may be made via e-mail or regular mail, or in cases of changes to these Terms of Use or to the services offered by the Website, by posting notices or links to such notices on the Website itself.

CONTACT

If you have any questions or comments regarding these Terms of Use, please contact us here.