Terms and Conditions / Privacy Policy

Introduction

Welcome to the website of Ligra Capital limited (“Pillar loans” “we,” or “us”). Your use of this website (the “Website”) and any services (“Services”) made available by us is subject to these Terms & Conditions (these “Terms”). “Services” include both (a) basic services including deep linking services, analytics services, content and source analytics, data import and export features. IF YOU DO NOT AGREE TO THESE TERMS & CONDITIONS, DO NOT USE OUR WEBSITE OR ANY SERVICES.
We may make changes to these Terms from time to time. It is your responsibility to review these Terms frequently and to remain informed of any changes to them. The then-current version of these Terms will supersede all earlier versions. You agree that your continued use of our Services after such changes have been published to our Services will constitute your acceptance of such revised Terms.
Customer-specific pricing, billing, payment, and support terms for paid products are contained within the relevant Order Form and Service Level Agreement, if any.
Subject to your compliance with these terms and conditions, we grant you a limited, non-transferable, non-exclusive, revocable, license to access and use the Services and to use our API and interface your mobile applications (“Apps”) and/or website(s) with the Services in association with our service offering. Your rights to access and use the Services are limited by all terms and conditions set forth in these Terms.

PAID SERVICE TERMS

Some of our Services are provided at no cost whereas other, paid services are subject to fees and additional terms as specified in any relevant Order Form between you and us. All advances are subject to interest terms and a penalty will be levied at a rate decided by us if the account does not cure in 28 days.
In consideration for Ligra providing any paid services, you agree to pay to us the applicable fees (“Fees”). You are responsible for all properly invoiced and undisputed Fees, even if such Fees are due and payable after termination of these Terms. Failure to use the Services does not constitute a basis for refusing to pay any Fees. Except as expressly provided otherwise in these Terms, You will not receive any refund or prorated refund for amounts previously paid or amounts owed up to the effective date of termination. We reserve the right to send Your account to a collections agency for nonpayment (who may, in turn, report the uncollected debt to credit bureaus if the debt is not paid within a certain period of time) and to use Your contact information for debt collection purposes if these Terms are terminated for non-payment as set forth herein following the 28-day cure period and You are not disputing such payment obligation.
You shall be responsible for the payment of any fees associated with an electronic funds transfer, mobile money costs and/or cheque costs in relation to payments for existing obligations. All Fees are exclusive of taxes, duties, levies, tariffs, and other governmental charges (including, without limitation, VAT) (collectively, “Taxes”). You are responsible for payment of all Taxes and any related interest and/or penalties resulting from any payments made hereunder.
Except as otherwise agreed to by you and Ligra Capital Limited in a superseding Order Form, your access to the Services will automatically renew under the same Order Form terms (contract duration, billing frequency, collection period, etc.), unless and until your access to the Services is terminated in accordance with the provisions set herein.
Except as otherwise agreed to by you and Ligra in a superseding Order Form, we reserve the right to modify or discontinue, temporarily or permanently, all or any portion of the Services without notice, provided that we promptly provide a pro-rated refund of all pre-paid and unearned amounts based on the period of suspension or the date of discontinuance, as applicable. We may also, in our sole discretion, terminate your access to the Services if you violate any of these Terms, unless you cure such breach without notice to us.
Upon termination of these Terms, (a) all rights and licenses granted to you hereunder will immediately terminate; (b) you will immediately cease all use of the Services; (c) you will terminate your Apps’ and websites’ access to and use of the Pillar API.

TERMINATION

Except for paid services, Ligra Capital, in its sole discretion, may terminate your use of the Services without prior notice for any reason at any time. You agree that we shall not be liable to you or any third party for termination by us.

Use of Services & Account

You represent and warrant that you possess the legal right and ability to enter into this Agreement. You agree not to use the Materials, Content, Services, and your Account for any unlawful or abusive purpose or in any way which interferes with our ability to provide Services to our customers, or which damages our property.
Chickpea gourd coriander daikon zucchini lettuce tomatillo sierra leone bologi maize parsnip grape melon kohlrabi welsh onion. Celery wakame corn garlic courgette silver beet cabbage gram amaranth jícama bitterleaf. Ricebean bunya nuts prairie turnip water chestnut artichoke cauliflower watercress gourd cabbage okra broccoli rabe. Burdock leek sorrel radicchio azuki bean collard greens winter purslane broccoli rabe gourd water chestnut pumpkin gumbo. Azuki bean green bean kohlrabi kombu aubergine salsify lotus root turnip lentil radicchio nori eggplant sorrel.

RESTRICTED AREAS OF THE SERVICES

Certain parts of the Services, including account management features, may be password-restricted to registered users or other authorized persons (“Password-Protected Areas”). You may select individuals (employees or independent contractors) to access and use the Services and you will obtain separate credentials, e.g., user IDs and passwords, from Pillar for such individuals (each, an “Authorized User”).
You will at all times be responsible for all actions taken under an Authorized User’s account, whether or not such action was taken by an Authorized User or by another party, and whether or not such action was authorized by an Authorized User. You are responsible for the security of each Authorized User’s credentials and will not share (and will instruct each Authorized User not to share) such credentials with any other person or entity or otherwise permit any other person or entity to access or use the Services.

DISCLAIMER OF WARRANTIES

The Services, are provided “AS IS,” without warranty of any kind. WITHOUT LIMITING THE FOREGOING, LIGRA CAPITAL EXPLICITLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT OR NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. Ligra capital does not guarantee the accuracy, completeness, or usefulness of the Services, and you rely on the services at your own risk.

LIMITATION OF LIABILITY

Except with respect to sections of these Terms pertaining to Confidentiality and Indemnity: (a) Ligra Capital and its suppliers and licensors will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses (even if Ligra Capital has been advised of the possibility of such damages), resulting from your use of the Services, the Ligra Capital API and/or the Ligra Capital SDKs; and (b) under no circumstances will the total liability of Ligra Capital and its suppliers and licensors of all kinds arising out of or related to your use of the Services, the Ligra Capital API and the Ligra Capital SDKs (including but not limited to warranty claims), regardless of the forum and regardless of whether any action or claim is based in contract, tort, or otherwise, exceed the amounts, if any, that you have paid to Ligra Capital for use of the Services for the one month period prior to the claim.