About Canopi

We are on a mission to help small businesses get loans on their invoice.


Thank your for visiting our website canopi.in. The website canopi.in is owned and managed by Canopi India Private Limited (“Canopi” or “Site” or “we” or “our” or “us”). Canopi is an online marketplace where small business can avail for working capital finance for their trade receivables. Canopi is not a financial institution, nor do we collect deposits or run chit funds or other kinds of financial deposit schemes.

Acceptance of Agreement

By using our service (“Service” or “Service”), you (“User” or “Your”) agree to be bound by the terms and conditions (“Terms and Conditions” or “Terms”) that we have provided here. If you do not agree to these terms, you are advised to stop using our Site immediately. These terms may be amended at any time by us from time to time without specific notice to you. The latest copy of the terms and conditions will be posted on the Site and you should review this prior to using our Site. For specific questions regarding the Terms or our Service, please send an email to info@canopi.in.

Copyright

The content, organization, design, source code, software applications and other materials on this Site are protected by copyright. All rights are reserved with Canopi. No part may be modified, reproduced, sold, stored in a retrieval system, transmitted in any form, copied, distributed, reverse engineered, framed, used for creating derivative works or used for commercial or non-commercial purposes under any circumstances.

Registration

The Service offered in the Site requires a registration and is only an “invitation to offer”. In order to register, you are required to furnish your details which is accurate, complete and up to date.
Upon completion of the registration process, you will receive a username and a password from Canopi. You will be responsible for maintaining the confidentiality of your user credentials. Canopi shall not be held responsible in any way for direct, indirect or consequential damages that may arise owing to the unauthorized use of your account. You are also required to immediately notify Canopi of any unlawful breach of your account or of any suspicious activity relating to your account.
Canopi reserves the right to refuse Service at our sole discretion anytime either before or after the registration process is complete.

Personal Information

In using our Service, you are required to furnish certain information including but not limited to Name, Email Address, Phone Number, Occupation, Organization name and Location. You agree that you will voluntarily furnish such information that is complete, accurate and up to date. Providing details of another person or business entity as your own may be punishable under the terms of the law and will not be deemed as acceptable.

Authorization

You authorize Canopi or our business partners to contact you by phone or email or in person to provide information about our Service.
You authorize Canopi or our business partners to conduct due diligence in order to ascertain the validity of any information you provide on the Site.

Use of Information

You agree that the information you provide here will be shared with our business partners, employees, financial company/NBFC/Banking partners for providing you our Service.
You agree that Canopi may use the information you provide on the Site, analyze your usage and access patterns for statistical analysis or other purposes to improve our service offering. Canopi may collect device specific information such as but not limited to your device hardware model, operating systems, software and browser versions. We may also use various technologies to determine your GPS co-ordinates, IP Address and other location specific details.
Canopi may further associate these information with your registered account with Canopi.
In some instances, Canopi may collect non-personal (aggregate or demographic) data through cookies, web logs, and web beacons. That information is used to improve the usability, performance, and effectiveness of our Site.

Cookies and other Tracking Technologies

Canopi and its third-party service providers utilize technologies such as cookies, beacons, tags and scripts on our Site. These technologies are used in analyzing trends, administering our Site, tracking users' movements around the Site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

Privacy

Your privacy is very important to us. Canopi agrees that any information we share with third parties will be only as described here.
Canopi may share your information with third parties authorized to use your information only as necessary to provide you our Service.
Canopi will not rent, share or sell your information to any third parties. We may otherwise disclose your information when
1) we have your express consent to share this information for a specified purpose;
2) as required by the law such to comply with court orders or similar legal procedures;
3) to protect the personal safety of the users of our Site or exercise or defend our property and legal rights with respect to illegal activities, suspected fraud, violations of our Terms, or respond to a government request.
We may also or transfer your information to our affiliates or to third parties acting on Canopi’s behalf for the purposes of processing or storage.

Security

Canopi utilizes industry-standard measures to ensure that your information is kept secure. These measures include but is not limited to usage of SSL/TLS encryption, Service Audits, Firewalls and other network security measures. However, Canopi assumes no liability for any disclosure of information due to unauthorized access by third parties or due to error or omissions beyond our reasonable control.

Service Availability

Being a registered user on our Site in no manner warrants or guarantees that our Service will be provided to you without taking into account other considerations including but not limited to financial terms, market conditions, technical considerations or business prospects. Canopi reserves the right to modify, suspend or discontinue its Service without giving you prior notice.

Additional Terms

The Terms mentioned here are for the express purpose of registering as a User on our Site. You hereby agree that additional contracts and agreements may be put forth by Canopi or our business partners for availing full range of our Service.

No Professional Advice

The Service made available through the Site is not intended to and does not constitute legal or professional advice, recommendation, or mediation under any circumstance. Your use of the our Service is voluntary and entirely at your own risk. If necessary, please consult a professional or a legal expert for guidance before using Service.

Restrictions and Prohibition on Use

You will agree not to hack or exploit loopholes in software, systems or processes used by Canopi either directly or indirectly or attempt to gain unauthorized entry to the Site. The documents or other materials that you upload on the Site shall be free of virus, trojans or other malware designed to interrupt, destroy or limit the functionality of Canopi Site or Service.

Unlawful Activity

You will not use our Service for competitive gains or with malicious intent. Canopi reserves the right to investigate complaints or reported violations of our Terms and take any suitable action thereafter, including but not limited to deactivating, suspending or terminating your account without giving you any notice. If you are found to be violating any of the Terms, Canopi can initiate legal proceedings at your expense and attempt to claim suitable damages that may arise for your actions whether directly implied or not.

Indemnification

You agree to indemnify and hold Canopi harmless against all liabilities, losses, damages, claim and expenses whatsoever which Canopi may at any time incur, sustain, suffer or be put to as a consequence of your violation of the Terms or use of our Service.

Limitation of Liability

Canopi, its employees, affiliates, directors, or its partners involved in creating, transmitting or distributing our Service on this Site, under no circumstances, shall be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from either misrepresentation, fraud, coercion, breach of trust, misappropriation, cheating or for any other such reason of its users or of third parties including but not limited to loss of profits and loss of goodwill or loss of interest.

Third Party Links

References to third party products or services in our Site may be copyrighted by their respective owners. Canopi neither approves nor endorses these third party products or services and is not responsible for the content or accuracy of any material on any third party sites linked from our Site.

Non-transferable

The Terms mentioned here and agreed upon by you is not transferrable to any other person.

Legal Compliance

The Terms mentioned here are subject to the laws in India. All claims, matters and disputes are subject to the exclusive jurisdiction of the competent courts in Bangalore only.

Disclaimer

Due to limitations of some of the technologies that we use which includes but not limited to SMS, Canopi does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted to your device. We make no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage incurred by you or by any person resulting from your usage of our Service. Without limitation to the other provisions of this agreement, Canopi, our employees, agents or contractors, shall not be liable for any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profits, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, that you may suffer, arising from or relating to any delay, interruption, suspension, resolution of error in our Service in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction or error in the transmission of any information or message to and from your telecommunication equipment and our Service.