Terms of Service

1. Acceptance of Terms

By accessing or using the website, platform, and services of Recur Club (operated by Recur Club Private Limited, a company incorporated under the laws of India) ("Recur Club", "we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use our Services. These Terms constitute a legally binding agreement between you and Recur Club.

2. Description of Services

Recur Club operates an AI-native debt marketplace platform that connects businesses with capital partners for non-dilutive debt financing. Our Services include:

• AI-powered credit assessment and analysis through our proprietary AICA technology
• Matching businesses with suitable lending partners from our network of 100+ capital partners
• Facilitating debt financing transactions including Recurring Revenue Financing, Working Capital Financing, Secured Term Loans, Venture Debt, Invoice Financing, Lease Financing, and Structured Debt
• Providing capital advisory services and financing recommendations
• Access to educational resources, tools, and content related to debt financing

3. Eligibility

To use our Services, you must be at least 18 years of age and have the legal authority to enter into binding contracts. If you are using the Services on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. The entity must be a registered company (Private Limited or LLP) incorporated in India with valid registration documents.

4. User Accounts and Obligations

When using our Services, you agree to:

• Provide accurate, current, and complete information during registration and in all financing applications
• Maintain the security and confidentiality of your account credentials
• Promptly notify us of any unauthorized access to your account
• Not use the Services for any unlawful purpose or in violation of any applicable laws or regulations
• Not submit false, misleading, or fraudulent information in any financing application
• Not attempt to interfere with, compromise, or disrupt the integrity or performance of our platform
• Not reverse engineer, decompile, or disassemble any part of our technology or algorithms
• Comply with all applicable laws, rules, and regulations, including anti-money laundering (AML) and know-your-customer (KYC) requirements

5. Financing Transactions

Recur Club acts as a marketplace and advisory platform connecting businesses with capital partners. You acknowledge and agree that:

• Recur Club is not a lender and does not directly provide financing. All financing is provided by third-party capital partners.
• Submission of a financing application does not guarantee approval or funding. All credit decisions are made by the respective capital partners.
• The terms, conditions, interest rates, and other details of any financing arrangement are determined by the capital partner and are subject to their separate agreements.
• You are responsible for reviewing and understanding all terms of any financing agreement before acceptance.
• Recur Club may receive fees or commissions from capital partners for facilitating transactions.

6. Intellectual Property

All content, features, functionality, trademarks, trade names, logos, and technology associated with our Services — including but not limited to the AICA credit assessment system, platform software, algorithms, design elements, text, graphics, and user interface — are the exclusive property of Recur Club or its licensors and are protected by Indian and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our Services solely for their intended purpose. You may not copy, modify, distribute, sell, or lease any part of our Services or included technology without our prior written consent.

7. Privacy

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Services, you consent to our data practices as described in the Privacy Policy.

8. Disclaimers

Our Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, Recur Club disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any warranty that the Services will be uninterrupted, error-free, secure, or free of viruses or harmful components
• Any warranty regarding the accuracy, reliability, or completeness of any content, information, or credit assessments provided through the platform
• Any warranty that financing applications will be approved or that specific terms will be available

9. Limitation of Liability

To the maximum extent permitted by applicable law, Recur Club and its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, business opportunities, or goodwill, arising out of or in connection with your use of or inability to use our Services, even if we have been advised of the possibility of such damages. Our total aggregate liability for any claims arising under these Terms shall not exceed the fees paid by you to Recur Club in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Recur Club and its directors, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Services, your violation of these Terms, your violation of any applicable law, or any information you submit through the platform.

11. Termination

We may suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease. Any provisions of these Terms that by their nature should survive termination shall continue in effect, including intellectual property provisions, disclaimers, limitations of liability, and indemnification obligations.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any dispute, claim, or controversy arising out of or relating to these Terms or the use of our Services shall be subject to the exclusive jurisdiction of the courts located in New Delhi, India.

Before initiating any formal legal proceedings, both parties agree to attempt to resolve any dispute through good-faith negotiation for a period of at least thirty (30) days. If the dispute cannot be resolved through negotiation, either party may pursue resolution through binding arbitration in accordance with the Arbitration and Conciliation Act, 1996 (as amended), with the seat of arbitration in New Delhi, India.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a revised "Last updated" date. Your continued use of our Services after the effective date of any modifications constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue use of our Services.

14. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Recur Club regarding the use of our Services.
• Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
• Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
• Force Majeure: Recur Club shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including natural disasters, acts of government, or internet disruptions.

15. Contact Us

If you have any questions or concerns about these Terms, please contact us at: