Terms of Service

1. Agreement to Terms

By accessing or using the IRA Score platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

IRA Score is an IPO Readiness Assessment platform designed to help Indian companies evaluate their readiness for listing on BSE/NSE SME exchanges. Our Service includes:

• Preliminary eligibility assessment tools
• Comprehensive IPO readiness scoring
• Financial analysis and recommendations
• Consultation services with our financial experts
• Educational resources about SME exchange listing requirements

3. User Accounts

3.1 Registration

To access certain features of the Service, you may be required to register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept all responsibility for activity that occurs under your account
• Notify us immediately of any unauthorized use of your account

3.2 Account Termination

We reserve the right to suspend or terminate your account at any time for any reason, including violation of these Terms.

4. Acceptable Use

You agree not to use the Service:

• For any unlawful purpose or in violation of any applicable laws
• To transmit any harmful code, viruses, or malware
• To impersonate any person or entity
• To interfere with or disrupt the Service or servers
• To collect or harvest any personally identifiable information
• To engage in any automated use of the system
• To upload or transmit false or misleading information

5. Intellectual Property Rights

5.1 Our Content

The Service and its original content, features, and functionality are owned by IRA Score Financial Services and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

5.2 Your Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and display such content for the purpose of providing the Service.

6. Financial Disclaimer

You should consult with qualified professionals including chartered accountants, lawyers, and investment bankers before making any decisions regarding IPO listing. Past performance and assessments do not guarantee future results.

7. Limitation of Liability

To the maximum extent permitted by law, IRA Score Financial Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

• Loss of profits, revenue, or data
• Business interruption
• Loss of goodwill or reputation
• Cost of substitute services

Our total liability to you for all claims arising from the use of the Service shall not exceed the amount you paid us in the twelve (12) months prior to the claim.

8. Indemnification

You agree to indemnify, defend, and hold harmless IRA Score Financial Services, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of the Service or violation of these Terms.

9. Third-Party Services

Our Service may contain links to third-party websites or services that are not owned or controlled by IRA Score. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

10. Confidentiality

We understand that the financial information you share with us is highly confidential. We commit to:

• Maintaining strict confidentiality of all client information
• Not sharing your data with unauthorized third parties
• Implementing industry-standard security measures
• Using your information solely for the purpose of providing our Service

For more details, please refer to our Privacy Policy.

11. Service Modifications

We reserve the right to modify or discontinue the Service (or any part thereof) at any time with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in New Delhi, India.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by:

• Posting the new Terms on this page
• Updating the "Last updated" date
• Sending an email notification (for material changes)

Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

15. Contact Information

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