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Terms of Service

Terms of Service

Last Updated: March 15, 2025

1. Introduction

Welcome to Redtab ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of the Redtab platform, including our website, mobile applications, and services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.

2. Description of Service

Redtab provides a credit assessment and financing platform for merchants in Nepal. Our Service uses various data sources, including information you provide directly, third-party integrations, and public data, to assess creditworthiness and determine appropriate credit limits.

3. Third-Party Integrations

3.1 Google Maps API

Our Service integrates with Google Maps Platform APIs to provide location-based services. By using our Service, you agree to be bound by Google's Terms of Service, which can be found at https://cloud.google.com/maps-platform/terms/.

We use Google Maps API to:

  • Search for business locations
  • Retrieve business information and reviews
  • Analyze business reputation and customer sentiment
  • Determine location-based risk factors

3.2 Facebook API

Our Service integrates with Facebook's Graph API to access business page data. By connecting your Facebook account or business page to our Service, you authorize us to access information in accordance with Facebook's Platform Terms, which can be found at https://developers.facebook.com/terms/.

We use Facebook API to:

  • Retrieve business page information and metrics
  • Access business reviews and ratings
  • Analyze engagement and social media presence
  • Receive real-time updates about your business page

3.3 Third-Party Authorization

When you connect third-party accounts (such as Facebook) to our Service:

  • You represent that you have the authority to grant us access
  • You understand that we will access, make available, and store content from those accounts
  • You agree that your use of third-party services is governed by their respective terms and privacy policies

4. User Accounts

4.1 Account Creation

To use certain features of the Service, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

4.2 Account Security

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. We encourage you to use "strong" passwords (passwords that use a combination of upper and lowercase letters, numbers, and symbols) with your account.

5. Data Usage and Privacy

5.1 Data Collection

We collect various types of data to provide our Service, including:

  • Information you provide directly
  • Data from connected third-party services (Google, Facebook, etc.)
  • Business performance metrics
  • Location data
  • Transaction history

5.2 Data Usage

We use the collected data to:

  • Assess creditworthiness
  • Calculate appropriate credit limits
  • Improve our credit assessment algorithms
  • Prevent fraud
  • Comply with legal obligations

For more details on how we collect, use, and protect your data, please refer to our Privacy Policy.

6. Intellectual Property

6.1 Our Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Redtab and its licensors. The Service is protected by copyright, trademark, and other laws.

6.2 Your Content

By submitting content to our Service, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, and distribute your content in any existing or future media.

7. Prohibited Uses

You agree not to use the Service:

  • In any way that violates any applicable law or regulation
  • To impersonate or attempt to impersonate Redtab, a Redtab employee, another user, or any other person
  • To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service
  • To attempt to gain unauthorized access to the Service, other accounts, or computer systems
  • To use the Service for any fraudulent or deceptive purposes

8. Limitation of Liability

In no event shall Redtab, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Nepal, without regard to its conflict of law provisions.

11. Contact Us

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

  • Email: legal@redtab.xyz
  • Address: Kathmandu, Nepal