rubapay.com
a. Acceptance of these Terms and Conditions.
The Terms and Conditions govern any individual or entity (also referred to as “User,” “You,” or “Your”) accessing this Website, utilizing this Website, app and the Services mentioned hereunder. By using this Website or any Ruba service, you accept the Terms and Conditions (“T&Cs”) mentioned hereinafter in full and a contractual relationship is established between you and Ruba Website Design and Management Limited Liability Company (“Ruba,” “We,” “Us,” “Our,” “Company,” “Platform,” “Site,” or “Website”). These T&Cs govern your access and use of the Website, including any content, functionality, and services offered on or through https://rubapay.com/ whether as a guest or a registered user. If you disagree with these T&Cs or any part of these T&Cs you must not use this Website or any of its services.
Please read these T&Cs carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms and Conditions when this option is made available to you, you accept and agree to be bound and abide by these Terms and Conditions and our Privacy Policy, found at https://rubapay.com/privacy.html, incorporated herein by reference. If you do not agree to these Terms and Conditions or the Privacy Policy, you must not access or use the Website.
b. Changes to the Terms of Use
Some Services offered through our Platform may be subject to additional or amended T&Cs that we publish from time to time. Any amendment to these T&Cs is subject to your prior written consent and approval. >
Our Platform offers sharia compliant financing plans, in partnership with Islamic financing companies, which allows you to make installment payments of your child’s tuition. (“Services”).
d. Accessing the Website and Account Security
We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
· Making all arrangements necessary for you to have access to the Website.
· Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.
You also agree that we or third parties acting on our behalf may send you emails regarding important information like your use of the Website and other electronic communications such as newsletters, promotional materials, etc. You may opt out of receiving promotional messages.
e. Intellectual Property Rights
· Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
· You may store files that are automatically cached by your Web browser for display enhancement purposes.
· You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
· If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.
· If we provide social media features or links to social media with certain content, you may take such actions as are enabled by such features.
· Modify copies of any materials from this site.
· Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.
· Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.
If you wish to make any use of material on the Website other than that set out in this section, please address your request to: [email protected].
· In any way that violates any applicable local, or international law or regulation (including, without limitation, any laws regarding the export of data or software).
· For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
· To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set out in these Terms and Conditions.
· To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
· To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
· To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website, or expose them to liability.
Additionally, you agree not to:
· Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Website, including their ability to engage in real time activities through the Website.
· Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
· Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms and Conditions, without our prior written consent.
· Use any device, software, or routine that interferes with the proper working of the Website.
· Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
· Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
· Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
· Otherwise attempt to interfere with the proper working of the Website.
h. Monitoring and Enforcement; Termination
· Remove or refuse to post any User Contributions for any or no reason in our sole discretion.
· Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for the Company.
· Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
· Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website.
· Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms of Use.
However, we cannot review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
· Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
· Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
· Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
· Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms and Conditions and our Privacy Policy [https://rubapay.com/privacy.html].
· Be likely to deceive any person.
· Promote any illegal activity, or advocate, promote, or assist any unlawful act.
· Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
· Impersonate any person, or misrepresent your identity or affiliation with any person or organization.
· Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.
· Give the impression that they emanate from or are endorsed by us or any other person or entity if this is not the case.
k. Reliance on Information Posted
l. Changes to the Website and Platform
m. Information About You and Your Visits to the Website
n. Linking to the Website and Social Media Features
This Website may provide certain social media features that enable you to:
· Link from your own or certain third-party websites to certain content on this Website.
· Send emails or other communications with certain content, or links to certain content, on this Website.
· Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.
· Establish a link from any website that is not owned by you.
· Cause the Website or portions of it to be displayed on, or appear to be displayed by, any other site, for example, framing, deep linking, or in-line linking.
· Link to any part of the Website other than the homepage.
· Otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms and Conditions.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
t. Governing Law and Jurisdiction
This website is operated by Ruba Website Design and Management Company LLC.
All notices of copyright infringement claims should be sent to [email protected] in the manner and by the means set out therein.
All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: [email protected]
B. Additional Terms and Conditions for Rubapay Users
a. Disclaimer
PLEASE READ THESE ADDITIONAL TERMS AND CONDITIONS CARFEULLY. >
By utilizing our services, you agree and understand that you are providing personal, confidential, and sensitive information to us, third party lenders, and possibly other entities as may be reasonably required to provide you with the services offered on this Platform. Sensitive information that you provide can include but is not limited to income verification, income statements, employment verification, and photo identification. You also agree to and consent to credit checks by lenders, if applicable. >
You also agree that if you obtain lending services from one of our third party lenders, you are hereby bound by that lenders Terms and Conditions, Terms of Use, Terms of Service, and any financing agreement entered into between you and a third party lender. >
The entirety of these Terms and Conditions along with these Additional Terms and Conditions apply to you and are agreed to by you. If you do not agree to our Terms and Conditions and these Additional Terms and Conditions, you may not utilize this Platform, Ruba Website, Rubapay, or any other services provided by Ruba. >
b. Signing up
You are required to sign up and register as a user on our Website in order to take advantage of Ruba’s financing Platform. You agree to abide by the account rules and take further precautions to protect your information as outlined in the Terms and Conditions and our Privacy Policy. >
c. RUBA User Information and Consent to Share with Third Parties
You are solely responsible for the information you provide or upload to access the Website to avail the Services and warrant and represent that you have the right and authorization to register with us to avail the Services. We reserve the right at our sole discretion to decide whether the information you provide or upload is appropriate and complies with these Terms and Conditions, Additional Terms and Conditions, other Company policies, and applicable laws and regulations. >
Upon sign up, you will be asked to provide certain information including but not limited to demographic details of the child, academic details of the child, valid email address, and phone number. >
In order to apply and obtain financing you will be asked to provide personal financial information that may include but is not limited to banking and bank account information, financial history, employment information, credit history, and identification. >
You warrant and represent that all such information is current, accurate, and that you keep any documentation submitted up-to-date. >
You consent to sharing the above information with lenders and understand that such information is required to obtain financing from a lender. >
d. Financing services through third party lenders
Ruba helps you find an appropriate financing company (or “lender,” “financial institution,” or “third party lender”) who will advance the cost of tuition to your child’s educational institution (or “school”). You can apply for financing through the Ruba Platform. >
Subject to financing approval and execution of a financing agreement between you and the lender, the lender will pay the amount of tuition directly to the school. It would then be your responsibility to reimburse the lender subject to the repayment terms between you and the lender. >
Overview of Application and Financing Process:
· Applicants apply for financing through the Ruba Platform. Applicants submit their application along with supporting documents which a lender will use to evaluate an applicant’s qualification for financing. >
· Ruba submits the application to one or more of its approved lenders who reviews the application and document submissions. You will receive mail or SMS communication on the status of your loan within 7-10 working days. You may also check the status of your application via our dashboard. >
· If approved for financing, the lender communicates with the school regarding tuition cost and the applicant’s financing request. >
· Once all parties agree to financing, the applicant must confer with the lender and execute a repayment agreement between the applicant and lender. >
· The lender then directly pays the school the cost of tuition. >
· You make payments to the lender in accordance with your agreement between with the lender. >
NOTE: Acceptance or rejection of your loan application is at the sole discretion of the financing company based upon your eligibility and assessment of (including but not limited to) credit scores, income, employment history, or other information reasonably required to obtain financing approval.
Ruba does not make any guarantees, representations, warranties, or promises with respect to acceptance of your application with any financing Company and you agree that Ruba has no liability to any claims alleged by you in relation to the use of the Ruba Platform.
e. Financial Obligations
You understand and agree that financing approval is contingent upon you executing a repayment agreement between you and a third party lender. You will be bound by any terms and conditions of the lender and such obligations have no bearing or responsibility placed on Ruba. Agreements between you and a lender may not contradict or supersede any Terms and Conditions of Ruba. If so, such contradictions shall be deemed invalid. Ruba will not be responsible or involved in any disputes between you and a lender. As further stated herein, you agree to hold harmless and indemnify Ruba from any claims you may have against a lender and any claims a lender may have against you. >
f. User Representations and Warranties
You agree that information and documentation you provide in applying for financing is true, accurate, and contains no false or misleading information. You further agree that information and documentation you provide will not violate the rights or privacy of another party and you have a legal right to submit documents and apply for financing. >
g. Disclaimer of warranties and limitation of liability
Ruba makes no representations or warranties of any kind, express or implied, with respect to the application for financing, the relationship or dealings between you and the lender, the relationship or dealings between you and the educational institution, or the relationship between the lender and educational institution. >
Ruba’s role is to forward your application and supporting documents to an appropriate financing company. Ruba does not guarantee acceptance of your application. You agree Ruba is not liable for acceptance or rejection of the application. Any dispute between you and the financing company should be settled consistent with terms of the agreement between you and the financing company and you agree to hold harmless and indemnify Ruba for and disputes arising between you, the lender, or the educational institution. >
Ruba disclaims all warranties, express or implied, with respect to usage of our financing Platform and application process. We further disclaim any warranty with respect to performance of financing companies, their terms of any agreement with you, their employees, subsidiaries, affiliates, or partners. >
To the maximum extent permitted by applicable law, Ruba assumes no liability or responsibility for any errors, mistakes, or inaccuracies of content displayed on the Website or submitted to the lender on your behalf. >
YOU UNDERSTAND AND AGREE THAT RUBA AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DAMAGES CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OF TRANSMISSION, COMPUTER VIRUS, OR EQUIPMENT OR NETWORK FAILURE WHATSOEVER AND THAT RUBA AND ITS AFFILIATES WILL NOT BE LIABLE WHATSOEVER FOR ANY DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE CONTENT ON THE SITE. >
C. Additional Terms of Use and Service for Participating Third Party Lenders
a. Disclaimer
PLEASE READ THESE ADDITIONAL TERMS AND CONDITIONS CARFEULLY. >
The entirety of these Terms and Conditions along with these Additional Terms and Conditions apply to you and are agreed to by you. More specifically, the entirety of Section A “Terms of Use and Services” set forth above also applies to Third Party Lenders. >
If you do not agree to our Terms and Conditions and these Additional Terms and Conditions, you may not utilize this Platform, Ruba Website, Rubapay, or any other services provided by Ruba. >
b. Definitions and inclusion by reference
For purposes of this subsection (including Section A “Terms of Use and Services”) and to avoid ambiguity, “You” (or any reflexive version of “you”) shall refer to participating financing companies (or “financial institution,” “lender,” or “third party lender”). All other definitions have same intended meaning as set forth in the general provisions of these Terms and Conditions. >
These Terms of Use and Service for lenders hereby incorporate the entirety of these Terms and Conditions as set out above and lender agrees and understands that it is not only bound to by this subsection, but the entirety of these Terms and Conditions as a whole, including any references to Ruba’s Privacy Policy. >
c. Signing Up
You have an obligation to undertake the same duties to protect any login and password information used to access Ruba’s Platform and services as outlined elsewhere in these Terms and Conditions as a whole. >
d. Marketing, advertising, and limited relationship
You and Ruba grant one another royalty-free, non-exclusive, limited, revocable, and non-transferable right and license to use and display one another’s content, where applicable, in advertising or promoting the relationship between the parties and services that each party offers. >
Neither party shall represent or warrant that it is an employee, officer, or subsidiary of the other. The relationship between the parties is limited, and one party will not be liable for any wrongdoing, negligence, or breach of these Terms and Conditions, Terms of Use, or Privacy Policy of the other party. >
e. Fees
To be addressed in separate financing agreements with lenders. >
f. RUBA Services
You agree and understand that Ruba services connect you, parents/guardians, and educational institutions for the purpose of providing parents/guardians access to your loans. You understand and agree that Ruba will not be a party to any claims or liabilities that you may have against a borrower or educational institution, or any claims bought against you by same. >
g. Reports, dashboards, and privacy
You will have access to dashboards and reports with respect to confidential, personal, and sensitive information regarding loan applicants and access to documents relating to same. Access to such information is confidential and you agree to take efforts consistent with best businesses practices and in compliance with relevant laws to keep applicant information protected and private. You agree to hold harmless and indemnify Ruba for any data breaches caused as a result of any failures to protect sensitive information caused by you. >
h. Representations and Warranties
You understand that we cannot and do not guarantee or warrant that files available for downloading, from the internet, Ruba users, or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW
D. Additional Terms of Use and Service for participating educational institutions
a. Disclaimer
PLEASE READ THESE ADDITIONAL TERMS AND CONDITIONS CARFEULLY. >
The entirety of these Terms and Conditions along with these Additional Terms and Conditions apply to you and are agreed to by you. More specifically, the entirety of Section A “Terms of Use and Services” set forth above also applies to educational institutions. >
If you do not agree to our Terms and Conditions and these Additional Terms and Conditions, you may not utilize this Platform, Ruba Website, Rubapay, or any other services provided by Ruba. >
b. Definitions and inclusion by reference
For purposes of this subsection (including Section A “Terms of Use and Services”) and to avoid ambiguity, “You” (or any reflexive version of “you”) shall refer to participating educational institutions (or “schools”). All other definitions have same intended meaning as set forth in the general provisions of these Terms and Conditions. >
These Terms of Use and Service for schools hereby incorporate the entirety of these Terms and Conditions as set out above and you agree and understand that you are not only bound to by this subsection, but the entirety of these Terms and Conditions as a whole, including any references to Ruba’s Privacy Policy. >
c. Signing Up
You have an obligation to undertake the same duties to protect any login and password information used to access Ruba’s Platform and services as outlined elsewhere in these Terms and Conditions as a whole. >
d. Marketing, advertising, and limited relationship
You and Ruba grant one another royalty-free, non-exclusive, limited, revocable, and non-transferable right and license to use and display one another’s content, where applicable, in advertising or promoting the relationship between the parties and services that each party offers. >
Neither party shall represent or warrant that it is an employee, officer, or subsidiary of the other. The relationship between the parties is limited, and one party will not be liable for any wrongdoing, negligence, or breach of these Terms and Conditions, Terms of Use, Terms of Use, or Privacy Policy of the other party. >
e. Fees
To be addressed in separate agreements with educational institutions. >
f. RUBA Services
You agree and understand that Ruba services connect you, parents/guardians, and lenders for the purpose of providing parents/guardians access to loans. You understand and agree that Ruba will not be a party to any claims or liabilities that you may have against a borrower or lender, or any claims brought against you by same. >
g. Reports, dashboards, and privacy
You will have access to dashboards and reports with respect to confidential, personal, and sensitive information regarding parents/guardians and access to documents relating to same. Access to such information is confidential and you agree to take efforts consistent with best businesses practices and in compliance with relevant laws to keep information protected and private. You agree to hold harmless and indemnify Ruba for any data breaches caused as a result of any failures to protect sensitive information caused by you. >
h. Representations and Warranties
You understand that we cannot and do not guarantee or warrant that files available for downloading, from the internet, Ruba users, or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT. >
YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. >
TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE. >
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. >
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. >
Ruba aims to make quality education accessible to all