Terms and Conditions

Terms & Conditions

Last Updated: 06 October 2025

Welcome to HamroNiti. These Terms & Conditions (“Terms”) govern your access to and use of our website, applications, and related services (collectively, “Services”). By using our Services, you agree to these Terms. If you disagree, you should not use the Services.

1. Definitions

  • “We,” “us,” “our,” “HamroNiti” refers to the owner/operator of the Services.
  • “You,” “your,” “User” refers to any individual or entity accessing or using our Services.
  • “Content” includes text, images, videos, audio, data, and other materials made available via the Services.
  • “User Content” content submitted, posted, uploaded, or shared by you (e.g. comments, feedback, posts).

2. Use of Services

  1. Eligibility. You must be at least 16 years old (or the age of legal majority in your jurisdiction) to use our Services.
  2. Account Registration. To access certain features, you may register an account. You are responsible for maintaining the confidentiality of your login credentials.
  3. Prohibited Uses. You may not use the Services to:
    • Violate any laws or regulations;
    • Infringe intellectual property or privacy rights;
    • Upload viruses or malicious code;
    • Harass, defame, or threaten others;
    • Disrupt or interfere with the operation of the Services;
    • Use automated tools or scrapers unless permitted by us.

3. Intellectual Property

  • All content provided by HamroNiti (text, graphics, logos, designs) is owned or licensed by us and is protected by copyright, trademark, and other intellectual property laws.
  • You may view, download, or print materials for your personal, non-commercial use only.
  • You must not reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit our content without our prior written permission.

4. User Content

  • You retain ownership of your User Content, but by posting it on our platform, you grant us a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, distribute, edit, and otherwise exploit it in connection with our services.
  • You represent and warrant that:
    1. You own or have the necessary rights to grant us the license to your User Content.
    2. Your content does not violate any laws or third-party rights.
  • We reserve the right, but not the obligation, to remove or disable access to any User Content that violates these Terms or is otherwise objectionable.

5. Privacy

  • Our collection and use of personal data is governed by our Privacy Policy (which should be linked here). By using our Services, you agree to the terms of that policy.
  • We may collect information such as name, email, contact details, usage data, cookies, etc.

6. Disclaimers & Warranties

  • The Services are provided “as is” and “as available,” without warranties of any kind (express or implied).
  • We do not warrant that the Services will be uninterrupted, error-free, secure, or free of harmful components.
  • We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability

  • To the maximum extent permitted by law, HamroNiti, its affiliates, directors, employees, or agents will not be liable for:
    • Any indirect, incidental, special, consequential, or punitive damages;
    • Any loss of profits, data, or business interruption;
    • Any errors or omissions in content or delays or failures in performance.
  • Our total liability for direct damages under these Terms shall not exceed the amount paid (if any) by you to us in the past 12 months (or a nominal amount, e.g. NPR 1, where no payment was made).

8. Indemnification

You agree to defend, indemnify, and hold harmless HamroNiti, its officers, directors, employees, agents, from and against all claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or in connection with:

  • Your use of the Services;
  • Your User Content;
  • Your violation of these Terms or any applicable laws.

9. Third-Party Links & Services

  • The Services may contain links to third-party websites, resources, or services. We are not responsible for the availability or content of those third parties.
  • Your interactions with third parties are directly between you and them. You assume all risk in such cases.

10. Termination & Suspension

  • We may suspend or terminate your account and access to the Services at our discretion, with or without cause, notice, or liability.
  • Upon termination, your rights under these Terms immediately cease. Provisions that by their nature should survive (e.g. Intellectual Property, Limitation of Liability, Indemnification) will continue to apply.

11. Changes to Terms

  • We may revise or update these Terms from time to time. We will notify you of material changes (e.g., by posting a notice in our Services or sending email).
  • Continued use of the Services after changes means you accept the new Terms.

12. Governing Law & Dispute Resolution

  • These Terms are governed by and construed in accordance with the laws of Nepal.
  • Any dispute arising under or relating to these Terms shall be resolved through:
    1. Good-faith negotiations; or
    2. If unresolved, by courts or arbitration in Bhairahawa.

13. Miscellaneous

  • Severability. If any provision of these Terms is found invalid or unenforceable, the remainder shall remain in full force.
  • Waiver. A waiver by us of any right or remedy under these Terms shall not constitute a waiver of any other right or remedy.
  • Entire Agreement. These Terms (plus any linked policies) constitute the entire agreement between you and HamroNiti regarding the Services.
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