Qira ("Omigoe Inc.", "we", "us" and terms of similar meaning) provides this web site (in these terms we call this site and any successor websites, and any software provided by Qira for use with the site, the "Site") to
you subject to these terms and conditions of use (these "Terms"). Please read these Terms carefully before using the Site. By accessing or using the Site or by merely browsing the Site you agree to be legally bound by these Terms and
all terms, policies and guidelines incorporated by reference in these Terms. If you do not agree with these Terms in their entirety, you may not use the Site.
This Site is not intended to be used by children. You must be at least of the age of majority to use this Site.
In these Terms, our applicants who apply for a lease guarantee are called "Applicants", and the property professionals who use the Site (for example, to assist an Applicant with their application) are called "Brokers". In these Terms
users of the Site, whether they are Applicants, Brokers, members of the Qira forum, people who post comments on the Qira blog, or casual browsers of the Site, are called "Users".
Qira reserves the right to change or modify any of the terms and conditions contained in these Terms, or any policy or guideline of the Site, at any time and in its sole discretion. If we do so, we will notify you at the email
address you provide in your registration information, if any. If you do not agree with the changes, you can cancel your account with us without further obligation, except for the amount due for the balance of the billing period in
which you cancel your account (if your billing period is monthly, we will prorate your account to the nearest month-end after cancellation). Unless otherwise specified, any changes or modifications will be effective immediately upon
posting of the revisions on the Site, and your continued use of the Site after such time will constitute your acceptance of such changes or modifications. You should from time to time review the Terms and any policies and documents
incorporated in them to understand the terms and conditions that apply to your use of the Site. The Terms will always show the 'last updated' date at the top. If you do not agree to any amended Terms, you must stop using the Site. If
you have any questions about the Terms, please email us at firstname.lastname@example.org.
The services we provide through the Site are for your own use only. You may not resell, lease or provide them in any other way to anyone else.
2. Registration Data; Account Security
If you register for an account on the Site, you agree to (a) provide accurate, current and complete information as may be prompted by any registration forms on the Site ("Registration Data"); (b) maintain the security of your
password; (c) maintain and promptly update the Registration Data, and any other information you provide to Qira, and to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration
Data and any other information you provide to Qira. You are responsible for all activity on your Qira account, and for all charges incurred by your Qira account.
3. Collecting your information
We collect information about you in a number of ways:
information you provide to us through our websites and applications;
information you provide through communications with us; and
from outside sources such as banks, credit bureaus and customer service providers to help us with customer verification and credit-related decisions.
In addition to the personal and financial information you submit (or we collect), we may collect information about your computer including, where available, your IP address, operating system and browser type – for the purposes of
system and loan administration and product improvement.
4. Services: Fees; Charges; Taxes
Joining Qira and applying for our services is free. Fees will be charged for the use of our products and services and charged accordingly. These include the handling of payments and repayments as well as underwriting and monthly fees for the provision
of our services. If they do change, your continued use of the Site after the change indicates your agreement with the new fees and charges after the effective date of the change.
Unless otherwise stated, all fees are quoted in U.S. Dollars. You are responsible for paying all fees and applicable taxes associated with the Site in a timely manner with a valid payment method. If your payment method fails or your
account is past due, we may collect fees owed using other collection mechanisms. (This includes charging other payment methods on file with us, retaining collection agencies and legal counsel.
Qira makes no assurances that it will provide any coverage. Any credit service of this sort is subject to a review process. This review process includes an assessment of the borrower's credit history, validation of the quality
of the borrower’s bank account, review of the completeness and accuracy of the application form, assessing the possibility of collusion between the Applicant and Broker, evaluating the possibility of general fraudulent activity and
any other such steps that satisfy the management of the Qira website that the application meets minimum approval requirements. These steps and requirements may change from time to time.
The Qira service is 100% satisfaction guaranteed or your money back no questions asked. Qira will review each refund request manually. Refunds may take up to 30 business days to take effect.
5. Ownership, Copyright and Trademarks
Content provided by Users, whether they are Applicants, Brokers or other Users, is called "User Content". Other than the User Content, the Site, all Content and all software available on the Site or used to create and operate the Site
is the property of Qira or its licensors, and is protected by United States and international copyright laws, and all rights to the Site, such Content and such software are expressly reserved. All trademarks, registered
trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer,
supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by Qira.
We do not claim any ownership interest in your User Content, but we do need the right to use your User Content to the extent necessary to operate the Site, and provide the services provided by the Site, now and in the future. In the
section below, we list the reasons financial companies can share their customers' personal information; the reasons Qira chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Qira share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes - to offer our products and services to you
For joint marketing with other companies
We don't share
6. Our Limited License of Content to You
Qira grants you a limited, revocable, non-exclusive, non-sub license to access the Site and to view, copy and print the portions of the Content available to you on the Site. Such license is subject to these Terms, and
specifically conditioned upon the following: (i) you may only view, copy and print such portions of the Content for your own use; (ii) you may not modify or otherwise make derivative works of the Site or the Content, or reproduce,
distribute or display the Site or any Content (except for page caching) except as expressly permitted in these Terms; (iii) you may not remove or modify any copyright, trademark, or other proprietary notices that have been placed in
the Content; (iv) you may not use any data mining, robots or similar data gathering or extraction methods; and (v) you may not use the Site or the Content other than for its intended purpose.
Except as expressly permitted above, any use of any portion of the Content without the prior written permission of its owner is strictly prohibited and will terminate the license granted in this Section, this Agreement and your
account with us. Any such unauthorized use may also violate applicable laws, including without limitation copyright and trademark laws. Unless explicitly stated herein, nothing in these Terms may be construed as conferring any license
to intellectual property rights, whether by estoppels, implication or otherwise. The license in this Section is revocable by Qira at any time.
You represent and warrant that your use of the Site and the Content will be consistent with this license and will not infringe or violate the rights of any other party or breach any contract or legal duty to any other parties, or
violate any applicable law.
To request permission for uses of Content not included in this license, you may contact Qira at the address set out at the bottom of these Terms.
7. Use of Interactive Areas and the Site
The Site may contain discussion forums, bulletin boards, review services or other forums in which you or third parties may post reviews or other content, messages, materials or other items on the Site ("Interactive Areas"). If
Qira provides such Interactive Areas, you are solely responsible for your use of such Interactive Areas and use them at your own risk. User Content submitted to any public area of the Site will be considered non-confidential.
By using any Interactive Areas, you expressly agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:
Any message, data, information, text, music, sound, photos, graphics, code or other material that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or
publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;
Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;
Unsolicited promotions, political campaigning, advertising or solicitations;
Private information of any third party, including, without limitation, addresses, phone numbers, email addresses and credit card numbers, unless that third party has expressly consented to such use;
Viruses, corrupted data or other harmful, disruptive or destructive files;
Content that is unrelated to the topic of the Interactive Area(s) in which such Content is posted; or
Content that, in the sole judgment of Qira, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or which may expose Qira or its affiliates or its
users to any harm or liability of any type.
Finally, Qira has a "zero-tolerance" policy towards SPAM: you may not use the Interactive Areas or the Site generally to send commercial or other messages to any third-party if those messages are not solicited, authorized or
welcomed by the third-party, and in your use of the Site you must comply with all applicable laws, including laws that apply in any jurisdiction to SPAM and marketing practices, and with any applicable marketing association guidelines
on ethical marketing practices.
Any use of the Interactive Areas or other portions of the Site in violation of the foregoing violates these Terms and may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the
8. Providing a Reliable and Secure Service
If you have spent any time reviewing the Site, you will hopefully have noticed that we take reliability and security seriously. We put a great deal of effort into ensuring that our service operates all the time, and that it is a
secure environment for your data. We use what we believe to be "best-of-class" hosting services and security technologies and services that we believe provide you with a secure and safe environment. More information about these
services and technologies is available on the Site.
For example, Qira does not store credit card information. However, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting services, internet intermediaries, your
internet service provider, and other service providers cannot be assured. When you use Qira, you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability.
When storing credit card information on Qira, Applicants acknowledge that they are aware of, and accept as satisfactory, Qira' credit card protection procedures. Ultimately, credit card data is provided by Applicants and
their Brokers, and they are responsible for its protection.
9. Links to Other Sites
The Site may contain links to third-party Web sites ("Third-Party Sites") and third-party content ("Third-Party Content") as a service to those interested in this information. Third-Party Sites include payment processors, bank data
aggregators and other payment intermediaries that may be accessed in connection with your use of the Site. Third-Party Content include email providers and social networks. Qira does not monitor or have any control over, and
makes no claim or representation regarding, Third-Party Content or Third-Party Sites. Qira provides these links only as a convenience, and a link to a Third-Party Site or Third-Party Content does not imply Qira'
endorsement, adoption or sponsorship of, or affiliation with, such Third-Party Site or Third-Party Content. Qira accepts no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or
reliability of, Third-Party Content, Third-Party Sites, or Web sites linking to the Site. When you leave the Site, our terms and policies no longer govern. You should review applicable terms and policies, including privacy and data
gathering practices, of any Third-Party Site, and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.
10. Advertisements and Promotions
Qira may run advertisements and promotions from third parties on the Site. Qira is not responsible or liable for any loss or damage of any sort incurred as the result of the presence of third-party advertisers on the
11. Warranty Disclaimer
The Site, the Content and the services provided by the Site are provided to you on an "as is" basis without warranties from Qira of any kind, either express or implied. Qira expressly disclaims all other warranties,
express or implied, including without limitation implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. Qira does not represent or warrant that Content is accurate, complete,
reliable, current or error-free, and expressly disclaims any warranty or representation as to the accuracy or proprietary character of the Site, the Content or any portion thereof. While Qira attempts to make your access to and
use of the Site safe, Qira does not represent or warrant that the Site or any Content are free of viruses or other harmful components.
12. Limitation of Liability; Indemnity
You waive and shall not assert any claims or allegations of any nature whatsoever against Qira, its affiliates or subsidiaries, their sponsors, contractors, advertisers, vendors or other partners, any of their successors or
assigns, or any of their respective officers, directors, agents or employees (collectively, the "Released Parties") arising out of or in any way relating to your use of the Site or the Content, including, without limitation, any
claims or allegations relating to the alleged infringement of proprietary rights, alleged inaccuracy of Content, or allegations that any Released Party has or should indemnify, defend or hold harmless you or any third party from any
claim or allegation arising from your use or other exploitation of the Site. You use the Site at your own risk.
Without limitation of the foregoing, neither Qira nor any other Released Party shall be liable for any direct, special, indirect or consequential damages, or any other damages of any kind, including but not limited to loss of
use, loss of profits or loss of data, whether in an action in contract, tort (including but not limited to negligence) or otherwise, arising out of or in any way connected with the use of the Site or the Content, including without
limitation any damages caused by or resulting from your reliance on the Site or other information obtained from Qira or any other Released Party or accessible via the Site, or that result from mistakes, errors, omissions,
interruptions, deletion of files or email, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of god, communications failure, theft, destruction or unauthorized
access to Qira or any other Released Party's records, programs or Services.
In no event shall the aggregate liability of Qira, whether in contract, warranty, tort (including negligence, whether active, passive or imputed), product liability, strict liability or other theory, arising out of or relating
to the use of the Site exceed any compensation paid by you for access to or use of the Site during the three months prior to the date of any claim.
You shall defend, indemnify and hold harmless Qira and the other Released Parties from any loss, damages, liabilities, costs, expenses, claims and proceedings arising out of your use of the Site.
Notices that we give you (other than notice of amendment of these Terms, which is discussed in the introduction of these Terms) may be provided in any of the following ways. First, we may email you at the contact information you
provide in your Registration Data. Second, we may post a notice to Applicants and Brokers in the dashboard area of your account on the Site. Third, we may post the notice elsewhere on the Site. When we post notices on the Site, we
post them in the area of the Site suitable to the notice. It is your responsibility to periodically review the Site for notices.
manufacturing and/or marketing or products or services incorporating such information, you acknowledge that Qira can use the User Submissions without acknowledgment or compensation to you, and you waive any claim of ownership
or compensation or other rights you may have in relation to the User Submissions. We actively review User Submissions for new ideas. If you wish to preserve any interest you might have in your User Submissions, you should not post
them to the Site or send them to us.
14. Resolution of Disputes
If a dispute arises between you and Qira, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and Qira agree that we will resolve any claim or controversy
at law or equity that arises out of these Terms or our services (a "Claim") in accordance with one of the subsections below or as we and you otherwise agree in writing. Before resorting to these alternatives, we strongly encourage you
to first contact us directly to seek a resolution through email@example.com. We will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as
alternatives to litigation.
Law and Forum for Disputes - These Terms shall be governed in all respects by the laws of the State of Florida as they apply to Terms entered into and to be performed entirely within Florida between Florida residents, without
regard to conflict of law provisions. You agree that any claim or dispute you may have against Qira must be resolved by a court located Miami, Florida, except as otherwise agreed by the parties or as described in the
Arbitration Option paragraph below. You agree to submit to the personal jurisdiction of the courts located within Miami, Florida for the purpose of litigating all such claims or disputes.
Arbitration Option - For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000, the party requesting relief may elect to resolve the dispute in a cost
effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually
agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall
be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered
by the arbitrator may be entered in any court of competent jurisdiction.
Improperly Filed Claims - All claims you bring against Qira must be resolved in accordance with this Resolution of Disputes Section. All claims filed or brought contrary to the Resolution of Disputes Section shall be
considered improperly filed. Should you file a claim contrary to the Resolution of Disputes Section, Qira may recover attorneys' fees and costs up to $1000, provided that Qira has notified you in writing of the
improperly filed claim, and you have failed to promptly withdraw the claim.
15. Termination/Modification of License and Site Offerings
Notwithstanding any provision of these Terms, Qira reserves the right, without notice and in its sole discretion, without any notice or liability to you, to (a) terminate your license to use the Site, or any portion thereof;
(b) block or prevent your future access to and use of all or any portion of the Site or Content; (c) change, suspend or discontinue any aspect of the Site or Content; and (d) impose limits on the Site or Content.
16. Inactive Accounts; Termination of Agreement
If your account is inactive for at least 1 year, we may deactivate your account. Deactivated accounts are not deleted, they are placed in storage and can be restored. We will notify you by email if we decide to deactivate your
account. If you know in advance that your account will be inactive at some time and don't want us to deactivate it, let us know in advance at the support email address on the Site. If after your account has been deactivated it stays
inactive and we don't hear from you, we may terminate it at any time and without notice. You and Qira may terminate these Terms and your use of the Site at any time. When your Qira account is terminated, your User
Content will, shortly thereafter, not appear on the Site, except for User Content submitted to our forum or comments on our blog, which may remain on the Site after termination. We may also retain an archival copy of your User Content
after termination, and you hereby grant us a non-exclusive, perpetual, irrevocable license to maintain such archival copy for our internal business purposes.
If these Terms expire or terminate for any reason, any representation or warranty you make in these Terms, shall survive indefinitely.
If any provision of these Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining
provisions. Qira may assign any or all of its rights hereunder to any party without your consent. You are not permitted to assign any of your rights or obligations hereunder without the prior written consent of Qira, and
any such attempted assignment will be void and unenforceable. These Terms constitute the entire agreement between you and Qira regarding your use of the Site, and supersede all prior or contemporaneous communications whether
electronic, oral or written between you and Qira regarding your use of the Site. The parties confirm that it is their wish that these Terms, as well as any other documents relating to this Terms, including notices, have been
and shall be drawn up in the English language only.
Qira. is located at 68 Jay St, Brooklyn, NY 11201. If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. In our sole
discretion, we may assign these Terms in accordance with the Notices Section. Headings are for reference purposes only and do not limit the scope or extent of such section. Our failure to act with respect to a breach by you or others
does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee we will take action against all breaches of these Terms.
We may amend these Terms at any time by posting the amended terms on this Site. Except as stated elsewhere, all amended terms shall automatically be effective 30 days after they are initially posted. Additionally, we will notify you
through the Qira Message System. These Terms may not be otherwise amended except in a writing signed by you and us. These Terms sets forth the entire understanding and Terms between us with respect to the subject matter hereof.
The following Sections survive any termination of these Terms: Fees and Services (with respect to fees owed for our services), Release, Content License, Liability, Indemnity and Resolution of Disputes.
You may report complaints in writing to our headquarters at 68 Jay St, Brooklyn, NY 11201. You may also contact our customer support at firstname.lastname@example.org.