Last modified: Thursday, 29 March 2018, 9:20 PM

Please read these terms of service carefully because they describe your rights and responsibilities.

1. Acceptance of Terms of Use


This user agreement (Balgra.com account (“Account”) or the Services provided by us on the Site (“Services”), and/or limit access to your funds if you carry out activities which are in contravention of this User Agreement and its associated poser Agreement or “Agreement”) is a contract between you and Balgra. This web, located at Balgra.com is owned and operated by Balgrac Limited, UK. This Terms of Use Agreement states the terms and conditions under which you may access and use the Web site. By accessing and using the Web site you are indicating your acceptance to be bound by the terms and conditions of this Agreement. If you do not accept these terms and conditions, you must not access or use the Web site. If you do not agree to any of these terms and conditions you should immediately cease to use the Site. Please note that we may close, suspend, or limit your access to your policies incorporated by reference Balgra.com may revise this Agreement at any time by updating this posting. Use of the Web site after such changes are posted will signify your agreement to these revised terms. You should visit this page periodically to review this Agreement.

Amendment of User Agreement

Balgra.com may amend or modify this User Agreement in whole or in part from time to time, without notice, by posting an amended User Agreement on the Site or any linked information. Such updated version of the User Agreement will be effective at the time we post it.

2. Eligibility

Balgra.com offers its Services to its Users. We shall have absolute discretion as to whether or not we accept a particular applicant or site for participation in the service. The Site is available only to individuals or corporate entities who can form legally binding contracts under applicable law. There is no any age limit for this site All of you can use it. Each User is responsible for what occurs on their Account and must report any unauthorized use of their Account to us. Before you continue, you should print off or save a local copy of the Universal Terms for your records.

3. Your Responsibilities and Registration Obligations

In order to use this web site, you must register on our site, agree to provide truthful information when requested. When registering, you explicitly agree to your Terms of Use and as may be modified by us from time to time and available here.

4. Privacy Policy

Registration data and other personally identifiable information that we may collect is subject to the terms of our Privacy Policy.

4.1 Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, purchase a service, and in connection with other activities, services, features or resources available at Balgra. Users may be asked for, as appropriate, name, email address, phone number, educational qualification, credit card information. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

If you link the Services to another account such as Google, Twitter, or others (collectively, the “Accounts”), we will access and collect the information that your account allows to be shared (based on your Account privacy settings).

Third Party Accounts: If you decide to link to or authenticate using third-party accounts, we may also collect the identification information required to integrate such accounts as well as the contacts information available on such accounts, including but not limited to the identifiers associated to the social profiles, as permitted by the account privacy settings. For example, if you link your account with your Google account, we may collect information about your Google profile as well as your Google contacts and their profiles.

Your Contacts and Messages: To provide the Services on Balgra mobile apps, we need to have access to and retain your phone number, call logs, text messages (including contents), and contacts information such as names, addresses, photos and phone numbers.

4.2 Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

4.3 How we use collected information

Balgra may collect and use Users personal information for the following purposes:

– To improve customer service

Information you provide helps us respond to your customer service requests and support needs more efficiently.

– Compile Aggregate or De-Identified Information

We may also aggregate and/or de-identify user information for various research, marketing and analytical purposes. For example, if you have granted us access to your email, we may derive aggregate or de-identified information from your email contents, such as purchase patterns. We may also de-identify and aggregate information about contacts patterns or other patterns.

In providing the Services we may create the Email Database (using third-party accounts like google, msn etc), which we use to provide our Services to users.

– To improve our Services

To monitor and analyze usage and trends, to better understand how users access and use our Services, both on an aggregated and individualized basis, in order to improve our Services and respond to user desires and preferences, and develop additional products and services.

We may use feedback you provide to improve our products and services.

– Communicate with You

We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests. Users can always opt in or opt out for email services.

4.4 How we protect your information

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

4.5 Sharing your personal information

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

5. Third Party Services

Goods and services of third parties may be advertised and/or made available on or through this website. Representations made regarding products and services provided by third parties are governed by the policies and representations made by these third parties. We shall not be liable for or responsible in any manner for any of your dealings or interaction with third parties. ANY USE, REPRODUCTION, ALTERATION, MODIFICATION, PUBLIC PERFORMANCE OR DISPLAY, UPLOADING OR POSTING ONTO THE INTERNET, TRANSMISSION, REDISTRIBUTION OR OTHER EXPLOITATION OF THE WEBSITE OR OF ANY CONTENT, WHETHER IN WHOLE OR IN PART, OTHER THAN EXPRESSLY SET OUT HEREIN, IS PROHIBITED WITHOUT THE EXPRESS WRITTEN PERMISSION OF BALGRA.

6. Disclaimer of Warranties

Your understand and agree that your use of this website and any services or content provided (the “service”) is made available and provided to you at your own risk. It is provided to you “as is” and we expressly disclaim all warranties of any kind, implied or express, including but not limited to the warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Accounts

7.1 Opening Account

To become a User and access the Site and Services you must register for an “Account. You agree to provide true, accurate and complete information as prompted by the registration form and all forms you access on the Site, and to update this information to maintain its truthfulness, accuracy and completeness.

7.2 Accounts

You agree that you will not receive interest or other earnings on the funds that Balgra.com handles as your contractor. Balgra.com may receive interest on those funds. Balgra.com will not be liable for any lost interest on such funds.

8. Trademarks

Balgra.com is trademarks of Balgrac Limited.

9. Copyright

9.1 Copyright of Balgra.com

The content and compilation of content included on the Site, such as text, graphics, logos, icons, images, audio clips, digital downloads and software, are the property of Balgra.com and are protected by copyright laws.

9.2 Copyright infringement

It is our policy to respond to clear notices of alleged copyright infringement. Our policy is designed to make submitting notices of alleged infringement to us as straightforward as possible while reducing the number of notices that we receive that are fraudulent or difficult to understand or verify.

10. General

The provisions of this User Agreement are severable, and if any provision of this Agreement is held to be invalid or unenforceable, such provision may be removed and the remaining provisions will be enforced. This Agreement may be assigned by Balgra.com to a third party without your consent in the event of a sale or other transfer of some or all of the assets of Balgra.com. In the event of any sale or transfer you will remain bound by the User Agreement. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to an anticipated or actual breach by you or others does not waive our right to act with respect to subsequent or similar breaches. Nothing in this clause shall exclude or restrict your liability arising out of fraud or fraudulent misrepresentation.

11. Cancellation & Refund Policy

Once you have made a purchase of Balgra services via Balgra payment gateway, you have 3 calendar days to cancel the services. To be eligible for a cancellation or a respective service, you should have attempted less than 60 questions after activation of services. You need to send a written cancellation request on support@Balgra.com. Once we receive your cancellation request, we will inspect it and send an acknowledgement. Once your usage of services is verified (whether it is within the limits quoted above), you will get notified in written. If your cancellation is approved, a refund will be initiated to your banking account (credit card or original method of payment) for which you will receive a notification. The refund shall be credited to your banking account within the stipulated time (days) as per your bank’s policies.

12. Refund Against Damages

In the event of any eventuality, damages, without limitation, incidental or consequential, loss or profit, resulting from use of Balgra site or its contents within the site or elsewhere resulting from the use or inability to use any Balgra site, and the Balgra content , Balgra as per law would on their discreation refund or not refund the services amount so paid by the client.

Balgra undertakes no liability for free services, unless reported by the client for loss by the use of Balgra site within 7 days of payment made to Balgra for its services. Balgra reserves its right to amend / alter or change all or any disclaimers or terms of agreements at any time without any prior notice. All terms/disclaimers whether specifically mentioned or not shall be deemed to be included if any reference is made to them. Also for any reason Balgra is legally liable to refund the amount so paid to Balgra it agrees to refund the damages within 7 days of finalisation of refund amount.

Limitation of Liability

To the fullest extent possible by law, Balgra maximum liability arising out of or in connection with any Balgra site or your use of the Balgra content, regardless of the cause of action (whether in contract, tort, breach of warranty or otherwise), will be limited to the extent of advance paid by the client. Reliability, The Balgra Sites and the Balgra Content may contain inaccuracies or typographical errors. Balgra makes no representations about the accuracy, completeness, or timeliness of any Balgra Site or the Balgra Content. The use of all Balgra Sites and the Balgra Content is at Your own risk. Changes are periodically made to Balgra Sites and may be made at any time. Balgra cannot guarantee and does not promise any specific results from use of any Balgra Site. No advice or information, whether oral or written, obtained by a User from Balgra or through or from any Balgra Site shall create any warranty not expressly stated herein. Balgra gives no guarantee of server uptime or application working properly. Employers are solely responsible for their postings on Balgra Sites. The Company is not to be considered to be an employer with respect to your use of any Balgra Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on any Balgra Site.

Balgra Communities provides a venue for individuals to network for professional and personal purposes and Balgra does not screen or censor the Profiles or User Content on the Balgra Sites. Balgra is not involved in the actual communications between Users. As a result, Balgra has no control over the accuracy, reliability, completeness, or timeliness of the Profiles or User Content submitted on the Balgra Sites and makes no representations about any Profile or User content on the Balgra sites. If You believe that something on the Site violates these Terms please contact our designated agent.

Please Contact Us to report violations of terms and conditions.