Effective date: October 18, 2018

Acceptance of Terms of Use

Sernez International Pvt Ltd, “PEERFIN”, “Company” means each and every current and future affiliate of Sernez International Pvt Ltd. Please read these Terms of Use carefully before you start to use the PEERFIN website located at (collectively, “PEERFIN”, “we”, or “us”) and any services made available through PEERFIN. By using PEERFIN, or by clicking the “Sign In”, “I Agree”, “Sign Up” or “Notify me” button, or by using the services, you accept and agree to be bound and abide by these Terms of Use.

If you do not want to agree to these Terms of Use, you must not access or use PEERFIN.

Peerfin provides you with a simple and convenient way to purchase and store digital tokens. These Terms of Use and any terms expressly incorporated herein (“Terms”) apply to your access to and use of Peerfin and mobile applications provided by Peerfin, and the purchase and account services Peerfin as described in these Terms (collectively, our “Services”). Without limitation, our Services do not provide users with the ability to trade digital tokens or any forms of legal tender (e.g.US dollars).
Peerfin reserves the right to change or modify the terms and conditions contained in these Terms, including but not limited to any policy or guideline of the Peerfin, at any time and at its sole discretion. We will provide notice of these changes by posting the revised Terms to the Peerfin and changing the “Last Revised” date at the top of the Terms, or by emailing users at their provided email addresses, or by any other means as determined by Peerfin. The decision of which notification chosen will be left to Peerfin’s sole discretion. Using a particular form of notice in some instances does not obligate us to use the same form in other instances. Any changes or modifications will be effective immediately upon posting the revisions to the Peerfin or at the instant that Peerfin transmits the information to the users (e.g. via email). These changes will apply at that instant to all then current and subsequent uses of the Peerfin. You waive any right you may have to receive specific notice of such changes or modifications.Your continued use of this Peerfin acts as acceptance of such changes or modifications.

If you do not agree to the Terms in effect when you access or use the Peerfin, you must stop using the Peerfin.


Depicted on peerfin.io is a summary of the processes for obtaining a loan or making an investment which are separate and distinct from the purchase or use of Peerfin Tokens. Terms and Conditions Apply. Loans are not made by Peerfin Lending. Peerfin Lending is a Platform. All loans are subject to review and approval. Borrowing against collateral entails risk and may not be appropriate for your needs. Peerfin Lending does not provide legal or tax advice. Please consult your advisor.
Peerfin Lending’s notes are issued pursuant to a Prospectus. You should review the risks and uncertainties described in the Prospectus related to your possible investment in the notes. Not insured; investments may lose value; no Peerfin or bank guarantee.

Peerfin Tokens Disclosure

Interested parties acknowledge that the Peerfin Lending Platform, as described herein, may cease to operate in any capacity and/or may be unable to offer, service, and/or otherwise provide access to products to any Member, User, and/or any other party, person or entity seeking to use the Peerfin Lending Platform. As such, the Peerfin Tokens may have a value of zero. Peerfin Tokens are functional utility smart contracts within the Peerfin Lending Platform. Peerfin Tokens are not securities. Peerfin Tokens are not for speculative investment. No promises of future performance or value are or will be made with respect to Peerfin Tokens, including no promise of inherent value, no promise of continuing payments, and no guarantee that Peerfin Membership Tokens will hold any particular value. Peerfin Tokens are not participation in the Company and Peerfin Tokens hold no rights in said company. Peerfin Tokens are sold as a functional good and all proceeds received by Company may be spent freely by Company absent any conditions. Peerfin Tokens are intended for experts in dealing with cryptographic tokens and blockchain-based software systems.

1. Accessing the Website

You must meet certain eligibility criteria to use Peerfin. By accessing or using Peerfin, you represent and warrant that: (a) you are at least 18 years; (b) have not previously been suspended or removed from using our Services; (c) have full power and authority to enter into this agreement and in doing so will not violate any other agreement to which you are a party; (d) not identified as a "Specially Designated National"; (e) will not use our Services if any applicable laws in your country prohibit you from doing so in accordance with these Terms. Finally, you represent and warrant that you will not be using this site for any illegal activity, including but not limited to money laundering and the financing of terrorism.

2. Registration and Accounts

In order to access and use the Services, you must create an account with Peerfin (an “Account”). You agree to: (a) provide accurate, current and complete information when creating the account; (b) maintain and promptly update your Account information to keep it accurate, complete, and current; (c) maintain the security and confidentiality of your login credentials and restrict access to your Account and your computer; (d) promptly notify Peerfin if you discover or otherwise suspect any security breaches related to Peerfin; and (e) take responsibility for all activities that occur under your Account and accept all risks of unauthorized access.

3. Account Security

We reserve the right to withdraw or amend Peerfin, and any Service or material we provide on Peerfin, in our sole discretion without notice. We will not be liable if for any reason all or any part of Peerfin is unavailable at any time or for any period. From time to time, we may restrict access to users to some parts of Peerfin, to certain Accounts or the whole of Peerfin, including registered users.
You are responsible for:

  • Making all arrangements necessary for you to have access to Peerfin.
  • Ensuring that all persons who access Peerfin through your internet connection are aware of these Terms and comply with them.
  • Maintaining and promptly update your Account information.
  • Maintaining the security of your Account by protecting your password and restricting access to your Account.
  • All activities that occur under your Account and you accept all risks of any authorized or unauthorized access to your Account, to the maximum extent permitted by law.

If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to Peerfin or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms. Peerfin may, in its sole discretion, limit the number of Accounts that you may hold, maintain or acquire.

  • Use our Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying our Services, or that could damage, disable, overburden or impair the functioning of our Services in any manner;
  • Use our Services to pay for, support or otherwise engage in any illegal gambling activities, fraud, money-laundering, or terrorist activities, or other illegal activities;
  • Use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access our Services or to extract data;
  • Use or attempt to use another user's account without authorization;
  • Attempt to circumvent any content filtering techniques we employ, or attempt to access any service or area of our Services that you are not authorized to access;
  • Develop any third-party applications that interact with our Services without our prior written consent;
  • Provide false, inaccurate, or misleading information; and
  • Encourage or induce any third party to engage in any of the activities prohibited under this Section.

4. Digital Token Purchases

This Section applies to: (a) all digital token purchases completed via the Services, and (b) any transaction in which you load fiat or digital currencies ("Funds") at Peerfin’s direction to complete a purchase of digital tokens.
We may, at any time and in our sole discretion, refuse any purchase of digital tokens submitted via the Services, impose limits on the purchase amount permitted via the Services or impose any other conditions or restrictions upon your use of the Services without prior notice.
If you have sent an insufficient amount of Funds at Peerfin’s direction to complete a purchase of digital tokens via the Services, we may cancel the entire order or may fulfill a partial order using the amount of Funds currently available.
It is your responsibility to determine what, if any, taxes apply to the purchases you complete via the Services, and it is your responsibility to report and remit the correct tax to the appropriate tax authority. You agree that Peerfin is not responsible for determining whether taxes apply to your purchases of digital tokens or for collecting, reporting, withholding or remitting any taxes arising from any purchases of digital tokens.

5. Transfer of Funds

In order to complete a purchase of a digital token the Services, you must send Funds to the relevant account or wallet identified by Peerfin using one of the approved external accounts identified via the Services. You may be required to verify that you control the external account that you use to send Funds. You may be charged fees by the external account you use to send Funds. Peerfin is not responsible for any external account fees or for the management and security of any external account. You are solely responsible for your use of any external account, and you agree to comply with all terms and conditions applicable to any external account. The timing associated with a transfer of Funds for a purchase will depend in part upon the performance of third parties responsible for maintaining the applicable external account, and Peerfin makes no guarantee regarding the amount of time it may take to load Funds into your Account.

6. Purchase of Digital Tokens

This Section applies only when you use the Services to purchase digital tokens. You acknowledge and agree that: (a) Peerfin is not acting as your broker, intermediary, agent, or advisor or in any fiduciary capacity, and (b) no communication or information provided to you by Peerfin shall be considered or construed as advice. Once the Services execute your purchase, a confirmation will be electronically made available via the Services detailing the particulars of the purchase of digital tokens. You acknowledge and agree that the failure of the Services to provide such confirmation shall not prejudice or invalidate the terms of such purchase of digital token.

7. Electronic Notices

You agree and consent to receive electronically all communications, agreements, documents, receipts, notices and disclosures (collectively, "Communications") that Peerfin provides in connection with your Account and/or use of the Peerfin Services. You agree that Peerfin may provide these Communications to you by posting them via the Services, by emailing them to you at the email address you provide, and/or by sending an SMS or text message to a mobile phone number that you provide. Your carrier's normal, messaging, data and other rates and fees may apply to any mobile Communications. You should maintain copies of electronic Communications by printing a paper copy or saving an electronic copy. You may also contact us through support email support@peerfin.io to request additional electronic copies of Communications or, for a fee, paper copies of Communications (as described below). You may withdraw your consent to receive electronic Communications by sending a withdrawal notice to support email support@peerfin.io. If you decline or withdraw consent to receive electronic Communications, Peerfin may suspend or terminate your use of the Services. It is your responsibility to keep your email address and/or mobile phone number on file with Peerfin up to date so that Peerfin can communicate with you electronically. You understand and agree that if Peerfin sends you an electronic Communication but you do not receive it because your email address or mobile phone number on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Peerfin will be deemed to have provided the Communication to you. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add Peerfin to your email address book so that you will be able to receive the Communications we send to you. You can update your email address, mobile phone number or street address at any time by logging into your Account or by sending such information to support email support@peerfin.io. If your email address or mobile phone number becomes invalid such that electronic Communications sent to you by Peerfin are returned, Peerfin may deem your account to be inactive, and you may not be able to complete any transaction via our Services until we receive a valid, working email address or mobile phone number from you.

8. Third-Party Content

In using our Services, you will view content provided by third parties, including articles, reviews, comments, insights, analysis and links to web pages of such parties, including but not limited to blogs, forums, communities and social networks. We do not control or approve any Third-Party Content and shall have no responsibility for Third-Party Content, including without limitation material that may be misleading, incomplete, erroneous, offensive, indecent or otherwise objectionable. We are not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings, and you understand that your use of Third-Party Content, and your interactions with third parties that are linked to our Service, is at your own risk.

9. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED “AS IS” WITH NO WARRANTY OF ANY KIND. Your use of our Services is at your sole risk. We and our licensors, service providers or subcontractors (if any) make no representations or warranties about the suitability of the information, software, products and services contained in our Services for any purpose or their compliance with any accounting rules, principles or laws, and expressly disclaim any representation or warranty that the Services will be free from errors, viruses or other harmful components, that communications to or from the Services will be secure and not intercepted, that the services and other capabilities offered from the Services will be uninterrupted, or that their content will be accurate, complete or timely.

10. No Offer

Neither these Terms nor any other document or information publicly available on Peerfin without going through your Account and the purchase process, constitute an offer or solicitation to sell securities. None of the information or analyses presented are intended to form the basis for any investment decision, and no specific recommendations are intended. Accordingly, these Terms do not constitute investment advice or counsel or solicitation for investment in any security and shall not be construed in that way. These Terms do not constitute or form part of, and should not be construed as, any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities. Peerfin expressly disclaims any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from: (i) reliance on any information contained in this document, (ii) any error, omission or inaccuracy in any such information or (iii) any action resulting therefrom.

11. No Advice

Peerfin is not acting and cannot act as an advisor, including as to any financial, legal, investment, insurance and/or tax matters. Any information provided by Peerfin is for general information only. You are solely responsible for determining whether any contemplated transaction is appropriate for you.
The information presented on or through the Peerfin is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Peerfin, or by anyone who may be informed of any of its contents.
This Peerfin may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

12. Discontinuance of Services

We may, in our sole discretion and without liability to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, any portion of our Services.

13. Unclaimed Property

If for any reason Peerfin is holding digital tokens in your Account on your behalf, and Peerfin is unable to return your digital tokens to your designated external account after a period of inactivity, then Peerfin may report and remit such digital tokens in accordance with applicable unclaimed property laws.


Entire Agreement. Order of Precedence. These Terms succeed those of the Membership Agreement and Subscription Agreement, and supersede all prior and contemporaneous understandings between the parties regarding the Services. These Terms do not alter the terms or conditions of any other electronic or written agreement you may have with Peerfin for the Services or for any other Peerfin product or service or otherwise. In the event of any conflict between these Terms and any other agreement you may have with Peerfin, the terms of that other agreement will control.
Amendment. We reserve the right to make changes or modifications to these Terms from time to time, in our sole discretion. If we make changes to these Terms, we will provide you with notice of such changes, such as by sending an email, providing notice on the homepage of the Peerfin and/or by posting the amended Terms via the applicable Peerfin website. The amended Terms will be deemed effective immediately upon posting for any new users of the Services. In all other cases, the amended Terms will become effective for pre-existing users upon the earlier of either: (i) the date users click or press a button to accept such changes, or (ii) continued use of our Services 30 days after Peerfin provides notice of such changes. Any amended Terms will apply prospectively to use of the Services after such changes become effective. If you do not agree to any amended Terms, you must discontinue using our Services and contact us to terminate your account.

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©2018 Sernez International Pvt Ltd.