TERMS AND CONDITIONS OF USE

Welcome, By accessing or using Prudential Estates Investors Network Limited’s ("PEINMONEY", "us", "we", “Company”) website located at www.peinmoney.com (the “Website”) and the Loan opportunities, features, content, applications, mobile device applications, apps, offered by PEINMONEY (collectively, the "Products"), you indicate that you have read and understand this Terms and Conditions of Use Agreement (the “Terms of Use”), which incorporates by reference our Privacy Policy, located at HERE and agree to be bound by it in its entirety. If you do not understand or have questions about the Terms of Use, immediately stop all use of the Website and contact us at support@peinmoney.com

It is your obligation to review the Terms of Use before registering for an account on the Website. Any changes to the Terms of Use will be effective immediately upon our posting them to the Website, unless otherwise stated. We reserve the right to change the contents of the Website or the Products at any time, with or without notice. The Terms of Use apply only to the Website and the Products that are controlled by us, and do not apply to any third party websites, that are linked to the Website. For access to the terms and conditions or privacy policies of linked websites, you should refer to the policies of those websites.

  1. These Terms of Use between PEINMONEY and You

  2. You understand that by using the Website, or creating an account, you are agreeing to comply with and be bound by the Terms of Use.
    Users of our Website who may register an account and learn more about potential Development Loan opportunities and those who wish to lend in any such opportunities can lend.

  3. Definitions

  4. The Terms of Use employ the following definitions:

    “Affiliates” means companies and divisions under the ownership of the Company or that own the Company.
    “Company” means Prudential Estates Investors Network Limited, the owner and operator of the Website.
    “Content” includes all Text, Graphics, design and Programming used on the Website.
    “Graphics” includes all logos, buttons, and other graphical elements on the Website, including the color combinations and the page layout of the Website, with the exception of trademarks and intellectual property belonging to third parties.
    “Programming” includes both Frontend-side code and server-side code (including compiled or interpreted code in any computer language, Active Server Pages, databases, etc.) used on the Website.
    “Text” includes all text on every page of the Website, whether editorial, navigational, or instructional.
    “You” or “your” (whether or not capitalized) refers to the person and entity, as appropriate, accessing the Website and agreeing to this Terms of Use.

  5. Use of the Website, the products, and the Services

  6. The Website, a technology platform intended to permit Investors to review and participate in Property development Loansoffered by the Company. PEINMONEY provides the Website for the following purposes:
    (1) to disseminate information regarding PEINMONEY’s investment opportunities in connection with Property Development Investment lending opportunities; and
    (2) provide such information to potential investors seeking investments in such opportunities. All information provided by and through the Website and/or the products is strictly for informational purposes only.

    A limited license is granted to you by us to view, download, and use a single copy of the Website or the Products solely for your personal, non-commercial use and only as an aid to participating on the Website or the Products. The Website or the Products may only be used in a manner consistent with this purpose, and only within the context of the products and information set forth on the Website. Except as provided in this Terms of Use, you are not permitted to download (other than page caching), copy, share, retransmit, or change any portion of the Website, unless you have our express written consent.

    The information contained on the Website has been prepared by us without reference to any particular user’s Lending or investment requirements or financial situation, and does not constitute financial, legal, or tax advice.

    Account Registration

    Certain functions of the Website or the Products or the Services may require registration, such as reviewing current investment opportunities, responding to surveys, or participating in promotions or contests. If you register or provide information to us in any manner, you agree to provide only true, accurate, current and complete information. You are responsible for maintaining the security of your account, and you are fully responsible for all activities and actions that occur in connection with the account. If we issue a username and/or password/or secret password to you, you agree to protect that information by, among other things, keeping your password and other information confidential. If, in spite of the foregoing obligation, you allow another party to use your account, you accept that you will be responsible for all use of the Website or the Services and all other activities performed by the party using your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security as soon as you become aware of or suspect it. We will not be liable for your acts or omissions, including but any damages of any kind incurred as a result of those acts or omissions. If you delete your account, we may still need to retain certain information for record keeping, administrative, legal, and technical purposes. By registering for an account, you grant us permission to send emails, surveys, offers, promotions and other marketing material to you via email, including both commercial content and transactional/relationship content. You may unsubscribe at any time.

    Non-Disclosure/Non-Circumvention

    The Loan Notes Offering and other opportunities contained in the non-public areas of the Website or the Services are proprietary and confidential to the Company (the “Confidential Information”). You may only use Confidential Information as permitted by this Terms of Use, and for no other purpose whatsoever. You hereby agree not to disclose, or allow to be disclosed, Confidential Information contained on the Website to third parties except upon the express prior written consent of the Company.

    Contests and Promotions

    Contests or other promotions made available through the Website or otherwise may be governed by specific rules that are separate from this Terms of Use. By participating in any such contest or promotion, you agree to participate subject to those rules. Our Privacy Notice governs our use of any information you submit in connection with those activities, unless otherwise expressly stated in connection with those activities.

  7. Restrictions on Use of the Website

  8. The information displayed on the Website may not be used for any purpose except in connection with your direct use of the Website as permitted by this Terms of Use, and may not be excerpted, summarized, duplicated or otherwise removed from the Website or Services except with our explicit, written permission. You may not collect or use any portion of the content of the Website or Services in any derivative way, or download, or copy information or other matter for use of any other party.

    In addition, you agree that you will not use (or plan, encourage or help others to use) the Website for any purpose or in any manner that is prohibited by this Terms of Use or by applicable law. You also may not interfere with the proper operation of the Website including by attacking, hacking into, or otherwise attempting to penetrate any non-publicly accessible elements of the Website or our servers or network, through the use of bots, Trojan Horses, viruses, DNS attacks, or any other technology that is designed or intended to interfere with the proper operation of the Website or the use of the Website by any user. You agree that you will not circumvent or attempt to circumvent any security or access control technology implemented on the Website, or the servers and network associated with the Website. Any such unauthorized use by you or on your behalf automatically terminates the permission or license granted by us.

  9. Termination of Access

  10. Use of the Website is not a legal right. We reserve the right to suspend or terminate your access to the Website for any reason at any time, in our sole discretion without considering the potential ramifications on you and your activities. The Website and their contents are not intended for the use of children under the age of 18. Children under the age of 18 may not use or submit any information to the Website. PEINMONEY does not knowingly collect information from individuals who are less than eighteen (18) years of age. Individuals under the age of 18 may only access the Website under the supervision of a parent or legal guardian who is at least 18 years of age, and who agrees to be bound by, and responsible for, action taken on the Website. These restrictions are based on applicable law for the benefit of such children. You hereby represent and warrant that you are 18 or older and that you agree to abide by all of the terms and conditions of these Terms of Use.

  11. Information You Provide to Us on the Website

  12. If you choose to provide any personal information on the Website, the information will be used only for the purposes described in our Privacy policy. Additionally, we may collect or share certain information based on your usage of the Website, as described in our Privacy Policy.

    To facilitate communications between you and us, the Website offers you the ability to contact us. Although we strive to protect and secure our online communications, and use the security measures detailed in our Privacy Policy to protect your information, please note that no data transmitted over the Internet can be guaranteed to be completely secure and no security measures are perfect or impenetrable. You agree that we will have no liability to you whatsoever for any unaccepted or unprocessed email instructions or requests, or for any loss or damage arising out of any unauthorized use by third parties of any information that you send by email. If you would like to transmit sensitive information to us, please contact us, without including the sensitive information, to arrange a more secure means of communication.

  13. Monitoring of Information

  14. We do not assume any obligation to review, monitor, or verify the content or other information submitted to the Website by third parties. You assume the responsibility of verifying the accuracy of any registration or subscription information and the risks of not so doing. Nevertheless, we may, in our sole discretion, review any, none, or all of the information submitted to the Website for any purpose whatsoever, and we reserve the right, in our sole discretion, to remove, edit, or reject any information submitted to the Website for any reason whatsoever.

    We reserve the right to cooperate with any law enforcement authorities or court orders requesting or directing us to disclose the identity of anyone sending any email messages or otherwise making available any materials that are believed to violate the Terms of Use or law. You agree that if we receive an order issued by a court or from a law enforcement or government agency, we may unilaterally choose to comply with such orders without your consent or prior notice to you and may disclose your IP address, username, name, IP location or other information as required by the order. You agree to waive and indemnify, defend, and hold us harmless from and against any and all claims, losses, damages, and expenses whatsoever in connection with any investigations by us or law enforcement or governmental authorities.

  15. Intellectual Property Rights

  16. The Company owns any and all intellectual property rights relating to the PEINMONEYbrand, trade name, trade dress, and other content including: copyright, trademark, service mark, trade name, trade dress, proprietary logo, insignia, business identifier, and other Text and Graphics that has or provides the “look and feel” of the PEINMONEYbrand image, as well as all of the Content, including the Text, Graphics, Programming, photographs, video and audio contained in the Website (the “Intellectual Property”). Your use of the Website does not grant you any rights or licenses relating to the Intellectual Property, except as expressly provided for in these Terms of Use. None of the Intellectual Property may be used, reproduced, published, transmitted, distributed, displayed, performed, exhibited, modified, used to create derivative works, sold, re-sold or used in any sale, or exploited for in any way, in whole or in part, except as provided for herein, unless you obtain our prior written consent. You shall not reproduce, modify, display, sell, or distribute the Intellectual Property, or use it in any other way for public or commercial purposes. These limitations include copying or adapting the HTML code used to generate web pages on the Website or Services, as well as any Graphics or Programming. All other Content, including product names, names of services, trademarks, service marks and other intellectual property is the property of its respective owner, as indicated, and may only be used as permitted.

  17. Disclaimer of Warranties & Limitations of Liability

  18. Your consent and agreement to the following disclaimers and limitations is a material inducement for us to permit you to access the Website. Your use of the Website and our obligations and liabilities with respect to your use of the Website are expressly limited as follows:
    DISCLAIMER OF WARRANTIES

    THE WEBSITE AND ITS CONTENT, INCLUDING ALL OPPORTUNITIES CONTAINED HEREIN, ARE PROVIDED “AS IS”. THE COMPANY DISCLAIMS ANY AND ALL EXPRESS AND IMPLIED WARRANTIES WHATSOEVER TO THE MAXIMUM EXTENT PERMITTED BY LAW, INCLUDING THE WARRANTIES OF MERCHANTABILITY, AND FITNESS FOR PARTICULAR PURPOSE.

    THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THE WEBSITE OR SERVICES WILL BE UNINTERRUPTED, ACCURATE OR ERROR-FREE. YOU, AND NOT THE COMPANY, ASSUME THE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION IF THERE IS ANY LOSS OR DAMAGE ARISING FROM OR IN CONNECTION WITH THE USE OF THE WEBSITE, THE SERVICES, OR THEIR CONTENT. AND WE MAY MAKE CHANGES OR IMPROVEMENTS TO THE WEBSITE OR SERVICES AT ANY TIME, WITH OR WITHOUT NOTICE.

    PEINMONEY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR VERIFICATION OF INVESTOR ELIGIBILITY, ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN OR INVESTMENTS OR SERVICES ADVERTISED OR OFFERED BY THE WEBSITE OR ANY HYPERLINKED WEBSITE.

    Third-Party Websites

    The Website may contain links to other websites for your convenience and information. Such links may be to advertisers, merchandise retailers, content providers or other companies who may use our logo or style as a result of a co-branding agreement. These websites may be operated by companies that are not affiliated with the Company and may have different privacy policies and terms of use. The Company does not control the content that appears on these websites or their privacy practices. Notwithstanding the presentation of, or links to, any third-party information or website on the Website or Services, no such presentation may be considered by you to be an endorsement, guarantee, representation, or warranty, either express or implied, by us on behalf of any third party. We will have no liability or responsibility whatsoever for the content, subject matter or substance of any information accessed or obtained from third-party websites accessed from or via the Website or Services. Access to third-party websites from the Website or Services is done at your own risk.

  19. General Information

  20. Entire Agreement. These Terms of Use, together with the Privacy Notice, constitute the entire agreement between you and the Company governing your use of the Website or Services, superseding any prior agreements or understanding, oral or written, between you and the Company with respect to the Website or Services. You also may be subject to additional terms and conditions that may apply when you use or purchase or subscribe for certain services or products of the Company.

    Waiver and Severability

    The failure of the Company to enforce any right of the provisions in the Terms of Use or Privacy Notice will not constitute a waiver of any right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, it will not affect any other provision of the Terms of Use or Privacy Notice, and the Terms of Use or Privacy Notice will be construed without regard to the invalid, illegal, or unenforceable provision.