Legal

Last Updated: 1st March 2025
By using our platform, you acknowledge and agree to the terms outlined in this Disclaimer. Carma acts solely as a facilitator connecting users for vehicle borrowing and lending. We do not own, manage, or inspect any vehicles listed on the platform, nor do we provide insurance, guarantees, or mediation services.

1. No Liability for Vehicle Use & Condition
Carma is not responsible for the condition, safety, or legality of any vehicle listed on the platform. It is the responsibility of both the lender and the borrower to:
- Ensure the vehicle is roadworthy and compliant with local laws.
- Verify the validity of insurance and registration.
- Inspect the vehicle before and after trips.
- Carma is not liable for accidents, damages, injuries, or legal consequences resulting from the use of any vehicle obtained through the platform.

2. No Insurance Provided
Carma does not provide insurance coverage for any vehicle transactions. It is the sole responsibility of users to:
- Verify that adequate insurance is in place.
- Confirm coverage with their insurer before lending or borrowing a vehicle.
- Handle any claims, disputes, or damages independently.
- Carma is not responsible for any financial or legal consequences arising from a lack of insurance coverage.

3. User Responsibility & Risk
By using Carma, users accept full responsibility for:
- The risks associated with lending or borrowing a vehicle.
- Complying with all applicable driving laws and regulations.
- Any financial obligations, fines, tickets, or damages incurred during a trip.
- Carma does not verify every transaction and does not intervene in disputes between users.

4. No Guarantee of Service
Carma does not guarantee:
- Successful matches between lenders and borrowers.
- The availability of vehicles.
- The reliability or conduct of other users.
- We provide the platform "as is" and make no representations regarding the accuracy of listings or user reliability.

5. Off-Platform Communication & Transactions
While Carma allows users to communicate outside the platform, we strongly recommend keeping messaging and trip planning within the platform for security and documentation purposes. Any agreements or transactions made outside of Carma are done at the users' own risk.

6. Indemnification
By using Carma, you agree to indemnify and hold harmless Carma, its affiliates, employees, and partners from any claims, damages, losses, liabilities, or expenses arising from your use of the platform.

7. Changes to This Disclaimer
Carma may update this Disclaimer at any time. Continued use of the platform after changes constitutes acceptance of the revised terms.

8. Contact Information
For any questions regarding this Disclaimer, please contact us at support@carma.exchange.
By using Carma, you acknowledge that you have read, understood, and agreed to this Disclaimer.

Last Updated: 1st March 2025
These Terms of Use ("Terms") govern your access to and use of the Carma platform ("Platform"), which facilitates vehicle borrowing and lending between users. By accessing or using Carma, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

1. Eligibility & User Verification
Carma is for individuals only—businesses may not use the platform. Users can sign up, browse, and post trips for free; however, to connect and message other users (and therefore borrow or lend cars), they must complete verification through a third-party platform. This verification includes identity checks and confirmation of a valid driving license.
Lenders must own their vehicles privately, Carma will verify uploaded insurance documents before allowing a vehicle to be listed.

2. User Responsibilities
2.1 Accurate Information
Users must provide accurate and up-to-date information when registering and using Carma.
2.2 Compliance with Laws
Users are responsible for ensuring compliance with all local, state, and national laws regarding vehicle use, insurance, and licensing.
2.3 Respectful Conduct
Carma has a zero-tolerance policy for abuse between users or attempts to use the platform for unlawful activities. Violations may result in an immediate ban.

3. Vehicle Lending & Borrowing
3.1 Vehicle Requirements
Vehicles listed on Carma must be roadworthy and compliant with all local laws and regulations. Only privately owned, four-wheeled vehicles are permitted.
3.2 Insurance & Liability
Carma does not provide insurance. It is the responsibility of both the lender and borrower to ensure that proper insurance is in place and complies with all legal requirements. Carma is not liable for damages, disputes, or insurance issues. Users must upload proof of insurance before listing a vehicle.
Carma does not recommend or facilitate any exchange of money between users for any reason.
3.3 Trip Cancellations & No-Shows
Cancellations and no-shows are entirely at the risk of users. Carma does not guarantee any service or reimbursement.

4. Membership, Payments & Fees
4.1 Membership Requirement
Users must pay a membership fee to unlock messaging and connect with others. Browsing and posting trips remain free.
4.2 Payment Processing
Carma integrates third-party payment providers (e.g., Stripe) to handle transactions securely.
4.3 No Guarantee of Service
Carma does not guarantee successful matches, completed trips, or refunds related to membership fees.

5. Ratings & Reviews
Users can rate and review each other after a trip. Reviews must be left within two weeks, after which the review option will be locked. Reviews remain hidden until both parties submit feedback, or after two weeks have passed (whichever comes first).

6. Dispute Resolution & Agreements
6.1 No Carma Involvement
Carma will not mediate or get involved in disputes between users. Any issues regarding damages, cancellations, or agreements are the sole responsibility of the lender and borrower.
6.2 Trip Agreements
Users must sign an agreement for each trip, which is between them and not between Carma and the users.
6.3 Arbitration
A basic arbitration process may be provided for disputes, but Carma does not guarantee a resolution.

7. Messaging & Off-Platform Communication
Carma does not prohibit users from sharing contact information or messaging outside the platform, as offline communication may be necessary. However, it is strongly recommended that users keep all planning and communication on the platform for security and documentation purposes.

8. Account Suspension & Termination
Carma reserves the right to suspend or terminate accounts that violate these Terms. Users who attempt to use the platform to drive without insurance, engage in fraud, or violate other policies risk being permanently banned.

9. Limitation of Liability
Carma acts as a facilitator and is not responsible for disputes, damages, or liabilities arising from user interactions. Users agree to release Carma from any claims related to vehicle borrowing or lending.

10. Changes to These Terms
Carma may update these Terms from time to time. Continued use of the Platform after updates constitutes acceptance of the revised Terms.

11. Contact Information
For questions or concerns regarding these Terms, please contact us at support@carma.exchange.

By using Carma, you acknowledge that you have read, understood, and agreed to these Terms.

Last Updated: 1st March 2025
Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use the Carma platform ("Platform"). By accessing or using Carma, you consent to the practices described in this policy.

1. Information We Collect
1.1 Personal Information
When you sign up and use Carma, we may collect the following information:
- Name
- Email address
- Phone number
- Date of birth
- Profile picture
- Government-issued identification (e.g., driver’s license)
- Insurance documents
- Payment information (processed via third-party payment providers)
1.2 Usage & Device Information
We may collect:
- IP address
- Browser type
- Device type
- Operating system
- Platform interactions (e.g., trips posted, messages sent, reviews left)
1.3 Third-Party Verification Data
To ensure platform security, we use third-party services for identity verification, background checks, and license validation. These services may provide us with:
- Verification status
- Driving history (where applicable)
- Risk assessment data

2. How We Use Your Information
- We use the collected data to:
- Provide and improve Carma’s services
- Facilitate user verification and trip arrangements
- Process payments securely
- Enforce platform rules and ensure compliance with local laws
- Enhance security and prevent fraud
- Communicate updates, offers, or service-related messages
- Provide customer support

3. Sharing Your Information
We do not sell your personal data. However, we may share information in the following situations:
3.1 With Other Users
Certain profile details (e.g., name, profile picture, vehicle details) may be visible to other users when arranging trips.
3.2 With Third-Party Service Providers
We partner with external services for:
Identity verification
Payment processing (e.g., Stripe)
Background checks
Customer support tools
3.3 Legal & Compliance Obligations
We may disclose information if required by law, court order, or to protect Carma’s legal rights.

4. Data Security & Retention
We implement security measures to protect user data. However, no online system is completely secure. You are responsible for safeguarding your account credentials.
We retain personal data as long as necessary to provide services or comply with legal obligations. Verification documents may be stored for security purposes but will not be retained longer than required.

5. Your Rights & Choices
Depending on your location, you may have rights to:
- Access, correct, or delete your personal data
- Opt out of marketing communications
- Request data portability
- Withdraw consent for data processing (where applicable)
To exercise your rights, contact us at support@carma.exchange.

6. Cookies & Tracking Technologies
Carma uses cookies and similar technologies to improve user experience, track platform activity, and personalize content. You can manage cookie settings through your browser.

7. Third-Party Links
Carma may contain links to third-party websites. We are not responsible for their privacy practices. Please review their privacy policies separately.

8. Children’s Privacy
Carma is not intended for individuals under the age of 18. We do not knowingly collect data from minors.

9. Changes to This Policy
We may update this Privacy Policy from time to time. Continued use of Carma after updates constitutes acceptance of the revised policy.

10. Contact Us
For privacy-related inquiries, contact us at support@carma.exchange.

By using Carma, you acknowledge that you have read, understood, and agreed to this Privacy Policy.