Our Policies

Terms & Conditions, Refund Policy, Pricing & Promotion Policy.

Terms and Conditions & Privacy Policy

Terms and Conditions for freelancers

By joining cowdiar an individual accepts the following conditions

He/she is Above 13 years of age at the time of signing up and can provide pan card details of their guardian if below 18 years and submit their pan card details if above 18.
  • He/she owns a bank account in their own name
  • He/She is liable to pay all tax and additional charges
On crossing the payment limit of 20 lakh INR he/she shall not be permitted to use this platform without submitting her/his GST invoice number(for Indian customer)
He/she will be warned at first on exposing contact details or bank details or other sensitive information or providing external links and upon second warning account will be permanently blocked and we won't be responsible for any losses incurred during this process
He/She is not allowed to have more than one active account at a time
He/She is not allowed to republish or rent, sell any work done through cowdiar
By joining the platform you will be bound to receive promotional emails and SMS
The payments in Dollars and other currencies are ought to change time by time and conversion rates and fluctuations may happen and we are not responsible for it.
Any disputes in this platform comes under the jurisdiction of the High Court of Kerala
We are not responsible for any payment or transaction out of our system
Exceptional cases of any freelancers who are below 13 could be allowed to open an account and work in the special interest of the company
He/She shall not reproduce any work which belongs to someone else or which has been done himself for any other client
Payments shall be released when the client is satisfied with the work and if any disputes the freelancer can raise a ticket and dispute resolution shall be done through the proper framework

Terms and Conditions for Client/Employer

Should add funds equal to the value of the given task before assigning work Funds will be frozen until the work is completed and payment is released.
If a freelancer cancels work by himself immediately funds are released and credits as points and can be used in upcoming works. Tax and transaction rates are applicable in the transaction and transaction fees are subject to change.
Clients are prohibited to share contact details through the platform and if any such incidents happen account will be blocked.
Bank details and PayPal details should be added before assigning work
Multiple accounts are allowed based on certain conditions
Conversion rates apply based on the freelancer currency and currency the client chooses.
Promotional emails and messages should be allowed as default and will not be allowed to opt out of it.
Logos, documents and other materials received through work done here follows all copyright act 1957 and trademark act 1999. which procedures need to be done by the client if needed to apply but the platform can help in securing papers and charges apply Funds will be held by cowdiar until the work is completed and payments are released. Funds will not be available to spend and cowdiar will have the authority of funds.
Recurring transactions can be canceled manually by contacting customer service at any time
Refunds are only issued if the work is not completed at the time and the processing fee applies for refunds.


You specifically agree that all disputes, differences or claims arising out of this Agreement or any other agreement executed pursuant to this Agreement or the relationship of the parties created by this Agreement, shall if not amicably resolved, be referred to arbitration by a mutually agreed sole arbitrator in accordance with the Arbitration and Conciliation
Act, 1996. The language of arbitration shall be English and the venue of arbitration shall be Kerala. You agree that the award of the arbitrator shall be conclusive and binding upon each party and may be enforced in any court of competent jurisdiction.

Processing Charges

Cowdiar Support both international and domestic transactions which in turn are applicable for additional processing charges. Cowdiar’s payment gateway put forward two different ways to accept international card payments for companies in India with different tariff plans. Both procedures allow you to accept payments from customers outside of India with a simple scheme to accept payments to your
indian bank account in indian rupees (INR). You can choose any currency option from the available options based on your convenience.
If the transaction is Domestic, then a processing fee of 3% is applicable on the payment
If the transaction is International, then a processing fee of 4.3% is applicable on the payment
If a transaction includes currency conversion, Then an additional conversion fee of 2% may be charged by the issuing bank which is applicable along with the normal transaction fee.

RBI Guidelines 2021 

According to RBI guidelines 2021 for accounts based on india following procedures will be followed by cowdiar
Indian issued cards including rupay cards will have to go through verification process each and everytime
Paypal linked to indian issued card will not be able to be used for payments
Recurring payments of more than 5000 INR will not be allowed
Source: https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NOT11820DB6EC9 DF8A4611926B0A897918D64F.PDF

Privacy Policy and General Guidelines

For the purposes of this Privacy Policy:

Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to cowdiar. Device means any device that can access the Service such as a computer, a cellphone or a digital tablet. Personal Data is any information that relates to an identified or identifiable individual. Service refers to the advertisement, website, or application.

Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used. Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

First name and last name
Email address
Phone number
Location details such as your address, city, or country

Any other data such as personal preferences, requirements, or comments

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service

Protect the personal safety of Users of the Service or the public
Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

 Personal Information Deletion.

“Users can request for deletion of personal information by contacting us at support@cowdiar.com.”

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.