Welcome to starboard

Phone: +91 8879 79 4804


This document is an electronic record in terms of the Information Technology Act, 2000 and rules there under in force, and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000 from time to time. This electronic record is generated by a computer system and does not require any physical or digital signatures.

This document is published in accordance with the provisions of Rule 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and user agreement for access or usage of the internet resource www.starboard-technology.com; strbd-tech.com; www.ejyotish.com; www.buddywo.com as well as the Starboard, Ejyotish and Buddywo mobile application platform and any other application or software run under the brand name “Starboard”, “Ejyotish” and “Buddywo”. These User Terms and Conditions (“User T&C”) apply to the access and use of any Starboard/Ejyotish and Buddywo application or software whether run through any of the above internet resource or through the related mobile applications or on any other media platform (hereinafter referred to as the “Website” or “Starboard”). Persons accessing or using our Website or availing the Loan and facilities on our Website (collectively the “Services”) are hereinafter referred to as “Users” or “you”.

Welcome to Starboard! Starboard Technology Private Limited (“us”, “we”, or “Starboard Company” or “Website Design and Development Company”) is the owner of the Website. By visiting the Website, you agree that these User T&C shall be a legally binding agreement between User and us.

Before using our Services, you are requested to please ensure that you carefully read and understand these User T&C which shall apply. Your use of our Services is expressly conditional on your acceptance of these User T&C.

Please read these User T&C carefully before using this Website and/or Application.


Starboard Technology Private Limited is the owner of the Website. The terms "Starboard" "Company," "we," "our," and "its" when referring to these entities are used only for convenience and are not intended to be an accurate description of ownership, operation or corporate/legal relationships. You acknowledge that for any breach of these User T&C, we reserve the right to remove any content or data, information or material (“User Content”) from the Website from time to time.

This page sets forth the User T&C under which we provide information on this Website, as well as the User T&C governing your use of this Website and Services.

Starboard Technology Private Limited is a company registered under the Companies Act, 2013 and having its registered office address at E/406, Akruti Orchid Park, Andheri Kurla Road, Sakinaka, Andheri East, Mumbai, MH 400072, India.


Your use of this Website is subject to the following terms of use:

  • The content of the pages of this Website is for your general information and use only. It is subject to change without notice. Unauthorised use of this Website may give rise to a claim for damages and/ or be a criminal offence.
  • The service statements on this Website are for general description purposes only. The information contained in this Website should not be viewed as an offer to sell or as a solicitation to purchase any of our Services. Furthermore, not all Services are available in every state or country.
  • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this Website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
  • The Website may contain links to other third party sites. Such sites will contain their own separate terms and conditions. Your access to and use of these interactive sites will require acceptance of these separate terms and conditions.
  • You agree to use the Website only for lawful purposes. You agree not to take any action that might compromise the security of the Website, render the Website inaccessible to others or otherwise cause damage to the Website or the content therein. You agree not to add to, subtract from, or otherwise modify the content, or to attempt to access any content that is not intended for you. You agree not to use the Website in any manner that might interfere with the rights of third parties.
  • This Website uses cookies to monitor browsing preferences. g. We make no warranties or representations about this Website or any of its content. Starboard/Ejyotish/Buddywo is not responsible to you or anyone else for any damages of any kind, including (but not limited to) any direct or consequential loss and losses resulting from security failure, disclosure of confidential information by other parties or the transmission of a computer virus, suffered in connection with the use of this Website. Your use of any information or materials on this Website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this Website meet your specific requirements.
  • All materials herein and all software are proprietary to Starboard and protected by worldwide copyright and other intellectual property laws. Except as stated herein, none of the materials may be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photocopying, recording or other means, without the prior express written permission of Starboard.
  • Unauthorised use of this Website may give rise to a claim for damages and/or be a criminal offence.
  • Any violation of these User T&C may result in legal liability upon you. Nothing in these User T&C should be construed to confer any rights to any third party or any other person. Your use of the Website means you are consenting to this User T&C and agree to be legally bound by it.
  • You acknowledge and agree that nothing in these User T&C shall have the effect of transferring the ownership of any copyrights, trademarks, service marks, trade names or other proprietary rights in the Website or Application or any other Material or any part thereof to you or any third party.


As a condition of your use of the Website, you will not use the Website for any purpose that is unlawful or prohibited by these User T&C or by any domestic or international laws, statues, ordinances and regulations. Your use of Website is your responsibility.

You shall not, display, upload, modify, publish, transmit, update or share any information on the Website, that –

  • Belongs to another person and to which you do not have any right;
  • Is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, libellous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner;
  • Involves the transmission of "junk mail", "chain letters", or unsolicited mass mailing or "spamming" or unsolicited commercial advertisement;
  • Harm minors in any way;
  • Infringes any patent, trademark, copyright or other proprietary rights;
  • Violates any law for the time being in force;
  • Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
  • Impersonate another person;
  • Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource.


We may use your Personal Information to contact You with newsletters and/or with other marketing or promotional communications, which are solely made with an intent for marketing and promotional purposes only. You understand that such communications are made with your consent which has been sought whilst registering yourself with the Website. However, at Starboard “Website Design and Development Company”, your personal privacy is important to Us and We intend to respect our User’s privacy and desist from encroaching upon the same. Accordingly, should You wish to not receive any emails or any marketing or promotional communications from Us, then You may choose to unsubscribe the same by clicking on the unsubscribe. Furthermore, if You have any further complaints regarding the same We strongly urge You to contact Us immediately at info@strbd-tech.com, and we would be happy to assist You in any possible way.

For those Users who have registered for the mailing list, their personal information is kept until We are notified that they no longer want their information to be stored by Us by unsubscribing themselves from our mailing list and/or choose to stop availing our services by deleting their account with Us.

Persons who supply Us with their telephone numbers online may receive communication from Us via telephone, text message or emails, pertaining exclusively to new services or any upcoming events. If You do not wish to be on our mailing list, You can let Us know of your updated preferences by either emailing Us at info@strbd-tech.com or choosing “unsubscribe” option. In order to provide and improve our Services and to share relevant ads with You, We use and disclose to our advertising and analytics partners non-personally identifiable information that We collect, including cookie data, some log data, and mobile data.


Starboard Technology Private Limited is the owner of the “Starboard”, “Ejyotish” and “Buddywo” technology and Website in the Indian territory and is responsible for maintaining the Website and providing for the technical support for the same. The terms “Starboard”, “Ejyotish”, “Buddywo”, "we," "our," and "its" when referring to these entities/brands are used only for convenience and are not intended to be an accurate description of ownership, operation or corporate/legal relationships.

You acknowledge that Starboard Technology Private Limited is the owner of the Website and related technology including, without limitation, all applicable patents, trademarks, copyrights (including, but not limited to, selections, collections, compilations, and arrangements), and other intellectual property rights thereto.

You are permitted to access the Website in accordance with these User T&C:

No part of the contents of this Website and may be modified, transmitted, or otherwise used without our express permission except as provided herein.

Unless specifically requested, “Starboard”, “Ejyotish”, “Buddywo” does not solicit nor does it wish to receive any confidential, secret or proprietary information or other material from you. By submitting or sending information or other material to us you represent and warrant that the information is original to you and that no other party has any rights to the material. By submitting or sending information or other material to us you grant us the royalty-free, unrestricted, worldwide, perpetual, irrevocable, non-exclusive and fully sub-licensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such material (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed. You also warrant that any "moral rights" in posted materials have been waived. You agree and acknowledge that by using this Website, any and all communications and/or information transmitted by you to or through the Website will not be treated as confidential or proprietary. You agree to defend, indemnify and hold Starboard, Ejyotish and Buddywo and each of its directors, officers, employees, agents and affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys' fees, arising in any way from your use of the Website or the placement or transmission of any message, content, information, software or other materials through the Website by you.

References on the Website to services and products or supplied information or data provided by “Starboard”, “Ejyotish”, “Buddywo” are on an "as is" and "as available" basis, without warranty of any kind, either express or implied. Without limitation of the foregoing, We specifically disclaim any and all warranties, including, but not limited to: (i) any warranties concerning the availability, accuracy, appropriateness, reliability, timeliness, or usefulness of the content of the Website; and (ii) any warranties of title, warranty of non-infringement, warranties of merchantability or fitness for a particular purpose, or warranties arising from a course of dealing, usage or trade practice. This disclaimer of liability applies to any damages or injuries occurring as a result of: (i) any error, omission, deletion, or defect in the content, or (ii) any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of record, unauthorized access to, alteration of, or use of record, whether for breach of contract, tort, negligence, defamation, or any other cause of action. We do not warrant or guarantee: (i) that any portion of the Website will be free of infection by viruses, worms, trojan horses, or anything else manifesting contaminating or destructive properties; or (ii) that access to the Website will be uninterrupted or error-free.

Under no circumstances, including, but not limited to, negligence, shall We be liable to any party for: (i) any direct, indirect, special, punitive, incidental, exemplary, consequential (including, but not limited to, damages for business interruption, loss of business profits, loss of programs, or loss of information), or any other damages arising in any way out of the availability, use, reliance on, or inability to use the materials in this Website, even if “Starboard”, “Ejyotish”, “Buddywo” or any of their authorized representative has been advised of the possibility of such damages; or (ii) any claim attributable to errors, omissions, or other inaccuracies in, or destructive properties of the Website. In no event shall our total liability to you herein, for any claim or action arising from use of the Website (whether in contract, tort, or otherwise) exceed the amount paid by you, if any, for accessing this Website. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the fullest extent permitted by law.


“STARBOARD” or “EJYOTISH” or “BUDDYWO” and the respective logos/word mark are registered trademarks or applied for registration and/or service marks of Starboard Technology Private Limited. Nothing contained in the Website should be construed as granting, by implication or otherwise, any license or right to use these marks without express written permission of Starboard.

However, You understand and accept no data transmission over the Internet can be guaranteed to be completely secure. We cannot ensure or warrant the security of any information that you transmit to Us and you do so at your own risk.

Other names, company names, brand names, registered and unregistered trademarks or service marks and logos (the “Marks") are the property of their respective holders. Nothing contained in the Website should be construed as granting, by implication or otherwise, any license or right to use the Marks without express written permission of the owner or rights holder with respect to such use.


You may use the Website without registration however, to participate in certain activities of the Website you may be requested to create an account or you can login any other third party service account permitted by the Website. In the event you wish to create an account with us you may do so by completing the registration process. You agree to a) provide true, accurate, correct and complete information as prompted by the applicable registration form b) maintain and update true, accurate, correct and complete information provided by you during the registration process. You may be required to choose a password and user name. You are solely responsible for maintaining the confidentiality of your password and account.

If at any time Starboard/Ejyotish/Buddywo believes that your account and password is being misused in any manner, or that the information provided by you during the registration process is not true, inaccurate or incomplete Starboard/Ejyotish/Buddywo reserves the right to cancel your account and block your access to Website.

You are entirely responsible for any and all activities that occur under your account. You agree to notify Starboard/Ejyotish/Buddywo of any unauthorized use of your account or any breach of security. Starboard/Ejyotish/Buddywo will not be liable for any loss that you may incur as a result of someone else using your password or account or your failure to comply with this section.


Linked sites are not under the control of Starboard/Ejyotish/Buddywo and they are not responsible for the contents of any linked site or any link contained in a linked site. Starboard/Ejyotish/Buddywo provides links to you only as a convenience, and the inclusion of any link does not imply endorsement by Starboard/Ejyotish/Buddywo of the Website has no control over such third party Website or any offsite dealings with such third parties is at your own risk.


The Website uses Google Analytics, a web and mobile analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your device, to help analyze how users use the Website application. The information generated by the cookie about your use of the Website (including your IP address) will be transmitted to and stored by Google on servers in the United States or India or Cloud. Google will use this information for the purpose of evaluating your use of the Website, compiling reports on Website activity for operators and providing other services relating to Website activity and Internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. By using this Website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.


Some part of the Website may contain advertising information or promotion material or other material submitted to Starboard/Buddywo/Ejyotish by third parties. Responsibility for ensuring that the material submitted for inclusion on Website complies with applicable law is exclusively on the party providing the information/material. Your correspondence or business dealings with, or participation in promotions of advertisers or including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between You and such advertiser. Starboard/Buddywo/Ejyotish will not be responsible or liable for any claim, error, omission, inaccuracy in advertising material or any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Website. Starboard/Buddywo/Ejyotish reserves the right to omit, suspend or change the position of any advertising material submitted for insertion.


While Starboard/Buddywo/Ejyotish takes reasonable care and skill to provide information which is accurate and up to date when first included on the Website, typographical and other errors may nevertheless occur. We do not undertake to update or correct such information and reserve the right to modify, delete and rearrange any or all of the contents of this Website at any time without notice to you. While we make reasonable efforts to prevent unauthorized tampering with the Website, we do not guarantee that our efforts will always be successful. Therefore, as set out below, we do not warranty that the Website materials will be error-free, and disclaims any liability for such errors.


This Website’s Privacy Policy governs our collection, use, and disclosure of your personal information and is incorporated into these User T&C. Please read it carefully. It describes what information we collect from you and when, how and why we may create an account for you, who we share your information with and when and how you can opt-out or delete your account. This is important information. By providing your personal details and by using our Website, you consent to our Privacy Policy.


By clicking the ‘I Agree’ button, you consent to conduct transactions and receive communications, notices and information from us electronically, whether sent by e-mail or other electronic means. Electronic communications shall be deemed to have been received by you when we send the electronic communication to the email address / mobile number that as per our records, or when we post the electronic communication on the Website.


These User T&C shall be a legally binding agreement between User and us and shall be governed by and interpreted and construed in accordance with the laws of India. Notwithstanding the foregoing, we reserve the right to pursue any action or claim against you in any court of competent jurisdiction which we believe is the most appropriate to seek any relief. Subject to the arbitration provision herein, the courts at Mumbai, India shall have exclusive jurisdiction over any claims or matters arising out of these User T&C.


We make no representation as to the accuracy, timeliness, or completeness of the website materials. We periodically amend, change, add, delete, update or alter the information, including, without limitation, the user t&c, at the website without notice. Further, we assume no liability or responsibility for any errors or omissions in the content of the website. We specifically disclaim any duty to update the information on the website. You are responsible for verifying all information located on this website.

All materials, information, software, products, and services included in or available through this website (the "content") are provided "as is" and "as available" for your use. The content is provided "as is" and without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and title.


These User T&C together with the Privacy Policy and other policies made available on the Website, as amended from time to time, constitute the entire agreement between you and us. If any provision of these User T&C or any policy are considered unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these User T&C or any policy and shall not affect the validity and enforceability of any remaining provisions.


We reserve the right to modify the User T&C at any time, and without actual notice to you. All such changes to these User T&C will appear on the Website.

By using this Website following any modifications to these User T&C, you agree to be bound by any such modifications to these User T&C. If any changes to these User T&C are unacceptable to you, you must discontinue use of the Website. We reserve the right to suspend or deny, in our sole discretion, your access to all or any portion of the Website, including for any violation of any provision of these User T&C. We also reserve the right to change the Website without notice to you, at any time.


Use of the Website is at your sole risk. While we make reasonable efforts to ensure the safety and functionality of our Website, these efforts may fail and errors may occur. In no event shall starboard or any other party involved in the creation, production, or delivery of the content of this website be liable for any direct, indirect, special, incidental, consequential, or punitive damages of any kind, or any damages whatsoever resulting from loss of use, computer virus or system failure, or loss of data or profits, arising out of or in connection with the use or performance of this website (or the content provided at this website on any application related to any third party), or users' inability to use the content contained in this website (or any other application), on any theory of liability. We will not be liable or responsible for any loss or damage caused by or arising from your reliance on the content of this website. These waivers apply even if starboard has been advised of the possibility of such damages. In no event shall our liability to you for any damages, losses, or causes of action (whether in contract or tort, including, but not limited to, negligence or otherwise) exceed the amount, if any, paid by you to us for accessing this application.

The foregoing limitations will apply even if any remedy provided under these user t&c fails of its essential purpose.


You agree to defend, indemnify, and hold harmless Starboard, Ejyotish, Buddywo and their affiliates, parents, subsidiaries, and their respective employees, agents, contractors, officers, directors, successors and assigns from all liabilities, claims, damages and expenses, including without limitation attorneys' fees and costs, that arise from your use or misuse of this Website, without limitation, any actual or threatened suit, demand, or claim made against Starboard/Ejyotish/Buddywo arising out of or relating to the User Content, your conduct, your violation of these User T&C, or your violation of the rights of any third party.


We shall have the right immediately to terminate this agreement with you and your use of the Website if we determine in our sole discretion that you have breached any of these User T&C or otherwise been engaged in conduct which we determine in our sole discretion to be unacceptable. Upon termination or expiration of this User T&C, your obligations and our rights and disclaimers survives, but your right to use the Website immediately ceases. Any express waiver or failure to exercise promptly any right under these User T&C will not create a continuing waiver or any expectation of non-enforcement.


  • Force Majeure: In no event shall Starboard/Ejyotish/Buddywo be liable for any acts beyond its control or for any acts of god.
  • Modification of Services: We reserve the right to modify or discontinue (completely or in part) our Website, Services, or any content appearing therein. We will not be liable to you or any third party if we exercise this right.
  • No Waiver: Our failure to exercise or enforce any right or provision of these User T&C will not be deemed to be a waiver of such right or provision.
  • No Third-Party Beneficiaries or Rights: These User T&C do not create any private right of action on the part of any third party or any reasonable expectation that the Website or Services will not contain any content that is prohibited by these User T&C.
  • Complaints: In the event you have any complaint(s) pertaining to Services provided through this Website, please feel free to email us at info@strbd-tech.com and kindly provide your name, email address, physical address and contact numbers so that we may be in a position to verify details or check the authenticity of the complaints.
  • Assignment: You may not assign or otherwise transfer your rights or obligations under these User T&C. We may assign our rights and duties under these User T&C without any such assignment being considered a change to these User T&C and without any notice to you.
  • Notices: Any notices or other communications that you wish to send to us may be addressed to the registered office Client to provide for the same in the ‘Contact Us’.
  • Dispute Resolution: Any dispute relating in any way to your visit to the Website or to Services availed through the Website shall be submitted to arbitration in Mumbai, India, except that, to the extent you have in any manner violated or threatened to violate this Website’s intellectual property rights, We may seek injunctive or other appropriate relief in any court in India or internationally, and you consent to exclusive jurisdiction and venue in such courts.
  • The arbitration provisions hereunder shall be in accordance with the provisions of the Indian Arbitration and Conciliation Act, 1996. The Award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration pursuant to these User T&C shall be joined to an arbitration involving any other party subject to these User T&C, whether through class arbitration proceedings or otherwise.
  • We reserve the right to make changes to our Website, policies, and these User T&C at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.