Terms of service
Last updated: September 2026
These Terms govern use of the guarantor.am website and, at a high level, the Guarantor platform. They form an agreement between you and Guarantor. If you are a company issuing guarantees, your use of the platform is additionally governed by the Guarantor Platform Services Offer you accept when you register, which prevails over these Terms for anything concerning the platform itself.
1. Definitions
1.1. "Platform" means Guarantor's web, mobile, and API software through which a Partner manages its company profile and issues guarantees, and through which a Consumer views and verifies guarantees issued to them.
1.2. "Partner" means a company or individual entrepreneur registered on the Platform to issue guarantees to its customers.
1.3. "Guarantor", "we", or "us" means the operator of the Platform and of this website.
1.4. "Consumer" or "Customer" means a natural person for whose benefit a Guarantee Record is created.
1.5. "Guarantee Record" means a digital record created on the Platform, documenting the terms of a guarantee a Partner has undertaken toward a Consumer.
1.6. "Public Offer" means the Guarantor Platform Services Offer that a Partner accepts upon registration, which governs its use of the Platform in full.
1.7. "Site" means the guarantor.am website.
2. Scope and acceptance
2.1. These Terms apply to any visitor of the Site.
2.2. A Partner's use of the Platform is additionally governed by the Public Offer accepted at registration; where these Terms and the Public Offer conflict as to the Platform, the Public Offer prevails.
2.3. A Consumer's use of their Guarantor account is governed by the terms presented within that account.
3. Acceptable use
3.1. You may access and browse the Site for its intended informational purpose.
3.2. You must not interfere with or disrupt the Site's operation or security, extract data from it by automated means beyond ordinary search-engine indexing, misrepresent your identity or affiliation, or use the Site for an unlawful purpose.
4. Nature of a guarantee
4.1. A Guarantee Record reflects an undertaking made by the Partner that issued it, not by Guarantor.
4.2. Guarantor provides the Platform, the digital signature and verification mechanism, and supporting tools; Guarantor is not itself a guarantor, insurer, or warrantor of the underlying product or service.
4.3. Responsibility for honoring the terms of a Guarantee Record rests with the issuing Partner.
5. Intellectual property
5.1. The Guarantor name and logo, and the Site's and Platform's design and code, are owned by Guarantor or its licensors.
5.2. Names, logos, and product or service content belonging to a Partner and displayed on the Site remain the property of that Partner.
5.3. No license is granted to use Guarantor's or a Partner's intellectual property, other than as necessary to view the Site in a standard web browser.
6. Availability and disclaimer
6.1. We take reasonable measures to keep the Site and Platform available, accurate, and secure, but do not warrant uninterrupted or error-free operation.
6.2. To the extent permitted by applicable law, the Site and its content are provided without warranties beyond those expressly stated here or in the Public Offer.
7. Changes to these Terms
7.1. We may amend these Terms as the Site or Platform evolves.
7.2. The current version is always available at this page; continued use of the Site after a change constitutes acceptance of it.
8. Governing law and contact
8.1. These Terms are governed by the laws of the Republic of Armenia.
8.2. Please raise any dispute informally first, at hello@guarantor.am; unresolved disputes are subject to the competent courts of the Republic of Armenia.