By using BankCircle’s products, software, services and web sites (referred to collectively as the “Services”), you understand and agree that BankCircle will treat your use of the Services as acceptance of these terms and conditions (“Terms”) from that point onwards. “BankCircle” means Inovatiq Technologies (OPC) Private Limited, whose principal place of business is at 202, H-7, Aggarwal Plaza, Netaji Subhash Place, Pitampura, New Delhi 110034, INDIA. In order to use the Services, you must first agree to the Terms. You may not use the Services if you do not accept the Terms. “Website” refers to all BankCircle's web sites.

 We recommend you study these terms and conditions for future reference.

 Proprietary rights


You acknowledge and agree that BankCircle owns all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights are registered or not, and wherever in the world those rights exist). You further acknowledge that the Services may contain information which is designated confidential by BankCircle and that you shall not disclose such information without BankCircle’s prior written consent. You may not copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of BankCircle’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.

Usage of the Website


The Website is intended for personal, non-commercial use. Only register to become a member of the Website if you are of sufficient legal age and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission). You may only use the Website to search for and to apply for loans, credit cards and other personal finance products and you may not use the Website to make any fraudulent applications. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. We're running the Website in India, so remember that by using the Website, we need you to agree to comply with laws that apply to India and your own country, including laws that apply to exporting technical data. We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.

You shall provide true, accurate, current and complete information about yourself and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services and ancillary services by or through Company. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the Website or use of the Services. Additional terms and conditions will apply to your purchase of services that you select. Please read these additional terms and conditions carefully.

Customer Due Diligence requirements


You agree and acknowledge that for undertaking any financial transaction through the website, Our Company may undertake client/customer due diligence measurers and seek mandatory information required for KYC purpose which as a customer you are obliged to give, while facilitating your request of loan/credit card/mutual fund etc. requirements with the banks/financial institutions, in accordance with applicable PMLA laws and rules. Our Company may obtain sufficient information to establish, to its satisfaction or the banks/financial institutions, the identity of each new customer, and the purpose of the intended nature of relationship between you and the bank/financial institution. You agree and acknowledge that Our Company can undertake enhanced due diligence measures(including any documentation), to satisfy itself relating to customer due diligence requirements in line with the requirements and obligations under the applicable PMLA Act and rules.

By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for BankCircle or the banks/financial institutions to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active BankCircle account. I further authorize BankCircle to retain a copy of my information for use in accordance with the terms of use of this service.

Website Usage Terms


You shall not upload, publish, transmit, update, modify, share, host or display any information that:

  • Is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
  • Infringes any patent, trademark, copyright or other proprietary rights;
  • Deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
  • Contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
  • Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting any other nation.

Our Partners


BankCircle's display on or through the website of loan, credit card or other personal finance product options offered by third parties does not in any way imply, suggest, or constitute any sponsorship or approval of BankCircle by any such third parties. BankCircle's display of specific options does not suggest a recommendation by BankCircle of the third parties or their loan, credit card and other personal finance products. You agree that BankCircle is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and BankCircle will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

INDEMNITY


You agree to indemnify and hold BankCircle (and its officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Website.

Privacy Policy


By using the Website, you hereby consent to the use of your information as we have outlined in our Privacy Policy. This Privacy Policy explains how Company treats your personal information when you access the Website and use other ancillary Services.