Welcome to the official website of The Merchants Souharda Sahakara Bank Niyamitha (hereinafter referred to as “the Bank”). By accessing or using this website (hereinafter referred to as “the Website”), you agree to comply with and be bound by these Terms & Conditions. Please read carefully.
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1. Ownership and Purpose
1. The Bank owns and operates this Website.
2. The Website is designed to:
o Provide information about the Bank, its products, services, and facilities.
o Enable communication between the Bank and its customers or visitors.
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2. Acceptance of Terms
1. Accessing or using the Website constitutes acceptance of these Terms, including any future updates or modifications.
2. Continued use indicates acceptance of changes.
3. Users are responsible for periodically reviewing the Website for updates.
4. All users of the Website are required to read, understand, and agree to these Terms & Conditions.
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3. Intellectual Property Rights
1. All content on the Website—including text, images, logos, graphics, videos, audio, software, and data—is the property of the Bank or its licensors.
2. Protected under copyright, trademark, and other intellectual property laws.
3. Users may view, download, or print content for personal, non-commercial purposes only.
4. Commercial use, reproduction, distribution, modification, or creation of derivative works requires prior written consent from the Bank.
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4. Permitted and Prohibited Use
1. Users agree not to:
o Use the Website for any unlawful, unauthorized, fraudulent, or malicious purpose.
o Attempt unauthorized access to the Website, its systems, or data.
o Introduce viruses, malware, or harmful software.
o Interfere with the Website’s operation or other users’ access.
2. The Bank may restrict, suspend, or terminate access for violations of these Terms.
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5. Software, Systems, and Security
1. All software, systems, and hardware supporting the Website are owned by the Bank or its service providers.
2. Access does not confer any ownership or proprietary rights.
3. Users must not tamper with, reverse engineer, decompile, or create derivative works from these systems.
4. Customers must comply with all security procedures, guidelines, or recommendations issued by the Bank.
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6. Products and Services
1. Products or services displayed on the Website may not be available in all locations or to all users.
2. The Bank reserves the right to determine eligibility, availability, modification, or discontinuation of any product or service at its discretion.
3. The Bank is not responsible for ensuring access to specific products or services for all users.
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7. Cookies and Tracking
1. The Bank may use cookies or similar technologies to enhance user experience, analyze Website usage, and store user preferences.
2. By continuing to use the Website, users consent to such use.
3. Refer to the Bank’s Privacy Policy for detailed information on data collection, storage, and processing.
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8. Third-Party Links
1. The Website may include links to third-party websites for convenience.
2. The Bank does not control, endorse, or verify the content, services, or privacy practices of these external sites.
3. Accessing third-party websites is at the user’s own risk, and the Bank is not liable for any loss or damage arising from such access.
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9. Customer Responsibilities
1. Users must keep login credentials, authentication codes, and other security information confidential.
2. Users must ensure all information provided to the Bank is accurate, complete, and updated promptly.
3. Users are responsible for all instructions or transactions executed through their account using their credentials.
4. Users must comply with all Bank security procedures and recommendations.
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10. Privacy and Data Protection
1. The Bank’s Privacy Policy governs how personal data is collected, stored, used, and shared.
2. By using the Website, users consent to the Bank’s practices as outlined in the Privacy Policy.
3. Personal data may be processed to provide services, enhance user experience, and comply with legal obligations.
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11. Disclaimer and Limitation of Liability
1. The Bank makes reasonable efforts to provide accurate and timely information but does not guarantee completeness or reliability.
2. The Bank is not liable for:
o Losses due to website errors, interruptions, or technical failures.
o Indirect, consequential, or punitive damages, including loss of profits, data, or goodwill.
o Losses or damages arising from third-party services or external links.
3. Use of the Website is at the user’s own risk.
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12. Force Majeure
1. The Bank is not liable for any failure or delay in performing its obligations caused by events beyond its reasonable control, including:
o Natural disasters, system failures, cyberattacks, power outages, strikes, government actions, or other force majeure events.
2. During such events, the Bank’s obligations are suspended.
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13. Amendments and Termination
1. The Bank may amend, update, or modify these Terms at any time.
2. Users are responsible for reviewing the Website for updates.
3. Access may be suspended or terminated for:
o Misuse, fraud, or suspicious activity
o Non-compliance with these Terms
o Legal or regulatory requirements
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14. Fees and Charges
1. Any fees or charges associated with products or services are governed by the Bank’s Schedule of Fees and Charges.
2. Users are responsible for understanding applicable charges before using any service.
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15. Governing Law and Jurisdiction
1. These Terms are governed by the laws of India.
2. Any disputes arising from the use of the Website shall be subject to the exclusive jurisdiction of courts in Chitradurga, Karnataka.
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16. Relationship with Other Terms
1. These Website Terms & Conditions are supplementary to other agreements governing the Bank’s products, services, or accounts.
2. They do not replace or override any existing contracts or agreements between the Bank and its customers.