Terms and Conditions

Terms and Conditions

These Terms and Conditions ("Terms") govern your use of Claban Infotech's services and website. By accessing or using our services, you agree to be bound by these Terms.

1. Introduction

Claban Infotech is a microfinance institution providing financial services including loans, savings, and related financial products. These terms apply to all users of our services, including borrowers, savers, and website visitors.

2. Acceptance of Terms

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

3. Services Description

Claban Infotech provides the following services:

• Microfinance loans for various purposes
• Savings and deposit products
• Financial advisory services
• Digital banking solutions
• Insurance products (where applicable)

4. User Accounts

To access certain services, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Providing accurate and up-to-date information

5. User Obligations

As a user of our services, you agree to:

• Provide accurate and complete information
• Comply with all applicable laws and regulations
• Use our services only for lawful purposes
• Maintain the security of your account
• Pay all applicable fees and charges on time

6. Prohibited Activities

You may not use our services for:

• Any illegal or unauthorized purpose
• Money laundering or terrorist financing
• Fraudulent activities
• Circumventing security measures
• Interfering with our systems or services

7. Intellectual Property

All content, trademarks, and intellectual property on our website and in our services are owned by Claban Infotech or our licensors. You may not use, copy, or distribute our intellectual property without written permission.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. Use them at your own risk.

9. Disclaimer of Warranties

Our services are provided "as is" without warranties of any kind. We do not guarantee that our services will be uninterrupted, error-free, or free from viruses or other harmful components.

10. Limitation of Liability

To the maximum extent permitted by law, Claban Infotech shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

11. Indemnification

You agree to indemnify and hold harmless Claban Infotech from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

12. Governing Law

These Terms are governed by the laws of India. Any disputes arising from these Terms shall be subject to the jurisdiction of the courts in Kolkata, West Bengal.

13. Dispute Resolution

Any disputes shall first be resolved through good faith negotiations. If unsuccessful, disputes may be referred to arbitration in accordance with the Arbitration and Conciliation Act, 2015.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on our website and will become effective immediately. Your continued use of our services constitutes acceptance of the modified Terms.

15. Termination

We may terminate or suspend your access to our services at any time, with or without notice, for any reason, including violation of these Terms.