1. Introduction:
Welcome to BankKaro. This platform is integrally connected with CashKaro and as such, the terms and conditions of CashKaro are to be read in conjunction with those provided herein. At the outset it is clarified that any and all cashback earned through BankKaro shall be tracked back to the user account on CashKaro. The Cashback Service for this website is operated by Pouring Pounds Ltd and/ or Pouring Pounds India Private Limited ("We", "Us", "CashKaro", “BankKaro” or “Our” where such expression shall unless repugnant to the context thereof, be deemed to include its respective legal heirs, representatives, administrators, permitted successors and assigns). Please read these terms and conditions ("Terms and Conditions" or "Agreement") carefully as they contain the legal terms and conditions that you agree to when you use the service provided by us through the BankKaro Website (“Platform”, “Website”)
2. Membership:
Our membership is available through registration process on CashKaro after you submit certain requested information on the Cashkaro homepage. During registration the current Terms and Conditions for CashKaro shall be available for your perusal. To avail/ receive any cashback, it is mandatory to be a member on CashKaro. Any cashback amount due to you by way of your use of BankKaro shall be credited back to your membership account on CashKaro.
Please be aware that no member of BankKaro/ CashKaro is allowed to run any paid ads on Google, Facebook or any other platform pointing to CashKaro. If the member does not comply with this then it would result in immediate termination of his/her account.
3. Our Service:
Credit Cards/ Debit Cards/ Financial Product offerings
Through this BankKaro Platform, we shall put before you a number of credit card offerings/ debit card offerings/ other financial product offerings as have been provided to us by a number of bank(s)/ financial entity(s) ("Financial Entity"). It is clarified that none of these product offerings are directly or indirectly in any way or form related to CashKaro or BankKaro or any other related entities. These offerings are provided to the user by the Financial Entity itself and any/all communication regarding specific products shall take place directly between the user and the Financial Entity.
Cashback Service:
Our Cashback Service allows only users who register on the Cashkaro Platform ("Members") and therefore create an account with us ("Account") to earn cashback on successfully applying for and obtaining credit cards/ debit cards/ any other financial products belonging to Financial Entity(s) on the BankKaro Platform. To qualify for cashback, the Financial Entity must confirm that the Member's application for credit card/ debit card/ any other financial product has been successfully approved AND credit card/ debit card/ financial product dispatched to the Member (constituting a "Qualifying Transaction"), AND your resulting cashback in the form of fees/ lead generation fee must be received by us (becoming “Cashback” as a result).
In the event that the Financial Entity does not track a transaction/ dispatch the financial product using their tracking system, then such transaction might not be paid to CashKaro, and hence any due or expected Cashback from these transactions will also not be paid to the Member.
4. Becoming a Member:
If You are a natural person, (i) as a condition to Your use of the Platform, You must be 18 (eighteen) years of age or older; and (ii) by visiting the Platform or accepting these Terms and Conditions, You represent and warrant to BankKaro that You are 18 (eighteen) years of age or older, and that You have the right, authority and capacity to use the Platform and agree to and abide by these Terms and Conditions. You must register for the Cashback Service using accurate and current information about yourself on the CashKaro platform - including your correct name, address and any other requested details. If you are asked for, and provide, details of a bank account or Cheque payment details or other payment mode details into which you wish to receive payments (your "Cashback Receipt Method"), you (a) must ensure that you are, and remain, fully entitled to use that Cashback Receipt Method, and (b) confirm that you wish to receive cashback through that Cashback Receipt Method. You should keep this information updated through your Account. Please note that Cashback payments by Cheque carry an additional fee of Rs 30 to cover for administrative costs.
Generation and collection of ‘Sensitive Personal Data or Information’ is in accordance with Information Technology Act, 2000 as amended from time to time and allied rules requires the User’s express consent. By affirming assent to this Policy by clicking on the “I agree with Terms and Policy” button at the time of registration, the User provides consent to such information generation and collection as required under applicable laws
Note that your Cashback Receipt Method (such as NEFT, Cheque, Gift Cards or other payment modes as We may introduce) may have rules about the maximum or minimum payment that you can receive through that Cashback Receipt Method.
Important: You must ensure that the email address and mobile number we hold for you is kept up-to-date and that you have full access to it - we will be sending you important messages there. If you change email address or mobile number, then you must change the details we hold for you on your Account.
5. Cashback:
After a Member successfully completes a Qualifying Transaction i.e. successfully applies for, and receives a dispatch notification with regards a credit card/ debit card/ any other financial product from the Financial Entity, and once we have received the resulting Cashback for that Qualifying Transaction, we pass that Cashback to the Member through his/her Cashback Receipt Method via their CashKaro account.
Please note that there are various circumstances in which a transaction with a Financial Entity may not constitute a Qualifying Transaction, or Cashback may not result from it. The Member understands that all communications/ transactions/ applications made by him/her are not with us, but with the specific Financial Entity. Our help pages provide further information about these circumstances. Further, from time to time Financial Entities may increase or decrease the fees paid – in which case the Cashback offer illustrated on our Platform may need correction. By default, your Qualifying Transactions will be credited in line with the commission/ fees reported to us by the Financial Entity, which may be more or less than the advertised rate. We shall not be liable for any difference in the expected Cashback by the Member and the actual Cashback received by the Member.
It is clarified that all Qualifying Transactions shall be confirmed by the Financial Entity. Once the Qualifying Transaction has been confirmed to your Cashkaro Account, we will credit your Account with a 'pending payment'. Once the Financial Entity confirms the transaction and dispatch of Financial Product, the payment will be marked as 'validated' – this can take 90 days or more from the date of the dispatch of financial product.
Whether a transaction shall qualify as a Qualifying for Cashback shall be at the sole discretion of the Financial Entity or us and the Member understands and agrees to the same. We shall not be held responsible if the Financial Entity fails to report dispatch of a Financial Product to us or does not qualify a transaction as Qualifying Transaction. Further, we shall not be responsible in the event due to some technical or other error we cannot trace dispatch of Financial Product back to the Member and does not qualify the transaction as a Qualifying Transaction or or any reason whatsoever. Whilst we will endeavour to recuperate non-payments from the Financial Entity, the decision of ourselves, the Financial Entity or Financial Entity’s tracking agent is final. Whilst we will try and recuperate missing commissions/ fees, at any point we reserve the right not to chase missing commission/ fees claims, particularly where no Financial Product has been issued.
Further, in the event that the Financial Entity feels that the issuance of a Financial Product is not genuine for any reason whatsoever and we do not receive any Cashback/ Fees for the transaction, the Member will not receive any Cashback.
When a Member sends us an enquiry on missing Cashback, our system would check if the Member had provided basic data for a Financial Product and had an exit click from our Platform for that Financial Entity on the date mentioned by the Member. If no data or exit clicks can be tracked, then we will show a message to the Member indicating that they did not provide any data or click via our website to earn Cashback prior to the Qualifying Transaction. All data and exit clicks to Financial Entities are saved in the database for cross reference on adding Cashback values. Where a commission enquiry has been successfully paid by a Financial Entity, you may receive a lower amount than expected; this is due to the amounts received by ourselves possibly being lower than the original claim. We do allow you to query this with us. If a Financial Entity still hasn't paid a manual commission claim after a period of six months, then we reserve the right to close the enquiry claim. All payment for Missing Cashback is only applicable in instances where the Financial Entity pays CashKaro.
We reserve the right to reclaim or make balance adjustments accordingly where it has been established that any credit has been applied in error. This will include but is not limited to transactions where the credit is not genuinely due or payment for any credited transaction has not been received from a Financial Entity or its agencies and/or misuse or fraud. This can include transactions which are already marked as payable or validated in your Account, or for transactions which have already been paid over to you by NEFT, Cheque, Gift Cards or any other payment modes as We may introduce from time to time. In all such incidences, CashKaro has the right to recover all unduly paid Cashback which the Member is not entitled to earn, through legal proceedings.
There are various circumstances in which Cashback will not be payable to the Member, and will be forfeited to us, these could be, without limitation:
Our help pages provide further information about these circumstances.
6. Your Account:
You can withdraw your validated Cashback when you have at least Rs 250 in your Account. In the event the Member decides to close the Account with us, and if at such time of closure, the validated Cashback in your account is less than Rs 250 then the entire amount will be forfeited. If the validated Cashback in your account is Rs 250 or above, then you can request payment of the same via any of the Cashback Receipt Methods. Cashback payments by Cheque carry an additional fee of Rs 30. This is charged by our Bank to cover administration and postage costs. We have the discretion to forfeit any such validated balance showing on your Account for the reasons provided elsewhere in this Agreement.
7. Intellectual Property:
You acknowledge that all copyright, trademarks, and other intellectual property rights in and relating to the Platform (including the material which is contributed by Members or Financial Entities) are owned by, or licensed to, us. It is easy to copy material which appears on web-sites, but this does not mean it is legal. Therefore, no-one may copy, distribute, show in public or create any derivative work from the Platform, or any of the material which is found on the Platform unless properly licensed to do so by us.
By uploading or including any material on the Platform, a Member expressly grants:
8. Privacy Policy:
Our Privacy Policy forms part of this Agreement, and by entering into this Agreement you also give your consent to the way we handle your personal data under that policy. Given the global nature of the World Wide Web, please note that a posting on the Platform may be accessible to internet users around the world.
9. Our Role:
We are not a party to any transactions/ communications/ relationships that a Member may have with Financial Entities listed on the platform, and are not the seller or supplier of any of the Financial Products or services that the Financial Entities make available. Thus, we do not have any of the legal obligations that apply to the sellers of those goods or services.
Accordingly, we have absolutely no control over or responsibility for:
Members should exercise no lesser degree of caution in entering into transactions with Financial Entities than they would when entering into a similar transaction offline. To the extent that the Applicable Law permits, you release us, our agents and employees from ALL liability arising out of or in connection with any transactions with the Financial Entities, including (without limitation) all claims and demands relating to uncompleted or completed transactions with Financial Entities, or financial products, goods or services offered for sale or supply, or actually sold or supplied, through or in connection with any transactions with Financial Entities.
It is also clarified that Members must exercise caution while sharing any and all personal/ sensitive data with the Financial Entity. Members agree that BankKaro, Cashkaro and all our affiliated entities/ agents/ directors/ employees etc. shall be released from ALL liability arising out of or in connection with any loss, illegal use, exposure and/or release of personal/ sensitive data belonging to the Members.
10. Misuse:
We reserve the right to suspend or terminate any Members access to our service, or parts of it, if in our reasonable view the relevant Member or Account appears to be in breach of any provision of this Agreement.
Members must not enter into, or attempt to enter into, any transaction with a Financial Entity or to gain Cashback (a) by providing personal information of someone else, or a payment method which they are not entitled to use, (b) by deceptively or unfairly exploiting a Financial Entity’s offering or (c) in breach of any terms and conditions applied by us or the Financial Entity to that transaction. We reserve the right to forfeit any pending payments or validated payments in the Member's Account in case of such misuse of our service by the Member.
It is each Member's obligation to ensure that any material posted by him/her or associated with his/her Account:
Notwithstanding anything contained elsewhere in this Agreement and the Privacy Policy, we reserve the right to investigate complaints or reported violations of this Agreement and to take any action we deem appropriate, including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your Account, email addresses, usage history, posted materials, IP addresses and traffic information. Any Member, who in the sole discretion of the Financial Entity or us, has committed fraud in use of the Platform or our Cashback Service or misused the Platform or the Cashback Service, their Account will be closed, email and IP address will be blacklisted so they cannot use it again and cannot register from the same PC.
If you see or experience anything on our Platform that appears to infringe any of the above requirements, we would like you to inform us by using our contact form.
Each Member acknowledges that we are entitled, but not obliged, to withdraw any material, which appears - based on information received from third parties or other Members - to be in breach of this Agreement.
11. Contact from third parties:
If anyone contacts us in relation to material or transactions associated with you or your Account, then you agree:
12. Additional services:
We or our partners may offer new or additional services through the Platform from time to time. Your use of those services may be subject to additional terms and conditions, which you must comply with. Provided that those terms are notified to you on the Platform in an appropriate manner (as determined by us in our reasonable discretion) when you agree to take those services, any failure by you to comply with a material provision of the terms governing those services will amount to a breach of this Agreement.
13. Operation of our Cashback Service:
We reserve the right to withdraw, modify or suspend aspects of the Cashback Service, or the entirety of it, where we have legal, security, technical or commercial reasons to do so. We will endeavor to give you 30 days advance notice before taking such action, except where it is necessary to take earlier action for security reasons or because of technical difficulties which would otherwise adversely affect our service. There may also be times when the Cashback Service becomes inaccessible as a result of technical difficulties experienced by us or on the Internet; we will, however, use reasonable skill and care to overcome these difficulties where they are within our control. Please note, however, that we cannot guarantee continuous access to the Cashback Service or any of the content that appears on it.
Nevertheless, we will strive to ensure that any periods of planned unavailability, which you will be informed of when you access the Cashback Service at the relevant time, are kept to a minimum.
For security or other reasons, we may require you to change password or other information which facilitates access to the Cashback Service; however, we will never ask you for your password via email, telephone, or any other means other than through the Platform. You are solely responsible for maintaining the confidentiality of your password and any additional identifying information.
14. Disclaimer and Limitation of Liability:
Disclaimer:
The content and material from or through the Platform with regards Financial Products offered by the Financial Entities are provided "as-is," "as available," with "all faults", and all warranties, express or implied, are disclaimed (including but not limited to the disclaimer of any implied warranties of merchantability, non-infringement, freedom from error, and fitness for a particular purpose). The information and services may contain bugs, errors, problems or other limitations. We and our affiliated parties have no liability whatsoever for your use of any information or service, except as provided in sub-section 14(c) and 14(d). In particular, but not as a limitation thereof, we and our affiliated parties are not liable for any indirect, special, incidental or consequential damages (including damages for loss of business, loss of profits, savings, litigation, or the like), whether based on breach of contract, breach of warranty, tort (including negligence), product liability or otherwise, even if advised of the possibility of such damages. The negation and limitation of damages set forth above are fundamental elements of the basis of the agreement between us and you. This Platform and the products, services, documents, content and materials and information presented would not be provided without such limitations. No advice or information, whether oral or written, obtained by you from us through the Platform or otherwise shall create any warranty, representation or guarantee not expressly stated in this agreement. All responsibility or liability for any damages caused by viruses contained within the electronic file containing a form or document is disclaimed.
Liability:
The provisions of this Clause 14 shall survive the termination or expiry of this Agreement.
15. Third Party Content:
Third party content and materials may appear on the Platform or may be accessible via hyperlinks from the Platform. We are not responsible for and assume no liability whatsoever for any mistakes, misstatements of law, defamation, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content and materials appearing on the Platform or accessible via hyperlinks from the Platform.
16. Communications:
You hereby expressly agree to receive communications by way of SMS, e-mails, mobile app and browser notifications, and any other messages from time to time from BankKaro, CashKaro relating to Services provided through the Website.
You specifically understand and agree that by using the Website you authorize BankKaro , its affiliates, partners and third parties to contact you for any follow up calls in relation to the Services provided through the Website and for offering or inviting your interest in availing any other product or service offered by BankKaro or such third parties. You agree and consent to receive communications relating to all of the above on your phone/mobile number provided by you on the Website and expressly waive any registration or preference made under DND/NCPR list under the applicable TRAI regulations.
17. Indemnity:
You agree to indemnify us against all liabilities, claims and expenses that may arise out of or in connection with (a) any breach of this Agreement by you or through your Account, or (b) any transaction with a Financial Entity.
18. Assignment:
We reserve the right to assign this Agreement, and to assign or subcontract any or all of our rights and obligations under this Agreement, but will not do so in such a way as to reduce any guarantees you are given under this Agreement. You may not without our written consent assign or dispose of this Agreement, nor subcontract any of your rights and obligations under it.
19. Entire Agreement:
This Agreement is intended to contain your entire agreement with us relating to the Cashback Service; we believe it to be fair and reasonable. It replaces all earlier agreements and understandings with you relating to the Cashback Service, except for any fraud or fraudulent representation by either of us.
20. Changes to this Agreement:
We reserve the right to change this Agreement from time to time, and post the new version on the BankKaro platform or CashKaro platform or Cashback Service. When we do so, we will post the new version of the Agreement on the platforms/ Cashback Service, and the new version of these terms and conditions will take effect, and will govern the Cashback Service and your relationship with us:
21. General:
In the event that any term of this Agreement is held to be invalid or unenforceable, the remainder of this Agreement shall remain valid and enforceable. You and us are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.
22. Governing Law:
This Agreement, and our relationship with you and each Member, is governed as per the Indian Laws. You and we each submit to the non-exclusive jurisdiction of the courts in New Delhi in relation to disputes arising in connection with this Agreement.
23. Keeping this Agreement:
We don't separately file the individual Agreements entered into by Members when they register on www.cashkaro.com for the Cashback Service. Please make a durable copy of this Agreement by printing and/or saving a downloaded copy on your own computer. It is offered in English only.
24. Contact:
You can reach us on 'contact@bankkaro.com'.