TERMS & CONDITIONS

Last updated: January 2025

1. INTRODUCTION

Thank you for visiting the Platform. This document is an electronic record in terms of the Information Technology Act, 2000 and applicable laws and does not require any physical or digital signature. (hereinafter referred to as the “Agreement” or “Terms”). These Terms constitute a binding and enforceable legal contract between BankKaro (hereinafter referred to as the “Platform”, “We”, “Us”, “Our”, “BankKaro” and includes its respective legal heirs, representatives, administrators, permitted successors and assigns) bearing URL: https://www.bankkaro.com/ (“Website”) and a User (also referred to as “You”, “Your”, “Yourself”, “Member”) of the Platform.

 BankKaro and the User shall be collectively referred to as the “Parties” and individually as a “Party”.

The Platform is operated and owned by Pouring Pounds India Private Limited. The Platform through third parties shall access but not be limited to your credit information report, credit score, aggregate scores, inferences, references and details (together referred as “Credit Information”) whereby you provide your consent to such Credit Information being provided to the Platform and Partners (defined below) to assist and provide a medium to the Users to provide the required details and thereby apply for but not limited to credit cards, loans, (“Financial Products”) issued by banks and/or NBFCs and any other entity we have collaborated with (hereinafter also referred to as the “Partner”, or “Retailer” or “Bank”). [collectively referred to as “Services”]. By using the various Services available on the Platform, you consent to these Terms, guidelines and supplemental terms provided to you for the Services that you avail.

2. GENERAL

  1. The Terms, inclusive of the Privacy Policy and any other relevant terms found on the Platform including but not limited to the terms & conditions provided by the Bank and any statutory body (hereinafter collectively referred to as “Terms & Conditions”), are applicable and binding on the User. Users agree to adhere to these Terms & Conditions, which may be amended or replaced by us or the respective Partner. It is essential to thoroughly read and understand these Terms & Conditions before using the Platform or its services. Non-acceptance of any Term & Conditions warrants refraining from using the Platform or its Services.
  2. The headings and subheadings within these Terms & Conditions are provided for convenience and identification purposes only as they do not describe, interpret, define, or limit the scope, extent, or intent of these Terms & Conditions or the users’ rights to use the Website or any of its sections or pages. These Terms & Conditions supersede all previous oral and written terms and conditions communicated to you.
  3. You acknowledge that the Platform does not engage in the sale or purchase of goods/products and cannot ensure the quality or merchantability of items purchased or services availed. We function solely as a facilitator, acting as a liaison, and do not participate in or control transactions between you and the Partner. We bear no liability for mediating or resolving conflicts between you and Partner (Bank/NBFC). Additionally, the Platform does not endorse or guarantee the accuracy, reliability, or quality of products, services, or information provided by Partners or third parties. Any statements or representations made by Partners/banks or third parties are their own, and transactions with them are solely between you and the respective Partner, with you assuming all associated risks.
  4. We are not held accountable for the acts or failures of the Partner or for any breach of terms, representations, or guarantees by the Partner. We do not sell or retail any products and do not guarantee that the Partner will perform their obligations in relation to the transactions concluded via the Platform. We also explicitly disclaim any implicit or explicit guarantees or depictions regarding the quality, safety, merchantability, fitness for a particular purpose, or legality of the products & services listed and transacted and/or applied via the Platform.
  5. Be sure to visit this page periodically to review the most recent version of the Terms/Agreement.
  6. We will also notify you of material changes (if any) to the Terms via applicable channels as deem fit by us.
  7. The Platform may include links to third-party and/or Partner websites or content for your convenience. However, we neither endorse nor control the content, products, or services provided by these entities. Your use of third-party websites or engagement with their content is at your discretion and risk. Additionally, while we endeavour to provide accurate product information, we do not guarantee the accuracy, completeness, or reliability of product/service descriptions, pricing, or other information on the Platform. It is your responsibility to verify the accuracy of such information before utilizing the Services.
  8. While we make efforts to ensure the functionality and availability of the Platform, we do not guarantee uninterrupted, error-free, or secure access to the Website. Technical issues, maintenance activities, or other factors may cause interruptions, delays, or errors. We disclaim all liability for any losses or damage resulting from such interruptions or technical issues.These issues may arise due to factors beyond our control, such as server maintenance, internet connectivity issues, or technical glitches on the Partner’s end. While we will make every effort to address such issues promptly, users understand and accept that occasional disruptions may occur.
  9. You further acknowledge and consent that you are accessing and transacting through this Platform at your discretion and risk, and that you are exercising your best and reasonable judgment before entering into any transaction through the Platform.
  10. We assume no responsibility for any errors or inconsistencies made by Platform or third parties.
  11. We shall not be held liable for any failure to execute, or violation of any contract agreed between Partner and you.
  12. It is recommended that you thoroughly read the description, terms & conditions of the product or service before availing or applying for the services and/or products of the Partners.
  13. In the event that any product is displayed with inaccurate details as a result of a typographical error or error in the content of the deal understanding received by the Partner, we reserve the right to reject or revoke any orders/applications placed through such incorrect product details.
  14. All text, images, videos, user interfaces, visual interfaces, pictures, trademarks, logos, sounds, music, design documents, and artwork available on the Platform comprise a combination of Partner-provided or third-party material and our proprietary content. As an intermediary, we do not have control over third-party or user-generated material. Consequently, if you reproduce any third-party content from the Platform that infringes on any person’s Intellectual Property rights, you will bear full responsibility for any resulting liabilities or expenses, and we disclaim any responsibility for such actions.
  15. You must exercise no lesser degree of caution in entering into transactions with Partners than you 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 Partners, including without limitation, all claims and demands relating to incomplete or completed transactions/applications with Partners, or goods or services offered for sale or supply, or actually sold or supplied, through or in connection with any transactions/application with the Partners.
  16. We reserve the right to withdraw, modify, or suspend aspects of the Service, or the entirety of it. This includes but is not limited to instances where there is evidence of fraudulent activity, misuse of the Website, or violation of applicable laws or regulations. We will take such action, except where it is necessary for security reasons or because of technical difficulties which would otherwise adversely affect our Service.
  17. You agree to cooperate with audits and compliance checks by us, our Partners, or authorized representatives to ensure adherence to regulatory and contractual obligations. This includes providing access to records, systems, and personnel as needed. Noncooperation may lead to service termination or legal consequences. Audits will be conducted at our or the Partner's discretion, with reasonable notice unless urgent action is required.
  18. We reserves the right to modify, suspend, or discontinue any aspect of the Services provided on the Platform at any time, including the availability of any features, databases, or content. We shall not be liable to you or any third party for any such modification, suspension, or discontinuance of the Services.
  19. The Services provided by us through the Website is available and appropriate only for use in India.

3. ELIGIBILITY & MEMBERSHIP

  1. In order to access/use the Website, you are required to complete the registration and enrolment process provided on the Website. Your enrolment shall be at the sole discretion of us and its partnered Banks, which shall not be challenged by you.

In order to utilize the Platform to access its Services, you must adhere to the following criteria:

  1. You must be a natural person, meaning you should have a distinct legal identity.
  2. You must be at least eighteen (18) years old or older, possess the legal capacity to enter into agreements, fulfil obligations, and abide by these Terms. By accessing the Platform, you agree to comply with the terms and conditions outlined herein. Individuals under the age of 18 may access the Platform with the guidance and supervision of their parents and/or legal guardians. By accessing the Platform, you affirm that you possess the requisite rights, authority, and capacity to utilize its services.
  1. You acknowledge and accept that any use of the Platform is subject to compliance with applicable laws and regulations governing your jurisdiction.
  2. You are strictly prohibited from running any paid advertisements, including ads on platforms like Google, Facebook, or any other paid channels, that direct traffic to Partner(s) platform which is directly pointing towards the Platform. This includes brand bidding- using the Platform’s name or its Partner brands’ names in ads, keywords, or ad copy—which violates the Terms & Conditions. Any violation of this policy will lead to serious consequences, such as but not limited to immediate termination of the member’s account, potential legal action as required. The Platform enforces a zero-tolerance approach toward brand bidding and unauthorized advertising to protect its business integrity, partnerships, and brand reputation.
  1. Our membership to the Website is available through a registration process after you submit certain requested information on the Website. You must read and click on the checkbox to accept the prevailing Terms which you need to adhere to while availing the Services.

4. SCOPE

  1. We are a service provider facilitating and providing access between a Partner, which is willing to lend, and a User desirous of availing of Financial Product(s) provided by the Partner. The Partner shall comply with all applicable laws and regulations, including the guidelines and norms prescribed by but not limited to the Reserve Bank of India (RBI), Indian Banking Association (IBA) or any other statutory body. The final decision as regards to lending and borrowing is at the discretion of the Partner and the Users in their respective capacities as lenders and borrowers.The Website markets and promotes the Financial Products and provides such other facilitation resources-based services in partnership with the Partners to provide Financial Products to the Users.
  2. We are merely a facilitator providing a platform to any person in need of Financial Products and does not directly provide any financial services to the Users. We are a marketplace connecting Users with Partners to avail lending and Financial Product offered by the Partners. We are not an organization registered with the Reserve Bank of India, nor Financial Institution under the Companies Act, 2013 or the Banking Regulation Act, 1949 or any other laws for the time being in force in India or a deposit taking company or a chit fund or a company offering any investment schemes as per the rules and regulations for the time being in force in India.
  3. In the event you wish to avail any of the Financial Products displayed on the Platform, you will be required to provide the correct and updated information as displayed and required by us and the Partner. In the event you wish to delete any information provided on the Website by you, the same shall be communicated by you to us by writing an email on contact@bankkaro.com.
  4. We provide support to the Users in verifying the financial capabilities of Users by assisting the Users to obtain their credit report through agents partnered with us. We will monitor and update the credit report obtained by the User through the use of the Platform as and when we receive such report from the agents.
  5. We may, at our sole discretion, provide you with additional services and features based on the information provided by you or any statutory body. However, we do not guarantee the accuracy of the data extracted, and we disclaim any liability arising from its use.
  6. By using the Website and providing your personal or contact details, you consent to us, our affiliates, partners, and authorized third parties contacting you to share information about Financial Products, process your applications, address your requests, or provide follow-ups regarding the Services offered through the Website. You agree to receive such communications through, but not limited to:
    1. Phone, SMS, email, WhatsApp, other messaging services, mobile applications (if applicable); or
    2. Any other physical, electronic, or digital modes, even if your number is registered on the 'Do Not Disturb' (DND) list. You expressly waive any DND/NCPR preferences as per applicable TRAI regulations.
  7. Furthermore, you authorize us and our partners to share details about additional products, services, offers, or marketing campaigns via these communication channels, and you confirm that such communications are made with your consent.
  8. For the provision of our Services, we will collect, store, and share your information with multiple Partners, lenders, our group companies, vendors, service providers, and third parties, as needed, to offer you the best available Financial Products. This may include running credit checks and sharing your details with partner banks, financial institutions, and other third parties for marketing, cross-selling, or providing value-added services. You consent to receiving communications via but not limited to email, phone, or SMS from us or these third parties. If you no longer wish to receive such communications, you can request to stop future communications, but this will not affect data already shared with Partners. To stop communications from the Partners or third parties, you will need to contact them directly.The collection, storage, use, and transfer of your information will comply with applicable laws.
  9. We shall adhere to best industry practices including information security, data protection and privacy law while processing such applications. However, we shall not be liable to you against any liability or claims which may arise out of such transactions as any such personal information is being collected, used, processed and shared with your explicit consent.
  10. You agree and acknowledge that when undertaking any application pertaining to a Financial Product through the Website, we may conduct customer due diligence and request mandatory information required for Know-Your-Customer (KYC) purposes, which you are obligated to provide. This is necessary to process your applications for the Financial Product requested with the Partners, in compliance with applicable laws and regulations. We may collect sufficient information to confirm your identity and understand the purpose of your relationship with the Partner. You also agree that we may perform additional due diligence, including requesting further documentation, to meet User verification requirements under the applicable laws and regulations.
  11. In the event that any document or information
  12. shared by the User is found to be fake, invalid, forged, tampered with, or otherwise inaccurate at any stage of the application process or at any time thereafter, it shall be the sole responsibility of the Partner to perform thorough due diligence and verify the authenticity, validity, and accuracy of the documents provided by the User. The Partner shall also be liable for taking appropriate measures, including but not limited to reporting such discrepancies, initiating corrective actions, and ensuring compliance with applicable laws and regulatory requirements.
  13. You may use the Platform and Website solely to search for and apply for Financial Products displayed from time to time. By accessing or using the Website, you agree to use them only for lawful purposes and in compliance with these Terms & Conditions, applicable laws, and regulations. You must ensure that all information and documents submitted are true, accurate, and complete, and you shall not misrepresent any details or provide false, invalid, or forged information. You are strictly prohibited from submitting fraudulent applications, attempting to gain unauthorized access to any part of the Platform or Website, uploading or transmitting harmful code or malware, or engaging in any activity that may damage, disrupt, or compromise the security of the Platform, Website, or associated systems. Additionally, you must not use the Platform or Website for any purpose that is defamatory, abusive, obscene, or otherwise inappropriate.
  14. As the Website operates in India, you agree to comply with all applicable Indian laws, including but not limited to data protection, cybersecurity, and financial regulations. If you are a foreign national, you must also ensure compliance with the laws applicable in your jurisdiction in addition to Indian laws. You accept full responsibility for any misuse of the Platform or Website arising out of your actions, including indemnifying us against any claims, losses, or damages resulting from your breach of these Terms & Conditions.
  15. We reserve the right, at our sole discretion and without prior notice, to monitor usage of the Website, investigate any activity that violates the Terms & Conditions, and suspend, restrict, or terminate your access to all or any part of the Platform or Website if we determine any misuse, breach, or illegal activity. We may also take legal action as required to safeguard the Platform, Website, and associated systems from misuse or harm.
  16. By availing our Services, you agree to abide by the Terms & Conditions. Your continued use of the Platform’s Services after any modifications to the Terms & Conditions shall constitute your acceptance of such changes. Should you disagree with any modifications to the same, your sole recourse shall be to discontinue your use of the Platform’s Services.
  17. You must not enter into, or provide details of someone else on the Website while making an application which you are not entitled to use or is in breach of the Terms & Conditions. R.In the event you can view another User’s confidential information, you are required to send an email to us notifying us of the same immediately on contact@bankkaro.com.
  18. You hereby agree not to provide information about the functioning of the Platform on any public forum.
  19. You are a restricted User of this Platform. You agree not to duplicate, distribute, edit, reproduce, reverse engineer, disseminate, post, publish, or make derivative works from any information or software received from the Platform, transfer, or sell it. With our prior written approval, restricted usage may be permitted.
  20. You agree not to access (or attempt to access) the Website and/or the contents or Services using any means other than the Website’s interface or use of a deep link, robot, spider, or another automatic device, the program, algorithm, or any similar or equivalent manual procedure, to access, acquire, copy, or monitor any portion of the Platform or content, or to reproduce or circumvent the navigational structure or presentation of the Platform, materials, or any content, to obtain or attempt to obtain any materials, documents, or information through any means other than those expressly made available through the Platform. Further, You may report such offensive content by sending us an e-mail at contact@bankkaro.com.
  21. To avoid misunderstanding, it is clarified that limitless or wholesale reproduction, copying of the material available on the Website for commercial or non-commercial reasons, and unauthorized alteration of data and information within the Platform content are not authorized.
  22. We may decide to stop providing the Services and terminate your access to the Platform at any time without prior notice. Unless we inform you otherwise, upon termination: (a) the rights and licenses granted to you under these Terms & Conditions will end, and (b) you must stop using the Platform. We also reserve the right to suspend or discontinue any Service at our discretion and will not be liable to you in any way for doing so.
  23. In the event that any promotional offer is initiated by us, the details of such an offer will be communicated to you at our discretion. Adherence to the terms and conditions of the said offer will be mandatory, and we reserve the sole right to determine and implement any associated actions related to the offer.
  24. You shall not promote, copy, replicate the offers displayed on the Website on any other platform, website, third-party social media platform without taking prior written consent from us.

5. RELATIONSHIP BETWEEN THE PARTNER AND THE USER

The Users in order to avail the Financial Products and Services offered by the Partners and us, shall adhere to the individual terms and conditions of the particular Partner while applying or availing the Financial Product offered by the said Partner. The additional terms & conditions shared by the Partner are provided on the Website on an “as is” basis as received from the Partner under “______” section. It is the User’s responsibility to review and understand the Partner’s terms and conditions before applying for or availing any Financial Product. We are not responsible for any discrepancies, omissions, or updates in the terms and conditions provided by the Partner, as they are shared on the Website in the form received from the Partner.

6. RELATIONSHIP BETWEEN THE PARTIES

The relationship between the Platform and you are that of independent entities. Nothing in this Agreement creates or implies any partnership, joint venture, agency, employment, or franchise relationship between the Parties. You shall have no authority to bind or obligate us in any manner. Each party retains full control and discretion over its activities and operations. Furthermore, you acknowledge that you are not exclusive to us and may engage with similar or competing platforms or entities. The rights and obligations outlined in this Agreement are solely for the purposes outlined herein and do not extend beyond the scope of this Agreement.

7. DISCLAIMER OF WARRANTIES/LIMITATION OF LIABILITY

  1. The Platform, Services, and other materials provided by this Platform are on an "as is" basis without warranty of any kind, express, implied, statutory, or otherwise, including the implied warranties of title, non-infringement, merchantability, or fitness for a particular purpose.
  2. To the maximum extent permitted by applicable law, we will have no liability related to user content arising under intellectual property rights, libel, privacy, publicity, obscenity, or other laws. The Platform also disclaims all liability with respect to the misuse, loss, modification, or unavailability of any user content.
  3. You acknowledge that through this Platform, we merely act as a facilitator, to facilitate the highest quality services to you. We do not warrant that the functions contained in the Platform will be uninterrupted or error-free, that defects will be corrected, or that the Platform or the servers that make it available are free of viruses or other harmful components but shall endeavour to ensure your fullest satisfaction.
  4. We shall not be held responsible for the non-availability of the Platform during periodic maintenance operations or any unplanned suspension of access to the Platform that may occur due to technical reasons or for any reason beyond our control. You understand and agree that any material and/or data downloaded or otherwise obtained through the Platform is done entirely at your discretion and risk and you will be solely responsible for any damage to your computer systems or loss of data that results from the download of such material and/or data.
  5. We shall be liable for direct loss or damage only, whether in contract, tort (including negligence, breach of statutory duty, or other tort) or otherwise, and whether caused by our act or omission or that of our employees, agents, or subcontractors. The aggregate liability of us and the affiliated parties in connection with any claim arising out of or relating to the Platform and/or the products, information, documents, and services provided herein or hereby shall not exceed Rs 500/- and that amount shall be instead of all other remedies which you may have against us and any affiliated party to us.

8. INDEMNITY

  1. You hereby indemnify and keep indemnified, saved, defended, and harmless on a full indemnity basis the Platform and all persons claiming under us (“Indemnified Persons”), from and against all losses and/or damages arising as a result of any notices, proceedings, litigations, claims, penalties, demands, causes of action, judgments, liabilities, costs and expenses (including, without limitation, reasonable attorneys’ fees) that may allegedly arise out of, in whole or in part from:
    1. harm of any nature whatsoever, caused to the Platform or loss of any data or system slow-down experience on the Platform, by downloading or installing any code or any other content on the Platform by you.
    2. sharing or disclosing its login details with any other person.
  1. Any third-party claims arising out of your use of our Platform in any other manner than by the terms and conditions of this Agreement.
  2. Breach committed by you of any of its obligations under the terms and conditions of this Agreement.
  1. Though we take the utmost care and the most stringent measures to ensure that the information present on the Platform is accurate and up to date, we do not take any liability for any error or omission or any loss arising from the same.

9. GOVERNINGLAW AND DISPUTE RESOLUTION

  1. These Terms shall be governed by and construed by the laws of India. Any dispute, controversy, or claim arising out of or relating to this Agreement, including its formation, interpretation, performance, or termination, shall be exclusively resolved by the courts of New Delhi, India.
  2. In the event of a dispute, the parties shall first attempt to resolve the matter amicably through good-faith negotiations. If such negotiations do not result in a resolution within a reasonable period, either party may initiate legal proceedings under the governing law and jurisdiction specified herein.
  3. Both parties agree to submit to the personal jurisdiction of the courts of New Delhi to litigate any such dispute, controversy, or claim. We, in any such dispute, shall be entitled to recover its reasonable attorneys' fees and costs incurred in connection with resolving the dispute.

10. LIMITED ACCESS

  1. Certain sections of our Website are restricted. We retain the right, at our discretion, to limit access to other portions of our Website or our whole Website.
  2. If we discover any data leaks, we reserve the right to pause the Website without prior notification or explanation.

11. COMPLIANCE WITH APPLIABLE LAWS

The parties agree that they shall at all times and at their own expense (a) strictly comply with all applicable Indian laws, rules, regulations, and governmental orders, now or hereafter in effect, relating to the performance of this Agreement;, (b) pay all fees and other charges required by such laws, rules and regulations and orders; and (c) maintain in full force and effect all licenses, permits, authorization, registrations, and qualifications from all Indian Governmental departments and agencies to the extent necessary to perform its obligations hereunder.

12. CONFIDENTIALITY

We shall adhere to all obligations imposed by law regarding the handling, processing, and protection of your personal information (PI). Your personal data will be treated with confidentiality and care, and we will take appropriate measures to safeguard it against unauthorized access, disclosure, alteration, or destruction. These measures will be in compliance with the applicable data protection laws and regulations. Any disclosure of your personal data to third parties will be made in accordance with applicable laws and regulations, including obtaining your explicit consent when required. 

In the event of any breach of data protection laws or regulations, we will inform you promptly and take steps to address any potential adverse effects arising from such a breach. By using the Website, you agree to these Terms & Conditions and we shall not be held liable for any disputes arising from the handling of your personal data, except as required by law.

13. INTELLECTUAL PROPERTY RIGHTS

All the intellectual property used on the Platform (including the content) by the Platform, service providers, or any third party shall remain the property of the Platform, service provider, or any other third party, respectively, as the case may be. You agree not to circumvent, disable, or otherwise interfere with security-related features of the Platform or features that prevent or restrict the use or copying of any materials or enforce limitations on the use of the Platform or the materials therein. The Platform is protected to the maximum extent permitted by copyright laws, other laws, and international treaties. The content displayed on or through the Platform is protected by copyright as a collective work and/or compilation, under copyright laws. The materials on the Platform or otherwise must not be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted, or transmitted in any form or by any means by you, including but not limited to, electronic, mechanical, photocopying, recording or other means.

14. ASSIGNMENT

You shall have no right to assign or transfer any rights covered under these Terms, by operation of law or otherwise, except by our prior written consent. Transfer of the Terms, without our consent, will be null and of no effect. However, we reserve the right to transfer at its sole discretion any terms or every term of this Terms without restriction/obligation of any kind. 

15. SEVERABILITY

If any provision of these Terms is determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability shall attach only to such provision or part of such provision and the remaining part of such provision, and all other provisions of this Terms shall continue to be in full force and effect.

16. WAIVER

  1. No provision of these Terms shall be deemed to be waived and no breach excused unless such waiver or consent shall be in writing and signed by us.
  2. Any consent provided by us, or a waiver by us of any breach committed by You, whether expressed or implied, shall not constitute consent to, waiver of, or excuse for any other different or subsequent breach.

17. FORCE MAJEURE

Notwithstanding anything to the contrary contained herein, we shall not be liable for any delays or failures in performance resulting from acts beyond its reasonable control including, without limitation, acts of God, business slowdown, pandemic, epidemic, acts of war, or terrorism, shortage of supply, breakdowns or malfunctions, interruptions or malfunction of computer facilities, or loss of data due to power failures or mechanical difficulties with information storage or retrieval systems, labour difficulties or civil unrest.

18. NOTICES

All notices and communications shall be in writing, in English, and shall be deemed given if delivered personally or by commercial messenger or courier service or mailed by registered or certified mail (return receipt requested) or sent via email from support@earningshub.co.

19. SURVIVAL

The following clauses shall survive the expiration or termination of this Agreement:

Clause 5: Your Obligations, Clause 6: Payment, Clause 7: Relation between the Parties, Clause 8: Disclaimer Of Warranties/Limitation Of Liability, Clause 9: Indemnity, Clause 10: Governing Law and Dispute Resolution, Clause 11: Limited Access, Clause 12: Compliance with Applicable Laws, Clause 13: Confidentiality, Clause 14: Intellectual Property Rights

20. ENTIRE AGREEMENT

The Terms, together with any of the terms and conditions incorporated herein or referred to herein constitute the entire agreement between the Platform and you, relating to the subject matter hereof, and supersedes any prior understandings or agreements (whether oral or written) regarding the subject matter, and may not be amended or modified except in writing by us or by making such amendments or modifications available on this Platform.

21. REGISTRATION AND DATA PRIVACY

  1. The terms “personal information” and “sensitive personal data or information” are defined under the SPDI Rules, and are dealt with in the Privacy Policy, which the user has the responsibility to read and understand the usage of such information by the Platform.
  2. We may collect information relating to the devices through which you access the Website, and anonymous data of your usage. The collected information will be used only to improve the platform’s quality and build new services. You hereby authorize and permit us to collect the aforesaid information.
  3. We shall not be responsible in any manner for the authenticity of the personal information or sensitive personal data or information supplied by the user to us or any other person acting on behalf of the Platform.
  4. You are responsible for maintaining the confidentiality of your information. You shall be responsible for all usage of your information, whether or not authorized by the user. The user shall immediately notify us of any actual or suspected unauthorized use of the user’s information. Although we will not be liable for your losses caused by any unauthorized use of your information, you may be liable for the losses of the Platform or others due to such unauthorized use.
  5. If a user provides any information that is untrue, inaccurate, not current, or incomplete (or becomes untrue, inaccurate, not current, or incomplete), or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to discontinue the right of the user to use the Platform at our sole discretion.
  6. We may use such information collected from the users from time to time to debug customer support-related issues.
  7. We may disclose any information about you to law enforcement or other government officials as necessary or suitable in connection with the investigation and/or resolution of potential crimes, particularly those involving personal injury. This includes but is not limited to sharing information as required to comply with any law, regulation, or legitimate governmental request. It's important to note that such disclosures may occur if deemed necessary to protect the rights, property, or safety of our users, the public, or the Platform itself. Rest assured, any disclosure of your information will be carried out by applicable laws and regulations, and we will make every effort to safeguard your privacy to the fullest extent possible.
  8. You acknowledge that the processing of personal data, including sensitive personal data or information (PI data), is subject to various statutory regulations, including but not limited to the provisions of the Information Technology Act, 2000, and the rules and regulations framed thereunder, as well as the guidelines issued by the Reserve Bank of India (RBI) or any other relevant statutory body. This includes ensuring compliance with data protection laws and regulations to safeguard your privacy and security. By using our services, you consent to the collection, storage, and processing of your personal data in accordance with applicable laws and regulations.

22. GRIEVANCE OFFICER

In compliance with the Information Technology Act, 2000 and the rules made thereunder, Consumer Protection (E-Commerce) Rules,2020, the details of the Grievance Officer of the Platform for this Agreement are as follows:

Name: Qaisar Farooq 

Designation: Director of Customer Experience

Address: 2nd Floor, Gate Number 2, Plot No. 35P, UM House, Sector 44, Gurugram, Haryana 122003

Email ID: qaisar@cashkaro.com

In the event, that any aggrieved user, having any questions or intends to make a complaint regarding any violation of the provisions of these Terms, may send a written complaint to the Grievance officer who shall redress the complaint within 1 (One) month from receipt of the complaint.

Note: We at Our discretion may modify the aforesaid details from time to time. Providing false, misleading, or inaccurate information to the grievance officer may result in civil and/ or criminal liability.

Company

About UsContact UsBlog

Features

The Card ShopFuel Credit Card CalculatorShopping Credit Card Calculator

Legal

Terms Privacy

We value your time and privacy. Your details are secure and used only to assist you better.

© 2025 BankKaro
Powered by Pouring Pounds