Introduction

By using this website, you agree to be bound by these terms and conditions ('Terms'). If you do not agree to these Terms, please do not use this website.

These Terms set out your rights and obligations in relation to Shree Laxmi Co-Op Credit Society Ltd ('Company', 'we', 'our', or 'us').

Use of Website

You agree to the following conditions for using this website:

• You will use this website in accordance with all applicable laws and regulations.
• You will not attempt to breach or disrupt the security of the website.
• You will not knowingly introduce any viruses, malware, or other harmful code to our website.
• You will not use any part of our website for illegal, immoral, or unauthorized purposes.

Account Registration

To use some of our services, you may need to create an account. During account registration, you agree to:

• Provide accurate, current, and complete information.
• Keep your account information updated.
• Maintain the confidentiality of your login credentials and take responsibility for all activities that occur through your account.
• Notify us immediately of any unauthorized use of your account.

Financial Services

By using our financial services, you acknowledge that:

• All financial services are subject to regulations and rules of the Reserve Bank of India (RBI).
• You will need to complete the Know Your Customer (KYC) process to use our financial services.
• All our financial products and services have their specific terms and conditions, which you must accept before using them.
• There are risks associated with financial services, and all investments or transactions are subject to market conditions and other factors.

Intellectual Property

The website and its contents (including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software) are the property of us or our licensors and are protected by Indian and international intellectual property laws.

Except for viewing and downloading website content for your personal, non-commercial use, you may not modify, copy, distribute, transmit, display, publish, license, create derivative works from, sell, or use for commercial purposes any content from our website without our prior written permission.

Disclaimer

Our website and services are provided on an 'as is' and 'as available' basis, without warranties of any kind, either express or implied. We make no warranties or representations regarding the use, suitability, accuracy, or reliability.

We do not guarantee the continuous, error-free operation of the website, the accuracy, quality, or reliability of any content on the website.

Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use or inability to use this website, or its content or any product or service, even if we have been advised of the possibility of such damages.

Indemnification

You agree to defend, indemnify, and hold harmless us, our officers, directors, employees, and agents from any claims, liabilities, losses, damages, costs, and expenses, including reasonable attorney fees, arising from your breach of these Terms or your use of the website.

Modifications

We may modify these Terms at any time, and such changes will be effective immediately upon posting on this website. Your continued use of the website after changes to these Terms indicates your acceptance of the Terms.

Termination

We may, in our discretion, without cause or notice, suspend or terminate your account and deny you access to the website.

Services Provided

Shree Laxmi Credit Society provides the following financial services:

• Savings accounts and deposit schemes
• Various types of loans (personal, home, vehicle, business, educational, etc.)
• Online banking facilities
• Financial advisory

All services are provided in accordance with Reserve Bank of India guidelines and applicable laws.

Privacy Policy

Our Privacy Policy forms an integral part of these Terms and Conditions and can be found at Privacy Policy.

Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of India. The courts in Mumbai, India shall have exclusive jurisdiction in relation to any dispute arising out of these Terms and Conditions.

Severability

If any provision of these Terms and Conditions is found to be illegal, void, or for any reason unenforceable, such provision shall be severable from these Terms and Conditions and shall not affect the validity and enforceability of the remaining provisions.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, represent the entire agreement between us and you with respect to the use of the website, and supersede all prior agreements and arrangements with respect to the use of the website.

Contact Information

If you have any questions about these Terms and Conditions, please contact us:

Email: legal@shreelaxmibank.com

Address: 6th Floor, Autumn Grove Building, Near Lokhandwala foundations school, Lokhandwala Township, Kandivali East, Mumbai - 400101