Terms and Conditions

Last Updated: December 2024

📋 Agreement to Terms

By accessing and using BankwaliJob.com, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website or services.

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and BankwaliJob.com ("we," "us," "our," or "Company") regarding your use of our website, services, and financial calculators.

By accessing, browsing, or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.

2. Description of Service

2.1 Our Services

BankwaliJob.com provides:

Free online financial calculators and tools
Educational content about banking and finance
Information about financial products and services
Resources for financial planning and decision-making

2.2 Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. Our services may be temporarily unavailable due to:

Scheduled maintenance and updates
Technical difficulties or server issues
Force majeure events beyond our control
Security-related interruptions

3. User Eligibility

3.1 Age Requirements

You must be at least 18 years old to use our services. If you are under 18, you may only use our services with the involvement and consent of a parent or guardian.

3.2 Legal Capacity

By using our services, you represent and warrant that:

You have the legal capacity to enter into binding agreements
You are not prohibited from using our services under applicable law
Your use of our services will not violate any laws or regulations
All information you provide is accurate and truthful

4. Acceptable Use Policy

4.1 Permitted Uses

You may use our services for:

Personal financial planning and education
Calculating estimates for financial products
Learning about banking and investment concepts
Comparing different financial scenarios

4.2 User Responsibilities

When using our services, you agree to:

Provide accurate information when using calculators
Use the services in accordance with applicable laws
Respect the intellectual property rights of others
Maintain the security of any account credentials
Report any security vulnerabilities or issues

5. Prohibited Uses

🚫 Strictly Prohibited Activities

You may not use our services to:

Engage in any illegal or fraudulent activities
Violate any applicable laws or regulations
Infringe on intellectual property rights
Distribute malware, viruses, or harmful code
Attempt to gain unauthorized access to our systems
Interfere with or disrupt our services
Use automated tools to scrape or harvest data
Impersonate others or provide false information
Spam, harass, or abuse other users
Use our services for commercial purposes without permission

5.1 Consequences of Prohibited Use

Violation of these prohibited uses may result in:

Immediate termination of access to our services
Legal action to recover damages
Reporting to appropriate authorities
Permanent ban from our website

6. User Accounts and Registration

6.1 Account Creation

While most of our services are available without registration, some features may require account creation. When creating an account, you agree to:

Provide accurate and complete information
Maintain the security of your login credentials
Notify us immediately of any unauthorized access
Accept responsibility for all activities under your account

6.2 Account Security

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. We recommend using strong, unique passwords and enabling two-factor authentication when available.

7. Intellectual Property Rights

7.1 Our Intellectual Property

All content on BankwaliJob.com, including but not limited to:

Website design, layout, and graphics
Calculator algorithms and software code
Text, articles, and educational content
Logos, trademarks, and brand elements
Images, videos, and multimedia content

is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our services for personal, non-commercial purposes. This license does not include the right to:

Reproduce, distribute, or publicly display our content
Create derivative works based on our services
Reverse engineer our calculators or software
Use our content for commercial purposes

8. Content and Materials

8.1 Educational Nature

All content on our website is provided for educational and informational purposes only. Our calculators, articles, and resources are designed to help users understand financial concepts but should not be considered as professional advice.

8.2 Accuracy and Updates

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content. Financial markets, regulations, and products change frequently, and our content may not reflect the most current information.

8.3 User-Generated Content

If you submit content to our website (such as comments, feedback, or suggestions), you grant us a non-exclusive, royalty-free, perpetual license to use, modify, and distribute such content for our business purposes.

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to our privacy practices as described in the Privacy Policy.

       🔒 Data Protection Highlights
       We collect minimal personal information
Calculator inputs are processed locally in your browser
We use cookies for analytics and advertising
You have control over your data and privacy settings
We comply with applicable data protection laws

      

10. Disclaimers and Limitations

10.1 No Financial Advice

Our services do not constitute financial, investment, tax, legal, or accounting advice. We are not licensed financial advisors, and our tools should not replace professional consultation with qualified experts.

10.2 Calculator Limitations

Our financial calculators:

Provide estimates based on standard formulas
May not account for all variables affecting your situation
Should be verified with financial institutions
Are not guaranteed to be error-free

10.3 "As Is" Service

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

11. Limitation of Liability

⚖️ Liability Limitations

To the maximum extent permitted by law, BankwaliJob.com and its owners, employees, and affiliates shall not be liable for any:

Direct, indirect, incidental, or consequential damages
Financial losses resulting from use of our calculators
Errors or omissions in our content or tools
Service interruptions or technical issues
Third-party actions or content
Loss of data, profits, or business opportunities

11.1 Maximum Liability

In no event shall our total liability to you exceed the amount you have paid us for our services in the twelve months preceding the claim, or $100, whichever is less.

12. Indemnification

You agree to indemnify, defend, and hold harmless BankwaliJob.com, its owners, employees, and affiliates from and against any claims, damages, losses, costs, and expenses (including reasonable attorney fees) arising from:

Your use of our services
Your violation of these Terms
Your violation of any third-party rights
Any content you submit or transmit through our services

13. Third-Party Services and Links

13.1 External Links

Our website may contain links to third-party websites, services, or resources. We do not endorse, control, or assume responsibility for any third-party content, and you access such links at your own risk.

13.2 Third-Party Integrations

We may integrate with third-party services for analytics, advertising, or functionality. These integrations are subject to the third parties' own terms and privacy policies.

14. Advertising and Sponsored Content

14.1 Display Advertising

We may display advertisements from third-party advertising networks, including Google AdSense. These ads may be personalized based on your interests and browsing behavior.

14.2 Sponsored Content

Some content on our website may be sponsored or promotional. We will clearly identify sponsored content when required by law or advertising guidelines.

14.3 Ad Interactions

Your interactions with advertisements are solely between you and the advertiser. We are not responsible for the content, accuracy, or practices of advertisers.

15. Termination

15.1 Termination by You

You may stop using our services at any time. If you have an account, you may delete it through your account settings or by contacting us.

15.2 Termination by Us

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including:

Violation of these Terms
Suspected fraudulent or illegal activity
Technical or security reasons
Discontinuation of services

15.3 Effect of Termination

Upon termination, your right to use our services will cease immediately. Provisions of these Terms that by their nature should survive termination will remain in effect.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, without regard to conflict of law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of India.

17. Dispute Resolution

17.1 Informal Resolution

Before initiating formal legal proceedings, we encourage you to contact us to seek an informal resolution of any disputes.

17.2 Binding Arbitration

Any disputes that cannot be resolved informally may be subject to binding arbitration in accordance with the rules of the applicable arbitration authority in India.

18. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

Update the "Last Updated" date
Post the revised Terms on our website
Notify users of material changes when required

Your continued use of our services after changes constitutes acceptance of the modified Terms.

19. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining Terms will remain in full force and effect.

20. Contact Information

Questions About These Terms?

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

Email: legal@bankwalijob.com

General Contact: info@bankwalijob.com

Website: Contact Form

We will respond to your legal inquiries as soon as possible.

📄 Complete Agreement

These Terms and Conditions, together with our Privacy Policy and Disclaimer, constitute the complete agreement between you and BankwaliJob.com regarding your use of our services.