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Terms of Use

Welcome to www.moneyraksha.com. This website (the 'Site') is operated by the MoneyRaksha Sales & Services Pvt. Ltd Group ('MoneyRaksha Sales & Services Pvt. Ltd'). MoneyRaksha Sales & Services Pvt. Ltd provides services to you subject to the following conditions:

  • Before you use the Site, you must read and accept the terms and conditions herein, and linked to, the Terms of Use (ToU) and the Privacy Policy.
  • This ToU is effective upon acceptance; use of any functionality of the Site constitutes acceptance of this ToU.
  • If this ToU conflicts with any other documents, the ToU will rule for the purposes of usage of the Site.
  • We request you to return to this page periodically to review the most current version of the ToU.
  • We reserve the right at any time, at our sole discretion, to change or modify the ToU without prior notice; your continued access or use of this Site signifies your acceptance of the updated ToU.

Description of services

The Site provides users with access to information primarily about financial and utility services including but not restricted to general insurance, life insurance, loans, and credit cards (the 'Service'). As a user, you are responsible for obtaining access to the Site. The access may involve third-party fees, such as Internet service provider charges.

By using this site and furnishing your personal/contact information, you hereby agree that you are interested in availing and purchasing the services that you have selected. You hereby agree that MoneyRaksha Sales & Services Pvt. Ltd may contact you either through phone or electronically, to understand your interest and fulfill your demand. You also agree that MoneyRaksha Sales & Services Pvt. Ltd reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from MoneyRaksha Sales & Services Pvt. Ltd through email or sms.

Eligibility

You need to be of legal age (18 years and above) to access the Services. The Service is not available to any users suspended or removed from the system, by MoneyRaksha Sales & Services Pvt. Ltd, for any reason. Users may have only one active account, and are prohibited from selling, trading, or transferring their account to another party.

License and Site Access

MoneyRaksha Sales & Services Pvt. Ltd grants you a limited license to access and make personal use of the Site and the Service. This license does not include:

  • Any downloading or copying of any kind of information for the benefit of another individual or a third party;
  • Unauthorised hypertext links to the Site;
  • Framing of any content available through the Site;
  • Uploading or transmitting any content that you do not have a right to make available;
  • Uploading or transmitting any material that contains software viruses or any other computer code or programme designed to interrupt or limit the functionality of the Site's software, hardware, or telecommunications equipment;
  • Any action that imposes or may impose (in MoneyRaksha Sales & Services Pvt. Ltd's sole discretion) an unreasonable or disproportionately large load on MoneyRaksha Sales & Services Pvt. Ltd's infrastructure;
  • Use of data mining or similar data gathering and extraction tools.

You may not bypass any measures used by MoneyRaksha Sales & Services Pvt. Ltd to prevent or restrict access to the Site. Any unauthorised use by you shall lead to termination of the permission or license granted to you by MoneyRaksha Sales & Services Pvt. Ltd.

By using the Site, you agree not to:

  • Use this Site or its contents for any commercial purpose;
  • Make any speculative, false, or fraudulent transaction;
  • Access, monitor, or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our written permission;
  • Violate the restrictions on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site;
  • Take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
  • Link any portion of this Site for any purpose without our written permission;
  • Incorporate any part of this Site into any other website without our prior written authorisation.

Your account

In consideration of your use of the Site, you represent that you are of legal age and are not a person barred from receiving services under the laws of India or other applicable jurisdiction. You will only use the Site to make legitimate purchases for you or for another person for whom you are legally authorised to act. You will inform such other persons about the ToU, Privacy Policy, and any other rules and restrictions applicable thereto.

You also agree to provide true, accurate, current, and complete information about yourself as prompted by the Site. If the information provided by you is untrue, inaccurate, not current or incomplete, or MoneyRaksha Sales & Services Pvt. Ltd has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, MoneyRaksha Sales & Services Pvt. Ltd has the right to suspend or terminate your account.

When you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. We, therefore, strongly recommend that you exit from your account at the end of each session. In case of any unauthorised use of your account or any other breach of security, you agree to notify MoneyRaksha Sales & Services Pvt. Ltd immediately. MoneyRaksha Sales & Services Pvt. Ltd reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion.

Please read the additional terms and conditions carefully, as some of them may apply to your purchase of services. You agree to abide by the terms and conditions of purchase imposed by any supplier with whom you choose to deal, including, but not limited to, payment of all amounts when due, and compliance with the supplier's rules and restrictions regarding use of fares, products, or services. Any violation of any such rules and restrictions may result in either/ all of the below mentioned penalties:

  • Cancellation of your purchase;
  • Denial of access to the applicable service;
  • Forfeit of any monies paid for such reservation;
  • Debiting the monies from your account for any costs we incur as a result of such violation.

Submitted content

MoneyRaksha Sales & Services Pvt. Ltd does not claim ownership or responsibility or assume liability for any submitted material made available through the Site. At MoneyRaksha Sales & Services Pvt. Ltd's sole discretion, such material may be included in the Service, in whole or in part, or in a modified form. When you submit such material for inclusion on the Site, you grant MoneyRaksha Sales & Services Pvt. Ltd a perpetual, irrevocable, non-terminable, worldwide, royalty-free, and non-exclusive license to use, copy, distribute, display, modify, create derivative works, and sublicense such materials or any part of such material.

You agree that you are fully responsible for the content you submit. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site. You are prohibited from posting or transmitting to or from this Site:

  • Any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law;
  • Any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services);
  • Any material or content that infringes, misappropriates, or violates any copyright, trademark, patent right, or other proprietary right of any third party.

Disclaimer of liability and warranty

The content, products, and services published on this Site may include inaccuracies or errors, including pricing errors. We do not guarantee the accuracy of, and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services. We expressly reserve the right to correct any pricing errors on the Site and/or on pending reservations made under an incorrect price.

MoneyRaksha Sales & Services Pvt. Ltd makes no representation about the suitability of the information, software, products, and services contained on this Site for any purpose. The inclusion of any product or service on this Site does not constitute any endorsement or recommendation of such product or service. The information, software, products, and services are provided without warranty. MoneyRaksha Sales & Services Pvt. Ltd disclaims all warranties and conditions that this Site, its services, or any email sent from MoneyRaksha Sales & Services Pvt. Ltd, its affiliates, and/or the respective suppliers are free of viruses or other harmful components. MoneyRaksha Sales & Services Pvt. Ltd disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The suppliers providing services on this Site are independent affiliates and are not liable for the acts, errors, omissions, representations, warranties, breaches, or negligence of any such suppliers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore.

MoneyRaksha Sales & Services Pvt. Ltd and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure, or other causes beyond their direct control. We have no responsibility for any additional expense, omissions, delays, or acts of any government or authority. In no event shall MoneyRaksha Sales & Services Pvt. Ltd and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with your access to, display of, or use of this Site or with the delay or inability to access, display, or use this Site whether based on a theory of negligence, contract, tort, strict liability, or otherwise.

Disclaimer of online availability, impressions, and click-throughs

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.moneyraksha.com, its web pages, and any material, information, links, or content presented on the web pages at www. moneyraksha.com. moneyraksha.com, its web pages, and any material, information, links, or content presented on the web pages may be unavailable for online access at anytime.

Advertising sponsors and advertising must be approved by MoneyRaksha Sales & Services Pvt. Ltd before the posting of any advertising material, information, links, content, banners, and graphics on the Site. MoneyRaksha Sales & Services Pvt. Ltd reserves the right to accept or reject any advertising sponsor or any advertising for any reason.

License disclaimer

Nothing on the MoneyRaksha Sales & Services Pvt. Ltd website shall be construed as conferring any license under any of MoneyRaksha Sales & Services Pvt. Ltd's or any third party's intellectual property rights,.

Local laws

MoneyRaksha Sales & Services Pvt. Ltd controls and operates this Site from its headquarters in Bangalore, India, and makes no representation that the materials on the website are appropriate for use in other locations. If you use this Site from other locations, you are responsible for compliance with applicable local laws. Unless otherwise stated, all marketing or promotional materials on this Site comply with the laws prevailing for the time being in force in India and are solely directed to individuals, companies, or other entities located in India. Disputes, if any, shall be subject to the exclusive jurisdiction of the courts of Bangalore.

Limitation of liability

You expressly understand and agree that MoneyRaksha Sales & Services Pvt. Ltd and its subsidiaries, affiliates, officers, employees, agents, partners, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from the use of the Site, content or any related services.

If, despite the above limitation, MoneyRaksha Sales & Services Pvt. Ltd and/ or its affiliates are found liable for any loss or damage which arises out of any of the occurrences described above, then the liability of MoneyRaksha Sales & Services Pvt. Ltd and/or its affiliates will in no event exceed, in the aggregate, the greater of:

  • The service fees you paid to MoneyRaksha Sales & Services Pvt. Ltd in connection with such transaction on this Site;
  • Rupees One Hundred only (INR 100).

Indemnity

You agree to indemnify and hold MoneyRaksha Sales & Services Pvt. Ltd and its officers, directors, agents, subsidiaries, joint ventures, and employees, harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including lawyer fees, or arising out of or related to your breach of this ToU, your violation of any law, or the rights of a third party, or your use of the Site.

Electronic communication

When you use the Site or send emails to MoneyRaksha Sales & Services Pvt. Ltd, you are communicating with MoneyRaksha Sales & Services Pvt. Ltd electronically and you consent to receive communications from MoneyRaksha Sales & Services Pvt. Ltd electronically. MoneyRaksha Sales & Services Pvt. Ltd may communicate with you by email, by posting notices on the Site, or by phone. You agree that all agreements, notices, disclosures, and other communication that we provide to you electronically satisfy any legal requirement.

Site-provided email and posting

The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. MoneyRaksha Sales & Services Pvt. Ltd is under no obligation to review any messages, information, or content ('Postings) posted on the Site by users and assumes no responsibility or liability relating to any such Postings. MoneyRaksha Sales & Services Pvt. Ltd may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings.

You understand and agree not to use any functionality provided by the Site to post content or initiate communications that:

  • Contain any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national, or international law;
  • Constitute advertisements or solicitations of any kind;
  • Impersonate others or provide any kind of false information;
  • Reveal personal information such as messages which state phone numbers, account numbers, addresses, etc.;
  • Contain messages by non-spokesperson employees of MoneyRaksha Sales & Services Pvt. Ltd purporting to speak on behalf of MoneyRaksha Sales & Services Pvt. Ltd or containing confidential information or expressing opinions concerning MoneyRaksha Sales & Services Pvt. Ltd;
  • Contain messages that offer unauthorised downloads of any copyrighted or private information;
  • Comprise chain letters of any kind;
  • Contain identical messages to multiple recipients, advertising any product or service, expressing a political message, or any other type of unsolicited commercial message.

This prohibition includes but is not limited to:

  • Using MoneyRaksha Sales & Services Pvt. Ltd to send messages to people who don't know you or who are unlikely to recognise you as a known contact;
  • Using MoneyRaksha Sales & Services Pvt. Ltd to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission;
  • Sending messages to distribution lists, newsgroup aliases, or group aliases.

Links

The Site or third parties may provide links to other websites or resources. Because MoneyRaksha Sales & Services Pvt. Ltd has no control over such sites and resources, you acknowledge and agree that MoneyRaksha Sales & Services Pvt. Ltd is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources.

You also acknowledge that MoneyRaksha Sales & Services Pvt. Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of such content, goods, or services available on or through any such site or resource.

Access to password protected/ secure areas

Only authorised users have access to and can use password protected/ secure areas of the Site. Unauthorised individuals attempting to access these areas of the Site may be subject to prosecution.

Modification and notification of changes

MoneyRaksha Sales & Services Pvt. Ltd reserves the right to make changes to the Site, related policies and agreements, this ToU, and the Privacy Policy at any time. If MoneyRaksha Sales & Services Pvt. Ltd makes a modification to this ToU, it may notify you by displaying a prominent announcement above the text of this ToU for thirty (30) days, being deemed sufficient notification, of such changes.

After notice of a modification to the ToU has been posted for 30 days, the notice will be removed. If you have not used the Site for more than 30 days, you should check the ToU and/or Privacy Policy prior to any further use of the Site. If you choose to continue using the Site, you agree that you have accepted the new ToU or Privacy Policy, as relevant.

Should you wish to terminate your account due to a modification to the ToU or the Privacy Policy, you may do so by sending an email with the subject line 'Termination' to the following email address: complaints@moneyraksha.com.

Trademarks

The trademarks, logos and service marks ('Marks') displayed on the Site are the property of MoneyRaksha Sales & Services Pvt. Ltd and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to, use as metatags on other pages or sites on the web, without the written permission of MoneyRaksha Sales & Services Pvt. Ltd or such third party which may own the Marks.

All information and content, including any software programmes available on or through the Site is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any of this content for commercial or public purposes.

Survival of terms after agreement ends

Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.

General

If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section.

This ToU and the relationship between you and MoneyRaksha Sales & Services Pvt. Ltd will be governed by Indian laws without regard to its conflict of law provisions. You and MoneyRaksha Sales & Services Pvt. Ltd agree to submit to the personal jurisdiction of the courts located in Bangalore with respect to any legal proceedings that may arise in connection with this ToU. The failure of MoneyRaksha Sales & Services Pvt. Ltd to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. MoneyRaksha Sales & Services Pvt. Ltd does not guarantee that it will take action against all breaches of this ToU. Except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between you and MoneyRaksha Sales & Services Pvt. Ltd and governs your use of the Site, superseding any prior agreements between you and MoneyRaksha Sales & Services Pvt. Ltd with respect to the Site.

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