1. Acceptance of Terms

By accessing and using our website or services, you agree to comply with and be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with these terms, please do not use our site or services.

2. Use of the Website

Our website is intended for personal, non-commercial use to access information about our services, including loan management, payments, and customer support. You agree to use the site in a manner that complies with applicable laws and regulations and that does not infringe upon the rights of others.

3. Account Registration

To access certain features or services, you may need to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Payment Terms

All payments made through our platform are processed via a secure third-party payment gateway. By using our payment services, you agree to the terms set by the payment gateway provider. We do not store sensitive payment information such as credit card details on our servers.

Failure to make timely payments may result in penalties, interest charges, or legal action, in accordance with our loan or service agreements. Please refer to the relevant terms within your loan agreement for more details.

5. Refund & Cancellation Policy

All payments made for our services are non-refundable unless specifically stated otherwise. Cancellations of payments or services must be requested in writing and may be subject to approval based on our internal policies.

6. Intellectual Property

All content on this website, including text, images, graphics, logos, and software, is the property of CARD Bank or its licensors and is protected by copyright and other intellectual property laws. You are not permitted to reproduce, distribute, or use any content from our site without prior written consent from CARD Bank.

7. Limitation of Liability

We strive to ensure that our website and services operate efficiently and securely. However, CARD Bank cannot guarantee that the site will be error-free, uninterrupted, or immune to hacking, viruses, or technical issues. In no event will CARD Bank be liable for any direct, indirect, incidental, or consequential damages arising from the use or inability to use our website or services.

8. Third-Party Links

Our website may contain links to third-party websites or services. These links are provided for your convenience, but we do not endorse or assume responsibility for the content, privacy policies, or practices of third-party sites.

9. Modification of Terms

We reserve the right to modify these Terms & Conditions at any time. Any changes will be posted on this page, and continued use of the website after modifications will constitute acceptance of the updated terms.

10. Termination

We reserve the right to suspend or terminate your account or access to our website and services at our discretion, without notice, for any violation of these Terms & Conditions.

11. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of India. Any disputes arising from these terms or your use of our website will be subject to the exclusive jurisdiction of the courts located in West Bengal, India.

12. Contact Information

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

• Email: ghatalcardb@gmail.com
• Phone: 03225-295261
• Address: Ghatal, West Midnapore, West Bengal, India