Terms & Conditions

Welcome to the www.mymoneybazar.com website (the “Site”), which is maintained and operated by Risk Management Services (RMS). By accessing and using this Site, you agree to be bound by the following terms and conditions. Prior to using the Site, it is essential that you carefully read and accept all the terms and conditions outlined in this Terms of Use (TOU) as well as the linked Privacy Policy.

We strongly advise you to review the linked information along with this Tol-Ji as it is an integral part of the agreement. Your acceptance of this TOU is effective upon use of any functionality on the Site. In cases where this TOU conflicts with any other documents, the TOU takes precedence for the purpose of using the Site. If you do not consent to abide by this TOU and the Privacy Policy, please refrain from using the Site.

It is recommended to revisit this page periodically to stay informed about the most recent version of the Tol-J. We retain the right, at our sole discretion, to modify or change the Terms of Service (TOS) without prior notice. Your continued access or use of the Site indicates your acceptance of the updated or modified TOS.

1 - Description of Services

On the website www.mymoneybazar.com/ RMS grants users access to information primarily related to Financial Services, encompassing, but not limited to, loans, credit cards, and communication services (the “Services”). Users are responsible for obtaining access to the Site, and such access may involve third-party fees (such as Internet service provider or airtime charges). Additionally, users must provide and be responsible for all equipment necessary to access the Site.

By utilizing this Site and providing personal/contact details, you acknowledge your interest in availing and purchasing the selected Services. You consent to RMS contacting you electronically or via phone to understand your interest in the chosen products and Services and to fulfill your requests. By using this website, you explicitly authorize RMS. its affiliates, and partners to contact you for follow-up calls and/or renewal reminders related to the insurance services offered through the website. Furthermore, you
agree that RMS may share your details with partners who may contact you for information and sales through email, telephone, and/or SMS.

You also consent to receiving promotional materials and/or special offers from RMS through email, SMS, or WhatsApp. The client expressly authorizes RMS to send service-related transactional text messages, WhatsApp messages, and make calls, even if the client’s contact number is listed as “Do Not Disturb” (DND) with the relevant telecom regulatory authority.

2 - License and Site Access

RMS provides you with a limited license to access and personally use the Site and the Service. This license explicitly excludes downloading or copying any information for the benefit of another individual, vendor, or any third party. It also prohibits activities such as caching, creating unauthorized hypertext links to the Site, framing any Content available through the Site, uploading, posting, or transmitting content that you do not have the right to make available (such as the intellectual property of another party), and uploading, posting, or transmitting any material containing software viruses or any other computer code intended to interrupt, destroy, or limit the functionality of computer software, hardware, or telecommunications equipment.

Additionally, actions that may impose an unreasonable or disproportionately large load on RMS infrastructure, or the use of data mining, robots, or similar data gathering and extraction tools, are strictly prohibited. You are not permitted to bypass any measures used by RMS to prevent or restrict access to the Site. Unauthorized use will result in the termination of the permission or license granted by RMS.

By using the Site, you agree not to: (i) use the Site or its contents for any commercial purpose; (ii) engage in speculative, false, or fraudulent transactions; (iii) access, monitor, or copy any content or information using automated means without express written permission; (iv) violate restrictions in robot exclusion headers or bypass measures to limit access; (v) take actions that unreasonably burden our infrastructure; (vi) deep-link to any portion of the Site without express written permission; or (vii) “frame,” “mirror,” or incorporate any part of the Site into another website without prior written authorization.

3 - Eligibility

The Service is restricted to individuals aged 18 and above, and it is not accessible to minors or to users who have been suspended or removed from the system by RMS for any reason. Each user is allowed only one active account, and the sale, trade, or transfer of accounts to another party is strictly prohibited. If you do not meet these qualifications, you are not permitted to use the Service or access the Site.

4 - Your Account

By using the Site, you affirm that you are legally eligible to enter into a binding contract, and you are not prohibited from receiving services under the laws of India or any other applicable jurisdiction. Your use of the Site is limited to making lawful purchases for yourself or on behalf of individuals for whom you are authorized to act legally. It is your responsibility to inform such individuals about the Terms of Use (ToU) and Privacy Policy applicable to the purchases made on their behalf, including all relevant rules and restrictions.

You commit to providing accurate, current, and complete information about yourself as prompted by the Site. If the information you provide is found to be untrue, inaccurate, not current, or incomplete, or if RMS has reasonable grounds to suspect so, RMS reserves the right to suspend or terminate your account and deny any current or future use of the Site.

As a user of the Site, you are accountable for maintaining the confidentiality of your account and password and restricting access to your computer. You agree to take responsibility for all activities conducted under your account or password. It is recommended to log out of your account at the end of each session. Promptly notify RMS of any unauthorized use of your account or any security breach.

RMS retains the right, at its sole discretion, to refuse service, terminate accounts, edit or remove content, and deny access to the Site and its services for any reason, including violations of the ToU or Privacy Policy. Specific terms and conditions will apply to the services you purchase, and it is essential to carefully read and adhere to them. You agree to comply with the terms and conditions set by a supplier with whom you choose to transact, including timely payment and adherence to the supplier’s rules and restrictions. Violating these rules may lead to the cancellation of your purchase(s), denial of access to the relevant service(s), forfeiture of any payments made, and the debiting of your account for costs incurred as a result of the violation.

5 - Submitted Content

RMS refrains from claiming ownership of any materials you make available through the Site. At the sole discretion of RMS, these materials may be integrated into the Service, whether in whole or in part, or in a modified form. Concerning the materials you submit or provide for inclusion on the Site, you grant RMS a lasting, irrevocable, non-terminable, worldwide, royalty-free, and non-exclusive license. This license empowers RMS to utilize, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part thereof, including the use of the name submitted in connection with the content.

By submitting materials, you affirm that they do not contain anything (such as text, images, music, or video) for which you lack the full right to grant the license specified in this Section 4. RMS assumes no responsibility and assumes no liability for any content posted or submitted by you. There is no obligation to post your comments, and we reserve the absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please refrain from providing any submitted content. You acknowledge full responsibility for the content you submit.

Posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material that would violate rights of publicity and/or privacy or any law to or from this Site is strictly prohibited. Additionally, the posting of commercial material or content (including solicitation of funds, advertising, or marketing of any goods or services) and any material or content that infringes, misappropriates, or violates any copyright, trademark, patent right, or other proprietary right of any third party is prohibited. You are solely liable for any damages resulting from violations of these restrictions or any harm arising from your posting of content to this Site.

6 - Disclaimer of Liability and Warranty

The Content and Services provided through this Site may contain inaccuracies or errors, including pricing errors. We do not guarantee the accuracy of, and disclaim all liability for, any errors or inaccuracies related to the information and description of the content 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.

RMS makes no representations about the suitability of the information, software, products, and services on this Site for any purpose. The inclusion or offering of any products or services on this Site does not constitute an endorsement or recommendation of such products or services. All such information, software, products, and services are provided “AS IS” without any warranty. RMS disclaims all warranties and conditions that this Site, its services, or any email sent from RMS, its affiliates, and/or their respective suppliers are free of viruses or other harmful components.

RMS hereby disclaims all warranties and conditions regarding this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and non-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. They are also not liable for any personal injuries, death, property damage, or other damages or expenses resulting therefrom.

RMS 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. They have no responsibility for any additional expenses, omissions, delays, or acts of any government or authority. In no event shall RMS 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. This includes, but is not limited to, reliance upon opinions appearing on this Site, any computer viruses, information, software, linked Sites, products, and services obtained through this Site, or otherwise arising out of the access to, display of, or use of this Site, whether based on a theory of negligence, contract, tort, strict liability, or otherwise, even if RMS and/or its affiliates and their respective suppliers have been advised of the possibility of such damages.

7 - Disclaimer of Online Availability,Impressions, And Click-Throughs

In addition to the other disclaimers and limitations mentioned in this notice, there are no assurances and no warranties regarding the online availability, impressions, and click-through of www.mymoneybazar.com, its webpages, and any material, information, links, or content presented on the web pages at www.mymoneybazar.com. The website may be unavailable for online access at any time. Prior approval from RMS is required for advertising sponsors and advertising materials before their posting on www.mymoneybazar.com. The advertising content, information, links, banners, and graphics should be related to interactive digital television and related subject areas. RMS retains the right to accept or reject any advertising sponsor or advertising for any reason.

8 - License Disclaimer

Aside from the license granted in paragraph 2 of this ToU, nothing on any RMS website should be interpreted as providing a license under any of RMS’s or any third party’s intellectual property rights, whether by estoppel, implication, or any other mean.

9 - Local Laws

RMS manages and operates this Site from its headquarters in Dehradun, India, and does not assert that the materials on the Site are suitable or accessible for use in other locations. If you access this Site from other locations, you are responsible for ensuring compliance with the relevant local laws. Unless explicitly stated otherwise, all marketing or promotional materials on this website are specifical intended for individuals, companies, or other entities located in India and adhere to the prevailing laws in force in India. Any disputes shall be subject to the exclusive jurisdiction of the courts in Dehradun.

10 - Limitation of Liability

You explicitly acknowledge and agree that RMS, along with its subsidiaries, affiliates, officers, employees, agents, partners, and licensors, shall not be held liable to you for any direct, indirect, incidental, special, consequential, or exemplary damages. These damages include, but are not limited to, losses such as loss of profits, goodwill, use, data, or other intangible losses, even if RMS has been informed of the potential for such damages. This applies to the use of the Site, content, or any related services.

In the event that, contrary to the above limitation, RMS or its affiliates are deemed liable for any loss or damage arising from or in connection with the described occurrences, the total liability of RMS and/or its affiliates will not exceed, in aggregate, the greater of (a) the service fees you paid to RMS in connection with such transaction(s) on this Site or (b) Rupees One Hundred only (INR 100). This limitation of liability reflects the distribution of risk between the parties. The limitations outlined in this section will persist and be applicable even if any specified limited remedy in these terms is found to have failed in its essential purpose. These limitations of liability are intended for the benefit of RMS, its affiliates, and/or their respective suppliers.

11 - Indemnity

You agree to indemnify and safeguard RMS (including its officers, directors, agents, subsidiaries, joint ventures, and employees) from any claims, causes of action, demands, recoveries, losses, damages, fines, penalties, or other costs or expenses, including reasonable attorneys’ fees. This indemnification pertains to any breach of this ToU, violation of any law or the rights of a third party, or your utilization of the Site.

12 - Electronic Communication

When utilizing the Site or sending emails to RMS, your communication with RMS occurs electronically. By using the Site, you agree to receive electronic communications from RMS, which may be in the form of emails, posted notices on the Site, phone communication, or through other commonly available means of communication. You acknowledge and agree that all agreements, notices, disclosures, and other communications provided to you electronically by RMS meet any legal requirement for such communications to be in writing.

13 - Site-Provided Email and Postings

The Site offers users the capability to send email messages to both users and non-users, as well as to post messages on the Site. RMS is not obligated to review any messages, information, or content (“Postings”) posted on the Site by users and assumes no responsibility or liability for any such Postings. However, RMS may periodically monitor the Postings on the Site and may choose to decline or remove any email or Postings.

You acknowledge and agree not to use any functionality provided by the Site to post content or initiate communications that include: (i) any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically, or otherwise objectionable material, encouraging conduct that would constitute a criminal offense, give rise to civil liability, or violate any applicable laws; (ii) advertisements or solicitations; (iii) impersonation or the provision of false information; (iv) personal information, such as messages containing phone numbers, account numbers, addresses, or employer references; (v) messages by non-spokesperson employees of RMS purporting to speak on behalf of RMS or containing confidential information or expressing opinions about RMS; (vi) messages offering unauthorized downloads of copyrighted or private information; (vii) multiple messages within individual folders by the same user restating the same point; (viii) chain letters; or (ix) identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or similar message, or any other type of unsolicited commercial message. This prohibition includes, but is not limited to: (a) using RMS to send messages to individuals who are unlikely to recognize you as a known contact; (b) using RMS to connect with people who do not know you and then sending unsolicited promotional messages to those connections without their permission; and (c) sending messages to distribution lists, newsgroup aliases, or group aliases.

14 - Links

The Site or third parties may furnish links to other websites or resources. As RMS lacks control over these sites and resources, you recognize and agree that RMS is not accountable for the availability of such external sites or resources. RMS 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. Additionally, you acknowledge and agree that RMS shall not be held 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 or reliance on any such content, goods, or services available on or through any such site or resource.

15 - Access To Password Protected/Secure Areas

Access to and usage of password-protected and/or secure sections of the Site are limited to authorized users only. Unauthorized individuals attempting to access these areas of the Site may face prosecution.

16 - Modification and Notification of Changes

RMS retains the right to modify the Site, associated policies and agreements, this ToU, and the Privacy Policy at its discretion. In the event of a material alteration to this ToU, RMS may notify you by: (i) prominently displaying an announcement above the text of this ToU or the Privacy Policy for thirty (30) days, which is deemed sufficient notification of such changes. Once the notice of modification to the ToU or the Privacy Policy has been posted for 30 days, it will be removed. If you haven’t used the Site for more than 30 days, it is advisable to review the ToU and/or Privacy Policy before further use of the Site. If you wish to terminate your account due to a modification to the ToU or the Privacy Policy, you can do so by sending an email with the subject line “Termination” to the following email address: shubham.arora@mymoneybazar.com. If you opt to continue using the Site, you agree that such continued use implies acceptance of the new ToU or Privacy Policy, as applicable.

17 - Trademarks

The trademarks, logos, and service marks (“Marks”) showcased on the Site are the property of RMS and other parties. Users are strictly prohibited from utilizing any Marks for any purpose, including but not limited to using them as metatags on other pages or sites on the World Wide Web, without the written permission of RMS or the third party that owns the Marks. All information and content, including any software programs, available on or through the Site (“Content”), are protected by copyright. Users are not allowed to modify, copy, distribute, transmit, display, publish, sell, license, create derivative works, or use any Content available on or through the Site for commercial or public purposes.

18 - Survival of Terms After Agreement Ends

Despite any other stipulations in this ToU or general legal principles to the contrary, any provision of this ToU that imposes or envisions ongoing obligations on a party will persist beyond the expiration or termination of this ToU.

19 - General

If any of these conditions are considered invalid, void, or unenforceable for any reason, the parties agree that the court should strive to give effect to the parties’ intentions as reflected in the provision. The unenforceable condition shall be deemed severable and will not affect the validity and enforceability of any remaining conditions. Headings are provided for reference purposes only and do not limit the scope or extent of such sections. This ToU and the relationship between you and RMS will be governed by the laws of India, without regard to its conflict of law provisions. You and RMS agree to submit to the personal jurisdiction of the courts located in Dehradun with respect to any legal proceedings arising in connection with this ToU.

The failure of RMS to act regarding a breach by you or others does not waive its right to act regarding subsequent or similar breaches. RMS 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 RMS and governs your use of the Site, superseding any prior agreements between you and RMS concerning the site.

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