User Agreement

Use of the Bankz.in by the User means that the User accepts and undertakes to comply with all of the following terms and conditions of this Agreement.

The Bankz.in administration reserves the right to make changes to the Agreement, which come into force from the moment of publication. The text of the current version of the Agreement is always available at https://bankz.in/rules/.

Your continued use of Bankz.in after such changes constitute your acceptance of them.

User Agreement

Main terms

A website is a collection of electronic documents (files) posted online, united by a single theme, design and a single address space of the bankz.in domain. The start page of the Site is located on the Internet at https://bankz.in.

User of the Site (User) is a person who has passed the Registration Procedure, received an individual login and/or password, and also has his own Profile. For the purposes of the User Agreement, the User also means a person who has not completed the Registration Procedure, but accesses the Site and/or uses and/or has used it. Any person accessing the Site or by completing the registration procedure automatically confirms that he fully agrees with the provisions of the User Agreement, and that the requirements established by the User Agreement are applicable to him.

Site Administration (Administration) – Information Agency Bankz.in, which owns all relevant property rights to the Site, including rights to the domain name of the Site, and administers it.

User account (Account) is an Internet space protected by a password. Contains information about the user and Content generated by the User. The account contains the User's personal and contact information, including, but not limited to, postal and email addresses, texts, photographs, videos, age, interests.

Content – any informationally significant content of an information resource, including in the form of texts, reviews, comments, announcements, photos, videos, including news and other materials left by the user on the Site under his Account.

1. Subject of the User Agreement

1.1. This User Agreement (hereinafter referred to as the Agreement) is a legally binding agreement between Bankz.in and the User and governs the use of Bankz.in services. The User is an individual who has duly acceded to this Agreement.

1.2. The text of the Agreement is displayed to the User upon registration on the website bankz.in (hereinafter referred to as the Site). The User is deemed to have accepted the terms of this agreement from the moment the User expresses consent to its terms by using the Bankz.in website and services, individual functions of the services, or completing the registration procedure.

1.3. In case of changes to this Agreement and (or) consent to the processing of personal data and (or) consent to the distribution of advertising over telecommunication networks and (or) another document posted on the Site, the User who has provided consent and (or) has read this By agreement and (or) other document, you are deemed to have accepted the new terms of these documents by performing any action on the Site, including visiting the site, authorizing on the site, selecting a product, filling out an application for a new product.

2. Limitation of liability of the Administration

2.1. The administration makes every possible effort to exclude careless, inaccurate, offensive, untrue or deliberately incomplete information from the Site, however, ultimately, responsibility for it lies with the persons who posted it.

2.2. The administration is not responsible for the fact that registered users are really the people they claim to be, and is not responsible for possible damage caused to other persons.

2.3. The User is notified and agrees that he does not have the right to make claims against the Administrator if he does not indicate his personal data during registration, or if he indicates personal data that does not correspond to the data indicated in the civil passport.

2.4. Under no circumstances shall the Administrator be liable to the User or any third parties for any direct, indirect, unintentional damage, including lost profits or lost data, damage to honor, dignity or business reputation caused in connection with the use of the Site or the results of intellectual activity posted Online.

2.5. The Administrator is not responsible to the User or any third parties for:

• user actions on the Site;
• for the content and legality, reliability of the information used/received by the User on the Site;
• for the reliability of advertising information used/received by the User on the Site, and the quality of the goods/works/services advertised therein;
• for the consequences of using information used/received by the User on the Site;

2.6. In the event that third parties make claims against the Administrator related to the User’s use of the Site, the User undertakes, on his own and at his own expense, to settle these claims with third parties, protecting the Administrator from possible losses and proceedings.

3. The administration has the right:

3.1. At any time, change the design of the Site, its Content, list of services, change or supplement the scripts, software and other objects used or stored on the Site;

3.2. If necessary, send Users email messages regarding the use of the Site;

3.3. Modify (moderate) or delete any Content that violates this Agreement, as well as suspend, limit or terminate the User’s access to all or any of the sections or services of the Site with or without prior notice.

4. The user has the right:

4.1. Post Content that does not contradict this Agreement after confirming your mobile phone number;

4.2. Contact the Site Administration to resolve controversial issues;

4.3. Use all Site Content, both editorial and user-generated, for free for personal purposes not associated with the purpose of obtaining commercial benefits.

5. The user agrees:

5.1. Take appropriate measures to ensure the safety of your personal login and password for accessing the Site;

5.2. Regularly familiarize yourself with the contents of this Agreement in order to timely familiarize yourself with its changes.

5.3. Bear full responsibility for any actions performed by the User using his Account, as well as for any consequences that such use could or has entailed;

5.4. The user, using this or that section of the site, undertakes to comply with the rules for using this section of the site, if any exist and are described in this section.

5.5. Using information from the Site, the User understands and accepts the risks associated with its possible unreliability, as well as the fact that some information may seem threatening, offensive, slanderous, deliberately false, rude, obscene. If this happens, the User must immediately notify the Administration of the availability of such information.

6. This Agreement on the Site prohibits:

6.1. Place any advertising, except for cases authorized by the Site Administration, as well as within the framework of services for placing commercial advertisements and advertisements provided by the Site under conditions specified separately;

6.2. Post commercial offers, promotional materials, distribute spam, or any other intrusive information;

6.3. Post any information that violates the rights of users or third parties to intellectual property;

6.4. Harass, harass, abuse, stalk or otherwise maliciously harass any person or entity user of the Site;

6.5. Double registration (two or more nicknames) is prohibited. If such a fact is revealed, the administration reserves the right to block it without warning and impose punishment on the visitor’s main nickname.

6.6. Upload, publish or otherwise transmit the following Content:

• illegal;
• offensive to other users and third parties;
• vulgar, obscene, pornographic;
• proprietary or confidential;
• violating the rights of third parties;
• advertising nature;
• containing threats, slanderous, defamatory information;
• fraudulent in nature;
• promoting racial, religious, ethnic hatred or enmity, or any other information that violates legally protected human and civil rights.

7. Rights to Content posted on the Site

7.1. All results of intellectual activity used and posted on the Site, as well as the Site itself, are the intellectual property of their legal rights holders and are protected by India intellectual property legislation, as well as relevant international legal conventions.

7.2. No Content may be copied (reproduced), processed, distributed, framed, published, downloaded, transmitted, sold or otherwise used, in whole or in part, without the prior permission of the copyright holder, unless the copyright holder has expressly consented to free use of the material by any person, except for the cases established by this Agreement, as well as the current legislation of India;

7.3. Use of the Content to which the User has accessed solely for personal, non-commercial use is permitted provided that all attribution marks (copyrights) or other notices of authorship are preserved, the author's name remains unchanged, and the work remains unchanged.

7.4. All materials, the rights to which belong to the Bankz.in Site Administration, can be reproduced in any media, on Internet servers or on any other media without any restrictions on the volume and timing of publication. This permission applies equally to newspapers, magazines, radio stations, TV channels, websites and Internet pages. The only condition for reprinting and retransmission is a direct link to the original source https://www.bankz.in. No prior consent for reprinting is required from the publishers or authors of the Site.

7.5. For Internet resources, a prerequisite for any type of citation is the placement of an active direct hyperlink at the end of the material.

7.6. When reproducing materials, processing of their original text is not allowed. Reducing or rearranging parts of the material is permitted, but only to the extent that this does not lead to a distortion of its meaning.

8. Rules of conduct on the site

We strive to ensure that communication on the site is comfortable and brings benefit and pleasure to participants. To do this, we ask all users to comply with a number of rules.

8.1. The site administration does not disclose information about users that is not publicly available.

8.2. The materials posted on the site reflect the point of view of their authors and/or participants who posted the materials.Bankz.in is not responsible for losses incurred as a result of actions taken on the basis of estimates, forecasts and other information contained in user messages.

We ask you to respect the decisions made by the Administration and avoid insulting moderators and editors. If you do not agree with any actions of the Administration, you can send a justified complaint to the email address [email protected].

8.3. Upon registration, the user accepts these Rules and Regulations of the User Agreement.

8.4. User registration is carried out by sending a one-time confirmation code from an SMS message to the specified mobile phone and/or logging into the Personal Account using a unique combination of login and password and/or entering a one-time code from the Telegram application. The registration method specified in this paragraph is chosen by the Administration independently. If you have not received the code to the specified phone number, contact the Administration via the feedback form.

8.5. The user's login (nickname) must meet the following requirements:

• It is prohibited to use logins that consist of more than a third of pseudographics;
• It is prohibited to use logins that imitate existing logins of users or the Administration (including through the use of Russian and Latin characters similar in style);
• The use of logins containing the name of the organization is prohibited (for users who are not official representatives of this organization);
• It is prohibited to use logins containing more than four capital letters in a row (with the exception of abbreviations).
• The administration reserves the right to edit logins that do not meet the specified requirements.

8.6. Multiple registration of accounts by one user is prohibited. If such a fact is discovered, the administration reserves the right to block the account without warning and apply punishment to the visitor’s main nickname. The rule does not apply to official representatives of banks and companies: such users have the right to register several accounts on the site.

8.7. The use of avatars containing rude, obscene or illiterate text or indecent images is prohibited; avatars that are offensive to site visitors; avatars containing advertising information.

8.8. It is prohibited to place advertisements and offers for the provision of any types of services, including consulting, in the auto-signature and explanation of the profile.

8.10. It is prohibited to use external links, website addresses, telephone numbers and other contact information in the auto-signature. The user can optionally indicate the listed data in his profile.

8.11. It is prohibited to use enlarged font, bold font, or highlighting in the auto-signature.

8.12. To delete an account, the user must contact the moderators by sending a message to the email address [email protected] from the address specified during registration. In this case, all data from the personal profile is deleted and the account is deactivated.

8.13. The site administration reserves the right to block a user's account without explanation.

8.14. The following is prohibited on the site:

• Posting messages that incite any kind of hatred, containing explicit or hidden calls to commit actions contrary to the laws of India.
• Posting messages containing deliberately false information, slander, deliberate distortion of the meaning of statements of interlocutors, as well as provocations aimed at participants in the discussion.
• Use of obscene language and euphemisms replacing it.
• Insulting site users, rudeness and getting personal.
• Provocative behavior that disrupts calm communication in the topic (flaming, trolling, etc.).
• Unsubstantiated criticism of banks and other companies.
• Deliberate distortion of the English language.
• Emotional and unconstructive discussion (including attempts to continue a previously stopped discussion) of the Administration’s actions. At the same time, the Administration does not deny users the right to express their opinions and is always committed to intelligent communication in the form of feedback.
• Discussion of reputation ratings received by the user.
• Long-term (more than one or two messages) deviation from the topic of discussion (offtopic) or posting messages with little content (flooding). An indication of the incompetence or low level of knowledge of site visitors due to spelling and grammatical errors in their messages.
• Discussion of politics in any sections of the site.
• Insults and unfounded accusations against site employees and authors of materials posted on the site.
• Posting of advertising messages by users, including hidden advertising.
• Excessive visual emphasis of messages: use of only capital letters in the text, bold font, italics, excessively large or small font size, more than two font colors, etc.
• Over-quoting.
• Using transliteration. If it is impossible to use the Latin alphabet, use the “translit” tool in the answer form.
• Repeated posting of identical messages (spam), including messages previously deleted by the Administration due to violation by the author of these Rules.

9. Final provisions

9.1. This Agreement constitutes a public offer. The User's agreement with the terms of this Agreement (acceptance) is considered to be the actual use of the Site, its services and the results of intellectual activity posted on it.

9.2. The User and the Site Administration will try to resolve all disputes and disagreements that arise between them through negotiations. If it is impossible to resolve disputes and disagreements through negotiations, they are subject to consideration in the appropriate court at the location of the Site Administration.