A&A Dukaan Financial Services (Singapore) Pte Ltd

Terms of Use

Last updated: 31.03.2016

  1. What is this document?
    1. 1.1 These terms of use (the “Terms of Use”), read together with the privacy policy available on www.bankbazaar.sg (“Privacy Policy”) constitute a legal and binding agreement (“Agreement”) between you and A& A Dukaan Financial Services Pvt Ltd through its subsidiary A&A Dukaan Financial Services (Singapore) Pte Ltd (the “Company”), (Company Registration No. 201539054K of 80 Robinson Road, #09-00 Lattice80, Singapore 068898 and provides, inter alia, the terms that govern your access and use of the Company’s web based application located at this URL ‘www.bankbazaar.sg’ (the “Website”). This Agreement does not alter in any way the terms or conditions of any other agreement you may have with us, or our subsidiaries or affiliates, for Services or otherwise. If you are using the Website on behalf of any entity, you represent and warrant that you are authorized to accept these terms on such entity's behalf, and that you agree to indemnify us for violation of this Agreement. Any capitalized term used in this term of use and not defined herein shall have the meaning as defined in the Privacy Policy.

      1.2 The Website facilitate the services rendered by its various partners, via products, software, services primarily relating to financial and insurance products and services including but not restricted to general Insurance, life insurance products, loans, and other related services (the “Services”) with respect to the partner’s related products (the “Product”), however, it is clarified that nothing in this Website shall be deemed or construed as “offer to sell” with respect to the Products and/ or Services of the Company. If you intend to purchase the Products or avail the Services, the User must go to the partner’s website in order to do so.

      1.3 You agree that by accessing this Website, you shall be automatically governed by this Agreement, and/ or any submission of your personal information shall be governed by the Privacy Policy referred herein above. The terms contained in this Agreement shall be accepted without any modification.

      1.4 The Company hereby grants you a limited, revocable, non-exclusive license to access and use the Service for personal use through the Website. This license granted herein does not include any collection, aggregation, copying, duplication, display or derivative use of the Services nor any use of data mining, robots, spiders, or similar data gathering and extraction tools for any purpose unless otherwise set forth in this Agreement. Any use of the Services and/ or the Website beyond the scope of authorized access as set forth in this Agreement immediately terminates any permission or license granted herein.

      1.5 This Agreement is published in compliance of, and is governed by the Personal Data Protection Act 2012 and all other successor legislation and regulation in the performance of the obligations set out under these Terms.

  2. Submission of information
    1. 2.1 Account:

        1.a If you allow a third party, access to the Services through your account, you shall ensure that the said third party is bound by and abides by the terms of this Agreement. All provisions in this Agreement are applicable to the third party.

      Please refer to our Privacy Policy to know more about our policy with regards to collections, storage and use of personally identifiable information provided by you.

      2.2 The Company authorizes you to access the Website solely for the purpose of browsing the Services.

      2.3 You hereby authorize the Company to (i) use your submitted information to contact you, (ii) maintain a record of your queries, visit of the Website, and/ or feedback, and (iii) use all submitted information by you in a manner as it may deem necessary. You specifically understand and agree that by using this website you authorize the Company and its affiliates and partners to contact you in for any follow up calls and/ or renewal reminders in relation to the insurance services, loan packages and other related services provided through this Website. You also agree that the Company reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/ or SMS. You agree to receive promotional materials and/ or special offers from the Company through email or SMS.

      2.4 For certain functions of the Website’s Services, such as reviewing and tracking your browsing of the Services or to provide effective Service through Website, you may be required to provide your name, age, mobile or phone number, and/ or address; without limiting the generality of foregoing, you are required to provide accurate and complete information.

      2.5 The Company may, at any time and without having to serve any prior notice to you, (i) upgrade, update, change, modify, or improve the Website or a part thereof in a manner it may deem fit, and (ii) change the contents of this Agreement or the Privacy Policy. It is your responsibility, in such cases, to review the terms of the Agreement from time to time. Such change shall be made applicable when they are posted. The Company may also alter or remove any content from the Website without notice and without liability. Any material changes shall be highlighted on the first page/homepage of the Website.

      2.6 The Company reserves the right, at its sole discretion, to suspend your ability to use or access the Website (or a part thereof) or the Services at any time while the Company investigates complaints or alleged violations of this Agreement, or for any other reason. Further, it shall also have the ability to prohibit or restrict you from using the Website if the Company, in its opinion, feels that you are misusing the Website in any manner whatsoever.

      2.7 The use of the Website is governed by the Company’s Privacy Policy available on www.bankbazaar.sg. The Company’s Privacy Policy sets forth its standard practices regarding the collection, use and disclosure of personal information that it obtains about you in connection with the Services.

  3. User Covenants
    1. 3.1 The User shall ensure that its use of the Services and/ or the Website, including the submission of any information, data, files and all other material of any format:

      • comply with all applicable laws and legislations;
      • do not infringe any intellectual property rights or other proprietary rights of any third party;
      • not reasonably be deemed to:
        1. be offensive, illegal, inappropriate or in any way:
        2. promote racism, bigotry, hatred or physical harm of any kind against any group or individual;
        3. harass or advocate harassment of another person;
        4. display pornographic or sexually explicit material;
        5. promote any conduct that is abusive, threatening, obscene, defamatory or libellous;
        6. promote any illegal activities;
        7. provide instructional information about illegal activities, including violating someone else’s privacy or providing or
        8. creating computer viruses;
        9. promote or contain information that you know or believe to be inaccurate, false or misleading;
        10. engage in the promotion of contests, sweepstakes and pyramid schemes, without our prior written consent;
        11. exploit people in a sexual or violent manner;
        12. invade or violate any third party’s right to privacy; and
        13. transmit "junk mail", or "chain letters", or unsolicited mass mailing, messaging or “spamming";

      3.2 You are also prohibited from:

        7.a. violating or attempting to violate the integrity or security of the Website;

        7.b. transmitting any information on or through the Website that is disruptive or competitive to the provision of the services provided by the Company;

        7.c. intentionally submitting on the Website any incomplete, false or inaccurate information;

        7.d. using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Website;

        7.e. attempting to decipher, decompile, disassemble or reverse engineer any part of the Website;

        7.f. copying or duplicating in any manner any of the information available from the Website; and

        7.g. framing or hotlinking or deep linking any contents from the Website.

      3.3 The Company, upon obtaining knowledge by itself or having been brought to actual knowledge by an affected person in writing or through email about any such information as mentioned in clause You are also prohibited from: above, shall be entitled to disable such information that is in contravention of clause You are also prohibited from:, the Company shall be entitled to preserve such information and associated records for production to governmental authorities for investigation purposes.

      3.4 Eligibility: The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by the Company for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Website.

  4. Third party information
    1. 4.1 The Website may provide information regarding third party website(s), affiliates or business partners and/ or contain links to their websites (“Content”). Such information and links are provided solely for the purpose of your reference. The Company is not endorsing the material on the Website, is not responsible for such errors and representation nor is it associated with it and you shall access these websites at your own risk. Further, it is up to you to take precautions to ensure that whatever links you select or software you download from the Website, is free of such items such as, but not limited to, viruses, worms, trojan horses, defects and other items of a destructive nature.

      4.2 The Website may contain links to or at times connect or redirect you to websites, apps, services and resources owned or controlled by third parties (collectively “Third Party Services”). The Website does not control or monitor such Third Party Services and you acknowledge and agree that Company is not responsible or liable for the content, functionality or practices of such Third Party Services. When you follow a link on this Website, material at a Third Party website may be displayed in your browser framed by material on this Website. This material is also Third Party Material for the purpose of these terms of use. The inclusion of links to Third Party Services on the Website does not imply approval or endorsement of Third Party Services by the Company, nor does it suggest any association with operators of such Third Party Services. The Website is merely providing the service of an aggregator in the present case.

      4.3 The Website provides these links only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to third party websites. If you decide to leave the Website and access Third Party Services, you do so at your own risk. We suggest that you read the terms of use and privacy policies (if any) of those Third Party Services. You agree not to hold the Company responsible for any harm that may arise based on your access to or use of any Third Party Services.

      4.4 The users agree that the information and links present in the Website may not be owned by the Company. Further, the device enables the users to open such links on the users’ screen. The Company has entered into agreements with certain third party service providers who provide the Company with the service of populating the Website with Content for the benefit of the users.

  5. Intellectual property rights
  6. All the intellectual property used on the Website by the Company, service providers or any third party shall remain the property of the Company, service provider or any other third party as the case may be. You agree not to circumvent, disable or otherwise interfere with security related features of the Website or features that prevent or restrict use or copying of any materials or enforce limitations on use of the Website or the materials therein. The Service is protected to the maximum extent permitted by copyright laws, other laws, and international treaties. Content displayed on or through the Services is protected by copyright as a collective work and/or compilation, pursuant to copyrights laws. The materials on the Website or otherwise may not be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photocopying, recording or other means.

  7. Data protection & privacy policy
    1. 6.1 The Company processes personal data (as such term is defined in the Personal Data Protection Act 2012) which it collects in the course of providing the services in accordance with its standard Privacy Policy which is accessible on the Website.

      6.2 For personal data which is processed by the Company on the User’s behalf as part of the Services, the Company will act strictly in accordance with the User’s instructions by following such processing and security obligations as are contained in these Terms. The User confirms that it is solely responsible for ensuring that any such processing and security obligations comply with all applicable data protection law and legislation. The User hereby indemnifies the Company against all losses, liabilities, costs and expenses (including but not limited to legal costs) arising from or incurred by reason of the User’s failure to comply with this clause 6.

  8. Liability
    1. 7.1 The Company does not provide or make any representation, warranty or guarantee, express or implied about the Website or the Services.

      7.2 The Company shall not be liable for any damages whatsoever, including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the inability to use or performance of the Website or the Services. This shall extend to the loss suffered by you due to delay or inability to use or access the Website or the Services.

      7.3 The Company shall not be responsible or liable in any manner to you for any losses, damage, injuries or expenses incurred as a result of the use of the Website in any manner.

      7.4 The content, Products, and Services published on this Website 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 reserves the right to correct any pricing errors on the site and/ or on pending reservations made under an incorrect price. The Company makes no representation about the suitability of the information, software, products, and Services contained on this Website for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided "AS IS" without warranty of any kind. Company disclaims all warranties and conditions that this site, its services or any email sent from Company, its affiliates, and/or their respective or associated service providers are free of viruses or other harmful components. The Company hereby 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 service providers providing services on this site are independent affiliates and the Company are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. The Company 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, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall the Company 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 (including, but not limited to, your 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, and even if the Company and/or its affiliates their respective service providers have been advised of the possibility of such damages.

      7.5 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.bankbazaar.sg, its web pages, and any material, information, links, or content presented on the web pages at www.bankbazaar.sg. The Website, its web pages, and any material, information, links, or content presented on the web pages at the Website, may be unavailable for online access at any time. Advertising sponsors and advertising, if any and if permitted, must be approved by the Company before the posting of any advertising material, information, links, content, banners, and graphics on www.bankbazaar.sg. The Company reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

  9. Indemnity
  10. You hereby agree to indemnify and hold harmless the Company, its affiliates, officers, directors, employees, consultants, licensors, agents, and representatives from any and all third party claims, losses, liability, damages, and/ or costs (including reasonable attorney fees and costs) arising from (i) your access to or use of the Website in any fraudulent manner, (ii) violation of the Agreement, (iii) infringement, or infringement by any other user of your account with the Company, and (iv) infringement of any intellectual property or other right of any person or entity. The Company will notify you promptly of any such claim, loss, liability, or demand, and in addition to your foregoing obligations, you agree to provide us with reasonable assistance, at your expense, in defending any such claim, loss, liability, damage, or cost.

  11. User Submissions
  12. You understand that while using the Website, you may be exposed to content from a variety of sources, and that the Company is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such content, and you agree and assume all liability for your use. You hereby do waive, any legal or equitable rights or remedies you have or may have against the Company with respect thereto.

  13. Severability
  14. If any provision of this Agreement is determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability shall attach only to such provision or part of such provision and the remaining part of such provision and all other provisions of this Agreement shall continue to be in full force and effect.

  15. Term and Termination
    1. 11.1 This Agreement will remain in full force and effect while you use the Website in any form or capacity.

      11.2 The Company reserves the right to terminate your access to the Website and this Agreement in the event of breach of any terms contained in this Agreement, misrepresentation of information, any unlawful activity or is unable to verify or authenticate any information the you submit to the Company through the Website.

      11.3 Clauses under the headings Covenants, Liability, Indemnity, Intellectual Property, Dispute Resolution, and Notices shall continue and survive the termination of this Agreement.

  16. Governing Law
  17. This Agreement and any contractual obligation between the Company and you will be governed by the laws of Singapore, subject to the exclusive jurisdiction of courts at Singapore.

  18. Headings
  19. The headings and subheadings herein are included for convenience and identification only and are not intended to describe, interpret, define or limit the scope, extent or intent of this Agreement, the terms of Service or the right to use the Website by the users contained herein or any other section or pages of the Website in any manner whatsoever.

  20. Disclaimer
  21. The Website is provided to you on “As Is” basis. The Company hereby disclaims all representation(s) and/or warranty(ies), either express or implied, including without limitation, warranties of fitness for particular purpose, title, non-infringement. In addition thereto the Company makes no representations, warranties or guarantees that:

      7.h. this Website shall be free from any error, loss, destruction, damage, corruption, attack, viruses, interference, hacking, other security intrusion,

      7.i. the use or results of the use of the Website (including all of its content) is or will be accurate, reliable, current, and/or uninterrupted, and

    the Company disclaims any liability relating thereto.

  22. Notices
  23. All notices and communications shall be in writing, in English and shall deemed given if delivered personally or by commercial messenger or courier service, or mailed by registered or certified mail (return receipt requested) or sent via email/ facsimile, with due acknowledgment of complete transmission to the following address:

    A&A Dukaan Financial Services (Singapore) Pte. Ltd.

    80 Robinson Road

    #09-00 Lattice80

    Singapore 068898

  24. Questions & Contact Information
  25. Questions or comments about the Websites or the Services may be directed to the Company at the email address: [email protected]

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