By using Bdrates.com’s products, software, services and web sites (referred to collectively as the “Services”), you understand and agree that Bdrates.com will treat your use of the Services as acceptance of these terms and conditions (“Terms”) from that point onwards. “Bdrates. com” means “Bdrates Holdings Limited”., whose principal place of business is at 6/12 Humayun Road,Block-B, Mohammadpur, Dhaka-1207, Bangladesh. In order to use the Services, you must first agree to the Terms. You may not use the Services if you do not accept the Terms. “Website” refers to all Bdrates.com’s web sites.

We recommend you study these terms and conditions for future reference.

  1. Proprietary rights

    You acknowledge and agree that Bdrates.com owns all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights are registered or not, and wherever in the world those rights exist). You further acknowledge that the Services may contain information which is designated confidential by Bdrates.com and that you shall not disclose such information without Bdrates.com’s prior written consent. You may not copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of Bdrates.com’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.

  2. Usage of the Website

    The Website is intended for personal, non-commercial use. Only register to become a member of the Website if you are of sufficient legal age and can enter into binding contracts. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission). You may only use the Website to search for and to apply for loans, credit cards and other personal finance products and you may not use the Website to make any fraudulent applications. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. We're running the Website in India, so remember that by using the Website, we need you to agree to comply with laws that apply to India and your own country, including laws that apply to exporting technical data.
    We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate or restrict your access to all or any component of the Website.

  3. Website Usage Terms

    You shall not upload, publish, transmit, update, modify, share, host or display any information that:

    1. belongs to another person and to which you do not have any right to;
    2. invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
    3. harms minors in any way;
    4. infringes any patent, trademark, copyright or other proprietary rights;
    5. violates any law for the time being in force;
    6. deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
    7. impersonates another person;
    8. contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
    9. contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
    10. threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.
    11. Privacy policy
      By using the Website, you consent to the use of your information as we outlined in our Privacy Policy.

  4. Our Partners

    Bdrates.com’s display on or through the website of loan, credit card or other personal finance product options offered by third parties does not in any way imply, suggest, or constitute any sponsorship or approval of Bdrates.com by any such third parties. Bdrates.com’s display of specific options does not suggest a recommendation by Bdrates.com of the third parties or their loan, credit card and other personal finance products. You agree that Bdrates.com is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Website is at your own risk, and Bdrates.com will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.

  5. Disclaimer of warranty

    The Website and all content and services provided on the Website are provided on an “as is” and “as available” basis. Bdrates.com expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Bdrates.com makes no warranty, and expressly disclaims any obligation, that:

    1. the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances;
    2. the Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis;
    3. the results that may be obtained from the use of the Website or any services offered through the site will be accurate or reliable; or
    4. the quality of any products, services, information, or other material obtained by you through the site will meet your expectations.

  6. Limitation of liability

    Bdrates.com (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for (a) any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with (i) any failure or delay (including without limitation the use of or inability to use any component of the Website), or (ii) any use of the Website or content, or (iii) the performance or non performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Website or your downloading of any content from the Website.

  7. Additional terms

    You may not assign or otherwise transfer your rights or obligations under these Terms. Bdrates.com may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. We may modify these Terms, at any time, by posting notice on the Website at least ten (10) days before any modification becomes effective. Usage of the Website following the posting of notice of any modification will be subject the Terms in effect at the time of your usage. If you object to these Terms or any subsequent modifications to these Terms or become dissatisfied with the Website in any way, your only recourse is to immediately terminate use of the Website. Other terms and conditions may apply to loans, credit cards or other personal finance products that you applied for on the Website. You will observe these other terms and conditions. If any of these Terms is found to be unenforceable or invalid by a court, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will continue to remain valid and enforceable. These Terms, together with those agreements made a part of these Terms by reference, make up the entire agreement between Bdrates.com and you relating to your use of the Website, and replace any prior understandings or agreements (whether oral or written) regarding your use of the Website. The laws of the India, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of them. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in Gurgaon, India. In any such action or any action we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement.

  8. Feedback

    Your feedback makes use better, please feel free to share it with us. Do drop a line at queries@Bdrates.com in case of queries, grievances, feedback or suggestions related to Bdrates.com. We will assume no responsibility for reviewing unsolicited ideas and will not incur any liability as a result of any similarities between those ideas and materials that may appear in future Bdrates.com programs. Please do not reveal trade secrets or other confidential information in your messages to Bdrates.com. Any and all rights to materials submitted to us become the exclusive property of Bdrates.com.