NIBIR - Micro Service Foundation

1. Acceptance of Terms

By accessing or using the services provided by NIBIR MICRO SERVICE FOUNDATION("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

NIBIR MICRO SERVICE FOUNDATION provides financial assistance services to individuals and communities. Our services include:

Financial assistance programs tailored to individual needs
Community support and development initiatives
Digital tools for managing financial services
Regular recurring deposit (RD) savings programs

3. Eligibility

To use our services, you must:

Be at least 18 years of age
Be a resident of India
Provide valid identification documents
Meet our eligibility criteria for specific services
Have the legal capacity to enter into binding agreements

4. User Responsibilities

As a user of our services, you agree to:

Provide accurate and complete information during registration
Keep your account credentials secure and confidential
Notify us immediately of any unauthorized access
Use our services only for lawful purposes
Comply with all applicable laws and regulations
Make timely payments as per agreed schedules
Not misuse or attempt to manipulate our systems

5. Financial Services Terms

5.1 Assistance Programs

Financial assistance provided is subject to approval based on our evaluation criteria. Approval is at our sole discretion, and we reserve the right to decline applications.

5.2 Repayment Obligations

Beneficiaries are required to make repayments as per the agreed schedule. Late payments may result in additional charges as outlined in your agreement. Failure to repay may affect your eligibility for future services.

5.3 Service Charges

Service charges and fees applicable to our programs will be clearly communicated before you accept any financial assistance. All charges comply with applicable regulations.

6. Intellectual Property

All content, trademarks, logos, and intellectual property on our platforms are owned by NIBIR MICRO SERVICE FOUNDATION. You may not reproduce, distribute, or use our content without written permission.

7. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

8. Limitation of Liability

To the maximum extent permitted by law, NIBIR MICRO SERVICE FOUNDATION shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

9. Indemnification

You agree to indemnify and hold harmless NIBIR MICRO SERVICE FOUNDATION, its directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these terms.

10. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting on our website. Continued use of our services after changes constitutes acceptance of the modified terms.

11. Termination

We may suspend or terminate your access to our services at our discretion if you violate these terms or engage in fraudulent activities. You may also terminate your account by contacting us, subject to fulfilling any outstanding obligations.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in West Bengal, India.

13. Contact Information

For questions about these Terms of Service, please contact us: