Terms & Conditions

Introduction

Welcome to BANQUEEN.IN. These Terms of Service ("Terms", "Agreement") are a legally binding agreement between you ("User", "Customer", "Retailer" or "you") and BANQUEEN Financial Services Marketplace ("BANQUEEN", "we", "us", "our" or the "Company"), governing your access to and use of the BANQUEEN website, mobile interfaces, retailer portal, APIs and related services (collectively, the "Platform").

By accessing, registering on, browsing, or using the Platform in any manner, you acknowledge that you have read, understood and agree to be bound by these Terms, our Privacy Policy, KYC Policy, AML & Anti-Fraud Policy, Refund & Cancellation Policy, Wallet Usage Policy, Disclaimer and any other policies referenced herein. If you do not agree, you must not use the Platform.

We reserve the right to update these Terms at any time. Material changes will be communicated through the Platform or by email. Continued use after such changes constitutes acceptance.

Definitions

Eligibility

To use the Platform, you represent and warrant that:

• You are at least 18 years of age and legally capable of entering into a binding contract.
• You are a resident of India or an Indian citizen where required for the specific product.
• The information you provide is true, accurate, complete and not misleading.
• You have not been previously suspended or terminated by BANQUEEN for breach of these Terms.
• You are not impersonating another person or using false identity documents.

BANQUEEN reserves the right to refuse service, terminate accounts or cancel applications if eligibility requirements are not met.

User Account

To access certain features, you may be required to register and create an account. You agree to:

• Provide accurate and current registration information.
• Maintain the confidentiality of your password, OTP and account credentials.
• Notify us immediately of any unauthorised use or security breach.
• Accept responsibility for all activities that occur under your account.

We reserve the right to suspend or terminate your account if we suspect fraudulent, abusive or unlawful activity, or for any other reason at our discretion with notice where required.

Services & Marketplace Role

BANQUEEN operates as a technology platform and marketplace that connects users and retailers with regulated financial product providers. Our role is limited to:

• Displaying information, comparisons and eligibility tools for financial products.
• Collecting and securely transmitting application data to product providers.
• Providing dashboards for status tracking, document upload and communication.
• Offering wallet and commission services to authorised retailers.

We Are Not a Financial Institution

BANQUEEN is not a bank, NBFC, insurer, stock broker or investment adviser. We do not lend money, underwrite insurance, issue credit cards, manage deposits or provide personalised investment advice. Approval, interest rates, fees, terms and disbursement of products are determined solely by the relevant product provider.

User Conduct

You agree not to use the Platform to:

• Violate any applicable law, regulation or regulatory guideline.
• Provide false, forged or misleading information or documents.
• Impersonate another person or misrepresent your identity or affiliation.
• Engage in fraudulent transactions, money laundering, identity theft or terrorist financing.
• Interfere with the security, integrity or availability of the Platform.
• Scrape, reverse-engineer or attempt to access non-public parts of the Platform.
• Send spam, phishing messages or unsolicited marketing using the Platform.
• Upload viruses, malware or other harmful code.

Breach of these conduct obligations may result in immediate account termination, legal action and reporting to law enforcement or regulatory authorities.

Product Applications & Disclosures

When you apply for a product through BANQUEEN:

• You authorise BANQUEEN to collect, verify and share your personal and financial information with the selected product provider(s) for the purpose of processing your application.
• You consent to credit bureau checks, KYC verification, document validation and other verification steps as required.
• You understand that product providers will perform their own due diligence and the final decision rests with them.
• You will be bound by the product provider's terms, conditions, privacy policy and product-specific documentation.
• You will review and accept all applicable interest rates, fees, charges, features and risks before accepting an offer.

Interest Rates and Fees

All interest rates, annual fees, processing charges, late payment charges and other fees displayed on the Platform are indicative and provided by product providers. The final, legally binding rates and charges will be communicated by the product provider in the sanction letter, policy document or agreement.

No Guaranteed Approval

BANQUEEN does not guarantee approval of any product. Eligibility tools provide an indication based on the information provided; final approval depends on the product provider's credit, risk and compliance assessment.

Fees & Payments

BANQUEEN and product providers may charge certain fees. Fees are disclosed before you confirm any payment. Common fees may include:

All payments are processed through PCI-DSS-compliant payment gateways such as Razorpay, Cashfree, PhonePe PG, PayU and Easebuzz. BANQUEEN does not store your card or net-banking credentials.

Wallet & Retailer Terms

The BANQUEEN wallet is available only to authorised retailers who have completed onboarding, paid the activation fee and agreed to the Wallet Usage Policy. Wallet balance may be used for:

• Purchasing leads, services and premium tools.
• Paid verification, KYC and application processing services.
• Other BANQUEEN services as communicated from time to time.

Wallet balance is non-transferable between retailers, cannot be converted to cash except under the withdrawal conditions specified, and cannot be used for unrelated or illegal purposes. See the Wallet Usage Policy for full details.

Intellectual Property

All content on the Platform, including but not limited to text, graphics, logos, icons, images, audio clips, software, source code, product comparisons, calculators, databases and compilations, is the property of BANQUEEN or its licensors and is protected by Indian and international copyright, trademark and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and use the Platform for personal or internal business use. You may not:

• Copy, modify, reproduce, republish or distribute Platform content without written consent.
• Use BANQUEEN's trademarks, logos or brand elements without permission.
• Frame, mirror or deep-link to any part of the Platform without authorisation.

Liability & Disclaimers

To the fullest extent permitted by law:

• BANQUEEN is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.
• We do not warrant that the Platform will be uninterrupted, error-free, secure or free from viruses.
• We are not responsible for any product, service, advice or representation provided by product providers, retailers or third parties.
• Our total liability to you for any claim arising from the use of the Platform shall not exceed the amount you have paid to BANQUEEN (excluding product provider fees) in the 12 months preceding the claim.

This limitation does not apply to fraud, gross negligence, wilful misconduct, death or personal injury caused by our negligence, or any liability that cannot be excluded under applicable law.

Indemnity

You agree to indemnify, defend and hold harmless BANQUEEN, its affiliates, officers, directors, employees, agents and partners from any claims, losses, damages, liabilities, costs and expenses (including legal fees) arising from:

• Your use of the Platform in violation of these Terms.
• Your violation of any applicable law or third-party rights.
• Any false, inaccurate or misleading information provided by you.
• Your breach of any product provider's terms or policies.

Termination

BANQUEEN may suspend or terminate your access to the Platform at any time, with or without cause, notice or liability, including but not limited to breach of these Terms, fraud, legal requirement or business necessity.

Upon termination, your right to use the Platform immediately ceases. Provisions that by their nature should survive termination, including intellectual property, indemnity, liability limitation and governing law, will continue to apply.

Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India. Any dispute arising from or relating to these Terms or the Platform shall be subject to the exclusive jurisdiction of the courts at Gurugram, Haryana, India.

Before initiating legal proceedings, you agree to first contact our support team to attempt an amicable resolution. We will make good-faith efforts to resolve disputes within the timelines specified in our grievance policy.

Miscellaneous

• Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any provision does not constitute a waiver of that or any other provision.
• Assignment: BANQUEEN may assign its rights and obligations under these Terms without your consent. You may not assign your rights without our written consent.
• Entire Agreement: These Terms, together with the policies referenced, constitute the entire agreement between you and BANQUEEN regarding the Platform.

Contact

If you have any questions about these Terms, please contact us at Contact Us or email support@banqueen.in.