Terms & Conditions

1. Acceptance of Terms

Use of this website constitutes acceptance of these Terms and our Privacy Policy and Cookie Policy.

If you disagree, please refrain from using the website.

2. Use of Website

The content of this website is for informational purposes only.

You agree not to:

• Misuse, hack, or attempt unauthorized access to the website
• Upload viruses, malware, or malicious code
• Copy, scrape, or republish any website content without written permission
• Impersonate any entity or falsify information
• Use the website for unlawful or fraudulent purposes

3. Intellectual Property

All text, graphics, trademarks, and other content are owned by IBS-BIZ.

Freepik-licensed images are used under a valid premium account license held by the design administrator.

4. Limitation of Liability

IBS-BIZ shall not be liable for:

• Any loss or damage resulting from decisions made by financial institutions, bankers, or trading partners
• Errors, delays, or interruptions in website access
• Any indirect, incidental, or consequential damages

All services are provided "as is" without warranties of any kind.

5. Third-Party Links

Currently, our website does not include external links.

Future links, if added, will be clearly disclosed and verified.

6. Governing Law & Arbitration

These Terms are governed by the laws of India.

Any disputes shall be subject to arbitration in Chennai, Tamil Nadu, under the Arbitration and Conciliation Act, 1996.

7. Termination

We reserve the right to restrict or terminate access to the website without notice for any violation of these Terms.

8. Amendments

We may update these Terms from time to time.

Changes will be reflected on this page, with updated effective dates.

9. Language

These Terms are drafted in English, which shall be the governing language for interpretation.