Terms of Use

This Agreement puts forward the terms and conditions that is applicable to the access and use of the Website “www.aapkabank.com, which is managed and operated jointly by M/s Realmoney, a partnership firm, registered under the Partnership Act, 1932 on 9th February 2008 and Realmoney Advisory Solution Pvt. Ltd incorporated on 21st March 2014, under the laws of India and registered under the Companies Act, 1956 of which Mr. Rajeshwer Tiwari and Mrs. Aruna Pareek are partners and Directors respectively. Both the companies operate conjointly and any such data is shared amongst both the organizations which is strictly confidential. The domain name, www.aapkabank.com has been purchased from the registered domain name portal and is a collective property owned by M/s Realmoney and Realmoney Advisory Solution Pvt. Ltd.

This document/agreement (referred to as “Agreement”) is an electronic record as per Information Technology Act, 2000 and is generated by a computer system which does not require any physical or digital signatures. This document is published in confirmity with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011, that gives the opportunity for the due diligence to be exercised for the access or usage of this Website.

If this Website is accessed or your information is registered on the Website, the users (hereinafter referred to as "you" or "your") agree to the Terms of Use ("TOU"). This Agreement along with Privacy Policy and Disclaimer defines our relationship with you will be in accordance to the rules, guidelines, policies, terms, and conditions applied to any specific Service that is provided by this Website and they shall be deemed to be incorporated into this TOU and shall be considered as part and parcel of this TOU.

It is advised to return to this page periodically to review the latest version of the TOU. We reserve the right at any time, at our sole discretion, to change or otherwise modify the TOU without prior notice, and your continued access or usage of this Website marks your acceptance of the updated or modified version by TOU.


1. Description and Acceptance of Services

Company, hereby present you with access to information primarily about specific financial products/services including loan facility, credit cards facility, etc. Aapka Bank provides loan, credit card facility, credit score and other services . In addition, Company may provide third party services including but not limited to credit check services, and any other services to retrieve and use your details through third party sites (eg. bank sites etc.) in addition with your selection of the Services ("ancillary services"). The above mentioned Services and ancillary services are provided on a commercially reasonably effort basis and you agree that your participation for utilising the above mentioned services is completely at your will and consent.

The continued usage of the Services and ancillary services timely by you would also mark the acceptance of the TOU including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.

You agree and permit Company to share your information with its group companies and other third parties, in so far as required for joint marketing purposes/offering various services/report generations and/or to similar services to provide you with various value added services, conjointly with the Services selected by you or otherwise. You allow by your consent to receive communications through emails, telephone and/or SMS, from the Company or its third party vendors/business partners/ marketing affiliates regarding the Services/ancillary services updates, information/promotional emails and/or product announcements. In this context, you agree to receive all communications on the contact number given by you, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you also give the authority to the Company to share/disclose the information to any third party service provider or any affiliate, its group companies, authorized agents.

Company will keep and use your information as needed to comply with our legal obligations, resolve disputes and enforce our agreements entered into for providing Services and ancillary services.

2. License and Website Access

You admit and agree that Company 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). You further acknowledge that the Services may have information which is designated confidential by Company and that you shall not disclose such information without Company`s prior written consent in any case. The contents of the Website, including its "look and feel" (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are the owned/licensed by/to Company and/or its third Party Service Providers/their licensors and are wholely protected by them under applied copyright, trademark and other laws.

Company grants you a limited license to make use of the Website, the Services and ancillary services. This license does not include any downloading or copying of any kind of information for the profit of another individual, vendor or any other third party or to 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. Any unauthorized access by you shall end up the permission or license granted to you.

By using the Website you admit not to: (i) use this Website or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Website using any robot, spider, scraper, or other automated mediums or any manual process for any cause without our express written permission; (iv) breach the restrictions in any robot exclusion headers on this Website or bypass or restrict or circumvent other measures deployed to restrict or limit access to this Website; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately huge pressure on our infrastructure; (vi) deep-link to any portion of this Website (including, without limitation, the purchase path for any service) for any cause without our express written permit; or (vii) "frame", "mirror" or otherwise assimilate any part of this Website into any other website without our prior written permit.