Terms & Conditions – YHM Bank Ltd

1. Introduction
Welcome to YHM Bank Ltd. By accessing or using our website, mobile application, or any of our services (collectively referred to as “the Platform”), you agree to comply with and be bound by these Terms & Conditions. If you do not agree with any part of these Terms & Conditions, you must immediately discontinue using the Platform.

2. Eligibility
You represent and warrant that you are of legal age to form a binding contract and have the legal authority to use the services provided by the Bank. You agree to provide accurate, current, and complete information when creating an account or using our services.

3. Use of Platform

• You agree to use the Platform solely for lawful purposes.

• You must not use the Platform in any manner that could damage, disable, overburden, or impair the Platform or interfere with any other party’s use.

• Unauthorized use of the Platform, including hacking, data mining, or extracting information, is strictly prohibited.

4. Account Security

• You are responsible for maintaining the confidentiality of your account credentials, OTPs, passwords, and other security information.

• Any activity that occurs through your account is your responsibility.

• YHM Bank Ltd will not be liable for any loss arising from unauthorized access to your account unless caused by the Bank’s gross negligence or willful misconduct.

5. Banking Products & Services

• All banking products, services, offers, and interest rates are subject to change without prior notice.

• Eligibility, terms and conditions, fees, charges, and regulatory requirements apply to all products and services.

• By using the Platform, you agree to comply with all applicable laws, regulations, and guidelines issued by regulatory authorities.

6. Third-Party Services

• The Platform may contain links to third-party websites, services, or content.

• YHM Bank Ltd does not endorse or guarantee the accuracy, reliability, or legality of any third-party services.

• Accessing third-party services is at your own risk.

7. Intellectual Property

• All content, logos, graphics, software, and trademarks on the Platform are the property of YHM Bank Ltd or its licensors.

• You are not permitted to copy, reproduce, distribute, modify, or use any content for commercial purposes without prior written consent from the Bank.

8. Privacy and Data Protection

• Your use of the Platform is governed by the Bank’s Privacy Policy.

• By using the Platform, you consent to the collection, use, and storage of personal and financial data as outlined in the Privacy Policy.

• The Bank is committed to maintaining high standards of security and confidentiality for your information.

9. Limitation of Liability

• To the maximum extent permitted by law, YHM Bank Ltd, its directors, employees, or affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Platform.

• The Bank does not guarantee uninterrupted access, error-free operation, or security of the Platform.

10. Indemnification
You agree to indemnify and hold harmless YHM Bank Ltd, its officers, employees, and agents from any claims, liabilities, losses, damages, costs, or expenses (including legal fees) arising from your use of the Platform or breach of these Terms & Conditions.

11. Amendments
YHM Bank Ltd reserves the right to modify, amend, or update these Terms & Conditions at any time without prior notice. Changes will be effective immediately upon posting on the Platform. Your continued use of the Platform constitutes acceptance of the updated Terms & Conditions.

12. Governing Law and Jurisdiction
These Terms & Conditions are governed by and construed in accordance with the laws of India. Any disputes arising out of or relating to these Terms & Conditions shall be subject to the exclusive jurisdiction of courts in the state where YHM Bank Ltd has its registered office.

13. Contact Information
For any questions, concerns, or clarifications regarding these Terms & Conditions, please contact our customer support:

• Email: support@ybl.org.in

• Phone: 1800 313 9898

• Address: Daboka Gonipur Hojai Assam 782440