This is a site click-wrap agreement which means that by just clicking on this site, any user gives implied acceptance to the Terms and Conditions governing this site.
A user may indicate his / her rejection, by immediately exiting or clicking cancel or closing the window. Upon rejection, the user cannot use this site or purchase the product or service.
All the terms and conditions may not always appear on the same webpage or window.
In using this site you are deemed to have read, understood and expressly agreed to the following Terms and Conditions which shall be binding on you:
These Terms and Conditions (‘T&Cs’) govern the use of services pertaining to Education Loan (“Services”) which is provided by the selected Bank to its Users / Students , through web portal facilitated by Protean eGov Technologies Limited (Formerly NSDL eGovernance Infrastructure Limited, herein referred as Protean eGov). These T&Cs of use and any additional terms posted on this site from time to time which together constitute and represent the whole agreement and understanding between the Selected Bank, Protean eGov and the persons/Users/Students who avail the Services and is to be read with the T&Cs..
All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of assistance to the Client in the most appropriate manner, for the express purpose of meeting the Client’s needs in respect of the Company’s stated Services, in accordance with and subject to, prevailing Indian Laws.
To avail of the Services you have to follow and comply with the Guidelines as provided on the site of VidyaLakshmi services www.vidyalakshmi.co.in
a. References to “the Company”, “Ourselves”, "We" or "Us" in these T&Cs, the Privacy Policy in Clause 14, the Disclaimer Notice in Clause 28 herein below, and any or all Agreements, shall mean the Company.
b. References to “Client”, “Subscriber”, "You" and “Your” refers to you, the person or the user accessing this site to avail of the Services as offered by the Company and accepting the Company’s T&Cs. These terms “Client”, “Subscriber” “You” etc. shall also mean “Originator” as defined under section 2 of the Information Technology Act, 2000 and attribution of this agreement as electronic record under section 11 of the aforementioned Act shall be construed accordingly..
c. References to the “site" in these T&Cs are to this website and its contents.
d. The Company and the Client shall collectively be referred to as “Parties” and individually as “Party”.
e. “Dispatch” of an electronic record occurs when it enters a computer resource outside the control of the Originator.
f. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to the same.
PLEASE READ THE T&Cs CAREFULLY.
By accessing, browsing or using this site and the Services, you unconditionally accept, without limitation or qualification, the T&Cs as set forth herein. Further, by accessing any of the sub-sites (whether belonging to an associate of the Company or otherwise) through the site, then such sub-site may have its own terms and conditions, which are specific to such sub-site.
By agreeing to the Terms and Conditions listed herein and clicking on the “Submit” button, I hereby consent to provide information that may be deemed as Sensitive Personal Data or Information (SPDI) under the Information Technology Act, 2000.
I understand that my submission of the information mentioned above will be used by Protean eGov only for limited purpose of providing me the necessary services for which I have enrolled with the Vidyalakshmi platform.
In the event that any of the T&Cs herein conflict with any additional terms or other terms contained within any other document of the Company, then these T&Cs shall prevail.
The domain name www.vidyalakshmi.co.in (hereinafter referred to as the "site") is operated and maintained by Protean eGov Technologies Ltd., a company incorporated under the Companies Act, 1956 with its registered office at 1st Floor, Times Tower, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai – 400013 (hereinafter referred to as "Protean eGov").
Upon availing the services of Education Loan from the selected Bank You shall be contracting on a principal to principal basis with the said Bank for the services required by you. All commercial/contractual terms are offered by and agreed to on a principal to principal basis between the selected Bank and You as mentioned in the terms and conditions of the said Bank to avail the services. The terms and conditions of the said Bank for providing Education Loan including the policies and the terms of use hereunder constitute your binding.
You agree to abide by all instructions provided on this site regarding the way you may use the Content.
Access to certain areas of the website may only be available to registered Users/Students. To become a registered User/Student, you expressly undertake to provide only correct and valid information/details to answer certain questions while requesting for any Services under this Agreement.
Answers to such questions or information/details required may be mandatory and/or optional. You represent and warrant that all information/details you supply to us, about yourself, are true and accurate and you shall not misrepresent any facts. You hereby provide your consent to the Selected Bank(s) and Protean eGov, to share the information provided by you with their service providers and their sub-contractor(s), strictly for the purpose of providing services under this agreement.
At any time during or after receiving a request for Services from you, if the Selected Bank (s) and /or Protean eGov has reason to believe the same to be unauthorized, untrue or false, the Selected Bank(s) and /or Protean eGov in its sole discretion shall have the right to take any steps against you, including cancellation for the Services paid for if any, etc. without any prior information to you. In such an event, the Selected Bank(s) and Protean eGov shall not be responsible or liable for any loss or damage that may be caused to you as a consequence of such cancellation of the relevant Services.
When you apply to use our Services, you will be asked to enroll/register by following a guided process and then be issued a Login ID and Password. The Login ID and Password are the means through which you access certain Services. You acknowledge and agree that it is your responsibility to safeguard the Login ID and Password you select from any unauthorized use and to ensure that the same is not revealed to any third party. You will immediately notify us if your Login ID and / or Password is lost or becomes known to another person and you are solely responsible for all access to and use of this site and you shall not let any other person use your Login ID and / or Password or any registered user or subscriber Services.
IT IS YOUR SOLE RESPONSIBILITY TO KEEP YOUR LOGIN ID AND PASSWORD SAFE AND SECURE AND NOT SHARE IT WITH ANYONE.
IN NO EVENT WILL Protean eGov BE LIABLE FOR THE UNAUTHORIZED USE OR MISUSE OF YOUR LOGIN ID OR PASSWORD.
Subscribers are responsible for maintaining accurate account information at all times, including e-mail and contact information. This information can be updated in your account control panel.
The fee for the Services, if any is subject to change at any time. You should make sure you are aware of the fee for the Services / scheme using which you are availing this service, before you avail it.
We may cancel or discontinue your use of or access to the Services without liability to for future Services if you breach any of these terms.
However, we do not assume any obligation to monitor or censor materials.
Any request for changes, will be handled offline and through separate channel that can be provided to the client on request. You are requested to contact us using contact information given in www.vidyalakshmi.co.in/contact-us.html
You agree to indemnify, defend and hold harmless Protean eGov and/or its affiliates, their websites and their respective lawful successors and assigns from and against any and all losses, liabilities, causes of action, claims, demands, damages, costs and expenses, including reasonable legal fees and interest chargeable, brought by third parties as a result of :-
You shall be solely and exclusively liable for any breach of any country specific rules and regulations or general code of conduct and Protean eGov cannot be held liable for the same.
Any information specifically mentioned by Protean eGov as confidential shall be maintained confidentially and shall not be disclosed unless as required under any law to the appropriate authorities or to serve the purposes of T&Cs and the obligation of the parties concerned.
We are committed to protecting your privacy. Our Privacy Policy sets out our obligations with respect to the safeguarding, collection and use of the personal information of our Clients. Authorized employees, representatives and use any information collected from individual Clients on a need to know basis only. We periodically review our systems and data to ensure the best possible service to our Clients.
We take appropriate steps to protect the information you share with us. We have effective technology and security features and strict policy guidelines to safeguard the privacy of your personally identifiable information from unauthorized access, misuse and disclosure.
Email newsletters will only be sent directly by the Company. Subscriber information will not be disclosed or sold to any third parties.
The Company will continue to reinforce its security procedures as advanced technology becomes available, to ensure that its security procedures are compliant with current applicable regulations.
If our Privacy Policy changes in the future, it will be posted here and a new effective date will be shown. You should access our Privacy Policy regularly to ensure you understand our current policies.
The Company’s interactive site uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site for enabled functionality of this site.
If you avail of the Services from us through this site, the following conditions apply (in addition to, and to the extent these conditions are consistent with, any terms or conditions relating to the Services appearing elsewhere on our web pages or otherwise the subject of an agreement between us):
Once the Services are opted by you, no refund of amount is permitted.
Both, the User/Student & Protean eGov, have the right to terminate any Services for any reason, including ending of Services that are ongoing. No refunds shall be allowed and offered, where a Service has been initiated.
We shall not be liable for any delay, interruption or failure in the provisioning of Services if caused by acts of God, declared or undeclared war, fire, flood, storm, slide, earthquake, power failure, the inability to obtain equipment, supplies or other facilities or other similar events beyond our control that may prevent or delay the provisioning of Services.
If any part of this Agreement is found to be invalid or unenforceable under the applicable laws, such part will be ineffective to the extent of such invalid or unenforceable part only, without affecting the remaining parts of this Agreement in any way.
We may, in our sole discretion, change or modify this Agreement at any time, with or without notice. Such changes or modifications shall be made effective for all Users / Students upon posting of the modified Agreement to the site. You are responsible to read this document from time to time to ensure that your use of the Services remains in compliance with this Agreement.
We do not accept agreements and payments from persons below the legal age of 18 years. By submitting your account application, you confirm that you are over 18 years of age or you are the parent or legal guardian of the applicant and have accepted this Agreement on his / her behalf.
No waiver of any of the provisions of this Agreement will be deemed to constitute a waiver of any other provision nor shall such a waiver constitute a continuing waiver unless otherwise expressly provided in writing duly executed by the party to be bound thereby.
This Agreement, as may be updated from time to time and posted at www.vidyalakshmi.co.in represents the complete agreement and understanding between us with respect to the Service and supersedes any other written or oral agreement.
You agree that, unless other instructions are posted on this site, any notices required to be given under this Agreement will be deemed to have been given if delivered by email or fax, or sent by registered mail or by courier to each of the parties in accordance with the most current contact information you have provided to us, and the contact information for Protean eGov as posted on the site. All notices shall be effective upon receipt, except that email and fax notices shall be effective upon transmission.
If you require specific advice for your individual circumstances, consult an appropriate expert directly. Do not rely on the general material on this site. We will endeavour to assist you if you specifically inquire about matters in which we have expertise, but cannot accept any responsibility for doing this.
THIS WEBSITE AND ITS CONTENTS ARE FOR YOUR NONCOMMERCIAL AND PERSONAL USE ONLY. Protean eGov MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THIS WEBSITE OR ITS CONTENTS, DOES NOT ASSUME RESPONSIBILITY FOR OR MONITOR CONTENT ON ANY PAGES/WEBSITES THAT ARE NOT PART OF Protean eGov, AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY AND FITNESS FOR PURPOSE RELATING TO THIS WEBSITE AND/OR ITS CONTENT AND/OR ANY WEBSITE TO WHICH IT IS LINKED ARE HEREBY TO THE FULLEST EXTENT PERMITTED BY LAW EXCLUDED. NO REPRESENTATIONS OR WARRANTIES ARE GIVEN AS TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION PROVIDED ON THIS WEBSITE, OR ANY WEBSITE TO WHICH IT IS LINKED.
Protean eGov shall not be responsible for any loss, liability, damage (whether direct, indirect or consequential), personal injury or expense of any nature whatsoever which may be suffered by you or any third party as a result of or which may attributable, directly or indirectly, to your access and use of the Services and on account of your giving deliberate false and/or misleading information to avail of the services by you. Entering this site and/or registration for Services, availing of the Services from this website will be taken as your understanding and acceptance of this disclaimer.
THE USE BY US OF ANOTHER’S TRADE MARK ON THIS SITE IS NOT OF ITSELF INTENDED TO INDICATE ANY ASSOCIATION WITH OR ENDORSEMENT BY OR OF THE OWNER OF THAT TRADE MARK.