WEBSITE (CLICK WRAP) AGREEMENT – TERMS AND CONDITIONS

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:

1. GENERAL

   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 Canara Bank. 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, Canara Bank 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 Canara Bank’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 PM-Vidyalaxmi services www.pmvidyalaxmi.co.in

2. DEFINITIONS

   1. References to “Ourselves”, "We" or "Us" in these T&Cs, the Privacy Policy in Clause 15, the Disclaimer Notice in Clause 28 herein below, and any or all Agreements, shall mean the Canara Bank.
   2. 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 Canara Bank and accepting the Canara bank’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.
   3. References to the “site" in these T&Cs are to this website and its contents.
   4. The Canara Bank and the Client shall collectively be referred to as “Parties” and individually as “Party”.
   5. “Dispatch” of an electronic record occurs when it enters a computer resource outside the control of the Originator.
   6. 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.

3. 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 Canara Bank 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, you hereby consent to provide information that may be deemed as Sensitive Personal Data or Information (SPDI) under the Information Technology Act, 2000 or Personal Data under Digital Personal Data Protection Act, 2023 (once effective). You understand that your submission of the information mentioned above will be used by Canara Bank only for limited purpose of providing you the necessary services for which you have enrolled with the Vidyalaxmi 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 Canara Bank, then these T&Cs shall prevail.

4. ROLE OF Canara Bank

   The domain name www.pmvidyalaxmi.co.in (hereinafter referred to as the "site") is operated and maintained by Canara Bank on behalf of Department of Higher Education, Ministry of Education (hereinafter referred to as the "DoHE"), a body corporate constituted under Banking Companies (Acquisition and Transfer of Undertakings) Act 1970 having its Registered Office at 112, JC Road, P.B. Halsurpete, Nagarathpete, Bengaluru – 560 001. 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.

5. SITE CONTENTS AND PROPRIETARY RIGHTS

   You agree to abide by all instructions provided on this site regarding the way you may use the Content.

   1. Unless otherwise specified, the Services are only for your personal and non-commercial use.
   2. All materials of the Canara Bank, including but not limited to text, images, photographs, graphics, audio, video, software, icons or other material (the “Content”) which belong to the Canara Bank are protected under international conventions, the Copyright Act, 1957, and all other applicable Indian laws, with amendments, rules and regulations. You shall not use the Content for any purpose, except as specified herein.
   3. You acknowledge and agree that you shall not transmit, distribute, show, exchange, modify, sell, upload post, reproduce, copy, mirror, frame, republish, download, store (in any medium), up-load to a third party, adapt or change in any way this Content or the Services that is/are protected by copyright or other proprietary right of a third party, or create derivative works of the Content or the Services for any business, commercial or public purpose without the express written authorization of the Canara Bank, except to the extent that such copying/printing is necessary for the purposes of availing of the Services on the site.
   4. There are proprietary logos, Service marks and trademarks on this site either owned/used by the Canara Bank or any other third party(s). By displaying them on this site, Canara Bank is not granting any license to utilize those proprietary logos, Service marks, or trademarks. Any unauthorized use of the Content by you may violate the extant copyright laws, trademark laws, the laws of privacy and publicity, leading to personal liability along with civil and criminal action against you.

   5. This prohibition does not extend to:

      1. Materials on this site which are expressed to be freely available for re-use or replication, subject to any conditions we specify; or
      2. Any fair dealing for the purposes of private study, research, criticism or review.
   6. Upon you agreeing to comply with these T&Cs, you shall be granted a non-exclusive, non-transferable, limited right to enter, view and use this site.

6. PROHIBITED CONDUCT

   1. You shall not interrupt or attempt to interrupt the operation of this site in any manner whatsoever.

   2. You agree not to use the Services we provide via the site to:

      1. Transmit any information or do anything that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
      2. Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
      3. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted through the Services;
      4. Transmit any information that you do not have a right to transmit or which infringes another's rights;
      5. Carry out any activity which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world;
      6. Carry out any activity which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data);
      7. Interfere with or disrupt the Services, servers or networks connected to the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Services; or collect or store personal data about other users; or

      8. Transmit content:

         1. Which exploits children under 18 years of age;
         2. Which infringes or violates any copyright, patent, trademark, service mark, trade name, trade secret, or other intellectual property right of any third party;
         3. Which promotes mail fraud, multi-level marketing (pyramid) schemes or other illegal or fraudulent activities;
         4. Which posts or discloses any personally identifying information or private information about any third parties without their express consent;
         5. That has been promoted through the sending of spam or mail fraud schemes, or pages that promote or condone the sending of spam. The sending of the same will result in an immediate suspension of the Services availed by you.
         6. That is or contains links to nudity, pornography, adult content, materials with sex or foul language.

7. REGISTERED USER/STUDENT

   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 Canara Bank and Selected Bank(s), 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 Canara Bank has reason to believe the same to be unauthorized, untrue or false, the Selected Bank(s) and /or Canara Bank 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 Canara Bank 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.

8. SUBSCRIBER RESPONSIBILITY

   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 CANARA BANK 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.

9. MONITORING SITE CONTENT

   However, we do not assume any obligation to monitor or censor materials.

   1. If you submit material to this site, you permit us, for any reason, to:

      1. monitor the content of this site, including chat rooms, electronic bulletin boards, forums and other communications facilities, to determine compliance with these conditions; and,
      2. Edit, refuse to post or remove any material submitted by you.

   2. We reserve the right to host moderated or un-moderated forums or other web pages to which site users can post materials ("Forums"). We are not responsible for:

      1. Materials posted to Forums by third parties, whether or not we moderate those Forums;
      2. Materials altered by us in moderating Forums; or
      3. Our removal of, or failure to remove, all or any part of those materials.

10. TERMINATION / PLAN CHANGE POLICY

    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.pmvidyalaxmi.co.in

    1. We may terminate the Services availed by you in the following circumstances (non – exclusive list):

       1. Non-payment of fees;
       2. If you are in breach of any of these T&Cs;
       3. If your use of the Services disrupts our business operations or affects any other party.
       4. If required by law, directions of regulators etc.

    2. On any of your Services being terminated, your data will be removed from the site.

    3. When submitting your cancellation request, you must provide the correct username and password for your account for verification. Incomplete cancellation requests will be deemed invalid and will not be processed. You will be responsible for any Service fees that arise from your failure to cancel your account.

11. RESERVATION OF RIGHTS

    1. We reserve the right and sole discretion to:

       1. Censor any Content on the site that is deemed inappropriate;
       2. Terminate any Services for non-payment of fees, for providing fraudulent account information or fraudulent payment information;
       3. Terminate any Services if they result or may result in, or are the subject of, legal action or threatened legal action against Canara Bank or any of its affiliates or partners, without consideration for whether such legal action or threatened legal action is eventually determined to be with or without merit;
       4. Terminate any Services at any time, with or without notice, for conduct that is in breach of this Agreement, for conduct that we believe is harmful to our business or for conduct where the use of the Services is harmful to any other party;
       5. Cooperate fully with any law enforcement authority in any jurisdiction in respect of a lawful direction or request to disclose the identity or other information about anyone posting materials which the authority claims violation of any applicable law;
       6. Modify, suspend or terminate, temporarily or permanently, the access to the site and the related services or any portion thereof at any time, without notice, for general maintenance or for any other reason. This includes removing information transmitted by you to us. You agree that it may be necessary for us to temporarily suspend the Services for technical reasons or to maintain network equipment or facilities.

    2. By submitting personal information via any of the online forms on the site, you agree to be contacted (either by phone, WhatsApp or email) by a representative of the Canara Bank or Selected Bank(s) or its associate / affiliate.

12. LIMITATION OF LIABILITY

    1. The Services provided on an "as is" and "as available" basis and the use of the Services is at your own risk. The Services will be provided to the best of our capabilities. However, the Services are subject to the correct and accurate information submitted by you and Canara Bank shall not be liable for any consequences whatsoever arising from wrong, incomplete, inaccurate, misleading information provided by you. We make no representations or warranties, either expressed or implied, with respect to the Services, or any service or information provided through the Service. We are not responsible for any damages, injury or economic loss arising from the use of the content or Services provided by us.

    2. The Services shall be provided subject to and based upon the details and/or information as provided by you. In case the details are inaccurate and do not comply with the Guidelines, Canara Bank shall have no liability whatsoever.

    3. We, our officers, directors, owners, agents, employees and Canara Bank shall in no way be liable to you or anyone else for any direct, indirect, incidental or consequential damages or economic loss or injury resulting howsoever arising, whether in contract, tort or otherwise from your use or inability to use this site, or any of its contents, or from any action or omission taken as a result of using the Services or in connection with this site, any other services or products provided to you or any other website to which this site is linked. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:

       1. Your reliance on the completeness, accuracy, suitability or currency of the site or its content (including third party material and advertisements on this site), irrespective of any verifying measures taken by us. This site is designed for general interest only. It is not advice and you should not rely on it without independent verification;
       2. Failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorized access to records;
       3. The provision of credit card or other financial information, the failure to complete (or delay in completing) any transaction, or other loss or damage arising from any e-commerce transacted or attempted to be transacted on this site;
       4. Defamatory, threatening, offensive or unlawful conduct of third parties or our publication of any materials relating to or constituting such conduct.
       5. Further, the Canara Bank shall not be held liable for any damages or economic loss, whatsoever, as a result of notifying any official of potentially illegal content on the site, or for providing copies of your data files to the appropriate authorities or cooperating with law enforcement efforts to locate persons who have posted content that is illegal or promotes illegal conduct.
       6. However, nothing contained in the Clause shall exclude or limit our liability which cannot be excluded or limited under applicable law.

13. INDEMNIFICATION

    You agree to indemnify, defend and hold harmless Canara Bank or its 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 :-

    1. Any breach or non-performance of any representation, warranty, covenant or agreement made or obligation to be performed by you pursuant to this agreement;
    2. Violation of any law or rights of a third party by you; or
    3. Use of this site by you.

    You shall be solely and exclusively liable for any breach of any country specific rules and regulations or general code of conduct and Canara Bank cannot be held liable for the same.

14. CONFIDENTIALITY

    Any information specifically mentioned by Canara Bank 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.

15. PRIVACY POLICY

    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 agents will 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. The Canara Bank 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. Personal details entered in the application will be forwarded to the integrated Bank for further processing of the application only after the authorization of the user. In such a case receiver bank shall be responsible for the privacy and security of personal details shared to them.

16. COOKIES

    The Canara Bank’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.

17. THIRD PARTY ADVERTISEMENTS AND LINKS

    1. We may provide links to other websites for your convenience. We do not take responsibility or endorse the content of those websites and are not liable for their availability or for any loss or damage incurred by the use or non – use of such websites. You may access such websites at your own risk. Further, if you avail of any goods or services from such websites, your contract for the supply of those goods and services will be with the third party operating that website. We will not be responsible with respect to such goods and services.
    2. Certain parts of this site may contain advertising. We are not responsible for the content of any advertising material or any errors or inaccuracy in any advertising or sponsorship, which is the responsibility of the advertiser. We partner with third-party advertising companies to serve ads and/or collect certain information when you visit our website. These companies may use cookies or web beacons to collect non-personally identifiable information [not including your name, address, email address or telephone number] during your visit to this website in order to help show advertisements on other websites likely to be more interesting to you. You hereby provide your consent for the above arrangement.

18. TERMS OF TRADE

    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):

    1. Your order is an offer to avail of the Services which we may accept, in whole or in part, by providing the same to you. Any acknowledgment of your order is only to confirm receipt of your transmission, notwithstanding that it might state or imply that your order has been accepted;
    2. Where the Services offered through this site are supplied by third parties, we are an ordering intermediary only and are not responsible for those Services or their delivery;
    3. The fee is as stated on this site at the time of the order, expressed in Indian Rupees unless otherwise indicated;
    4. Unless otherwise stated, the fee excludes any applicable service tax and delivery and insurance charges;
    5. The provision of Services to you does not confer on you any intellectual property rights (such as marks, designs, copyright or patents) inherent in the Services supplied;
    6. Services available through this site are subject to change at any time without notice. Listed Services may not be available immediately or at all. Further, the fee of the same may change; and

19. CANCELLATION/TERMINATION POLICY

    Once the Services are opted by you, no refund of amount is permitted. Both, the User/Student & Canara Bank, 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.

20. FORCE MAJEURE

    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.

21. UNENFORCEABLE PROVISIONS

    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.

22. AMENDMENT

    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.

23. AGE OF MAJORITY

    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.

24. WAIVER

    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.

25. ENTIRE AGREEMENT

    This Agreement, as may be updated from time to time and posted at www.pmvidyalaxmi.co.in represents the complete agreement and understanding between us with respect to the Service and supersedes any other written or oral agreement.

26. NOTICES

    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 Canara Bank as posted on the site. All notices shall be effective upon receipt, except that email and fax notices shall be effective upon transmission.

27. GOVERNING LAW AND DISPUTE RESOLUTION

    The rights and obligations of the parties pursuant to this Agreement are governed by the laws of India. For any dispute or difference, you irrevocably and unconditionally submit to the jurisdiction of the Courts in Bengaluru.

28. NO ADVICE GIVEN

    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.

29. DISCLAIMER NOTICE

    THIS WEBSITE AND ITS CONTENTS ARE FOR YOUR NONCOMMERCIAL AND PERSONAL USE ONLY. CANARA BANK 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 CANARA BANK, 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. CANARA BANK 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.

30. Consent to Share Personal and Academic Information with Educational Institution

    I, hereby give my informed consent to share my personal details and academic progress reports with my educational institution, for the sole purpose of monitoring and updating my academic progress in relation to my education loan.

    I understand that the information to be shared may include, but is not limited to:

    1. My personal identification details (e.g., full name, student ID, date of birth)
    2. Contact information
    3. Loan application details
    4. Academic records and performance/progress reports

    5. I Acknowledge and agree that:

       1. The information will be shared only with the authorized representatives of my educational institution.
       2. The purpose of sharing this information is strictly limited to updating and verifying my academic progress in connection with the education loan availed.
       3. The information will not be used for any other purpose or shared with any third party without my further consent, except as required by law.
       4. I have the right to withdraw this consent at any time by providing written notice to understanding that such withdrawal may affect the services provided in relation to my education loan.