Terms & Conditions


Perfect Cybermart Pvt Ltd

Terms of use

This document/agreement is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011, that provides for the due diligence to be exercised by the Site.

Description of Services

In the Site, Banknomics provides users with access to information primarily about Financial Services including, but not restricted, to loans, credit cards, and communication, services (the "Services"). You must provide and are responsible for all equipment necessary to access the Site. By making use of this Site, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected.

License and Site Access

Banknomics grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available


The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Banknomics for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.

Your Account

In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Site to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about the ToU and/or Privacy Policy) that apply to the purchase you have made on their behalf.

Submitted Content

Banknomics does not claim ownership of any materials you make available through the Site. At Banknomics's sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant Banknomics a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials.

Disclaimer of Liability and Warranty

The Content, and Services provided through this Site may include inaccuracies or errors, including pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, and services we expressly reserves the right to correct any pricing errors on the Site and/or on pending reservations made under an incorrect price.

Disclaimer of Online Availability, Impressions, And Click-Throughs

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of Banknomics, its webpages, and any material, information, links, or content presented on the web pages at Banknomics, its web pages, and any material, information, links, or content presented on the web pages at may be unavailable for online access at any time.

License Disclaimer

Except as the License granted per paragraph 2 of this ToU, nothing on any Banknomics Website shall be construed as conferring any license under any of Banknomics or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.

Local Laws

Banknomics controls and operates this Site from its headquarters in India and makes no representation that the materials on the Site are appropriate or available for use in other locations. If you use this Site from other locations, you are responsible for compliance with applicable local laws.

Limitation of Liability

You expressly understand and agree that Banknomics and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, resulting from use of the Site, content or any related services.


You agree to indemnify and hold Banknomics (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this ToU, your violation of any law or the rights of a third party, or your use of the Site.

Electronic Communication

When you use the Site or send emails to Banknomics, you are communicating with Banknomics electronically. You consent to receive communications from Banknomics electronically. Banknomics may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing

Site-Provided Email and Postings

The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. Banknomics is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Banknomics may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings.


The Site or third parties may provide links to other Websites or resources. Because Banknomics has no control over such sites and resources, you acknowledge and agree that Banknomics is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Banknomics shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Access To Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution

Modification and Notification of Changes

Banknomics reserves the right to make changes to the Site, related policies and agreements, this ToU and the Privacy Policy at any time. If Banknomics makes a material modification to this ToU, it may notify you by: (i) displaying a prominent announcement above the text of this ToU or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of a modification to the ToU or the Privacy Policy has been posted for 30 days, the notice will be removed. If you have not used the Site for more than 30 days, you should check the ToU and/or Privacy Policy prior to any further use of the Site.


The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Banknomics and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or Sites on the World Wide Web without the written permission of Banknomics or such third party which may own the Marks.

Survival of Terms After Agreement Ends

Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.


If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the partie's intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. This ToU and the relationship between you and Banknomics will be governed by the laws of the India without regard to its conflict of law provisions.


By registering yourself at Banknomics, you authorize us and our associate partners to contact you via email or phone call or sms and offer you our services for the product you have opted for, imparting product knowledge, offer promotional offers running on Banknomics . Even if you have registered yourself under DND or DNC or NCPR service(s), you still authorize us to call you from Banknomics and its associate partners for the above mentioned purposes till a time period that is 45-day-long from the date you register with us

Privacy & Security Policy of Banknomics explains how we protect personal information provided through our website www.banknomics.com and how we use that information in connection with our service offered through the Site (the "Service"). "Personal information" for purposes of this Policy means information that identifies you, such as your name, address, phone number or email address.

Banknomics respect your privacy, we apply high privacy and security to protect your information. Hence the Bank is committed to the privacy promise for customers under:

Information Sharing and Disclosure

We will not sell or rent your personal information to anyone, for any reason, at any time. Banknomics uses and discloses your personal information only as follows:

  • to analyze usage of the site and to improve the Service;
  • to send you any administrative notices, offer alerts and communications relevant to your use of the Service;
  • to enable you to apply for certain products and services for which you have chosen to apply;
  • for market research, project planning, troubleshooting issues, detecting and protecting against error, fraud or other criminal activity;
  • to third-party contractors that provide services to Banknomics and are bound by these same privacy restrictions;
  • to enforce Banknomics Terms of Use; and
  • as otherwise set forth in this Privacy and Security Policy.

In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your name, mail address, mobile number, date of birth, employment type, residency status, details of loan applied for and loan status may be provided to that co-brand partner when your application is submitted and whenever the status of application is updated. Banknomics has a business relationship with these co-brand partners and you may not opt-out of sharing your information with these co-brand partners if you have applied via a co-branded URL.

Third Party Advertising

We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Website. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this and other Banknomics in order to provide advertisements on this site and other sites about goods and services that may be of interest to you.

We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to Website, and your interaction with our products and services. They may also use information about your visits to this and other Websites for targeted advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. No personally identifiable information is collected or used in this process.


We strictly follow the norms of non-disclosure agreement. It is our endeavour to ensure that the Websites linked to us are safe and secure. However we have no control over 3rd-party Websites. Given our legal responsibilities to legal authorities and regulators, there may be situations when we need to share your information with legal authorities, or processes or need to protect our right or comply by their terms and conditions.

Other Websites

There might be affiliates or other sites linked to Banknomics. Personal information that you provide to those sites are not our property. These affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.

Changes in Privacy Policy

Banknomics reserves the right to change this policy from time to time, at its sole discretion. If we make any changes in the way we use your personal information we will notify you by posting the changes here on these Privacy Policy pages.

Banknomics intend to provide clear information about banking products and services. The information and data in the Website is generic in nature. Our efforts are to offer accurate and responsible data. We are not responsible for any sort of discrepancies.

There is no purpose of violating any copyright or intellectual copyrights issues. All information provided on the portal Banknomicsis subject to the discretion of the same and is likely to change without any notice. Though, any changes in public utility will be communicated immediately in our portal.

We have tried to maintain high standards in quality, clarity, and accuracy of the material posted on the portal. Banknomicsis not legally responsible for the same in any matter whatsoever. Employees, partners, and associated staff of Banknomics are not accountable for any loss, harm, or damage due to usage of information from the portal. Customers are advised to use their own discretion in such matters. It is a mutual understanding that customers association with the portal will be at the customer's preference and risk.

Visitors to this Website/portal and every third party is hereby informed that the owners of this Website/portal are the intermediaries of the banks and financial services companies, whose products are dealt with in this Website/portal. It is made abundantly clear that Perfect Ace Pvt. Ltd., its directors, shareholders, officers and employees and Banknomicsare in no way responsible or liable for any one for his/her investment or credit buy decision(s) (availing any kind of loans or taking credit card through us), and every prospect/loan seeker/ investor/policy-holder shall be solely responsible for the consequences of his/her decision(s).

Banknomics makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any services offered through the site will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the site will meet your expectations