Terms & Conditions

By accessing and using the website and services of Aditya Anagha Multi-State Credit Co-operative Society Ltd. ("the Society," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

These terms apply to all users, including members, visitors, and anyone who accesses or uses our website, mobile applications, or any of our services.

Aditya Anagha Multi-State Credit Co-operative Society Ltd. is a registered Multi-State Credit Co-operative Society under the Multi-State Co-operative Societies Act, 2002, and operates under the regulatory framework of the Reserve Bank of India (RBI) and National Bank for Agriculture and Rural Development (NABARD).

Our registered office is located at:

Plot No. 379, Ganesh Nagar, Azamshah Layout,

Nagpur – 440009, Maharashtra, India

Membership in the Society is subject to:

• Meeting eligibility criteria as per the Society's bylaws and regulatory requirements

• Submission of required documents and information

• Payment of membership fees and share capital as applicable

• Approval by the Society's management

• Compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements

The Society reserves the right to accept or reject any membership application at its discretion.

You agree to use our services only for lawful purposes and in accordance with these Terms and Conditions. You agree not to:

• Use the services in any way that violates applicable laws or regulations

• Engage in any fraudulent, deceptive, or illegal activities

• Attempt to gain unauthorized access to our systems or accounts

• Transmit any viruses, malware, or harmful code

• Interfere with or disrupt the operation of our services

• Use automated systems to access our services without authorization

• Impersonate any person or entity or misrepresent your affiliation

We reserve the right to suspend or terminate your access to services for violation of these terms.

You are responsible for:

• Maintaining the confidentiality of your account credentials

• All activities that occur under your account

• Providing accurate, current, and complete information

• Promptly updating your information when it changes

• Notifying us immediately of any unauthorized access or security breach

• Complying with all terms and conditions applicable to your accounts and services

The Society is not liable for any loss or damage arising from unauthorized use of your account due to your failure to maintain security.

All financial products and services offered by the Society are subject to:

• Terms and conditions specific to each product or service

• Regulatory guidelines and applicable laws

• Approval processes and eligibility criteria

• Interest rates, fees, and charges as disclosed at the time of application

• The Society's policies and procedures

Product terms may be modified from time to time, and you will be notified of material changes as required by law.

Interest rates, fees, and charges are:

• Subject to change as per the Society's policies and regulatory guidelines

• Disclosed at the time of product application or account opening

• Published on our website and branch offices

• Applicable as per the terms agreed upon at the time of transaction

You are advised to review all applicable rates, fees, and charges before availing any service.

All content on our website, including but not limited to:

• Text, graphics, logos, images, and software

• Trademarks, service marks, and brand names

• Website design and layout

• Documentation and materials

is the property of Aditya Anagha Multi-State Credit Co-operative Society Ltd. or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

To the maximum extent permitted by law:

• The Society shall not be liable for any indirect, incidental, special, or consequential damages

• Our total liability shall not exceed the amount of fees paid by you for the specific service in question

• We are not responsible for any loss or damage arising from:

- Technical failures, system errors, or internet connectivity issues

- Unauthorized access or use of your account

- Third-party actions or services

- Force majeure events beyond our control

This limitation applies regardless of the legal theory on which the claim is based.

You agree to indemnify, defend, and hold harmless Aditya Anagha Multi-State Credit Co-operative Society Ltd., its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use of our services

• Your violation of these Terms and Conditions

• Your violation of any law or regulation

• Your infringement of any third-party rights

• Any content or information you submit or transmit through our services

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of information as described in our Privacy Policy.

Any disputes arising from or relating to these Terms and Conditions or our services shall be resolved through:

• Good faith negotiation between the parties

• Mediation through a mutually agreed mediator

• Arbitration in accordance with the Arbitration and Conciliation Act, 2015

• Jurisdiction of courts in Nagpur, Maharashtra, India

The Society is also subject to the grievance redressal mechanism as per regulatory guidelines.

The Society operates under the regulatory framework of:

• Reserve Bank of India (RBI)

• National Bank for Agriculture and Rural Development (NABARD)

• Multi-State Co-operative Societies Act, 2002

• Applicable banking and financial services regulations

All services are provided in compliance with applicable laws, rules, and regulations.

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Material changes will be notified to you through:

• Email (if you have provided your email address)

• Notice on our website

• Branch notices or other communication channels

Your continued use of our services after such modifications constitutes acceptance of the updated terms.

We may terminate or suspend your access to our services immediately, without prior notice, if you:

• Violate these Terms and Conditions

• Engage in fraudulent or illegal activities

• Fail to comply with regulatory requirements

• Breach any agreement with the Society

Upon termination, your right to use our services will cease immediately, and you must settle all outstanding obligations.

For any questions, concerns, or requests regarding these Terms and Conditions, please contact us:

Aditya Anagha Multi-State Credit Co-operative Society Ltd.

Plot No. 379, Ganesh Nagar, Azamshah Layout,

Nagpur – 440009, Maharashtra, India

Phone: 0712-2743550

Email: info@adityaanagha.com

We will respond to your inquiries within a reasonable timeframe.