Terms & Conditions
Last Updated October 15, 2021
The Services made available on or through this Platform have been made available to You for the specific purpose of Your financial services aggregation. It is not intended to provide You with any nature of certification, guarantee or warranty. By accessing, browsing and using this Platform, You agree and acknowledge that You understand this limited and restricted use, and agree that You will not rely on the information and materials contained in this Platform for any purposes except as is intended. You further agree that in all actual matters, You are ultimately responsible for determining Your specific requirements.
You are strictly prohibited from unauthorized use of our systems or this Platform, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted to this Platform.
You acknowledge that we may disclose and transfer any information that You provide through this Platform if we are legally bound to disclose any information due to compulsions under law.
You expressly agree and acknowledge that usage of this Platform may be monitored, tracked, and recorded. As such, You expressly consent to such monitoring, tracking and recording.
2. DESCRIPTION OF SERVICE
The Platform provides financial services aggregation and disbursement routing services to You. We provide online self-services that allow You to view and manage accounts provided by financial institutions and other services including payment initiations, reconciliations, disbursements, information provided in the Platform, customer service, supported data, and other services or features provided in the Platform (" Service").
However, this Service is not and should not be construed or does not imply provision of any professional service or advice relating to the legal, financial or tax implications or any other financial matters. This Service is designed to help You easily view your accounts, initiate and arrange payments, and reconcile transactions. Any professional advice or implication should be sought from Your personal advisors, and the Company or Platform shall not be held liable or responsible for the same.
Please note owing to constant business changes, the Company endeavors to change the Services it provides or upgrade or revise them. This is done to provide better and more efficient Service to You. Any such changes, upgradation or revision shall be done at such times and at such frequency as determined by the Company in its sole discretion. All such changes shall be updated on this Platform for which You are responsible for being familiar with.
3. INFORMATION REQUIRED FROM YOU
Upon Your acceptance to be a Registered User and avail services from our Platform, we would request certain basic information for registration. Once You provide us with the details, we would request additional information in order to provide You with the services. All information provided by You will be treated as private and confidential. The same is more fully detailed under section 13 below regarding Security and Privacy.
Personal data relating to credentials, including but not limited to username, passwords, and PINs stored on the Company’s servers or third party provider’s servers contracted by the Company will only be processed based on Your consent. The Company will request for your consent whenever we use them beyond the stated purposes. We uphold confidentiality and privacy of Your data.
4. LINKS TO THIRD PARTY SITES
As part of availing the Service, You as a Registered User will provide us with Your personal information either to retrieve or collect data or information from third party websites. Such third party websites may be maintained by such financial institutions with whom You have an account, bank with or have created certain liabilities. The Platform does not and cannot assume any responsibility or accuracy for such information or data maintained by such third parties either in terms of accuracy, deletion, non-delivery or failure to store data, communications, etc.
The Platform may provide, or third parties may provide, or the Platform may contain links to other World Wide Web sites or resources. The responsibility for the operation and content of those websites shall rest solely with the organization identified as controlling the third party website and will be governed by their separate terms and conditions. Links may be provided for convenience and inclusion of any link does not imply endorsement by the Company in any way of the site to which it links.
Because the Company has no control over such sites and resources, You acknowledge and agree that the Company 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 the Company 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.
5. REGISTRATION AND USE
The Company will send all correspondences, notices, and any other communication to the e-mail address furnished by You. In case of any change in the said email address, it is Your duty to update or change the same.
The Company shall maintain utmost secrecy and use all the security measures to ensure that the information is not misused by any third party. In the event of You becoming aware of any unauthorized or misuse of the information provided by You to the Company, You are requested to forthwith contact the Company at email@example.com. The Company cannot and will not be liable for any loss or damage arising from Your failure to comply on this aspect.
6. LEGAL USES
Further, You agree and understand that Your right to access and use the Services offered on this Platform is personal to You and is not transferable by You to any other person or entity, except to the extent specifically provided below in section 8.
You understand that You are authorized to access and use the Services only for legal and lawful purposes.
You further undertake and state that by using the Service, You are in no way impersonating or misrepresenting any person or entity. All Service availed are for Yourself only. In the event You are representing individual/s, company/ies, third parties, or any entities, You undertake and state that You are authorized to represent such individual/s, company/ies, third parties or any entities. You shall be solely responsible for the consequences arising out of such acts and the Company shall not be held responsible or liable in any way to any person or entity.
Any changes in Your registration information must be duly updated by You.
You further agree that irrespective of whether You use our service, and if You propose to use for commercial purposes, You shall forthwith contact the Company at firstname.lastname@example.org for the pricing structure for commercial usage. Any violation of this clause or unauthorized usage of the solutions will be deemed as a material breach and the Company reserves the right to forthwith terminate your access and use of the Services.
The Company shall provide support to You with regard to the software application and the Services. All support services shall be provided through email only, wherein You will send an email to the Company detailing the issue to email@example.com.
8. STORAGE, DELETION OR TRANSPORT OF DATA
The Company states that the data provided by You shall belong solely and exclusively to You. As such, You are permitted to remove or delete the data so provided, either in full or any portion, at any point in time as You desire. The Company requests You to notify the Company of such removal or deletion.
In the event You desire the Company to remove or delete all or any portion of the data belonging to You, then, the same needs to be done in writing to the Company. Upon receipt of such a written request, the Company will promptly do as needful and notify You of the same. The Company will not retain any copies of such data on its server or in any other place.
In this regard, the Company warrants that it cannot access such deleted material at any point in time. Any contact, information or access that the Company had towards such data or material or accounts will cease forthwith. However, certain portions of Your data, which the Company had maintained on its servers, may remain either in backups or in transaction logs. These are maintained only for the specific purpose of backup or to provide the Service to You in the event of any malfunction or damage to our server to ensure continuity of our Service.
The Company may send You communication, notices or alerts from time to time. These alerts and communication will be sent automatically by the Company to You. In case You have suppressed the receipt or disabled or marked alerts or communication in general to be junked, the Company recommends You to revise the same and activate the receipt of alerts to Your proper destination. Any communication from our end will be related to the Services and not any marketing or spam mails.
Changes to Your email address will apply to all of Your alerts.
Any email which is sent by the Platform, its contents and attachments, if any, are intended solely for the attention of the addressee/s and may also be privileged. If You are not the addressee, You may not copy, forward, disclose any part of any message received or its attachments and if You receive a message in error, please delete the said message from Your system and notify us immediately.
You agree and acknowledge that internet communications cannot be guaranteed to be secure or error free. Any information sent via the internet could be intercepted, corrupted, lost or contain viruses. The Company therefore does not accept responsibility for any errors or omissions in messages received by You which may arise as a result of internet transmission.
10. RIGHTS GRANTED BY YOU
As the provision of the Service includes You providing us with information, data, credential, authorization codes and other materials and contents, suggestions, ideas, feedback, etc., You are hereby expressly granting us the license and right to utilize the same for and on Your behalf in order to provide the Service.
The Company may or will use such information with the sole purpose for providing You the required Service and not for any other purpose. As such, You also warrant and represent that You are duly authorized to submit or represent the third party on behalf of whom You are providing these information to the Company. Further, You acknowledge and agree that these materials, suggestions, feedback and information can be utilized without any obligation or restriction on the Company in terms of payment of fee or any other limitations for marketing, promoting, advertising or other purposes.
By using the Service, You expressly authorize the Company to access Your accounts maintained by identified third parties on Your behalf. When You use the specified feature of another additional account of the Service, You will be directly connected to the website or application of the third party You have identified. The Company will submit information including usernames and passwords that You provide to access the Platform. You hereby authorize and permit the Company to use information submitted by You for the Service (such as account passwords and usernames) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which You submit Your information.
The Company also collates information about the use of the Services by You including the banks or financial institutions with whom You transact and use the same for statistical or other forms representation and at all times ensuring that there will be no personal data revelation.
11. INTELLECTUAL PROPERTY
You acknowledge and agree that this Platform and any necessary software used in connection with the Platform contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that any content or software on this Platform, including its "look and feel" (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material is protected by national and international laws relating to copyrights, trademarks, service marks, patents or other proprietary rights. Except as expressly authorized by the Company, You agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on this Platform, the Services offered thereto or any software thereto, in whole or in part.
You acknowledge that the entire Platform and its contents including the software is owned by or duly licensed to the Company and are protected by the intellectual property laws in the country where Brankas operates and under international treaty provisions. All trademarks, service marks, and logos used and displayed on this Platform are registered to and/or owned by their respective owners. Nothing on this Platform should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the trademarks, service marks and logos displayed on the Platform, without the prior written consent and permission of the Company or the respective owners.
You may download or print a copy of information provided on this Platform for Your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from this Platform in whole or in part for any other purpose is expressly and explicitly prohibited without our prior written consent.
12. PROHIBITED ACTIVITIES
You agree NOT to do to the following:
upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
impersonate any person or entity, including, but not limited to, officials, directors, employees, agents, authorized representatives, forum leaders, guides or hosts, or falsely state or otherwise misrepresent any information or accounts;
forge headers or otherwise manipulate identifiers in order to disguise the origin of any content or material transmitted or provided through the Platform;
collect or store personal data about other users;
interfere with or disrupt the Platform or servers or networks connected to the Platform, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;
intentionally or unintentionally violate any applicable local, state, national or international law;
upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in those specific areas that may be designated for such purpose of posting such mails or messages either by the Platform or the Company;
use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor this Platform, either in whole or part;
use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Platform, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);
attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of this Platform or the Service;
post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion; and
interfere with other users' use of the Service, including, without limitation, disrupting the normal flow of dialogue in an interactive area of this Platform, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Service infrastructure or that negatively affects the availability of the Service to others.
13. SECURITY AND PRIVACY
14. SECURITY OF INFORMATION
We work to protect the security of Your information during transmission by using Secure Sockets Layer/Transport Layer Security (SSL/TLS) software, which encrypts information You input and we encrypt data at rest under the 256-bit Advanced Encryption Standard. We constantly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges. We do not and will not sell or rent Your personal information to anyone, for any reason, at any time, unless it is in (i) in response to a valid legal request by a law enforcement officer or government agency; (ii) when You have explicitly given Your consent; or (iii) utilize the same for some statistical or other representation without disclosing personal data.
We only reveal those numbers of Your account as required to enable us to access and provide You the required Services relating to Your accounts.
We make every effort to allow You to retain the anonymity of Your personal identity and You are free to choose a login ID email address and password that keeps Your personal identity anonymous. Access to Your registration information and Your personal financial data is strictly restricted to those of our Company employees and contractors, strictly on a need to know basis, in order to operate, develop or improve the Service. These employees or contractors may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.
It is important for You to protect against unauthorized access to Your password and to Your computer. Be sure to sign off when finished, especially when using a shared computer.
The content and all Service associated with this Platform or provided through the Service are provided to You on an "as-is" and "as available" basis. The Company makes no representations or warranties of any kind, express or implied, as to the content or operation of this Platform or of the Service. You expressly agree that Your use of the Service is at Your sole risk.
The Company makes no representations, warranties or guarantees, express or implied, regarding (i) the accuracy, reliability or completeness of the content on this Platform; or (ii) of the Service. The Company expressly disclaims any warranties of non-infringement or fitness for a particular purpose. The Company engages and employs the best methods to safeguard and protect against viruses, infection, etc. However, despite such best efforts, the Company makes no representation, warranty or guarantee that the content that may be available through the Service is free of infection from any viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitiously intercept or expropriate any system, data or personal information.
16. LIMITATION OF LIABILITY
All of the information provided by the Company is for informational purposes only and that the Company will not be liable for its availability, accuracy, and usefulness. Thus, the Company shall in no event be responsible or liable to You or to any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any indirect, special, incidental, consequential, exemplary, liquidated or punitive damages, including but not limited to loss of profit, revenue or business, business interruption, loss of programs or information, loss of savings, or any other damages arising, in any way, shape or form, out of the availability, use, reliance on, or inability to utilize the Service arising in whole or in part from Your access to this Platform or Your use of the Service, even if the Company has been advised of the possibility of such damages.
17. APPLICABLE LAW