Terms of Service

By accessing and using SarkariDNA ("Website", "we", "us", or "our") at zerobalbank-laezevjt.manus.space, you accept and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy.

If you do not agree to these Terms, please do not use our website. We reserve the right to modify these Terms at any time. Continued use of the website after changes constitutes acceptance of the new Terms.

These Terms apply to all visitors, users, and others who access or use the website.

SarkariDNA provides the following services:

• Financial product comparison (credit cards, loans, insurance, investments)
• Information about government schemes and yojanas
• Guidance on important documents (Aadhaar, PAN, Passport, etc.)
• Free online tools (PDF converter, image resizer, etc.)
• Educational articles and financial guides
• Financial calculators

All information provided is for educational and informational purposes only and does not constitute financial, legal, or professional advice.

The content on SarkariDNA — including but not limited to text, graphics, logos, images, articles, and software — is the property of SarkariDNA and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the website for personal, non-commercial purposes. You may not:

• Copy, reproduce, or distribute our content without written permission
• Modify or create derivative works from our content
• Use our content for commercial purposes
• Remove any copyright or proprietary notices
• Scrape or systematically download content from our website

By using our website, you agree NOT to:

• Use the website for any unlawful purpose or in violation of any regulations
• Post or transmit any harmful, offensive, or inappropriate content
• Attempt to gain unauthorized access to any part of the website
• Interfere with or disrupt the website's servers or networks
• Use automated tools to access the website without permission
• Impersonate any person or entity
• Collect or harvest personal information of other users
• Transmit any viruses, malware, or other harmful code

The financial information, product comparisons, and content on SarkariDNA are provided for general informational purposes only. This information:

• Does NOT constitute financial advice, investment advice, or professional consultation
• Should NOT be relied upon as the sole basis for any financial decision
• May not be accurate, complete, or up-to-date at all times
• Does not account for your individual financial situation, goals, or risk tolerance

Always consult with a qualified financial advisor before making any financial decisions. Interest rates, fees, and product features change frequently — always verify with the respective bank or financial institution before applying.

SarkariDNA participates in affiliate marketing programs. When you click on certain links ("Apply Now", "Check Eligibility", etc.) and complete an application or purchase, we may receive a commission from the financial institution or advertiser.

Important disclosures:

• Affiliate commissions do NOT affect the price you pay — it comes at no extra cost to you
• Our editorial content and product rankings are NOT influenced by affiliate relationships
• We display Google AdSense advertisements on our website
• Sponsored content, if any, will be clearly labeled as "Sponsored" or "Advertisement"
• We only recommend products we believe provide genuine value to our readers

Our website contains links to third-party websites, including bank websites, government portals, and financial institutions. These links are provided for your convenience only.

SarkariDNA has no control over the content, privacy policies, or practices of third-party websites and accepts no responsibility for them. We encourage you to review the terms and privacy policy of any third-party site you visit.

Linking to a third-party website does not imply endorsement, sponsorship, or recommendation of that site or its content.

We strive to provide accurate and up-to-date information on our website. However, we make no warranties or representations about the accuracy, completeness, or reliability of any information on the website.

Financial product information such as interest rates, fees, and eligibility criteria:

• May change without notice
• May vary based on individual circumstances
• Should always be verified directly with the bank or financial institution

Government scheme information may change based on policy updates. Always refer to official government websites for the most current information.

To the maximum extent permitted by applicable law, SarkariDNA and its owners, employees, and affiliates shall NOT be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your reliance on information provided on the website
• Damages arising from unauthorized access to or alteration of your transmissions
• Any financial losses resulting from decisions made based on our content

This limitation applies regardless of whether the damages are based on warranty, contract, tort, or any other legal theory.

Your use of SarkariDNA is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

If you create an account on our website, you are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Providing accurate and complete registration information

We reserve the right to terminate accounts that violate these Terms or engage in fraudulent or harmful activities.

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these Terms or your use of the website shall be subject to the exclusive jurisdiction of the courts located in India.

These Terms comply with applicable Indian laws including the Information Technology Act, 2000, and the Consumer Protection Act, 2019.

We reserve the right to terminate or suspend your access to the website at our sole discretion, without notice, for conduct that we believe:

• Violates these Terms of Service
• Is harmful to other users, us, or third parties
• Violates any applicable laws or regulations

We reserve the right to modify these Terms at any time. We will notify users of significant changes by updating the "Last Updated" date at the top of this page. Your continued use of the website after changes constitutes your acceptance of the new Terms.

We encourage you to review these Terms periodically to stay informed about your rights and obligations.

If you have any questions about these Terms of Service, please contact us:

• [email protected]
• Contact Form