Terms & Conditions

We Value Your Privacy

At IRL Microfinance Bank Limited. (Hereinafter called ?IRL Microfinance Bank?), we treat your personal information as private and confidential. We are dedicated to protecting your privacy and providing you with the highest level of security at any point of interaction with us. This Privacy Policy describes what personal information we collect, what we do with it and how we protect it.

This policy (together with our Terms and Conditions) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By continuing to visit our website (www.irlmicrofinancebank.com) and other IRL Microfinance Bank customer touch points, you accept and consent to the practices described in this policy.

IRL Microfinance Bank Limited Website Access Agreement

Please read this Agreement carefully before accessing the IRL Microfinance Bank Limited Website. As a condition to and in consideration of receiving and accessing the IRL Microfinance Bank Limited Website, the User agrees to be bound by the terms of this Agreement. Use of or access to the IRL Microfinance Bank Limited Website shall constitute acceptance of and agreement to be bound by this Agreement.

If you do not wish to be bound by this agreement, do not access The IRL Microfinance Bank Limited Website. If you have any questions about this Agreement, please contact us via e-mail at info@IRL Microfinance Bank .com.

THIS AGREEMENT "Agreement" is entered into by and between IRL Microfinance Bank Limited and any individual, corporation, association, agency, company, or other entity that accesses or uses the IRL Microfinance Bank Limited Website (the "User" or "you").

The IRL Microfinance Bank Limited Website, which is provided without charge to you, is a World Wide Web site on the Internet that is designed to allow IRL Microfinance Bank Limited to communicate with users and for you to interact with those users. The IRL Microfinance Bank Limited Website is owned and operated by IRL Microfinance Bank Limited. The IRL Microfinance Bank Limited Website contains or may contain information, communications, opinions, text, graphics, links, electronic art, animations, audio, video, software, photos, music, sounds and other material and data (collectively, "Content") formatted, organized and collected in a variety of forms that are generally accessible to Users, including directories and databases, and areas of the IRL Microfinance Bank Limited Website that can be modified by Users, such as posting classifieds, uploading multimedia files, registering user profiles, and creating auto-notify, personalized pages, and personalized project areas

You are responsible for providing all hardware, software, telephone or other communications equipment and/or service to connect to the Internet and access the IRL Microfinance Bank Limited Website and are responsible for all Internet access charges, telephone charges or other fees or charges incurred in connecting to the Internet and accessing the IRL Microfinance Bank Limited Website.

You agree to access and use the IRL Microfinance Bank Limited Website only for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, statutes, rules and regulations, pertaining to (i) your use of the IRL Microfinance Bank Limited Website, including any Interactive Area, (ii) the use of any networks or other services connected to the IRL Microfinance Bank Limited Website, and (iii) the communications means by which you connect your modem, computer, or other equipment to the IRL Microfinance Bank Limited Website. By accessing the IRL Microfinance Bank Limited Website, you agree that you will not:

Restrict or inhibit any other user from using and enjoying the Interactive Features;

Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind, including without limitation to any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, national, or international law;

Post or transmit any information, software, or other material which violates or infringes in the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.

Post or transmit any information, software or other material which contains a virus or other harmful component;

Alter, damage or delete any Content or other communications that are not your own Content or to otherwise interfere with the ability of others to access the IRL Microfinance Bank Limited Website;

Disrupt the normal flow of communication in an Interactive Area;

Claim a relationship with or to speak for any business, association, institution or other organization for which you are not authorized to claim such a relationship;

Violate any operating rule, policy or guideline of your Internet access provider or online service.

a) You acknowledge that Content on the IRL Microfinance Bank Limited Website is generally provided by IRL Microfinance Bank Limited, individual contributors of Content ("Contributors"), third party licensees, and/or other Users. You acknowledge that the IRL Microfinance Bank Limited Website permits access to Content that is protected by copyrights, trademarks, and other proprietary (including intellectual property) rights ("Intellectual Property Rights"), and that these Intellectual Property Rights are valid and protected in all media existing now or later developed and except as is explicitly provided below, your use of Content shall be governed by applicable copyright and other intellectual property laws.

b) You may not modify, copy, reproduce, transmit, distribute, publish, create derivative works from, display or otherwise transfer or commercially exploit any of the Content, in whole or in part, provided, however, that you may (i) make a reasonable number of digital or other form of copies to permit your computer hardware and software to access and view the Content, (ii) print one copy of each piece of Content, (iii) make and distribute a reasonable number of copies of Content, in whole or in part, in hard copy or electronic form for internal use only. Any permitted copies of Content must reproduce in an unmodified form any notices contained in the Content, such as all Intellectual Property Right notices, and an original source attribution to "The IRL Microfinance Bank Limited Website" and its URL address. You acknowledge that the IRL Microfinance Bank Limited Website, its Contributors, and/or Users remain the owners of the Content and that you do not acquire any Intellectual Property Rights by downloading or printing Content.

You may upload to any Interactive Area or otherwise transmit, post, publish, reproduce or distribute, on or through the IRL Microfinance Bank Limited Website only Content that is not subject to any Intellectual Property Rights, or Content in which any holder of Intellectual Property Rights has given express authorization for distribution over the Internet and on the IRL Microfinance Bank Limited Website, without restriction whatsoever. Any Content submitted with the consent of a copyright owner other than you should contain a phrase such as "Copyright owned by [name of owner]; Used by Permission." By submitting Content to any Interactive Area, you automatically grant and/or warrant that the owner of such Content, whether it be You or a third party, has expressly granted to IRL Microfinance Bank Limited the royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, sublicense, distribute, perform, and display such Content, in whole or in part, worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any Intellectual Property Rights that may exist in such Content. You also permit IRL Microfinance Bank Limited to sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to such Content. You also permit any User to access, view, store and reproduce the Content for personal use

You acknowledge that the IRL Microfinance Bank Limited Website may include various interactive areas ("Interactive Areas"), including but not limited to classifieds. These Interactive Areas allow feedback to the IRL Microfinance Bank Limited Website and real-time interaction between users. You further understand that IRL Microfinance Bank Limited does not control the messages, information, or files delivered to such Interactive Areas and that the IRL Microfinance Bank Limited Website may offer you and other Users the capability of creating and managing an Interactive Area. However, neither IRL Microfinance Bank Limited, its subsidiary and parent companies, or affiliates, nor their respective directors, officers, employees and agents are responsible for Content within any Interactive Area. Your use and/or management of an Interactive Area will be governed by this Agreement and any additional rules or operating procedures of any Interactive Area established by you or another User, as applicable. You recognize that IRL Microfinance Bank Limited cannot, and does not intend to, screen communications in advance. Moreover, because the IRL Microfinance Bank Limited Website encourages open and candid communication in the Interactive Areas, IRL Microfinance Bank Limited cannot determine in advance the accuracy or conformance to this Agreement of any Content transmitted in an Interactive Area. The IRL Microfinance Bank Limited Website is not responsible for screening, policing, editing, reviewing or monitoring any Content in an Interactive Area. Notwithstanding the above, you agree that IRL Microfinance Bank Limited has the right to monitor any Interactive Area, from time to time and to disclose any information as necessary to satisfy any law, regulation or other governmental request, to operate the Interactive Area, or to protect itself or other Users. If notified of Content that is alleged not to conform to this Agreement, IRL Microfinance Bank Limited may investigate the allegation and determine in its sole discretion whether to remove or request the User to remove such Content. IRL Microfinance Bank Limited reserves the right to prohibit conduct, communication or Content within an Interactive Area, or to edit, refuse to post, or to remove any Content, in whole or in part, which it deems in its sole discretion to (i) violate the then-standard provisions of this Agreement or any other standard, written in IRL Microfinance Bank Limited Website policy in effect at that time, (ii) be harmful to the rights of any User, IRL Microfinance Bank Limited, or other third parties, (iii) violate applicable law, or (iv) be otherwise objectionable.

The only right with respect to dissatisfaction with any policies, guidelines, or practices of IRL Microfinance Bank Limited in operating the IRL Microfinance Bank Limited Website, or any change in Content, is for you to discontinue accessing the IRL Microfinance Bank Limited Website. IRL Microfinance Bank Limited may terminate or temporarily suspend your access to all or any part of the IRL Microfinance Bank Limited Website, without notice, for conduct that IRL Microfinance Bank Limited believes is a violation of this Agreement or any policies or guidelines posted by IRL Microfinance Bank Limited, or for other conduct which IRL Microfinance Bank Limited believes, in its sole discretion, is harmful to IRL Microfinance Bank Limited or other Users. IRL Microfinance Bank Limited may discontinue operating the IRL Microfinance Bank Limited Website and terminate this Agreement without notice at any time for any reason in its sole discretion. In the event of termination, you are no longer authorized to access the IRL Microfinance Bank Limited Website, including the Interactive Areas, and the restrictions imposed on you with respect to Content downloaded from the IRL Microfinance Bank Limited Website, as well as the disclaimers and limitations of liabilities set forth in this agreement, shall survive.

You understand that except for Content, products or services expressly available at the IRL Microfinance Bank Limited Website, neither IRL Microfinance Bank Limited, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents controls, provides, or is responsible for any Content, goods or services available through sites on the Internet linked to or from the IRL Microfinance Bank Limited Website. All such Content, goods and services are made accessible on the Internet by independent third parties and are not part of the IRL Microfinance Bank Limited Website or controlled by IRL Microfinance Bank Limited. IRL Microfinance Bank Limited neither endorses nor is responsible for the accuracy, completeness, usefulness, quality or availability of any Content, goods or services available on any site linked to or from the IRL Microfinance Bank Limited Website, which are the sole responsibility of such independent third parties, and your use thereof is solely at your own risk. Neither IRL Microfinance Bank Limited, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents shall be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused by your use of or reliance on any Content, goods or services available on any site linked to or from the IRL Microfinance Bank Limited Website or your inability to access the Internet or any site linked to or from the IRL Microfinance Bank Limited Website.

You agree to indemnify and hold IRL Microfinance Bank Limited, its parent or subsidiary companies and their affiliates, and their respective directors, officers, employees, and agents from any and all liabilities, claims and expenses, including reasonable attorney?s fees, arising from breach of this Agreement, any other policy, your use or access of the IRL Microfinance Bank Limited Website or any Internet site linked to or from the IRL Microfinance Bank Limited Website, or in connection with the transmission of any Content on the IRL Microfinance Bank Limited Website.

This Agreement comprises the entire agreement between IRL Microfinance Bank Limited and you, and supersedes any prior agreements with respect to the subject matter herein. IRL Microfinance Bank Limited may revise this Agreement or any other policy at any time and from time to time, and such revision shall be effective two (2) days upon posting notice of such revision prominently on the IRL Microfinance Bank Limited Website. You agree to review this Agreement periodically to be aware of such revisions. If any such revision is unacceptable to you, you must discontinue accessing the IRL Microfinance Bank Limited Website.

Your continued accessing and use of the IRL Microfinance Bank Limited Website following notice of any such revision shall conclusively be deemed acceptance of all such revisions. If any provision of this Agreement or any other policy be held invalid or unenforceable, that portion shall be construed in accordance with applicable law as nearly as possible to reflect the original intention of the parties and the remaining portions will continue in full force and effect. The failure of IRL Microfinance Bank Limited to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. This Agreement shall be governed by the laws of the state or province of domicile of IRL Microfinance Bank Limited, excluding its conflict of laws rules, and you and the IRL Microfinance Bank Limited Website each submit to the exclusive jurisdiction of the courts of that state or province.

This Agreement is personal to you and you may not assign your rights or obligations thereunder to anyone. All logos, brand names, products, trademarks and service marks appearing herein may be the trademarks or service marks of their respective owners. References to any trademark, service mark and links to or from the IRL Microfinance Bank Limited Website have been done strictly for clarification and identification and does not constitute endorsement by IRL Microfinance Bank Limited of the products, services or information offered by the owner of such trademark, service mark or link or endorsement of IRL Microfinance Bank Limited by such trademark, service mark or link owner.