PLEASE NOTE - By using this Web site, you are agreeing to the following Terms of Use. If you are unwilling to accept these terms and adhere to these conditions, you should not use this site.

You agree not to use the services at this site or information gained from this site for illegal purposes or for the transmission of material that is unlawful, harassing, libelous, invasive of another's privacy, abusive, threatening, harmful, vulgar, obscene, tortious, improper or otherwise objectionable, or that infringes or may infringe the intellectual property or other rights of another.

You agree not to use services at this site or information gained from this site for commercial purposes or for the transmission of junk mail, spam, chain letters or unsolicited mass distribution of e-mail.

SKS Microfinance assumes no responsibility for the accuracy, timeliness, completeness or usefulness of information in any material available on or accessed through this Web site, and SKS does not endorse any opinions or recommendations posted. You are advised that you should exercise discretion before relying on information from such sources, because that information may be incorrect and/or misleading. You are further advised that this Web site may include technical inaccuracies and/or typographical errors. Also, you understand that changes, including corrections, may be made periodically to the information or materials provided at or through this site.

SKS does not screen, review or edit third party material posted on this Web site, nor is SKS obligated to do so. SKS has no liability related to the content of any such material, whether or not arising under the laws of copyright, libel, privacy, obscenity, or otherwise. Nonetheless, SKS reserves the right to monitor or remove any information transmitted or received through this Web site, or to terminate your use of this site, at any time, without notice, in SKS sole discretion.

� Copyright SKS Microfinance - 2006. This Web site and the information accessible or available through it are subject to the copyright and intellectual property rights of SKS Microfinance, and other parties providing content for this site. Any content that is accessible or that you receive through this Web site may be used for your personal, non-commercial use only. You agree not to reproduce, retransmit, repost, recompile, reverse engineer, disassemble, reformat, distribute, sell, rent, lease, loan, sublicense, publish, broadcast, create derivative works from, perform, or in any way commercially exploit any of said content through any media or in any format or version, or infringe upon trademarks or service marks displayed or received through this Web site, including, but not limited to, the distribution of the content to others in your company, firm or organization, without express prior written consent of SKS Microfinance, and or the owner of the specific information at issue. All rights to such information and materials not expressly waived herein are reserved. Parties that provide content for publication on or sale through this site are third-party beneficiaries to this provision.

The SKS Microfinance names, logos and any other SKS marks that are indicated as being trademarks or service marks are the exclusive property of SKS Microfinance and any use of these names, logos or marks without the express prior written permission of SKS Microfinance is strictly prohibited. All other product names, logos or marks mentioned or displayed at this Web site are the property of their respective owners.

Providing Links To This Site

You are welcome to provide links to this Web site from locations outside the site provided that: (i) you link only to the home page ";" (ii) you do not remove or obscure, by framing or otherwise, the Privacy Policy, advertisements, copyright notices, or other notices on the site; (iii) you give SKS Microfinance notice of such link by sending an e-mail message to [email protected] and (iv) you immediately discontinue providing links to this site if requested to do so by SKS.

Disclaimer Of Warranties And Liability

This Web site and its resources are provided by SKS Microfinance �as is" and "as available," without warranty of any kind. SKS expressly disclaims any and all warranties of any kind, whether express or implied, including, but not limited to:

a) Any warranties as to the availability, accuracy, completeness, reliability or current status or value of the content or services
    available at or through this Web site;

b) Any warranties that the content or services will be uninterrupted, timely, secure, or error free, or that defects in software
    supporting this Web site will be corrected; and

c) Any warranties of merchantability, fitness for a particular purpose or non-infringement of intellectual property.

You acknowledge and agree that any information, advice, material and/or data downloaded or otherwise obtained through your use of this Web site is done at your own discretion and risk, and that you will be solely responsible for any damages to your computer system or loss of data that may result from your use of such information and/or the download of such material and/or data.

No advice or information, whether oral or written, obtained by you from SKS through this Web site or the services provided shall create any warranty not expressly made herein.

This Web site may include links to other resources and Internet Web sites, solely as a convenience to you. If you use these links, you will leave this Site. SKS has not reviewed all of these third party resources and does not control and is not responsible for any of these sites or their content. Accordingly, SKS is not responsible for the availability of these outside resources, or their contents, nor does SKS endorse nor is it responsible for any of the contents, advertising, products or materials on such other sites. If you choose to use such sites, you do so at your own risk. Under no circumstances shall SKS be held responsible or liable, directly or indirectly, for any loss or damages caused or alleged to have been caused by use of or reliance on any content, goods or services available on any such sites. Any concerns regarding such external links should be directed to their respective site administrators or webmasters.

SKS Microfinance its officers, directors, owners, agents and employees, and other third parties mentioned at this Web site, shall not be liable to you or anyone else for any loss or injury resulting from use of this site or the services provided herein (including, without limitation, those resulting from lost profits, lost data or business interruption), whether caused in whole or in part by the company's negligence or contingencies beyond its control. In no event will SKS, its officers, directors, owners, agents and employees be liable to you or anyone else for any decision made or action taken by you in reliance on such content. Also, SKS, its officers, directors, owners, agents and employees, shall not be liable to you or anyone else for any direct, consequential, special, incidental, indirect, or similar damages, even if advised of the possibility of such damages, resulting from the use or the inability to use this Web site or the services provided herein. Moreover, you specifically acknowledge and agree that SKS shall not be liable to you, your employer or your business for any defamatory, offensive, negligent, fraudulent, or illegal conduct of any user of this site.

You further agree that the liability of SKS, if any, arising out of any kind of legal claim (whether in contract, tort or otherwise) in any way connected with the operation of this Web site, the services provided herein or the content available at or through this Web site shall not exceed the amount you paid to SKS or any provider of content for the use thereof.

SKS acknowledges that some jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above warranty exclusions may not apply to you.

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