You agree to indemnify and hold SKS Microfinance its officers, directors, owners, agents and employees, harmless from any claim or demand, including reasonable attorneys fees, made by any third party due to or arising out of your use of this Web site or the services provided herein, your violation of the terms and conditions of this Web site, or the infringement by you, or other person using the Web site under your membership identity, of any intellectual property or other right of any person or entity. SKS reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.


You agree that SKS may, in its sole discretion, terminate or suspend your access to all or part of the SKS Web site for any reason, including, without limitation, your breach of the terms and conditions of this Agreement or any subsequent modifications thereof. Any suspected fraudulent, abusive or illegal activity may be grounds for referral of the matter to appropriate law enforcement authorities for investigation. SKS shall not be liable to you or any third party for any claim or cause of action related to the termination of your use of this Web site.

Should you object to any terms and conditions of this notice, or any subsequent changes thereto, or become dissatisfied with the services offered through the SKS Web site in any way, your only recourse is to immediately discontinue your use of this Web site.

You also agree that your continuing use of the services available through this Web site subsequent to your becoming dissatisfied with this site for any reason constitutes your acceptance of the terms and conditions of this Agreement applicable at such time.

Applicable Law And Venue

SKS administers this Web site from its offices within the Andhra Pradesh, India. This site can be accessed from around the world. Because the laws and regulations of such jurisdictions may differ from those of Andhra Pradesh, India by accessing this site you agree that the statutes and laws of the Andhra Pradesh, without regard to conflicts of laws principles thereof or of any jurisdiction, will apply to all matters and any cause or action arising out of or relating to the terms and conditions of this Agreement and/or your use of the site and its contents. In the case of a dispute between you and SKS, or any provider of content to this site, you agree to submit to, and in any action against SKS to cause SKS solely to submit to, the exclusive personal jurisdiction and venue of the courts located in Andhra Pradesh, India, where SKS resides.

By using this site and accepting this Agreement, you also agree that any cause of action arising out of or related to this Agreement or your use of SKS Web site must be commenced within one (1) year after the cause of action arose; and that your failure to commence an action within this time shall permanently bar any cause of action or claim.

SKS makes no representation that materials or services at this site are appropriate or available for use outside of India. If you choose to access this Site from outside India, you do so on your own initiative and are responsible for compliance with applicable local laws.


The failure of SKs Microfinance to enforce any provision of the Terms of Use shall not constitute or be construed as a waiver of such provision or of the right to enforce it at a later time.

If any provision of the Terms of Use is adjudged to be invalid, void, or unenforceable, SKS and you agree that the remaining provisions hereof will not be affected thereby, that the provision in question may be replaced by the lawful provision that most nearly embodies the intention of the original provision, and that the Terms of Use will in any event remain valid and enforceable.


SKS Microfinance reserves the right, at its sole discretion, to modify, enhance, add, or delete any portion of this Web site, including information, materials and products, at any time.

SKS Microfinance reserves the right, at its sole discretion, to amend this Terms of Use of this Web site at any time. Any amended Terms of Use will be made available online and will be effective immediately upon being posted. You should visit this page from time to time to review the then-current Terms of Use because they are binding on you if you choose to use this site. Your continued use of this site following the posting of any changes to the Terms of Use will signify your agreement to be bound by the terms thereof as amended.


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