Welcome to HELPBANKERS.COM. We would like to thank YOU for choosing HELPBANKERS as your Banking Partner.

In the following terms, references to “we”, “us” or “our” are references to HELPBANKERS.COM and references to “you” or “your” are references to THE USER whether as a visitor or as a paid subscriber of the website for using different products offered by HELPBANKERS.COM.

General information:

The following terms and conditions constitute the entire agreement between YOU and HELPBANKERS.COM and govern your use of the services, superseding any prior agreements between YOU and HELPBANKERS.COM .YOU also may be subject to additional terms and conditions that may apply when YOU use affiliate services, third party content or third-party software. These Terms and Conditions represent a contract between YOU and HELPBANKERS.COM, they (and any dispute or claim arising in connection with them or their subject matter or formation) shall be governed by and interpreted in accordance with the law of India.Any term or terms which may be deemed unenforceable or unlawful and fall to be struck out, or otherwise disregarded by a court shall be done so without prejudice to the rest of the agreement. Any failure by HELPBANKERS.COM to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. References to the words “include” and “including” shall be interpreted as without limitation, irrespective of whether certain instances of those words expressly state “without limitation” and other instances do not.

Using the Website (User conduct) :

By accessing and/or using this website and the online content and courses (by whatever means or device and whether as a Visitor or a User), you confirm that you have read, agree and are in compliance with the terms and conditions, the Privacy Policy, and all applicable local, national and international laws, rules and regulations (each as amended from time to time).

Your use of and access to this website and the online content and courses is subject to the following conditions (“Acceptable Use Conditions”), and you agree that failure to comply with any one of the Acceptable Use Conditions will be a breach of these Terms by you:

1. you agree to use the website and access the online content and courses only for lawful purposes and in no way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;

2. you agree not to use the website or access the online content and courses for the purpose of harming or attempting to harm anyone in any way;

3. you agree not to distribute all or any part of the website or online content and courses in any medium without our prior written consent of us.

4. you agree not to alter or modify any part of the website or any of the online content and courses;

5. you agree not to (and not to attempt to) circumvent, disable or otherwise interfere with any security related features of the website or features that (i) prevent or restrict use or copying of content or (ii) enforce limitations on us, the use of the website or access to the online content and courses;

6. you agree not to knowingly transmit any data or send or submit any content that contains viruses, trojan horses, worms, time-bombs, key-stroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware;

7. you agree not to use or access the website or online content and courses or any part of them for any commercial uses or for the benefit of any third party, including but not limited to:

i. the sale of access to the online content and courses or any associated content;

ii. the solicitation of business in the course of trade or in connection with a commercial enterprise; and

iii. the solicitation of, for commercial purposes, any Visitors or Users of the website with respect to their content

8. you agree to use the website and access the online content and courses in a way which does not infringe the rights of anyone else or restrict or prevent anyone else’s use and enjoyment of the Website, Online Content and Courses;

9 . you agree not to ask for, collect or harvest any personal data of any Visitor or User of the website or online content and courses;

10. you agree not to post, upload, email or otherwise transmit to or otherwise cause us to email, transmit or otherwise distribute chain letters, surveys or studies, calls to action, junk mail, pyramid schemes, incentives (monetary or click-based), spimming or spamming, or bulk communications of any kind, whether or not for commercial or non-commercial purposes;

11. you will not copy, reproduce, create derivative works of, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any content contained on the website (including without limitation the cnline content and courses) for any other purposes other than as permitted by the terms and conditions without our prior written consent .

12. you agree not to use the website or the online content and courses in any manner intended to damage, disable, overburden or impair any HELPBANKERS.COM server or the network(s) connected to any HELPBANKERS.COM server, or disobey any requirements, procedures, policies or regulations of any servers or networks connected to the Website;

13. you agree not to use any high volume, automated, or electronic means to access the website or the online content and courses (including without limitation robots, spiders or scripts);

14. you agree not to frame the website or the online content and courses, place pop up windows over its pages, or otherwise affect the display of its pages;

15. you agree not to access or attempt to access any other visitor or user’s account or falsely state, impersonate, or otherwise misrepresent your identity, including but not limited to the use of a pseudonym or misrepresenting your affiliations with a person or entity, past or present;

16. you agree not to force headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the website; and

17. you agree not to send, knowingly receive, submit, download, use or re-use any material which does not comply with these terms, our Privacy Policy and Terms And Conditions.

18. You agree to comply with these terms in relation to any user content provided by you in connection with the Online content and courses and in connection with the ability to post messages.

19. You acknowledge and agree that the form and nature of the website and online content and courses which we provide may change from time to time without prior notice to you.

20. Whilst we do all we can to ensure that the online content and courses are of a high standard, you understand and acknowledge that, in using the website and online content and courses, you may be exposed to content from our Partner Institutions that is factually inaccurate, offensive if taken out of context, indecent to certain people, or otherwise objectionable to you. We are not responsible (legally or otherwise) for any claims you may have against us in relation to this type of content.

21. You acknowledge and agree that we may stop (permanently or temporarily) providing the website, online content and courses (or any part of the online content and courses) to you or to users generally for whatever reason, at our sole discretion, without prior notice to you.

22. You agree that you are solely responsible for (and that we have no responsibility to you or to any third party for) any breach of your obligations under the terms and for the consequences (including, but not limited to, any loss or damage which we or any third party may suffer) of any such breach

Registration and Accounts:

Any visitor can view the website, but in order to participate fully in all activities on the website and take part in the online content and courses, you must register for a personal account on the website (a “User Account”) by providing your real name, an email address and a password. You agree that you will never divulge or share access or your access information to your User Account with any third party for any reason. In setting up your User Account, you may be prompted or required to enter additional information, including but not limited to your gender, date of birth and location. Additional information may also be required to confirm your identity, including (but not limited to) photographic identification for verification purposes. You undertake to us that all information provided by you in relation to your User Account is and will continue to be accurate, current and complete at all times and that you will maintain and update your information to keep it accurate, current and complete. You acknowledge that if any information provided by you in relation to your User Account is untrue, inaccurate, not current or incomplete, we reserve the right to suspend or terminate your access to and use of the website and your enrolment in the online content and courses.

Member Acceptance of Terms of Sale:

Your use of the website and registration of an account includes the ability to enter into agreements and/or to make purchases electronically. You agree that any submissions you make for electronic purchases constitute your intent and agreement to be bound by the terms of these terms and conditions and to pay for such purchases. Your agreement and intent to be bound by electronic submissions applies to all records relating to all transactions you enter into on our websites, including notices of cancellation, policies, contracts, and applications.

User-Uploaded Content:

Our forums, resource bank and any pages of the websites where you are able to upload materials are provided for the exchange of lawful, relevant, fair and appropriate information, opinions, materials and comment. You acknowledge that all information, data, messages, documents and materials uploaded or contributed to our websites ("User-Uploaded Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such User-Uploaded Content originated. We accept no responsibility for, and do not guarantee, the accuracy, integrity or quality of any User-Uploaded Content placed on our websites by any of our user. You acknowledge that by using the services, there is a risk that you may be exposed to User-Uploaded Content that you may find offensive, indecent or objectionable. You should be aware that a party aggrieved by your User-Uploaded Content (for instance, because it is defamatory or infringes another party's rights) may take legal action against you. This could result in registration data and/or other data concerning your identity being disclosed, and you having to pay compensation, to the aggrieved party.

You agree to not use the Services to:

• Upload, post, email, PM (personal message) or otherwise transmit any User Uploaded Content that:
• you do not have a right to transmit or that infringes the intellectual property rights of any party;
• you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as insider information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
• is unlawful, threatening, abusive, harassing, defamatory, vulgar, obscene, libellous, invasive of another's privacy, hateful, or racially, ethnically or otherwise discriminatory;
• amounts to unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or prohibited marketing content including (but not limited to) illicit marketing to children; and/or
• contains software viruses or any other computer code, files or programs that (i) interrupt, damage, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or (ii) negatively affect a user's ability to access and use the Services;
• impersonate any person or entity, including, but not limited to, a HELPBANKERS.COM staff member, a forum leader, guide or host, or misrepresent your affiliation with a person or entity;
• forge headers or otherwise manipulate identifiers in order to disguise the origin of any User-Uploaded Content transmitted through the Services;
• harm or attempt to harm minors in any way;
• intentionally or unintentionally violate any applicable law or regulation;
• collect or store personal data about other users;
• use data mining, robot, spider, scraping or similar automated data gathering, extraction or publication tools for any purpose;
• post content which refers to individual schools, colleges or agencies - or their staff - whether by name, or identifiable by a pseudonym or any other means;
• advertise any job vacancies in any area of our forums (other than through a website which is clearly designated as a recruitment service); and/or.
• breach any license you have been granted to make use of any User-Uploaded Content.

You acknowledge that HELPBANKERS.COM generally does not pre-screen User Uploaded Content that you post on the website, but that HELPBANKERS.COM and people designated by it shall have the right (but not the obligation) to monitor communications that occur through, and posts made to, the Websites. If HELPBANKERS.COM determines, in its sole discretion, that you or another user have breached these terms and conditions or that any User-Uploaded Content is inappropriate or otherwise objectionable, HELPBANKERS.COM may refuse to accept or may remove any User-Uploaded Content from the Websites, without any liability to you or a third party.

Special warning for international use:

The website is designed to be compliant with applicable Indian laws and regulations and are intended for use only by users resident in India. Due to the global nature of the Internet, users from all over the world may have access to the Websites. If you are resident in a country outside of the India, you use the website at your own risk.

General practices regarding use and storage:

You acknowledge that HELPBANKERS.COM may establish general practices and limits concerning use of the services, including without limitation the maximum number of days that message board postings or other content will be retained by the services and the maximum number of times (and the maximum duration for which) you may access the services in a given period of time. You agree that HELPBANKERS.COM has no responsibility or liability for the deletion or failure to store any messages and other communications or other content maintained or transmitted by the services. You acknowledge that HELPBANKERS.COM reserves the right to de-activate accounts that are inactive for an extended period of time. You further acknowledge that HELPBANKERS.COM reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice. You are responsible for any hardware, systems and/or software program(s) you use and any associated fees and expenses (a) to connect to, browse or otherwise use the Internet, and/or (b) to access our Websites, and/or (c) to use, edit, browse, download or transfer any materials on our Website, including any User-Uploaded Content.

Dealing with advertisers, suppliers and merchants:

Your dealings with advertisers, merchants and any other third party found on or through the services, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. To the fullest extent permitted by applicable law, you agree that: (a) HELPBANKERS.COM shall not be responsible or liable for any loss or damage of any kind incurred as the result of any such dealings or as the result of the presence of such advertisers and merchants on the services or the website; (b) any orders placed by you on, and any product specifications and product availability appearing on, the services or the websites are subject to confirmation by, and are supplied subject to the terms and conditions of business of, the relevant merchant; and (c) HELPBANKERS.COM does not endorse or adopt any of the advertisements provided on its website.

Disclaimers:

You expressly acknowledge and agree that:

• Your use of the services, and websites, is at your sole risk. HELPBANKERS.COM has made every effort to ensure that the content on the website and made available through the services is accurate and up-to-date and correct at the time of publication. However, the websites and the services are provided on an 'as is' and 'as available' basis. We do not guarantee the accuracy, timeliness, completeness, quality or fitness for purpose of the content provided on the websites or through the services or that use of the website will be uninterrupted, virus-free or error-free. No responsibility is accepted by or on behalf of HELPBANKERS.COM for any errors, omissions or inaccurate information on the websites or available through the services.
• The content on the website and made available through the services is for general information and use only and is not intended to, nor does it, constitute legal or other professional advice or services or a recommendation to purchase any product or service upon which a specific decision should be made. The information, content of the websites and services do not address your particular circumstances and accordingly you should not rely upon the content of the websites or the services as a substitute for proper professional advice.
• HELPBANKERS.COM is not responsible for how the content on the websites or available through the services is used, is interpreted or what reliance is placed on it. We do not accept any responsibility for the results of any action taken on the basis of the information provided on the websites or available through the services.
• Any material downloaded or otherwise obtained through the use of the website is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
• No advice or information, whether oral or written, obtained by you from HELPBANKERS.COM shall create any warranty or other obligation.

Confidential Information:

You acknowledge that any Confidential Information which you obtain by entering into these terms and conditions and the use of the services constitutes the valuable, confidential, proprietary information of HELPBANKERS.COM and its licensors, and you agree that during the term of your use of the services and thereafter you shall not, without our express written consent, use or disclose to any other person any such Confidential Information. For the purposes of these terms and conditions, "Confidential Information" means any and all data, information, documents, software or materials relating to the business and management of HELPBANKERS.COM , its users and members, affiliates, licensors and/or licensees that is designated as confidential or ought reasonably to be considered confidential, including but not limited to: their business model and operations, processes, products, designs, pricing, promotions, business plans, business opportunities, finances, research, development, know-how, trade-secrets, training materials, personnel, clients, methodologies, website content belonging to others and other intellectual property.

Changes to the Website and the terms and conditions of the User Policy:

We may update or amend the User Policy (as well as any other policies or guidance we issue) from time to time to comply with law or to meet our changing business requirements, without notice to you. Any updates or amendments will be posted on the website. In addition, we reserve the right to modify, suspend or discontinue all of the online content and courses with or without notice to you and we will not be liable to you or any third party for any such modifications, suspension or termination. By continuing to use the website, you agree to be bound by the terms of these updates and amendments.

Consent:

The user provides his/her/their consent to our User Policy including any future modifications by accessing, registering or using any part of the service on our site.

Contacting Us:

If you have any questions/suggestions regarding the User Policy, do drop an email at support@HELPBANKERS.COM with "User Policy " in the subject line.

Effective Date: This policy is effective and was last updated on 28.10.2025