Welcome to Nidhi/Microfinance Company! These terms and conditions govern your use of our services and website. By accessing or using our services, you agree to comply with these terms. Please read them carefully before proceeding.

1. Acceptance of Terms

By using our services, you agree to be bound by these terms and conditions. If you do not agree with any part of these terms, you may not access or use our services.

2. Use of Services

a. You must be at least 18 years old to use our services. b. You agree to use our services only for lawful purposes and in accordance with these terms and any applicable laws and regulations. c. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3. Privacy Policy

Your use of our services is subject to our Privacy Policy, which governs the collection, use, and disclosure of your personal information. Please review our Privacy Policy to understand how we collect, use, and protect your information.

4. Intellectual Property

a. All content included on our website and in our services, such as text, graphics, logos, images, and software, is the property of Nidhi/Microfinance Company or its licensors and is protected by copyright and other laws. b. You may not reproduce, distribute, modify, or create derivative works of our content without our prior written consent.

5. Limitation of Liability

a. Nidhi/Microfinance Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our services. b. Our total liability to you for any claims arising out of or related to our services shall not exceed the amount paid by you, if any, for accessing or using our services.

6. Modifications to Terms

We reserve the right to modify these terms and conditions at any time without prior notice. Any changes will be effective immediately upon posting on our website. Your continued use of our services after the posting of revised terms constitutes your acceptance of such changes.

7. Governing Law

These terms and conditions shall be governed by and construed in accordance with the laws of government.

8. Contact Us

If you have any questions about these terms and conditions, please contact us at  info@xedok.com.