Welcome to Duruj Financial Services. By using our services, you agree to these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not use our services.

1. Services

Duruj Financial Services provides financial services, including but not limited to banking, investment, and insurance services. We reserve the right to modify or discontinue our services at any time without notice.

2. User Accounts

In order to use our services, you may be required to create a user account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

3. Privacy

We respect your privacy and are committed to protecting your personal information. Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our services, you agree to our Privacy Policy.

4. Intellectual Property

All content included in our services, including but not limited to text, graphics, logos, images, and software, is the property of Duruj Financial Services or its content suppliers and is protected by United States and international copyright laws. You may not copy, distribute, modify, or create derivative works of any content without our prior written consent.

5. Disclaimer of Warranties

Our services are provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the operation of our services or the information, content, materials, or products included in our services. You expressly agree that your use of our services is at your sole risk.

6. Limitation of Liability

To the fullest extent permitted by law, Duruj Financial Services shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with the use or inability to use our services.

7. Indemnification

You agree to indemnify and hold Duruj Financial Services, its affiliates, and their respective officers, directors, employees, and agents harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of our services or your violation of these Terms and Conditions.

8. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of [insert state], without giving effect to any principles of conflicts of law.

9. Dispute Resolution

Any dispute arising out of or in connection with these Terms and Conditions or your use of our services shall be resolved through binding arbitration, conducted in accordance with the rules of the American Arbitration Association.

10. Changes to Terms and Conditions

We reserve the right to update or modify these Terms and Conditions at any time without notice. Your continued use of our services after any such changes shall constitute your acceptance of the modified Terms and Conditions.

11. Contact Us

If you have any questions or concerns about these Terms and Conditions or our services, please contact us at [email protected].

Effective Date

These Terms and Conditions are effective as of May 1, 2023.