Welcome to Duruj Financial Services. By using our services, you agree to abide by the terms and conditions of this User Agreement. 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. User Conduct

You agree to use our services only for lawful purposes and in compliance with all applicable laws and regulations. You agree not to:

• Use our services in any manner that could damage, disable, overburden, or impair our servers or networks.
• Attempt to gain unauthorized access to any part of our services, user accounts, or computer systems.
• Use any robot, spider, or other automated device or process to access our services for any purpose.
• Use our services to transmit any unsolicited or unauthorized advertising, promotional materials, or spam.
• Use our services to transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.

• 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 this User Agreement.

8. Governing Law

This User Agreement 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 this User Agreement 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 User Agreement

We reserve the right to update or modify this User Agreement at any time without notice. Your continued use of