Terms & Conditions


The Lokniketan will treat all information regarding you as confidential. Lokniketan will not in the ordinary course disclose any information that it holds about you except in the following circumstances :

  1. where Lokniketan is compelled to do so under the Indian law;
  2. where you have provided your prior written authorization to do so;
  3. where it is in the interest of Lokniketan to do so; or
  4. where it is in the public interest to do so.
  5. Where Lokniketan needs to disclose information to other financial institutions.

Lokniketan may be required to disclose information about you to third parties to facilitate the provision of services to you.

You may not use or export or re-export the information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations in force from time to time.

No Warranties

Lokniketan does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Trade-Marks and Copyrights

Lokniketan reserves all copyright, trademark, patent, intellectual and other property rights in the information contained in this website and to all company specific logos and services logos and no express or implied license is granted in respect thereof. Any unauthorized access, use or reproduction of the information or proprietary rights contained in this site is strictly prohibited and is subject to such action as provided in applicable laws. No information on this website should be reproduced or distributed without the prior written consent of Lokniketan. The Information is for your personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the Site may be a violation of any law that may apply to trade-marks and/or copyrights and could subject the copier to legal action.

Internet E-Mail

Any unprotected e-mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential and is subject to possible interception or loss, and is also subject to possible alteration. Lokniketan is not responsible for and will not be liable to you or anyone else for any damages in connection with an e-mail sent by you to Lokniketan or an e-mail sent by Lokniketan to you at your request or on an ad-hoc basis.

No Liability

Lokniketan is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if Lokniketan has been advised of the possibility of these damages.


Lokniketan controls and maintains this site from India. Lokniketan makes no representation that the information and material contained in this site is appropriate or permitted for use in jurisdictions outside India. The terms and conditions are governed by the laws of India without giving effect to any principles of conflicts of laws. The Site for the user subject to the exclusive jurisdiction of the courts of India without prejudice to the right of Lokniketan to take an action in any jurisdiction whatsoever.

All Rights Reserved.

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