Welcome to www.anybanq.lk (“Website”), owned and operated by Fintech Digital (Private) Limited, a company incorporated under a limited liability company incorporated under the Companies Act No. 7 of 2007 od Democratic Socialist Republic of Sri Lanka, bearing registration No. PV 119546.
1. PROPRIETARY RIGHTS
You acknowledge and agree that Fintech Digital (Private) Limited owns all rights, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether registered or not) provided through AnybanQ.lk. You further acknowledge that the Services may contain information which is designated confidential and protected under Copyright by AnybanQ.lk, Fintech Digital (Private) Limited and/or a respective affiliate Bank and that you shall not extract and disclose such information for your own commercial/financial gain without obtaining prior written consent from AnybanQ.lk and Fintech Digital (Private) Limited
Fintech Digital (Private) Limited grants you a limited license to access and make personal use of the AnybanQ.lk Website and its Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of AnybanQ.lk, Fintech Digital (Private) Limited or affiliate Bank’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.
2. USAGE OF THE WEBSITE
The Website is intended for personal and non-commercial use. The Website is intended to be used for obtaining information on products and services offered by Banks.
You also agree to provide true, accurate, current and complete information about yourself as and when prompted by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or AnybanQ.lk has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, AnybanQ.lk shall have the right to notify respective parties (i.e. Banks who received said information), of such untrue, inaccurate, not updated or incomplete information and if necessary restrict any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.
By making use of the Website, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that AnybanQ.lk, Fintech Digital (Private) Limited, and/or the respective Bank may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application.
You specifically understand and agree that by using the Website you authorize AnybanQ.lk, Fintech Digital (Private) Limited and its affiliates and partners to contact you for any follow up calls in relation to the Services provided through the Website. You agree and consent to receive communications on your phone/mobile number provided by you on the Website.
You agree and authorize AnybanQ.lk to share your information with its affiliated Banks of who’s products you have expressed interest, in so far as required for marketing purposes/offering various Services and/or to provide you with various value-added services, in association with the Services selected by you or otherwise. You agree to receive communications through e-mails, mobile push notifications or SMS, from AnybanQ.lk or its vendors regarding the Services/ancillary Service updates, information/promotional notifications and/or product announcements. You also agree that AnybanQ.lk/Fintech Digital (Private) Limited reserves the right to make your details available to its affiliate Banks who’s products you have expressed interest in and that you may be contacted by the said Banks for information through email, telephone and/or SMS. If you request not to receive such communication/marketing material any further, it shall be applicable prospectively only and shall not apply in respect to your data already shared by AnybanQ.lk and Fintech Digital (Private) Limited with its affiliate Banks upon your prior consent. In case you do not wish to receive any such communication/marketing materials from our affiliate banks/ financial institutions, we request you to kindly get in touch with them independently, without involving AnybanQ.lk.
You shall not sell AnybanQ.lk Services, information, or software associated with or derived from it or use any robot, spider, other automatic device, or manual process to monitor or copy the Website and or its content or interfere or disrupt the Website; take any action that imposes an unreasonably or disproportionately large load on AnybanQ.lk’s infrastructure/network or use any device, or interfere or attempt to interfere with the AnybanQ.lk Services or forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through AnybanQ.lk or to manipulate your presence on the Website.
You may only use the Website to search for loans, mutual funds, credit cards or other financial products as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or by any local laws that might apply to you. Since the Website is in operation in Sri Lanka, while using the Website, you shall agree to comply with laws that apply to Sri Lanka and your own country (in case of you being a foreign national).
We may, at our sole discretion, at any time and with on-arrival notice, suspend, terminate or restrict your access to all or any component of the Website.
You are prohibited from posting or transmitting to or through this Website: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website.
Fintech Digital (Pvt) Limited, from time to time, will gather choice and platform use information in the form of Cookies for ONLY the purposes of (1) remarketing specific respective AnybanQ.lk services & products and/or Banking services & products and/or Banks themselves, and (2) understanding consumer needs and markets.
Fintech Digital (Pvt) Limited reserves the right to provide customers & platform visitors Push Notifications through AnybanQ.lk , only to provide Customers/Platform Visitors with helpful information regarding the Platform or featured Banks or Banking Products & Services.
The Customer/Platform Visitor may accept or reject the said providing of Push Notifications made by AnybanQ.lk through their browser’s functions. The Customer also may post accepting the providing of said Push Notifications stop the Push Notifications through their browser’s functions.
AnybanQ.lk will take steps to ensure that in the gathering of user data the privacy of any Customers/Site Visitors information and user data is not violated. Any data that is gathered through the platform will not be provided to be used by entities outside the jurisdiction of Sri Lanka to promote/remarket their products & services to the Customer/Platform Visitor.
You by using the AnybanQ.lk Platform and accessing respective Product Pages on the platform and respective Bank pages through the platform acknowledge that you have agreed to this Policy and all its terms and conditions. By using the AnybanQ.lk website or its Services you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to use or access the Website and its Services.
4. OUR PARTNERS
Display of Banking products, offered by third parties (i.e. the featured Banks), on the Website does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of AnybanQ.lk in favor/against such third parties or their products. You agree that AnybanQ.lk is in no way responsible for the accuracy, timeliness, or completeness of information it may obtain from these third parties.
Your interaction with any third party accessed through the Website is at your own risk, and AnybanQ.lk will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
5. DISCLAIMER OF WARRANTY
The Website and all content and Services provided on the Website are provided on an "as is" and "as available" basis. AnybanQ.lk expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. AnybanQ.lk and Fintech Digital (Pvt) Ltd makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any Services offered through the Website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations.
6. LIMITATION OF LIABILITY
You agree to indemnify and hold AnybanQ.lk and Fintech Digital (Pvt) Ltd (and its officers, directors, agents and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Website.
Any failure or delay by AnybanQ.lk and/or Fintech Digital (Pvt) Limited to enforce or exercise any provision of these Terms, or any related right, shall not constitute a waiver by AnybanQ.lk of that provision or right. The exercise of one or more of AnybanQ.lk’s rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to AnybanQ.lk and Fintech Digital (Pvt) Limited under these Terms or in law or at equity. Any waiver of any provision shall only be effective if made in writing and executed by a duly authorized officer of Fintech Digital (Pvt) Ltd
9. FORCE MAJEURE
If performance of Services/Website by AnybanQ.lk is prevented, restricted, delayed or interfered with by reason of labor disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, malware, trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Website, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of AnybanQ.lk and Fintech Digital (Pvt) Limited and could not have been prevented by reasonable precautions, then AnybanQ.lk and Fintech Digital (Pvt) Limited shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by AnybanQ.lk of its obligations herein or incur any legal liability on AnybanQ.lk.
10. ADDITIONAL TERMS
You may not assign or otherwise transfer your rights or obligations under these Terms. AnybanQ.lk may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. If we fail to act on your breach or anyone else's breach on any occasion, we are not waiving our right to act with respect to future or similar breaches. Other terms and conditions may apply to Banking products that you may apply on the Website. You will observe these other terms and conditions. The laws of the Sri Lanka, without regard to its conflict of laws rules, will govern these Terms, as well as your and our observance of the same. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in Colombo, Sri Lanka. In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees. You acknowledge that you have read and have understood these Terms, and that these Terms have the same force and effect as a signed agreement. This paragraph shall survive termination of this agreement.