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THESE TERMS AND CONDITIONS GOVERN YOUR USE OF BRAHMA KUMARIS INFORMATION SERVICES LIMITED'S WEBSITE. BY USING THIS WEBSITE YOU AGREE AND ABIDE BY THE TERMS SET OUT BELOW.
Copyright
This website and the copyright in all text, graphics, images, software and any other materials on this website is owned by or licensed to Brahma Kumaris Information Services Limited (“BKIS”). You may only use the materials on this website for your own personal non-commercial use. You may electronically copy or print extracts of materials from this website for such purpose only and without alteration, addition or deletion. Any other use of the materials on this website, including any reproduction or alteration, is prohibited without BKIS’s prior permission.
Trademarks
BKIS, its logo and BK Publications are trademarks of BKIS. Such trademarks may be reproduced in unamended form on materials downloaded from this website to the extent authorised above, but should not be otherwise used, copied, adapted or erased.
The names or logos of other companies or entities and products appearing on this website may be the trademarks of third parties and are used by BKIS with the permission of their respective owners.
Third parties websites
This website may contain materials produced by third parties or links to other websites. BKIS accepts no responsibility or liability in respect of any such third party materials or for the operation or content of other websites (whether or not linked to this website) which are not under BKIS’s direct control. BKIS reserves the right to require the removal of any link from another website to this website which is installed without obtaining the prior written consent of BKIS.
Availability and suitability of BKIS services
Although BKIS updates the website regularly, BKIS does not warrant that the information or materials contained in the website are current or accurate or that any of products or services featured on the website are available. BKIS may change the materials appearing on this website at any time without notice.
BKIS’s liability
The terms and conditions under which any product or service is provided to you will govern your relationship with respect to that product or service.
HOWEVER, THIS WEBSITE AND ALL SOFTWARE AND OTHER MATERIAL ON THIS WEBSITE IS PROVIDED TO YOU ON AN “AS IS” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, SATISFACTORY QUALITY OR FITNESS FOR PARTICULAR PURPOSE ARE HEREBY EXCLUDED.
BKIS DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT ANY PRODUCT OR SERVICE PROVIDED TO YOU WILL MEET YOUR REQUIREMENTS OR THAT ITS PROVISION WILL BE UNINTERRUPTED, ERROR-FREE, TIMELY, SECURE OR FREE FROM ANY VIRUS, AND SHALL NOT BE LIABLE THEREFOR.
Indemnity
You agree to indemnify, defend and hold BKIS, its parents, subsidiaries, affiliates, related parties, officers and employees harmless from any loss, cost, damage, claim or demand, including reasonable legal fees, made by any third party or incurred or suffered by BKIS or its parents, subsidiaries, affiliates, related parties, officers or employees in connection with your use of the website in breach of this Agreement or negligence.
Your obligations to us
You agree to ensure that all information which you provide to BKIS is true and accurate to the best of your knowledge and belief. You agree to notify BKIS immediately of any changes to the details you have provided.
Entire agreement
These Terms and Conditions contain the entire agreement between you and us relating to your use of this website. BKIS may change these Terms and Conditions at any time and will notify you of such changes by posting an updated version of these Terms and Conditions on this website. You are responsible for regularly reviewing these Terms and Conditions and continued use of this website after any such changes shall constitute your consent to such changes.
Applicable laws
This website (including these Terms and Conditions) and the use thereof shall be governed by English law and the English courts shall have exclusive jurisdiction over any disputes arising from this website and/or the use thereof.
BKIS PRIVACY AND SECURITY POLICY
We are committed to protecting the privacy of all personal information which we obtain from you during your visits to the BKIS website and the use of your BKIS Account. Our aims is to safeguard the privacy and security of your personal information whilst providing a personalised service which keeps you up to date with products and services which meet your individual preferences and needs. By using the BKIS website, you indicate your consent to the collection and use of such information in accordance with the following Privacy Policy of BKIS.
What information is obtained about you and what do we use the information for?
Cookies
Cookies are information files which a website places onto a user’s hard drive for information gathering purposes. The BKIS system requires this information to operate its banking processes. We also use cookies to obtain general statistical data about users of our website and their interests so that we can improve our website in accordance with user preferences. We may share aggregated demographic data with associated or related parties in order to provide users with information and offers that best match their interests.
If you open an account, we will use information gathered via cookies to keep you informed of products and services offered by us or associated or related parties in which we think you might be interested.
Application information
In order to apply for the BKIS Account or any other product or service featured on our website, you will be asked to provide certain relevant personal information which we need to process your application request.
In addition to using your information to confirm your identity and maintain your Account, we may use the information you provide to us to contact you by telephone, mail, fax, email or other electronic means to provide you with information about other products and services available from BKIS or associated or related parties which may interest you.
Account information
We review your use of your Account, including any transactions you make, to ensure that we are giving you the best possible terms and service and to enable us and associated or related parties to keep you up to date with products, services and events in which we think you might be interested.
Credit reference agencies
In accordance with standard banking practice, if you apply to open an Account, we seek a credit reference about you from a credit reference agency to help us check your credit status.
Who do we disclosure your information to?
Credit reference agencies
In accordance with standard banking practice, if you apply for an Account, we will provide certain information about you to a credit reference agency to carry out an assessment. If you open an Account, we will provide regular details about your use of your Account to the credit reference agency. Information held by credit reference agencies is available to other business to cross-check to prevent fraud and money laundering, trace debtors and assess credit applications.
Associated parties
BKIS does not sell, rent or trade your personal information to others. However, BKIS is associated with the Brahma Kumaris World Spiritual University (UK) and publishes for it. BKIS may therefore share your information with it to ensure that we keep you informed about other BKIS-approved products, services and events in which you might be interested. We may also provide such information to third parties who provide us with services to enable us to operate the BKIS website and the BKIS account. We will endeavour to provide your information only to persons who agree to use such information in a manner which is consistent with this policy.
Joint Applications
Where you and another person wish to open a joint account, each one of you needs to submit your own application details to us so that we know each of you has consented to your details being used in accordance with this policy.
Accessing and updating your information
You may request a copy of the information which we have about you at any time by writing to us at the address shown on the website. You may inform us at any time that your personal details have changed by filling out the appropriate pages on the relevant section of the BKIS website. We will change your personal details in accordance with your instructions.
Security
We use appropriate technical security measures to protect your personal information and ensure that it is not accessed by unauthorized persons. Information storage is on secure computers in a restricted information centre and information is encrypted wherever possible. Our security procedures also provide that we may request proof of identification before we will release personal information to you. We undergo periodic reviews of our security policies and procedures to ensure that BKIS systems are secure and protected.
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