Terms & Conditions

1. Introduction

Welcome to the official website of Meghalaya Rural Bank ("MRB", "the Bank", "we", "us", or "our"), a Regional Rural Bank sponsored by State Bank of India, established under the Regional Rural Banks Act, 1976, regulated by the Reserve Bank of India (RBI) and supervised by NABARD.

These Terms and Conditions ("Terms") govern your access to and use of this website, including all content, features, and services available on it. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please discontinue use of this website immediately.

These Terms should be read together with our Privacy Policy, which is incorporated herein by reference.

2. Acceptance of Terms

Your access to and use of this website constitutes your unconditional acceptance of these Terms and any amendments made to them from time to time. We reserve the right to revise these Terms at any time by updating this page. Continued use of the website after any such changes shall constitute your acceptance of the revised Terms.

We recommend that you review this page periodically.

3. Nature of the Website

This website is the official informational and service portal of Meghalaya Rural Bank. It is intended to:

• Provide information about the Bank's products, services, and schemes
• Enable customers and members of the public to submit enquiries, applications, and service requests
• Share regulatory, statutory, and public interest information
• Provide access to downloadable forms and documents

The website is not a substitute for personalised banking advice. Information published here is of a general nature and may not apply to your specific circumstances.

4. Eligibility

Use of this website is available to any person who:

• Is a resident of India or an Indian citizen accessing the website from abroad
• Is of 18 years of age or above, or is accessing the website under the supervision of a parent or legal guardian
• Is not barred from receiving services under any applicable law or regulation

By using this website, you represent and warrant that you meet these eligibility requirements.

5. Permitted Use

You may use this website only for lawful purposes and in a manner consistent with these Terms. You agree that you will not:

• Use the website in any way that violates applicable Indian law or regulation
• Attempt to gain unauthorized access to any part of the website, its servers, or any system connected to it
• Introduce viruses, malware, or any other harmful code into the website or its systems
• Engage in any conduct that disrupts, damages, or impairs the website or the experience of other users
• Copy, reproduce, distribute, or commercially exploit any content from this website without our prior written permission
• Use the website to transmit unsolicited communications or engage in phishing or fraudulent activity
• Impersonate the Bank, its officers, or any other person or entity
• Scrape, crawl, or systematically extract data from the website using automated tools

We reserve the right to restrict or terminate your access to the website if you breach any of these conditions.

6. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, icons, images, audio and video clips, data compilations, and software — is the property of Meghalaya Rural Bank or its licensors and is protected under applicable intellectual property laws of India.

You may view, download, and print content from this website solely for your personal, non-commercial use, provided that:

• You do not modify the content in any way
• You retain all copyright and proprietary notices
• You do not represent the content as your own

No content from this website may be reproduced, republished, uploaded, transmitted, or distributed for commercial purposes without our prior written consent.

The name Meghalaya Rural Bank, its logo, and associated marks are the property of the Bank and may not be used without authorization.

7. Accuracy of Information

We make every effort to ensure that the information published on this website is accurate, current, and complete. However:

• Information is provided for general guidance only and may change without notice
• Product features, interest rates, charges, and eligibility criteria are subject to change and should be confirmed with the Bank before making any financial decision
• In the event of any conflict between information on this website and official Bank documents, circulars, or communications, the latter shall prevail
• We do not warrant that the website is free from errors, omissions, or inaccuracies

You are advised to verify all material information directly with the Bank before acting upon it.

8. No Financial or Legal Advice

Nothing on this website constitutes financial, investment, legal, or tax advice. Information about banking products and schemes is provided for general awareness only. You should seek independent professional advice before making any financial decision.

Meghalaya Rural Bank shall not be liable for any loss or damage arising from reliance on information published on this website.

9. Online Forms and Applications

Where the website enables submission of online forms, applications, or enquiries:

• You are responsible for ensuring that all information you submit is accurate, complete, and truthful
• Submission of a form or enquiry does not constitute a binding agreement or guarantee of service
• The Bank reserves the right to verify information submitted and to reject incomplete or inaccurate submissions
• Submission of false or misleading information may result in rejection of your application and may attract legal consequences under applicable law

10. Security of Your Credentials

If you are provided with login credentials, an account, or access to any secure or authenticated section of this website:

• You are responsible for maintaining the confidentiality of your credentials
• You must not share your username, password, PIN, or OTP with any other person
• You must notify the Bank immediately if you suspect unauthorized access to your account
• The Bank will never ask you for your password, PIN, or OTP through any channel — including phone calls, emails, or SMS

The Bank shall not be liable for any loss arising from unauthorized use of your credentials where you have failed to maintain their confidentiality.

11. Third-Party Links

This website may contain links to external websites, including government portals, regulatory bodies, and partner platforms. These links are provided for your convenience only. Meghalaya Rural Bank:

• Does not endorse or take responsibility for the content, accuracy, or practices of any third-party website
• Has no control over the availability or content of linked websites
• Is not liable for any loss or damage arising from your use of or reliance on any third-party website

You access third-party websites entirely at your own risk. We recommend reviewing the terms and privacy policies of any external site you visit.

12. Availability of the Website

We endeavour to keep this website available at all times. However, we do not guarantee uninterrupted or error-free access. The website may be temporarily unavailable due to:

• Scheduled or emergency maintenance
• Technical failures or system upgrades
• Circumstances beyond our reasonable control, including internet disruptions or force majeure events

We shall not be liable for any inconvenience or loss arising from the unavailability of the website.

13. Disclaimer of Warranties

This website and all content on it are provided on an "as is" and "as available" basis without any warranty of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

• The website will meet your requirements
• Access will be uninterrupted, timely, or secure
• Any errors or defects will be corrected
• The website or the servers that make it available are free from viruses or harmful components

14. Limitation of Liability

To the fullest extent permitted by applicable law, Meghalaya Rural Bank, its officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential loss or damage arising out of:

• Your use of or inability to use this website
• Any errors, inaccuracies, or omissions in the content of the website
• Unauthorized access to or alteration of your data
• Any third-party content or websites linked from this website
• Any disruption or failure of the website

Nothing in these Terms limits our liability for fraud, gross negligence, or any liability that cannot be excluded under applicable Indian law.

15. Indemnity

You agree to indemnify and hold harmless Meghalaya Rural Bank and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including legal costs) arising out of or in connection with:

• Your breach of these Terms
• Your violation of any applicable law or regulation
• Any false or misleading information submitted by you through the website
• Any unauthorized use of the website by you or through your credentials

16. Fraud Awareness

Meghalaya Rural Bank will never:

• Ask you to share your password, PIN, OTP, or full card number over phone, email, or SMS
• Send you links asking you to log in to your account through unverified channels
• Request payment in exchange for processing a loan or account application

If you receive any suspicious communication claiming to be from Meghalaya Rural Bank, do not respond, do not click any links, and report it to us immediately at our Grievance Officer contact (found in our Privacy Policy). You may also report cybercrime at www.cybercrime.gov.in or call 1930.

17. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts at Shillong, Meghalaya.

Meghalaya Rural Bank is a Regional Rural Bank sponsored by State Bank of India, regulated by the Reserve Bank of India and supervised by NABARD.