1. Agreement to Terms
By accessing or using IFSCNOW.com (the “Site”), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these Terms, please discontinue use of the Site immediately.
2. Description of Service
IFSCNOW.com is an information service that provides:
- Lookup of Indian bank IFSC, MICR and SWIFT codes;
- Free web-based financial calculators (loan EMI, tax, SIP, FD, RD, PPF, retirement and others);
- Editorial articles and guides on Indian banking and personal finance.
The Site is not a bank, a financial institution, an investment advisor, a broker, or an agent of any of the above. We do not process payments, hold deposits, or facilitate transactions.
3. Use License
Permission is granted to access and use IFSCNOW.com for personal, non-commercial purposes only. This is the grant of a license, not a transfer of title, and under this license you may not:
- Modify, copy, or republish the materials except as needed for your personal use;
- Use the materials for any commercial purpose, including resale or redistribution;
- Attempt to decompile, scrape at scale, or reverse engineer any software, database or interface on the Site;
- Remove any copyright, trademark, or other proprietary notations from the materials;
- Transfer the materials to another person or “mirror” them on any other server;
- Use the Site or its contents in connection with the development of any competing product.
4. User Responsibilities
When using the Site, you agree to:
- Use the Site in compliance with all applicable Indian and international laws;
- Not engage in any activity that could harm, disable, overburden or impair the Site, including denial-of-service attacks or excessive scraping;
- Not attempt to gain unauthorised access to any portion of the Site, server, or related systems;
- Not use the Site for any unlawful, fraudulent, or harmful purpose;
- Verify any IFSC, MICR or SWIFT code, calculator output, or factual statement against an authoritative source (your bank, the Reserve Bank of India, the Income Tax Department, etc.) before relying on it for any financial decision.
5. No Financial, Tax or Legal Advice
All content on the Site — calculators, articles, code listings and other information — is provided for general informational and educational purposes only. It does not constitute, and is not a substitute for, professional financial, investment, tax, banking or legal advice. Always consult a qualified Chartered Accountant, financial planner, tax advisor, lawyer, or your bank before acting on any information you read here. IFSCNOW.com expressly disclaims liability for any decision made on the basis of Site content.
6. Intellectual Property
The Site and its original content (excluding bank logos, names and codes which belong to their respective owners) are the property of IFSCNOW.com and are protected by Indian and international copyright, trademark, and other intellectual-property laws. You may not reproduce, modify, distribute, or commercially exploit any part of the Site without our prior written permission.
7. Bank Trademarks & Independence
IFSCNOW.com is an independent service and is not affiliated with, endorsed by, or sponsored by any bank or financial institution. Bank logos, names, and trademarks are the property of their respective owners and are referenced solely for informational and identification purposes.
8. Advertising and Third-Party Content
Current status: Display advertising (including Google AdSense) is paused on IFSCNOW.com. No third-party ad creatives are shown while the site-wide ads switch is off.
If advertising is re-enabled in the future, the Site may be supported in part by third-party ads, sponsored links, or affiliate links. Those placements are not endorsements by IFSCNOW.com. Ad selection is typically automated by the advertising network. Evaluate any offer carefully before clicking, signing up, or purchasing. IFSCNOW.com is not responsible for advertiser conduct or third-party offer content.
Please refer to our Privacy Policy for details about cookies and data collection by advertising partners, and to our Disclaimer for our full advertising and affiliate disclosure.
9. Accuracy of Materials
While we strive to keep all information on the Site accurate and up to date, we cannot guarantee that every IFSC code, calculator result, tax slab, interest rate, or article statement is current at the moment you view it. Banking rules, tax laws and product features change frequently. The Site may contain technical, typographical, or factual errors, and we may modify content at any time without notice.
10. Third-Party Links
The Site may contain links to third-party websites. We have not reviewed all such sites and are not responsible for their content, privacy practices, or business practices. The inclusion of a link does not imply endorsement. Your use of any third-party site is at your own risk.
11. Limitation of Liability
To the maximum extent permitted by law, in no event shall IFSCNOW.com, its owners, contributors, advertisers or affiliates be liable for any direct, indirect, incidental, special, consequential or punitive damages — including, without limitation, loss of profits, data, business, goodwill, or any financial loss — arising out of or in connection with:
- Your access to or use of (or inability to use) the Site;
- Reliance on any information, calculator output, or article published on the Site;
- Any conduct or content of advertisers, affiliates or other third parties;
- Unauthorised access to or alteration of your transmissions or data.
12. Indemnification
You agree to indemnify and hold harmless IFSCNOW.com and its operators against any claims, damages, losses, liabilities or expenses (including reasonable legal fees) arising out of your breach of these Terms or your misuse of the Site.
13. Modifications to These Terms
We may revise these Terms of Use at any time without prior notice. The “Last updated” date at the top reflects the most recent revision. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
14. Governing Law & Jurisdiction
These Terms 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 located in India.
15. Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
16. Contact Us
If you have any questions about these Terms of Use, please contact us at:
- Email: happy.mynds@gmail.com