The information, products, Gold loan Schemes and services included in or available on Kosamattam.com may change periodically added to the information herein. Kosamattam.com and may make improvements and/or changes on the Kosamattam.com website at any time.

If you rely on this service or any material available through this service, you do so at your own risk. You understand and accept that there may be delays, omissions, interruptions, inaccuracies, and/or other problems with the information, products, and services published over this site. This service is provided to you "as is”. Kosamattam.com and cannot and do not warrant the accuracy, completeness, non-infringement, merchantability or fitness for a particular purpose of the information available through the service (or any information, goods or services that are referred to, advertised on, or sold through this service). Nor do they guarantee that the service will be error free, or continuously available, or that the service will be free of viruses or other harmful components. Under no circumstances shall Kosamattam.com be liable to you or anyone else for any damages, including, without limitation, any liability for consequential, special, incidental, indirect, punitive, exemplary, or other damages of any kind (including lost revenues or profits, loss of business or loss of data) even if we are advised beforehand of the possibility of such damages.

NThe material contained in this site and on associated web pages is general information and it is not intended to be advice on any particular matter.

Subscribers and users should seek professional advice before acting on the basis of the information contained herein. The decision with respect to any Gold loan product or opportunity or nature or suitability or choice or the viability of any product or service shall always be sole responsibility and decision of the subscriber and user.

In no event shall Kosamattam.com be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including without limitation, damages for loss of use arising out of or in any way connected with the use or performance of the Kosamattam.com website, with the delay or inability to use the Kosamattam.com website or related services, the provision or failure to provide services, or for any information, products, services and related graphics obtained through the Losamattam.com website, or otherwise arising out of the use of the Kosamattam.com website, whether based on contract, tort, negligence, strict liability or otherwise, even or any of its has been advised of the possibility of damages. If you are dissatisfied with any portion of the Kosamattam.com website or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Kosamattam.com website.

Kosamattam.com reserves the right to cancel any listing/ Gold Loan Scheme at any time for any reason, with or without cause/reason, and reserves the right to prohibit or restrict access to the Services to anyone at any time, with or without cause/reason

The material that appears on Kosamattam.com is for informational purposes only. Despite our efforts to provide useful and accurate information, errors may appear from time to time. Before purchasing goods or services you've read about on Kosamattam.com , you should confirm with the company / branch any information that is important to your decision of opting for services from the company.

You agree that any material, information, and ideas that you transmit to this site shall be and remain the property of Kosamattam.com

All Transmissions shall be treated as non-confidential and non-proprietary and Kosamattam.com shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the Transmissions to others without limitation. Additionally, Kosamattam.com shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing or marketing services incorporating such information.

You further agree that Kosamattam.com may use information about your demographics and use of this site in any manner.

Kosamattam.com may revise these terms of use by updating this posting. You agree that in the event any portion of these Site terms of use are found to be unenforceable, the remainder of these Site terms and conditions shall remain in full force and effect. By using this Site you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current terms of use to which you are bound.

Kosamattam.com web site may collect information from web site visitors that is not personally-identifiable, including the visitor's operating system, browser, domain name, and the specific web pages on the Kosamattam.com Web site that are accessed or visited. Kosamattam.com only collects this information in the aggregate, and only uses it to improve Kosamattam.com web site.

Kosamattam.com informs web site visitors that when they visit Kosamattam.com web site, Kosamattam.com may store some information on the visitor's computer in the form of a "cookie" or similar file. These files allow Kosamattam.com to tailor a Website to reflect a customer's listed or historical preferences. Most Web browsers allow Web users to exercise control over such files on their computers by erasing them, blocking them, or notifying the user when such a file is stored. Kosamattam.com web site visitors are asked to refer to their browser's instructions to learn about those functions.

We hereby expressly disclaim any implied warranties imputed by the laws of any jurisdiction. We consider ourselves and intend to be subject to the jurisdiction only of the courts of the Kottayam, Kerala in India. If you don't agree with any of our Disclaimers above please do not read the material on any of our pages. The Kosamattam.com website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of Kosamattam.com constitutes your agreement to all such terms, conditions, and notices.

Kosamattam.com reserves the right to change the terms, conditions, and notices under which the Kosamattam.com Site is offered, including but not limited to the charges associated with the use of the Kosamattam.com site. You are responsible for regularly reviewing these terms and conditions.

Kosamattam.com has no obligation to monitor the Communication Services. However, Kosamattam.com reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Kosamattam.com reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Kosamattam.com reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in the sole discretion of Kosamattam.com .

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Kosamattam.com does not control or endorse the content, messages or information found in any Communication Service and, therefore, Kosamattam.com specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service.

No compensation will be paid with respect to the use of your submissions, as provided herein. Kosamattam.com is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in the sole discretion of Kosamattam.com

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Software (if any) that is made available to download from the Kosamattam.com site, excluding software that may be made available by end-users through a Communication Service, ("Software") is the end work of the software provider. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

Kosamattam.com reserves the right, in its sole discretion, to terminate your access to any or all of the Kosamattam.com web site and the related services or any portion thereof at any time, without notice.

This agreement is governed by the laws of the Union of India. You hereby consent to the exclusive jurisdiction and venue of courts in Kottayam, Kerala, India, in all disputes arising out of or relating to the use of Kosamattam.com . Use of Kosamattam.com is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Kosamattam.com as a result of this agreement or use of the Kosamattam.com site. Performance of this agreement by Kosamattam.com is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of the rights of Kosamattam.com to comply with governmental, court and law enforcement requests or requirements relating to your use of Kosamattam.com or information provided to or gathered by Kosamattam.com with respect to such use.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Kosamattam.com with respect to the Kosamattam.com Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Kosamattam.com with respect to the Kosamattam.com site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Kosamattam.com cannot screen, censor or otherwise control the listings or any transactions, including whether a listing is accurately described, whether an item can be legally purchased or sold in your jurisdiction, or whether a transaction will be completed as described by the seller or the buyer. Further, Kosamattam.com cannot control or warrant the behavior of the users of the Services. As such, your use of this section is at your own risk, and Kosamattam.com disclaims any liability with regard to use of the Services and any actions resulting from your or any other party's participation in the Services.

You hereby agree to release Kosamattam.com and its employees, officers and directors from all claims, demands and damages, whether actual or consequential, of every kind, whether known or unknown, disclosed or undisclosed, arising out of or relating to any and all listings, transactions, or any other use of Kosamattam.com web site.

The Kosamattam.com web site may contain links to other Web Sites. The Linked Sites are not under the control of Kosamattam.com and Kosamattam.com is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Kosamattam.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Kosamattam.com of the site or any association

Kosamattam.com is not liable for the delay in the transfer of amounts to the customer bank account due to external factors such as Network Congestions, Bank strike, Any server issues etc. What is mentioned in Kosamattam.com is true and will be delivered with the greatest accuracy if all the factors influencing the transfer are in our favour.