PROPRIETARY RIGHTS
BankBenchers owns all rights, title, and interest in the Services, including intellectual property. Users may not copy, transmit, modify, or use trademarks, service marks, or other brand features without permission.
ELIGIBILITY
The Services are available only to users above 18 years of age and not barred under applicable laws. Users are responsible for safeguarding login credentials and all activities conducted under their account.
LICENSE & ACCESS
We grant you a limited, non-transferable license to access and use the Services for personal, non-commercial purposes. You agree to provide accurate information when prompted. BankBenchers reserves the right to suspend or terminate access for untrue, inaccurate, or incomplete information.
USAGE OF MOBILE APPLICATION
We grant you a non-exclusive, royalty-free license to install and use one copy of the App solely for your personal use. You must not reproduce, reverse engineer, or distribute the App beyond these terms.
OUR SERVICES
EKCC is a Loan Origination System designed to make agricultural credit access simple, transparent, and digital for farmers.
Loan Origination Platform: EKCC connects farmers with banks, PACS, and financial institutions, working with digital partners like RBIH, CDAC, and NABARD to streamline applications.
Application Process:Farmers can apply for Kisan Credit Card (KCC) or other agricultural loans through EKCC. Applications are sent to the farmer’s preferred bank branch/PACS that is integrated under a tripartite agreement with NABARD.
Bank’s Role: The bank/PACS conducts due diligence, verifies documents, and decides whether to approve, reject, or modify applications. Loan disbursement is done directly by the bank/PACS as per its policies.
Our Role: WWW.EKCC.NABARD.ORG is a facilitation platform only. We are not a lender or financial institution. We do not make credit decisions. We are not responsible for sanctions, rejections, or disbursements. Our role is to simplify the digital journey for farmers.
Disclaimer: Once an application is submitted, the loan relationship is strictly between the farmer and the concerned bank/PACS. EKCC does not guarantee loan approval or disbursement. Farmers should seek independent advice if needed.
PRIVACY POLICY
Use of services is subject to our privacy Policy. By using EKCC, you acknowledge that you have read and agreed to it.
OUR PARTNERS
Display of financial products by third parties does not constitute endorsement or recommendation. BankBenchers is not liable for accuracy or completeness of information from third parties. Interactions with third parties are at your own risk.
KNOW YOUR CUSTOMER (KYC) COMPLIANCE
For financial transactions, EKCC and its partners may collect mandatory KYC information as required by law. Enhanced due diligence may be carried out under applicable PMLA rules.
COLLECTION AND USE OF INFORMATION
By submitting data, you agree that you are responsible for the content. BankBenchers may use, copy, distribute, and create derivative works from such content in connection with Services.
SECURITY OF INFORMATION
We take reasonable steps to safeguard your information. However, complete security over the internet cannot be guaranteed.
DISCLAIMER OF WARRANTY
Services are provided 'as is' and 'as available'. BankBenchers disclaims all warranties, express or implied, including merchantability, fitness, or accuracy.
LIMITATION OF LIABILITY
BankBenchers shall not be liable for any damages, losses, or delays resulting from use of Services, including indirect or consequential damages.
INDEMNITY
You agree to indemnify and hold harmless BankBenchers, its officers, directors, employees, and affiliates from any claims or liabilities arising from your use of Services.
WAIVER
Failure to enforce any provision of these Terms shall not constitute a waiver of rights. Any waiver must be in writing and signed by an authorized officer.
FORCE MAJEURE
BankBenchers shall not be liable for delay or failure in performance caused by events beyond its reasonable control, including natural disasters, strikes, war, terrorism, or government regulations.
All data collected, processed, or generated through the EKCC platform, including loan applications, farmer information, and related records, shall remain the sole property of NABARD. BankBenchers acts only as a technology facilitator and does not claim any ownership rights over such data. NABARD reserves full rights to manage, store, and utilize this data in accordance with applicable laws and policies.
DATA OWNERSHIP
All data collected, processed, or generated through the EKCC platform which is deployed under NABARD’s infrastructure — including farmer information, loan applications, supporting documents, and related records — shall remain the sole property of NABARD. sole property of NABARD
BankBenchers acts only as a technology partner and does not claim any ownership or control over such data. NABARD reserves the exclusive right to manage, store, process, and utilize this data in accordance with applicable laws, regulations, and internal policies.
Farmer's personal and financial information will be used strictly for the purposes of loan origination, credit facilitation, compliance with KYC/AML regulations, and as otherwise permitted under law.
GOVERNING LAW AND JURISDICTION
These terms are governed by Indian law. Any disputes shall be subject to the exclusive jurisdiction of the courts in Vadodara, Gujarat, India.
