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Terms & Condition's


SANGA AANI KAMAVA Terms & Conditions
This document is an electronic record in terms of Information Technology Act, 2000, amendments thereof from time to time and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
Please read the terms and conditions carefully before registering, accessing or using the Services (defined below). The terms and conditions is a legal contract ("Agreement") between You and SANGA AANI KAMAVA by S Amarsinh News Network and Infinserv® (Registered Proprietary Firm)  & Shree Aai Ambabai Financial Ladder® (Brand Name SAAFL)(Registered Proprietary Firm) both are Private firms (“SANGA AANI KAMAVA”) having its registered office at, Owner Amarsinh S Jagdale Sarkar, Jagdale Estate, Shahunagar Bastavade, Tahsil Kagal, District Kolhapur - 416235, India.
You agree and acknowledge that you have read the terms and conditions set forth below. If you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may not use the Services and/or immediately terminate the Services.
USING SANGA AANI KAMAVA APP INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING. By impliedly or expressly accepting these Terms of Use, You also accept and agree to be bound by SANGA AANI KAMAVA Policies (including but not limited to Privacy Policy) available on the SANGA AANI KAMAVA website www.sanagaaanikamava.blogspot.com    or www.sangaaanikamava.finance.blog or  www.abnnitv.com/earnwithus  as amended from time to time.
SAAFL Refer & Earn Program is called  SANGA AANI KAMAVA  hereinafter SANGA AANI KAMAVA only
Definitions  : - “SANGA” is Marathi word, means TELL
      “AANI” is Marathi word, means AND
     “KAMAVA” is Marathi word, means EARN (hereinafter tell & earn; refer & earn; collectively SANGA AANI KAMAVA)
“SANGA AANI KAMAVA” is purely Refer and Earn concept which facilitates generates leads and acts as such by creating, hosting, maintaining and providing Services to you via the Internet/online. SANGA AANI KAMAVA provides its Services to customers through 'SANGA AANI KAMAVA' mobile application (“SANGA AANI KAMAVA App”), which acts as a container for various paid or unpaid business or social services (described in service list) depends on geographically service area, stock, man power and avail resources.
Refer and Earn has always been a rewarding concept. Keeping this in mind, we have created our very own “SANGA AANI KAMAVA" program where any person can win tons of cash, perks & prizes.
All you have to do is refer any of your friends/family/colleague/or any known person that might need any kind of a loan, TAX service, Goods or other services described in service list. 
For giving us this information, you help that person get a loan or complete his need. After that person gets a loan or complete his need, you will get an amazing referral prize.
By using the Services, you acknowledge and agree that SANGA AANI KAMAVA is not a bank and the Services should in no way be construed as the provision of banking services.
SANGA AANI KAMAVA offers its services in compliance with local laws and regulations.
Debit/Credit Cards:
You can make merchant payments, recharge/bill payments and other In-App category purchases using Debit/Credit cards. We have partnered with PayPal Payment gateway, which follow the standard regulations and safety standards to enable this solution.
Registration
In order to tell & earn, & use the full spectrum of SANGA AANI KAMAVA Services, You need to register on the SANGA AANI KAMAVA App and provide Us with accurate and complete information. You are also required to keep your accounts and contact information complete and updated at all times. Any account found to contain incorrect and/or outdated information will be suspended.
Contact information
Mobile Number
Upon downloading the SANGA AANI KAMAVA App, You have to necessarily allow permission to SANGA AANI KAMAVA to send an SMS from Your smartphone to SANGA AANI KAMAVA’s Virtual mobile number, which allows SANGA AANI KAMAVA to verify Your mobile number and register Your device details against Your SANGA AANI KAMAVA account. This is a mandatory security step, and You accept that SANGA AANI KAMAVA has the sole right to not allow you to use Your SANGA AANI KAMAVA app without the completion of this step.
It is Your responsibility to provide Your correct mobile number so that We can communicate with You via SMS. You understand and agree that if We send you an SMS  but You do not receive it because Your mobile number on file is incorrect or out of date, blocked by your service provider, or you are otherwise unable to receive SMS, We shall be deemed to have provided the communication to You effectively. Please note that if You use a spam filter that blocks or re-routes SMSes from senders not listed in Your contacts, you must ensure that SANGA AANI KAMAVA SMSes are marked as trusted as 'not-spam', so that you will be able to view the Communications we send to you.
Email Address
It is Your responsibility to keep Your primary email address up to date so that We can communicate with You electronically. You understand and agree that if We send you an electronic communication but You do not receive it because Your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, We shall be deemed to have provided the communication to You effectively. Please note that if You use a spam filter that blocks or re-routes emails from senders not listed in Your email address book, you must add SANGA AANI KAMAVA to your email address book so that you will be able to view the Communications we send to you.
You can update your primary email address at any time by logging into the SANGA AANI KAMAVA App. If Your email address becomes invalid such that electronic communications sent to you by Us is returned, We may deem your account to be inactive, and You will not be able to transact any activity using your SANGA AANI KAMAVA Account until We receive a valid, working primary email address from you.
Device Information
The device (smartphone) on which You download SANGA AANI KAMAVA App and use during registration, shall become Your registered device and it's details shall be stored by us. The moment You log into your SANGA AANI KAMAVA account from a different device using the SANGA AANI KAMAVA app, You will be asked to allow SANGA AANI KAMAVA to send an SMS from the new device, after which the new device becomes the registered device.
 Any Other information
We may ask for and store additional information to either extend more Services or even as additional requirement for continuing the existing Services or sub-services.
Privacy
We collect, hold, use and transfer Your personal data in accordance with Our Privacy Policy. By agreeing to the Terms of Service, You hereby agree to Our Privacy Policy, which may be updated by Us from time to time. You understand and agree that, to the extent permitted by applicable law, any data provided by You in connection with the Services may be shared with Our affiliates or partners. Please refer to the link below for detailed terms and conditions on Our Privacy Policy.
User Responsibilities
Beneficial Owner
You must be the beneficial owner of the Account, and conduct business only on behalf of yourself.
Username and Password
You must be the beneficial owner of the Account, and conduct business only on behalf of yourself.
A set of username and password is unique to Your use of the Service and You shall not share, assign or permit the use of Your username and password to any other persons. You acknowledge that sharing of Your username and password with other persons (collectively, "multiple use") may cause irreparable harm to SANGA AANI KAMAVA. You shall indemnify SANGA AANI KAMAVA against any loss or damage suffered by SANGA AANI KAMAVA as a result of such multiple use. You undertake to notify SANGA AANI KAMAVA immediately of any unauthorized use of your username or password or any other breach of security. You agree that SANGA AANI KAMAVA shall not be liable for any loss or damage arising from your failure to comply with this section.
You shall be solely responsible for:
maintaining the confidentiality of Your SANGA AANI KAMAVA username and password
maintaining the confidentiality of Your Bank account BHIM UPI PIN and OTP messages
maintaining the confidentiality of any credentials or/and information using which, one can impersonate you
all transactions and activities that occur under your username and password
all consequences of use or misuse of your username and password
never sharing any of the above credentials with anyone including anyone claiming-from bank, on from SANGA AANI KAMAVA etc.
If you are a business entity, you agree that all officers, employees, agents, representatives and others having access to the username and/or password have been duly authorized by you to use the Services on your behalf and to legally bind you. You shall be responsible for all actions by current and former officers, employees, agents, representatives and others, regardless of whether authorized by you, that access the Services using the business' user name and password.
You must be the beneficial owner of the Account, and conduct business only on behalf of yourself.
Account User Obligations
You must ensure the availability of sufficient funds before executing any transaction from your Account.
If you have submitted KYC documents to us, you shall intimate us about change in your address, if any, in writing along with such proof of address as per the KYC documents.
Your SANGA AANI KAMAVA account might be a trusted instrument with certain merchants after validating your identity, in such cases misuse of account because of auto-authentication on same device because of lost/theft/misuse of device or information will be solely User's responsibility.
KYC
"KYC" stands for Know your Customer and refers to the various norms, rules, laws and statutes issued by RBI from time to time under which SANGA AANI KAMAVA is required to procure personal identification details from You before any Services can be delivered. Know your Customer (KYC) documents may be asked for by the Merchant (on behalf of SANGA AANI KAMAVA) from You at the time of activation and/ or on a later date, for availing and / or continuation of Services. SANGA AANI KAMAVA/Merchant shall not be responsible for wrong details being entered by the User.
In the event the beneficiary/KYC details provided are found to be incorrect/ insufficient, SANGA AANI KAMAVA retains the right to block Your SANGA AANI KAMAVA account. SANGA AANI KAMAVA retains the right to share the details of the transaction undertaken using the SANGA AANI KAMAVA Account and the end beneficiary/ KYC details with RBI, as per statutory guidelines issued from time to time.
You are solely responsible for linking Your correct bank account.
Since Your mobile number is treated as the primary identifier, Your mobile number needs to be updated with the bank linked to SANGA AANI KAMAVA App in case of any changes.
If You change the mobile number registered with Your SANGA AANI KAMAVA Account, You will have to re-register your new mobile number with SANGA AANI KAMAVA. To re-enable the Service, you need to register your new mobile number with your bank as well.
You agree that if You provide any information that is untrue, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the Terms of Use, We shall have the right to indefinitely suspend or terminate or block access to Your Account.
We shall not ensure that all your confidential data pertaining to your money transactions, bank account details, and all other sensitive personal information are protected and kept confidential by employing best available protection standards.
You are solely responsible to keep Your OTP, BHIM UPI PIN and bank account related details confidential. Sharing such information with others may lead to unauthorized usage, for which SANGA AANI KAMAVA shall not be responsible.
Transactions through SANGA AANI KAMAVA account
SANGA AANI KAMAVA account can be used for to purchase products and services online or offline on any Merchant platform.
Charges
Membership is primary free & paid for Users. SANGA AANI KAMAVA primary does not charge its Users any fee for creating an Account or use of Services. SANGA AANI KAMAVA reserves the right to change its fee policy from time to time. In particular, SANGA AANI KAMAVA may at its sole discretion introduce new services and modify some or all of the existing services offered on the website. In such an event, We reserve the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to the fee policy shall be posted on the website/app and such changes shall automatically become effective immediately after they are posted. Unless otherwise stated, all fees shall be quoted in Indian Rupees.
Note: Payment made by PayPal payment gateway is subject to charge 3% service charges extra*
Primary Registrations Plan - Annexure 1
Primary Registrations Plan with capping limit & membership fees as per following;
Sr. No.
Plan Name
Registration Fee D
Earning CAP D
1
Primary Free
NA
0.50 – 99
2
Baby
100 +3%
1 -210
3
Student
500 +3%
10-1050
4
Teenage
1100 +3%
10-2500
5
Young
2500 +3%
20-5500
6
Adult 1
3000 +3%
20-6200
7
Adult 2
5550 +3%
20-12600

Secondary Registrations Plan - Annexure 2
Secondary Registrations Plan with capping limit & membership fees as per following;
Sr. No.
Plan Name
Registration Fee D
Earning CAPD
Perk
1
PRE
11000 +3%
23510.00
ADB
2
Sr. PRE
25000 +3%
53500.00
ADB
3
PRO
50000 +3%
110000.00
ADB
4
Sr. PRO
75000 +3%
165000.00
ADB
5
Asst. PRM
100010
225000.00
ADB
6
PRM
250000
550000.00
ADB
7
Sr. PRM
500000
1100000.00
ADB

Higher Secondary Registrations Plan - Annexure 3
Higher  Secondary Registrations Plan with capping limit & membership fees as per following;
Sr. No.
Plan Name
Registration Fee D
Earning CAPD
Perk
1
Asst. RM
 1100000 +3%
         2,300,510
ADB
2
RM
 2500000 +3%
         5,300,500
ADB
3
Sr. RM
 5000000 +3%
       11,000,000
ADB
4
Asst. ZM
 7500000 +3%
       16,500,000
ADB
5
ZM
10000010
       22,500,000
ADB
6
Sr. ZM
25000000
       55,000,000
ADB
7
Asst. Director
50000000
    110,000,000
ADB

Your bank may charge you a nominal transaction fee for PAYPAL PG transfers- please check with your bank for any such charges.
To facilitate the aforesaid, SANGA AANI KAMAVA provides the facility for doorstep collection of documents through its authorized agents. you consent to the sharing of your relevant information with SANGA AANI KAMAVA’s agents to facilitate the doorstep KYC process. You also consent to agents of SANGA AANI KAMAVA visiting your pre-registered address or other address you may designate from time to time. However, SANGA AANI KAMAVA disclaims all warranties as regards the quality or promptness of service delivery of these agents. The doorstep KYC facility may be subject to a service fee which will be communicated to you when you book a slot for our agent visit on the SANGA AANI KAMAVA Application.
KYC documents that SANGA AANI KAMAVA receives from you either directly or its agents does not guarantee your continued use or complete your loan/purchase of goods or service of your Account. However, you represent and warrant to SANGA AANI KAMAVA that the documents you submit and other information you share in connection with the KYC compliance process are true, updated, genuine and correct and you agree to keep SANGA AANI KAMAVA indemnified and harmless from all loss arising from third party claims including claims from government authorities in connection with the same.
You also acknowledge that the KYC documents submitted to SANGA AANI KAMAVA will be valid for any financial products or services offered by SANGA AANI KAMAVA, its subsidiaries, affiliates or its partners, whenever You opt to use these product and service offerings of Our affiliates and partners. You shall have the option to explicitly consent to SANGA AANI KAMAVA sharing your KYC information with any partners or affiliates/ subsidiaries of SANGA AANI KAMAVA in the event you opt to avail of service/ product offerings of our affiliates/ partners and once you have consented, these third parties shall be authorized to use such information purposes connected to their service/ product offerings which you have expressly consented to avail.
Confidentiality: We shall not ensure that all your confidential data pertaining to money transactions, bank account details and all other sensitive personal information are protected and kept confidential by employing the best available protection standards elaborated in our Privacy Policy.
Discount/gift voucher can be used for recharges, bill payments and payments on SANGA AANI KAMAVA partner platforms/stores.
Discount/gift voucher cannot be withdrawn to any linked bank account or transferred to other customers.
A user can earn up to maximum capping amount as per Annexure 1,2,3 in a financial year (i.e. 1 April to 31 March) across all offers disbursed on SANGA AANI KAMAVA.
You will continue to receive the promotional cashback received as Gift Voucher and such cashback amounts can only be used for merchant transactions on the SANGA AANI KAMAVA App.
Your Account & related information will be reported to the RBI & governments org. if they requested us.
Prohibited Uses of Account:
Without prejudice to the other restrictions and limitations contained above, you shall not under any circumstances: -
use the Account to defraud SANGA AANI KAMAVA, our affiliates or other members or users, or engage in other unlawful activities (including without limitation dealing in products or services prohibited by law);
impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another person’s digital signatures or perform any other fraudulent activity.
post or transmit any message, image or data which is pornographic in nature.
purchase anything (products or services) using fraudulent funds
use the account balances in a manner that may result in complaints, disputes, imposition of fines, penalties, chargebacks or any other liability to SANGA AANI KAMAVA; or
use the account for money laundering, tax evasion or any other illegal activities.
Your Responsibilities: In connection with your use of the SANGA AANI KAMAVA account, it shall be your responsibility to adhere to the following:
Promptly inform SANGA AANI KAMAVA of any unauthorized usage of your account  or loss of mobile device and any other circumstances which may lead to unauthorized usage of your account. The responsibility of any transaction prior to intimation, will solely be on the registered User;
that when you acquire goods or any other services from a Merchant and pay the Merchant , you understand that we are not a party to the contract between you and the Merchant. SANGA AANI KAMAVA does not endorse any advertiser or Merchant linked to its website or app. Furthermore, SANGA AANI KAMAVA is under no obligation to monitor the Merchant's service used by you; the Merchant alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant must be directly resolved by you with the Merchant. It is clarified that SANGA AANI KAMAVA shall not be responsible or liable for any deficiency in goods and/or services purchased using SANGA AANI KAMAVA account. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.
In case any amount is transferred erroneously by You to any Merchant or any other person, SANGA AANI KAMAVA shall not be liable to refund such amount to You under any circumstances.
Any web-link on the website to a third-party site is not an endorsement of that web-link. By using or browsing any such other web-link, you shall be subject to the terms and conditions in each such web-link.
SANGA AANI KAMAVA shall send all customer communications by SMS and/or email and they shall be deemed to have been received by You after they have been submitted for delivery to the SMS/email service providers.
agree to receive all commercial message including transactional messages from SANGA AANI KAMAVA/ Merchant.
To use the account in good faith and in compliance with all applicable laws and regulations.
be solely responsible for payment of any taxes, duties or other governmental levies or any financial charges that may be imposed on any products or services purchased or supplied by a Merchant or otherwise arising from online transactions.
Anti- Money Laundering:
SANGA AANI KAMAVA strongly condemns and prohibits money laundering and any activity that facilitates money laundering or financing of terrorist or criminal activities. At SANGA AANI KAMAVA the directors, officers, employees and any other individuals or organisations associated with SANGA AANI KAMAVA are supposed to adhere to the applicable law.
Unauthorised Transactions and Redressal:
An unauthorized transaction occurs when a payment is made from your account that you did not authorize. For example, if someone makes a transaction from your account using a stolen password, an unauthorized transaction has occurred. If you provide access to your account to a third party (by disclosing your login information or any other information) and they conduct transactions without your knowledge or permission, you are responsible for any resultant use.
The liability of any misuse is solely Yours, until you report the issue to SANGA AANI KAMAVA.
In the event of an unauthorized transaction in your account, you should immediately notify SANGA AANI KAMAVA if you believe:
there has been an Unauthorized Transaction or unauthorized access to your account;
your device with the SANGA AANI KAMAVA App has been lost, stolen or deactivated;
For unauthorized transactions or errors in your Account, notify us by Calling on 954547 7 565 or by sending an email to infosafl2@gmail.com
No Refunds:
All payments made through SANGA AANI KAMAVA for Online PAN Application, Mobile/ DTH recharge, bill pay, P2P transfers shall be final. Such transactions cannot be refunded, returned or cancelled once initiated.
User Errors:
If you erroneously send a payment to the wrong party or send a payment for the wrong amount (for instance a typographical error at your end) your only recourse will be to contact the party to whom you have sent the payment and ask them to refund the amount. SANGA AANI KAMAVA will not reimburse you or reverse a payment that you have erroneously made.
Rewards(Cashback) Limit
If you are entitled for cashback, you agree to receiving the same as a gift voucher.
The gift vouchers will be valid for only time mentioned in this vouchers and is subject to a maximum limit of Rs.10,000 per gift voucher. SANGA AANI KAMAVA reserves the right to extend the validity period of your vouchers at its discretion.
SANGA AANI KAMAVA reserves the right to impose additional amount limits within the overall applicable limit.
SANGA AANI KAMAVA reserves the right to award offers and related benefits as per internal policy decided by SANGA AANI KAMAVA from time to time.
Terms and conditions
SAAFL "SANGA AANI KAMAVA" is open to all existing Clients that are residents of India (except Non-Resident Indian Clients).
The Client who refers a prospective client/s to the Bank is hereinafter referred to as Referrer and such prospective client/s is referred as Referrals.
Under "SANGA AANI KAMAVA", a person/client can refer any person (except own spouse, siblings, children, parents and/or any person not resident in India) who wishes to avail of a LISTED SERVICES.
"SANGA AANI KAMAVA" is not applicable for the Referrals received from the employees of SAAFL and its subsidiary/Group companies. This program is also not applicable for employees of SAAFL received as referrals. SAAFL employee's family members (spouse, children, mother, father, etc) will also not be considered as a referral under this program.
If a Referral is received with respect to an application that is already under process with any Bank before such referral reference has been received, such referral will not be eligible for SAAFL "SANGA AANI KAMAVA".
If more than one Referrer recommends the same prospective client, the first one to make the Referral will be entitled to the Reward. In the event of a dispute, the decision of SAAFL will be final and binding.
There is no limit on the number of Referrals that a Referrer can make under SAAFL "SANGA AANI KAMAVA".
All LISTED SERVICES are at the sole and absolute discretion of SAAFL , partner merchants, service providers,  NBFC & Bank.
SAAFL reserves the right, at any time to modify / amend/ withdraw, wholly or in part, any of the terms and conditions of this Program without prior notice and without assigning any reason thereof and the same shall be binding on the Referrer at all times.
For making a successful referral, a Referrer is required to use the online referral form and incorporate the details of the Referral as required in the Referral Form.
These terms and conditions shall be governed by the Indian Laws. All disputes arising under this Program shall be subject to the exclusive jurisdiction of courts at Kagal (District Kolhapur, State Maharashtra) only.
Here is the list of service for your reference : https://sangaaanikamava.finance.blog/services/
Terms and Conditions for the Reward
Under SAAFL "SANGA AANI KAMAVA", upon a successful completed service or disbursal of a Loan by the Bank to a Referral, the Referrer will be eligible for a Reward (basis of the slabs mentioned here below).
The Loan is required to be disbursed within three (3) months from the date of reception of the online Referral for the Referrer to be eligible for the Gift/Reward.
In case of successful disbursal for under construction mortgage loans, SAAFL will calculate the Reward based upon the amount of actual disbursals done.
The Reward will be credited within three (3) months of disbursal of a Loan.
Any tax (Service tax, income tax etc) implications arising out of or on receipt of the Reward to be borne by the Referrer.
On successful disbursal of a Loan to a Referral, the Referrer is required to provide their residential address along with their savings bank account details for the gift to be sent to them. No gift would be sent by SAAFL without all details being sent in advance.
The Referrer will be responsible for the accuracy of the information provided to SAAFL.
The Referrer is required to provide the "acceptance" to the Reward and submit the required details for the Invoice within 1 month of SAAFL communicating about the successful Referral.
SAAFL will not process any Reward without the required Permanent Account Number details of the Referrer.
All Rewards are subject to the completeness and authenticity of information provided in the Referral Form by the Referrer.
In the event it is found that the Referrer has violated any of these terms and conditions of the SAAFL "SANGA AANI KAMAVA", and/or engaged in any illegal or wrongful acts under applicable laws and regulations for generating successful disbursal, then SAAFL shall be at liberty to initiate such action as it may deem fit.
Additional Undertakings from the Referrer
The Referrer undertakes that he/she has obtained the consent to refer and share the Referral's contact details with SAAFL under this "SANGA AANI KAMAVA".
The Referrer undertakes that he/she shall not refer any person/s that is not known to him/her.
The Referrer understands and agrees that SAAFL will contact the Referral under "SANGA AANI KAMAVA". This will override any "Do Not Disturb" (DND) registry or National Client Preference Register (NCPR) that the Referral may have registered for.
By participating in "SANGA AANI KAMAVA", the Referrer represents that he/she is authorized and competent to refer the Referral to SAAFL under this program.
SANAGA AANI KAMAVA©2019

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