1. General DisclaimerAll information provided hereunder is taken from reliable sources. In case of any doubt, please refer to the original instructions.

While SBIPACHD (https://sbipachd.org) strives to ensure that all information is accurate and up to date, no warranty, express or implied, is given regarding the accuracy, completeness, or reliability of any information published on this Website. Any reliance you place on such information is strictly at your own risk.

2. Use of InformationInformation provided on this Website is intended solely for the personal use of members. The contents of the information, or any part thereof, shall not be used for commercial or legal purposes in any manner whatsoever. Unauthorized reproduction, distribution, or commercial use of the content is strictly prohibited.

3. No Professional AdviceThe materials on this Website are for general informational purposes only and do not constitute professional, legal, financial, or other advice. Users are advised to verify details independently and consult appropriate professionals before acting upon any information provided here.

4. External Links / Third-Party ContentThis Website may contain links to third-party websites or embedded content (such as maps, fonts, or media). These are provided for convenience and informational purposes only. SBIPA Chandigarh does not control or endorse these sites and is not responsible for their content, availability, or accuracy. Visiting such links is at your own discretion and risk.

5. Limitation of LiabilityUnder no circumstances shall SBIPA Chandigarh, its officers, employees, or representatives be liable for any loss or damage (direct, indirect, incidental, or consequential) arising from your use of this Website, inability to access it, or reliance on any information contained herein.

6. IndemnificationYou agree to indemnify and hold harmless SBIPA Chandigarh, its members, officers, and employees from any claims, damages, or expenses arising from your misuse of this Website or violation of these terms.

7. Changes to This Disclaimer / TermsWe reserve the right to update or modify this Disclaimer / Terms of Use at any time without prior notice. Any changes will be reflected on this page with an updated “Effective Date.” Continued use of the Website constitutes acceptance of any such modifications.

8. Governing Law & JurisdictionThese terms are governed by the laws of India. Any disputes related to this Website shall fall under the exclusive jurisdiction of the courts in Chandigarh, India.

9. Contact UsIf you have any questions about this Privacy Policy or how we handle your data, please contact us at: