Terms and Conditions
Last Updated: 05/02/2026
1. Introduction Welcome to the website of Parakkadave Agriculturist Welfare Co-operative Society Ltd (PAWCS Ltd), accessible at https://pawcsltd.com. This website is owned and operated by Parakkadave Agriculturist Welfare Co-operative Society Ltd No: C 1795 (hereinafter referred to as "PAWCS Ltd," "we," "us," or "our").
By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please discontinue use of our website immediately. We reserve the right to modify, alter, or update these terms at any time without prior notice. Your continued use of the site following any changes constitutes your acceptance of the revised terms.
2. Eligibility Use of this website is available only to persons who can form legally binding contracts under the Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872, including minors (under the age of 18 years), un-discharged insolvents, etc., are not eligible to use this website.
PAWCS Ltd reserves the right to terminate your membership and/or refuse to provide you with access to the website if it is brought to our notice or if it is discovered that you are under the age of 18 years.
3. Account & Registration Obligations While you may browse the site without registering, certain services or inquiries may require you to provide personal information. If you use the website, you are responsible for maintaining the confidentiality of your account and password (if applicable) and for restricting access to your computer/device. You agree to accept responsibility for all activities that occur under your account or password. You agree to provide true, accurate, current, and complete information about yourself as prompted by the website's forms (e.g., loan inquiries, contact forms). 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, we have the right to suspend or terminate your access.
4. Electronic Communications When you visit pawcsltd.com or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email, SMS, or by posting notices on this site. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
5. Services and Product Information PAWCS Ltd strives to provide accurate information regarding our financial products, including:
Loans: Agricultural Gold Loan, Gold Loan, Group Deposit Loan, Kudumbasree Loan, Personal Loan.
Deposits: Fixed Deposits, Daily Deposits, Current Accounts.
However, all information displayed on this website constitutes an invitation to treat and not a binding offer. Interest rates, loan eligibility criteria, and deposit terms are subject to change without prior notice based on management decisions and regulatory guidelines. We reserve the right to modify or discontinue any service at any time.
6. Accuracy of Content While PAWCS Ltd strives to provide accurate product and pricing information, typographical errors may occur. In the event that a service or product is listed at an incorrect rate or with incorrect information due to an error in pricing or product information, PAWCS Ltd shall have the right, at our sole discretion, to modify the terms or refuse or cancel any requests placed for that product/service, unless the service has already been formally contracted in writing.
7. Reviews, Feedback, and Submissions All reviews, comments, feedback, suggestions, ideas, and other submissions disclosed, submitted, or offered to PAWCS Ltd on or by this site (collectively, the "Comments") shall be and remain our property. Such disclosure, submission, or offer of any Comments shall constitute an assignment to PAWCS Ltd of all worldwide rights, titles, and interests in all copyrights and other intellectual properties in the Comments. We are under no obligation:
To maintain any Comments in confidence.
To pay you any compensation for any Comments.
To respond to any Comments.
You agree that any Comments submitted by you to the site will not violate this policy or any right of any third party, including copyright, trademark, privacy, or other personal or proprietary right(s), and will not cause injury to any person or entity.
8. Intellectual Property Rights All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of PAWCS Ltd or its content suppliers and is protected by Indian and international copyright laws.
9. Links to Third-Party Sites Our website may contain links to other websites (e.g., regulatory bodies, partners). These links are provided for your convenience only. PAWCS Ltd has no control over the content of these linked sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.
10. Limitation of Liability PAWCS Ltd shall not be liable for any special, incidental, indirect, or consequential damages of any kind in connection with these terms of use, even if the user has been informed in advance of the possibility of such damages.
11. Governing Law and Jurisdiction This User Agreement shall be construed in accordance with the applicable laws of India. The Courts at Kannur, Kerala shall have exclusive jurisdiction in any proceedings arising out of this agreement.
12. Contact Information If you have any questions about these Terms and Conditions, please contact us at:
Parakkadave Agriculturist Welfare Co-operative Society Ltd
Head Office & Main Branch, Parakkadave Anchampeedika (PO),
Kannur - 670331, Kerala
Phone: 04972 082211, 082233
Mobile: +91 94974 11111 / +91 94974 22222
Email: info@pawcsltd.com