TERMS AND CONDITIONS

Please read all of the following terms and conditions ("T&C") for www.smarterwithmoney.in ("the/this site") before using this site. By continuing to access, link to, or use this site, or any information on this site, you signify your acceptance of the T&C. Religare Corporate Services Limited ("we","us" or "RCSL", which would mean to include its group companies, wherever applicable) reserves the right to amend, remove, or add to the T&C at any time. Such modifications shall be effective immediately. Accordingly, please continue to review the T&C whenever accessing, linking to, or using this site. Your access, link to, or use of the site, or information on this site, after the posting of modifications to the T&C will constitute your acceptance of the T&C, as modified. If, at any time, you do not wish to accept the T&C, you may not access, link to, or use the site. Any terms and conditions proposed by you which are in addition to or which conflict with the T&C are expressly rejected by us and shall be of no force or effect.

USER CONSENT

You represent that you have read and agree to be bound by the T&C.Further, you represent and warrant that: (i) you have the power and authority to enter into this agreement; and (ii) you are at least eighteen (18) years of age.

USE OF INFORMATION

We disclaim any obligation to update or correct or provide accuracy in information or content contained in any of the sections under this site, whether arising as a result of financial, business or any other developments. The information in any or all of the sections of this site is uploaded as on a particular date, which may not be the current date. Hence, this information may not be an accurate representation of the actual filings, press releases, earnings releases, financials, industry news, stock quotes, etc.

The information or materials on this site are not intended for use by persons located in, or resident in, countries that restrict the distribution of such information or materials. Nothing contained in this site should be regarded as an offer or solicitation to sell investments, insurance or make deposits in any country to any person.

We do not intend to provide professional advice through the information contained in this site. Please obtain appropriate professional advice when necessary.

RESTRICTIONS ON USE

You may not use this site for any illegal purpose or in any manner inconsistent with the T&C. You agree to use the information on this site solely for your own non-commercial use and benefit, and not for resale or other transfer or disposition to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute, or dispose of any information contained in this site in any manner that could compete with the business of RCSL or any of its group companies. You may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, upload to, create derivative works from, transmit, or in any way exploit any part of the information and/or the site, except that you may download material from the site and/or make a print copy for your own personal, non-commercial use, provided that you retain all copyright and other proprietary notices. You may not recirculate, redistribute or publish the analysis and presentation included in the site without RCSL's prior written consent. Modification of the site's content would be a violation of the copyrights and other proprietary rights of RCSL and/or its group companies. Additionally, you may not offer any part of the site for sale or distribute it over any other medium including but not limited to over-the-air television or radio broadcast, a computer network or hyperlink framing on the internet without the prior written consent of RCSL. The site and the information contained herein may not be used to construct a database of any kind. Nor may the information be stored (in its entirety or in any part) in databases for access by you or any third party or to distribute any database services containing all or part of the service. You may not use the site in any way to improve the quality of any data sold or contributed by you to any third party. Furthermore, you may not use any of the trademarks, trade names, service marks, copyrights, or logos of RCSL or its group companies in any manner which creates the impression that such items belong to or are associated with you or, except as otherwise provided herein, are used with RCSL's consent, and you acknowledge that you have no ownership rights in any of such items. You will not use the site or the information contained herein in unsolicited mailings or spam material. You will not use any trademarks, trade names, service marks, copyrights, or logos of RCSL or its group companies in unsolicited mailings or spam material. You will not spam or send unsolicited mailings to any person or entity using the site. You may use the "e-mail this article" function solely to inform others about an article on this site, and you shall immediately cease using this function with regard to recipients who have requested not to receive such information. When using the "e-mail this article" function, you shall: (i) not upload or send any message that is unlawful, libelous, slanderous, offensive, obscene, hateful, pornographic, violent, insulting, threatening, abusive, misleading, deceptive, or racially, ethnically, or otherwise objectionable; (ii) not upload or send any commercial, promotional, or solicitation information; and (iii) remain friendly and civil and treat all e-mail recipients with respect and sincerity.

You agree to comply with any other applicable T&C set forth on the site.

NO WARRANTIES

While care has been taken in preparing the information materials contained in this site, such information and materials are provided "as is" without warranty of any kind, either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a purpose or freedom from computer viruses is given in connection with such information and materials.

We do not represent or warrant that the site will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the site.

INTELLECTUAL PROPERTY

This site, including but not limited to text, content, photographs, video, audio and graphics, and goods, is protected by copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and laws of India. The site and all individual articles, columns and other elements making up the site are copyrighted works. You agree to abide by all applicable copyright and other laws, as well as any additional copyright notices or restrictions contained in the site. You acknowledge that the site has been developed, compiled, prepared, revised, selected, and arranged by RCSL, its group companies, its content providers and others (including certain other information sources) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort, and money and constitutes valuable intellectual property of RCSL, its group companies and such others. You agree to protect the proprietary rights of RCSL, its group companies and all others having rights in the site during and after the term of this agreement and to comply with all reasonable written requests made by RCSL or its group companies or content providers, to protect their and others' contractual, statutory, and common law rights in the site. You agree to notify us in writing promptly upon becoming aware of any unauthorized access or use of the site by any individual or entity or of any claim that the site infringes upon any copyright, trademark, or other contractual, statutory, or common law rights. All present and future rights in and to trade secrets, patents, copyrights, trademarks, service marks, know-how, and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to the site (the "Intellectual Property Rights") shall, as between you and us, at all times be and remain the sole and exclusive property of RCSL. All present and future rights in and title to the site (including the right to exploit the site and any portions of the site over any present or future technology) are reserved to us forour exclusive use. Except as specifically permitted by the T&C, you may not copy or make any use of the site or any portion thereof. Except as specifically permitted herein, you shall not use the Intellectual Property Rights or the site, or the names of any individual author in, or contributor to, the site, or any variations or derivatives thereof, for any purpose, without our prior written approval.

LICENSE

You acquire absolutely no rights or licenses in or to the site and information contained within the site other than the limited right to utilize the site in accordance with the T&C. Should you choose to download content from the site, you must do so in accordance with the T&C. Such download is licensed to you by RCSL, only for your own personal, non-commercial use in accordance with the T&C and does not transfer any other rights to you.

DISCLAIMER AND LIMITATION OF LIABILITY

  • You agree that your use of the site is at your sole risk and acknowledge that the site and anything contained herein, including, but not limited to, content, services, goods, or advertisements are provided "as is" and "as available," and that we or our group companies make no warranty of any kind, express or implied, as to the site, including, but not limited to, merchantability, non-infringement, title, or fitness for a particular purpose or use.
  • You acknowledge that the information and materials provided in this site may have been procured by us under license from third party licensors or content providers. You agree to comply with all requirements / restrictions specified by such third party licensors and content providers that have been intimated to you from time to time, in respect of the use of information and materials in this site. If there is any query / doubt over use of any part of the site, you shall consult us.
  • You agree that we and our group companies, agents, directors, officers, employees, representatives, successors, and assigns shall have no responsibility or liability for: (i) any injury or damages, whether caused by the negligence of RCSL and/or its group companies, its content providers, agents, directors, officers, employees, representatives, subsidiaries, successors, and assigns, or otherwise arising in connection with the site and shall not be liable for any lost profits, losses, punitive, incidental or consequential damages, or any claim against RCSL by any other party; or (ii) any fault, inaccuracy, omission, delay, or any other failure in the site caused by your computer equipment or arising from your use of the site on such equipment.
  • The content of other websites, services, goods, or advertisements that may be linked to this site is not maintained or controlled by us. We therefore are not responsible for the availability, content, or accuracy of other websites, services, or goods that may be linked to, or advertised on this site.

    RCSL (including its group companies) does not: (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, this site; (b) guarantee the accuracy, completeness, usefulness or adequacy of any other websites, services, goods, or advertisements that may be linked to this site; or (c) make any endorsement, express or implied, of any other websites, services, goods, or advertisements that may be linked to this site. RCSL is also not responsible for the reliability or continued availability of the telephone lines, wireless services, communications media, and equipment you use to access the site. You understand that we and/or third-party content providers to the site may choose at any time to inhibit or prohibit their content from being accessed under the T&C.

  • You acknowledge that: (i) the site is provided for information purposes only and is not intended for trading purposes; (ii) the site may include certain information taken from stock exchanges and other sources from around the world; (iii) RCSL does not guarantee the sequence, accuracy, completeness, or timeliness of the information contained in the site; (iv) the provision of certain parts of the site is subject to the terms and conditions of other agreements to which RCSL is a party; (v) none of the information contained on this site constitutes a solicitation, offer, opinion, or recommendation by RCSL or its group companies to buy or sell any security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment; and (vi) the information provided on this site is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation. Accordingly, anything to the contrary herein set forth notwithstanding, RCSL, its group companies. its content providers, agents, directors, officers, employees, representatives, successors, and assigns shall not, directly or indirectly, be liable, in any way, to you or any other person for any: (a) inaccuracies or errors in or omissions from the site including, but not limited to, quotes and financial data; (b) delays, errors, or interruptions in the transmission or delivery of the site; or (c) loss or damage arising therefrom or occasioned thereby, or by any reason of nonperformance.
  • You understand that the pure nature of the internet contains unedited materials some of which may be offensive. Your access to such materials is at their risk. We have no control over and accept no responsibility whatsoever for such materials.
  • This site may contain links to other web sites operated by third parties ("linked sites"). You acknowledge that, when you click on a link to visit a linked site, a frame may appear that contains our logo, advertisements and/or other content selected by us. You acknowledge that we and our sponsors neither endorse nor are affiliated with the linked site and are not responsible for any content of any linked site or any link contained in a link site, or any changes or updates to such sites. You also acknowledge that we provide these links to you only for your convenience.
  • You specifically agree that we shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through an our site. You specifically agree that we are not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another's rights, including intellectual property rights. You specifically agree that we are not responsible for any content sent using and/or included in our site by any third party.
  • We reserve the right to disclose any personal information about you or your use of this site, including its contents, without your prior permission if we have a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend our rights or property; (3) enforce the T&C; or (4) act to protect the interests of our users or others. Our performance of this agreement is subject to existing laws and legal process, and nothing contained in this T&C is in derogation of our right to comply with governmental, court and law enforcement requests or requirements relating to your use of this site.
  • We are not in any manner answerable, responsible or liable to any person or persons for any acts of omission or commission, errors, mistakes and/or violation, actual or perceived, by us, our group companies, our content providers, agents or any third party.
  • Under no circumstances, including but not limited to negligence, shall we, our group companies, content providers, agents, directors, officers, employees, representatives, successors, or assigns be liable to you for direct, indirect, incidental, consequential, special, punitive, or exemplary damages even if we have been advised specifically of the possibility of such damages, arising from use of or inability to use the site or any links or items on the site or any provision of the T&C, such as, but not limited to, loss of revenue or anticipated profits or lost business. In no event shall our (including our group companies') total liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing this site.

INDEMNIFICATION

You agree, at your own expense, to indemnify, defend and hold harmless RCSL, its group companies, its content providers, agents, directors, officers, employees, representatives, successors, and assigns from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable attorneys' fees and experts' fees, arising out of or in connection with the site, or any links on the site, including, but not limited to: (i) your use or someone using your computer's use of the site; (ii) use by someone using your account, if applicable;(iii) a violation of the T&C by you or anyone using your computer (or account, where applicable); (iv) a claim that any use of the site by you or someone using your computer (or account, where applicable) infringes any intellectual property right of any third party, or any right of privacy or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party; (v) any deletions, additions, insertions or alterations to, or any unauthorized use of, the site by you or someone using your computer (or account, where applicable); (vi) any misrepresentation or breach of representation or warranty made by you contained herein; or (vii) any breach of any covenant or agreement to be performed by you hereunder.

You agree to pay any and all costs, damages, and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action, or proceeding attributable to any such claim. RCSL (including its group companies) reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with RCSL(including its group companies) in asserting any available defense. You acknowledge and agree to pay RCSL's (including its group companies') reasonable attorneys' fees incurred in connection with any and all lawsuits brought against you by RCSL (including its group companies) under the T&C and any other terms and conditions on this site, including without limitation, lawsuits arising from your failure to indemnify RCSL (including its group companies) pursuant to the T&C.

TERMINATION

(a) You may terminate the T&C, with or without cause and at any time, by discontinuing your use of the site and destroying all materials obtained from the site that are in your possession. (b) You agree that, without notice, we may terminate the T&C, or suspend your access to the site, with or without cause at any time and effective immediately. The T&C will terminate immediately without notice from us if you, in our sole discretion, fail to comply with any provision of the T&C. (c) We shall not be liable to you or any third party for the termination or suspension of the site, or any claims related to the termination or suspension of the site. Upon termination of the T&C by you or us, you must discontinue your use of the site and destroy promptly all materials obtained from the site and any copies thereof.

GOVERNING LAW

The T&C shall be governed and construed in accordance with the laws of India, without giving effect to conflicts-of-law principles. You agree to submit to the exclusive jurisdiction of the courts of New Delhi with respect to any legal proceedings that may arise in connection with the site or from a dispute as to the interpretation or breach of the T&C.

MISCELLANEOUS

You accept that we have the right to change the content or technical specifications of any aspect of the site at any time in our sole discretion. You further accept that such changes may result in your being unable to access the site. Our failure to exercise or enforce any right or provision of the T&C shall not constitute a waiver of such right or provision. All such provisions which by their very nature should survive termination will survive and continue in full force and effect notwithstanding the termination or expiration of this agreement

HEADINGS

The section titles in the T&C are used solely for your convenience and RCSL's and have no legal or contractual significance.

SEVERABILITY

If any provision of the T&C is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of the T&C will remain in force.

ENTIRE AGREEMENT

The T&C and any other terms and conditions of this site, and its successor, constitute the entire agreement between you and us and govern your use of the site.

LINKING TO OR FRAMING THIS SITE, OR ANY PORTION THEREOF IS PROHIBITED, EXCEPT AS PROVIDED BELOW:

 

INTELLECTUAL PROPERTY

Linking to this site pursuant to the T&C, shallnot be construed as granting you the right to use RCSL or its group companies' marks, names or logos without our express written permission.

RESTRICTIONS ON LINKING TO THIS SITE

Without limiting other provisions contained in our T&C, you may include a link(s) on your website to this site's publicly accessible web pages (i.e., any web page which does not require a login and password and/or restrict access). You may not link to this site, any site containing an inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information that violates any applicable intellectual property, proprietary, privacy or publicity rights.

RESTRICTIONS ON FRAMING ACTIVITIES

We are concerned about the integrity of this site when it is accessed in a manner solely determined by third parties or viewed in a setting solely created by third parties. Specifically, we are concerned with activities such as bringing up or presenting content of this site within another site ("framing"). In this regard, without limiting the provisions contained in our T&C, you may not frame any web page from this site, except with our express written permission. Further, you may not archive, cache, or mirror any web page or portions of a web page from this site.

IMPORTANT: By accessing this site and any of its pages you are agreeing to the terms set out above.

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