We value your privacy and appreciate your trust in us. This Policy describes how we treat user information we collect on www.indiabonds.com, Mobile Application “IndiaBonds”, any other website(s), web-page(s) or any other application(s) made available to the Users from time to time (hereinafter collectively referred as “Platform”) by India Bond Private Limited (“the Company”) and other offline sources. This Privacy Policy applies to all the Users. By visiting and/or using our Platform, you agree to this Privacy Policy.

This Privacy Policy is published in compliance of the Information Technology Act, 2000; and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the "SPI Rules").

The information/ documents collected from Users (e.g. name, address, e-mail, contact numbers, bank and demat account details etc.) are used to identify User and to register User with Vendor(s) empanelled on this Platform and other participants to facilitate the execution of Transaction Services initiated using this Platform. 

The Company is committed to operate this Platform with the highest ethical standards and appropriate internal controls. Your privacy is important to us and maintaining your trust is paramount. This Privacy Policy explains how we collect, use, and disclose information about you. 

We may update this Privacy Policy from time to time. Subject to your rights at law, you agree to be bound by the prevailing terms of this Privacy Policy as updated from time to time. We encourage you to check the latest version of this Privacy Policy regularly.

By using this Platform and Services, you consent to the terms of our privacy policy (“Privacy Policy”) in addition to our Terms of Use. We encourage you to read this Privacy Policy regarding the collection, use, and disclosure of your information. If you are not comfortable with any of the terms or policies described in this Privacy Policy, you may choose to discontinue usage of our Platform. 

This Privacy Policy and your use of this Platform shall be governed in all respects by the laws of India.

1. Collection of Information

   Platform may collect the following two types of information:

   1. "Personal Information" which shall mean information which could reasonably be used to identify you personally, such as your name, email address, registration account details, physical address or other relevant personal details; and demographic information, such as gender, pin code or similar information. For the purpose of this policy, sensitive personal data or information has been considered as a part of Personal Information, which may include information such as password, financial information (details of bank/ demat account, debit card, or other permissible payment modes).
   2. "Non-Personal Information" which shall mean information that does not identify you or any other individual, and includes session, web beacons and usage data, log data and aggregate information. We use this information to inter-alia deliver our web pages to you upon request, to tailor our /Platform to the interests of our Users, to measure traffic within our Platform, to improve the Platform quality, functionality and interactivity etc.



You represent that the information or data you provide from time to time is and shall be correct, current and updated and you have all the rights, permissions and consents to provide such information or data. 

2. How we collect your information

   We collect personal information about Users through our website, mobile application and through social media sites such as Twitter and LinkedIn, which may include the following:

   1. Information that Users may provide when they enter information on our website, mobile application at the time of registration or in connection with use of our Services or when they visit our website and/or mobile application.
   2. Information that Users provide when they subscribe to email newsletters, press releases or other periodicals through our website and/or mobile application (such as name, email address, and investor type);
   3. Information that Users provide when they respond to a survey or marketing communication, such as their opinions about our services and information about themselves;
   4. Information that Users provide when posting content on social media sites;
   5. Information that Users provide in their social media bio;
   6. Information captured in our web logs such as device information (e.g. device brand and model, screen dimensions), unique identification numbers (e.g. IP address and device ID), and browser information (e.g. URL, browser type, pages visited, date/time of access);
   7. Information captured by cookies (refer to cookies policy forming part of terms of Use);
   8. Through any other mode with your implicit/ explicit consent.


3. Use of the Information

   We use and process, User’s information for a range of purposes, which may include the following:

   1. To provide and administer Services;
   2. To fulfil the service requests; 
   3. To deliver notices or alert relevant to use of Services;
   4. Processing quotation offers and managing the relationship inclusive of providing support and process, evaluate and respond to requests and inquiries, and capturing personal data of potential Users for future communications;
   5. To facilitate transactions;
   6. To check the identity and suitability of Users for certain products and services;
   7. To ensure the security and operation of our Information Technology environment;
   8. To use it for marketing and advertising measures (e.g. newsletters via e-mail, online advertising);
   9. To detect, prevent and investigate fraud;
   10. To display content based upon your interest
   11. Facilitate and improve the usage of Services; 
   12. To comply with Applicable Laws, rules and regulations;
   13. To comply with the legal process to respond to requests from public, regulatory or government authorities;
   14. To perform activities such as data analysis, audits, usage trends to determine the effectiveness of our campaigns and as input into improving products and services and enhancing our Portal/ Application;
   15. To share data with third party service provider/clearing corporations/ Vendors empanelled on the Platform, facilitating agencies etc. for fulfilment of Transaction Service(s). 
   16. With other entities to bring you co-branded services, products or programs.
   
   

   The following paragraphs describe in more detail how we propose to use your information.

   1. Fulfilling your Transaction Request

      Any information/ document provided by a User will be used for setting up account/ completing registration process with us and processing your transaction or for any other purpose for which you have granted access to such information to us, based on our mutual agreement / discussions / communications / correspondences. All information provided by you on this Platform, which has been duly received and accepted by us will be used for the purpose of establishing the relationship with us/processing a transaction with Vendor empanelled with the Platform. To enable such process/ establishment of relationship, we may share information/ documents with authorised third-parties, for instance, counter party(ies), our business partners, clearing corporations, stock exchange(s), alliance partners, financial teams/institutions, group/ associate companies, third party utility/ service providers or postal/government authorities involved in fulfilment of said transactions, if any.  

      The Company will share your information with third-party vendors, service providers, facilitating agency(ies), vendors etc as necessary for the provision of Services.  

   2. Providing Support and Marketing:

      We may use your personal information to notify you about any upcoming product(s)/ services offered by/ through us (Platform) or to provide you with one or more Services available on this Platform.

      We may use third-party service providers to serve ads on our behalf across the internet and sometimes on this Portal. They may collect anonymous information about your visits to Portal, and your interaction with our products and services. They may also use information about your visits to this and other websites for targeted advertisements for goods and services. This anonymous information is collected using appropriate technology tools. No personally identifiable information is collected or used in this process.

4. Reasonable Security Practices for Protecting Information: 

   IndiaBonds uses commercially reasonable physical, managerial, and technical safeguards (to the extent applicable and permissible) to preserve the integrity and security of your personal information. However, we do not ensure or warrant the security of any information you transmit to us, and you do so at your own risk.  

   To protect your privacy and security, IndiaBonds takes reasonable steps (such as requesting OTP) to verify your identity before granting you access to your account. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from IndiaBonds, at all times.

5. Retention of Personal Data: 

   We may retain your Personal Data for as long as your registration is valid, required to provide you with Services or otherwise if required under any law or establishment, exercise or defence of legal claims. 

6. Social Media 

   The Company may maintain/ upload information on social media sites like Facebook, Instagram and Twitter. When you visit the social media properties/ account of the Company, we collect information about your activities on those properties. The information we review includes whether you visited or commented on a blog or provided a rating or made comment etc.  

7. Do Not Call Registry

   In furtherance to your usage of the Platform, you expressly waive the Do Not Call (DNC) / Do Not Disturb (DND) registrations on your phone/mobile numbers for contacting you. Hence, there is no DNC / DND check required for the number you have provided/ made available to the Company. Modes of contacting you/ communication may include sending SMSs, whatsapp, email alerts and / or telephonic calls etc.

   The User unconditionally authorizes the Company, its affiliates, Vendors, service providers, facilitating agency and their representatives to call, send email, SMS or communicate through Whatsapp about the Services and other updates/ offering from time to time.

8. CAP ON LIABILITY

   Notwithstanding anything to the contrary in this Policy or any other terms of services, the aggregate liability of the Company, its affiliates, service provider and Vendor(s) hereunder shall be limited to INR 1,000 only and shall not extend to any direct, indirect or remote damages whatsoever, including but not limited to special, incidental, consequential, or punitive damages or loss of profits.

9. Changes to Privacy Policy

   The Company reserves the right to change this policy from time to time. Any changes shall be effective immediately upon the posting of the revised Privacy Policy. We encourage you to regularly check this notice on our Platform for updates.

10. Grievance Officer:

    In case you have any grievances or want to address any discrepancy with respect to the processing of any of the information/data you provided to the Platform, please contact our Grievance Officer on grievance@indiabonds.com

This Document sets forth the terms and conditions that apply to the access and use of the Website www.indiabonds.com, Mobile Application, “IndiaBonds” and any other website(s), web-page, sub-portal or applications made available to the Users from time to time (hereinafter collectively referred as “Platform”) by India Bond Private Limited (CIN: U67100MH2008PTC178990), a company within the meaning of the Companies Act, 2013 having Registered Office at 605, 6th Floor, Windsor, off CST Road, Kalina, Santacruz - (East), Mumbai – 400098, (hereinafter referred to as "the Company").

This document is an electronic record in terms of Information Technology Act, 2000 and generated by a computer system and does not require any physical or digital signatures. This document is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011, that provides for the due diligence to be exercised for the access or usage of Platform.

These Terms of Use as provided herein, shall be legally binding on the User visiting this Platform.

1. DEFINITIONS AND INTERPRETATION

   The following capitalized terms shall have the following meanings:

   1. “Applicable Law(s)” means any laws, statutes, rules, regulations, orders, circulars, decrees, directives, judgments, decisions or other similar mandates of central, state or local governmental authority having competent jurisdiction in the territory of India; or laws application to the Party or subject matter in question.
   2. “Document” shall mean and include the “Terms of Use including Disclaimer and Disclosure statement,” “Privacy Policy”, as provided on this Platform. 
   3. Intellectual Property” / “Intellectual Property Rights” means all current and future copyright, patents, trademarks (whether or not registered) or any other rights in databases, computer program, source code, process inventions or trade secrets, know-how, rights in designs, topographies, trade and business names, domain names, logo and all other intellectual and property rights and applications for any of those rights (where such applications can be made) capable of protection under the Applicable Laws for the time being in force.
   4. “Services” shall mean Services of every description as available on the Platform for Users (including potential users).
   5. “Users” shall mean the person(s) accessing/ visiting/ using this Platform.
   6. “Vendor” shall mean the entities empanelled with the Company to display their products/ offerings and educative initiatives etc. on this Platform. 
   7. “Terms of Use” shall mean the terms and conditions set out herein regarding the use of the Platform.


2. Interpretations: 
   1. The use of terms “We”, “Our”, or “Us” in this Document refers to the Company along with its representatives and this Platform.
   2. The use of terms “You”, “Your”, “User” or “Visitor” in this Document refers to the Users accessing/visiting/using this Platform.
   3. “Comments” are all reviews, comments, feedback, postcards, suggestions, ideas, and other submissions disclosed, submitted or offered relating to our Services.
   4. Where the Platform may allow the User to initiate transactions in some or all of the financial instruments, it will be referred to as “Transaction Services”.


3. Representation of User:

   In consideration of your use of the Platform, you represent that you are of legal age to enter into binding contract and not debarred from entering capital/ securities market transactions under the Applicable Laws. 

   You agree that, to use the Services, you may be compelled to complete the registration process on the Platform by providing personal and financial information/documents. 

   If any portion of the Platform requires you to register and provides you with log-in credentials for future use, you are responsible for maintaining the confidentiality of the log in credentials. You agree to immediately notify Platform of any unauthorized use of your account or any breach of security and change your password(s) immediately. 

   Notwithstanding anything provided above, the Platform may rely on the authority of any person accessing your account, using your registrations/ log-in credentials and in no event and under no circumstances shall Platform be held liable for breach of confidentiality of your registration details or log-in credentials.

   In addition to the above, you also agree to provide true, accurate, current, and complete information about yourself as prompted on the Platform, as and when required. In an event of the User providing untrue, inaccurate, outdated or incomplete (or becomes untrue, inaccurate, not current or incomplete) information, we reserve the right to suspend or terminate your account and refuse any and/or all ongoing or future use of the Platform (or any portion thereof). We strongly recommend that you must exit from your account at the end of each session. 



4. Third Party Data/ Services/ Advertisements:
   1. User may note that certain data/documents and information as published/ made available on the Platform are sourced from various third parties, viz. Vendor(s) / service providers/ facilitating agent(s) etc (“Information Provider”).
   2. Information Provider disclaims any and all liability that may arise on account of use of the information/ documents so contributed/ shared by them on this Platform, directly and/or indirectly. 
   3. Although due care has been exercised to verify the accuracy of the information available on this Portal, the Company assumes no responsibility for accuracy, completeness or correctness of the data
   4. The Platform does not influence or solicit in any manner either the buyers for specific sellers or any security, financial instrument or bonds or vice versa. 
   5. The Company does not represent or endorse the accuracy or reliability of any of the advertisements (collectively), i.e., links, downloads, distributions or other information accessed directly or indirectly from host advertisements contained on this Platform nor the quality of any products, information or other materials displayed, purchased or obtained by any person, as a result of an advertisement or any other information or offer in connection with the service or products. The Company shall not be responsible for any errors or omissions contained in any advertisement published on this Platform. 


5. Use and Protection of Intellectual Property Rights

   You acknowledge that Company owns all legal right, title and interest including any intellectual property rights of the Platform (whether those rights are registered or not) including its "look and feel" (e.g. text, graphics, images, logos and button icons). The User has limited right to view and avail the Services of the Platform. Any unauthorized use by the User shall terminate the permission granted to view/ use the Platform and may make you (User) liable for damages/ losses.

   Visitors or Users may view, print copies and download the information for personal, non-commercial or educational purpose without in any way amending, altering, deleting or modifying any part of the information, and with due acknowledgement that the information originated from this Platform. Information may be used for commercial purpose after obtaining prior permission of the Company. Users must inform third party (with whom document/ information is shared) that material shall not be copied or reproduced in any way.

   The trademarks, logos, brand-names, service marks (“marks”) not owned by or on behalf of the Company and that are displayed on this Platform are the registered and unregistered marks of their respective owners. No rights are granted by Platform to use such marks, whether by implication, estoppel, or otherwise.



6. Representations and Warranties

   Any information or data available on the Platform may contain inaccuracies and/or typographical errors. The Company does not warrant that the Platform or functions thereof will be uninterrupted or free of any error or defect or that information on the Platform will satisfy any intended purpose or requirement of the User.

   The Company shall not be responsible for the delay or inability to use the Platform or related functionalities, the provision of or failure to provide functionalities, or for any information, software, functionalities. Further, the Company shall not be held responsible for non-availability of the Platform at any point in time for any reason whatsoever.

   The development of the Platform with respect to the nature of the information or data available on the Platform is a continuous and on-going process. The Company disclaims all liability and/or responsibility for loss of any information or data, or any consequence, intended or unintended, due to the operation of the Platform. Information or data available on the Platform may not be current or up to date for any purpose.

   We do not warrant that the functions contained, information and materials on the Platform, including, without limitation, any third-party sites or services linked to the Platform will be uninterrupted, timely or error-free, that the defects will be rectified, or that the Platform or the servers that make such content, information, and materials available are free of viruses or other harmful components.

   User acknowledges that the Company is not a qualified investment advisor and you should not construe any information provided on the Platform to constitute investment advice. You agree and understand that the Company is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor in any manner or form. The Company provides referral services for financial products, these products do not pertain to the Company. The information, calculations, assessments, reference to particular bond(s)/ fixed income security/ financial product(s) and estimation(s) reflected as a result of one or more search options as appearing on this Platform are result of automated process or results obtained through selection of one or more search options and are not in any-way construed as requests to engage in investment operations.



7. Beta Services

   The Company may from time to time make available to its Users, several Services which are in the beta. The Company will clearly highlight beta features in its Services to clearly differentiate them from the rest of the features. If you wish to use such beta Services, this Clause will govern the use of such beta Services.
   
   

   The Company grants Customer a non-exclusive, non-transferable right to use the beta Services for a period designated by the Company for the purpose of testing and evaluation of such beta Service by providing the Company with early feedback on the performance of beta Service, identification of any defects, reporting of any bugs, usability of beta Service, and ideas for improvement of beta Services.
   
   

   It is hereby clarified that the beta Services may contain bugs, errors, omissions, and other problems; and the Company will not provide any support and maintenance for its beta Services. The User hereby understands and accepts that any risk or damages arising out of the use or performance of beta Services will be User’s responsibility.

   
   The beta Services may not operate correctly and may be substantially modified prior to first commercial availability or may be withdrawn at any time. Although the Company will make best possible efforts to intimate users of beta Services about any modification or termination of the beta Services ahead of time, the Company reserves the right to modify or terminate the beta Services and your access to the beta Services for any reason, without notice, at any time, and without any liability to you. Once the beta Services are terminated, the Company will not be obliged to provide continued access to data collected during the testing period.



8. Entire Agreement: 

   The Terms of Use shall supersede all previous oral and written terms and conditions (if any) communicated to you by the Company and/or its representative(s). These Terms & Conditions and the Privacy Policy govern access to any part of the Platform. Your access to and/or use of this Platform shall be deemed to be an unconditional acceptance of the Terms and the Privacy Policy.

   The Terms & Conditions may be revised and/or amended at any time, without any intimation/notice to the Users. Your use (continued use) of the Platform signifies your acceptance of the Terms in force at the time of its utilization.

   Subject to the terms of Privacy Policy, any voluntary submissions of the information, documents, communication or contents by the User on the Platform shall be treated as non-confidential material for all purposes. You agree that any such submissions, if made by the User shall become the property of Company and that all rights, title and interest therein, including all rights of copyright, shall vest with the Company, as and when they are submitted and/or posted.



9. Explicit Prohibition and Restrictions

   You are prohibited from posting or transmitting to or from this Platform: 

   1. Any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate Applicable Law; 
   2. use of any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Platform, or any portion of the Platform.
   3. any material or content that infringes, misappropriates, or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Platform.


10. Use for Reports and Materials: 

    News and Blogs Section of this Platform may contain articles, analysis, research report and reviews etc. (“Document”) that have been sourced from the various Vendors/ Authors empanelled with the Company. The sources of all such Document have been named and clearly indicated at appropriate places. Except for publishing rights that have been expressly granted to the Company by the respective Vendors/ Authors, the Company does not claim any other rights in such Documents, including copyrights and other intellectual property rights. Such articles have been published on the Platform for information purposes only and the Company disclaims all liability in connection therewith.



11. Use of the Transaction Services

    You agree that, prior to using any Transaction Services made available on this Platform, you have read and understood the terms and contents of the offer documents, terms of issue, scheme information documents, statements of additional information, if any, including schemes of the third-party service provider relating to the financial product where you intend to invest. You shall ensure that all investment and disinvestment decisions are based on your own evaluation of financial circumstances and investment objectives. This extends to any decisions made by you based on any information that may be made available on this Platform. 

    You understand that the Company may tie-up with payment gateway(s) (Merchant Services- Payment Facilitation) to allow you to make online payments/ discharge settlement obligation and is only acting as a facilitator. However, the Company shall not be held responsible in any manner whatsoever for use of such facility by User.

    You shall not hold nor seek to hold the Platform, the Vendor(s), third party service provider(s), facilitating agency(ies) or any of their officers, directors, partners, employees, agents, subsidiaries, affiliates or business associates liable for any losses, damages, liability, costs, expenses incurred by you, as a result of relying upon investment information, research opinions or advice or any other material/information whatsoever on the Platform, literature, brochure available on the Platform. The User may seek independent professional advice regarding the suitability of any investment decisions. 

    You acknowledge that the information provided through the Platform in the form of research material solely for the purpose of knowledge creation of the User and any such information may not be considered as an advice.

    You acknowledge that this Platform acts as a referral party only. The financial transaction will be initiated and consummated between the User (you) with the Vendor(s)/ issuers of the securities. All financial transactions initiated on this Platform shall be concluded/ settled as per the applicable regulatory framework between you and the Vendor. The Platform shall not be liable/ responsible in any manner whatsoever for the settlement / execution/ conclusion or consummation of transactions.

    As an Investor, you agree to comply with the relevant Know Your Client norms (“KYC”) or other information disclosure/ registration norms as may be laid down by Securities Exchange Board of India or any other governmental/ statutory/ regulatory authorities from time to time.

    The issuer/ Vendor/ counter party has the right to reject a transaction in case of a failure to comply with KYC and other applicable investment norms/ instructions, internal parameters set for the same. The onus of adhering to the KYC norms is on the User. 



12. Execution of Transaction (Settlement), Lead Generation and Request for Quote Module:

    You may indicate your intention to buy and/or sell/ deal in the financial product using this Platform and the same shall be forwarded by/ through the Platform to the Vendor(s)/Counter Party empanelled on the Platform together with the registration/ contact details. The Vendor(s)/ the Company shall contact you (User) to understand the exact requirements and initiate the transactions viz. buying and selling of financial product at agreed value and at agreed terms as may be decided between User and Vendor directly without the intervention of the Platform.

    The Vendor may ask for additional documents, declarations, confirmations to confirm/ complete the transactions/ deal.

     The transaction(s) may also get rejected/ may not be consummated due to non- fulfilment of pay-in (funds and securities) obligation by Parties to the deal. The Platform shall not be responsible for settlement/ reporting obligations at any point in time.

    You understand that there is no implied guarantee/ warrantee that any transaction in which any interest is shown by the User shall mandatorily materialise. We and/ or the Vendor shall not be responsible in case of decline/ rejection/non- happening of the deal for which interest is indicated through Platform for any reasons. 

    The User understands that there could be delay in transmitting any request/ inclination/ interest to the Vendor/ Counter Party, due to technical and/or non-technical reasons. The User shall not hold the Company responsible for any losses suffered on account of such delay(s).

    The Platform reserves the right, at its sole discretion to reject/ to put on hold the interest/ inclination shown by the User (Lead) using this Platform due to technical glitches, incomplete/inchoate registration documents, suspicious activities from the account etc.



13. You are required to note, understand and acknowledge that transmission of data using electronic systems is vulnerable to temporary disruptions, breakdowns or failures. The Platform does not accept responsibility for any losses incurred / that may be incurred by the User due to such eventualities which are beyond the control of the Platform.


14. Use of Message Boards, Chat Rooms and Other Communication Forums:

    If this Platform contains message/bulletin boards, chat rooms, or other message or communication facilities (collectively, "Forums"), you agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, you agree that when using a Forum, you shall not do any of the following:

    1. Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
    2. publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.
    3. Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
    4. Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
    5. Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.


15. Indemnification

    You agree to defend, indemnify us (including our affiliates, officers, directors, agents and employees) from and against all claims, causes of action, demands, recoveries, losses, damages, fines, penalties, liabilities or other costs or expenses of any kind or nature (including without limitation reasonable legal and other fees and costs), incurred or suffered by us or likely to incurred and suffered by us, in relation to any and/or all claims, actions or demands, arising from or related to your use of the Platform or related to your breach/ alleged breach of this terms of use, privacy policy, violation of any law or the rights of a third party.

    You shall not sue or otherwise make or present any demand or claim, and irrevocably, unconditionally and entirely release, waive and forever discharge the Company, its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter "Release"), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses"), whatsoever, in law or equity, whether known or unknown, which you ever had, now have, or in the future may have against the Release with respect to the Services. 



16. Limitation of Liability

    In no event shall the Company, its affiliates, and their respective officers, owners, directors, employees and agents, licensors, licensees, consultants, or contractors be liable to you or any third party for any special, incidental, indirect, consequential or punitive damages or losses whatsoever, or damages for loss of data or profits, goodwill, and/ or other intangible loss, whether or not foreseeable resulting from: 

    1. The use of or the inability to use the Platform; 
    2. Errors, defects, omissions, delays in operation or transmission, or any other failure of performance of this Platform or any of the services availed; 
    3. Unauthorized access to or alteration of your transmissions or data; 
    4. Statements or conduct of any third party on the Platform; 
    5. Inaccuracies, incompleteness, errors appearing in the information, documents and materials shared on this Platform.
    6. Any other matter incidental to the Platform.

    If you are discontented with the use of this Platform, or any of the information contained thereon, or refuse to abide by the terms and conditions stipulated; then the sole and exclusive remedy for you is to discontinue the use of this Platform; 

    Notwithstanding the above, if the Company is found liable for any proven and actual loss or damage which arises out of or in any way connected with any of the occurrences described above, then you agree that the liability of the Company shall be restricted to, in the aggregate, any Service/referral fees earned by the Company in connection with transaction(s)/ Services in relation to which liability has arisen, if applicable.



17. Additional Terms and Conditions
    1. We reserve right to make change(s) to the Platform, related policies, terms of use, disclaimer, and Privacy Policy at any point in time as we may deem fit and proper, without prior notice/ intimation to the User. 
    2. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the services and ancillary Services. We reserve the right to discontinue or suspend, temporarily or permanently the access of this Platform, at any point of time without giving notice or reasons for the same.
    3. We are under no obligation to monitor the communication transmitted using this Platform. However, we reserve the right to review information posted/ selected/ transmitted at our sole discretion. 


18. Form of Communication

    Documents sent by electronic means viz. by electronic e-mail (including any auto replies from the system), an electronic mail attachment, or in the form of an available download option from the Platform shall deemed to have fulfilled any obligation (legal or otherwise) to deliver such document.



19. Force Majeure

    The Company, its affiliates, and their respective officers, owners, directors, employees, agents, consultants, or contractors and service providers shall be relieved of all responsibilities/ obligations, in the event of failure of performance is resulting directly or indirectly due to act of Force Majeure or causes beyond our reasonable control.

    You further acknowledge and agree that neither we, nor any of the foregoing entities are responsible or liable for (a) any incompatibility between the Platform and any other platform, service, software or hardware or (b) any delays or failures you may experience with any transmissions or transactions relating to the Platform in an accurate or timely manner. 



20. Governing Law and Jurisdiction

    The Platform, Services, all your transactions through the Platform, and our relationship shall be governed by the laws of India. 

    Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by Company and You, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. The Place of Arbitration shall be Mumbai and the language of Arbitration shall be English.



21. Termination of Use

    You agree that the Company may, at its sole discretion, suspend or terminate your access to all or any part of Platform without prior notice and without assigning any reasons. 



22. Severability

    In the event any provision or part of this Document is found to be invalid or unenforceable, only that particular provision or part so found, and not the entire Document, will be inoperative.



23. Survival of Terms After Agreement Ends

    Notwithstanding any provisions of this Terms, or any general legal principles to the contrary, any provision of these Terms that impose or contemplate continuing obligations on a party will survive the expiration or termination of the relationship between the Parties, viz. Platform and User.



24. Cookies Policy

    This Cookie Policy describes the information we obtain from Cookies, how we use Cookies, and how you can manage them. By accessing this Portal, you acknowledge you have read and accept this Cookie Policy:

    Cookies and Log Files 

    A cookie is a piece of data stored on the user's computer tied to information about the User. We shall use cookies.

    Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

    Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies

    Users may note that cookies are not strictly necessary for the provision of our Platform and services, we will ask you to consent to our use of cookies when you first visit our Platform. Our use of Cookies may involve the processing of Personal Data (i.e., any information relating to an identified or identifiable individual, such as IP addresses, or other online mobile identifiers)

    Use of Cookies:

    1. Recognise your browser
    2. Customize the Portal and our Service to suit your interests, needs and preferences
    3. Enable you to move around the Portal and use its features
    4. Collect information on how you use the Portal and Services.
    5. To store information about your preferences and to personalise our Portal for you
    6. To help us to display advertisements that will be relevant to you.
    7. To analyse - we use cookies to help us to analyse the use and performance of our Portal and Services.
    
    

    Managing cookies

    Our Portal contains links to third party websites. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data or solicit Personal Information from you. Other sites follow different rules regarding the use or disclosure of the Personal Information you submit to them. We are not responsible for the content, privacy and security practices, and policies of third-party sites or services to which links or access are provided through the Service. We encourage you to read the privacy policies or statements of the other websites you visit.

    Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

    1. https://support.google.com/chrome/answer/95647?hl=en (Chrome);
    2. https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
    3. http://www.opera.com/help/tutorials/security/cookies/ (Opera);
    4. https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
    5.  https://support.apple.com/en-in/guide/safari/sfri11471/mac (Safari); and
    6. https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge)
    
    

    You have the option to block the cookies by adjusting your browser settings. However, if the cookies are disabled, it will have an impact on your overall experience while using the Portal

    The Company will not be liable in the event that any third-party gains access to the cookies from your computer, phone, tablet or any other internet enabled device.

    Changes to this Cookies Policy

    We may periodically update this Cookie Policy without prior notice to reflect changes in our practices. Any such changes will be posted on this page.



25. STANDARD DISCLAIMER AND DISCLOSURE

    The Company makes every attempt to ensure the accuracy and reliability of the information provided on this Platform. However, the information is provided without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, completeness, legality, or reliability of the information contained on this Platform. 

    No warranties, promises and/or representations of any kind, expressed or implied, are given as to the nature, standard, accuracy or otherwise of the information provided in this Platform nor to the suitability or otherwise of the information to your particular circumstances. The information, software, products, and services included in or available through the Platform may include inaccuracies or typographical errors.

    We expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. We do not guarantee that this Platform is free from computer viruses or anything else that has destructive properties. 

    You understand and acknowledge that there are inherent risks involved in sending/ receiving the instructions/communications/documents to/ from you via electronic means (E-mail, Messages, Fax etc ) and you hereby agree and confirm that all such risks shall be fully borne by you.

    You specifically agree that the Company shall not be responsible for unauthorised 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 using/ through this Platform.

    The Platform makes information of third parties available. User acknowledges and agrees that the owner of this Platform does not create or endorse or guarantee or control Third Party Content. Use of any information/product/ Services is at user's sole risk. 

    Any transaction in financial products shall be subject to fluctuations and risks including market risks not within our control. We shall not be responsible for any losses incurred by you attributable directly or indirectly to such market risks. The Platform does not guarantee any return on investment in the financial securities and the past performance / past track records of any financial instruments offered on the Platform does not guarantee future results or returns to You.

    You agree and acknowledge that if you invest in financial instruments offered by third party service providers, the Platform merely plays a role of a referral agent connecting you with the third-party service providers offering financial instruments on the Platform and may perform ancillary services to the referral activities. The Platform does not in any manner guarantee the performance of the financial instruments including the payment of principal or coupon rates on the subscribed financial instruments. 

    The rating of any financial instruments may change prior to or subsequent to your investment and the Company is not responsible for any losses arising to you out of such change in rating. You agree that any investment undertaken by you on the Platform has been undertaken after exercising due care, caution and diligence and after understanding the nature and the underlying risk attached to such security by reading the relevant documents in relation to the investment in the financial instruments.

    The information does not constitute investment or financial advice or advice to buy or sell, or to endorse or solicit to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Platform or information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type. 

    Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain independent applicable legal, accounting, tax or other professional advice or facilities before taking or considering an investment or financial decision.

    In no event, we shall be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of this Platform/Services, with the delay or inability to use this Platform/services or related services, the provision of or failure to provide services, or for any information, products, services and material obtained through this Platform, or otherwise arising out of the use of this Platform/services, whether based on contract, tort, negligence, strict liability or otherwise. 

    It shall be responsibility of the User to understand the risk and limitations involved while dealing in Capital/ Securities Market, financial market and under no circumstance or in no form or manner, we assume any liability for any transaction entered into/ Services availed through this Platform.

    We do not give any guarantee: 

    1. that information displayed about financial product(s)/ instruments, its rates, yield or other details provided on this Platform, are actually the terms that may be offered to you in case you pursue the offer, 
    2. that they are the best terms or lowest rates available in the market. 
    
    

    You also agree and understand that data feeds, prices, rates and other similar market value information about any product or securities could be based on delayed feeds and these data or information may not reflect the real time values/actual rates. Certain sections or pages on this Platform may contain separate disclaimer and/or terms and conditions, which are in addition to these disclaimer or terms and conditions. In the event of any conflict between the two, the additional disclaimer or terms and conditions will govern those sections or pages.



26. Contact us

    If you have any concerns, complaints or grievances about the terms or other users or their manner of use of the platform, please feel free to contact the Grievance Officer any time on grievance@indiabonds.com