Equitymaster reserves the right to deny, in its sole discretion, any User access to this Web Site or any portion thereof without notice or justification. Further Equitymaster reserves the right at any time to charge fees for access to any service provided by it.
Equitymaster may offer its service Portfolio Tracker free of charge to the User subject to such terms and conditions including the period for which it is offered free of charge, as may be decided by Equitymaster. It shall put up a notice to this effect with necessary details at the relevant point of time.
If you wish to receive access to the restricted content of this Website you will need to register (as a Registered User) or subscribe (as a Subscriber) with us and the following provisions of this Clause will apply.
You agree to:
a) provide true, accurate, correct and complete information which you are required to provide when you register or subscribe as a user of this Website, whether in respect of the Subscription Services or the Free Services ("Personal Information"); and
b) notify us immediately of any changes to the Personal Information.
c) receive calls, sms or emails regarding our products or services and various promotional offers for solicitation.
d) You agree not to: impersonate any other person or entity or to use a false name or a name that you are not authorised to use, or disclose your password or user name to any other person, or allow your password or user name to be used by any other person to access the Services.
e) We reserve the right to decline any application from you to register or subscribe as a user of the Subscription Services and/or the Free Services at our sole discretion. If you are accepted you will receive from us a user name and password. If you are allowed to select a user name, we reserve the right to modify such or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.
f) We reserve the right to terminate your account (including user name and password) if any Personal Information is untrue, inaccurate, out-of-date or incomplete.
a) agree not to use the website(s) and/or the services (or any part thereof) including any discussion Forums for any illegal purpose and agree to use it in accordance with all relevant laws;
b) agree not to upload or transmit through the website(s) and/or the services any computer viruses, macro viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer;
c) will not upload or transmit through the website(s) and/or the services any material which is defamatory, offensive, or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;
d) will not use the website(s) and/or the services in a way that may cause the website(s) and/or the services to be interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the website(s) and/or the services is in any way impaired;
e) will not use the website(s) and/or the services including any Discussion Forums in any manner which violates or infringes the rights of any person, firm or company (including, but not limited to, rights of intellectual property, rights of confidentiality or rights of privacy);
f) will not attempt any unauthorised access to any part or component of the website(s) and/or the services;
g) agree that in the event that you have any right, claim or action against any Users arising out of that User's use of the website(s) and/or the services, then you will pursue such right, claim or action independently of, and without recourse to us; and agree not to allow any third party directly or indirectly to use your subscription, user name or password.
The User expressly agrees to use the Service strictly for personal purpose. The User shall not recompile, disassemble, copy, modify, distribute, transmit, display, perform, reproduce, publish or create derivative works from, transfer, or sell any information, software, products, tools or services accessed from this web site. The User may not rent, lease, sell, sublicense, lend or in any manner allow any other party to use the Service, with or without consideration. By viewing the contents of this website you agree this condition of viewing and you acknowledge that any unauthorized use is unlawful and may subject you to civil or criminal penalties.
The User represents that he is aware that in the process of subscribing to the Service or parts of it, Equitymaster may obtain information relating to the User, including that of a confidential nature. This information will be used by Equitymaster for its internal purposes and will be kept confidential. Notwithstanding anything contained above, Equitymaster reserves the right to disclose personal information where it believes in good faith that such disclosure is required by law, to perform necessary credit checks or collect or report debts owed to Equitymaster, to protect Equitymaster's rights or property or for other bonafide uses. The User agrees and warrants that all information that Equitymaster may possess or may obtain pursuant to the use of Service has been possessed or obtained with the permission of the User.
Unless expressly authorized by website, no one may hyperlink this site, or portions thereof, (including, but not limited to, logotypes, trademarks, branding or copyrighted material) to theirs for any reason. Further, you are not allowed to reference the url (www.vivekkaulpublishing.com) in any commercial or non-commercial media without express permission. You specifically agree to cooperate with the Website to remove or de-activate any such activities and be liable for all damages.
Credit/Debit Card payments are processed through "CCAvenue", an online payment gateway system or any other payment gateway system that Equitymaster may use from time to time. By using a credit/debit card to pay for our services, you confirm that the card being used is yours. All credit/debit card holders are subject to validation checks and authorisation by the card issuer. The Card information provided will be authenticated by your bank through the payment gateway system directly without any information being stored at our website. In approximately 25-30 seconds (depending on your internet connection) your bank will issue, using the online payment gateway "CCAvenue" or any other payment gateway that Equitymaster may be using, an authorization code and confirmation of completion of transaction. The information provided is used by the payment gateway system "CCAvenue" or any other payment gateway system that Equitymaster may be using to process the payment.
Please note Equitymaster does not save or store your credit card information on any of it's servers. This information is passed on to our payment gateway for processing.
Equitymaster, as a Verisign Certified Site, uses the latest encryption technology to protect your card information (to know more about this, please click on the Verisign logo on the registration page). You can subscribe to our product using SSL encryption (the internet standard for secure transactions). Your account will be activated only after the successful completion of the transaction.
If you have an account with any of the banks made available for making payment by online payment gateway "CCAvenue" or any other online payment gateway system that Equitymaster may be using, then you can pay through respective bank's net banking options and the amount will be automatically debited from your account through an online gateway system, which enables safe and secure transaction.
Once your transaction has been completed, you will receive a confirmation of your transaction from Equitymaster. If you do not receive a confirmation of your transaction, first look into your "spam" or "junk" folder to verify that it has not been misdirected, and if still not found. please contact us.
"Auto Debit facility/Standing Instructions facility" means the facility wherein you have authorized Equitymaster to charge your credit card for a specified amount towards your subscription fees every time your subscription fee becomes due and payable till such time as you continue to subscribe for the Services or your instruction for cancellation of Auto Debit facility or withdrawal of this facility whichever is earlier.
Credit Card payments on Auto debit Standing Instructions facility basis are processed through HDFC Bank payment gateway or any other payment gateway system that Equitymaster may have an agreement with. By using a credit card to pay for our services, you confirm that the card being used is yours. All credit card holders are subject to validation checks and authorization by the card issuer. The Card information provided by you will be stored by Equitymaster on servers of Agora Inc. (an Equitymaster Affiliate).
Agora Inc. is level 2 PCI Compliant and practices reasonable security measures to protect card data.
Your account will be activated only after the successful completion of the initial transaction. Once your transaction has been completed, you will receive a confirmation of your transaction from Equitymaster for the initial and the subsequent payments. If you do not receive a confirmation of your payment, first look into your "spam" or "junk" folder to verify that it has not been misdirected, and if still not found, please contact us.
After the initial payment made by you, Equitymaster would, on a best effort basis send an advance notification mail every time your subscription fees become due and payable.
You may request for cancellation of auto debit /Standing Instruction facility by giving 30 days notice or such period as may be specified in a particular offer. The notice should be sent to Equitymaster in writing or via email and the same will be effected within a minimum period of 7 days of the receipt of the request. The Company will not be responsible for any delays, which are beyond its control.
Equitymaster shall not be responsible for any fraudulent or disputed transactions. In case of a dispute regarding the transaction through your credit card the same must be resolved by you directly with your Credit Card issuer. You will not make Equitymaster a party to any such dispute and Equitymaster shall not be liable to you for any consequence arising out of the fraudulent or disputed transactions.
Equitymaster reserves the right at anytime, without prior notice, to add or vary all or any of these terms and conditions or to replace, wholly or in part the Auto Debit/Standing Instruction facility or to withdraw it completely.
This facility is available on such credit cards as intimated by Equitymaster from time to time.
No extra cost will be charged to you for this facility. In the event you are dissatisfied with the auto debit/Standing Instruction facility being made available in any respect or with any of the terms of service or alterations thereto, your sole and exclusive remedy is to discontinue the use of the Facility.
You agree that the credit/ debit card information are of sensitive nature and are aware of the risks involved in making payment through the internet. You shall be responsible for safe keeping the credit/ debit card information and shall not share it with any other person.
Equitymaster will not be liable for any loss or damage caused by the misuse of such information due to your negligence or default.
Equitymaster as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any transaction, on account of your having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.
The NACH/Electronic Clearing System (ECS) /Auto Direct Debit facility is offered by Equitymaster Agora Research Private Limited under arrangement with Bill Desk Service of Indiaideas.com Limited or any other service provider that the Company may tie up with from time to time.
The Equated Monthly Installments (EMI option) facility is offered by Equitymaster Agora Research Private Limited under arrangement with HDFC Bank or any other card issuer or service provider that the Company may tie up with from time to time.
The User agrees to indemnify, defend and hold harmless Equitymaster, its officers, directors, employees, representatives and agents, any third party providers, distributors from and against any cause of action, claim or demand, including without limitation any reasonable legal accounting or other professional fees, brought by or on the user's behalf in excess of the liability described herein or by / on account of a third party due to or arising out of User's use of this Web site, the Service contained herein, the violation of any intellectual property or any other right of any person or entity.
Equitymaster's research, recommendation and educational services published or provided by Equitymaster and authored by Equitymaster or a third party are general recommendation/educational services and are not to be construed as individual investor specific Portfolio Management and Advisory Service. Equitymaster is not registered as such under the SEBI (Portfolio Managers) Regulations, 1993.
Equitymaster is neither a university nor an educational institution and is not affiliated with any university or educational institution and will not grant a degree or any other certificate that is recognized by the Central Government, the State Government or any other bodies set up by the Government in India, including the Securities and Exchange Board of India. The course/training material provided by Equitymaster under its educational courses has not been certified by any university or other educational institution or other organization qualified to provide certification.
The User warrants that he/she/it shall obtain independent investment advice before making any Investment based on such recommendation.
The recommendation service, views, articles, reports, educational course material and other contents are provided on an "As Is" basis by Equitymaster. Use of the Service is at any persons, including a Subscriber's/Client's, own risk. Information herein is believed to be reliable but Equitymaster does not warrant its completeness or accuracy and shall not be responsible or liable for any losses incurred by a user for acting based on the views expressed in this service.
Equitymaster expressly disclaims all warranties and conditions of any kind, whether express, implied or statutory pertaining to the Services provided by it including but not limited to implied warranties and conditions of merchantability, fitness for a particular purpose, data accuracy and completeness and any warranties relating to viruses and non-infringement in the Service and provision of service free from disruption or interruption.
The Service should not be construed to be an advertisement for solicitation for buying or selling of any securities or assets. Equitymaster provides research recommendations on securities listed on Indian securities exchanges only. Equitymaster shall not be responsible (directly or indirectly) for use or otherwise of Service by a User, including a User who is a citizen or resident or located in any locality, state, country or other jurisdiction outside India specifically a resident of the USA, Canada or the European Union countries and we hereby expressly disclaim any implied warranties imputed by the laws of any other jurisdiction. We consider ourselves and intend to be subject to the jurisdiction only of the Courts in Mumbai, India. If you don’t agree with above please do not read the material on any of our pages.
Our investment recommendations are general in nature and available electronically to all kind of investors irrespective of subscribers' investment objectives and financial situation/risk profile. Equitymaster shall not be responsible for any direct/indirect loss or liability incurred to the user as a consequence of his or any other person on his behalf taking any investment decisions based on the information, recommendations, research reports, analysis, quotes, educational course material etc. provided on the web site.
Equitymaster shall also not be liable for errors, omissions or typographical errors, disruption delay, interruption, failure, deletion or defect of/in the Service provided by it.
Equitymaster does not warrant accuracy of any feed from the stock exchanges/ currency/commodities exchanges or any other third party.
Equitymaster shall not be liable, directly or indirectly, to the User or any third party, as a consequence of the failure of its equipment, howsoever defined, or that of any Stock exchange/ currency/commodities exchanges, Internet Service Provider, User or any third party to function in such manner as is reasonably expected of such equipment. Equitymaster shall not be responsible for any downtime of such equipment.
Where Equitymaster offers to send alerts to the Subscriber through SMS, Equitymaster shall not be liable to pay or bear any cost, charges, fee charged by a service provider to the Subscriber for receipt of such SMS. Equitymaster may at any time without notice withdraw the facility of sending SMS alerts to the Subscribers. In case Subscriber does not want to receive SMS alerts from Equitymaster, he/she may unsubscribe through 'Manage Subscriptions' or send a written intimation to Equitymaster on the same.
Equitymaster makes no representations or warranties, either express or implied that the research, development, marketing, distribution, use or sale of the Service will not infringe any patent, copyright or other right of any third party.
The website assumes no responsibility for damage to computers or software of the visitor or any person the visitor subsequently communicates with from corrupting code or data that is inadvertently passed to the visitor's computer. Again, visitor views and interacts with this site, or banners or pop-ups or advertising displayed thereon, at his own risk.
The User agrees that neither Equitymaster nor its directors or employees or affiliates shall be liable for any direct, indirect, incidental, special or consequential damages, resulting from the use/delivery/performance or the inability to use/deliver/perform the Service or for cost of procurement of substitute goods and repair & correction services or resulting from the Services subscribed to or obtained or messages received or transactions entered into through or of User's transmissions or data, even if Equitymaster or its employees have been advised of the possibility of such damages.
The User further agrees that Equitymaster shall not be liable for any damages arising from interruption, suspension or termination of Service, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent.
a) Your subscription will be enabled immediately on receipt of your payment. If you are not satisfied, you can request for your subscription to be terminated within such period as may be specified for a particular service in the offer and the money will be refunded back to you subject to the conditions in the offer.
b) The Subscriber will be eligible for a refund only once for a particular service. In case a Subscriber has subscribed to a service, claimed refund and subscribed again for the same service, he/she will not be eligible to avail any refund.
User shall be responsible for creating and safe keeping of his Password. In the event a User is given a password by Equitymaster, the User shall ensure that such password is kept in a secure manner. User may not assign his/her password obtained to any person or entity without the prior written consent of Equitymaster. Equitymaster does not have access to such password since it is generated randomly on the Equitymaster system, encrypted and passed on to the User. User shall bear all responsibility of keeping the password secure and in the event that the User incurs any liability to Equitymaster or any other third party as a result of the password being used by third parties, or due to improper use of the password, User shall, without limitation, bear all such liability. Notwithstanding anything contained herein, in the event any liability arising to the User as a consequence of any of Equitymaster's employees accessing the User's password without authorization shall be borne by the User.
Visitor agrees as a condition of viewing, that any communication between Visitor and Website is deemed a submission. All submissions, including portions thereof, graphics contained thereon, or any of the content of the submission, shall become the exclusive property of the Website and may be used, without further permission, for commercial use without additional consideration of any kind.
We have the right, but not the obligation, to monitor any activity and content associated with the website(s) and/or the services. We may investigate any reported violation of these Conditions or complaints and take any action that we deem appropriate (which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials on the website(s) and/or the services).
All Users of the Service in countries other than India understand that by using the Service, they may be violating the local laws in such countries. If the User chooses to access the Service from outside India, especially the USA, Canada or the European Union countries, he shall be responsible for compliance with foreign and local laws. The Users agree that they will solely be liable for any liability incurred by them in this regard and will indemnify Equitymaster for any liability Equitymaster may incur in any foreign jurisdiction as a consequence of citizens / residents of countries other than India using the Service. This service does not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
In addition to the general restrictions above, the following specific restrictions and conditions apply to your use of content on the Equitymaster Website.
The content on the Equitymaster Website, except all User Submissions (as defined below), including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features, online educational course material and the like ("Content") and the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to Equitymaster, subject to copyright and other intellectual property rights under the law. Content on the Website is provided to you AS IS for your information and personal use only and shall not be downloaded, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the Equitymaster. Equitymaster reserves all rights not expressly granted in and to the Website and the Content.
You may access these videos or other information solely:
a) for your information and personal non-commercial use;
b) as intended through and permitted by the normal functionality of the Equitymaster Service; and
c) for Streaming.
"Streaming" means a contemporaneous digital transmission of an audiovisual work via the Internet from the Equitymaster Service to a user's device in such a manner that the data is intended for real-time viewing and not intended to be downloaded (either permanently or temporarily) copied, stored, permanently downloaded, or redistributed by the user. Accessing Videos for any purpose or in any manner other than Streaming is expressly prohibited. Videos are made available "as is."
You may access Equitymaster Content and other content only as permitted under these terms. Equitymaster reserves all rights not expressly granted in and to the Equitymaster Content and the Equitymaster Service.
You agree to not engage in the use, copying, or distribution of any of the Content of the Website for any commercial purposes.
You agree not to circumvent, disable or otherwise interfere with security-related features of the Equitymaster Website or features that prevent or restrict use or copying of any Content or enforce limitations on use of the Equitymaster Website or the Content therein.
Equitymaster is a participant in the Amazon Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.in.
For Equitymaster's Lifetime recommendation services, the following additional terms and conditions will apply:
a) The service subscribed to can-not be transferred or gifted during the life time of the Subscriber. The Subscriber however may bequeath the subscription to any one person on death by way of a will.
b) The subscription will last during the life time of the Subscriber or the successor or continuity of the subscribed service/s whichever is earlier.
c) The maintenance fee, if applicable will be payable annually.
d) Equitymaster may decide to increase/decrease or in any way modify the annual maintenance fee applicable to the service. The Subscriber agrees to be bound by them.
e) If the Subscriber does not pay the annual maintenance fee, if any, his access to the service subscribed to will be suspended. The service can be reactivated any time by paying the maintenance fee for the current year.
f) Equitymaster shall not be liable for damages due to any delay or default in performance hereunder or any direct/indirect loss if such delay or default or loss is caused by winding up, transfer, assignment of Equitymaster's business or due to conditions beyond its control including, but not limited to Acts of God, Government restrictions, strikes, wars, insurrections and/or any other cause beyond the reasonable control of Equitymaster.
g) Equitymaster may at its discretion and from time to time, change, add, remove features in the subscription services without notice.