TERMS & CONDITIONS
The Website www.finology.in and its sub-domains (hereinafter referred to as the “Website”, “Site” or “Platform”) are owned, managed and governed by Finology Ventures Private Limited (hereinafter referred to as “We”, ”Us”, ”Company” or “Finology”), except for sub-domains wherein it is expressly stated that the said sub-domain(s) is owned and / or maintained, operated by any other entity whether company’s group company or not. Wherever the terms “You”, “Your” or “User” are used, it shall include any person whether natural or legal/juristic, including but not limited to any company, incorporation, association, partnership, proprietorship or group of individuals who access, browse through, visit or avail the services of the Website. Collectively the User and the website or the Company may be referred to as the “Parties”.
WAIVER & SEVERABILITY
Any content available or displayed on the Website or available for download whether for free or a fee or anything shown as a part of an offer for purchase on the Website, is protected by all applicable Intellectual Property Laws including Trademark and Copyright laws and is the exclusive property of the Company or its licensors. All trade names, trademarks, service marks and other product and service names and logos on the Website and within the Content (collectively the “Marks”), whether registered or unregistered are proprietary to their respective owners and are protected by applicable trademark and copyright laws, doctrines and principles. Nothing contained on the Website or within the content shall be construed as giving permission, license or right to use any of the Marks to anyone without prior written consent of the Company or any third-party owner of any such Marks. Any unauthorized or non-permitted use of any such Marks or any content of the Website in anyway, for any purpose is hereby expressly prohibited and may invite appropriate action by the company.
Unless otherwise agreed or permitted by the Company in writing and in advance, you are hereby prohibited from copying, reproducing, modifying, create derivative works from or store, any Content, whether in whole or in part, contained on the Website. In absence of the said prior written permission from the Company, you are also prohibited from publishing, transmitting, distributing, displaying, performing, broadcasting or circulating any such Content for any purpose whatsoever.
Any unauthorized or non-sanctioned advertisement, promotional posts and material, junk mail, spam, chain letters, pyramid schemes or solicitation in any other form, for any purpose, on the Website is hereby expressly prohibited. Users are also restricted from posting any inappropriate, offensive, hateful, pornographic, false, misleading, infringing, defamatory or libellous content targeting any person, gender or social or ethnic group or nationalities. The Users hereby undertake to not use the Website for any unlawful purpose whatsoever and to honour all reasonable requests by the Company or the Website to protect its proprietary rights and interests.
It is hereby clarified that in case of multiple logins from different devices and different IP addresses is found which at the company’s sole discretion is found to be in the nature of sharing same subscription with multiple persons, such subscription shall be terminated with immediate effect and no refund shall be given for the same and appropriate action may be taken by the company.
Registering on the Website provides a special restricted access to the Website and its content, services which is restricted to a single user only. For registering every User is required to provide his email address, name, etc. and must select a password. While registering, the Users are bound to provide complete, accurate and updated information and failure to do so shall constitute breach of this Agreement and shall expose them to the risk of termination of their access by the Company.
Users are alone responsible to maintain the confidentiality of their registered account and login credentials and are liable for any activities that occur via such account.
THE USER'S CONTENT
The Users are prohibited from entering or distributing any material on or through the Website that is promotional in nature or which results in solicitation without prior written permission or consent of the Website.
The Users shall be liable to indemnify the Company and the Website including their employees, affiliates and authorized representatives, for any loss, damages, liabilities, costs including but not limited to reasonable attorney fees incurred by them as a result of breach of this Agreement by the User or inaccuracy, falsity, incorrectness or illegality of material or information entered into the Website using User’s account on the Website.
The Website may contain sponsored content and advertisements. Neither the Company nor the Website shall be responsible or liable for the accuracy, legality, correctness, completeness or contemporariness of the advertisements or the sponsored content and the sponsors of such advertisements or sponsored content shall be solely responsible for the same. The Company and the Website shall also be immune from any liability arising out of any act or omission on part of the sponsors of such advertisements or sponsored content. The said sponsors shall be liable to indemnify the Company or the Website including their employees, affiliates and any authorized representatives for any loss, damage, costs or any expense incurred by them including but not limited to reasonable attorney fees because of any fault or defect in the content or advertisement sponsored by them or any act or omission on their part.
LINKS TO OTHER WEB SITES
The Website contains hypertexts, links and addresses to other websites and webpages for the reference and convenience of its Users. These hypertexts, links and addresses may take the Users to different webpages and websites owned and operated by persons, groups or incorporations other than the Company and are the sole responsibility of their respective owners and managers.
Neither the Company nor the Website have any control or ownership on what is displayed on such websites and webpages for any purpose and hence neither of them is responsible for the content available on such websites and webpages. When You choose to click on and visit any such webpage or website, You agree that neither the Company nor the Website is responsible or liable for the accuracy, correctness or legality of content, services, products or other material on such websites and webpages.
Any reference or display of any names, products, services or marks belonging to or offered by a third-party or presence of their hypertexts or links on the Website, does not necessarily constitute any recommendation, endorsement or sponsorship of such third-party or its products or services. The Users are solely responsible for their use or access of any third-party content or products or services and for all related risks of viruses, worms, trojan horses and other harmful material on such websites or webpages.
LIMITATION OF LIABILITY
Under no circumstance or event shall the Company, the Website or any of its affiliates, employees, agents, suppliers, licensors or any authorized personnel or representatives be liable for any direct, indirect, consequential, incidental, special, punitive or exemplary damages including without limitation to damages for loss of goodwill, use, profits, data or any other tangible or intangible loss related to or arising out of the use of, breach of or inability to use the Website or services provided by the Website, moreover, the said entities and individuals shall also be immune from any liability to compensate any User in anyway for any loss, damage or injury caused because of hacking, tempering or unauthorized use or access of User’s account or any information contained therein.
If at all any liability, of whatsoever nature (including damages, claims and compensations) is implied on the Company under these terms, including for any implied warranties, the said liability is limited to the amount that the user pays / has paid to use the services.
Further, in no case shall the Company or the Website be liable for any:
Presence of Professionals or any third-party on the Website or any database maintained by the Website shall not in any case be construed as recommendation, solicitation or endorsement of any such Professional or third-party. Any information about such Professional or third-party shall not be treated as device to confirm their credibility, qualification or abilities.
SPECIFIC ADDITIONAL TERMS FOR SUB-DOMAINS/PRODUCTS
Users enrolling in any of the courses offered by the Website will be granted an e-certificate stating the completion of the course opted by them and the date of completion. All the Users are hereby informed that they shall be granted the said certificate only on due completion of the course and submission of all given tests and assignments, it is further informed that the Company may on its sole and exclusive discretion refuse to issue the said certificate if it finds that any User is in contravention of this Agreement or any other policy as promulgated by the Company. The said certificate be sent to the Users on the email id provided by them at the time of signing up for any course, the company shall not send the same on any other email id in any case and that issuance of certificate may take up to 30 working days after due completion of the Course opted by any user.
The Company is neither a university or educational institution, nor is it associated or affiliated with any university or other educational institution. The courses offered by the Website are not certified by any educational body or Central or State government including any government body. The certificate provided by the Website on completion of its courses by the Users is not equivalent to any degree, certificate or diploma provided by any registered educational institute.
SELECT BY FINOLOGY
Select is a platform of Finology Technologies Private Limited.
This platform is a comparison cum review portal that compares and reviews demat accounts, and credit cards for now and may in the future include comparison and review of various other financial products/services (collectively called Services).
The aforesaid services are provided by third parties who are banks, non-banking financial companies, stock brokers, or other financial or non-financial institutions (collectively called service providers) and the Company is merely a facilitator for providing the platform to the user for review and comparison. It is further clarified that the Company is not the provider of any of the aforesaid financial products/services.
In addition to tying up with the aforesaid service providers, the Company may tie up with third-party aggregators for listing the comparison and review of the aforesaid financial products/services.
The comparison cum review portal will use algorithms and logic to compare and suggest the most suitable options depending on your requirements. However, the data including but not limited to pricing plans, free transaction limits, penalties, charges, etc. including any other information on the basis of which the recommendation is given to you is directly provided by the service provider (including third-party aggregator where the listing is done through the aggregator) and therefore this comparison cum review portal merely facilitates easy comparison and reviewing of the listed services once the user inputs his/her/their requirements/preferences and should not be constituted as any form of advice, approval or affirmation.
The Company may at its sole discretion, offer certain rewards on a revocable and non-transferable basis to the users for using the platform / opting for any product through the platform. Further, the service providers (including third-party aggregators) may also offer certain rewards/offers to the users. The rewards/offers offered by the Service Providers (including third-party aggregators) are governed by their terms and conditions and the Company shall not be responsible for the same.
For providing the above comparison and review offerings to the user, the Company shall use and share the data of the user with one or more service providers (including third-party aggregators).
The reference to the word Company in respect of SELECT BY FINOLOGY shall mean Finology Technologies Private Limited.
RECIPE BY FINOLOGY and FINOLOGY TICKER
We have taken and continue to take utmost care and caution in compilation of historical data and updating current data on our web site. We also take due care in analysis of the data. The information and data provided on the website have been obtained and culled out of whatever is available on public domain and we do not in any way guarantee the accuracy, reliability, completeness, current-ness and/or timeliness of any content, information, data, analysis, software, text, graphics, links or communications provided on or through the use of the Website and we assume no liability and cannot be held responsible for any errors or omissions in such information, data and/or analysis of such information and data nor for the results obtained by any user of the website from the use of such content, information, data, analysis, software, text, graphics, links or communications provided on the Website or for any monetary or other damage suffered by you on account of the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website; and/or any interruption or errors in the operation of the Website.
The data feed for the website is sourced and curated using automated algorithms from various data sources. The comments and opinions are based on automated formulas. These are prone to errors of automation. We are not responsible for the accuracy, reliability, performance, completeness, comprehensiveness, functionality, continuity, timeliness of the information, data or for any content available.
Though we make the best efforts for accuracy; the materials appearing on Site could include technical, typographical, or photographic errors. We do not warrant that any of the materials on the Site are accurate, complete or current. We may make changes to the materials contained on Site at any time without notice. However, we do not make any commitment to update the materials.
All information present on the Website is to help investors in their decision-making process and shall not be considered as a recommendation or solicitation of an investment or investment strategy. Investors are responsible for their investment decisions and are responsible to validate all the information used to make the investment decision. Investor should understand that his/her investment decision is based on personal investment needs and risk tolerance, and performance information available on the website is one among many other things that should be considered while making an investment decision. Past performance does not guarantee future returns and performances are subject to market risk. Investments in securities market are subject to market risks and investors should read all the related documents carefully before investing. Derivatives are sophisticated investment products. The investor is requested to take into consideration all the risk factors before actually trading in derivative contracts.
The articles, interactive tools and other content are provided to you, as self-help tools and for informational purposes only. They are not intended to provide investment advice. The company does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.
The recommendation service, articles or other contents are for research, information and educational purposes only. The User warrants that it shall obtain independent investment advice before making any investment decision as recommendations under Chef’s special or under any of Finology’s offerings are not a substitute for investment advice. The content on the website should not be construed to be an advertisement for solicitation for buying or selling of any securities or investment products.
Certain posts, articles, stories, or news by whatever name called may be published solely or in collaboration with third parties, the responsibility of the content of which lies with the relevant third party. The said third parties may promote their product or services in the said post, article, story, or news and you are advised to do an independent assessment of the said product or service and the company is not responsible for the same.
The information presented in the post, article, story, or news by whatever name called, has been compiled from various sources, both internal and external. No representation is made or warranty is given as to the completeness or accuracy of such information and the said information may be outdated. The user is advised to check the information at his/her own level before taking any action by placing reliance on the said information.
You may occasionally without any charges or costs, share the entire or a snippet portion of a post, article, story, or news by whatever name called, from the insider platform using the share feature provided therein. In case you use the option “copy link” under the share feature then you shall give appropriate attribution to the Company and the platform Finology Insider.
However, it is clarified that you shall not use the share feature regularly and solely for the purpose of providing access to reading material to others.
The comments you post on any post, article, story, or news by whatever name called, may be subject to moderation. Further, you agree that you shall not post any comment that (i) contains pornographic, nudity-related pictures and other forms of obscene comments including vulgar language and sexually suggestive content; (ii) is likely to abuse, harass, threaten, impersonate or intimidate other users; (iii) is false and misleading; (iv) otherwise violates, is prohibited or restricted by applicable law, rule or regulation, is offensive or illegal or violates the rights of, harms or threatens the safety of other users of the (collectively referred to as "Prohibited Content").
The Investment Advisory services are provided by the Investment Advisory division of the Company, the affairs of which are at arm’s length from the other affairs/businesses of the Company.
The user agrees to update the risk profile from time to time as and when there is a substantial change in it.
The copies of the risk profiling, and investor advisory agreement shall be available to the user at the Document Vault after login.
MUTUAL EXCLUSION CLAUSE
In terms of the regulatory requirements, the user is hereby informed that the Company is eligible to either offer investment advisory services or distribution/facilitation services to the user (and its dependent family member) and not both.
Thus, the Company shall make all endeavours to ensure segregation of the advisory and distribution activities by not offering both to the same users by placing appropriate post-login disablement/accessibility blocking checks on the website.
Further, it is also the user’s responsibility to:-
In case the user comes across any such instance, then he/she shall immediately inform the same to the Company and the Company may take appropriate steps in this regard.
At any point in time, if it is found by the company that the user (for himself/herself or through his/her dependent family member or through family members on whom he/she is dependent) has been availing of both of the aforesaid services simultaneously, then, in that case, the company has the sole right to decide upon the stopping of any one service immediately.
ADDITIONAL DISCLAIMERS & DISCLOSURE ON SUB-DOMAINS / PRODUCTS
The respective service pages, product pages, or sub-domains, by whatever name called may contain additional and specific disclaimers and disclosures.
From time to time, we or others on our behalf may offer trials of paid subscriptions for our Finology Premium Membership for a specified period without payment or at a reduced rate (a “Trial”). Finology reserves the right, in its absolute discretion, to determine your eligibility for a Trial, and, subject to applicable laws, to withdraw or to modify a Trial at any time without prior notice and with no liability, to the greatest extent permitted under the law.
For some trials, we will require you to provide your payment details to start the Trial. At the end of such trials, we may automatically start to charge you for the applicable paid subscription on the first day following the end of the trial on a recurring monthly or annual basis. When you provide a Payment Method, we will attempt to verify the information you entered by processing an authorization hold. We do not charge you in connection with this authorization hold, but your available balance or credit limit may be reduced. By providing your payment details in conjunction with the trial, you agree to this charge using such payment details. If you do not want this charge, you must cancel the applicable paid subscription.
Finology Premium Membership
You may participate in our “Finology Premium Membership” by subscribing to pay monthly or annual membership fees for unlimited access to “Premium services.” Premium services are courses & services that are offered as part of Premium Membership at Finology’s sole discretion.
The membership fee will be billed on the beginning of the paying portion of your membership and each month or year thereafter unless and until you cancel your membership. We automatically bill your Payment Method each month on the calendar day corresponding to the commencement of your paying membership. We reserve the right to change the timing of our billing, if your Payment Method has not successfully settled. In the event your paying membership began on a day not contained in a given month, we may bill your Payment Method on a day in the applicable month or such other day as we deem appropriate. For example, if you started your Premium Membership or became a paying member on March 31st, your next payment date is likely to be April 30th, and your Payment Method would be billed that date.
Cancellations and Refunds
You may cancel your Finology Premium Membership at any time for any or no reason. If you have cancelled your Finology Membership, you will lose access to all Premium features you enrolled into during your Finology Membership at the end of your billing period. If you choose to sign back up as a paying member, your billing date will reset to the day you paid.
Payments are non-refundable and there are no refund or credits for partially used periods. Following any cancellation, however, you will continue to have the benefits of your Finology Membership through the end of your current billing period.
We reserve the right, at any time, to change any fees or charges for using any services provided on the Service (or to begin charging fees for any free service), provided that such changes will not apply to fees or charges paid or free services used prior to the time of the change. Further any price change to your service will take effect following prior intimation to you.
There shall be no Free Trials under FINOLOGY RESERVE (including any other investment advisory product by whatever name called)
Nothing contained in this pricing section shall apply in respect of FINOLOGY RESERVE (including any other investment advisory product by whatever name called) and the same shall be governed by the Investment advisory agreement entered into by and between the user and the Company.
The Company (including its employees, affiliates, partners or other representatives, etc.), third-party service providers may communicate with the user over phone and/or e-mail and/or SMS and or push notifications or any other form of electronic communication in connection with your usage of the website or availing of any services. This consent overrides any registration for Do Not Call.
Further, You agree and confirm that if your number is registered in the Do Not Disturb (DND) list of TRAI, you may not receive SMS/phone communication, for which the company shall not be liable and you shall be responsible for taking appropriate steps to de-register from the DND list of TRAI.
The Company relies on Third Party Service Provider(s) for sending /delivery of SMS/e-mail alerts/WhatsApp/push notifications/OTP services. The readability, accuracy, and timely delivery is not in the control of the company and is subject to the performance and infrastructure of the third party. Thus, the Company does not take any responsibility or any liability, whether contractual or legal for any readability, non-delivery, delayed delivery, or skewed delivery of the messages, notifications, OTPs, etc.
GOVERNING LAW & JURISDICTION
This Agreement shall be entered into by the Parties, governed, interpreted, construed and enforced according to laws applicable within Raipur District of Chhattisgarh State, India, without giving effect to any choice of legal rules and principles. In case of any dispute between the Parties, the same shall be subjected to jurisdiction of appropriate courts within Raipur District of Chhattisgarh State.
Users using, accessing, browsing through or entering into this Agreement in any way from jurisdiction other than India are solely responsible for compliance with the laws in force in Raipur, Chhattisgarh and any local laws applicable. The Users waive all defences of lack of jurisdiction or inconvenience of forum.
DISPUTE RESOLUTION CLAUSE
Mediation- In case a dispute arises between the parties, the parties will attempt to resolve the same amicably between them, through mutual understanding. If the parties are unable to reach a common ground within 30 days of one party communicating of existence of dispute to the other, the dispute will be resolved through arbitration.
Arbitration- The parties agree that when they are unable to resolve the dispute through Mediation, the said dispute will be resolved through arbitration. The parties further concur that the arbitration proceeding will be presided by a Sole Arbitrator, who would be appointed by the Company on its sole and exclusive discretion. The language for arbitration would be English. The seat of arbitration would be Raipur, Chhattisgarh.
All content, information and services provided through the Website are provided on an ‘as-is/as-available’ basis and You use the same at your own volition and risk. Neither the Company nor the Website provides any warranty whether express or implied regarding satisfactory quality, suitability for any particular purpose or any other implied warranty of merchantability as to the result or outcome You may derive out of Your use of the Website or any such result or outcome You may attain out of a relationship you elect to create with any Professional or third-party through the Website. We do not and neither do any of our employees, agents, licensors or any authorised personnel make any representations or provide any warranty as to the ability of any Professional or third-party to obtain a favourable result for any User.
The Users are hereby informed that the Company shall strive to provide the best service to every user but cannot and does not provide any warranty as to the completeness or accuracy of any content or services or that the services provided through the Website will be error-free, uninterrupted or always available. The Users are also informed that they use the Website or avail its services and download the content available thereof on their exclusive and sole discretion and risk.