Terms


Acceptance of Terms
This website is offered to the user of the Service (User) on the condition that the User accepts the terms contained herein, without any modification whatsoever. For the purposes of this Terms of Use, 'Service' shall mean and include, without limitation, access to all, one or some of the following: - HTML Code, literature, information, software, products, tools, online educational course material and Services, whether authored by Moneylife Advisory Services Network (MAS) or by any third party and published, provided or made available on advisor.moneylife.in, whether subscribed or free.

Intellectual Property Rights(IP):
Moneylife Advisory Services hereby grants to the User, the right to use the Service in accordance with these terms, and for no other purpose. Please note that all elements contained on this Website including all individual articles, columns and other elements making up the Service are also Copyrighted works and are owned by Moneylife Advisory Services and/ or its Suppliers and are protected by Copyright, Service Marks and Trademark laws, International Treaty provisions and/or other proprietary rights under the laws of India and this Terms of Use. By using the service you agree to abide by all applicable Copyright and other laws as well as any additional Copyright notices or restrictions contained in the Service. Moneylife Advisory Services or other third parties shall be entitled to obtain equitable relief for any violation of their IP, over and above all other remedies available to it to protect its interests therein. Violators will be liable to be prosecuted to the maximum extent possible. Copying for reproduction, for redistribution or other purpose of the website or any part thereof including but not limited to text content and graphics to any other server or location including caching of any kind is expressly prohibited. The Service is a non-exclusive, non-transferable, non-assignable, non-sub licensable, revocable license to the User. The Service is not sold to the User. Moneylife Advisory Services owns the Service, its applications and Trademarks.

Links to third Party Sites:
This Website may contain links to Websites operated by parties other than Moneylife Advisory Services. The links in this Site will let the User leave Moneylife Advisory Services and proceed to the linked site. The User's use of each such site is also subject to this Terms of Use and other Terms of Use, if any, contained within each such site. In the event that any of the Terms contained herein conflict with the Terms of Use contained within any such site, then the Terms of use for such site shall prevail. The linked Sites are not under the control of Moneylife Advisory Services and Moneylife Advisory Services is not responsible for the contents of any linked Site or any link contained in a linked Site, or any changes or updates to such sites. Moneylife Advisory Services will not directly or indirectly be liable for any loss that may arise to the User as a result of his accessing the linked Sites.

Your Obligations:
1You:
1.1 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;

1.2 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;

1.3 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;

1.4 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;

1.5 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);

1.6 will not attempt any unauthorised access to any part or component of the website(s) and/or the services;

1.7 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.

1.8 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.

Limits on Personal and Non-Commercial Use:
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 website. 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.

Hyperlinking to Site and Referencing Site Prohibited:
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 (advisor.moneylife.in) 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

You shall ensure that your comment is not inflammatory, abusive, derogatory, defamatory &/or obscene, or contain pornographic matter and/or does not constitute hate mail, or violate privacy of any person (s) or breach confidentiality or otherwise is illegal, immoral or contrary to public policy. Nor should it contain anything infringing copyright &/or intellectual property rights of any person(s).

User Comments are made available to you for your information and personal non-commercial use solely as intended through the normal functionality of the Moneylife Advisory Services Service. User Comments shall not be used, downloaded (either permanently or temporarily) copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, downloaded, or otherwise exploited in any manner.

Posts on Moneylife Advisory Services will be governed by terms and conditions, which will be in addition to these Terms of Use. Any Subscriber posting query, views, comment's on Moneylife Advisory Services hereby agrees to be bound by these additional Terms and Conditions.

Posting Comments:
The views, opinions and comments posted are your, and are not endorsed by this website. You shall be solely responsible for the comment posted here. Moneylife Advisory Services reserves the right to publish, edit, modify, delete, reject, or otherwise remove any views, opinions and comments posted or part thereof.

Use of Password
User shall be responsible for creating and safe keeping of his Password given by Moneylife Advisory Services. 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 Moneylife Advisory Services. Moneylife Advisory Services does not have access to such password since it is generated by the User reset randomly on the Moneylife Advisory Services system, 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 Moneylife Advisory Services 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 Moneylife Advisory Services employees accessing the User's password without authorization shall be borne by the User.

Limitation of liability
The User agrees that neither Moneylife Advisory Services 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 Moneylife Advisory Services or its employees have been advised of the possibility of such damages.

The User further agrees that Moneylife Advisory Services 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.

The User also agrees that his sole remedy under this Terms of Use is cancellation of the Service. By viewing, using, or interacting in any manner with this site, including banners, advertising, or pop-ups, and as a condition of the website to allow his lawful viewing, Visitor forever waives all right to claims of damage of any and all description based on any causal factor resulting in any possible harm, no matter how heinous or extensive, whether physical or emotional, foreseeable or unforeseeable, whether personal or business in nature.

MEMBERSHIP / REGISTRATION / SUBSCRIPTION - TERMS & CONDITIONS
If you wish to access the benefits of the 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.

If you are accepted as a member, 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.

Upon registration as a premium member, 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 the Website, whether in respect of the Subscription Services or the Free Services ("Personal Information"); and

b) Implement any changes to the Personal Information, immediately
c) If needed, upload all the necessary data regarding your investments and insurance at the appropriate locations on the website ,

d) If needed, upload all subsequent transactions regarding investments and insurance

The updated information will be used by Moneylife Advisory Services from time to time to graphically represent the progress of such investments / plans, in addition to sending you regular updates, mailers and alerts on the respective/related products and services.

e) Receive calls, sms or emails regarding our products or services and various promotional offers for solicitation.

Cancellation & Refund Policy for premium services:
Your subscription will be enabled immediately on receipt and clearance of your payment.

Cancellation of Memberships including Add-on Memberships to Moneylife Advisory Services would not be allowed. Moneylife Advisory Services will not be liable for any refunds thereof.

Access Fees:
Moneylife Advisory Services reserves the right reserve to charge fees for access to any service provided by it, after duly informing its members by email and notification on the websites.

Moneylife Advisory Services may offer any of its service 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 Moneylife Advisory Services. It shall put up a notice to this effect with necessary details at the relevant point of time.

Privacy
The User represents that he is aware that in the process of subscribing to the Service or parts of it, Moneylife Advisory Services may obtain information relating to the User, including that of a confidential nature regarding financial information / transactions / investments in any product or services through any third party / intermediary, which may be used by Moneylife Advisory Services in graphically representing the users progress in such investments / plans, in addition to sending him regular updates, mailers and alerts on the respective / related products and services.

This information will be used by Moneylife Advisory Services for its internal purposes and will be kept confidential. Notwithstanding anything contained above, Moneylife Advisory Services 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 Moneylife Advisory Services, to protect Moneylife Advisory Services rights or property or for other bonafide uses. The User agrees and warrants that all information that Moneylife Advisory Services may possess or may obtain pursuant to the use of Service has been possessed or obtained with the permission of the User.

Submissions
User agrees as a condition of viewing, that any communication between User 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.

Monitoring
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).

Copyright
In addition to the general restrictions above, the following specific restrictions and conditions apply to your use of content on the Moneylife Advisory Services Website.

The content on the Moneylife Advisory Services 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 Moneylife Advisory Services, 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 Moneylife Advisory Services. Moneylife Advisory Services reserves all rights not expressly granted in and to the Website and the Content.

You may access all information solely:

a) for your information and personal non-commercial use;

b) as intended through and permitted by the normal functionality of the Moneylife Advisory Services Service; and

c) for Streaming.

"Streaming" means a contemporaneous digital transmission of an audiovisual work via the Internet from the Moneylife Advisory Services 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 Moneylife Advisory Services Content and other content only as permitted under these terms. Moneylife Advisory Services reserves all rights not expressly granted in and to the Moneylife Advisory Services Content and the Moneylife Advisory Services 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 Moneylife Advisory Services Website or features that prevent or restrict use or copying of any Content or enforce limitations on use of the Moneylife Advisory Services Website or the Content therein

Termination
If the User violates any term of this Terms of Use, Moneylife Advisory Services may terminate the User's access to this Website, without waiving any other rights. The User would continue to remain liable for any liabilities that may have arisen before the termination.

Moneylife Advisory Services reserves the right to deny, restrict or terminate access of registration, as a user of the Subscription Services and/or the Free Services at our sole discretion, for violations of terms of use and / or misconduct with other members or with the MAS management or any other reason at management's sole discretion, that is not in keeping with the spirit, objective philosophy of MAS. Such denial, restriction and termination may ordinarily but not necessarily be preceded by repeated warnings of such violation.

On such denial, restriction or termination, Moneylife Advisory Services may at its discretion, may offer pro rata refund of the services of the paid member and no other compensation.

Members who have only free access and not premium members will not be entitled to any compensation for terminal of service. Members either premium or free have the right to terminate their membership at any time. For such termination it can demand deletion of all data with MAS and termination of all communication and nothing else.

ONLINE PAYMENTS - TERMS & CONDITIONS

A. Online Card Payments: One-time payment:
Credit/Debit Card payments are processed through an online payment gateway system "EBS". 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 "EBS", an authorization code and confirmation of completion of transaction. The information provided is used by the payment gateway system "EBS" to process the payment.

Please note Moneylife Advisory Services does not save or store your credit card information on any of it's servers. This information is passed on to our payment gateway - EBS for processing.

Moneylife Advisory Services, 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.

Internet Banking
If you have an account with any of the banks made available for making payment by online payment gateway "EBS", 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.

Transaction Confirmation
Once your transaction has been completed, you will receive a confirmation of your transaction from Moneylife Advisory Services. 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.

B. Online card payments: Auto debit facility:
"Auto Debit facility" means the facility wherein you have authorized Moneylife Advisory Services 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 basis are processed through Bank payment gateway/s or any other payment gateway system that Moneylife Advisory Services 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.

Transaction Confirmation
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 Moneylife Advisory Services 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, Moneylife Advisory Services would, on a best effort basis send an advance notification mail every time your subscription fees become due and payable.

Modification/Cancellation of Credit Card facility:
You may request for cancellation of auto debit service by giving 30 days notice or such period as may be specified in a particular offer. The notice should be sent to Moneylife Advisory Services 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.

Moneylife Advisory Services 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 Moneylife Advisory Services a party to any such dispute and Moneylife Advisory Services shall not be liable to you for any consequence arising out of the fraudulent or disputed transactions.

Moneylife Advisory Services 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 facility or to withdraw it completely.

This facility is available to Master and VISA cards issued in India.

No extra cost will be charged to you for this facility. In the event you are dissatisfied with the auto debit 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.

Disclaimer:
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.

Moneylife Advisory Services will not be liable for any loss or damage caused by the misuse of such information due to your negligence or default.

Moneylife Advisory Services 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.

GENERAL TERMS & CONDITIONS

INDEMNIFICATION
The User agrees to indemnify, defend and hold harmless Moneylife Advisory Services, 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 Website, the Service contained herein, the violation of any intellectual property or any other right of any person or entity.

DISCLAIMER OF WARRANTIES:
Moneylife Advisory Services aims to offer information about Investment and insurance products and services. Moneylife Advisory Services is not an investment advisor or stock broker or distributor. Moneylife Advisory Services does not act as agents and are not agents or intermediaries of any company / dealer / insurer. They are also not the sub-agents or sub-intermediaries of the agents and intermediaries of the respective companies / dealers and insurers. Under no circumstances should any content from this website be used or interpreted as a recommendation for any investment and trading or for solicitation of any insurance product.

Information offered by Moneylife Advisory Services should not be construed as advertising for buying or selling of any financial product. The contents of this website are for research, information and educational purposes. Our effort is to offer accurate and unbiased opinions. The User warrants that he/she/it shall obtain independent advice before making taking an financial decision based on such information.

The views, articles, reports, educational course material and other contents are provided on an "As Is" basis by Moneylife Advisory Services. Use of the Service is at any persons, including a Subscriber's/Client's, own risk. Information herein is believed to be reliable but Moneylife Advisory Services 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.

Moneylife Advisory Services 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.

Moneylife Advisory Services 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, research reports, analysis, quotes, educational course material etc. provided on the website.

Moneylife Advisory Services 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. Moneylife Advisory Services does not warrant accuracy of any feed from the stock exchanges/ currency/commodities exchanges or any other third party.

Moneylife Advisory Services 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. Moneylife Advisory Services shall not be responsible for any downtime of such equipment.

Moneylife Advisory Services 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.

DISCLAIMER FOR HARM CAUSED TO YOUR COMPUTER FROM INTERACTING WITH THIS WEBSITE

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.

GOVERNING LAW AND JURISDICTION
This Terms of Use is governed by the laws of the Republic of India. The User hereby consents and submits to the exclusive jurisdiction and venue of Courts in Mumbai, India in all disputes arising out of or relating to the use of this Website or Service.

FOREIGN JURISDICTIONS
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, 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 Moneylife Advisory Services for any liability Moneylife Advisory Services 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.

COPYRIGHT NOTICE
The proprietors of any and all material found on this website is Moneylife Advisory Services. The material is protected by the provisions of the Copyright Act, and Moneylife Advisory Services has exclusive rights to dispose of the material found on the website. The contents may not be made available outside of the private sphere or copied for a purpose other than for private use or as prescribed by involuntary statute, except with Moneylife Advisory Services' written consent.

As copying is also considered downloading and storage on any computer, disk or other device designed to reproduce the material. As making the content available is considered active transmittal or handling over of the materials to others, as well as placing the material at the disposal of other. The material may be read on-screen, on-spot and on-line.

MODIFICATION OF THESE TERMS AND CONDITIONS
Moneylife Advisory Services reserves the right to change, without notice, these Terms under which the Service is offered. The User's continued use of the Service will be subject to the Terms of Use in force at the time of the Use.

You agree to review these terms of use periodically since subsequent use by you of this site shall constitute your acceptance of any changes. Moneylife Advisory Services shall have the right at any time to change or discontinue any aspect of its site, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions shall be effective immediately upon posting and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes,

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