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Terms of Use

The company Transcend Consulting (India) Private Limited (TCIPL) is the owner of this website and will be hereinafter referred to as either “TCIPL” or “the company” as the case may be.

“Website” is defined as www.transcend-india.com, www.onlinefinancialplanning.in, www.financialplanningonline.in, www.onlinefp.in, www.planninglounge.in, www.kartikjhaveri.com, www.planninglounge.org and all the other domains and sub-domains hosted by TCIPL.

A “User” is defined as anyone who accesses the website of www.transcend-india.com and any of its domains and sub-domains. Such user may be any type of user viz., internal employee, contractor, freelancer, journalist, customer being an individual, firm, company or any other entity, prospective customer of this website being an individual, firm, company or any other entity and for sake of brevity all users are hereinafter referred to collectively as “user” or “users” as the case may be. Everywhere in the website where we state the words “you” or “your” it is being referred to you as user / users of the website as the context may be. TCIPL reserves the right to select the user of this website and take decision as to whether to permit or not any person to use services provided on this website.

A “Registered User” is defined as anyone who has registered with the company by providing personal identification details. Such registered user accesses the website of www.transcend-india.com and any of its domains and sub-domains. Such registered user may be any type of user viz., internal employee, contractor, freelancer, journalist, customer being an individual, firm, company or any other entity, prospective customer of this website being an individual, firm, company or any other entity and for sake of brevity all users are hereinafter referred to collectively as “user” or “users” as the case may be. Everywhere in the website where we state the words “you” or “your” it is being referred to you as user / users of the website as the context may be.

A “contributor” is a registered user who may make comments and publish information via facilities offered by the website in its primary domain or sub-domains.

The “content/s” is defined as everything a user sees and / or reads on the website. This includes information, data, software, photographs, graphics, text, images, logos, icons, typefaces, audio and video material, reports, service delivery reports, annexure/s whether available freely or purchased by the user and in general any other material in any page and in general the entire website.

The “location” is defined as the primary premises from where the website www.transcend-india.com is maintained by TCIPL. The location is the registered office of the company located at 604 Raheja Centre, 6th Floor, Nariman Point, Mumbai 400021. Tel.: +91 - 22 - 4002 4043 / 44 / 45.

Applicability: User/s agrees that all the terms of use, privacy policy, disclaimer and any other rules and terms as specified in the website is applicable to the user/s even if the user has not read this entire section of legal & disclaimers. By virtue of users using, reading, utilising information and services of this website you agree to all terms, conditions and restrictions that have been enforced now and any amendments made to it in future.

Content Ownership & Copyrights:

Users acknowledge and agree that this Web site contains content is the property of the company. It is protected by copyrights, trademarks, or other proprietary rights, and that these rights are valid and protected in all forms, media, and technologies existing now or later developed. The compilation (meaning the collection, arrangement, and assembly) of all content on this website is the exclusive property of TCIPL and is protected by Indian and international copyright laws. User/s may not copy, modify, remove, delete, augment, add to, publish, transmit, participate in the transfer, license or sale of, create derivative works from, or in any way exploit any of the content, in whole or in part. No part, content, information or material of this page or website may be used for any purpose other than discussion and/or interaction with the company as may be allowed / permitted on the website. The contents must not be copied or distributed, transmitted, transcribed, stored in a retrieval system, translated, in any form or by any means, electronic, mechanical, magnetic, manual or otherwise, without the express written permission of TCIPL. Any breach of the above would be an illegal act.

Restrictive Jurisdiction:

The information provided on this website is not intended for use outside India, or in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject TCIPL or any affiliate to any registration requirement within such jurisdiction or country. This website is operated by TCIPL from its office in Mumbai, India, and the information on this website may not be appropriate for use in or from jurisdictions outside India. These terms and conditions and any issues relating to the information available on this website, are to be governed exclusively by the laws of the Republic of India. The use of this website constitutes user/s irrevocable agreement that the tribunals located in Mumbai City, have the sole and exclusive jurisdiction over any dispute relating to this website and the information contained in it.

No Advice:

This website and its contents are for information and educational purposes only. Neither the information nor any opinion contained on this website constitutes any kind of advice, a solicitation or offer pertaining to any industry or pertaining to buying or selling any goods, product/s, equity shares, mutual funds units, insurance products, securities, futures, options or for that matter any product available anywhere in the world and offered by any institution whether Indian or foreign. The same may not be used to conclude any commercial transactions including buying, selling, redemptions, pledges etc.

Investments are subject to inherent risks; an investment discussed and/or recommended somewhere may not be suitable for all user/s. The person using the information provided on this website may take investment decision after considering his investment objectives, risk factors and as per the professional advice sought. You are specifically advised to seek professional financial advice regarding the appropriateness of investing in any securities or investment strategies discussed or recommended in this website and should understand that statements regarding future prospects may not be realized.

TCIPL is not using this website to provide any advice whatsoever, and no information or material on this website may be relied upon for the purpose of making or communicating any investment or business decisions. The information, opinions and material provided on this Website are subject to change without any prior notice.

TCIPL or its employees, affiliates, directors and persons involved in preparation in this information may buy or sell or take possession in investment instruments dependent or independent of the opinion and information contained in the Website at any time.

If you choose to subscribe to any online services consider them as a guideline and you will be responsible for any decision you take based on the information provided in the website, its reports and any other service outcome. This will be applicable now and to any amendments made under this clause in future.

Limitation of Liability:

The information and materials contained on this Web site are provided "as is," and TCIPL does not warrant the accuracy, adequacy or completeness of any such information and materials, and expressly disclaims any liability whatsoever for any misrepresentation, inaccuracy, falsification, errors or omissions in such information and materials. Any dated information is published as of its date only, and we do not undertake any obligation or responsibility to update or amend any such information. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

TCIPL does not warrant that use of the website will be uninterrupted or error-free. Users are responsible for taking all precautions necessary to ensure that any information and materials they may obtain from or through this website is free of viruses and other disabling contamination. In no event will TCIPL be liable for any damages, including without limitation, direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this website or its use, or the inability to use, by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if TCIPL, or its representatives, are advised of the possibility of such damages, losses or expenses.

A person relying on the website and any content available through the website does so solely at his own risk. The Company, each of its officers, directors, subsidiaries, affiliates, agents, or licensors shall not be liable for incidental, indirect, consequential, special, punitive, exemplary damages, or any damages whatsoever, including but not limited to damages for lost revenues or profits, loss of business or loss of data arising out of or in any way related to the use and performance of the website or for any claim, loss or injury based on errors, omissions, interruptions or other inaccuracies arising out of the use of the website, whether based on contract, tort, negligence, strict liability or otherwise. You are requested to use your own discretion before initiating any action based on the report/data viewed on the website.

The content of research reports, articles and the interpretation of data are solely the personal views of the contributors and the same may not be treated as the views of TCIPL.

TCIPL does not warrant that the online services and the recommendations stated therein will be bug-free or error free. TCIPL will make best effort to ensure that the website and all calculations are working properly however at any point in time should the website or calculations in its online service do not work properly the user/s waive all rights irrevocably to TCIPL for any sort of remedy and / or compensation whatsoever whether legal or otherwise. User/s use of any third-party links contained on this website is at your own risk. The content to which you link has not been developed, checked for accuracy or otherwise reviewed by TCIPL, which makes no guarantees or representations as to, and shall have no liability for, any third-party website, including without limitation, the accuracy, subject matter, quality or timeliness of any electronic content. You hereby waive any claim you might have against us with respect to such other websites.

This website is not intended for use by children and minors. Parents are requested to ensure that personal information is not provided by minors on TCIPL. However, this does not intend to prohibit information on minors and children being provided by the parents with respect to any product or service offered by TCIPL or any other third party permitted to offer any product or service on its site, which are beneficial to or are designed for the benefit of children and minors.

Contract:

TCIPL owns and operates the web site www.transcend-india.com. The services of the website are offered to you if you are legally eligible to enter into a valid agreement and when you accept the terms, conditions, and notices contained herein without modification whatsoever. Please carefully note that by using this website, you are agreeing to be bound by all of the terms and conditions of TCIPL website service.

Basic usage of the website inclusive of activities like reading, understanding, sharing does not create any contractual or other legal rights in favour of any user/s. In the event that a user has purchased any service from the website of TCIPL then the user is entitled to enjoy the benefits of the service chosen.

If the service/s purchased is online service/s then under no circumstances can the user/s demand the same to be offered by the company on a customised and / or offline basis. If for any reason the user is unable to use the service/s that have been purchased the company shall provide all the guidance needed over phone / email to the user/s. If there is any technical issue the company will ensure that any such issue/s are resolved at the earliest. If for any reason the company is not able to resolve the issue the company will at its discretion offer the same service to the user in an offline mode or any other mode of delivery deemed appropriate by the company. This statement and the policies outlined herein are not applicable to any other third-party user on behalf of any other user.

If the service/s purchased is offline services then the company will deliver the service as stated on the website and as per terms of the consulting agreement.

TCIPL reserves the right to change any or all of the terms and conditions any time under which the services are offered. In the event of such change, TCIPL notifies all users by presenting the revised terms and conditions on the website. You agree that it is your responsibility to regularly review the terms and conditions and your continued use of TCIPL services subsequent to any such changes shall represent your agreement to such changes.

Prohibitions:

TCIPL expressly prohibits you from any unauthorized commercial use or resale of its services. You agree to comply with all rules, regulations, statutes, codes of conduct valid as per any local, state, national and international laws in force. User/s irrevocably agrees that they shall make no attempt whatsoever to make any derivative work of the content/s of the website. The user/s also agrees not to hire / instruct / induce any third party to make any derivative work of the content/s of the website. User/s agrees to all actions taken on them by the company whether legal, punitive, compensation for damages as deemed appropriate by the company should the user/s be found making any sort of derivative work of the company’s content. User/s waive the right to contest against the company in such circumstances.

TCIPL expressly prohibits you from engaging in any of the activities illustratively but not exclusively mentioned hereunder, but not limited to:

►  Insult, exploit, torment, hound, intimidate or otherwise infringe the legal rights of others. Circulate, disseminate or propagate any improper, derisive, slanderous, infringing, vulgar, offensive, dishonest, criminal or illegal information or material.

►  Fabricate a fake identity to mislead anyone in respect of the identity of the sender or the origin of a communication. Obstruct or interrupt systems connected to the website services or infringe the rules, policies or procedures of such systems. Try to secure unauthorized access to the services provided by TCIPL, computer systems or networks connected to website other members' accounts, through password hacking or any other method. Transmit any substance that contains viruses, Trojan horses, worms, time bombs, cancel bots, or any other harmful or deleterious programs. Obstruct another member's use and enjoyment of the services offered by TCIPL

►  Send any content governed by intellectual property laws, rights of privacy or any other applicable law except in case you possess the rights thereto or have received all necessary consents. Infringe any applicable laws or regulations including, without limitation, laws relating to the information technology in India or elsewhere.

►  Use TCIPL or its services to conduct surveys, competitions, pyramid schemes, chain letters, unsolicited e-mail, or unwanted messages for profit or otherwise. Dig for or otherwise gather information about others members, including e-mail addresses, without their consent. Provided further, that it shall not be binding on TCIPL to part with such information even if the consent is obtained.

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Privacy Statement

We do not sell any information about our Website users.

We know that you value your privacy, and so we do not disclose your personal information to anyone unless it is required by law, directed by you, or necessary to provide our services to you or on your behalf. We do not sell client personal information to anyone.

We are committed to protecting your privacy and work towards offering you a powerful, safe, online experience. To avail some of the services offered by us you will need to sign up and sometimes provide elaborate details. Such information is provided by individuals on a voluntary basis. Several methods like e-mailers, online services etc may be used to collate your information and provide you with relevant outputs.

We may collect unnamed statistics, which does not personally identify you. The company reserves the right to perform statistical analyses of user behaviour and characteristics in order to measure interest in and use of the various areas of the site and to inform advertisers of such information as well as the number of users that have been exposed to or clicked on their advertising banners. The company may provide only aggregated data from these analyses to third parties.

We believe in promoting amity among users to promote collaboration and free exchange of ideas. We may provide specific services to users to post messages, e-mails, information, participate in chat sessions, news groups and other affinity group activities on the site and off the site. During such activities, you may provide your personal information beyond what has been given in your personal profile. Our privacy policy excludes information transmitted through these activities. While we encourage you to actively participate in such activities, we advise you to be careful in sharing your personal information and respect the privacy of other users as well.

Users are also made aware that certain information and data may be automatically collected through the standard operation of TCIPLs website and its functions and/or by the internet servers it is hosted on or through the use of "cookies." If you choose to be a registered user of TCIPL you may need to accept a cookie from TCIPL and will be subject to all such technological issues now and in future.

TCIPL notifies that the information you provide to TCIPL may be stored in a secured server.

TCIPL reserves the right to change this policy at any time. If TCIPL decides to change this policy, such changes will be posted on this page as soon as possible. Users may note that this privacy policy itself and any such change of policy will be may be effective from the date announced by TCIPL and not from the date of posting on the site.

However, users and viewers are informed that by using the web site www.transcend-india.com, they are deemed to have consented to the collection and use of information by TCIPL as stated above.

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Disclaimer

This disclaimer clause shall be applicable to any person visiting/accessing this Website and/or a customer entering into an agreement related to availing of the services offered by TCIPL.

TCIPL offers the website services for your authentic, bona fide, valid, legitimate and personal use only. You declare that you will not use TCIPL services for any purpose that is unlawful, dishonest, unauthorized, improper and/or in contradiction of the terms, conditions, and notices contained herein. For accessing certain privileged information on this website, you will be provided with a password sent through a separate communication. You are totally accountable for all actions that take place in your account. It is entirely your responsibility to maintain the confidentiality of your password and identification and also to inform TCIPL without delay of any dishonest, unauthorized or illegal use of your account. User/s is wholly responsible for all actions or lapses that take place through your membership account or password, including the content of your messages sent through www.transcend-india.com both online and offline. You specifically agree to indemnify TCIPL, its parents, subsidiaries, affiliates, directors, officers and employees, any loss, claim, demand, or damage, including legal expenses, incurred due to or arising out of your use of or conduct in respect the services offered by TCIPL.

The Company may also make improvements and/or changes to the website provided therein at any time. Further, the Company shall not be considered in default of its obligations hereunder if performance of such obligations is prevented or delayed by causes beyond its reasonable control, including, without limitation, internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, non-performance of third parties etc. The Company reserves the right (but is not required) to correct any errors or omissions on the website.

TCIPL is not responsible per se for monitoring its services or any user's use thereof or restrain or regulate the messages, content or subject matter of any user delivered through the services offered by TCIPL website. Nevertheless, TCIPL reserves the right always to regulate, restrain, monitor, review, retain and/or divulge any information as necessary to satisfy any applicable rules, regulation, law, court or government order or to protect and defend the rights of other users or to enforce the terms of service which are binding on all the users of TCIPL website. TCIPL reserves the right to terminate your access to the site wholly or partially and/or cancel your membership account, at any time without assigning any reason or giving notice whatsoever. TCIPL is not responsible or accountable for any intimidating, offensive, vulgar obscene, improper or illegal content or conduct of any member or any breach of another member's privacy or privileges or intellectual property rights.

TCIPL may have business relationship with the companies mentioned herein and may enter or might have entered in to any contract or have any transaction in the ordinary course of its business. To facilitate user convenience, TCIPL may arrange for advertisements, promotions and refer to or provide information or links to third party sites in respect of any investment or non-investment related products or services. However this must not be construed as any sort of endorsement from the company.

TCIPL is committed to protecting your privacy subject to the Privacy Policy expressly stated elsewhere in the web site. You agree that you have read the contents of the Privacy Policy and are bound by it in every respect.

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