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PRIVACY POLICY

Thank you for visiting www.finlatics.com (“Website”). At Finlatics, your privacy matters to us and maintaining privacy of your information is of utmost importance to us, so whether you are new to our Website or are a regular user, it is important that you take the time to carefully read our Privacy Policy. We created this privacy policy (“Privacy Policy”) with a fundamental respect for our users’ right to privacy and to guide our relationships with our users. This Privacy Policy describes how Finlatics may collect, use and share information you provide when using our Website. 

The term "Services" includes the website www.finlatics.com together with any related sub-sites, sub-domains, mobile and software applications, services, features and/or content associated therewith. For purpose of this Privacy Policy, the terms "we," "us" and "our" refer to Finlatics and “you” refers to each visitor to this Website.

This Privacy Policy is a legally binding document between you and Finlatics in electronic form and will govern the relationship between you and Finlatics.

By using this Website, you indicate that you understand, agree and consent to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use this Website.

This Privacy Policy is incorporated by reference into and is made a part of the Terms of Use. We will ask for your consent before using your information in any manner and for any purpose other than as described in this Privacy Policy.

International Visitors:

The Website, Services and all parts thereof are meant solely for users in India. If you are accessing our Services and/or are a visitor to the Website from a territory outside India, we urge you to cease any access to the Website and/or any of its Services at once. Should you continue to access the Website and/or the Services, you may do so at your risk and such access shall be deemed as your consent to the collection and use of your Information as described in the Privacy Policy, including being governed by the laws of India.

The Information We Collect:

We collect user information to facilitate and improve our Services and communicate with you whilst ensuring adherence to existing regulations. We receive both information that is directly provided to us, such as information you provide to us when you visit the Service, and information that is passively collected from you, depending on your interactions with us, the choices you make, including your privacy settings (collectively referred to as the “Information”).

Information You Provide to Us: We may ask for and collect the following information, when you use the Website and to enable you to access certain requested Services:

• Personal details (eg: name, gender, date of birth, phone number, email id, postal address);
• Educational details (eg: institutions, qualifications, certifications, grades, percentile);
• Professional details (eg: professional background, designation, employment history, profile picture);
• Account details (eg: user name, password);
• Transaction details (when you make purchase or respond to offers);
• Communications (when you participate or post material in message boards or forums, participate in polls or surveys, write a review or testimonial, contact us with a question, comment, request etc).

General Information that is Passively Collected: We, third party service providers, advertisers platforms, or other partners may use automated means to collect various types of information about you, your computer or other device used to access our Services. A representative, non-exhaustive list of types of such passively collected information may include: network or internet protocol address, browser, operating system, internet service provider domain(s) used, mobile network, device identifiers, device settings, browser settings, web page(s) visited, handheld or mobile device and the content and advertisements you have accessed, seen, forwarded and/or clicked on. Please see our Section titled “Cookies” for more information about how the foregoing information may be collected and used.

Geographic Location Information: If you are accessing Services from a desktop or handset, you may be asked to share your geo location information (GPS level) with us to enable us offer certain customized Services to you.

Information Collected By and From Social Media Services and Other Third Party Platforms: You can also engage with our Services and other offerings on or through social media or other third party platforms such as LinkedIn, Instagram, Facebook or other third party platforms, plug-ins, integrations and applications; wherein you may grant us access to certain information in your profile including without limitation, name, e-mail address, profile picture, gender, birthday, location.

You hereby acknowledge to Finlatics that:

The Information you provide to us from time to time is and shall be authentic, correct, and updated and you have the requisite rights, permissions and authority to provide such Information to Finlatics.

Your providing Information to Finlatics and our consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any laws, judgments, orders, decrees charter documents and/or third party agreements.

Finlatics and each of its entities, officers, directors, contractors or agents shall not be responsible for the authenticity of the Information that is provided by you or any other user to Finlatics. You shall indemnify and hold harmless Finlatics and each of its entities, officers, directors, contracts or agents and any third party relying on the Information provided by you in the event that you are in breach of this Privacy Policy including this provision and any other provision of this Privacy Policy.

The Information provided by you shall be stored in electronic form however certain Information can also be stored in physical form. We may store, collect, process and use your Information in countries other than the Republic of India but under compliance with the applicable laws. We may enter into agreements with third parties (in or outside India) to store or process your Information. These third parties may have their own security standards to safeguard your Information and we will on a commercial reasonable basis require from such third parties to adopt reasonable security standards to safeguard your Information.

How We Use Information We Collect:

Finlatics collects, uses, stores and processes your information for such purposes as may be required to provide you the Services, as may be permissible under applicable laws and is connected with a function or activity of Finlatics, and shall include (without limitation) the following:

• provide and communicate with you about the Services or your account with us,
• fulfil your requests regarding the Services, including without limitation requests for newsletters and notifications,
• Respond to your inquiries and notify you if you have won a contest/game/quiz etc,
• to provide information to you about the Website, Services and keep you posted on the latest updates, information, and offers.
• to send you surveys and marketing communications that we believe may be of interest to you,
• to personalize your experience on the Website by presenting the advertisements, products and offers tailored to your preference and choice,
• in case you avail of any Services from the Website, to complete and fulfil your purchase such as process your payments, communicate with you regarding your purchase, provide you with customer service etc,
• proper administration of the Website and provide technical support for the Services,
• to conduct internal reviews and data analysis for the Website,
• prevent fraud or potentially illegal activities (including, without limitation, copyright infringement) on or through the Services;
• if you are enrolled in and/or avail any of our Webinars and/or Project(s) and Program(s), we may use the registration information provided by you, including personally identifiable information, to use through your account for managing and processing purposes, including but not limited to tracking attendance, progress and completion of Project(s) and Program(s) and/or Webinar. We may also use this Information to proctor exams, projects and other assessments for each Project(s) and Program(s) and/or Webinar.

Information sharing and disclosure:

We do not share Information with companies, organizations and individuals outside of Finlatics, unless one of the following circumstances applies:

• To service providers or partners that we engage to perform business, advisory, statistical, technical and operational related functions on our behalf or at our instance.
• To comply with applicable laws, regulations, or enforceable governmental requests;
• To enforce any of our applicable Terms of Service, including any potential violations;
• To detect, prevent or otherwise address fraud, security or technical issues; or
• To protect against harm to the rights, property or safety of users of our Services or that of our service providers, as well as the general public and Finlatics as required or permitted by law.
• We may share also certain information with third parties that enable us to provide you with webinars, courses, training sessions and/or hiring opportunities. For eg: We may share such Information that we collect from you when you participate in a course with the third party company (if any) and/or individual(s) who provided, conducted, managed, sponsored, or otherwise facilitated the webinar or course.  Additionally, for any continuing education eligible webinar, we will share information provided to us as well as information regarding your completion of such webinar with the organization issuing continuing education certificates, including without limitation, for the purpose of verifying your eligibility for the continuing education credits.
• To third party payment service providers who may use your information to process the payment, subject to their own privacy policies.
• To a buyer or successor in the event of a merger, restructuring, dissolution, sale or transfer of some or all of Finlatics assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding wherein Information may be shared along with the assets transferred.

Scope of Privacy Policy:

Our Privacy Policy applies only to our Services and its underlying features and offerings. Please note that our Website may contains links to other web pages such as third party advertisements, websites or any electronic communications, whose data privacy and retention practices may differ from ours. We strongly urge you to read the privacy notices of such third party service providers as the same may not be covered by the privacy policy applicable to us.

This Website may offer contests, promotions, applications, social network integrations etc. that are sponsored by or co-sponsored with identified third parties. These third parties may obtain personally identifiable information that is submitted by you in order to participate in such contest, promotions, etc. Finlatics does not control / monitor the third party sponsors’ use of such information and shall not be responsible for any form of transmission, whatsoever, received by you from any third party website.

When using mobile application you may receive tailored in-application advertisements. Each operating system, iOS for Apple phones, Android for Android devices and Windows for Microsoft devices provide their own instructions on how to prevent delivery of tailored in-application advertisements. You can review the privacy settings or the support materials of your respective device in order to opt out of tailored in-application advertisements. Finlatics does not control how the applicable platform operator allows you to control receiving tailored in-application ads and shall not be responsible for the same.

Security and Retention:

We strive to ensure that Information provided to us is protected and safeguarded against unauthorized access, disclosure or destruction. We have also adopted commercially reasonable electronic, physical and procedural controls which may include internal review and audit of the data collection, storage and processing practices, appropriate encryption and other security measures to safeguard the Information. You hereby agree to waive and release us from any claim of damages, loss or claims arising therefrom, whether in contract, tort or law.

Presently, Finlatics does not store credit/debit card and other payment related information and the payment gateway is solely liable and responsible towards the same. We shall retain the Information until such limited time and for such limited purpose as may be required by us. Non-personal and non-identifiable information may be retained by Finlatics indefinitely at its sole discretion.

Notwithstanding anything contained in this Privacy Policy or elsewhere, we shall not be held responsible for any loss, damage or misuse of Information, if such loss, damage or misuse is attributable to a Force Majeure Event. A "Force Majeure Event" shall mean any event that is beyond the reasonable control of Finlatics and shall include, without limitation, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer, computer system or computer network, computer crashes, breach of security and encryption (provided beyond reasonable control of us), power or electricity failure or unavailability of adequate power or electricity.

Cookies and other tracking technology:

We use “cookies” a piece of data stored on your computer or mobile device when you visit a Website. The use of cookies and pixels enable us to track and target the interests of our users to enhance the experience on our Website. Further, beacons may be used in email messages to measure the effectiveness of our messaging and how visitors use our Website. Most internet browsers automatically accept cookies. If you do not want cookies from Finlatics or other websites, you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. However, some Services may not function properly if you disable cookies. This can be done by visiting the relevant support page for your browser.

Privacy Policy Revisions and Updates:

This Privacy Policy shall be periodically evaluated, revised and updated against new technologies, business practices and our users’ needs. Please check this page from time to time for updates. If any material changes are made to this Privacy Policy, the updated Privacy Policy shall be posted here and the same shall be notified to you by emails or by means of a notice on our Website. Your continued use of the Services after our posting of changes to this Privacy Policy means that you agree to be bound by such changes.  

Dispute Resolution:

This Privacy Policy shall be governed and construed in accordance with the laws of India. All disputes arising out of or in connection with this Privacy Policy shall be submitted to the exclusive jurisdiction of the Courts of Mumbai. You hereby irrevocably waive any objection to jurisdiction and venue of any action instituted hereunder and shall not assert any defense based on lack of jurisdiction or venue.  

Complaints and Grievances:

If you have any queries, concerns or suggestions in relation to any of the terms of this Privacy Policy or Terms of Use and other or policies of Finlatics, please contact us at the following:

Email:     care@finlatics.com

Terms Of Use

Welcome to www.Finlatics.com website (“Website”) operated by Fincrux Technologies LLP (“Finlatics”). Throughout the Website, the terms “we”, “us” and “our” refer to the Finlatics and “user” or “you” refers to each visitor to this Website. By visiting and using this Website you agree to be bound by the following terms and conditions (“Terms”). These Terms govern your access to and use of the Website and any of the services we provide through this Website (collectively referred to as “the Services”). Please read these Terms carefully and in the event you disagree with the Terms in any manner whatsoever, kindly do not use this Website, the Services and/or any part thereof. Please note that the Terms are subject to change and modifications from time to time, in order to keep updated with the developments in law and society. Your continued access and use of this Website shall be deemed your conclusive acceptance of any such new or modified terms and conditions that we may introduce.

In some instances, both these Terms and separate terms of service or guidelines document setting forth additional conditions may apply to a Service or product offered via the Website (“Additional Terms”). To the extent there is a conflict between these Terms and any Additional Terms, the Additional Terms shall prevail only to the extent of such discrepancy, unless the Additional Terms expressly state otherwise.

Warranties:

By accessing and using this Website in any manner whatsoever, you hereby represent and warrant that you have read, understood and agreed to these Terms and that you are atleast 18 years old and capable of forming a binding contract with the Finlatics and are not barred from using this Website under applicable law. For individuals under the age of 18, you hereby represent and warrant that your parent or legal guardian has approved your participation on this Website and has read and agreed to these Terms on your behalf and that you hold and will continue to hold all rights necessary to enter into and perform your obligations under these Terms.

You agree to register to the Website, prior to using any of the Services and provide such information and details as may be required by Finlatics for the said purpose. By registering, you certify that all information and details provided by you, now or in future, is accurate.  

You also agree to comply with all the rules, laws and regulations that are applicable to use the Website, including but without limiting to those governing your transmission or use of any software or data.

You agree that Finlatics reserves the right, in its sole discretion, to deny you the access to this Website or any portion thereof without any notice for the following reasons:

• If there has been any unauthorized access or use of this Website by you;
• If you assign, transfer or attempt the transfer or assignment, of any rights granted to you under these Terms;
• If you violate or attempt to violate any of the Terms

Website and Services:

We do not guarantee that access to or use of this Website or any Services will be uninterrupted or error free. Finlatics shall not be liable for any Service and/or feature not being accessible or unavailable. We may expand, limit or modify this Website and/or Services at any time to meet the needs of its users, or for technical or other reasons, without advance notice or reason. We may also, in our sole discretion and at any time whatsoever, discontinue to provide access, whether temporarily or permanently, to the Website, its Services and/or any part thereof, without prior notice. To access some of the content or features of the Website or its Services, users may need to enhance or update the hardware or software in their computer systems. You agree and undertake that you shall be solely responsible for obtaining and maintaining all telephone, computer software and hardware and other equipment required to access and use the Website and that we shall not be liable for the same.

Intellectual Property Rights:

Finlatics is the owner of all intellectual property rights in and arising out of the Website and the material published on it. This Website and its content are protected by copyright, trademark and other proprietary laws. You undertake to not post, distribute, or reproduce in any manner, copyrighted material, trademarks or other proprietary information without obtaining the prior consent or authorization of Finlatics. You agree not to take any action that would violate, jeopardize or impair such intellectual property rights, or the legality and/or enforceability thereof.  We reserve the right to terminate your access and any other privileges of any user who infringes our intellectual property rights.  You shall also be liable for actual and punitive damages as estimated by us and additional damages as rightly determined by a court of law of appropriate jurisdiction.

License:

We hereby grant you a limited, non-exclusive, non-assignable, revocable and non-transferrable license to access this Website provided and expressly contained upon your agreement that all such access and use shall be governed by the Terms set forth herein. The license granted to you is solely for your own personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact. You shall not reproduce, publish, translate, merge, sell, distribute the content or create derivate work of the content on any other website or as a part of educational, training or reference materials. You shall not frame or utilize framing techniques to enclose any content on this Website.

You agree not to, whether directly or indirectly, create a database in electronic or structured manual form by downloading and storing all or any part of the pages from the Website in any manner whatsoever.  No part of the Website or any of its pages or parts of it be reproduced or transmitted to or stored in any other website or be disseminated in any electronic or non-electronic form. Nothing in these Terms will be interpreted to grant you any right, title, interest or license to enter into sub-licenses or re-distribution agreement with respect to the Website and/or any parts thereof, and to otherwise deal in, rent, sell, lease, loan, transfer, assign, broadcast, upload or allow access to the Website.  

Please note that, any Project(s) and Program(s) (as defined herein) purchased by you shall be subject to specific license rights provided for in this Terms of Use.

Content Submitted by You:

This Website may provide you with a platform and opportunity to post or share any content or material, including, without limitation, questions, quizzes, homework, projects, ideas, reviews, suggestions and other content (collectively referred to as “User Content”).  

You understand that such User Content might be perpetually visible online. You agree that User Content shall be treated as non-confidential and non-proprietary and is not returnable. Finlatics strongly urges You to not post anything that You would not be comfortable being made available in public.

You represent and warrant to Finlatics that such User Content is accurate and true to the best of your knowledge, that such User Content does not and shall not violate any applicable law, or cause any injury to any third party, including without limitation infringement of intellectual property, personal or privacy right of any third party. You further agree to indemnify, keep indemnified and hold harmless Finlatics, and its successors, assignees, affiliates, directors, agents, employees from any claim, losses, damages, demands, costs and expenses (including legal costs) incurred due to or arising out of the User Content submitted by You, including if any representations and warranties in relation to the User Content is inaccurate or untrue.  

You agree to grant an unrestricted, unconditional, unlimited, irrevocable, perpetual, worldwide and royalty free right and license to Finlatics  to use, copy, distribute, reproduce, re-sell, sub-license, display, publish, store, reformat, broadcast, modify or otherwise exploit in any other manner whatsoever all or any portion of the User Content for any purpose whatsoever in any format and through any platform including but not limited to any technology or devices now known or later developed and to advertise, market and promote. You acknowledge and agree that Finlatics is entitled to use any ideas, concepts, techniques, know-how contained in the User Content for any purpose whatsoever, including without limitation to developing, manufacturing, marketing products and services using such User Content. To the extent permitted under the law, You hereby waive any moral right or any similar benefit or entitlement that You may have whether in law or in equity in the User Content.

Finlatics reserves the right, in its sole discretion, to alter, modify or delete any User Content for any reason, including without limitation, if such User Content is in violation of these Terms and/or is objectionable.

Widgets:

Finlatics may, in its sole discretion, provide certain widgets subject to these Terms (the “Widgets”).  By accessing and using any Widget (including copying any Widget html code), you agree to be bound by the following:

• You may only display the Widget(s) on a website  you own and operate;
• You may not modify any Widget including without limitation that you may not change any code, obscure or disable any element of any Widget, tag links to Finlatics with a “no follow” attribute or similar mechanism;
• You agree not to make any representations or warranties (express or implied) about Finlatics or the Website;
• You may not suggest or imply any affiliation with, sponsorship, or endorsement by Finlatics;
• You may not place the Widget on any Website that contains any content that is in any way unlawful, harmful, obscene, harassing, or racially, ethnically, or otherwise objectionable. Additionally, you may not place the Widget on any Website that infringes any Finlatics intellectual property or other rights, or violates any applicable law;
• Finlatics grants you a non-transferable, non-exclusive, revocable right to download/display the Widget solely in accordance with the Terms (ii) solely in connection with the Widget, to use our logos, trademarks, trade names and other intellectual property contained in the Widget. This Terms of Use does not grant you any right in any Finlatics code, content, logos or trademarks beyond the limited permission to display the Widget granted herein.
• Finlatics reserves the right at any time to terminate or modify your permission to display the Widget. The Widgets are subject to change from time to time in our sole discretion. We may cease to return content from the Widget at any time in our sole discretion.

Third Party Links:

While we welcome the links to our Website from other websites, any testimonials, opinions, advices, product or service offers, or other information or content made available through these third party links belong solely to the respective third party link providers. We do not guarantee the accuracy, completeness, reliability or usefulness of such information provided by the third party link. You shall be responsible for evaluation of such information/content provided by the third party links and Finlatics shall not be liable for any damage or loss caused by your reliance on or others use of the third party links.  

Investment Decision:

The content on the Website should never be relied upon as the sole basis for making any investment decisions.  This Website does not provide individual or customized legal, tax, accounting or investment services. We and our third party providers, affiliates, agents and licensors will not be liable for any investment decisions made on the content and/or the Website. Investing is inherently risky, any reliance on the content on the Website is at your own risk and you assume any and all risks associated with your investment decisions. Prior to the execution of a stock trade, Finlatics strongly recommends you to consult a qualified professional to verify pricing and other information.

Limitation of Liability:

Under no circumstances shall Finlatics, its officers, directors, agents, third-party providers, affiliates, or licensors be liable for any direct, indirect, incidental, punitive, special, or consequential damages (including without limitation, attorneys' fees), or any loss of profits or revenues or loss of data, use, good-will, business opportunity, or other intangible losses, whether in an action of contract, negligence or other tortious action, that result from the use of, or the inability to use, any materials available on the Website. If you are dissatisfied with any information or other materials, or with any of the terms and conditions contained in the Website, your sole and exclusive remedy is to discontinue using the Website. If this Website or any of its third-party providers, affiliates, agents, or licensors are found liable in connection with a claim arising out of or related to the services or the Information, their aggregate liability in such an event shall not exceed the amount you paid to the Website, if any, in the past twelve months for the services giving rise to the claim. Your right to monetary damages in such amount shall be in lieu of all other remedies to which you may otherwise be entitled from us, or its third-party providers, affiliates, agents, or licensors.

Webinars:

In the event that Finlatics makes general education and/or continuing education webinars (“Webinars”) available to its users, the below applies in addition to the rest of these Terms. You understand and agree to receive communications from Finlatics and/or providers of the Webinars. Finlatics reserves the right at any time and for any reason and without notice to you, to change, modify, suspend, or cancel access to and/or any and all of the Webinars and/or services related to the Webinars, in whole or part.

• Continuing Education: Finlatics may offer continuing education Webinars that are not approved. Finlatics will identify which Webinars are approved for such credit on the landing page(s) for each Webinar. You agree that Finlatics may be required to share information regarding your participation in and/or completion of such certified program to the program provider in order for you to be eligible for and/or receive continuing education credits.
• General Education: Finlatics may offer Webinars that are for general education and are not approved for any credit by any professional or state/provincial/territorial board or organization or by any educational institution.

Webinars held by Finlatics any content and/or material provided in such Webinars is for information purpose only. Information may not be applicable for each state/province/territory and/or jurisdiction. Finlatics cannot guarantee that information provided in Webinars will be accurate, complete and/or current at all times. No representations or warranties are made by us with respect to the quality of the Webinar content, related materials or any instructor conducting these Webinars.

Any and/or all the contents of the Webinars are owned by or licensed to Finlatics and/or its licensed content providers and all such rights are reserved. You shall not reproduce, upload, transmit, distribute, publicly display, sell, publish, copy or otherwise use the Webinar, and/or any content or materials provided in connection with any of the Webinars for any purpose whatsoever without our prior express written consent.

The appearance of any instructor in any Webinar is not and shall not be deemed an endorsement or recommendation of that instructor by Finlatics and the views expressed in any Webinar are those of the instructor and not Finlatics.

Online Educational Project(s) and Program(s):

Finlatics through this Website offers online information courses, workshops, classes and other educational projects and programs relating to the world of finance for a fee (“Project(s) and Program(s)”). For clarity, these Project(s) and Program(s) are included as a part of the Services offered by Finlatics. You may also be able to communicate with other fellow users taking the Project(s) and Program(s). These Terms together with Finlatics’ Payment Policy accessible at www.Finlatics.com/Payment Policy including this section specifically governs your purchase, use and/or access to any of the Project(s) and Program(s) made available by Finlatics. You must login in to your account to sign up for Project(s) and Program(s). You shall not transfer your account to any other person or use anyone else’s account. Finlatics uses third party services to provide the platform for the Project(s) and Program(s)as well as for payment processing and those third parties may have access to your information for the purpose of providing the Project(s) and Program(s) Services.

Access to our Project(s) and Program(s)from certain territories may be prohibited. You agree that you will not violate any data export laws in connection with your purchase and/or viewing of the Project(s) and Program(s)if you reside outside India.

These Project(s) and Program(s)offered are solely for your information and education purpose only. Purchase of Project(s) and Program(s)only entitles you to view the Project(s) and Program(s), and is not a purchase of software or content included in the Project(s) and Program(s). Except as otherwise expressly permitted in this Terms, you are prohibited from and may not copy, sell, re-sell, display, reproduce, publish, modify, creative derivative works from, transfer, distribute, or commercially exploit the Project(s) and Program(s)and/or any related materials; and Finlatics reserves the right to pursue legal action against you in connection with any unauthorized use of the Project(s) and Program(s), the related materials, or your violation of this Terms, whether at law or equity.

Neither does Finlatics, nor any other instructor in this Project(s) and Program(s), is providing you with any legal, accounting, investment or financial advice. You assume sole responsibility to confirm the accuracy and appropriateness of the information for your own uses with your tax, finance and/or legal advisor. Finlatics makes no representation or warranties as to the quality of any Project(s) and Program(s)or instructor.

Academic Credit: We are not an accredited educational institution. Your participation in, or completion of, Project(s) and Program(s)does not confer any academic credit.  On completion of any Project(s) and Program(s)you may be awarded with the completion/participation certificate. However, such Certificate does not confer any academic credit. Such certificate is not affiliated with any college, university, company or other certifying institution.  Nothing in these Terms or otherwise through the Services or on our Website, would qualify you in enrolling in any educational institution or in any other courses offered by any such educational institution. In the event, where a accredited educational institution would provide any of their online courses, workshops and/or classes relating to the world of finance through this Website, in such an event, we would request you go through the terms and policies of such a accredited institution as you would be bound by the terms and policies of that accredited institution and that Finlatics makes no representation or warranties as to the quality of any courses, workshops and/or classes provided by the accredited educational institution.

Payment: Payments are governed by Finlatics’ Payment Policy, accessible at www.Finlatics.com/Payment Policy

Project(s) and Program(s)Ownership: We and our licensors own all right, title and interest in and to the Project(s) and Program(s) and related materials. We and/or third party licensors either own or have all necessary rights in and to the content contained in the Project(s) and Program(s)(e.g., lectures, video lessons, quizzes, presentation materials, assignments, images, text, displays, documents, audio and/or video clips, HTML, etc.). The foregoing includes any and all copyrights, trademarks, or other proprietary rights under applicable law. Nothing contained in these Terms  or in the Project(s) and Program(s)conveys to you any ownership or other proprietary right except as otherwise set forth herein.

Indemnification. You agree to indemnify and hold Finlatics harmless from and against any claims arising out of or related to your use of the educational Service, including without limitation, for your violation of any law or regulation or if your use infringes or otherwise violates any intellectual property or other proprietary right of Finlatics or any person or entity.

Modification and/or Termination of Project(s) and Program(s). We reserve the right to at any time, modify or discontinue, temporarily or permanently any one of the Project(s) and Program(s) in whole or part. You agree that we are not liable to you or any third party for any such modifications, suspension, or termination of any or all Project(s) and Program(s). Nothing in these Terms shall be construed to obligate us to maintain and/or support any of the online Project(s) and Program(s)services, in whole or part, during the term of these Terms or thereafter.

Refund: Refunds are governed by Finlatics’ Cancellation and Refund Policy, accessible at www.Finlatics.com/Cancellation and Refund Policy

Contests/Games/Quizzes:

Finlatics may organize certain contests, quizzes, games relating to the provided Services. We will offer certain prizes /certificates who are the best performers within our described parameters. However, you shall provide Finlatics with certain information in order to collect prizes. You shall be responsible for any such information you provide. You hereby waive any claim you may have against Finlatics in connection with prizes. Distribution of prizes will be at sole discretion of Finlatics team and its sponsoring partners. Prizes can be revoked at any time without prior intimation. In certain cases, of contests, quizzes, games and other similar related activities may be carried out by Finlatics in sponsorship with a third party (“sponsoring partner”).

Broker Reviews:

Finlatics may make available reviews of online brokers. However, such reviews are provided for informational purposes only. We do not guarantee that such reviews are going to be accurate, complete and/or current.  We make no representations or warranties regarding the quality of reviews.

The publication by Finlatics of any review is not and shall not be deemed an endorsement or recommendation of that broker by Finlatics and the views expressed in any review are those of the reviewer and not Finlatics. In case you prefer services of online brokers, we strongly recommend you to review the online broker’s own terms and conditions. We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by online brokers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by online brokers are the best available. We are not involved with and are not responsible for any fee arrangement that you may enter into with any online broker or other service provider. You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a service provider’s products or services.

We may receive compensation from online brokers when a user applies or gets approved for a financial product through our Website. Compensation may influence which products and brokers we review and write about, and whether products appear on our Website. The Website does not purport to feature every online broker or financial product available on the market.

Viruses:

We do not guarantee that files available for downloading through its Website will be free of infection or viruses or other code that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for integrity, security and accuracy of data input and output, and for maintaining a means external to the Website for the reconstruction of any lost data. 

Prohibited Activities:

The following is a partial list of the type of content and activities that are illegal or prohibited on the Website. Finlatics reserves the right to investigate and take appropriate legal action in its sole discretion against anyone who violates this provision, including without limitation, removing the offending Content from the Website and terminating the registration of each violator. Prohibited Content and activities include, but are not limited to:

• Information or content belonging to another person and to which the user does not have any right;
• Using the Website for unlawful, immoral or fraudulent purposes
• Content that is patently offensive and promotes racism, bigotry, hatred or physical harm of any kind against any group or individual, or which is harmful to child.
• Activity that harasses or advocates harassment of another person
• Transmitting "junk mail", "chain letters," or unsolicited mass mailing or "spamming".
• Engaging in advertising to, or solicitation of, any Participant to buy or sell any products or services through the Website.
• Promoting information that you know is false or misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous.
• Creating restricted or password only access pages or hidden pages or images (those not linked to or from another accessible page).
• Providing material that exploits people under the age of 18 in a sexual or violent manner, or solicits personal information from anyone under 18.
• Soliciting passwords or personal identifying information for commercial or unlawful purposes from other users.
• Providing commercial activities and/or sales without our prior written consent such as contests, sweepstakes, barter, advertising, or pyramid schemes.
• Modifying, adapting, translating, or reverse engineering any portion of the Website
• Removing any copyright, trademark or other proprietary rights notices contained in or on the Website.
• Using any robot, spider, Website search/retrieval application, or other device to retrieve or index any portion or the Website.
• Reformatting or framing any portion of the web pages that are part of the Website.
• Creating user accounts by automated means or under false or fraudulent pretences.
• Submitting content that falsely express or imply that such content areis sponsored or endorsed by Finlatics.
• Submitting content that infringe misappropriate or violate the intellectual property, publicity, privacy or other proprietary rights of any party.
• Transmitting any viruses, worms, defects, Trojan horses or other items of a destructive nature.
• Submitting content that is unlawful or promote or encourage illegal activity.
• Information that threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation;

Finlatics prohibits such conduct and content on its Website, you understand and agree that you nonetheless may be exposed to such content or actions and that you use the Website at your own risk.

The Project(s) and Program(s) on the Website may include stimulated trades and portfolio of stocks and the same are strictly for educational purposes. Finlatics prohibits the use of such stimulated trades and portfolio of stocks for any other purpose. In case of any acts of the Users amounting to violation any gaming/betting of laws, the Users will be solely responsible for any liability.

Discontinuation and Termination:

Finlatics reserves the right to modify, discontinue, temporarily or permanently our Website (or any part thereof) with or without notice and without any liability whatsoever. Finlatics also reserves the right to suspend, discontinue, modify, alter, cancel any or all of its categories, products or service at any given point of time with or without notice and without being liable to anyone for it whatsoever.  

Finlatics reserves the right, in its sole discretion, to terminate Your registration in the event You do not login to the Website for a continuous period of 6 (six) months. Finlatics also reserve the right to terminate your access to our Website, without notice and liability, including, without limitation, if it believes that your conduct fails to conform with these Terms.

The Website and all parts thereof, including but not limited to pictures, photographs, audio, video, graphics, blogs are capable of copyright protection under the laws of India and other countries and Finlatics is the sole, absolute and exclusive owner of all rights including but not limited to intellectual property rights in the same.

In the event, You desire to terminate your membership or registration with Finlatics, you may do so by visiting your account settings. Please note that although you may cancel the membership at any given point of time, once the necessary amount is paid such amount will not be refunded even if the membership is cancelled.

Communication:

By registering with us, you agree:

• To receive any updates in the form of emails throughout these Terms;
• To conduct business with us electronically and via internet and to receive all required notices in electronic format, including but not limited to email messages to an authorized email address to has been provided to us by you (these emails may contain the required notice or disclosure or may alert you the availability of such a notice or disclosure on the Website);
• To get periodic SMS alerts and/or periodic newsletters.

We also reserve the right to effect the delivery of notices or disclosures by posting to the Website with no email transmission, to the extent permitted by applicable law.

Privacy:

This Website may collect certain information pertaining to its users. Please review our Privacy Policy to understand the kind of information we collect and store, how such information is used, how we may share that information, and the rights in connection with such information. 

DISCLAIMER OF WARRANTIES:

THIS WEBSITE DOES NOT OFFER, SOLICIT OR ARRANGE FOR THE SALE OR PURCHASE OF SECURITIES. THE WEBSITE AND ITS CONTESTS ARE PART OF A STOCK MARKET SIMULATION. NO ACTUAL SECURITIES ARE PURCHASED, SOLD OR TRADED. THE WEBSITE AND THE SERVICES ARE OFFERED ON AN ‘AS IS’ BASIS WITHOUT ANY GUARANTEES OR WARRANTIES AND YOU USE THE SAME AT YOUR OWN RISK AND SOLE DISRECTION. ALL INFORMATION IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NO CONTENT ON OUR WEBSITE IS INTENDED TO CONSTITUTE PROFESSIONAL ADVICE, WHETHER BUSINESS, FINANCIAL, LEGAL OR OTHERWISE. YOUR USE OF THE WEBSITE, THE WIDGETS AND SERVICES IS AT YOUR SOLE RISK. THE WEBSITE, THE WIDGETS AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. FINLATICS MAKES NO REPRESENTATION OR WARRANTY THAT THE WEBSITE, THE WIDGETS OR SERVICES WILL MEET YOUR REQUIREMENTS, OR WILL BE UNINTERRUPTED, SECURE, CURRENT OR ERROR-FREE, OR THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE, THE WIDGETS, AND SERVICES WILL BE ACCURATE, TIMELY, USEFUL OR RELIABLE. TO THE GREATEST EXTENT PERMITTED BY LAW, FINLATICS DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, WITH RESPECT TO THE USE OF THE WIDGETS THE WEBSITE, AND ITS SERVICES, OR THE ACCURACY, COMPLETENESS, TIMELINESS OR CURRENTNESS OF ITS CONTENT, IN ANY WAY AND FOR ANY PURPOSE. IN NO EVENT WILL FINLATICS BE LIABLE FOR ANY INCIDENTAL, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR INDIRECT DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE WIDGETS THIS WEBSITE OR ANY OF ITS SERVICES OR CONTENT, OR LOSS OF DATA, EVEN IF FINLATICS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, PRODUCT LIABILITY, STRICT LIABILITY OR OTHERWISE.

Governing Law:

These Terms shall be governed and construed in accordance with the laws of India. All disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the Courts of Mumbai. You hereby irrevocably waive any objection to jurisdiction and venue of any action instituted hereunder and shall not assert any defence based on lack of jurisdiction or venue.  

Miscellaneous:

These Terms, Privacy Policy and any Additional Terms (as amended from time to time) shall constitute the entire agreement that would govern your use of the Website and any part thereof and shall supersede any prior agreements or understanding between you and Finlatics with respect to these Terms. Finlatics reserves the right to add, alter, amend, modify these Terms at any time and shall notify you about such updated Terms. You agree that your continued use of the Website shall constitute your acceptance of such updated Terms.

Finlatics may transfer its rights and obligations under the Terms of Use at any time without notice. Any failure of Finlatics to exercise any provision of these Terms shall not constitute a waiver of that right or provision. In the event, if any part of these Terms of Use is found by any court or other authority or competent jurisdiction to be invalid, unenforceable or illegal, the other provisions shall remain unaffected and in force.

Your acceptance of these Terms shall not be construed to create an association, agency, joint venture, partnership or employer-employee relationship between you and Finlatics or to impose any liability attributable to such a relationship upon either party. Any notice given under this shall be in writing and may be emailed to the party specified in this Agreement or such other address as may be notified under this Agreement by that party from time to time.

Take down policy:

Claims of copyright or trademark infringement should be sent to Finlatics’ designated agent at care@finlatics.com. If you believe that someone is infringing your copyright or trademark rights on the Website, you can report it to us by contacting our designated agent with a report containing the following information:

• your complete contact information (name, mailing address and phone number)
• a detailed description of the content on the Website that you claim infringes your copyright or trademark along with details on how it infringes upon your copyright or trademark
• the web address (URL) of the infringing content,
• a declaration that you are filing this report in good faith and that all the information provided is accurate and that you are the owner of the copyright and/or trademark.

Please attach your digital signature or physical signature to the report.

Within 72 working hours of receiving this notice with the above mentioned details, we will take down the allegedly infringing material from public view while we assess the issues identified in your notice.

On completion of the take-down procedure above:

• If the complainant is successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from filing the complaint, the material will be permanently removed from the Website and database upon Finlatics being provided with a copy of such order;

• If the complainant is not successful in obtaining an order of injunction from a court of competent jurisdiction within 21 days from receiving notice from the complainant, the material may be made available for public view once again.

Before you submit a report of infringement, you may want to send a message to the person who posted the content. You may be able to resolve the issue without contacting Finlatics. Please remember, only the copyright/trademark owner or their authorized representative may file a report of infringement. If you believe something on the Website infringes someone else’s copyright/trademark, you may want to let the rights owner know.

Grievance Redressal:

Any complaints or concerns with regards to the contents/comments/breach of these Terms shall be addressed to care@finlatics.com