Last Updated on 30/1/2019
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.
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:
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.
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.
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.
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:
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.
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 strong 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.
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.
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 Courses:
Finlatics through this Website offers online information courses, workshops, classes and other educational programs relating to the world of finance for a fee (“Course(s)”). For clarity, these Courses are included as a part of the Services offered by Finlatics. You may also be able to communicate with other fellow users taking the Courses. These Terms, including this section specifically governs your purchase, use and/or access to any of the Courses made available by Finlatics. You must login in to your account to sign up for a Course. 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 Courses as well as for payment processing and those third parties may have access to your information for the purpose of providing the Course Services.
Access to our Courses 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 Courses if you reside outside India.
These Courses offered are solely for your information and education purpose only. Purchase of a Course only entitles you to view the Course, and is not a purchase of software or content included in the Course. 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 Courses and/or any related materials; and Finlatics reserves the right to pursue legal action against you in connection with any unauthorized use of the Courses, the related materials, or your violation of this Terms, whether at law or equity.
Neither does Finlatics, nor any other instructor in this Course, 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 Course or instructor.
Academic Credit: We are not an accredited educational institution. Your participation in, or completion of, any Course does not confer any academic credit. On completion of any Course 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: Each of the Courses are offered for certain price as listed on the relevant landing page. All fees are in Indian Rupees (INR). You represent and warrant that you are authorized to use and all payment method you use to purchase these Courses. You further agree that your payment method may go through our third party payment processor for any such payments. In the event of failure in your payment method, you shall not be able to enroll/participate in any of the Courses. We also reserve the right to terminate your access to our Services. For some payment methods, the issuer may also charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your payment method. Local tax charges may vary depending upon the payment method used. We recommend you to check with your provider for further details. Payment method means and include a current, valid, accepted method of payment as may be updated from time to time and which may include payment through your account with a third party.
Course Ownership: We and our licensors own all right, title and interest in and to the Course(s) and related materials. We and/or third party licensors either own or have all necessary rights in and to the content contained in any Course (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 any Course 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 Courses. We reserve the right to at any time, modify or discontinue,
temporarily or permanently any one of the Courses 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 Courses. Nothing
in these Terms shall be construed to obligate us to maintain and/or
support any of the online Course services, in whole or part, during the
term of these Terms or thereafter.
Refund: All payments made to Finlatics are non-refundable. However, if there the Course has been terminated, Finlatics shall refund the entire amount paid for such course subject to tax deductions upon such request made to Finlatics. In case, the Course has been modified a prior notice shall be given to you. In such an event, if you claim for a refund, 50% of the amount shall be refunded to you by Finlatics subject to tax deductions. In all other cases, no requests for such refund shall be entertained by Finlatics. Contacting Finlatics through any other contact page, email or number for a refund request will not be deemed notice to Finlatics of such request.
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”).
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.
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.
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:
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.
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.
By registering with us, you agree:
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.
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.
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 defense based on lack of jurisdiction or venue.
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.
Any complaints or concerns with regards to the contents/comments/breach of these Terms shall be addressed to email@example.com