TERMS & CONDITIONS

The Website www.finology.in and its sub-domains (hereinafter referred to as the “Website”, “Site” or “Platform”) are owned, managed, and governed by Finology Ventures Private Limited (hereinafter referred to as “We”, ”Us”, ”Company” or “Finology”), except for sub-domains wherein it is expressly stated that the said sub-domain(s) is owned and/or maintained, operated by any other entity whether company’s group company or not. Wherever the terms “You”, “Your” or “User” are used, they shall include any person whether natural or legal/juristic, including but not limited to any company, incorporation, association, partnership, proprietorship, or group of individuals who access, browse through, visit or avail the services of the Website. The User and the website or the Company may be collectively called the “Parties”.

ENTIRE AGREEMENT

The Privacy Policy, Pricing & Refund Policy as published on the Website is herein incorporated by reference and shall be deemed a part of this Terms of Use from hereon. That, together the all these policies shall represent the whole agreement as between the Website or the Company and the User and shall govern the relationship between the Parties. This agreement shall replace all prior agreements and communications existing between the Parties whether direct, indirect, written, or oral.

By accessing, using, browsing through, searching, availing the services, or engaging in anything on the Website, You agree to the Terms of Use disclosed herein, You also accept the information practices as per our Privacy Policy and, you undertake to comply with all laws applicable and in force as interpreted and enforced within the Raipur District of Chhattisgarh State, India.

Failure to comply with any condition, term, or provision contained herein or anything promulgated by these Terms of Use or the Privacy Policy or any such terms or conditions as imposed by the Website or the Company, by any User, shall result in termination of all licenses granted herein (if any). The date of first use in any way of this Website or its services by any User shall be treated as “Commencement Date” of these Terms of Use.

The Company shall be at liberty to amend or modify these Terms of Use and the Privacy Policy from time to time at its sole and exclusive discretion without any prior notice or intimation to any User or anyone else. Continued use of this Website in any way by any User shall constitute the User’s consent to and acceptance of the modified or amended Terms of Use and the Privacy Policy.

WAIVER & SEVERABILITY

Failure to assert any of its rights or willful ignorance of violation of any of its rights by the Company shall in no circumstances be construed as waiver of such right. In a case where the Company waives off any of its rights, the waiver shall be restricted to that particular instance (case) and the particular right which is so waived off by the Company and shall not affect any other rights arising out of the Terms of Use or Privacy Policy.

The provisions contained in these Terms of Use and Privacy Policy shall be severable and in case any part or provision of the Terms of Use or the Privacy Policy is adjudged to be invalid or unenforceable, the Parties agree that the remaining part and provisions shall continue to be in force and effect, regardless of the part or provision so adjudged to be invalid or unenforceable. Any such provision or part may be amended or reformed by the Company whenever possible or desirable at its sole and exclusive discretion.

OWNERSHIP

Any content available or displayed on the Website or available for download whether for free or a fee or anything shown as a part of an offer for purchase on the Website, is protected by all applicable Intellectual Property Laws including Trademark and Copyright laws, and is the exclusive property of the Company or its licensors. All trade names, trademarks, service marks, and other product and service names and logos on the Website and within the Content (collectively the “Marks”), whether registered or unregistered are proprietary to their respective owners and are protected by applicable trademark and copyright laws, doctrines and principles. Nothing contained on the Website or within the content shall be construed as giving permission, license, or right to use any of the Marks to anyone without prior written consent of the Company or any third-party owner of any such Marks. Any unauthorized or non-permitted use of any such Marks or any content of the Website in any way, for any purpose is hereby expressly prohibited and may invite appropriate action by the company.

LICENSE

You are granted a non-exclusive, non-transferable, limited license to access and use the Website, its services, and the content available on the Website for personal non-commercial use for the applicable fees (if any) subject to the terms and conditions contained herein and in the Privacy Policy.

Unless otherwise agreed or permitted by the Company in writing and in advance, you are hereby prohibited from copying, reproducing, modifying, creating derivative works from, or storing, any Content, whether in whole or in part, contained on the Website. In the absence of the said prior written permission from the Company, you are also prohibited from publishing, transmitting, distributing, displaying, performing, broadcasting, or circulating any such Content for any purpose whatsoever.

Any unauthorized or non-sanctioned advertisement, promotional posts and material, junk mail, spam, chain letters, pyramid schemes, or solicitation in any other form, for any purpose, on the Website is hereby expressly prohibited. Users are also restricted from posting any inappropriate, offensive, hateful, pornographic, false, misleading, infringing, defamatory, or libellous content targeting any person, gender social or ethnic group, or nationality. The Users hereby undertake to not use the Website for any unlawful purpose whatsoever and to honor all reasonable requests by the Company or the Website to protect its proprietary rights and interests.

TERMINATION

The Company and the Website shall be entitled to terminate or suspend any User’s access to the Website or its services, if it is found that any User violates the letter or spirit of these Terms of Use or the Privacy Policy or that their conduct is unlawful, on their sole and exclusive discretion without any prior notice or intimation to such User and without any refund, compensation or monetary reimbursement of any kind for any reason whatsoever. Neither the Company nor the Website shall under any circumstances be liable to any User or any third party for termination of the User’s access to the Website or its services for any reason.

The only recourse available to Users who do not agree to these Terms of Use or the Privacy Policy is discontinuing the use of the Website. Upon termination of this agreement between the Parties, the User shall be bound to destroy all copies of any material provided by the Company or the Website in his/her possession and shall refrain from further use of the same.

It is hereby clarified that in case of multiple logins from different devices and different IP addresses are found which at the company’s sole discretion is found to be like sharing the same subscription with multiple persons, such subscription shall be terminated with immediate effect and no refund shall be given for the same and appropriate action may be taken by the company.

REGISTRATION

Registering on the Website provides special restricted access to the Website and its content, and services which is restricted to a single user only. For registering every User is required to provide his email address, name, etc., and must select a password. While registering, the Users are bound to provide complete, accurate, and updated information, and failure to do so shall constitute a breach of this Agreement and shall expose them to the risk of termination of their access by the Company.

Having someone else register on the Website or using, browsing, accessing, or availing the services of the Website through a third, binds the actual User to these Terms of Use and the Privacy Policy, as if they registered, used, browsed through, or availed the Website or its Services themselves personally.

Users are alone responsible for maintaining the confidentiality of their registered account and login credentials and are liable for any activities that occur via such accounts.

THE USER’S CONTENT

The Website and the Company shall be entitled to use the information provided by the Users in their print or electronic publication (“User Content”). However, the Users are hereby assured that their information shall only be used in accordance with the Privacy Policy and in a way so as not to infringe their privacy. Users shall be solely responsible for the accuracy, correctness, and authenticity of the information provided by them. The Website shall be entitled to remove, edit, review, or delete the User Content if it finds it to be illegal, incorrect, offensive, or inappropriate in any way.

The Users are prohibited from entering or distributing any material on or through the Website that is promotional in nature or which results in solicitation without prior written permission or consent of the Website.

The Users shall be liable to indemnify the Company and the Website including their employees, affiliates, and authorized representatives, for any loss, damages, liabilities, or costs including but not limited to reasonable attorney fees incurred by them as a result of breach of this Agreement by the User or inaccuracy, falsity, incorrectness or illegality of material or information entered into the Website using User’s account on the Website.

ADVERTISERS

The Website may contain sponsored content and advertisements. Neither the Company nor the Website shall be responsible or liable for the accuracy, legality, correctness, completeness, or contemporariness of the advertisements or the sponsored content and the sponsors of such advertisements or sponsored content shall be solely responsible for the same. The Company and the Website shall also be immune from any liability arising out of any act or omission on the part of the sponsors of such advertisements or sponsored content. The said sponsors shall be liable to indemnify the Company or the Website including their employees, affiliates, and any authorized representatives for any loss, damage, costs, or any expense incurred by them including but not limited to reasonable attorney fees because of any fault or defect in the content or advertisement sponsored by them or any act or omission on their part.

LINKS TO OTHER WEBSITES

The Website contains hypertexts, links, and addresses to other websites and web pages for the reference and convenience of its Users. These hypertexts, links, and addresses may take the Users to different web pages and websites owned and operated by persons, groups, or incorporations other than the Company and are the sole responsibility of their respective owners and managers.

Neither the Company nor the Website has any control or ownership over what is displayed on such websites and webpages for any purpose and hence neither of them is responsible for the content available on such websites and webpages. When You choose to click on and visit any such webpage or website, You agree that neither the Company nor the Website is responsible nor liable for the accuracy, correctness, or legality of the content, services, products, or other material on such websites and webpages.

Any reference or display of any names, products, services, or marks belonging to or offered by a third party or the presence of their hypertexts or links on the Website, does not necessarily constitute any recommendation, endorsement, or sponsorship of such third party or its products or services. The Users are solely responsible for their use or access to any third-party content or products or services and for all related risks of viruses, worms, trojan horses, and other harmful material on such websites or webpages.

LIMITATION OF LIABILITY

Under no circumstance or event shall the Company, the Website, or any of its affiliates, employees, agents, suppliers, licensors, or any authorized personnel or representatives be liable for any direct, indirect, consequential, incidental, special, punitive, or exemplary damages including without limitation to damages for loss of goodwill, use, profits, data or any other tangible or intangible loss related to or arising out of the use of, breach of or inability to use the Website or services provided by the Website, moreover, the said entities and individuals shall also be immune from any liability to compensate any User in any way for any loss, damage or injury caused because of hacking, tempering or unauthorized use or access of User’s account or any information contained therein.

If at all any liability, of whatsoever nature (including damages, claims, and compensations) is implied on the Company under these terms, including for any implied warranties, the said liability is limited to the amount that the user pays/has paid to use the services.

Further, in no case shall the Company or the Website be liable for any:

• Mistakes, inaccuracy, or errors in the content available on the Website;

• Injury or damage whether direct or indirect, personal or not, caused to any User because of access or use of the Website or its services;

• Interruption or cessation of transmission of any content or information contained on the website whether to or from the Website;

• Unauthorised or unsanctioned use or access of the Website’s secure servers or any personal information or content contained therein;

• Any viruses, bugs, or destructive programs or links that may be transmitted through the Website by any third party;

• Offensive, defamatory, or illegal conduct of any third party on the Website;

• Relationship or transaction between any User and a third-party provider (affiliates) including breach of terms of such transaction or relationship.

The presence of Professionals or any third party on the Website or any database maintained by the Website shall not in any case be construed as recommendation, solicitation, or endorsement of any such Professional or third party. Any information about such Professional or third party shall not be treated as a device to confirm their credibility, qualification, or abilities.

SPECIFIC ADDITIONAL TERMS FOR SUB-DOMAINS/PRODUCTS

Finology reserves the right to offer these products either independently, or/and as part of an offering which may be a bundle, package, complimentary access, or any combination deemed suitable in its sole discretion. It is clarified that Finology also reserves the right to offer these bundles, packages, and complimentary access selectively to a certain segment of users which it may determine from time to time. Further, Finology reserves the right to discontinue bundles at its sole discretion.

FINOLOGY RECIPE

The articles, interactive tools, and other Free DIY content are provided to you, as self-help tools and for informational purposes only. They are not intended to provide investment advice. The company does not and cannot guarantee the accuracy or applicability of any information regarding your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.

The recommendation service, articles, or other contents are for research, information, and educational purposes only. The User warrants that it shall obtain independent investment advice before making any investment decision as recommendations under any of Finology’s offerings are not a substitute for investment advice or research services. The content on the website should not be construed to be an advertisement for solicitation for buying or selling of any securities or investment products.

FINOLOGY 30

Finology 30 is a long-term stock research recommendations service provided by the Research division of the Company, the affairs of which are at arm’s length from the other affairs/businesses of the Company and its group companies. It offers insights and recommendations on stocks to buy for long-term investment. The recommendation service, articles, or other contents provided under Finology 30 are intended solely for research, information, and educational purposes. Users acknowledge and warrant that they will seek independent investment advice before making any investment decisions.

As per the regulatory requirement –

1. a) The user agrees to go through KYC and other onboarding process (including entering into an agreement) for availing the services under Finology 30, as the same is mandatory in terms of Regulation 24(6), 25(1)(v) and other applicable provisions of the SEBI (Research Analyst) Regulations, 2014, as amended from time to time read with applicable SEBI master circulars, circulars, guidelines etc.

2. b) The user agrees to update his KYC records from time to time as and when there is change in it.

3. c) An agreement for research will be entered into with every user who avails these services; To the extent, the terms of use contained herein are contrary to the research services agreement entered into by and between the user and the Company, the provisions of the research services agreement shall prevail.

Users understand that the information provided in the research reports is subject to change without notice and that the opinions expressed are those of the authors. The reports are not meant or directed for the use or reference of any person residing, situated, or located in any place or jurisdiction where any such use or reference would be contrary to the local law(s). Any such user who receives this report is hereby advised to ignore it.

The user agrees to update his KYC records / risk profile from time to time as and when there is change in it.

At-least 30 stocks research reports/recommendations shall be provided for a twelve-month period, with approximately 2 to 3 stocks every month, which not necessarily may be new stocks.

In case a user does not renew /extend his subscription, periodicity of which may be quarterly, yearly (or such other period as may be decided by the Company), his services shall come to end, post which all the past research reports (including updates thereto , if any) shall cease to be available to the user in his dashboard. However, if he renews/extends within the grace period of 7 days, in such scenario the past research reports shall also be visible in dashboard upon renewal/extension, and he would not be required to go through the KYC & onboarding process again. In case, the user does not renew/extend the subscription within the said grace period, and then later re-avails the services of the company, he shall be required to go through KYC & onboarding process again and his past subscription period’s research reports (including updates thereto , if any) shall not be accessible to him.

THE USER EXPRESSLY AGREES THAT HE/SHE SHALL ABIDE BY THE MUTUAL EXCLUSION CLAUSE OF THESE TERMS OF USE.

ADDITIONAL DISCLAIMERS & DISCLOSURE ON SUB-DOMAINS / PRODUCTS

The respective service pages, product pages, or sub-domains, by whatever name called may contain additional and specific disclaimers and disclosures.

The said disclaimers and/or disclosures by whatever name called shall prevail, in case of contradiction with these terms of use, to the extent they are contrary.

COMMUNICATION

The Company (including its employees, affiliates, partners or other representatives, etc.), third-party service providers may communicate with the user over phone and/or e-mail and/or SMS and or push notifications or any other form of electronic communication in connection with your usage of the website or availing of any services. This consent overrides any registration for Do Not Call.

Further, You agree and confirm that if your number is registered in the Do Not Disturb (DND) list of TRAI, you may not receive SMS/phone communication, for which the company shall not be liable and you shall be responsible for taking appropriate steps to de-register from the DND list of TRAI.

The Company relies on Third Party Service Provider(s) for sending /delivery of SMS/e-mail alerts/WhatsApp/push notifications/OTP services. The readability, accuracy, and timely delivery are not in the control of the company and are subject to the performance and infrastructure of the third party. Thus, the Company does not take any responsibility or any liability, whether contractual or legal for any readability, non-delivery, delayed delivery, or skewed delivery of the messages, notifications, OTPs, etc.

GOVERNING LAW & JURISDICTION

This Agreement shall be entered into by the Parties, governed, interpreted, construed, and enforced according to laws applicable within Raipur District of Chhattisgarh State, India, without giving effect to any choice of legal rules and principles. In case of any dispute between the Parties, the same shall be subjected to the jurisdiction of appropriate courts within the Raipur District of Chhattisgarh State.

Users using, accessing, browsing through, or entering into this Agreement in any way from a jurisdiction other than India are solely responsible for compliance with the laws in force in Raipur, Chhattisgarh, and any local laws applicable. The Users waive all defenses of lack of jurisdiction or inconvenience of the forum.

DISPUTE RESOLUTION CLAUSE

It is agreed by the parties that any formation, interpretation, and performance of this policy and any dispute arising out of it will be resolved through a two-step Alternative Dispute Resolution (ADR) mechanism. It is further agreed by the parties that this section i.e., resolution through ADR, will survive even after termination or expiry of the Terms of Use or the Privacy Policy.

Mediation- In case a dispute arises between the parties, the parties will attempt to resolve the same amicably between them, through mutual understanding. If the parties are unable to reach a common ground within 30 days of one party communicating of existence of a dispute to the other, the dispute will be resolved through arbitration.

Arbitration- The parties agree that when they are unable to resolve the dispute through Mediation, the said dispute will be resolved through arbitration. The parties further concur that the arbitration proceeding will be presided over by a Sole Arbitrator, who would be appointed by the Company at its sole and exclusive discretion. The language for arbitration would be English. The seat of arbitration would be Raipur, Chhattisgarh.

The parties agree that the Privacy Policy and any other agreement would be governed by the laws, rules, and regulations of India. The courts in Raipur, Chhattisgarh shall have exclusive jurisdiction over any dispute arising between the parties. The Users waive all defenses of lack of jurisdiction or inconvenience of the forum.

NO WARRANTY

All content, information, and services provided through the Website are provided on an ‘as-is/as-available’ basis and You use the same at your own volition and risk. Neither the Company nor the Website provides any warranty whether express or implied regarding satisfactory quality, suitability for any particular purpose, or any other implied warranty of merchantability as to the result or outcome You may derive out of Your use of the Website or any such result or outcome You may attain out of a relationship you elect to create with any Professional or third-party through the Website. We do not and neither do any of our employees, agents, licensors, or any authorised personnel make any representations or provide any warranty as to the ability of any Professional or third party to obtain a favorable result for any User.

The Users are hereby informed that the Company shall strive to provide the best service to every user but cannot and does not provide any warranty as to the completeness or accuracy of any content or services or that the services provided through the Website will be error-free, uninterrupted or always available. The Users are also informed that they use the Website or avail of its services and download the content available thereof at their exclusive and sole discretion and risk.

ANTI-HACKING PROVISION

In addition to the Terms and Conditions put forth in these Terms of Use and the Privacy Policy, the Users agree and undertake not to:

• Use or attempt to use any computer program such as “scraper”, “deep-links”, “bot”, “robot”, “data mining code”, “computer codes” or any other form of automated system or device, tool, algorithm, methodology, process, program or manual process having similar function, to acquire, extract, monitor, copy or access any portion of the Website or any data or content present on the Website;

• To acquire or obtain or attempt to acquire or obtain any data, material, or information that has not been deliberately made public by the Website by its display on the Website or making it accessible through a link visible on the Website;

• Bypass or circumvent any system or measure employed to limit or prevent access to the Website or its content;

• Gain unauthorized access to the Website or any portion of it or to any data, material, information, computer system, network, or server associated with the Website through any illegal and or unsanctioned or unauthorized means or violate the Website’s security in any way;

• Interfere or attempt to interfere with the working of the Website or any portion or functionality of it or with any activity that is carried on through the Website in any way;

• Carry out any activity or action that imposes or may impose according to the sole discretion of the Company any unreasonable or large load or burden on the Website or the Company’s infrastructure.