Disclaimer and terms of use

Terms of use

Welcome to this site operated by Fintech Pte. Ltd., a company formed under the laws of Singapore (the “Company”). By visiting and using this site you will be accepting these Terms of Use (“Terms of Use”). Please read them carefully and if you disagree with the Terms of Use in any way, then do not use this site or any Company product or services. The Company reserves the right to change the Terms of Use on this site at any time, and by your continuing to use this site thereafter, you agree to be bound by the revised version of the Terms of Use. If any Terms of Use changes are not acceptable, you must stop your use of this site and Company product and services. In these Terms of Use, “we” refer to the Company, and “User” or “you” refer to each visitor to this site. If you subscribe to any services offered through this site, you also will be subject to additional terms and conditions (“Terms of Service” or “TOS”) applicable to such services.

Disclaimers

The Company does not promise that this site or any content, service or feature of this site will be error-free or uninterrupted, or that any defects will be corrected, or that your use of this site will provide specific results. The site and its content are delivered on an “as-is” and “as-available” basis. All information provided on this site is subject to change without notice. The Company cannot ensure that any files or other data you download from this site will be free of viruses or contamination or destructive features. The Company disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability and fitness for a particular purpose. The Company disclaims any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of the site and/or any of the offered services. You assume total responsibility for your use of this site and any linked sites. Your sole remedy against the Company for dissatisfaction with this site or any content is to stop using this site or any such content. This limitation of relief is a part of the understanding between the parties. The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action. The Company reserves the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to this site, or any portion of this site, for any reason; (2) to modify or change this site, or any portion of this site, and any applicable policies or terms; and (3) to interrupt the operation of this site, or any portion of this site, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Minors

We do not provide information or services to minors, and if you are under 18 you may only use this site with the active involvement of a parent, guardian or other supervising adult.

No Individual Investment Advice

Nothing in this Agreement shall be deemed or construed for Company to assume any express or implied right or authority to assume or create any fiduciary duties and responsibilities as an advisor. Since Company is not categorized as investment advisors, Company is not obligated to the Securities and Exchange Commission’s (the "Commission" or "SEC") Investment Advisers Act of 1940, 15 U.S.C. 80b-1 et seq., and the rules thereunder, Title 17, Part 275 of the Code of Federal Regulations. Neither this site nor the Software provides individual or customized legal, tax, wealth management or investment services. Further, neither this site nor the Software makes recommendations, issuing reports, or furnishing analyses on securities, either directly or through publications. Information provided is not tailored to the individual needs of a specific client, group of clients, or portfolio. TheCompany nor the Software promotes any particular securities or provide personalized investment services. Since each individual’s situation is unique, a qualified professional should be consulted before making financial decisions.

Third Party Content

Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this site by third parties (“Third Party Content”) are solely those of their respective providers and not of the Company which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and the Company shall not be liable for any damage or loss caused by Users’ reliance on or other use of Third Party Content.

Limitation of Liability

Except where prohibited by law, in no event will the Company be liable to you for any indirect, consequential, exemplary, incidental or punitive damages, including lost profits, even if the Company has been advised of the possibility of such damages. If, notwithstanding the other provisions of these Terms of Use, the Company is found to be liable to you for any damage or loss which arises out of or is in any way connected with your use of the Site or any Content, The Company’s liability shall in no event exceed the greater of (1) the total of any subscription or similar fees with respect to any service or feature of or on the Site paid by you in the three (3) months prior to the date of the initial claim made against the Company (but not including the purchase price for any of the Company’s hardware or software products).

Indemnity

You agree to indemnify and hold the Company, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against the Company by any third party due to or arising out of or in connection with your use of this site.

Prohibited Conduct

The following activities are strictly prohibited:

No Commercial Use

You agree that you will use our site only for your internal business purposes and that you shall not exploit our site or any of its contents for any commercial purpose.

Violation of these Terms of Use

The Company may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of this site, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) the Company’s rights or property, or the rights or property of visitors to or users of this site, including the Company’s customers. The Company reserves the right at all times to disclose any information that the Company deems necessary to comply with any applicable law, regulation, legal process or governmental request. The Company also may disclose your information when the Company determines that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes. You agree and acknowledge that the Company may preserve any transmittal or communication by you with the Company through this site or any service offered on or through this site, and may also disclose such data if required to do so by law or the Company determines that such preservation or disclosure is reasonably necessary to (1) comply with legal process, (2) enforce these Terms of Use, (3) respond to claims that any such data violates the rights of others, or (4) protect the rights, property or personal safety of the Company, its employees, users of or visitors to this site, and the public. You agree that the Company may, in its sole discretion and without prior notice, terminate your access to this site and/or block your future access to this site if the Company determines that you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of this site. You also agree that any violation by you of these Terms of Use will constitute an unlawful and unfair business practice, and will cause irreparable harm to the Company, for which monetary damages would be inadequate, and you consent to the Company obtaining any injunctive or equitable relief that the Company deems necessary or appropriate in such circumstances. These remedies are in addition to any other remedies the Company may have at law or in equity. You agree that the Company may, in its sole discretion and without prior notice, terminate your access to this site, for cause, which includes (but is not limited to) (1) requests by law enforcement or other government agencies, (2) a request by you (self-initiated account deletions), (3) discontinuance or material modification of this site or any service offered on or through this site, or (4) unexpected technical issues or problems. If the Company does take any legal action against you as a result of your violation of these Terms of Use, the Company will be entitled to recover from you, and you agree to pay, all reasonable attorneys’ fees and costs of such action, in addition to any other relief granted to the Company. You agree that the Company will not be liable to you or to any third party for termination of your access to the Site as a result of any violation of these Terms of Use.

Advertisers Are Not Endorsed

Though we seek to partner with quality companies, we are not responsible for the claims or representations made by advertisers and sponsors. The Company does not review, endorse or recommend the products or services of any company mentioned on our site. We will not be liable in any way for damages of any kind resulting out of the misuse of any personal information or data submitted by you, the User to an advertiser or sponsor.

Links to other sites

Certain links, including hypertext links, in our site will take you outside our site. Links are provided for your convenience and inclusion of any link does not imply endorsement or approval by us of the linked site, its operator or its content. We are not responsible for the content of any site outside our site.

RSS News Feeds

RSS is a way of providing content to the user’s browser or desktop in an efficient way. By using RSS feeds, the user can stay updated on the content uploaded by the Company or by various partners or other sources which is uploaded on www.assetvantage.com (“the Site”) with little extra effort. The Company grants you permission to only access and make personal use of its RSS feeds and you agree not to, directly or indirectly, download, modify, alter, change, amend, vary, transform, revise, translate, copy, publish, distribute, resell, lease, licence, assign or otherwise disseminate these RSS feeds, or any portion of these — except with the express consent of the Company. The Company forbids you from any attempts at displaying, hosting, aggregating, reselling or putting to commercial use either directly or indirectly the site’s RSS feeds or any part of the same. You must not retain any copies of these pages saved to disk or to any other storage medium except for the purposes of using the same for your individual/personal use. All feeds and/or their contents that the Site is displaying contains material which is derived in whole or in part from material supplied by the Company, various partners and other sources, and is protected by international copyright and trademark laws. The Site processes all information automatically using automated software without any human intervention or screening. Therefore the Site is not responsible for any (part) of this content. The copyright of the feeds’ content belongs to its respective owners. The Company is displaying these RSS feeds from other sources without deriving any commercial gains in respect thereof. The Site may modify, suspend or discontinue any aspect of the RSS Feed at any time, including, without limitation, the availability of any Site content. The Site may also impose limits on certain features and services or restrict your access to parts or all of the RSS Feed without notice or liability of any kind.

Privacy

This site may collect personal information from some Users. Because the Company respects the privacy of its Users and their personal information, it has established its Privacy Policy to protect your personal information. See our Privacy Policy here:

Communications

When you visit our site or send us an email, our responses to your communications will be by e-mail. All agreements, notices and communications that we provide to you by email will satisfy all legal requirements that they be in writing and delivered to you. The Company will have the right to disclose any email sent by a User, or any objectionable material, to comply with legal process or to protect the rights or property of the Company, its customers, suppliers and Users.

Proprietary Rights

Copyright

All rights in the design, text, graphics and other material on our site and the selection or arrangement thereof are the copyright of us or other third parties. Permission is granted to electronically copy and print in hard copy portions of our site solely in connection with the acquisition of goods or services through our site. Any other use of materials on our site (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without our prior written permission is strictly prohibited.

You hereby grant to us a perpetual royalty-free, irrevocable license to copy, issue copies, communicate to the public, make publicly available and include in a cable programme service (either in whole or in part or in a modified or edited form) any material you up-load or post to our site (whether to a bulletin board or otherwise). You acknowledge and agree that such material is not up-loaded or posted subject to any obligation of confidence.

Trademark

The Company is the proprietor of its respective trademarks in India and other countries. All other trademarks, product names and company names or logos used in our site are our property or that of their respective owners. No permission is given by us in respect of the use of any such trademarks, get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder’s rights.

Subscription Services

Although the Company offers services in many parts of the world, certain services may not be available in or suitable for certain countries or locales. We reserve the right to discontinue or to make changes to, any of our services at any time without advance notice.

Applicable Law and Jurisdiction

These Terms of Use (and any dispute, controversy, proceedings or claim of any nature whatsoever arising out of or in any way relating to them or their formation) shall be governed by and interpreted in accordance with Indian law and, for these purposes, the parties irrevocably submit to the exclusive jurisdiction of the Courts of Mumbai, India.

Unenforceability

The enforceability or otherwise of any provisions of these Terms of Use shall not affect the enforceability of the rest of these Terms of Use.