Terms of use

This website is offered to the user of the Service (User) on the condition that the user accepts the terms contained herein, without any modification whatsoever. For the purposes of this Terms of Use, 'Service' shall mean and include, without limitation, access to all, one or some of the following: - HTML Code, literature, information, software, products, tools and Services whether authored by Mind Your Savings or by any third party and published, provided or made available on www.mindyoursavings.com, whether pursuant to subscription or otherwise.

 

INTELLECTUAL PROPERTY RIGHTS (IP)

Mind Your Savings hereby grants to the User, the right to use the Service in accordance with these terms, and for no other purpose. Please note that all elements contained on this Web-Site including all individual articles, columns and other elements making up the Service are also copyrighted works and are owned by Mind Your Savings and are protected by Copyright, Service Marks and Trademark laws, International Treaty provisions and/or other proprietary rights under the laws of India and this Terms of Use. By using the service you agree to abide by all applicable copyright and other laws as well as any additional copyright notices or restrictions contained in the Service. Mind Your Savings shall be entitled to obtain equitable relief for any violation of their IP, over and above all other remedies available to it to protect its interests therein. Violators will be liable to be prosecuted to the maximum extent possible. Copying for reproduction, for redistribution or other purposes of the website or any part thereof including but not limited to text content and graphics to any other server or location including caching of any kind is expressly prohibited. The Service is licensed to the User not sold to him. Mind Your Savings owns the Service, its applications and Trademarks.

 

LINKS TO THIRD PARTY SITES

This Web- Site may contain links to Web Sites operated by parties other than Mind Your Savings and the users can apply for third-party products through this website. The links in this site will let the user leave www.mindyoursavings.com and proceed to the linked site. The recommendations being made with regards to the products and services offered by third parties are the individual opinion of Mind Your Savings based on their own research and beliefs. There is no intention to influence the subscribers in any manner whatsoever and they are expected to carry out their own due diligence and research before signing up for such products or services. Many of the products are market-linked that are subject to market risks and Mind Your Savings does not impose their decision on any party and will not be responsible for any losses or damages being incurred by the subscribers due to poor selection of the said products or services and the same shall be the result of their own decisions. The user should access and use these third-party websites and products at his sole risk and discretion.

The user's use of each such site is also subject to these terms of use and other Terms of Use, if any, contained within each such site. In the event that any of the Terms contained herein conflict with the Terms of Use contained within any such site, then the Terms of use for such site shall prevail. The linked sites are not under the control of Mind Your Savings and Mind Your Savings is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Mind Your Savings will not directly or indirectly be responsible or liable for any loss or damage that the user may suffer or incur in connection with any third-party product and its information obtained through this website or for any acts, omissions, errors or defaults of any third party in connection with that product and website.

 

ACCESS RESTRICTION/ FEES

Mind Your Savings reserves the right to deny, in its sole discretion, any User access to this Web Site or any portion thereof without notice or justification. Further, Mind Your Savings reserves the right at any time to charge fees for access to any service provided by it.

 

REGISTRATION, SUBSCRIPTION, ENROLLING, MAKING AN ENQUIRY OR SIGNING UP:

If you wish to receive access to the restricted content of the Website you will need to register (as a Registered User) or subscribe (as a Subscriber) with us and the following provisions of this Clause will apply.

• You will provide true, accurate, correct and complete information which you are required to provide when you register or subscribe as a user of the Website, whether in respect of the Subscription Services or the Free Services ("Personal Information"); and
• You will notify us immediately of any changes to your Personal Information.
• You authorize and give unconditional consent to www.mindyoursavings.com to make calls, send SMS or emails regarding our products or services and various promotional offers for solicitation irrespective of whether you are registered with DND service or not.
• You agree not to: impersonate any other person or entity or to use a false name or a name that you are not authorized to use, or disclose your password or user name to any other person, or allow your password or user name to be used by any other person to access the Services.
• We reserve the right to decline any application from you to register or subscribe as a user of the Subscription Services and/or the Free Services at our sole discretion. If you are accepted you will receive from us a user name and password. If you are allowed to select a user name, we reserve the right to modify such or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.
• We reserve the right to terminate your account (including user name and password) if any Personal Information is untrue, inaccurate, out-of-date or incomplete.

 

YOUR OBLIGATIONS, AGREEMENTS AND AUTHORIZATIONS:

1 You:

1.1 agree not to use the website(s) and/or the services (or any part thereof) for any illegal purpose and agree to use it in accordance with all relevant laws;

1.2 agree not to upload or transmit through the website(s) and/or the services any computer viruses, macro viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer;

1.3 will not upload or transmit through the website(s) and/or the services any material which is defamatory, offensive, or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;

1.4 will not use the website(s) and/or the services in a way that may cause the website(s) and/or the services to be interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the website(s) and/or the services are in any way impaired;

1.5 will not use the website(s) and/or the services in any manner which violates or infringes the rights of any person, firm or company (including, but not limited to, rights of intellectual property, rights of confidentiality or rights of privacy);

1.6 will not attempt any unauthorized access to any part or component of the website(s) and/or the services;

1.7 agree that in the event that you have any right, claim or action against any users or 3^rd party companies arising out of their use of the website(s) and/or the services, then you will pursue such right, claim or action independently of, and without recourse to us; and agree not to allow any third party directly or indirectly to use your subscription, user name or password.

 

LIMITS ON PERSONAL AND NON-COMMERCIAL USE

The User expressly agrees to use the Service strictly for personal purposes. The User shall not recompile, disassemble, copy, modify, distribute, transmit, display, perform, reproduce, publish or create derivative works from, transfer, or sell any information, software, products, tools or services accessed from this website. User may not rent, lease, sell, sublicense, lend or in any manner allow any other party to use the Service, with or without consideration. By viewing the contents of this website you agree with this condition of viewing and you acknowledge that any unauthorized use is unlawful and may subject you to civil or criminal penalties.

 

PRIVACY

The User represents that he is aware that in the process of subscribing to the Service or parts of it, Mind Your Savings may obtain information relating to the User, including that of a confidential nature. This information will be used by Mind Your Savings for its internal purposes and will be kept confidential. Notwithstanding anything contained above, Mind Your Savings reserves the right to disclose personal information where it believes in good faith that such disclosure is required to perform necessary credit checks or collect or report debts owed to Mind Your Savings, to protect Mind Your Savings's rights or property or for other bonafide uses. The User agrees and warrants that all information that Mind Your Savings may possess or may obtain pursuant to the use of Service has been possessed or obtained with the permission of the User.

 

HYPERLINKING TO SITE AND REFERENCING SITE PROHIBITED:

Unless expressly authorized by the website, no one may hyperlink this site, or portions thereof, (including, but not limited to, logotypes, trademarks, branding or copyrighted material) to theirs for any reason. Further, you are not allowed to reference any page of www.mindyoursavings.com partly or fully in any commercial or non-commercial media without express permission. You specifically agree to cooperate with the Website to remove or de-activate any such activities and be liable for all damages

 

MODIFICATION OF TERMS AND CONDITIONS

Mind Your Savings reserves the right to change, without notice, these Terms of Use under which the Service is offered. The User's continued use of the Service will be subject to the Terms of Use in force at the time of the Use.

Mind Your Savings shall have the right, at its discretion, to change, modify, add or remove terms of this agreement at any time without notice. You agree to review these terms of use periodically since subsequent use by you of this site shall constitute your acceptance of any changes. Mind Your Savings shall have the right at any time to change or discontinue any aspect of Mind Your Savings.com, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions shall be effective immediately upon posting and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes, modifications or deletions.

 

INDEMNIFICATION

The User agrees to indemnify, defend and hold harmless Mind Your Savings, its officers, partners, owners, directors, employees, representatives and agents, any third-party providers, distributors from and against any cause of action, claim or demand, including without limitation any reasonable legal, accounting or other professional fees, brought by or on the user's behalf in excess of the liability described herein or by / on account of a third party due to or arising out of User's use of this Web site, the Service contained herein, the violation of any intellectual property or any other right of any person or entity.

 

DISCLAIMER OF WARRANTIES

Mind Your Savings warrants that it only expresses its opinions and beliefs and does not provide any investment advice on this web site. The recommendation, service, views, articles, reports, calculations and other contents are provided on an "As Is" basis by Mind Your Savings. The User warrants that it shall obtain independent investment advice and perform their own research before taking any investment decision. Mind Your Savings expressly disclaims all warranties and conditions of any kind, whether express, implied or statutory pertaining to the Services provided by it including but not limited to implied warranties and conditions of merchantability, fitness for a particular purpose, data accuracy and completeness and any warranties relating to viruses and non-infringement in the Service and provision of Service free from disruption or interruption.

The Service should not be construed to be an advertisement for solicitation for buying or selling of any schemes. Mind Your Savings shall not be responsible (directly or indirectly) for use or otherwise of Service by a User, including a User who is a citizen or resident or located in any locality, state, country or other jurisdiction outside India specifically a resident of the United States of America, Canada or the European Union countries and we hereby expressly disclaim any implied warranties imputed by the laws of any other jurisdiction. We consider ourselves and intend to be subject to the jurisdiction only of the Courts in Mumbai, India. If you don't agree with above please do not read the material on any of our pages or sign up or subscribe or associate with us.

Mind Your Savings does not warrant accuracy of any NAV or other feed or data received from Mutual Funds and/or any other third party and shall not be responsible for any loss or liability incurred by the user as a consequence of his or any other person on his behalf taking any investment decisions based on the information, NAV's, analysis, quotes, etc. provided on the web site. Investments in mutual funds are subject to market risks. Subscribers / Clients should read the Scheme Information Document (SID) / Statement of Additional Information (SAI) / Key Information Memorandum (KIM) before making any investments.

Mind Your Savings shall also not be liable for errors, omissions or typographical errors, disruption delay, interruption, failure, deletion or defect of/in the Service provided by it.

Mind Your Savings shall not be liable, directly or indirectly, to the User or any third party, as a consequence of the failure of its equipment, howsoever defined, or that of any Stock exchange, Internet Service Provider, User or any third party to function in such manner as is reasonably expected of such equipment. Mind Your Savings shall not be responsible for any downtime of such equipment.

Mind Your Savings makes no representations or warranties, either express or implied that the research, development, marketing, distribution, use or sale of the Service will not infringe any patent, copyright or other right of any third party.

Mind Your Savings and its subsidiaries/affiliates/sponsors or employees, personnel, directors, owners will not be responsible for any direct/indirect loss or liability incurred by the user as a consequence of him or any other person on his behalf taking any investment decisions based on the contents and information provided herein.

 

DISCLAIMER FOR CALCULATORS, CONTENTS OR ANY OTHER TOOLS AND RESOURCES

Mind Your Savings does not warrant that this service is/will be accurate, complete, current, reliable, suitable, free from any virus, disruption or interruption. The User expressly agrees that he uses it at his own risk and that Mind Your Savings shall not be responsible for any loss or damage incurred by him due to the use of this service or inability to use it for any reason beyond the control of Mind Your Savings.

 

DISCLAIMER FOR HARM CAUSED TO YOUR COMPUTER FROM INTERACTING WITH THIS WEBSITE

The website assumes no responsibility for damage to the computers or software of the visitor or any person the visitor subsequently communicates with from corrupting code or data that is inadvertently passed to the visitor's computer. Again, visitor views and interacts with this site, or banners or pop-ups or advertising displayed thereon, at his own risk.

 

POSTING COMMENTS

The views, opinions and comments posted are yours, and are not endorsed by this website. You shall be solely responsible for the comment posted here. Mind Your Savings reserves the right to publish, edit, modify, delete, reject, or otherwise remove any views, opinions and comments posted or part thereof.

You shall ensure that the comment is not inflammatory, abusive, derogatory, defamatory &/or obscene, or contain pornographic matter and/or does not constitute hate mail, or violate the privacy of any person (s) or breach confidentiality or otherwise is illegal, immoral or contrary to public policy. Nor should it contain anything infringing copyright &/or intellectual property rights of any person(s).

User Comments are made available to you for your information and personal non-commercial use solely as intended through the normal functionality of the Mind Your Savings Service. User Comments shall not be used, downloaded (either permanently or temporarily) copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, downloaded, or otherwise exploited in any manner.

 

LIMITATION OF LIABILITY

The User agrees that neither Mind Your Savings nor its directors, owners or employees shall be liable for any direct, indirect, incidental, special or consequential damages, resulting from the use/delivery/performance or the inability to use/deliver/perform the service or for the cost of procurement of substitute goods and repair & correction services or resulting from the Services subscribed to or obtained or messages received or transactions entered into through or of User's transmissions or data, even if Mind Your Savings or its employees have been advised of the possibility of such damages.

The User further agrees that Mind Your Savings shall not be liable for any damages arising from interruption, suspension or termination of Service, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent.

The User also agrees that his sole remedy under this Terms of Use is the cancellation of the Service. By viewing, using, or interacting in any manner with this site, including banners, advertising, or pop-ups, and as a condition of the website to allow his lawful viewing, Visitor forever waives all right to claims of damage of any and all description based on any causal factor resulting in any possible harm, no matter how heinous or extensive, whether physical or emotional, foreseeable or unforeseeable, whether personal or business in nature.

 

USE OF PASSWORD

The user shall be responsible for creating and safekeeping of his/her Password. In the event the User is given a password by Mind Your Savings, the User shall ensure that such password is kept in a secure manner. User may not assign his/her password obtained to any person or entity without the prior written consent of Mind Your Savings. Mind Your Savings does not have access to such a password since it is generated randomly on the Mind Your Savings system, encrypted and passed on to the User. User shall bear all responsibility of keeping the password secure and in the event that the User incurs any liability to Mind Your Savings or any other third party as a result of the password being used by third parties, or due to improper use of the password, User shall, without limitation, bear all such liability. Notwithstanding anything contained herein, in the event any liability arising to the User as a consequence of any of Mind Your Savings's employees accessing the User's password without authorization shall be borne by the User.

 

SUBMISSIONS

Visitor agrees as a condition of viewing, that any communication between Visitor and Website is deemed a submission. All submissions, including portions thereof, graphics contained thereon, or any of the content of the submission, shall become the exclusive property of the Website and may be used, without further permission, for commercial use without additional consideration of any kind.

 

MONITORING

We have the right, but not the obligation, to monitor any activity and content associated with the website(s) and/or the services. We may investigate any reported violation of these Conditions or complaints and take any action that we deem appropriate (which may include but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials on the website(s) and/or the services).

 

GOVERNING LAW AND JURISDICTION

This Terms of Use is governed by the laws of the Republic of India. The User hereby consents and submits to the exclusive jurisdiction and venue of Courts exclusively in Mumbai, Maharashtra, India in all disputes arising out of or relating to the use of this Web site or Service.

 

GENERAL

Nothing contained in this Terms of Use is in derogation of Mind Your Savings's right to comply with Governmental, Court and Law enforcement requests or requirements relating to the use of this website, Service or information provided to or gathered by Mind Your Savings with respect to such use.

This Terms of Use constitutes the entire agreement between the User and Mind Your Savings with respect to this Web site and the Services provided by Mind Your Savings online as well as offline.

 

FOREIGN JURISDICTIONS

All users of the Service in countries other than India understand that by using the Service, they may be violating the local laws in such countries. If the User chooses to access the Service from outside India, he shall be responsible for compliance with foreign and local laws. The Users agree that they will solely be liable for any liability incurred by them in this regard and will indemnify Mind Your Savings for any liability Mind Your Savings may incur in any foreign jurisdiction as a consequence of citizens/residents of countries other than India using the Service. This service does not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.

Please Note: Mind Your Savings do not offer any of its personalized advisory services which include Financial planning, Mutual Fund Portfolio Review Service, Mind Your Savings Wealth Building Service and Wealth Planning Services to USA, Canada and European Union countries based residents/citizens. The Securities and Exchange Commission of USA does not allow Mind Your Savings to offer any of its advisory services to USA-based Residents.

 

FEEDBACK

Mind Your Savings reserves the right to reproduce in part or full clients views about its services in its product promotions or in its communications with prospective clients. Clients who do not wish their views to be used as above may intimate Mind Your Savings only in writing to this effect.

 

TERMINATION

If the User violates any term of this Terms of Use, Mind Your Savings may terminate the User's access to this website, without waiving any other rights. The User would continue to remain liable for any liabilities that may have arisen before the termination.

In addition to the general restrictions above, the following specific restrictions and conditions apply to your use of content on the Mind Your Savings Website.

The content on the Website, except all User Submissions (as defined below), including without limitation, the text, software, scripts, graphics, photos, interactive features and the like ("Content") and the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to Mind Your Savings, subject to copyright and other intellectual property rights under the law. Content on the Website is provided to you AS IS for your information and personal use only and shall not be copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the Mind Your Savings. Mind Your Savings reserves all rights not expressly granted in and to the Website and the Content.

You may access Mind Your Savings Content and other content only as permitted under these terms. Mind Your Savings reserves all rights not expressly granted in and to the Mind Your Savings Content and the Mind Your Savings Service.

You agree to not engage in the use, copying, or distribution of any of the Content of the Website for any commercial purposes.

You agree not to circumvent, disable or otherwise interfere with security-related features of the Mind Your Savings Website or features that prevent or restrict use or copying of any Content or enforce limitations on use of the Mind Your Savings Website or the Content therein.

 

FOR MIND YOUR SAVINGS'S MEMBERSHIP PLANS, THE FOLLOWING TERMS AND CONDITIONS WILL APPLY:

• This service cannot be transferred or gifted to anyone during the lifetime of the Subscriber.
• The subscription may or may not last during the lifetime of the Subscriber.
• The subscription fee will be payable annually. Mind Your Savings may decide to increase/decrease or in any way modify the annual charges applicable to such services. The Subscriber agrees to be bound by them.
• If the member does not pay the annual maintenance fee, his/her access to the Mind Your Savings's paid plans will be suspended immediately. The service can be reactivated at any time by paying the maintenance fee for the current year.
• In case the subscription is discontinued for any reason whatsoever, the Subscriber will not be eligible to receive any reports which form a part of this offer.
• No request for change in the composition of the service will be entertained/accepted by Mind Your Savings.
• Mind Your Savings may at its discretion and from time to time, change, add, remove features of the composition of this service without notice. In such circumstances, Mind Your Savings will on a best effort basis compensate the Subscriber by providing access to any of its other services.
• Mind Your Savings shall not be liable in damages for any delay or default in performance hereunder or any direct/indirect loss if such delay or default or loss is caused by winding up, transfer, assignment of Mind Your Savings's business or due to conditions beyond its control including, but not limited to Acts of God, Government restrictions, strikes, wars, and/or any other cause beyond the reasonable control of Mind Your Savings.
• Mind Your Savings is neither a university nor an educational institution nor affiliated with one and will not grant a degree on completion of any e-learning course.

 

REFUND POLICY

Mind Your Savings offers all information and details to help you make an informed decision about the service that you wish to subscribe to. Mind Your Savings's subscription services information on the website is also detailed and secure to ensure that you make the appropriate payment for the required service.

We may offer our services, from time to time, with or without a refund option.

Refunds are made only in the following cases:

• If duplicate payment transactions have happened for the same service.
• If excess payments have been charged/paid for the service subscribed to.

 

Refund will NOT be made in the following cases:

• If the refund has been demanded after the expiry of the "refund offer" period. The request for refund must reach us within such specified time and delays in courier etc. are not acceptable reasons for late claims.

 

REFUND METHOD AND PROCESS

Mind Your Savings will NOT make any CASH refunds.

Refunds will be made as:

• Cheque/DD
• Transfer to the online account

Mind Your Savings will take into consideration the convenience/preference of the subscriber for making the refund payment, to the extent possible. However, it reserves the right to determine the final mode of payment.

A written request has to be made for seeking a refund explaining the reasons for seeking a refund or under which offer he/she is claiming a refund from us. An email to info@mindyoursavings.com is acceptable as written requests. The letter should state the bank account to which the refund amount is to be transferred or the address to which the cheque / DD should be delivered.

Refunds will be processed within 30 days of the request being received.

Mind Your Savings has the right to make the final decision on Refunds which cannot be contested in any court of law or any other authority.