The Website www.finzcapital.com, and other sub-domains (hereinafter referred to as the “Website”, “Site” or “Platform”) are owned, managed and governed by FinZ Capital (hereinafter referred to as “We”, ”Us”, ”Company” or “FinZ Capital”). Wherever the terms “You”, “Your” or “User” are used, it 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. Collectively the User and the website or the Company may be referred to as the “Parties”.

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ENTIRE AGREEMENT

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The Privacy Policy as published on the Website and Service Agreement signed by the User (if any) are herein incorporated by reference and shall be deemed to be part of this Terms of Use from hereon. That, together the Terms of Use and the Privacy Policy shall represent the entire agreement between the Website or 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.

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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.

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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.

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The Company shall be at liberty to amend or modify these Terms of Use and the Privacy Policy from time to time on its sole and exclusive discretion without any prior notice or intimation to any User or anyone else. The Company shall also have the sole and absolute right to change, modify or amend the Service Agreement, as and when desired by it. Continued use of this Website in anyway by any User shall constitute the User’s consent to and acceptance of the modified or amended Terms of Use and the Privacy Policy. If there is any change or modification as and when desired by the Company in the Service Agreement that a User signs (if any) when availing any of the services offered by the Company, the Company will notify the concerned user(s) of such change or modification upon which the concerned user(s) shall have to sign the new changed/modified Service Agreement in order to further avail the services opted by them.

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WAIVER & SEVERABILITY

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Failure to assert any of its rights or wilful ignorance of violation of any of its right 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 that particular right which is so waived off by the Company and shall not affect any other rights arising out of the Terms of Use, Privacy Policy or the Service Agreement signed by the User (if any) when subscribing to any of the services offered by the Company or using the Website in any way for any purpose.

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The provisions contained in these Terms of Use and Privacy Policy shall be severable, and in case if 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 by the Company on its sole and exclusive discretion.

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OWNERSHIP

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Any content available or displayed on the Website or available for download whether for free or 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 exclusive property of the Company and 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. 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. 

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LICENSE

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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 strictly for personal non-commercial use for the applicable fees (if any) subject to the terms and conditions contained herein and the Privacy Policy.

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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 store, any Content, whether in whole or in part, contained on the Website. In absence of the said prior written permission, 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 or social or ethnic group or nationalities. The Users hereby undertake to not use the Website for any unlawful purpose whatsoever and to honour all reasonable requests by the Company or the Website to protect its proprietary rights and interests.

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TERMINATION

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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 is in violation of 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. The Company or the Website shall under no circumstances be liable to any User or any third-party for termination of User’s access to the Website or its services for any reason.

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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. 

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REGISTRATION

 

Registering on the Website provides a special restricted access to the Website and its content 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 personal information, failure to do so shall constitute breach of this Agreement and shall expose them to the risk of termination of their access by the Company.

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Having someone else to register on the Website or using, browsing, accessing or availing the services of the Website through a third-party, 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.

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

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THE USER'S CONTENT

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The Website and the Company shall be entitled to use the information provided by the Users (“User Content”) in their print and electronic publication. 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.

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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.

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

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ADVERTISERS

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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 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.

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LINKS TO OTHER WEB SITES

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The Website contains hypertexts, links and addresses to other websites and webpages for the reference and convenience of its Users. These hypertexts, links and addresses may take the Users to different webpages and websites owned and operated by persons, groups or corporations other than the Company and are the sole responsibility of the respective owners and managers. The Website may contain articles contributed by individuals not associated with the Company. The views expressed by such individuals are their own and do not represent the views of the Website or the Company.

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Neither the Company nor the Website has any control or ownership on 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 or liable for the accuracy, correctness or legality of content, services, products or other material whatsoever on such websites and webpages.

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Any reference or display of any names, products, services or marks belonging to or offered by a third-party or presence of their hypertexts or links on the Website, does not constitute any recommendation, endorsement, affiliation or sponsorship of such third-party or its products or services. The Users are solely responsible for their use and access of 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.

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LIMITATION OF LIABILITY

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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 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.

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In no case shall the Company or the Website be liable for any:

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1. Mistake, inaccuracy or error in the content available on Website;

2. 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;

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

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

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

6. Offensive, defamatory or illegal conduct of any third-party on the Website;

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

The Company and the Website shall not be responsible for mediating or resolving any dispute between any User and any third-party provider or affiliate.

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Presence of any third-party providers on the Website or any database maintained by the Website about any third-party providers, shall in no case be construed as recommendation, solicitation or endorsement of any such third-party providers. Any information about such third-party providers shall not be treated as device to confirm their credibility, qualification or abilities.

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NO WARRANTY

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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, accuracy, 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 third-party provider 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 third-party provider to obtain a favourable result for any User. 

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The Company is neither a university or educational institution, nor is it associated or affiliated with any university or other educational institution. The courses offered by the Website are not certified by any educational body or Central or State government including any government body such as SEBI. The certificate provided by the Website on completion of its courses by the Users is not equivalent to any degree, certificate or diploma provided by any registered educational institute.

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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 its services and download the content available thereof on their exclusive and sole discretion and risk.

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FinZ Forum Community Guidelines:

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FinZ Forum is an online platform in which participants engage in topics varying from the serious to the delightfully trivial. To ensure our acceptable use policy, guidelines have been established to help you do your bit in making the community a safe and enriching place. We expect each member to conduct themselves with integrity, decency and respect, and your use of FinZ Forum is subject to the FinZ Capital Community Guidelines and the Terms. We are continuously learning and evolving on our standards here.

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Violating the Community Guidelines may result in the termination of your FinZ Capital account.

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The Good

 

The platform depends on each member to help keep FinZ Forum a safe, fun and positive place for everyone. Anyone can report abuse, but members who earn good reputations can help us detect and remove abuse more quickly.

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• Share what you know - Be open to sharing your learnings here. This way all of us evolve and grow.

• Be courteous – FinZ Forum is a diverse community of people with diverse opinions. It is up to each of us to be polite and to treat one another with respect.

• Be a good citizen - If you see great content, give it a star or thumbs up. If you see abuse, report it. Before you write anything, ask yourself if your contribution increases the strength and virtue of the community. You make a difference in shaping FinZ Forum.

• Cite your sources - We encourage members to use online resources when answering questions. Just make sure you cite your sources and give credit where it is due. 

• Ask clearly - Keep your questions succinct and descriptive, and check your spelling and grammar. It helps people find your questions, and you’ll also get better answers.  
   

The Bad

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Your use of FinZ Forum is subject to the FinZ Capital Community Guidelines. FinZ Capital Community Guidelines, and also the Terms of Service.

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Members who have violated the Community Guidelines are at risk of review and possible termination of their Answers accounts.

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• Venting, ranting or using hate speech - FinZ Forum isn’t a soapbox to vent personal frustrations or rant about issues. We are a community of people with diverse beliefs, opinions and backgrounds, so please be respectful and keep hateful and incendiary comments off FinZ Capital. 

• Chatting or otherwise violating the question-and-answer format - FinZ Forum is a community of questions and answers, not a chat room. If a post is neither a question nor an answer, it doesn’t belong here.

• Being mean or obscene - People from different communities will be taking part in FinZ Forum, so vulgar language and images are not welcome on the site. Belligerence, insults, slurs, sexually explicit content and generally objectionable speech are also to be avoided. If you wouldn’t say it in public, don’t post it on the Forum.

• Exploiting the community - FinZ Forum is a place to gain knowledge, not customers, page views or dates. If you have years of experience in something, have a special hobby, own your own business, or if you are a knowledge partner, it’s fine to accompany a good, on-topic answer with a link to your website, blog or email address to offer more information. However, it is not acceptable to post links that are unrelated to the topic or are clearly meant only to solicit others for personal and financial gain. Also prohibited are solicitations such as ‘Will you add me as a contact?’ or propositioning people. 

• Violating the law - Members of FinZ Forum are not above the law, so don’t post anything that violates the laws of your country, region, county or town/city. Don’t try to trick people into sharing their personal information, steal anything (such as copyright or trademark material) or break into places you shouldn’t be. Don’t threaten, harass, impersonate or hurt others, and don’t invade other people’s privacy.

• Behaving maliciously - Don’t post links to sites that contain viruses or malicious programs or that which interferes with the operation of FinZ Forum. 

• Misusing Answers - Don’t create multiple accounts to troll or otherwise violate these guidelines or the FinZ Terms of Service. Don’t post things that are incomprehensible or in the wrong language, and don’t post the same question over and over again. The community depends on you to report abuse and rate questions and answers, so using product features such as reporting abuse and providing ratings to target others is not allowed. 

• Doing harm - Be responsible and don’t misrepresent yourself, claim false credentials or expertise, or give advice in a way that might cause someone harm. Don’t incite or advocate violence or harmful practices.

 

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We reserve the right to revise these guidelines at any time and without notice.

 

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DISCLAIMER for GENERAL SERVICES 

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FinZ Capital through “FinZ Research”, “FinZ Markets” and “FinZ Forums” intends to provide general buy sell recommendations on investment in equity, mutual funds, retirement & insurance plans, etc. which are generally recommendable owing to the positive inclinations in them and nothing on the Website or shown as part of the service is to be construed as individual specific investment advise. The said buy sell recommendations are general in nature available to all, irrespective of their financial health or goals and are made available electronically via the Website on an “AS IS” basis. The User understands that the recommendations may or may not suit his/her financial objectives.

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The User understands that investing in securities market is inherently risky and is advised to consult a financial planner or investment advisor to know about investment instruments suitable to him/her according to his/her financial health and goals. Any information on the website shall in no case be construed as an offer to sell, solicitation to buy or invest in any such instrument and the Company shall in no condition be held liable or responsible for any loss(es) incurred, charges borne, investments made, or decision(s) taken or not taken based on any information provided on the Website by the User. The User is well aware that any return(s) or increment(s) as show in “FinZ Research”, “FinZ Markets” and “FinZ Forums” do not take into account the charges that the User shall have to incur on buying or selling any investment instrument listed in it. The User understands that asset allocation varies from person to person according to their financial health and goals and thus, undertakes to not make any investment related decisions based solely on the information provided on the Website, moreover, the User understands that he/she should not invest unless they can afford to take risk on their investment and thereby undertakes to invest solely on his/her own risk and volition.

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The User agrees that he/she shall invest on their own risk and that the Company does not provide any guarantee whether express or implied as to the returns that may or may not be derived by the Client from such investment(s). The Client also understands that all the charges and expenses borne on investing, all profit(s) and loss(es) derived by the Client out of investment(s) made by him/her and any charges or taxes paid on capital gains whether short term or long term, are to be enjoyed and borne by the Client alone and the Company does not provide any express or implied guarantee whatsoever and shall not be liable for the same. The Client agrees that the information provided as part of the service being provided to him/her are for research, educational and information purpose only and that he/she must further their own independent research on the basis of the said information. The Client understands that investing is subject to market risks and that past performance is not an indicator of future returns, and that the Company does provide any guarantee or warranty of assured returns and that the Company may change its views whenever the situation warrants. The Client understands that the Company or any of its associates, employees, representatives or authorised personnel, may or may not have invested in the instrument(s) mentioned on the Website.

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ANTI-HACKING PROVISION

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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:

1. 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;

2. 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;

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

4. Gain unauthorised 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 unauthorised means or violate the Website’s security in any way;

5. 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;

6. 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.

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DISCLAIMER: OUR PLATFORMS AND THE SERVICES ARE PROVIDED ON AN “AS IS” BASIS WITH ALL FAULTS AND WITHOUT ANY WARRANTY OF ANY KIND. THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE PLATFORM/PRODUCTS AND THE SERVICES, INCLUDING WITHOUT LIMITATION, ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, TIMELINESS. PERFORMANCE, COMPLETENESS, SUITABILITY AND NON-INFRINGEMENT. ADDITIONALLY, THE COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE PLATFORM, OR THE APPLICATION OR THE SERVICES. YOUR USE OF ANY INFORMATION OR MATERIALS ON THIS PLATFORM/SERVICES/PRODUCTS IS ENTIRELY AT YOUR OWN RISK, FOR WHICH WE SHALL NOT BE LIABLE. IT SHALL BE YOUR OWN RESPONSIBILITY TO ENSURE THAT SERVICES PROVIDED BY US MEET YOUR SPECIFIC REQUIREMENTS.