Terms & Conditions

This "Terms& Conditions " constitutes the entire agreement between YOU referred hereafter as the “the User” and www.arthasarathi.com with respect to this Web site and the Services provided by www.arthasarathi.com (a domain and business owned by TrEduCon Solutions Private Limited Mumbai ) www.arthasarathi.com is an on-line Directory of Financial Planners and Advisors wherein they get themselves registered and may also pay an annual subscription fee based on the level of service that we offer to them. www.arthasarathi.com ( Hereafter referred as “AS”) offers a free and, in some cases charged registration to showcase their professional capabilities in the domain of personal financial planning but does not a solicit any professional work by any of the Advisor whose Profile is displayed on the website. AS however, offers a free registration for individuals or group of individuals (Who are not Financial Planners or Advisors) who willingly wish to explore, know more and avail financial planning services for themselves. AS offers them knowledge about the process of personal financial planning and offers them to connect with the Financial Planners and Advisors listed on the site. While the basic subscription for AS is free for users, Users may also be charged a fully or partially refundable convenience fee for connecting with and availing services from Financial Planners & Advisors listed on AS. The refund of convenience fee ( listed in details “Conditions” below) will be made in the form of Reward Points called “AS Rewards”. This document will refer to the following definitions

Definition

• "Financial Planners and Advisors" Hereafter referred as “FPA”s: The term "Financial Planner and Advisors" means and includes persons/professionals (whether individuals, firms, companies or LLPs) competent and qualified to impart "services" depending upon the requirements of the regulator(s) of these "services".

• "AS Basic" : The term "AS Basic" means and includes a Free listing of the FPA(s), including the services/Advisory that such FPA may offer / willing to offer to the users.

• "AS Premium": AS Premium for this purpose means and includes a paid listing of the Profile/ details of the Advisor(s), including the services/Advisory that such Advisor(s) may offer / willing to offer to the users. Being a paid listing the achievements and services of the Advisor(s) may be appropriately highlighted by the website.

• "Service" : Service for this Offer means all services as enumerated under the icon - "Services to be covered under personal finance domain".

• "Users" : User for this Offer means all persons (including individuals, FPAs, companies, LLPs, partnership firms or other entities) who get themselves registered with www.ArthaSarathi.com with intent to view, review and utilize the services of the FPAs registered on AS

Acceptance of Terms & Conditions

This Web- Site 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, as mentioned above whether provided by AS or by FPAs registered thereon whether pursuant to subscription, if any, or otherwise. By agreeing to this terms of use , the user agrees to the following statement “Notwithstanding my telephone/mobile is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing and registering with my details on this web site and leaving the site half way enquiring about services and products offered by www.arthasarathi.com’ products/services and or my making a request to call me back, it is deemed that I have expressly authorized www.arthasarathi.com and / or I am hereby authorizing www.arthasarathi.com to call me back or send me text messages for solicitation and procurement of various products and services of www.arthasarathi.com In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by www.arthasarathi.com to me.

Intellectual Property Rights (IP)

AS 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 AS and/ or its Suppliers 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. www.arthasarathi.com or other third parties 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. The Service is not sold to the User. AS owns the Service, its applications and Trademarks.

ArthaSarathi Privacy Policy

Privacy of information of users is important to us. This privacy statement outlines how we collect information from you, when you register as a user at www.arthasarathi.com ("website" / "site") and what we do with that information. When you browse through the pages of the website, read or download information, we may collect, note or analyze details about your visit such as: • Address of your server • Your operating system, domain name and the type of web browser you use • The date and time of your visit to the website • Whether you have visited the website previously • What pages of the website you accessed and what you downloaded • Your usage pattern and characteristics. This information we collect relates also to your server or PC and not necessarily about you yourself. The information we collect will be used within www.arthasarathi.com to help us improve our online services keeping in mind your needs, and to help us to provide you faster navigation and access to the various sections of the website. We may disclose this information to other persons for these purposes or for related purposes, including to information-technology companies who assist / may assist us in constructing, designing and maintaining the website. We may also collect your personal details including your credit card details (in case of payment through Auto debit mode) while registering you as a user or subscriber of our various online services or if you email us with a comment or query. Your details will be used: • To display your details that will be read by other users • To answer your comment or query • To monitor our responses to you • For our internal sales and marketing analysis • To facilitate payment through Auto debit mode We may also contact you to follow up on your order or request, if any, or to provide you with further information about our products and services which may be of interest to you. Where we need to send you any documents, we may disclose your personal details to the mailing houses, printers or document management providers which www.arthasarathi.com uses so that they can forward the documents to you on our behalf. We may share information we collect via the website to other members of any of our other project/ group company who may use the same to provide you with information on various products and services which may be of interest to you. If you want to find out what personal information (if any) we hold in respect of you which has been collected through the website, or if you wish to update or correct your personal information, please contact us.

Collection of information

The user represents that he is fully aware that in the course of using this website or in the process of subscribing to the products and services or part of it, www.arthasarathi.com may obtain information relating to the user, including information about his/her credit card and personal information for facilitating payment on auto debit basis which is of a confidential nature. www.arthasarathi.com does not collect personal information about the user except when such users specifically provide such information on a voluntary basis. For example, such information may be collected through the registration process for subscribing to services or in connection with contest submission, message boards, suggestions & voting/polling activities. This information may be stored by www.arthasarathi.com or its affiliate(s) and used by www.arthasarathi.com and will be kept confidential. Personal information on users will not be used or otherwise transferred to unaffiliated third parties without the approval of the user.

Privacy commitments

www.arthasarathi.com is strongly committed to protecting the privacy of its users and has taken all necessary and reasonable measures to protect the confidentiality of the users information and its transmission through the world wide web and it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Commitment or in terms of the agreements, if any, with the users. Employees of www.arthasarathi.com will not discuss the business affairs of any user with any other employee, except on a strict need-to-know basis.

Use of Information

ArthaSarathi.com undertakes not to disclose the information provided by the users to any person, unless such action is necessary to: • Confirm to legal requirements or comply with legal process such as requests of the government, court, tribunal, authority or other regulatory agency and/or required by any law; • Protect and defend rights, interests or property of www.arthasarathi.com or its affiliate(s); • Enforce the terms and conditions under which its products and/or services are sold; or • Act to protect the interests of www.arthasarathi.com, its affiliate(s), or its members, constituents or of other persons. www.arthasarathi.com may use and/ or share the information provided by the users as it may deem necessary with its affiliate(s) and third parties for providing services and any service-related activities in order to serve you better. In this regard it may be necessary to disclose the user information to one or more agents and contractors of www.arthasarathi.com, and their sub-agents or sub-contractors, but such agents, sub-agents, contractors and sub-contractors will be required to use such information only for the stipulated services. www.arthasarathi.com may disclose the user's personal information to government, court, tribunals, authorities or other regulatory agency and/ or as may be required by the law to comply with their bonafide request. In either case www.arthasarathi.com shall be bound by and shall at all times have the legal right to disclose any or all personal information given by the user to it and www.arthasarathi.com shall not be held responsible or liable for any eventuality, loss or damage to the user that may arise out of such action on its part. Further, some of the user information is maintained in marketing database of Arthasarathi.com. www.arthasarathi.com may contact a user either by post, or by telephone or e-mail primarily as a follow-up to the request/enquiry of the user or to answer any questions. www.arthasarathi.com may also contact a user from time to time in respect of other products and services that may be of interest to users. If a user does not wish to receive information about these products or services, the user may simply contact www.arthasarathi.com by phone, e-mail or post and communicate its desire not to receive information on these products or services. www.arthasarathi.com may inform advertisers of information on user's behavior and characteristics showing interest in various areas of the www.arthasarathi.com website as well as number of users that have been exposed to or clicked on their advertising banner. www.arthasarathi.com will provide only aggregate data from such analysis done by it to third parties. Also, users should be aware that www.arthasarathi.com may sometimes permit third parties to offer subscription and/or registration-based services through www.arthasarathi.com is not responsible for any actions or policies of such third parties and users should check the applicable privacy policy of such party when providing personally identifiable information.

Opt-Out

If, at any time after registering for information or subscribing to any of our services, you wish to discontinue receiving information from us or you wish to opt out of our marketing or promotional emails, phone calls or discontinue receiving any other direct communication from us, please either click on the "unsubscribe" link available in the service/promotional/marketing emails or send us your request to unsubscribe at EArthsarathi@gmail.com Policy against advertising www.arthasarathi.com website using unsolicited email messages www.arthasarathi.com ensures that all emails promoting www.arthasarathi.com or its services or the domains owned by it are sent only to subscribers who have agreed to receive such messages. www.arthasarathi.com prohibits any advertising of its brand and Website using unsolicited email messages. Any non compliance with this policy would cause partnership termination and/or affiliate account termination. If you feel that you have received unsolicited emails from www.arthasarathi.com and would like to register a complaint, please contact us at connect@arthasarathi.com. We will on a best effort basis investigate all complaints related to unsolicited email messages.

Security

The user shall cooperate with www.arthasarathi.com in order to ensure the security of the information, and we recommend that the users necessarily choose their passwords carefully such that no unauthorized access is made by a third party. The users should undertake not to disclose their password to anyone or keep any written or other record of the password such that a third party could access it.

Payment through credit card

In case of annual / other subscription to services through online card payments including on auto debit, www.arthasarathi.com may obtain private information from the Subscriber including but not limited to date of birth, card number, card expiry date and such other details as may be required by the online payment gateway or as required under any law for the time being in force. In such cases, www.arthasarathi.com shall take all measures including following such security practices and procedures designed to protect all private information obtained from the Subscriber from unauthorized access, damage, use, modification, disclosure or impairment, as may be deemed necessary and reasonable or as may specified by any law for the time being in force.

Cookies

Users are also aware that non-personal information and data may be automatically collected through the standard operation of internet servers or through the use of "cookies" by www.arthasarathi.com."Cookies" are small text files a web site can use to recognize repeat users, facilitate the user's ongoing access to and use of the site and allow a site to track usage behavior and compile aggregate data that will allow content improvements and targeted advertising Cookies are not programs that come onto a user's system and damage files. Generally, cookies work by assigning a unique number to the user that has no meaning outside the assigning site. Users are also hereby being made aware that www.arthasarathi.com cannot control the use of cookies or the resulting information by advertisers or third parties hosting data for www.arthasarathi.com. If a user does not want information collected through the use of cookies, there is a simple procedure in most browsers that allows the user to deny or accept the cookie feature; however, users should note that cookies may be necessary to provide the user with certain features (e.g., customized delivery of information) available from www.arthasarathi.com. The right to change this policy at any time by notifying users of the existence of a new privacy statement. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Third Party Advertising

We may use third-party advertising companies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you. Please note that this Privacy Statement does not extend to third party sites linked to this website.

Amendments

www.arthasarathi.com reserves the right to modify the whole or some sections of this Privacy Statement at any time. Please check this statement from time to time for any changes.

References

• to 'you, 'your' and 'yours' are references to the person(s) accessing this website.

• to 'we', 'us' and 'our' are references to mean individually and collectively www.arthasarathi.com, ArthaSarathi, and its directors, officers and employees.

Contact

  • You may contact us at:
  • ArthaSarathi (a domain and business owned by TrEduCon Solutions Private Limited Mumbai)
  • C702, Panchsheel,
  • Bimbisar Nagar
  • Goregaon (E)
  • Mumbai - 400065 (India)
  • Telephone : +91 8657562220
  • Email : connect@arthasarathi.com
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