By visiting any page or section of ICRA IMPACT or the website www.mutualfundsindia.com, you are agreeing to be bound by the following terms and conditions. ICRA Online Ltd. retains the right to change any of these terms and conditions at any time without any prior notice. Your continued use of the site means that you accept all new and modified terms and conditions.

In order to use the Services, you must first agree to the Terms. You may not use the Services if you do not accept the Terms.

You can accept the Terms by:

(A) clicking to accept or agree to the Terms, where this option is made available to you by ICRA Online Limited in the user interface for any Service; or

You may not use the Services and may not accept the Terms if

• You are not of legal age to form a binding contract with ICRA Online Limited.
  
• You are a person barred from receiving the Services under the Indian laws or other countries including the country in which you are resident or from which you use the Services.

You should regularly re-visit the `Terms of Use' link at our site from time to time to stay abreast of any changes that we may introduce.

Unless otherwise agreed in writing with ICRA Online Limited, your agreement with ICRA Online Limited will always include, at a minimum, the terms and conditions set out in this document.

These are referred to below as the “Universal Terms”.

ICRA Online Ltd. (ICRA Online) hereby grants you a limited, non-exclusive, non-assignable and non-transferable license to access the site provided and expressly conditioned upon your agreement that all such access and use shall be governed by all of the terms and conditions set forth in this USER AGREEMENT.

ICRA Online has taken due care and caution in compilation of data for its web site. Access to any information including text, graphics, links on or through this Website is provided only on an "as is where is basis" and “with all faults”. ICRA Online does not warrant the accuracy, adequacy or completeness of this information and material and expressly disclaims liability for errors or omissions in this information and material. All information or products available on or through the Website, and any software made available on the Website, are on a "best effort basis". The information contained in this website is for general information purposes only.

The site as well as the design, information, calculators etc. contained in this site is the exclusive property of ICRA Online, and nothing in this Agreement shall be construed as transferring or assigning any such ownership rights to you or any other person or entity. ICRA Online is free to sell, assign and allow any persons to use the site at its own discretion. All rights not expressly granted are reserved by ICRA Online.

It is expressly agreed that ICRA Online allows you to use the site only for legitimate purposes. You shall not allow any unauthorized persons to use the Site and in the event of loss or misplacement of the Login details and or any suspect of such loss or knowledge of any unauthorized access or usage, you shall immediately inform the same to ICRA Online. ICRA Online has the right to deny access to the site or any portion thereof without any prior notice if,

• Any unauthorized access or use is found or suspected.
• You assign or transfer (or attempt the same) any rights granted to you under this Agreement.
• You violate any of the other terms and conditions of this User Agreement.

ICRA Online shall not be liable for any losses incurred by you due to misplacement or misuse of Authorized Login.

Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence.

From time to time this Website may contain links to other websites operated by parties other than ICRA Online. These links are provided for your convenience to provide further information. ICRA Online is not responsible for the contents of or information offered by any linked website or any link contained in a linked website, or any changes or updates to such websites, irrespective of whether these websites are operated by group companies of ICRA Online or other third parties. Inclusion of such a link on the Website does not imply any degree of endorsement by ICRA Online, regarding the quality of information provided or the nature of content by such a linked website by ICRA Online.

You may not create a link to this website from another website or document without [business name]'s prior written consent.

The Website may contain information sourced from third parties. ICRA Online is not responsible for the contents of or information offered by such third parties on the Website. Inclusion of such information on the Website does not imply any degree of endorsement by ICRA Online, regarding the quality of information provided or the nature of content provided by the third party.

It is expressly agreed that you shall not sell, distribute, rent, lend, assign, lease, sub-license or otherwise transfer any of the rights granted to you under this Agreement to any third party without the prior written consent of ICRA Online. Further you shall not allow any third party to use or access the site directly or indirectly, whether on a time sharing, remote job entry, facility management, commercial sharing, leasing or on any other arrangement basis, without the prior written consent of ICRA Online and as expressly authorized by ICRA Online in the License Agreement.

You shall not reverse engineer, decompile, disassemble, modify or attempt to modify, directly or indirectly allow or cause a third party to disassemble or reverse compile the whole or any part of the Site or merge all or any part of the Site with other computer programs, products or services.

The site may be used only within India. ICRA Online may allow its clients to use the site outside India at its own discretion and after agreeing to the same in writing. ICRA Online shall have no legal liabilities whatsoever under any laws of any jurisdiction other than India.

ICRA Online may at its option upgrade, modify and make additions to the Site from time to time during the subsistence of this Agreement without any prior notice to the user. ICRA Online shall have the copyright over the site (including but not limited to any text, article, report, content, video, audio and applets, incorporated into the Site) and the accompanying printed materials, if any. All Intellectual Property Rights in or related to the Site, data, modules, computations and calculations etc. are and shall remain the exclusive property of ICRA Online Ltd only.

ICRA Online has not given any right to use the Site except for the limited purposes expressly set forth in this Agreement.

ICRA Online makes no warranty, guarantee or representation as to the accuracy of the information provided in the Site including calculations contained therein and assumes no responsibility for any loss or damage howsoever suffered from any error or omission in the information thereon. In no event shall ICRA Online be liable for any direct, indirect, incidental, consequential, direct or special punitive or other damages of any nature including, without limitation to damages for any injury to persons or property, lost business/profits, for negligence, business reputation, business interruption, loss of business information, for loss of privacy for failure to meet any duty including of good faith and for pecuniary of other loss whatsoever arising out of the usage of the site.

ICRA Online and/or its respective suppliers may make improvements and/or changes in this web site at any time. This site may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. ICRA Online shall not be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes, walkouts, fire, acts of God, riots, armed conflicts, acts of war, or other like causes.

NEITHER ICRA ONLINE NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, GROUP COMPANIES OR SERVICE PROVIDERS SHALL BE LIABLE TO THE USERS OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF THE SITE OR INABILITY TO GAIN ACCESS TO OR USE THE SITE OR OUT OF ANY BREACH OF ANY WARRANTY.

In relation to any legal action or proceedings against ICRA Online in a court of law regarding any matter connected or related to use or access of this Site, such person accessing this Site irrevocably submits to the exclusive jurisdiction of the courts of Mumbai and waives any objection to such proceedings on grounds of venue or on the grounds that the proceedings have been brought in an inconvenient forum. The governing law in such legal proceedings referred to above shall be the laws of the Republic of India.

Investments in mutual funds, equity shares, debentures etc, are subject to market risk and not obligations of or guaranteed by ICRA Online. ICRA Online does not recommend investment in any particular scheme or fund house. No representation is being made that usage of the site will or is likely to achieve profits or losses similar to those shown in any part of the site.

Any information on this Website must not be construed as business/investment advice, and the user should exercise due caution and/or seek independent advice before the user enters into any business alliance with any party or enters into any investment or financial obligation based on any information which is provided on this Website.

You shall be solely responsible for maintaining and operating your own computer hardware and all such equipments necessary to access the Site, and the costs of any such equipment and/or telephone/internet connections or use, including any applicable taxes, shall be borne solely by you.

The Terms constitute the whole legal agreement between you and ICRA Online Ltd and govern your use of the Services (but excluding any services which ICRA Online Limited may provide to you under a separate written agreement), and completely replace any prior agreements between you and ICRA Online Limited in relation to the Services.

You agree that if ICRA Online Limited does not exercise or enforce any legal right or remedy which is contained in the Terms (or which ICRA Online Limited has the benefit of under any applicable law), this will not be taken to be a formal waiver of ICRA Online Limited’s rights and that those rights or remedies will still be available to ICRA Online Limited.

If any court of law, having the jurisdiction to decide on this matter, rules that any provision of these Terms is invalid, then that provision will be removed from the Terms without affecting the rest of the Terms. The remaining provisions of the Terms will continue to be valid and enforceable.

If you don't agree with any of our disclaimers above please do not read the material on any of our pages. This site is specifically for users in the territory of India. Although the access to users outside India is not denied, ICRA Online shall have no legal liabilities whatsoever in any laws of any jurisdiction other than India.

Internet Usage Term

This website and its content are copyright of ICRA Online Ltd. - © [ICRA Online Ltd] [2009]. All rights reserved.Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:

• You may print or download to a local hard disk extracts for your personal and non-commercial use only.
  
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You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system