“App” means the mobile application by the name ‘Ratnifinserv’ or any third-party application licenced to us (currently we’re using Mint by Investwell for our clients) available on android, iOS or any other app stores.
“Website” means the website hosted as ‘www.ratnifinserv.com’
“User” means any person who downloads the Application and/or a person who access the Ratnifinserv and/or a person who avails any of services, products or facilities offered through the Ratnifinserv.
“Group Companies” includes any company which is a holding, subsidiary, fellow subsidiary, or associate of the Company.
“KYC” means all requirements pertaining to “Know your client” Norms and customer due diligence, with respect to User, as per the requirements prescribed by regulatory authorities from time to time.
“Laws” means all laws, ordinance, statutes, rules, orders, decrees, injunctions, licences, permits, approvals, authorisations, consents, waivers, privileges, agreements and regulations of any Governmental authority having jurisdiction over the relevant matter as such which are in effect as of the date hereof or as may be amended, modified, enacted or revoked from time-to-time hereafter.
“Terms and Conditions” shall mean the product specific terms and conditions which are set out in the relevant product section.
Agreement to the all the policies and terms & conditions
Product-Specific Terms and Conditions.
AVAILABILITY OF Ratnifinserv
We make no representations and provide no warranties that:
- Ratnifinserv will be made available at any specific time or from any specific geographical location;
- your access to Ratnifinserv will be continuous or uninterrupted; or
- Ratnifinserv will be accessible or optimised on all browsers, computers, tablets, phones or viewing platforms.
We reserve the right to suspend access to all or part of the Ratnifinserv for any reason, including for business or operational reasons, such as improving the appearance or functionality of Ratnifinserv, content updates, periodic maintenance, or to resolve any issues that we become aware of. Wherever we anticipate that we need to suspend access to Ratnifinserv for a considerable period of time, we will try to provide you with prior notice where reasonably practicable.
Ratnifinserv is provided for users in India only. Although it may be possible to access Ratnifinserv from other countries, we make no representation that the Ratnifinserv is compliant with any legal requirements in force in any jurisdiction other than India or that the content available on Ratnifinserv will be appropriate for users in other countries or states.
- to reflect any changes in the way we carry out our business;
- to account for any changes we make to Ratnifinserv, including, without limitation, any new features or functionality we provide, any adjustments to the means by which we provide notices to you, or any changes in the content, purpose or availability of the Ratnifinserv;
- accurately describe our current data-processing activities so that you are kept up to date with our latest practices;
- to ensure that our documentation complies and remains compliant with any and all current and future applicable laws, regulations and official guidance issued by any of the regulators or any other government or Govt. Approved agencies.
Your Account Details / Information
If we provide you with account information or any other relevant information such as a username, user ID, identification number, account code and/or password, you must keep such information confidential and secret and not disclose it to anyone. All account information is provided for use by the named account holder only, and not for any other person. You are responsible for any consequences of unauthorised access to your account due to any disclosure of your account information to any third party knowingly or unknowingly.
Where we provide you with the option to select your own login information, including a password, we recommend that you do not supply login information unique to your own use of Ratnifinserv, and do not use information from other accounts you may hold with other Platforms or any easily discoverable information about you. You are responsible for any/all consequences of unauthorised access to your account due to any disclosure of your login information or other credentials to any third party knowingly or unknowingly.
You must never use another user’s account without the permission of Ratnifinserv and/or Affiliates. When creating your account, you must provide accurate and complete information. You agree that you will not solicit, collect or use the login credentials of other individuals at any point of time. We prohibit the creation of, and you agree that you will not create, an account for anyone other than yourself. You also represent that all information you provide to us upon registration and at all other etminey are true, accurate, current, and complete. You agree to update your information immediately upon any change as it is necessary to maintain its truth and accuracy.
If you know or suspect that the confidentiality of your login information has been compromised, for example, by the disclosure of such information to any third party, you must immediately change your password. If you are unable to change your password, you must immediately notify us by email, at email@example.com
Ownership of material on the Ratnifinserv
All trademarks, service marks, trade names, logos, copyright and any other intellectual property rights on Ratnifinserv and its content are either owned by us or licensed to us. All such rights are protected by intellectual property laws in India and around the world, and all rights are reserved. Any use of Ratnifinserv and its contents, other than as specifically authorised by the Company is strictly prohibited. Any rights not expressly granted herein are reserved by us.
Information and content on Ratnifinserv provided on non-reliance basis
Ratnifinserv is made available to you in order to provide you with general information about us, our business, and any products or services that we offer from time to time. We only make Ratnifinserv available for purposes as legally permissible and acceptable to regulators.
The content on Ratnifinserv is not intended to be construed as advice unless especially marked as Advice. The information and views provided on Ratnifinserv are based on information available and believed to be correct to the best of knowledge, although due care has been exercised to verify the accuracy of the information but you must not completely rely on the contents of Ratnifinserv for any purposes including investment and you must seek your own independent professional advice before deciding to take any course of action on the basis, whether in whole or in part, of any of the content available on Ratnifinserv at any time.
We make no representations and provide no warranties whatsoever, whether expressed or implied, that any of the content or materials available on Ratnifinserv from time to time are accurate, up to date or complete.
Permitted use of materials on Ratnifinserv
The content on Ratnifinserv is provided for your personal, private and non-commercial use only. You should not print or share the content from Ratnifinserv for any purpose. However, the sharing of content with the approval (written consent) of the Ratnifinserv is permissible only for lawful purposes, private and non-commercial purposes. You may aware others linked to your account of the content on Ratnifinserv. You may not otherwise extract, reproduce or distribute the content of Ratnifinserv without our prior written consent.
Whenever you print, download, share or pass on content from Ratnifinserv to others, you must not make any additions or deletions or otherwise modify any text from Ratnifinserv, you must not alter or change any images, media or graphics from Ratnifinserv in any way, you may not remove any accompanying text from such images, media or graphics, and you must ensure that all content passed on to any third party is an accurate representation of the content as it appears on Ratnifinserv.
You are completely prohibited from using any software / Artificial Intelligence software or any other technology including robots, spiders, data mining or scraping technology or any similar third-party tools for the extraction or reproduction of any data or content from Ratnifinserv without our prior written consent.
Whenever you pass on any content or materials from Ratnifinserv to anyone, you must acknowledge us as the authors of such content or materials (or any other authors wherever credited by us) at the time when you pass on such content or materials.
Prohibited uses of Ratnifinserv
You must not reproduce, duplicate, copy or resell any part of Ratnifinserv or any content from Ratnifinserv, save and except to the extent expressly permitted by us in writing.
You must not, without our prior written consent, access or interfere with and damage or disrupt in any way Ratnifinserv or any part of it, our systems, any of our hardware or equipment or any networks on which Ratnifinserv is hosted, any software that we use to create or modify the Ratnifinserv or to make the Ratnifinserv available to you, or any hardware, equipment, network, server, software or technology owned or operated by us or any third party.
for any purpose that is unlawful or that in any way breaches any applicable laws or regulations, whether local, national or international;
- for any fraudulent purposes whatsoever;
- to conduct any unsolicited or unauthorised advice or advertising or direct or indirect marketing to anyone by any means, or to otherwise spam, communicate with or market to anyone any technology, services or business not authorised by us;
- to upload, host or transmit any viruses, malware, adware, spyware, worms, Trojan horses, keystroke loggers, spyware, logic bombs, time bombs or any other harmful programs or code which could adversely affect the use or operation of the Ratnifinserv, our hardware or systems, or the computers, tablets, phones or other devices of any users or other third parties, or to upload any content or materials containing any such content;
- to communicate with, harm or attempt to harm children or women in any way; or
You must not submit any information about you to us if you are under the age of 18, or about any other person who is either under the age of 18 or of an unsound mind.
You must not submit to us any information which is considered ‘sensitive personal information’ unless mandated or required under any law in force. ‘Sensitive personal information’ is personal information about you or any other person which reveals your details including but limited to the racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership or which is genetic data, biometric data, information which concerns your or their health, sex life or sexual orientation.
If you accidentally or intentionally submit such information to us, you will be considered to have consented to our processing of that information as per process followed at our end.
Viruses and other harmful content
We do not guarantee that Ratnifinserv is free from all the errors, and it is technologically secure to restrict all viruses or other malicious software/contents. However, to the best of our ability, we will dedicate our resources to keep Ratnifinserv secure.
We shall not be responsible for any bugs or viruses on Ratnifinserv, or any software that might be transferred to your computer from Ratnifinserv, or any consequences which the presence or operation of such programs may have.
You must ensure that you have in place up-to-date and effective anti-virus protection and firewall on your computer or other browsing device.
You must not upload or otherwise introduce to Ratnifinserv any viruses, malware, spyware, adware, Trojan horses, worms, logic bombs, time bombs, keystroke loggers or any other programs or code that is harmful or malicious in nature.
You must not use any third parties’ system, software or technology to attempt to gain unauthorised access to Ratnifinserv, our servers, systems, hardware, software or data.
You must not attempt to perform any denial-of-service type attack on Ratnifinserv.
You must not perform any action which would contravene Information Technology Act, 2000.
We may report any breach or suspected breach to the relevant authorities (including any law-enforcement agencies) and may disclose your identity and act.
Links to other Platforms
Links to third party content or Platforms may appear on Ratnifinserv from time to time. We are not responsible and completely deny all sorts of obligations and liabilities with respect to the content or product/services on any such Platforms accessible via any link(s) on Ratnifinserv. All content on third party Platforms is outside of our control, and we do not represent or warrant that such content is related to us or Ratnifinserv, or is suitable or appropriate for use or viewing, lawful or accurate.
Links to Ratnifinserv
You should not link to Ratnifinserv without our prior written consent.
Where you have obtained our consent to link to Ratnifinserv:
- wherever you post a link to Ratnifinserv on any other Platform, you agree that you will do so in an appropriate manner, and not in any way which is defamatory or disparaging towards us or any other party, which misrepresents us or our business, or which causes any harm whatsoever to us or our business; and
- you must not link to Ratnifinserv in order to suggest any form of joint venture, partnership, collaboration, affiliation, business relationship, approval or endorsement in connection with us in any event, without having first obtained our prior written consent.
We may withdraw permission to link to Ratnifinserv at any time. In the event that we withdraw permission to link to Ratnifinserv and inform you through any means of communication of the same, you must immediately remove or cause to be removed any links to Ratnifinserv.
EXCLUSIONS AND LIMITATIONS OF LIABILITY
We exclude all our liability to you where it would be lawful to do so, except for the cases wherein liability is enforced regulatorily or by any law as applicable to us. If applicable law does not allow all or any part of the below limitations of liability to apply to you, the limitations will apply to you only to the maximum extent permitted by applicable law.
Subject to the aforesaid, in No event shall we (including our parents, subsidiaries, affiliates, associates, officers, directors, shareholders, employees or agents) under any circumstances whatsoever be liable to you for any loss, damage (whether direct, indirect, punitive, actual, consequential, incidental, special, exemplary, or otherwise) costs, expenses, liabilities or penalties, whether in contract, tort, breach of statutory duty or otherwise, whether foreseeable or unknown, arising from, in connection with or relating to:
- Advice given through the Ratnifinserv;
- Services rendered through the Ratnifinserv;
- Your use of the Ratnifinserv;
- Any corruption or loss of data;
- Any inability to access or use our Ratnifinserv, including, without limitation, any interruptions, suspension or withdrawal of Ratnifinserv (for any reason whatsoever);
- Any use you make of any content or materials on Ratnifinserv, including any reliance you make on such content or material;
- Any loss of savings, profits, sales, business or revenue;
- Any loss of reputation or goodwill;
- Any loss of a chance or opportunity; or
- Any other secondary, consequential, Notional or indirect losses.
- And even if we have been advised of the possibility of such loss or damage, without limitation, you assume and shall be liable for the entire cost of all necessary servicing, repair or correction in the event of any such loss, damage, costs, expenses, liabilities or penalties arising.
We shall not be liable for any damage arising out of services rendered through Ratnifinserv that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.
You confirm that you have the requisite knowledge, expertise and experience to understand the risks involved in transacting any product or service offered through the Ratnifinserv.
You specifically agree that we shall not be liable for any content or the defamatory, offensive or illegal conduct of any third party and that the risk of harm or damage from the foregoing rests entirely with you.
You agree that in the event that you incur any damages, losses or injuries arising out of, or in connection with, our acts or omissions, the damages, if any, caused to you are not irreparable or sufficient to entitle you to an injunction preventing any exploitation of any Platform, service, property, product or other content owned or controlled by us, and you will have no rights to enjoin or restrain the development, production, distribution, advertising, exhibition or exploitation of any Platform, property, product, service, or other content owned or controlled by us.
To the extent that any of the provisions under any of the act are unenforceable as outright exclusions of liability, they shall be construed as limitations on liability, limiting our liability to you to the maximum extent permitted by law
You (and also any third party for or on behalf of whom you operate an account or activity on Ratnifinserv) agree to defend (at our request), indemnify and hold us harmless from and against any claims, liabilities, damages, losses and expenses, including, without limitation, reasonable legal and attorneys’ fees and costs, arising out of or in any way connected with any of the following (including as a result of your direct activities on Ratnifinserv or those conducted on your behalf):
- your uploads, access to or use of the Ratnifinserv;
- your violation of any third-party right, including, without limitation, any intellectual property right, publicity, confidentiality, property or privacy right;
- your violation of any laws, rules, regulations, codes, statutes, ordinances or orders of any governmental and quasi-governmental authorities, including, without limitation, all regulatory, administrative and legislative authorities; or
- any misrepresentation made by you.
You will cooperate as fully required by us in the defence of any claim. We reserve the right to assume the exclusive defence and control of any matter subject to indemnification by you, and you will not, in any event, settle any claim without our prior written consent.
The Ratnifinserv is provided on an “as is”, “as available” and “with all faults” basis. To the fullest extent permissible by law, we do not make any representations or warranties or endorsements of any kind whatsoever, express or implied, as to:
- The service;
- The Platform content;
- User content;
- The operations of the Platform; or third party licenced platforms
- Security associated with the transmission of information to the Platform.
In addition, we hereby disclaim all warranties, express or implied, including, but not limited to, the warranties of merchantability, fitness for a particular purpose, non-infringement, title, custom, trade, quiet enjoyment, system integration and freedom from computer virus.
By accessing or using the Ratnifinserv you represent and warrant that your activities are lawful in every jurisdiction where you access or use the service.
We do not endorse content and specifically disclaim any responsibility or liability to any person or entity for any loss, damage (whether actual, consequential, punitive or otherwise), injury, claim, liability or other cause of action of any kind or character based upon or resulting from any content.
Age restrictions on use of the Ratnifinserv
The Ratnifinserv and any products or services available on or via the Ratnifinserv are not intended for use by individuals under the age of 18.
IF YOU ARE UNDER THE AGE OF 18, YOU MUST NOT ACCESS OR USE Ratnifinserv, PURCHASE OR ATTEMPT TO PURCHASE ANY OF OUR PRODUCTS OR SERVICES OR SUBMIT ANY INFORMATION ABOUT YOU OR ANYONE ELSE TO US.
We do not knowingly or intentionally process information about any individual under the age of 18.
Governing law and jurisdiction
You agree and understand that:
Ratnifinserv may engage with group companies/third parties to promote the Ratnifinserv or products and services jointly or severally.
Ratnifinserv may be engaged in investment in the products and services offered by Ratnifinserv.
The Ratnifinserv is primarily intended for the use by persons resident in India. Any use/access of the Ratnifinserv by any person, who is not resident of India, shall be at his/her sole responsibility including determining whether such use/access of the Ratnifinserv constitutes any breach under any applicable laws of India and his/ her country of residence. Such User will be solely and absolutely liable for any liability incurred by the Company in this regard and keep the Company and/ or Ratnifinserv indemnified against any such liability.
The Company and/ or Ratnifinserv may collect your Personal Information (as defined under Information Technology Act, 2000 read with Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011) and the Company may use such information for providing appropriate services / products to the you.
The Company may share your information (personal, transactional and behavioural) with its Group Companies / associates/ vendors / Service Providers/ business partners for promoting/ offering its and/or their products and services or for analytics purposes.
The Company and/ or Ratnifinserv/ their associates/ vendors/ business partners may record conversations with you for any purpose but not limited to quality control, record retention. The Company will keep such records confidential.
The Company/Ratnifinserv may provide various “Tools” or Analysis on Ratnifinserv. Any output of such tools/analysis only for informational purposes and should not be construed as advice. The Output is based on analysis by the Company of information obtained from various sources, which the Company believes to be true and correct. Such Output does not guarantee any specific performance/returns. You should take your own decision to execute any transaction based on your risk profile, investment objective, financial status, etc. The Company assumes no responsibility for the accuracy or otherwise of the Output.
Ratnifinserv is not providing any tax, legal advice as on date.
The Ratnifinserv operates and offers the services at Ratnifinserv strictly on a no-liability basis, with respect to any third-party product offered on Ratnifinserv. The Company shall not be liable to you or any other third party for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages (including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure, Internet frauds or malfunction, or interruption/delay of business or due to any technology related risks) under any contract, negligence, strict liability or other Law or theory arising out of or in connection with the use or availing of such third party products or services or any contract or transaction entered into or executed in pursuance thereof (however arising, including negligence).
The information and views provided on Ratnifinserv are based on information available and believed to be correct to the best of knowledge. Although due care has been exercised to verify the accuracy of the information, the Company assumes no responsibility for the accuracy or for any loss arising out of any information contained therein.
You shall not –
- Restrict or inhibit any other person from accessing, using and enjoying the Ratnifinserv services;
- Modify, copy, distribute, transmit, display, perform, publish, licence, create derivative works from, transfer or sell any information, designs, logos, trademarks, software, facilities, products or services obtained on or through the Ratnifinserv, except as permitted by the copyright owner or other right holder thereof;
- Post, transmit and receive any unlawful, fraudulent, libellous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information or statement of any kind including, without limitation, any information or statement constituting or encouraging conduct that would constitute sedition, a criminal offence, give rise to civil liability, or otherwise violate any local, state, national, foreign or other Law;
- Post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by the Company ) or engage in spamming or flooding;
- Post transmit any spam mails, information or software which contains a virus, Trojan Horse, worm or other harmful component;
- Post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained from or through the Ratnifinserv for commercial purposes (other than as expressly permitted by the provider of such information, software or other material);
- Upload, post, publish, transmit, reproduce or distribute in any way, information, software or other material obtained on or through the Ratnifinserv which is protected by copyright or other proprietary right, or derivative works with respect thereto, except as permitted by the copyright owner or other right holder thereof;
- Attempt to decompile or reverse engineer any of the software available on the Ratnifinserv. You will not make any attempt to hack into Ratnifinserv or otherwise attempt to subvert any firewall or other security measure of the Ratnifinserv and if you become aware of any shortcoming in the security on Ratnifinserv you shall forthwith inform the Company and /or Ratnifinserv of the same in writing.
- If the Ratnifinserv contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities (collectively, “Forums”), you agree to use the Forums only to send and receive messages and material that are proper and related to the Forum and is not getting shared outside the forum.
You shall not host, display, upload, modify, publish, transmit, update or share any information on the Ratnifinserv, that:
- belongs to another person and to which you do not have any right to;
- is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
- harm minors in any way;
- infringes any patent, trademark, copyright or other proprietary rights;
- violates any Law for the time being in force;
- deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
- impersonates another person;
- contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
The content presented at the Website may vary depending upon your browser version/ limitations.
The Company shall ensure functioning of the Ratnifinserv on a best effort basis. However, the Company has the right to monitor the functioning of the Ratnifinserv electronically or otherwise from time to time.
Any complaints or concerns with regards to the content on the Ratnifinserv and/or comment and/or breach of these terms and/or to report any abuse of law, shall be immediately informed, with all the relevant details, to firstname.lastname@example.org.
We request you to please provide the following information in your complaint:
- Identification of the information provided by you.
- Clear statement as to whether the information is Personal Information or Sensitive Personal Information.
- Your address, telephone number or e-mail address.