Terms and Conditions for Our Finocracy
Last Updated: 02-Jan-2016
**1. Acceptance of Terms**
By accessing and using the website `ourfinocracy.com` (the “Website”), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this Website.
**2. Description of Service**
Our Finocracy is an independent financial guidance platform. The information, articles, calculators, and guidance provided on this Website are for educational and informational purposes only. We are not a bank, NBFC, or insurance company. We do not provide loans, issue insurance policies, or act as a registered financial advisor. Any information shared should not be considered as financial advice.
**3. User Conduct**
You agree not to use the Website for any unlawful or prohibited purpose. You agree not to use the Website in a way that may damage, disable, or impair the Website or interfere with any other party’s use and enjoyment of the Website. You must not attempt to gain unauthorized access to any part of the Website.
**4. Intellectual Property Rights**
All content, including but not limited to text, graphics, logos, images, and software, is the property of Our Finocracy and is protected by Indian and international copyright and trademark laws. You may not use, reproduce, or distribute any content from this Website without our express written permission.
**5. User-Generated Content**
By submitting an enquiry, comment, or any other content to our Website, you grant us a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any form.
**6. Third-Party Links**
Our Website may contain links to third-party websites that are not owned or controlled by Our Finocracy. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We strongly advise you to read the terms and conditions and privacy policy of any third-party website you visit.
**7. Disclaimers of Warranties**
The information on this Website is provided on an “as is” basis. To the fullest extent permitted by law, Our Finocracy disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
**8. Limitation of Liability**
In no event shall Our Finocracy, its directors, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Website.
**9. Indemnification**
You agree to defend, indemnify, and hold harmless Our Finocracy and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees).
**10. Termination**
We may terminate or suspend your access and bar any further access to the Website immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation.
**11. Governing Law**
These Terms and Conditions and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of India.
**12. Changes to Terms**
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. Your continued use of the Website after the effective date of the revised Terms constitutes acceptance of the changes.
**13. Contact Information**
Questions about the Terms and Conditions should be sent to us at:-finocracy@gmail.com