(This includes, but is not limited to, the following terms within its purview - as used in common parlance: User Agreement, Terms, Conditions, Caveats, Legal Information, Disclaimer, Small/Fine Print, etc.)

DEFINITIONS
"Rupeetalk" or "we" or "us" or "our" or "ourselves" - are references to Rupeetalk Financial Services Pvt. Ltd. "Site" - refers to http://www.rupeetalk.com (owned and managed by Rupeetalk) "you" or "your" - are references to any person accessing the Site.

IMPORTANT NOTICE
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. EACH TIME YOU ACCESS THIS SITE AND ANY PAGES THEREOF, YOU UNEQUIVOCALLY AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW AND/OR ANY SUCH TERMS AND CONDITIONS AS ARE COMMUNICATED ON THE PAGES THEREOF. IF YOU DO NOT UNCONDITIONALLY AGREE TO THE TERMS AND CONDITIONS SET FORTH BELOW AND/OR ANY SUCH TERMS AND CONDITIONS AS ARE COMMUNICATED, EITHER DIRECTLY AND/OR INDIRECTLY AND/OR EXPRESSLY AND/OR IMPLICITLY ON THE PAGES THEREOF, DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF.

NO REPRESENTATION
It is important to note that neither Rupeetalk nor our authorised representatives/associates (this includes such person(s) and/or entity/entities that we may internally agree to as falling within this purview) are licenced/qualified to provide any form of investment and/or financial advise; we expressly state that we do not represent ourselves as such. We are also not your agents in any respect. Rupeetalk is an intermediary portal that serves as a bridge between users of this Site and providers of personal finance products in India. The views and investment tips expressed by investment experts on this Site are their own and not that of this Site or its management. Rupeetalk strongly urges users of this Site not to use (either directly or indirectly) such information/material in any aspect relating to financial transactions (whether directly or indirectly) without seeking the advise of certified and authorised financial (includes, but is not limited to, investment related transactions), and/or legal experts. Furthermore, Rupeetalk does not guarantee the accuracy, adequacy or completeness of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. This Site would contain articles contributed by several individuals and the views/sentiments conveyed therein are exclusively their own and do not necessarily represent the views of the Site or Rupeetalk. Hypothetical or simulated performance results have certain inherent limitations; unlike an actual performance record, simulated results do not represent actual trading. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. All content described above is intended solely for use by you in furtherance of your own comprehensive research on all featured companies, stocks, sectors, markets and information presented on this Site. The information and commentaries (including, but not limited to, information and material exchanges within the Forums of this Site) are not meant to be an endorsement or offering of any particular stock for purchase/sale. This information is meant only to serve as a guide, which must be tempered by the investment experience and independent decision making process of the user of this Site. Notwithstanding anything contained in these terms and conditions, nothing published on this Site should be considered as investment advice (either directly or indirectly).

LIMITATION OF LIABILITY
Rupeetalk and our authorised representatives/associates (this includes such person(s) and/or entity/entities that we may internally agree to as falling within this purview) shall not be liable, either directly or indirectly to you and/or any third party, for any loss and/or damages (including, but not limited to: direct or indirect, special, incidental and/or consequential damages) whatsoever nature howsoever arising in connection with this Site or any linked website or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure - even if Rupeetalk or representatives thereof, are advised of the possibility of such damages, losses or expenses. Further, you also agree that Rupeetalk will not be liable for any delays/interruptions due to any electronic or mechanical equipment failures, scheduled or unscheduled maintenance, problems/defects with hardware and/or software including incidental devices, force majeure (i.e. acts of God), earthquakes, floods, strikes, walkouts, riots, lockouts, war, civil disturbance, fire, unforeseeable accidents, armed conflict, inter alia. You unequivocally agree that Rupeetalk shall not be mandated/required to make any alternative arrangements for access to this Site in such scenarios.

LINKS / LINKED WEBSITES
This Site may contain links to websites controlled or offered by third parties (non-affiliates of Rupeetalk). Rupeetalk hereby disclaims all liability for - any information, materials, products or services posted or offered at any of the third party websites linked to this Site. By creating a link to a third party website, Rupeetalk does not endorse or recommend any products or services offered or information contained at that website, nor is Rupeetalk liable for any failure of products or services offered or advertised at those websites. Such third party may have a privacy policy different from that of Rupeetalk. We further clarify that we have not verified the truth or accuracy of any content of such websites. Further, no person is permitted to link any other website to this Site or frame or scrape the content of this Site without obtaining prior written consent from Rupeetalk.

TERMS MAY BE CHANGED
We may change/alter/modify these terms and conditions at any time with or without notice. You unequivocally agree that your continued access or use this Site is clear testament to the fact that you have accepted all such changes/alterations/modifications en toto.

REGISTRATION
Your registration on this Site certifies that all information you provide, at the time of registration or at any later juncture, is accurate. Rupeetalk reserves the sole right to deny you access to this Site or any part thereof, whether prior or pursuant to your registration, immediately and with or without notice. Further, you unequivocally agree that Rupeetalk does not have to provide you a reason for termination/denial of access to the Site.

USE OF MESSAGE BOARDS, CHAT ROOMS AND OTHER COMMUNICATION FORUMS/PROTOCOLS (collectively "Forums")
If this Site contains any Forums, you agree to use said Forums only to send and receive messages and material that are appropriate and related to that particular Forum, provided you are authorised to do so. You unequivocally agree that while using any such Forum, you shall not do any of the following, either directly or indirectly (the list below is indicative and not exhaustive):-

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (including, but not limited to rights such as that of privacy, publicity, etc.) of others.
• Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information, either directly or indirectly.
• Upload files that contain software or other material protected by intellectual property laws (or by any other law in force or enforceable within the Republic of India) unless you own or control the rights thereto or have received the necessary consent(s) in writing and are able to produce the same to Rupeetalk, if we so demand.
• Upload files that contain computer viruses, corrupted files or any other similar software or programs that may damage the operation of our or another's computer systems and/or related processes.
• Conduct or forward surveys, contests or chain letters without express written authorisation from Rupeetalk.
• Download any file posted by another user of a Forum that you know, or reasonably suspect, cannot be legally downloaded and/or distributed in such manner.

GENERAL
You are prohibited from unauthorised use and/or access of this Site. You are also prohibited from assigning and/or transferring, or attempting to do either, any rights and/or privileges granted to you. You also understand and acknowledge that there is a very high degree of risk involved in trading securities. Past results of any trader published on this Site are not indicative of future returns by that trader and are also not indicative of future returns which may be realised by you. All analyst commentary provided on this Site is for general educational purposes only. This information is not a recommendation or solicitation to buy or sell any financial instruments.

AVAILABILITY OF THE SITE
We may modify, suspend or discontinue, temporarily or permanently, the Site or any part of it, with or without notice, at any juncture in time. It is unequivocally agreed that we will not be liable to you or to any third party for any losses of whatsoever nature howsoever arising for any such modification, suspension or discontinuance of the Site.

SUBMISSIONS
All information and materials submitted to Rupeetalk via this Site shall be deemed and remain the property of Rupeetalk. Further, Rupeetalk shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information and/or material a visitor and/or user (whether registered or not) exchanges/posts through/on this Site. Rupeetalk shall not be subject to any obligations of confidentiality regarding submitted information unless specifically agreed to or required by law.

CONFLICTING TERMS
If there is any conflict, as perceived by an individual of ordinary prudence, between any of these terms and conditions, you unequivocally agree to have the same clarified only by the authorised individual/department of Rupeetalk. Only bonafide clarification(s) shall be entertained. You may send such clarification(s) sought, to: [•].

GOVERNING LAW AND APPLICABLE JURISDICTION
Disputes, if any, shall be subject to the laws in force within the Republic of India. Further, you also unequivocally agree that any such disputes so arising shall be solely subject to the jurisdiction of the courts at Mumbai.

AVAILABILITY
This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. If this may be the case, do not use this Site or any of the pages thereof even though they might be accessible from such jurisdictions.

COPYRIGHTS © RUPEETALK FINANCIAL SERVICES PVT. LTD. [•]. ALL RIGHTS RESERVED
The content on this Site, including (but not limited to) format, arrangements, programming, text and images, are solely owned by Rupeetalk. Notwithstanding anything contained in these terms and conditions, nothing herein shall be construed as transferring or assigning any such ownership rights to you or any other person or entity. We state that if any such content is owned by others, it is used on this Site after procurement of pertinent permission(s) by Rupeetalk. No part of the content of this Site, including format, arrangements, programming, text and images, may be reproduced, re-transmitted, distributed, displayed, modified, stored in a database, or otherwise resold in any way or format now known or to be invented without the express written consent of Rupeetalk. Violation of these and/or any other incidental rights (direct or indirect) are punishable by prosecution under both civil and/or criminal law in addition to award of damages (including, but not limited to: direct or indirect, special, incidental and/or consequential damages) and/or imprisonment.