A R Technologies Private Limited Web Site User Agreement and Disclaimers

Please read the following terms and conditions carefully before using this Web site or any of our other Web sites. By accessing or using our Web sites, you agree to the following terms and conditions. You should review these terms and conditions regularly as they may change at any time at our sole discretion. If you do not agree to any term or condition, you should not access or use our Web sites. The following terms and conditions apply to all of our Web sites, including any Web sites owned, operated or sponsored by any of our subsidiaries or affiliates. "Content" refers to any materials, documents, images, graphics, logos, design, audio, video and any other information provided from or on our Web sites.

Clause 01

We Provide This Web Site for Your Convenience Only

This Web site is provided to you without charge for your convenience and information only. By merely providing access to this Web site content, we do not warrant or represent that -
The content is accurate or complete;
The content is up-to-date or current;
We have a duty to update any content;
The content is free from technical inaccuracies or typographical errors;
The content is free from changes caused by a third party; and
Your access to this web site will be free from interruptions, errors, Computer viruses or other harmful components.

We do not assume any liability for these matters. In other words, you use this Web site at your own risk.

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF THIS WEB SITE. THIS INCLUDES LOSS OF DATA OR PROFIT ARISING OUT OF THE USE OR THE INABILITY TO USE THE CONTENT OF THIS WEB SITE, EVEN IF ONE OF OUR REPRESENTATIVES HAS BEEN INFORMED OF THE POSSIBILITY OF YOUR DAMAGES. IF YOUR USE OF THIS WEB SITE RESULTS IN YOUR NEED TO SERVICE, REPAIR OR CORRECT EQUIPMENT OR DATA, YOU ASSUME THE COSTS TO THE EXTENT THE LAW ALLOWS.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

Clause 02

We Provide This Web Site "As Is" and Disclaim All Warranties

THIS WEB SITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Clause 03

We Do Not Have Responsibility for Links to Third Party Content. We may provide hyperlinks or pointers to other Web sites maintained by third parties or may provide third party content on this Web site by framing or other methods.

THE LINKS TO THIRD PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR THE CONTENT OF LINKED WEB SITES, INCLUDING ANY FURTHER LINKS CONTAINED IN A THIRD PARTY WEB SITE. IF YOU DECIDE TO ACCESS ANY OF THE THIRD PARTY WEB SITES LINKED TO THIS WEB SITE, YOU DO THIS ENTIRELY AT YOUR OWN RISK.

It is up to you to take precautions to ensure that the third party to which you link is free of computer viruses, worms, Trojan horses and other items of a destructive nature.

Clause 04

If We Provide a Link, We Do Not Endorse the Third Party Site. We reserve the right to terminate a link to a third party Web site at any time. The fact that we provide a link to a third party Web site does not mean that we endorse, authorize or sponsor that Web site. It also does not mean that we are affiliated with the third party Web site's owners or sponsors.

Clause 05

If a Third Party Links to This Web Site, It is Not An Endorsement

If a third party links to this Web site, it is not necessarily an indication of an endorsement, authorization, sponsorship, affiliation, joint venture or partnership by or with us. In most cases, we are not aware that a third party has linked to this Web site. A Web site that links to this Web site -
May link to, but not replicate, our content;
Should not create a browser, border environment or frame our content;
Should not imply that we are endorsing it or its products;
Should not misrepresent its relationship with us;
Should not present false information about our products or services
Should not contain content that could be construed as distasteful, offensive or controversial
Should contain only content that is appropriate for all age groups.

Clause 06

Treatment of Information or Data Transmitted to Us

We generally do not want to receive confidential or proprietary information from you through this Web site. If you transmit to or post on this Web site any material, data, information or idea by any means, we may use it for any purpose permitted by law. Personal data that you provide regarding yourself will be handled in accordance with our Privacy Policy. You are not authorized to post on or transmit to or from this Web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

Clause 07

Your Use of This Web Site is Restricted

This Web site's content is copyrighted and protected by Indian and worldwide Copyright laws and treaty provisions. In addition, trademark laws, the laws of privacy and publicity, and communication regulations and statutes, protect this Web site’s content. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Web site, without the prior written permission from A R Technologies Private Limited. You may request permission by faxing a request to Raja, at +91-44-2374 0373.

Clause 08

By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

The trademarks, service marks, and logos used and displayed on this Web site are our registered and unregistered trademarks. A R Technologies Private Limited is the copyright owner of all text contained on this Web site. A R Technologies Private Limited , or their subsidiaries or affiliates that may be referred to on this Web site are the property of, A R Technologies Private Limited or one of their subsidiaries or affiliates. Other parties' trademarks and service marks that may be referred to are the property of their respective owners. Nothing on this Web site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any trademark without our written permission. We aggressively enforce our intellectual property rights. The name of A R Technologies Private Limited, or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Web site, without prior written permission. You are not authorized to use our logo as a hyperlink to this Web site unless you obtain our written permission in advance.

Clause 09

You Must Obey Local Laws in Accessing This Web Site

We control this Web site from our offices within India. We make no representation that content or materials in this Web site are appropriate or available for use in other jurisdictions. Access to this Web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this Web site from other jurisdictions, you do so on your own initiative and responsible for compliance with applicable local laws. We are not responsible for any violation of law. You may not use or export the materials in this Web site in violation of Indian export laws and regulations. The laws of the State of Tamilnadu will govern the content and materials contained in this Web site, without giving effect to any principles of conflicts of laws. You hereby irrevocably and unconditionally consent to submit to the exclusive jurisdiction of the courts of the State of Tamilnadu for any litigation arising out of or relating to the use of this Web site (and agree not to commence any litigation relating thereto except in such courts), waive any objection to the laying of venue of any such litigation in the Chennai courts and agree not to plead or claim in any Chennai court that such litigation brought therein has been brought in an inconvenient forum.

Clause 10

You Are Bound by Changes in this Agreement's Terms and Conditions

We may at any time revise these terms and conditions by updating this posting. By using this Web site, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the current A R Technologies Private Limited Web Site User Agreement and Disclaimers to which you are bound. Certain provisions of these terms and conditions may be superseded by other Web Site User Agreement and Disclaimers or terms located in other parts of this Web site.

Clause 11

You Agree to Indemnify Us for Using This Web Site

You agree to indemnify, defend and hold harmless A R Technologies Private Limited, its subsidiaries and affiliates, and their respective officers, directors, employees, agents, licensors, suppliers and any third party information providers to us from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by you.

Clause 12

Third Parties May Have Rights Under This Agreement

Some of the provisions of this Agreement are for the benefit of A R Technologies Private Limited, its subsidiaries and affiliates, and their respective officers, directors, employees, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

Clause 13

All Products, Programs and Services May Not be Available in Your Area

Information A R Technologies Private Limited publishes in this Web site may contain references or cross-references to products, programs or services of A R Technologies Private Limited, its subsidiaries or affiliates that are not announced or available in your country. Such references do not imply that A R Technologies Private Limited or any of its subsidiaries or affiliates intend to announce such products, programs or services in your country. Consult your local A R Technologies Private Limited sales representative for information regarding the products, programs and services that may be available to you. The mutual investments and variable products referred to in this Web site may be offered and sold only to persons in the India and its territories.

Clause 14

Our Recommendations Should be Considered "Generic"

Recommendations made on this Web site should be considered "generic"; they will generally hold true for most individuals. However, your circumstances may differ significantly. Therefore, you should check with a financial professional of A R Technologies Private Limited , its subsidiaries or affiliates for further details on our products, programs and services. No policy or contract summary or description is intended to serve as a substitute for the actual policies (contracts) or riders. Policies (contracts) and riders/endorsements should be consulted for complete terms of coverage, including policy limitations and exclusions. For tax, accounting and legal issues, you should consult your own professional (lawyer, tax advisor, or accountant) before you take any action in reliance upon such advice. None of A R Technologies Private Limited or any of its subsidiaries or affiliates is engaged in rendering any legal or professional services by placing these general informational materials on this Web site. Although care has been taken to ensure the accuracy of the content of this Web site, some errors may occur. Accordingly, we urge you to use the content cautiously and we will be glad to verify any information.

Clause 15

How This Agreement May Be Terminated

Either party may terminate this Agreement without notice at any time and for any reason, provided that you may no longer use this Web site after you have terminated this Agreement.

Clause 16

The provisions of this Agreement are intended to be severable. If for any reason any provision of this Agreement shall be held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability of the remaining provisions hereof. Our failure to insist upon or enforce strict performance of any provisions of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. We may assign our rights and duties under this Agreement to any party at any time without notice to you.