Privacy Policy

Prudent Investor LLP and its affiliates are committed to respecting and protecting your personal privacy. Our policy includes examples of the types of information, including personal information, we may collect and the kinds of companies and/or partners with whom we may share such information. The examples below are merely illustrative and are in no way to be considered a complete inventory of the information we collect, use or share. It is our policy to comply with applicable laws that may restrict the types of information we may disclose about you or require us to provide you with additional notices. Our Privacy Policy covering information we may collect on our Web site(s) is explained below.

What Information Does Prudent Investor Collect from You and How is it Used?

HOW WE GATHER INFORMATION FROM YOU ?

Our collection of information depends on the web page(s) you visit, the services you choose, and the activities in which you elect to participate such as Prudent Investor social media networking sites. We may gather information in ways other than those listed here as our technology progresses.

REGISTRATION

When you register directly with us or through a third-party promotion, we may collect and store any personal information you provide. In order to use certain features and products through our Web site(s), a user must first complete a registration form. During registration, a user may be required to give their contact information (including but not limited to: name, phone number, physical address or email address) and payment information. All users must review and agree to Terms of Use of Prudent Investor. Some of our features and products have additional Terms of Use or Rules that must be reviewed and agreed to prior to completing registration.

PRODUCTS AND SERVICES REQUIRING PAYMENT

Financial information (such as a credit card number and expiration date) is used for billing purposes. If we have trouble processing an order, this information is used to get in touch with the user. This information may be shared with third parties who perform tasks required to complete the purchase transaction.

COOKIES

This site uses cookies that contain both personally identifiable information and non-personally identifiable information in order to improve and enhance the user experience. Cookies are messages placed on your computer or mobile device when you visit a website or page. For example, the messages store information so that our site immediately recognizes you each time you visit. This permits us to personalize our site for each member, allow access to the secure parts of our site that individual members have registered for and provide members with up-to-date information about their own account.

We also use cookies to deliver ads, store visitor preferences, record session information, such as items that visitors add to their shopping cart, record user-specific information on what pages users access or visit, record past activity at a site in order to provide better service when visitors return to our site, customize web page content based on visitors’ browser type or other information that the visitor sends. Additionally, cookies are used to serve ads to logged-in users based on the voluntary information they provide in their Investing Profile.

To remove or update information from your Investing Profile, please write to us at support@prudentinvestor.in.

THIRD PARTIES MAY RECEIVE OR COLLECT INFORMATION THROUGH Prudent Investor

Credit Cards

We use third party payment gateways to bill users for goods and services. These payment gateways will also perform a card authorization and fraud check, but Prudent Investor does not retain, share, store or use personally identifiable information for any secondary purposes.

Advertisements

Prudent Investor follows industry standards for advertising as stipulated by regulatory agencies from time to time. We use third-party ad serving companies to serve certain advertisements to you when you visit this Web site.

Third-party ad serving companies and third-party vendors may use anonymous information related to your visit on this site and across multiple web sites over time to better provide advertisements to you about goods and services that may be of interest to you. Third-party ad serving companies do not have access to or use your name, address or telephone number. However, some do receive your user name/email address in order to facilitate their service. In the course of serving advertisements to this Web site, third-party ad serving companies may place or recognize a unique “cookie” through your browser.

SHARING

Prudent Investor uses personal information obtained from its users as stated in this Privacy Policy, and to enhance users’ experiences on our site. We do not share your personal information with others except as indicated in the Privacy Policy or when we inform you and give you an opportunity to opt-out of having your personal information shared.

Authorized Service Providers

We may share your personal information with authorized service providers who perform certain services on our behalf. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purposes.

Business Partners and Affiliates

When you make purchases, or engage in promotions offered through the website, we may share personal information with the businesses and/or affiliates with whom we partner to offer you those products, services, and/or promotions. When you elect to engage in a partner’s or affiliate’s offer or program, you authorize us to provide your email address and other information to that partner and/or affiliate.

Educational Seminars, Webinars and Live Events (“Events”)

Prudent Investor may collect and/or receive information about your registration and/or attendance at one of its Events. Prudent Investor may also collect and share your information for and Event offered in conjunction with its partners and sponsors, in which case you will be notified at the point of registration.

AGGREGATE INFORMATION

We may use Aggregated Information to identify things such as usage patterns and popularity of certain features on Prudent Investor. We may share Aggregated Information with our partners and affiliated companies.

COMMUNICATION VIA EMAIL

Prudent Investor will not send you marketing messages if you have opted out. Prudent Investor reserves the right to send Prudent Investor transactional messages and business relationship messages via email to facilitate agreed upon transactions or update customers about existing business relationships. Such emails include, but are not limited to, welcome emails, transaction receipts, billing notification, renewal notices, notification of activation of online privileges, technical support responses, and other communications required to service customers’ accounts on Prudent Investor and/or customers’ subscriptions with Prudent Investor or its affiliates. Customers cannot unsubscribe from these email messages.

SUBSCRIBING TO AND UNSUBSCRIBING FROM EMAIL

With the exception of the mandatory Prudent Investor transactional and business relationship emails mentioned above, recipients have an opportunity to confirm their email communication preferences. Customers may choose to subscribe to (opt-in) or unsubscribe (opt-out) from any or all of these email communications at will.

To Unsubscribe: Customers may unsubscribe from specific email categories by (1) Clicking the “unsubscribe” link included at the bottom of any email sent by Prudent Investor or its affiliates (2) Sending an email to Prudent Investor Customer Service at support@prudentinvestor.in or (2) Calling Prudent Investor Customer Service Team.

Managing Your Email Preferences: To subscribe to or unsubscribe from any email category, customers may manage their email preferences by sending an email to Prudent Investor Customer Service at support@prudentinvestor.in or Calling Prudent Investor Customer Service Team.

Updates To Your Customer Profile: When you contact us via email or submit an online request, we may include the contact information you provide to us (i.e. phone number or email) in your customer account profile.

SITE AND SERVICE UPDATES

We also send the user site and service announcement updates. Members are not able to un-subscribe from service announcements, which contain important information about the service. We communicate with the user to provide requested services and in regards to issues relating to their account via email or phone.

PHISHING

Phishing is a term used to describe a type of Internet scam in which inauthentic emails that appear to be coming from a legitimate source are sent in an attempt to trick you into providing confidential information. These emails usually invoke a sense of urgency and often imply that your account is about to be closed unless immediate action is taken. They will often ask you to click on a link that leads you to a webpage that simulates that of the legitimate source, but is really a page specially designed to get you to input your confidential information such as account number, password, social security number or credit card number. The thieves then use that information to commit fraud and identity theft against you.

Please know that Prudent Investor takes the privacy of our subscribers very seriously. If you are ever in question about the legitimacy of an email from Prudent Investor, please contact customer service at support@prudentinvestor.in. If you have any additional questions about the security of our Web site, you can contact us at support@prudentinvestor.in.

CORRECTING/UPDATING PERSONAL INFORMATION

Updates To Your Personal Profile: When you contact us via email or submit an online request, we may include the contact information you provide to us (i.e. phone number or email) in your customer account profile. If your personally identifiable information changes (such as your zip code), or if you no longer desire to use our service, you may correct, update or remove your personal data provided to us. This can be done by (1) sending an email to Prudent Investor Customer Service at support@prudentinvestor.in or (2) calling Prudent Investor Customer Service Team

PERSONAL INFORMATION YOU DISCLOSE

Please remember that if you choose to disclose personally identifiable information on our site, such as in Prudent Investor Forums or any of Prudent Investor’s social media networking sites, it becomes public information and you should exercise caution. This means that your information may be viewed and/or collected and used by third parties without our or your knowledge. Such actions are not under our control and we are not responsible for events arising from your voluntary posting of personally identifiable information.

CHILDREN

Prudent Investor and its affiliates do not knowingly collect or solicit Personally Identifiable Information from or about children under 13. If such a situation is discovered, we will delete that information immediately. If you believe Prudent Investor has any information about or from a child under 13, please contact us by (1) sending an email to Prudent Investor Customer Service at support@prudentinvestor.in or (2) calling Prudent Investor Customer Service Team

CHANGES TO OUR PRIVACY POLICY

These guidelines are subject to change. All changes will be posted on this page. If the changes are significant we will notify you by email and/or by posting a broadcast notice of the changes on our home page. We encourage you to review our Privacy Policy periodically to remain informed of changes that may have occurred.

LEGAL DISCLAIMER

Though we make every effort to preserve user privacy, we may need to disclose personal information. In the event of a sale, merger, public offering, bankruptcy or other change in control of Prudent Investor and/or its affiliates, your information may be shared with the person or business obtaining ownership and control. Furthermore, disclosure of personal information may be required by law where we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site. In such cases, we may raise or waive any legal objection or right available to us. We are not responsible for the privacy practices or the content of any other web sites to which we may link.

ACCEPTANCE OF TERMS OF USE

Welcome to Prudent Investor.in presented by Prudent Investor Private Limited. Your use of this Service (as defined below) and any materials accessed by you indicates your full understanding and acceptance of the Terms of Use (referred to as “Agreement”). This Agreement may be updated at any time without notice. Your use of Service is also subject to additional guidelines or rules posted in certain areas of the Service. Prudent Investor Private Limited may also provide products or services that are governed by Supplemental Terms of Use, including, but not limited to: https://prudentinvestor.in, Prudent Investor Online Communities. These additional guidelines, rules and Supplemental Terms of Use are incorporated into this Agreement as set forth below. Failure to comply in full will result in cessation of access and use privileges and may result in legal actions taken against the offending individuals and organizations at our discretion. We reserve the right to block your access to Service for violation of this Agreement. You agree to review the Agreement periodically to be aware of such modifications. Your continued use of the Service constitutes acceptance of the changes.

DESCRIPTION OF SERVICES

You may use the Prudent Investor.in site, digital products and services, contents, Prudent Investor mobile sites and applications, (herein referred to as “Service”) operated by Prudent Investor Private Limited, Inc. for the purpose of accessing data and information (“Data” as defined below) which are available, according to strict compliance to Terms and Conditions of Use. Active Prudent Investor subscribers are permitted access to certain Subscriber-Only features.

DEFINITIONS

“Prudent Investor” means Prudent Investor LLP

“Prudent Investor et al” means Prudent Investor LLP, its affiliates, agents, information providers, and licensors.

The word “User(s)” means any Person (also referred to as “you” or “yours”) visiting Prudent Investor.in/ or holding subscription(s) to or trial(s) of any Prudent Investor product.

The phrase “Subscriber-Only” describes any feature, function, chart, graphic or Data that is made available to Users only through a paid or trial subscription.

The word “Person(s)” means any natural person, proprietorship, corporation, partnership, or other entity whatsoever.

The word “Data” means certain data and other information including the written word, instruments, charts, graphs, algorithms, ratings, rankings, products, vehicles or devices, or relating to Persons, or gathered by Prudent Investor from other sources.

The word “or” includes the word “and”.

The phrase “Claims or Losses” means any and all liabilities, obligations, losses, damages, penalties, claims, actions, suits, costs, judgments, settlements, and expenses of whatever nature, whether incurred by or issued against an indemnified party or a third party, including, without limitation, (1) indirect, special, punitive, consequential or incidental loss or damage, (including, but not limited to, trading losses, loss of anticipated profits, loss by reason of shutdown in operation or increased expenses of operation, or other indirect loss or damage) and (2) administrative costs, investigatory costs, litigation costs, and auditors’ and attorneys’ and fees and disbursements (including in-house personnel).

“Subscription(s)” Registering for any Service implies a Subscription. Subscriptions are offered with the option of being billed monthly (every 30 days), quarterly (every 90 days), semi-annually (every 180 days), or annually (every 360 days).

USE LIMITATIONS

Some Prudent Investor features are limited to the views and/or retrievals per 24-hour period for each User.

You may not participate in coordinated efforts or group activities with others in order to exceed these use limitations. Failure to comply with these limitations will result in cessation of access and use privileges and may result in legal action against the offending individuals and/or organizations at the discretion of Prudent Investor.

FREE TRIALS, SPECIAL AND INTRODUCTORY OFFERS

Trial Orders:

For details regarding cancellation and refunds, please refer to our Cancellation Policy and our Refund Policy. At the discretion of Prudent Investor, we may make special offers, promotions or send invitations to participate in a trial that does not automatically convert into a paid subscription and does not require cancellation before the end of said trial. Such offers will include language to this effect. TRIAL RESTRICTIONS: (1) You and/or Your household are limited to a TOTAL of one Trial and no more than one Trial may be taken. Prudent Investor reserves the right to immediately terminate Your Trial and access to its Services, at any time, if it determines (at its sole discretion) there has been abuse of this Trial Restriction policy. Delivery restrictions may apply. All Trial Offers are subject to change without prior notification.

Special and Introductory Offers (“Offers”):

If You sign up for an Offer to Prudent Investor Service, Your Subscription will automatically convert into a continuous paid subscription at the end of the Offer period unless a cancellation request is received prior to the end of the specified Offer period. For details refer to our Cancellation Policy and our Refund Policy. At the discretion of Prudent Investor, we may make special or introductory offers, promotions or send invitations to participate in a trial that does not automatically convert into a paid subscription and does not require cancellation before the end of said trial. Such offers will include language to this effect. RESTRICTIONS: You must be a New customer. Offers are available to specified users only and delivery restrictions may apply. You and/or Your household are limited to one Offer. Prudent Investor reserves the right to immediately terminate Your Offer and access to its Services, at any time, if it determines (at its sole discretion) there has been abuse of these restrictions. All Offers are subject to change without prior notification.

REFUND POLICY

We reserve the right to alter this policy at any time, at our discretion, without prior notification. All subscriptions including trial, monthly, quarterly, semi-annual or annual and any other subscription payment is non-cancellable and non-refundable. For iOS subscriptions, cancellation of auto-renewal are subject to restrictions of Apple.

AUTO-RENEW AND CANCELLATION POLICY

Subscriptions purchased, as applicable especially for iOS in-app purchases, may be auto-renewed at the end of the subscription term. You will not receive renewal reminders prior to being charged for such renewals. Renewal prices are subject to change without notice. In the event that Prudent Investor is unable to process Your credit card payment (when applicable), We reserve the right to terminate Your access without prior notice. You may cancel Your auto-renewal subscription at any time subject to terms and conditions of Apple or/and Prudent Investor and Prudent Investor may terminate, or change a Service at any time. All terminations shall be effective immediately upon receipt of notice. Should You object to any terms and conditions of this Agreement or any subsequent modifications or become dissatisfied with a Service in any way, You agree that Your sole recourse is to immediately (1) discontinue use of the Service(s); (2) terminate Your membership; and (3) notify Prudent Investor’s Customer Service Department of Your termination. To cancel your subscription, please contact us by (1) sending an email to Prudent Investor Customer Service at support@prudentinvestor.in or (2) calling Prudent Investor Customer Service Team.

PROPRIETARY DATA AND INFORMATION

You acknowledge that Service contains Data that is highly proprietary in nature and that unauthorized copying, transfer or use may cause Prudent Investor or its affiliates, agents, information providers, and licensors irreparable injury that cannot be adequately compensated for by means of monetary damages. You agree that any breach of the Agreement may be enforced by Prudent Investor by means of equitable relief (including, but not limited to, injunctive relief) in addition to any other available rights and remedies.

LEGAL DISCLAIMER

The information provided by Prudent Investor is not and should not be construed as a solicitation to buy or sell any securities. It has been obtained from sources we believe to be reliable; however, no guarantee is made or implied with respect to its accuracy or completeness. The information and content provided by Prudent Investor are subject to change without notice and Prudent Investor, its parent company, sister companies, subsidiaries, employees, officers, agents, or representatives may from time to time have long or short positions or may acquire direct or indirect beneficial interest in securities mentioned or those not so mentioned.

DISCLAIMER OF WARRANTIES, TERMS AND LIABILITY

THE DATA AND INFORMATION ACCESSIBLE ON THIS SERVICE ARE PROVIDED “AS IS” AND THERE MAY BE DELAYS, OMISSIONS OR INACCURACIES IN SUCH INFORMATION AND DATA. Prudent Investor ET AL CANNOT AND DOES NOT GUARANTEE THE ACCURACY, SEQUENCE, COMPLETENESS, TIMELINESS, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION OR DATA MADE AVAILABLE THROUGH THE SERVICE OR BY ANY FORCE MAJEURE OR ANY OTHER CAUSE BEYOND THEIR REASONABLE CONTROL. Prudent Investor ET AL SHALL NOT BE LIABLE TO YOU OR TO ANYONE ELSE FOR ANY LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY ITS NEGLIGENCE, OMISSION IN PROCURING, COMPILING, INTERPRETING, EDITING, WRITING, REPORTING, TRANSMITTING OR DELIVERING ANY INFORMATION OR DATA THROUGH THIS SERVICE OR FOR INTERRUPTION IN ANY SUCH DATA. IN NO EVENT WILL Prudent Investor BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON SUCH INFORMATION OR DATA OR FOR ANY CONSEQUENTIAL, SPECIAL OR SIMILAR DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES, DAMAGES RESULTING FROM INCONVENIENCE, OR LOSS OF USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS SERVICE MAY BE DISCONTINUED OR LIMITED AT ANY TIME.

INDEMNIFICATION

Indemnification: You agree to indemnify and hold Prudent Investor, its parents, subsidiaries, affiliates, officers and employees and third-party information providers harmless from and against any and all losses, damages, liabilities, obligations, costs and expenses (including attorney’s fees) resulting or arising from any claim, action or proceeding brought by any third party in connection with or relating to your access to or use of the Service (or the use of the Service by another person using your password) in breach of this Agreement.

USER NAME / PASSWORD PROTECTION

You agree to take all reasonable steps to protect the Service from unauthorized access or use. Upon registering, you will choose a user name and password that will permit you to access the Service. You agree that you will be the sole User of the Service under this Agreement. Your Username/Password are subject to cancellation or suspension by Prudent Investor, including upon your misuse of the Username/password in any way. You agree that you will use your best efforts to prevent any third party from obtaining the Username/password, and you will inform Prudent Investor immediately of any actual or potential unauthorized access to a Username/password or to the Service.

ACCESS / INTERFERENCE / MODIFICATION / LINKS / FRAMES

You may not frame or utilize framing techniques that involve any trademark, logo, copyrighted material or other proprietary information (including images, text, page layout, or form) of any portion of https://prudentinvestor.in without our express written consent. In addition, you agree not to decompile, reverse engineer or disassemble any software or other products or processes accessible through https://prudentinvestor.in, not to use any device, software or routine to interfere or attempt to interfere with the proper working of Service, not to take any action that imposes an unreasonable or disproportionately large load on the Prudent Investor infrastructure, and not to use any data mining, robot, spider, crawler, cancelbots, Trojan horse, or any data gathering or extraction method or manual process to facilitate the misuse of https://prudentinvestor.in.

DISSEMINATION DISCONTINUANCE OR MODIFICATION

You understand that, at any time, Prudent Investor may discontinue disseminating any category of Data, may change or eliminate any transmission method and may change transmission speeds or other signal characteristics. You shall not hold Prudent Investor et al liable for any resulting liability, loss or damages that may arise therefrom. You acknowledge that Prudent Investor, in its sole discretion, may from time to time make modifications to its system, the Service, or Data.

COPYRIGHT PROTECTION – REDISSEMINATION PROHIBITED

All of the information, content, services and software displayed on, transmitted through, or used in connection with Prudent Investor.in, including for example Prudent Investor Stock pages, Prudent Investor Charts, guides, news articles, opinions, reviews, text, photographs, images, illustrations, html, source and object code, software, data, etc. (collectively, the “Content”), as well as its trade dress, layout, presentation, selection and arrangement, is owned by Prudent Investor, and its affiliated companies, licensors and suppliers. Prudent Investor actively protects its rights to the Content to the fullest extent of the law. You may not use such material except as provided in this Agreement.

You may use the Content online and solely for your personal, non-commercial use, and you may download or print a single copy of any portion of the Content for your personal, non-commercial use, provided you do not remove any trademark, copyright or other notice contained in such Content. No other use is permitted. You may not, for example, republish the Content on any Internet, Intranet or Extranet site or incorporate the Content in any database, compilation, archive or cache. You may not distribute any of the Content to others, whether or not for payment or other consideration, and you may not modify, copy, frame, reproduce, sell, publish, transmit, display or otherwise use any portion of the Content without the written consent of Prudent Investor. For information on requests to use of the Content for any purpose other than as permitted in this paragraph, please see our Legal Agreement.

Any use of Stock names or Index names or data is solely for your personal, non-commercial use pursuant to Prudent Investor’s Terms and Conditions of Use. Any redistribution of the data is strictly prohibited.

The Prudent Investor database and all data contained herein are provided by Prudent Investor and are used by Prudent Investor under license agreement.

DURATION/SURVIVAL

This Agreement remains in effect for so long as you have the ability to receive Data as contemplated by this Agreement. Paragraphs INTELLECTUAL PROPERTY NOTICES, PROPRIETARY DATA AND INFORMATION and DISCLAIMER OF WARRANTIES, TERMS AND LIABILITY survive termination of this Agreement. If any of the provisions of this Agreement, or application thereof to any Person or circumstance, shall to any extent be held invalid or unenforceable, the remainder of this Agreement, or the application of such terms or provisions to Persons or circumstances other than those as to which they are held invalid or unenforceable, shall not be affected thereby and each such term and provision of this Agreement shall be valid and enforceable to the fullest extent permitted by law.

Natural persons executing this Agreement warrant and represent that they are at least eighteen (18) years of age. Users and the Person executing this Agreement on behalf of any User that is a proprietorship, corporation, partnership or other entity, represent that such Person is duly authorized by all necessary and appropriate corporate or other action to execute the Agreement on behalf of User. This Agreement shall be deemed to have been made in Mumbai, India and shall be construed and enforced in accordance with, and the validity and performance shall be governed by, the laws of Government of India, without reference to principles of conflicts of laws thereof. User hereby consents to submit to the jurisdiction of the courts of Mumbai, India in connection with any action or proceeding instituted relating to this Agreement.

Under the penalties for perjury, you understand that by using the Service, You certify that You have read and understand the above and agree to the terms and conditions.

In addition, your use of any of these services: Prudent Investor.in , Prudent Investor, or Prudent Investor Online Communities and any materials accessed therein indicates your full understanding and acceptance of the Terms of Use for that service, and indicates your full understanding and acceptance of our Prudent Investor.in Terms & Conditions Of Use. See below to review the corresponding Agreements and Supplemental Terms of Use for these services.

SUPPLEMENTAL TERMS OF USE AND SUBSCRIPTION AGREEMENTS

TERMS OF USE AND SUBSCRIPTION AGREEMENT FOR Prudent Investor.in , Prudent Investor

These Supplemental Terms, in conjunction with the Prudent Investor.in Terms of Use Agreement, govern your use of each of the following Services as operated by Prudent Investor: Prudent Investor.in, Prudent Investor. You agree to review the Agreement periodically to be aware of any changes. Your continued use constitutes acceptance of the changes.

SUBSCRIPTION AND SECURITY

When You subscribe, You will fill out our registration form that requires various information about You. You are responsible for providing accurate subscription registration information and of updating it as required. Prudent Investor reserves the right to change or revoke Your User name, as it deems necessary. You are also responsible for maintaining the confidentiality of Your password. Prudent Investor may store the information provided by You in the registration process, and provide aggregate statistical information about Users to potential advertisers and other publications. Prudent Investor may use the information provided by You to inform You about other publications, products and services. For more details, see our Privacy Policy.

Subscriptions: Registering for any Service implies a Subscription. Subscriptions are offered with the option of being billed monthly (every 30 days), quarterly (every 90 days), semi-annually (every 180 days), or annually (every 360 days) with or without auto renewal options.

TERMS AND TERMINATION

Registering for a Service may imply an ongoing subscription based on Your selected Service, billing frequency and term. Your registration may constitute advanced consent to receive and pay for the subscription in the future on a continuing basis, without further consent, until You or Prudent Investor cancel the subscription. For details, refer to our Cancellation Policy and our Refund Policy.

Online Orders: If You order a paid subscription to any of our Services through our online process, Your subscription might, as applicable, automatically renew and continue until terminated by Prudent Investor or until You notify Prudent Investor of Your cancellation of auto renewal. For details, refer to our Cancellation Policy and our Refund Policy.

Inbound Call Center Orders: If You order a paid subscription to any of our Services as a result of Your placing a telephone call to Prudent Investor, Your subscription, as applicable, might automatically renew and continue until terminated by Prudent Investor or until You notify Prudent Investor of Your cancellation of auto renewal. For details, refer to our Cancellation Policy and our Refund Policy.

Outbound Sales Call Orders: If You order a paid subscription to any of our Services as a result of Your placing a telephone call to Prudent Investor, Your subscription, as applicable, might automatically renew and continue until terminated by Prudent Investor or until You notify Prudent Investor of Your cancellation of auto renewal. For details, refer to our Cancellation Policy and our Refund Policy.

Trial Orders: SEE SECTION ON FREE TRIALS, SPECIAL AND INTRODUCTORY OFFERS ABOVE

CHANGES TO A SERVICE OR THE AGREEMENT

Prudent Investor may, at any time, change or discontinue any aspect or feature of a Service, including content, hours of availability, and equipment and software needed for access or use. You agree to be bound by future revisions of this Agreement. It is Your responsibility to visit the “Terms of Use” link at the bottom of Prudent Investor homepage periodically to review the most current terms and conditions. Prudent Investor may also impose limits on certain features and services or restrict Your access to parts or all a Service without notice or liability.

REFUND POLICY

We reserve the right to alter this policy at any time, at our discretion, without prior notification. All our subscriptions including trial, monthly, quarterly, semi-annual and annual are non-refundable and non-cancellable.

AUTO-RENEWAL AND CANCELLATION POLICY

Subscriptions purchased, as applicable especially for iOS in-app purchases, may be auto-renewed at the end of the subscription term. You will not receive renewal reminders prior to being charged for such renewals. Renewal prices are subject to change without notice. In the event that Prudent Investor is unable to process Your credit card payment (when applicable), We reserve the right to terminate Your access without prior notice. You may cancel Your auto-renewal subscription at any time subject to terms and conditions of Apple or/and Prudent Investor and Prudent Investor may terminate, or change a Service at any time. All terminations shall be effective immediately upon receipt of notice. Should You object to any terms and conditions of this Agreement or any subsequent modifications or become dissatisfied with a Service in any way, You agree that Your sole recourse is to immediately (1) discontinue use of the Service(s); (2) terminate Your membership; and (3) notify Prudent Investor’s Customer Service Department of Your termination. To cancel your subscription, please contact us by (1) sending an email to Prudent Investor Customer Service at support@prudentinvestor.in or (2) calling Prudent Investor Customer Service Team

TERMINATION DUE TO BREACH

Without limiting the foregoing, Prudent Investor has the right to immediately terminate Your account in the event that You breach this Agreement as perceived by Prudent Investor. If Your account is terminated, You are and will remain responsible for all charges incurred up to the time of termination.

Prudent Investor ONLINE COMMUNITIES AND FORUMS; RULES, POLICIES, AND DISCLAIMERS

SUMMARY

Prudent Investor Online Communities and Forums are designed to facilitate free exchange of ideas regarding specific investment related topics. For discussion purposes only, you may post copyrighted material owned by yourself, or owned by Prudent Investor LLP on the https://prudentinvestor.in Online Community, if you are a paid subscriber to Prudent Investor, https://prudentinvestor.in. Due to the real-time nature of the Prudent Investor Online Communities, it is impossible for us to review all messages or confirm the validity of all information posted. Please note that we may or may not actively monitor the contents of posted messages and are not responsible for the content of any messages posted. In no instance does Prudent Investor or its affiliated companies endorse content or claims contained in the posted messages. The messages in the Prudent Investor Online Communities and Forums express the views of the author of the message, not necessarily the views of Prudent Investor or any entity affiliated with Prudent Investor. Prudent Investor does not make investment recommendations. Information posted by subscribers on Prudent Investor Online Communities and Forums should not be used as a substitute for independent research, and should not be relied on to trade or make investment decisions. Occasionally, a staff member may participate in the Prudent Investor Online Communities and Forums. In such case, we may or may not identify the participant as a Prudent Investor staff member.

RESTRICTED ACTIVITIES

You agree, through your use of this service, that your activities on the site shall not:

• be false, inaccurate or misleading;
• infringe on any third party’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
• violate any law, statute, ordinance or regulation;
• be defamatory, vulgar, hateful, obscene, profane, libelous, unlawfully threatening or unlawfully harassing;
• contain advertisements, chain letters, pyramid schemes, commercial messages, auctions, or solicitations;
• contain any viruses, impose an unreasonable or disproportionately large load on the Prudent Investor.in infrastructure, and not use any data mining, robot, spider, worms, time bombs, crawler, cancelbots, Trojan horse, or any data gathering or extraction method or manual process that may damage, detrimentally interfere with or intercept any system, data or personal information;
• create liability for use or cause us to lose the services of our ISPs or other suppliers.

Violations of Prudent Investor Forums’ policies will result in the termination of your account.

DISCLAIMER

Prudent Investor Online Communities, and related companies are not responsible for the accuracy, errors, or omissions of any information posted on the Prudent Investor Online Communities and Forums, including hyperlinks appearing in the Prudent Investor Online Communities and Forums, and are not responsible for any trading or investment decisions based on such information. The Government of India recognizes the growing possibility of Cyberfraud. Please refer to Government of India or SEBI websites for additional information.

Although Prudent Investor does not and cannot review all the messages posted and is not responsible for the content of any of these messages, Prudent Investor reserves the right to delete any message for any or no reason whatsoever, including but not limited to excessive use of copyrighted material or excessive self promotion. Prudent Investor reserves the right to determine what constitutes “excessive” related to message removal. We do not guarantee or warrant the accuracy, completeness or usefulness of any message, and are not responsible for the contents of any message. You remain solely responsible for the content of your messages, and you agree to indemnify and hold harmless Prudent Investor and all affiliates with respect to any claim based upon transmission of your message(s). Any personal information you post in the Prudent Investor Online Communities and Forums becomes public information. You should exercise caution when deciding to disclose any personal information. Prudent Investor and related companies are not responsible for any events or damages arising from your disclosure of personal information in the Prudent Investor Online Communities.

PRIVACY

The Prudent Investor and affiliated companies take user privacy very seriously and will take reasonable measures to respect your privacy. However, under special circumstances, such as to comply with court orders or other legal obligations, Prudent Investor may provide personally identifiable information to third parties that may include IP addresses. Otherwise Prudent Investor will only use your information in accordance with our Privacy Statement. Prudent Investor does not knowingly allow access to or collect information from children under the age of 13. If you are not over the age of 13, click cancel below and do not register.