Competent Finman Pvt. Ltd. believes that you will experience, enjoy and participate in the many services and features on our site. By visiting our site you are agreeing to be bound by the following terms and conditions. We may change these terms and conditions at any time. Your continued use of website of Competent Finman Pvt. Ltd. means that you accept any new or modified terms and conditions that we come up with. So please re-visit the `Terms of Use' link at our site from time to time to stay abreast of any changes that we may introduce.

The term `Competent Finman Pvt. Ltd.' is used through this entire Terms of Use document to refer to the website, its owners and the employees and associates of the owner.

REGISTRATION

By registering, you certify that all information you provide, now or in the future, is accurate.

Your registration at Competent Finman Pvt. Ltd. is valid for 90 days from the date you first login and is automatically renewed for a period of 90 days every time you login thereafter. If you do not login at Competent Finman Pvt. Ltd. for a continuous period of 90 days your registration could be automatically cancelled.

Competent Finman Pvt. Ltd. reserves the right, in its sole discretion, to deny you access to this website or any portion thereof without notice.

PROPRIETARY RIGHTS TO CONTENT

You acknowledge that the Competent Finman Pvt. Ltd. content, service and software (including but not limited to text, sound, photographs, graphics or other material contained in any communication, sponsor advertisements or messages, whether by its owners, its advertisers, affiliates or partners) are protected by copyrights, trademarks, service marks, patents and/or other proprietary rights and laws; therefore, you are only permitted to use content, service or software as expressly authorized by Competent Finman Pvt. Ltd., its advertisers, affiliates and partners.

LIABILITY DISCLAIMER

YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK. THE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES PUBLISHED ON THIS WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE CONTENTS HEREIN. Competent Finman Pvt. Ltd. AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS WEB SITE AT ANY TIME. THIS WEB SITE MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME DUE TO REQUIRED MAINTENANCE, TELECOMMUNICATIONS INTERRUPTIONS, OR OTHER DISRUPTIONS. Competent Finman Pvt. Ltd. (AND ITS OWNERS, SUPPLIERS, CONSULTANTS, ADVERTISERS, AFFILIATES, PARTNERS, EMPLOYEES OR ANY OTHER ASSOCIATED ENTITIES, ALL COLLECTIVELY REFERRED TO AS ASSOCIATED ENTITIES HEREAFTER) SHALL NOT BE LIABLE TO USER OR MEMBER OR ANY THIRD PARTY SHOULD COMPETENT FINMAN PVT. LTD. EXERCISE ITS RIGHT TO MODIFY OR DISCONTINUE ANY OR ALL OF THE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES PUBLISHED ON THIS WEBSITE.

COMPETENT FINMAN PVT. LTD. AND/OR ITS RESPECTIVE ASSOCIATED ENTITIES MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES CONTAINED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH CONTENTS, INFORMATION , SOFTWARE, PRODUCTS, FEATURES AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. COMPETENT FINMAN PVT. LTD. AND/OR ITS ASSOCIATED ENTITIES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THESE CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT & AVAILABILITY.

IN NO EVENT SHALL COMPETENT FINMAN PVT. LTD. AND/OR ITS ASSOCIATED ENTITIES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY CONTENTS, INFORMATION, SOFTWARE, PRODUCTS, FEATURES AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF Competent Finman Pvt. Ltd. OR ANY OF ITS ASSOCIATED ENTITIES HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

INDEMNIFICATION

You agree to indemnify and hold Competent Finman Pvt. Ltd. and its associated entities harmless from any claim, demand, expense or damage, including reasonable attorneys’ fees relating to use of the Competent Finman Pvt. Ltd. website or violation of this Agreement.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Web site, you warrant to Competent Finman Pvt. Ltd. that you will not use this website for any purpose that is unlawful or prohibited by these or any of the other terms, conditions, and notices contained on this website.

LINKS TO THIRD PARTY SITES

This website may contain hyperlinks to websites owned by entities other than Competent Finman Pvt. Ltd.. Such hyperlinks are provided for your reference and convenience only. Neither Competent Finman Pvt. Ltd. nor its owners control such websites, and are not responsible for their contents. Competent Finman Pvt. Ltd.'s inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

MODIFICATION OF THESE TERMS AND CONDITIONS

Competent Finman Pvt. Ltd. reserves the right to change this Agreement, and/or any part thereof, at any time.

Your continued use of the Competent Finman Pvt. Ltd. website after modifications constitutes an affirmative acknowledgment of the amended Competent Finman Pvt. Ltd. Terms of Use and consent to abide and be bound by any terms thereof.

The owners of Competent Finman Pvt. Ltd., reserves the right to modify or discontinue the Competent Finman Pvt. Ltd. website with or without notice to you. The owners shall not be liable to you or any third party should they excercise its right to modify or discontinue the Competent Finman Pvt. Ltd. website.

USE OF MESSAGE BOARDS, CHAT ROOMS AND OTHER COMMUNICATION FORUMS

If this Web site contains message/bulletin boards, chat rooms, 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 particular Forum. By way of example, and not as a limitation, you agree that when using a Forum, you shall not do any of the following:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.

Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.

Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.

Conduct or forward surveys, contests, or chain letters.

Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

All Forums are public and not private communications. Chats, postings, conferences, and other communications by other users are not endorsed by Competent Finman Pvt. Ltd., and such communications shall not be considered reviewed, screened, or approved by Competent Finman Pvt. Ltd.. Competent Finman Pvt. Ltd. reserves the right for any reason to remove without notice any contents of the Forums received from users, including without limitation message board postings.

SOFTWARE AVAILABLE ON THIS WEB SITE

Software (if any) that is made available to download from this website (" Software") is the copyrighted work of the owners and/or its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software not accompanied by a license agreement, Competent Finman Pvt. Ltd. hereby grants to you, a personal, non-transferable license to use the Software for viewing and otherwise using this website in accordance with these terms and conditions, and for no other purpose. Please note that all Software, including without limitation all HTML code and Active X controls contained in this Web site, is owned by Competent Finman Pvt. Ltd. and/or its suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT.

DIRECTORY LISTINGS & SERVICES

This website contains (directory) features and services that enable you to enlist yourself and/or access information about other registered visitors and/or their services. You will enlist at, access and use such sections, information, features and services at your own risk. Competent Finman Pvt. Ltd. does not represent or endorse the accuracy or reliability of any of the information, contents or services available at, listed in or obtained by using such directories. You hereby acknowledge that any reliance upon any of the information, contents, features or services available at, listed in or obtained by using such directories shall be at your sole risk.

Competent Finman Pvt. Ltd. provides links and other contact details of enlisted entities for your reference and convenience only. Competent Finman Pvt. Ltd. does not endorse or recommend the services of any of the entities listed in this directory or elsewhere on this site. Any entity that you select to contact or deal whether listed in this directory or elsewhere on this site is solely responsible for its services to you, and you agree that Competent Finman Pvt. Ltd. shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services.

DISCLAIMER OF WARRANTIES

You expressly agree that use of the Competent Finman Pvt. Ltd. services, including the Loyalty Program is at the Member’s sole risk.

Competent Finman Pvt. Ltd. expressly disclaims any and all express and implied warranties, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Competent Finman Pvt. Ltd. shall not be liable or responsible for those guarantees, warranties and representations, if any, offered by Competent Finman Pvt. Ltd.'s advertisers, partners, manufacturers of merchandise or suppliers of services. No advice or information, whether oral or written, obtained by Member from Competent Finman Pvt. Ltd. or through any other source shall create any warranty not expressly made herein.

PARTICIPATION IN PROMOTIONS OF ADVERTISERS AND PARTNERS

Member’s correspondence with or participation in promotions of the Loyalty Program advertisers and partners are solely between corresponding Member and the advertiser or partner. Competent Finman Pvt. Ltd. assumes no liability, obligation or responsibility for any part of any such correspondence or promotion.

NOTICES

All notices given by Competent Finman Pvt. Ltd. to you will be given by e-mail or regular mail or by general posting on the Competent Finman Pvt. Ltd. website.

LAWS

The terms of this contract are exclusively based on and subject to Indian law. You hereby consent to the exclusive jurisdiction and venue of courts in New Delhi, India in all disputes arising out of or relating to the use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph