Vision

Live vida (spanish word for life) tension free.

Vidamate wants that you share your investments, insurances and other financial products information with your spouse, dependent parents and close friends/relatives. What is the use of such investments, if they do not help your loved ones, when they need them the most? We also provides hassle-less services to redeem your matured policies & investments.

Privacy Policy

This Privacy Policy sets forth the reasonable security practices and procedures adopted by Coredata Solutions Private Limited (“CDS”) and shall apply to the use and disclosure and sharing of sensitive personal data or information (“Personal Information”) provided by the registered users of the website www.vidamate.com (“Website”), which is owned and operated by CDS. This policy is equally applicable on the visitors to the Website.

We value the trust you have placed with us. To provide you with a convenient and safe online experience, we have implemented measures to protect the confidentiality, integrity, and security of your Personal Information during transmission through the World Wide Web. This Privacy Policy explains how we protect Personal Information provided by you through the Website and how we store and use that information, to deliver the services on the Website.

This Privacy Policy is subject to change at any time. It is advised that you review this Privacy Policy periodically. This Privacy Policy is also incorporated into and subject to the Terms of Use of the Website.

Collection of Personal Information

Most features of the Website would require registration, which may require you to provide your details such as an email address, a password, other information and information of your 'informee'. Informee can/may be your nominee for the financial product.

Website does not reveal your data to anyone except you. In case of any mishappening, informee, in the order mentioned by you, will be provided your financial product information after completing all requisite verification procedures. The call will be courteous, polite and cautious by trained professionals.

From time to time, the Website may also request other Personal Information to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide that Personal Information.

Use of Personal Information

The Website uses and discloses your Personal Information only as follows:

- To fulfill / complete your requests for products and services offered, or subscribed or availed by you on the Website.
- To deliver to you any administrative notices, money alerts, advice and communications relevant to your use of the Services.
- To analyze Website usage and improve the services offered.
- For market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity.
- To Third Party Service Providers that provide services to CDS and are bound by these same privacy restrictions.
- To improve features, tailor the Website to your interests, and to get in touch with you whenever necessary.

CDS may make anonymous or aggregate Personal Information, and disclose or use such data only in a non-personally identifiable manner for purposes of research, advertising, comparison to organizations approved by CDS.

When you choose to delete your account from the Website, your data will be permanently removed from GoDaddy.Com primary servers and further access to your account will not be possible. The Website will also promptly disconnect any connection it had established to your linked accounts and delete all Account Credentials. Your data may, however, remain on their backup server or media. We keep these backups to ensure our continued ability to provide the Services to you in the event of malfunction or damage to primary production servers.

Promotional Communication from the Website

The Website would provide you with periodic summaries of your Account Information and send email / SMS alerts. The Website also allows you to subscribe to email newsletters, research information and from time to time may transmit emails / SMS promoting the Website or third-party products or services. You have the ability to opt-out of receiving our promotional emails / SMS and to terminate your newsletter subscriptions by following the instructions on the Website. Opting out in this manner will not end transmission of service-related emails / SMS - such transactional alerts.

From time to time, the Website may offer you the opportunity to participate in surveys, contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy Policy, except as specifically set forth in the rules for those surveys, contests, giveaways or promotions.

Third Party Services and Websites

You should be aware that CDS shall permit third parties to offer subscription and/or registration-based services through the Website. CDS is not responsible for any actions or policies of such third parties, and you should check the applicable privacy policy of such third party when providing personally identifiable information. Further, CDS will not be responsible if you do not get the benefits announced, if any, by the third parties permitted to offer subscription and registration based services on its Website.

Blogs and other Forums on the Website

If you use a bulletin board, blog or chat room on the Website, you should be aware that any information you submit there can be read, collected or used by other users/visitors and could be used to send you unsolicited messages. The Website and CDS are not responsible for any personal information you choose to submit in these forums. These forums shall be hosted by the Website or by our third Party Service Providers on CDS’s behalf.

Use of Cookies and online session information

The Website will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from "cookies" sent to your browser from a web server or other means. “Cookies” are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer’s hard drive.

The Website uses cookies for a number of purposes. For instance, to enable us to simplify the logging on process for registered users, to help ensure the security and authenticity of registered users, etc. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to eliminate cookies, the full functionality of the services may be impaired for you.

Your Data is Secure

When you register for the Services, the Website requires a Login ID and a password from you for your privacy and security. You are responsible for maintaining the confidentiality of your Login ID and password and you may not provide these credentials to any third party. We recommend that you change your password periodically.

Your password must conform to standards and, as a security feature the Website will automatically reject weak passwords. We shall not be responsible if someone else accesses your account through Login ID and password they have obtained from you or through a violation by you of this Privacy Policy or the Website’s Terms of Use.

The website uses encryption techniques and authentication procedures, among others, to maintain the security of your online session, and to protect Website accounts and systems from unauthorized access. From the time you submit your Login ID and password, these communications between your computer and the Website are encrypted using at least 128-bit secure socket layer technology (SSL). This enables client and server applications to communicate in a way that is designed to prevent eavesdropping, tampering and message forgery. The Website also encrypts your Website password so that your password cannot be recovered, even by us.

Acquisitions/Mergers

In the event that CDS sell or buy any business or assets, CDS has full authority to disclose your information, including any personally identifying information, to the seller or buyer or third party of such business or assets.

Feedback

If you have questions, comments, concerns or feedback regarding this Privacy Policy or any other privacy or security concern, you can contact feedback@vidamate.com

Last updated : 15 Jan 2014

Terms of Use

This Agreement sets forth the terms and conditions that apply to the access and use of the website www.vidamate.com (the “Website”), which is owned and operated by Coredata Solutions Private Limited, (hereinafter referred to as “CDS/Company”), a company incorporated under the laws of India and registered under the Companies Act, 1956.

By accessing the Website or registering an account on the Website, the users (hereinafter referred to as “you”, or “your”) agree to be bound by the terms and conditions of these Terms of Use, the Legal Disclaimer and the Privacy Policy, as posted elsewhere on the Website.

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ACCEPTANCE OF TERMS CONTAINED HEREIN CONSTITUTES THE AGREEMENT BETWEEN YOU AND CDS FOR THE PURPOSE AS DEFINDED HEREUNDER.

KEY TERMS AND CONDITIONS

“Dashboard Service” means a consolidated view of your Bank Balances, DEMAT Balances, Credit Cards, Mutual Fund, Equity Portfolio Holdings and others.

You hereby appoint CDS/its Third Party Service Providers as an agent with a limited power of attorney to display Dashboard Services.

Table of Contents

I. INTRODUCTION.
II. ACCEPTANCE OF TERMS.
III. YOUR REGISTRATION.
IV. ACCURATE REGISTRATION INFORMATION.
V. ALERTS/ONLINE INFORMATION.
VI. PRIVACY AND YOUR PERSONAL INFORMATION.
VII. THIRD PARTY SERVICE PROVIDERS.
VIII. THIRD PARTY LINKS/OFFERS.
IX. ELIGIBILITY CRITERIA.
X. Dashboard SERVICE - TERMS OF USE.
XI. THIRD PARTY SITES.
XII. INTELLECTUAL PROPERTY RIGHTS.
XIII. DISCLAIMER OF WARRANTIES.
XIV. LIMITATION OF LIABILITY.
XV. RULES FOR POSTING.
XVI. MISCELLANEOUS.

Service Limitations.
Service Changes and Discontinuation.
Password Protection.
Customer Service Requests.
Obey the Law.
Access and Interference.
Restrictions on Commercial Use or Resale.
Rights You Grant to CDS as regards Content You Provide.
Endorsements.
Not an Investment Advisor, Planner, Broker or Tax Advisor.
Force Majeure.
Indemnification.
Promotional Offers.
Subscription Fees and Additional Charges.
Third Party Products and Services.
Electronic Communications.
Assignment.
No Waiver.
Exclusive Agreement.
Arbitration.
Governing Law and Jurisdiction.

I. INTRODUCTION

The Terms of Use (“Agreement”) sets forth the terms and conditions (“Terms”) that will apply to your access and use of the website located at www.vidamate.com (“Website”), which is owned and operated by Coredata Solutions Private Limited (“CDS” or “Company”), a company incorporated under laws of India and registered under the Companies Act, 1956. By registering for the Services (as defined later), you agree to be bound by the Terms of this Agreement and the Legal Disclaimer and Privacy Policy available at the Website and as may amended from time to time.

CDS reserves the right to make changes to Terms at any time. Your continued use of the Website and/or Services shall mean your deemed acceptance of the modified Terms.

CDS hereby offers you to have a consolidated view of financial products.

Dashboard Service and Additional Service(s) and use of such other information, tools, alerts, articles, views, videos, information, advices, calculators, analysis, report, data, contents, news, prices, statistics, comments, feedback, advertisement, features and functionality and other services on the Website, are hereinafter jointly referred to as “the Services,” and individually as “Service”.

II. ACCEPTANCE OF TERMS

This Agreement describes the Terms governing the usage of the Services provided to you on the Website. Clicking “I Agree” to “Terms & Conditions" on the registration page, after you have read all the Terms of the Agreement, shall be considered as your acceptance of this Agreement. Your continued usage of the Services from time to time would also constitute acceptance of the Terms including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.

Your electronic consent, accepting these Terms, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person. If you choose not to accept these Terms, you will not be entitled to use the Services. However, CDS has the option to reject your registration to this Website without assigning any reasons whatsoever.

CDS reserves the right at its sole discretion to make changes to these Terms, for such reason as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services, company reorganisation, market practice or customer requirements. Upon any change, CDS will notify the updated Terms on the Website or other means. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the Services.

You can review the most current version of the Terms at any time, by clicking the Terms & Conditions link on the login page of the Website.

You agree and authorise CDS to share your information with its group companies and other third parties, in so far as required for joint marketing purposes/offering various services/report generations and/or to similar services to provide you with various value added service, to aid you in managing your finances. You agree to receive emails from CDS or its third party vendors regarding the Services updates, information/promotional emails and/or product announcements. Please also read the Privacy Policy for more information and details. Please refer to our Privacy Policy page.

III. YOUR REGISTRATION

Upon successful registration to the Services and payment of Subscription Fee, if applicable, your Account would be activated. You agree and understand that you are solely responsible for maintaining the confidentiality of your password which, together with your Login ID, allows you to access the Service. That Login ID and password, together with any mobile number or other contact information you provide, form your “Registration Information”.

By providing us with your email address and mobile number, you agree to receive all required notices and information electronically, to that email address or mobile number. It is your responsibility to update any changes to your email address and mobile number. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the email or through a link to the appropriate page on the Website, accessible through any standard, commercially available internet browser. If you become aware of any unauthorized use of your Registration Information, you agree to notify CDS immediately at the customer service helpdesk, the details of which are available on the Website. CDS shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or access occurred solely due to reasons directly attributable to CDS.

IV. ACCURATE REGISTRATION INFORMATION

You shall provide true, accurate, current and complete information about yourself and the Linked Accounts and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services by CDS. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the website or use of the services.

Your family members, relatives, friends or third party contact whom you know or may not know, together are termed as "Informee"/"INFORMEE"/"informee", together with any mobile number or other contact information of informee you provide, form your “Informee Information”.

The Dashboard Service also allows you to add three informee(s) who can be your family members, relatives, friends or third party contact. CDS will take due care to reach your informee(s) in case of any mis-happening and emergency only. The call will be courteous and polite by trained professionals to equire about your presence and health conditions. CDS shall not be responsible for any claim or breach of privacy, unlawful access etc. by your informee.

Any misrepresentation in providing the Registration Information shall render the Services void ab initio, but without any recourse on CDS. CDS shall not be held responsible for any reason whatsoever if the Registration Information and Informee information are incorrect at any point in time. Failure to provide accurate and complete information during registration may prohibit the use of the Dashboard Service.

V. ALERTS/ONLINE INFORMATION

CDS may send automatic alerts and voluntary account-related alerts from time to time. Certain voluntary account alerts may be turned on by default, as part of the Services. You may customize, deactivate or reactivate these voluntary alerts based on your individual preferences and options available. CDS may add new alerts (automatic/voluntary/compulsory) from time to time, or cease to provide certain alerts at any time, upon its sole discretion. Each alert has different options available and you may be asked to select from among these options on activation of your alerts service.

The alerts will be sent to you electronically on your email address and/or mobile number as per your most recent Registration Information available with CDS. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts. You hereby agree and consent to receive all transactional alerts at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorize CDS to share/disclose the information to any third party service provider or any affiliates, group companies, their authorized agents or third party service providers.

However, sending of short messaging service (SMS) alerts are subject to TRAI regulations and also to your telecom service provider, as may be applicable from time to time. CDS cannot be held responsible for non-delivery or delay in delivery of SMS alerts to your mobile number.

You agree and understand that alerts are not encrypted. Alerts may include some of your personal and sensitive information. Depending on which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email/mobile will be able to view the content of these alerts; therefore, you should take proper care to prevent any unauthorized access to the said alerts to protect your own interest.

While CDS would endeavor to provide alerts under the Services in a timely and accurate manner, you understand and agree that any such alerts may be delayed or prevented by a variety of factors. You agree that CDS shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party, on the reliance of an alert. Further, the delivery of alert messages are subject to compliance of any local laws or guidelines, as may be enforced from time to time and you agree to abide by such compliance requirement, as and when notified by governing authorities.

VI. PRIVACY AND YOUR PERSONAL INFORMATION

The Registration Information, Informee Information and such other information provided by you to CDS under this Agreement shall at all times be governed by CDS’s data protection practices as per its Privacy Policy available on the Website (See Privacy Policy section). The Privacy Policy explains how CDS treats your personal information when you access the Website and use the Services. You agree and authorize CDS to share your information with its group companies, associate companies, third party service providers, so far as required for joint marketing purposes/offering various services/report generation and/or to similar services to provide you with various value-added services.

The Privacy Policy may be updated from time to time at CDS’s sole discretion and/or as per legal requirement. Changes will be effective upon posting of the revised Privacy Policy on the Website.

CDS may transfer sensitive personal data or information to another Indian or overseas body corporate if it is necessary for the performance of Services, and you hereby consent to such data transfer.

VII. THIRD PARTY SERVICE PROVIDERS

The Services on the Website are enabled through various third party service providers, including but not limited to the following:
GoDaddy.com acts as Internet Service Provider and Secure Socket Layer issuer. CDS reserves its right, in its sole discretion, to replace/appoint/re-appoint any or all third party service providers to ensure uninterrupted provision of Services.

VIII. THIRD PARTY LINKS/OFFERS

Certain parts of the Services could be supported by sponsored links from advertisers and display CDS offers (“CDS Offers”) that may be custom matched to you based on information stored in the Services, queries made through the Services, or any other information. You agree and understand that CDS will always disclose such information when a particular CDS Offer is sponsored.

In connection with CDS Offers, the Services may provide links to websites belonging to such advertisers and other third parties, which are beyond the control of CDS. CDS does not endorse, warrant or guarantee the products or services available through the CDS Offers (or any other third party products or services advertised on or linked from our site), whether or not sponsored, and CDS shall neither be construed as an agent or broker of such advertisers or third parties, nor otherwise be responsible for the activities or policies of their websites. The usage of such service, if any, shall be entirely on the basis of the terms and conditions between you and the service provider.

CDS does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Website, are actually the terms that may be offered to you, if you pursue the offer, or that they are the best terms or lowest rates available in the market.

IX. ELIGIBILITY CRITERIA

You declare and confirm that you are a resident of India, above 18 (Eighteen) years of age, and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered herein.

X. DASHBOARD SERVICE - TERMS OF USE

The Dashboard Service allows you to retrieve and view your financial information all at one place. However, the selection and presentation of the financial information/account which you choose to display shall depend/vary from time to time, as per the discretion of CDS/Software provider. CDS can change, replace and alter Graphical User Interface (GUI) anytime, at their discretion.

For all purposes hereof, you hereby grant CDS/its Third Party Service Providers a limited power of attorney, and you hereby appoint CDS/its Third Party Service Providers as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party sites, retrieve information, and use your information, with the full power and authority to do and perform each and every act and thing, requisite and necessary to be done, in connection with the dashboard services, as fully to all intents and purposes as you might or could do in person.

YOU ACKNOWLEDGE AND AGREE THAT WHEN CDS OR ITS THIRD PARTY SERVICE PROVIDERS ARE ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, CDS OR ITS SERVICE PROVIDERS ARE ACTING AS YOUR AGENT AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY.

You agree that Third Party Service Providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. However, you agree and understand that the amount of time taken for collating the information which is sought cannot be guaranteed, and the dashboard service may take time to gather the information; therefore, your patience is requested and will be required, while the information is being aggregated.

You also understand that there could be a possibility that the bank/financial institution/third party website prevents CDS or its Third Party Service Providers from collating the Account Information. In such an event, the Third Party Service Providers would not be able to collect and provide you with the desired information. CDS shall not be held responsible in any manner whatsoever, for any such inability to access the desired Account Information.

CDS AND ITS THIRD PARTY SERVICE PROVIDERS RESPECT YOUR PRIVACY AND USE THE INFORMATION PROVIDED BY YOU, SOLELY FOR THE PURPOSE OF PROVIDING Dashboard SERVICES. WE RESPECT YOUR PRIVACY AND DO NOT INTEND TO ASK OR STORE ANY OF THE IDs & PASSWORDS OF BANKS OR OTHER ACCOUNTS THAT YOU WOULD PROVIDE TO US.

CDS reserves the right to use the information accessed and aggregated by you to provide you with better services, information and alerts from time to time. The Dashboard Service tools and services are subject to such charges and fees, as may be made applicable from time to time. CDS reserves the right to change such charges/fees for these services, as deemed fit and proper. CDS will notify you about the charges/fees electronically and intimation shall be provided to you at the email address provided by you at the time of registration.

DATA AND INFORMATION UNDER Dashboard SERVICE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY.

You agree that CDS is not liable for any errors, inaccuracies or delays in the content or information or for any actions taken on reliance thereof. The Website provides information of the Banks or Merchants etc., shared by you, for your convenience only. CDS does not endorse or recommend the services of any Bank or Merchants etc. The Bank or Merchants etc. you select is solely responsible for its services to you.

CDS is not liable for any damages or costs of any type arising out of, or in any way connected with your use of the Dashboard Services or the services of the Bank, or Merchants or third party sites etc., as the case may be. There may be a situation where the use of Dashboard Services at the instance of the bank, merchant may result in withdrawal/cancellation/discontinuation of your Account due to any reasons whatsoever. You agree that in such an event, you will not hold CDS liable for withdrawal/cancellation/discontinuation of your Account or consequent damages or losses. You may also add information into the Website for accounts not available at other websites or which are not linked online to the Website. In such a case, you are solely responsible for the accuracy of such information.

You also agree and understand that data feeds, prices, rates and other similar market value information about any product or asset or property or securities or account information could be based on delayed feeds and these data or information may not reflect the real time values/actual rates.

XI. THIRD PARTY SITES

By using the Services, you hereby authorize CDS and its Third Party Service Providers to access the websites of third parties designated by you. You are responsible for the fees charged by the Bank/Merchants/third parties in connection with such transactions and Linked Accounts, and you agree to comply with the terms and conditions of those accounts and use of services.

If you have a dispute or question about any transaction on such website(s), you shall direct those to the respective providers of the Linked Accounts. Third party websites shall be entitled to rely on the authorizations, agency and power of attorney granted by you to CDS, under this Agreement. CDS has no relationship to, affiliation, or connection with any such third party websites available for use with the Services, except where the third party websites belong to group or associate companies wherein you hold an account. However, the Services are not endorsed or sponsored by any such third party websites/providers. You agree and understand that Linked Accounts or services and information of group/associate company are not in any manner intended as being endorsed by CDS, nor is it intended to be construed as being endorsed by CDS. You agree and understand that you can choose and avail of the services and information of any other service provider, including for undertaking any transaction or for any other investment related matter. Such services and offerings will be as per the terms and conditions agreed by and between you and the service provider offering such services.

You agree that CDS assumes no responsibility and shall incur no liability with respect to the acts, omissions, or determination of any such third party website. You acknowledge and agree that the Website may not maintain the same level of security against unauthorized access to your account information as the third party websites from which you have authorized CDS to retrieve information on your behalf.

XII. DEACTIVATION OF SERVICE(s) and TERMINATION OF AGREEMENT

You shall have an option to deactivate the Service(s) by following the administrative rules prescribed by CDS from time to time. The deactivation request(s) would be processed and you shall receive deactivation intimation for your future records and reference.

CDS may, at any time, terminate this Agreement with you immediately upon notice:
If you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement).
If CDS, in its sole discretion, believes it is required to do so by law or regulatory authority.
If you are found to upload any objectionable content.
If you have provided false and incorrect information as a part of your Registration Information.

XIII. INTELLECTUAL PROPERTY RIGHTS

The contents of the Website, including its “look and feel” (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programmes) and other material are the owned/licensed by/to CDS and/or its Third Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws. You acknowledge and agree that CDS and/or its licensors or suppliers own all rights to this Website, the content displayed on the site and any intellectual or proprietary property and/or technology (in any form) made available to you as a part of or in conjunction with the Services.

You are only permitted to use any of the foregoing as expressly authorized by these Terms, and otherwise, by the Services. You may download or print a copy of the information provided on this Website for your personal, internal and non-commercial use only. You may not copy, re-print, reproduce (electronically or otherwise), distribute, or create derivative works from any content on the Website, in whole or in part, for any other purpose without our prior written consent. Further, you agree not to reverse engineer or reverse compile any technology associated with the Services, including but not limited to any software applications or Java applets associated with the Services Content, from the Website, in whole or in part.

XIV. DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

CDS AND ITS SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, CDS AND ITS THIRD PARTY SERVICE PROVIDERS ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY DATA FROM ANY THIRD PARTY OR FOR ANY INTERRUPTIONS IN THE AVAILABILITY OF ANY SERVICES, WHETHER THE RESULT OF ACTIONS BY CDS, OR ANY THIRD PARTY.

CDS MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE WEBSITE OR OF THE SERVICES (WHETHER OR NOT SPONSORED BY THIRD PARTY SERVICE PROVIDERS), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. CDS MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

CATEGORIZATION OF YOUR TRANSACTIONAL INFORMATION WITHIN THE SERVICES IS ESTIMATION PROVIDED FOR YOUR INFORMATION ONLY, AND CDS DISCLAIMS ALL WARRANTIES OF ACCURACY FOR ANY USE, INCLUDING WITHOUT LIMITATION, TAX DEDUCTION. CDS AND ITS SERVICE PROVIDERS MAKE NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CDS OR ITS SERVICE PROVIDERS OR THROUGH OR FROM CDS OR ITS SERVICE PROVIDERS, WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

XV. LIMITATION OF LIABILITY

YOU AGREE THAT NEITHER CDS NOR ANY OF ITS AFFILIATES, SUBSIDIARIES, LICENSORS, SUPPLIERS, SERVICE PROVIDERS, THIRD PARTY DEVELOPERS, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, OPPORTUNITY, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF CDS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM CDS; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vi) ANY OTHER MATTER RELATING TO THE SERVICES.

NIETHER CDS NOR ANY OF ITS AFFILIATES , DIRECTORS , OFFICERS OR EMPLOYEES, WILL BE LIABLE OR HAVE ANY RESPONSIBILTY OF ANY KIND FOR ANY DIRECT OR INDIRECT LOSS OR DAMAGE THAT YOU MAY INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR from any other cause relating to your access to, inability to access, or use of the Website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of the Website or of any vendor providing software or services support. In no event, will CDS be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind.

IN ALL CASES, THE MAXIMUM LIABILITY, IF ANY, SHALL BE RESTRICTED TO THE EXTENT OF SUBSCRIPTION FEES, IF ANY PAID BY YOU, TO CDS FOR USE OF SERVICES WHICH ARE OFFERED BY CDS. UNDER NO CIRCUMSTANCES SHALL CDS BE LIABLE FOR YOUR USING THESERVICES OFFERED OR PROVIDED BY ANY THIRD PARTY SERVICE PROVIDER.

XVI. RULES FOR POSTING

As part of the Services, CDS may allow you to post content on bulletin boards, blogs and at various other publicly available locations on the Website. These forums may be hosted by CDS or by one of its third party service providers on CDS’s behalf. While posting any content, you agree to follow certain rules, including but not limited to the following:

a. You shall be solely responsible for all content you post on the Website.

b. By submitting content to us, you represent that you have all necessary rights and hereby grant CDS a perpetual, worldwide, non-exclusive, royalty-free, sub licensable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with the Website and CDS business, including without limitation for promoting and redistributing part, or all of the site (and derivative works thereof) in any media formats and through any media channels.

c. You also hereby grant other users of the Services a non-exclusive license to access your posted content through the Website, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Website and under this Agreement.

d. You shall not post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person. You may not post or transmit any message, data, image or programme that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law; or that is otherwise inappropriate.

e. You shall not post or transmit any message, data, image or programme that would violate the property rights of others, including unauthorized copyrighted text, images or programmes, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion.

f. You may not interfere with other users use of the Services, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Website, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Services' infrastructure, or that negatively affects the availability of the Service to others.

g. Except where expressly permitted, you shall not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You shall not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services except in those areas (eg. a classified bulletin board) that are designated for such a purpose.

h. You shall not copy or use personal, identifying or business contact information about other users of the Services without their permission. Unsolicited emails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Services are prohibited.

i. You agree that CDS may use any feedback, suggestions, or ideas you post in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant CDS a perpetual, worldwide, fully transferable, sub-licensable, non-revocable, fully paid-up, royalty- free license to use the feedback you provide to CDS in any way. You agree to also comply with Community Guidelines, in addition to the terms of this Agreement.

XVII. MISCELLANEOUS

Service Limitations

CDS will try to make your experience with the Website a productive one. However, CDS cannot always foresee or anticipate technical or other difficulties. The Services may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that, except as explicitly stated otherwise in these Terms, the Services is provided "AS IS", without warranties of any kind. CDS does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings.

CDS and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non availability of the Website, and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. CDS will not be responsible for any liability arising out of delay in providing any information on the Website.

Service Changes and Discontinuation

CDS reserves the right to discontinue or suspend, temporarily or permanently, the Services, by giving 48 (forty eight) hours notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website or maintain the security and integrity of the Services. You agree that CDS will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.

Password Protection

You shall not be entitled to avail of the Services without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. Please notify CDS immediately of any unauthorized use or access of your password or Account, or any other breach of security. CDS will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.

Customer Service Requests

If you request customer service assistance or report a problem with the Services, it may be necessary for CDS to access your Vidamate account and view your account information.

Obey the Law

You agree not to use the Services for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

Attorney'S Fees

If CDS takes action (by itself or through its associate companies) to enforce any of the provisions of this User Agreement, including collection of any amounts due hereunder, CDS shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney's fees and any costs of any litigation.

Access and Interference

You agree that you will not:

a. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website, without CDS’s express written consent, which may be withheld at CDS’s sole discretion.

b. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines and search agents available through the Services and other than generally available third party web browsers (such as Microsoft Explorer).

c. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the Services.

d. Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the Services.

Restrictions on Commercial Use or Resale

Your right to use the Services is personal to you; therefore, you agree not to resell or make any commercial use of the Services.

Rights You Grant to CDS as regards Content You Provide

Your usage of this Website provides an implied license to CDS to use, modify, display, distribute any information, data, materials, or other content you provide to CDS and that is retrieved from third party sites at your request and new material created (collectively, "Content") for the purpose of providing the Services.

In addition, CDS welcomes your feedback as a user of the Services. Any feedback you provide will become the confidential and proprietary information of CDS, and you agree that CDS may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to CDS. CDS shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into CDS or other CDS software or services.

Endorsements

All product and service marks contained on or associated with the Services that are not CDS marks, are the trademarks of their respective owners. CDS would require you to respect the same. References to any such names, marks, products or services of third parties or hypertext links to third party sites or information does not imply CDS’s endorsement, sponsorship or recommendation of the third party, information, product or service.

Not an Investment Advisor, Planner, Broker or Tax Advisor

Neither CDS nor the Services are intended to provide any legal, tax or financial or securities related advice. You agree and understand that CDS is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. The Services are intended only to assist you in your financial organization and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the Services may not be appropriate for your situation.

Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimer provided on the Website.

Force Majeure

Under no circumstances shall CDS and any of its Third Party Service Providers be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

Indemnification

You agree to protect and fully compensate CDS, its affiliates, subsidiaries, licensors, suppliers and service providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the Services, your violation of the Terms or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.

Promotional Offers

CDS may, from time to time, announce certain offers with intent to promote its Website and/or Services (Promotional Offers). The Promotional Offer(s) would always be governed by these Terms plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms, to the extent they may be in conflict with these Terms. CDS reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

Subscription Fees and Additional Charges

The Users agree to pay the different charges for the usage of Website and for its Services thereof as may be specified on the Website from time to time (Subscription Fee). Currently, there is no Subscription Fee; however, CDS reserves its right to revise the subscription model from time to time, at its sole discretion. Subscription Fee may be specified in one or more categories based on features of the Services. Users shall have the option to subscribe for the Services under any one of such category. Once subscribed, the User shall not be allowed to downgrade the subscription category, until the subscription comes up for renewal. Once paid, there would be no refund of Subscription Fee unless the Services are voluntarily discontinued by CDS, at their sole discretion and convenience. In such an event, the Subscription Fee shall be refunded on a proportionate basis, as per the extant administrative rules of CDS. CDS reserves its right to change the Subscription Fee (or its categories) without any prior intimation. All such changes would be effective prospectively. Notwithstanding anything herein, the Promotional Offer(s) may specify Subscription Fee at differentiated rate(s), which would be applicable solely for the corresponding Promotion Offer(s) and not otherwise.

You are responsible for any and all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider.

Third Party Products and Services

CDS reminds you to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to sites containing information or material that may be offensive or inappropriate to some people. CDS makes no effort to review the content of these sites, nor is CDS or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.

In addition, CDS does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that CDS does not pre-screen content, but that CDS will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the Services.

Electronic Communications

These Terms and any notices or other communications regarding the Services may be provided to you electronically, and you agree to receive communications from CDS in electronic form. Electronic communications may be posted on the Services Website and/or delivered to your registered email address, mobile phones etc. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically is valid until you revoke your consent by notifying CDS of your decision to do so. If you revoke your consent to receive communications electronically, CDS shall have the right to terminate the Services.

Assignment

You shall not assign your rights and obligations under this Agreement to any other party. CDS may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.

No Waiver

Neither CDS nor any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing and signed by CDS. No delay or omission on the part of CDS or any of its Service Providers and processor bank/merchants etc., in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Exclusive Agreement You agree that these Terms are the complete and exclusive statement of agreement between you and CDS and supersede any proposal or prior agreement, oral or written, and any other communications between you and CDS and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms. These Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and CDS and/or the processor bank.

Arbitration

Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by CDS and you, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event we are unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the two arbitrators. The venue for arbitration shall be New Delhi. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English.

Governing Law and Jurisdiction

The Website specifically prohibits you from usage of any of its Services in any countries or jurisdictions that do not corroborate to all stipulations of these Terms. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Mumbai having exclusive jurisdiction.

COPYRIGHT COREDATA SOLUTION PVT. LTD. ALL RIGHTS RESERVED.

Last updated: 15 Jan 2014