Legal Disclaimer

MyUniverse Website viz. www.myuniverse.in and Mobile Application including but not limited to "MyUniverse and Maxit" (hereinafter referred as "Mobile App") is owned and maintained by Aditya Birla MyUniverse Limited (Formerly known as Aditya Birla Customer Services Limited) (ABMUL) ("lABMUL"). By accessing, using and/or registering on the Website/ Mobile App you have read, understood and agree to be legally bound by the terms of this disclaimer, the Privacy Policy and the Terms and Conditions governing this Website/ Mobile App (collectively, "the Governing Conditions"). ABMUL reserves the right to make changes to the Website/ Mobile App and the Governing Conditions at any time. Your usage of the Website/Mobile App or Services and Information (defined later), is entirely at your own risk. If you do not agree with any of the Governing Conditions, you should discontinue usage of the Website/Mobile App and/or Services and Information. Your continued use of the Website/ Mobile App shall mean your deemed acceptance to the Governing Conditions, as modified from time to time.

ABMUL makes no representation, warranty or guarantee as to the quality, accuracy, completeness, performance or fitness of any alert, article, view, video, information, advice, tool, calculator, analysis, report, data, content news, price, statistic, comment, feedback, advertisement, notification etc. provided on or through the Website/ Mobile App (collectively, "the Services and Information"). The Services and Information provided on or through the Website/ Mobile App are for general guidance and information purposes only and they do not in any manner indicate any assurance, advise or opinion of any manner whatsoever. ABMUL makes no representations, warranties or guarantees (express or implied) that the contents of the Website/Mobile App or Services and Information are free from infection by viruses or other code or computer programming or anything else which has contaminating or destructive properties; and shall have no liability in respect thereof. Any of the Services and Information may be prone to shortcomings, defects or inaccuracies due to technical reasons.

ABMUL neither offers nor intends to provide any investment advisory services; Services and Information are sourced from experts or third party service providers/Intermediary, which may also include reference to any associate or group company. However, any such services and information shall not be construed to represent that they belong or represent or are endorsed by the views of the Website/Mobile App or ABMUL. Any service and information provided or sourced from group/associate company are incidental. ABMUL is an independent entity and such services and information from any group or associate company are not in any manner intended or to be construed as being endorsed by ABMUL. You can choose and avail the services and information of any other service provider, including for undertaking any transaction or for any other investment related matters. Such services and offerings will be as per the terms and conditions agreed by and between you and the service provider offering such services.

The Services and Information do not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website/Mobile App or Services and Information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type.

The Services and Information are dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website/Mobile App or in any Services and Information would construe ABMUL or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website/Mobile App are not meant to be an endorsement or offering of any stock or investment advice. These are meant for general information only. ABMUL or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or group or associate companies of ABMUL, or any other third party which may be engaged in offering of these services.

All Open Ended Mutual Fund’s rating marked as “Morningstar Rating”and available on the website / mobile app is provided by the MORNINGSTAR INDIA PRIVATE LIMITED (Morningstar). The information, data, analyses and opinions (“Information”) contained on the website / mobile app related to such rating: (1) include the proprietary information of Morningstar and its content providers; (2) may not be copied or redistributed except as specifically authorised; (3) do not constitute investment advice; (4) are provided solely for informational purposes; (5) are not warranted to be complete, accurate or timely; and (6) may be drawn from fund data published on various dates. Morningstar is not responsible for any trading decisions, damages or other losses related to the Information or its use. Please verify all of the Information before using it and don’t make any investment decision except upon the advice of a professional financial adviser. Past performance is no guarantee of future results. The value and income derived from investments may go down as well as up.

Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or services before taking or considering an investment or financial decision. Any access to information hosted on third party websites of billers/banks/merchants/associate companies or group companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these third parties.

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 that these data or information may not reflect the real time values/actual rates. You are therefore advised to refer to latest market values/rates/prices from time to time.

ABMUL is not responsible for any errors or omissions or for the results obtained from the use of the Website/Mobile App or Services and Information. ABMUL disclaims all liability of whatever nature, to any user, on account of the use of the Website/Mobile App or Services and Information. In no event shall ABMUL or its affiliates or its group company or its employees, directors or authorized representatives be held liable for any direct, indirect, special, consequential, punitive or exemplary damages of any nature whatsoever, for any decision made or action taken in reliance upon the Services and Information. ABMUL/its employees/authorized representatives will not be responsible for any liability in respect of any person/entity directly or indirectly suffering any consequential losses, damages or claims of whatever nature as a result of any shortcoming, defect or inaccuracy that may have crept in on this Website/Mobile Application, or otherwise using the information available on this Website/Mobile App in any manner.

This Website/Mobile App may contain material or views or information submitted by users and/or third party sites; however, ABMUL accepts no responsibility or accuracy of such content, nor does the Website/Mobile App make any representations by virtue of the contents of this Website/Mobile App, in respect of the existence or availability of the same in any of the sections contained herein. ABMUL makes no representations, warranties or guarantees (express or implied) that the contents of the Website/Mobile App are free from infection by viruses or other code or computer programming or anything else which has contaminating or destructive properties and shall have no liability in respect thereof.

Part of this Website/Mobile App may contain advertising and other material submitted by third parties and ABMUL does not accept liability in respect of any advertisements. ABMUL is not responsible for any errors, omissions or representations on any of the pages or on any links on any of the pages. www.myuniverse.in/ mobile app will contain articles, videos or views contributed by several individuals. The views are exclusively their own and do not necessarily represent the views of the Website/Mobile App or its management. There may be links to third party sites and when you access the same, they are not under our control and ABMUL is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Any information, opinions, advice or offers posted by any person or entity logged in to the Website/Mobile App or any of its associated sites is to be construed as public conversation only, and ABMUL shall not be liable or responsible for such public conversation.

Certain Services and Information may be based on Short Messaging System (SMS). These are subject to the TRAI regulations and also to your telecom service provider, as may be applicable from time to time. ABMUL cannot be held responsible for non-delivery or delay in delivery of SMS to your mobile phone/handset. ABMUL reserves the right to deny access of the Website/Mobile App or Service and Information to anyone, at its sole discretion. Certain Services and Information could be offered by ABMUL’s group or associate companies. Such Services and Information will be as per the terms and conditions agreed by and between you and such other group or associate companies and ABMUL shall in no way be liable or responsible in this regard.

The usage of the Website/Mobile App is exclusively subject to the laws of India and the jurisdiction of the courts of Mumbai in India. ABMUL expressly disclaims any implied warranties or liabilities imputed by the laws of any other jurisdiction. This Website/Mobile App is specifically for users in the territory of India, though access to users outside India is not specifically denied.

Last updated: October 15th 2018