Disclaimer

· Visitors to this website are bound by the following terms and conditions so please read the following terms carefully before continuing to use this site if you do not agree with any of these terms.
· The Services on the Website do not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
· Although Torus Digital Private Limited tries to ensure that all information and materials, whether in relation to the products, services, facilities, offerings or otherwise (hereinafter "Information") provided as part of this website is correct at the time of inclusion on the web site, it does not guarantee the accuracy of the Information. Torus Digital Private Limited makes no representations or warranties as to the completeness or adequacy or accuracy of Information and expressly disclaims liability for any errors or omissions or delays in updating this information.
· Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. No Information at this web site shall constitute an invitation to invest in any security or financial product. Any use of this website or the Information is at your own risk.
· Torus Digital Private Limited along with its directors, employees, associates or other representatives and its Affiliates along with its directors, employees, associates or other representatives shall not be liable for damages or injury arising out of or in connection with the use of the Website or its non-use including non-availability, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business; under any contract, negligence, strict liability or other theory arising out of or relating in any way to the Website, site-related services, or any products or services and claims of third parties damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from or relating to any of the services offered or displayed by Torus Digital Private Limited on the Website.
· Nothing contained herein is to be construed as a recommendation to use any product or process, in conflict with any patent, or otherwise and Torus Digital Private Limited makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise.
· The Services on the Website do not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation. These Service are not intended to be any form of an investment advertisement, advice or information and has not been registered under any securities law of any foreign jurisdiction and is only for the information of any person in any jurisdiction where it may be lawful to provide such information, otherwise the same shall not be considered an information. The distribution of this Service or content in other jurisdictions may be restricted by law and the persons who access the Service should inform themselves about, and observe, any such restrictions.
· Use of the website and its contents is at any persons, including a Customers, own risk. The data and information provided on the website is not advice, professional or otherwise, and should not be relied upon as such. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by Torus Digital Private Limited to buy or sell any securities or other financial instruments or provide any investment advice. Torus Digital Private Limited or their employees have or may have an outstanding position or holding in the securities or other related investments of issuers and companies mentioned herein. The investments discussed or recommended in the analysis, research reports, etc. may not be suitable for all investors. Investors must make their own investment decisions based on their own specific investment objectives and financial position and using such independent professional advisors as they believe necessary. Information herein is believed to be reliable but Torus Digital Private Limited does not warrant its completeness or accuracy. The content of the articles and the interpretation of data are solely the personal views of the contributors and do not in any way reflect the views of Torus Digital Private Limited. Users are advised to use the articles and other data in the Website only as information.
· This website/information is provided to you on an "As is" and "Where-is" basis, without any warranty. Torus Digital Private Limited, for itself and any third party providing materials, services, or content to this website, makes no representations or warranties, either express, implied, statutory or otherwise of merchantability, fitness for a particular purpose, or non-infringement of third party rights, with respect to the website, the information or any products or services to which the information refers. Torus Digital Private Limited will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site, even if Torus Digital Private Limited has previously been advised of the possibility of such damages.
· BSE Limited, Mumbai is not any manner answerable, responsible or liable to any person or persons for any acts of omission or commission, errors, mistakes and / or violation, actual or perceived, by us or our partners, agents, associates etc., of any of the Rules, Regulation, Bye-laws of BSE Limited, Mumbai, SEBI Act or any other laws in force from time to time. BSE Limited, Mumbai is not answerable, responsible or liable for any information on this Website or for any services rendered by us, our employees, and our servants.
· This research based service ("the Service") is provided by Torus Digital Private Limited and its group companies and can be availed on specific request or subscription by any person intending to access the service ("Users"). It is the responsibility of the User to ensure that his computer has the necessary capability and configuration to receive and/or access the Service. If you do not agree to any of the following terms and conditions, you are requested to exit and not access or avail the Service.
· The Service is for information purposes only. Torus Digital Private Limited makes no representations or warranties regarding the accuracy, completeness or reliability of any information provided. Torus Digital Private Limited assumes no responsibility for errors or omissions in the Service. Users should conduct their own research before acting on any information received through the Service. Torus Digital Private Limited shall not be responsible or liable for any losses, costs, expenses, charges, including notional losses/lost opportunities incurred by a User as a result of acting or non acting on any information/material received through the Service. All information that may be provided on this Service or part thereof shall be on an "as is" basis and as provided by Torus Digital Private Limited and its group companies from time to time.
· Torus Digital Private Limited shall not be held responsible or liable for any interruption to the Service resulting from breakdown of communication network, non-availability of Service due to technical defects, or other infrastructure related issues. Torus Digital Private Limited shall not be held responsible or liable for non-access or limited access to the Service.
· Basket Order is a tool which enables a customer to invest in stocks forming a Portfolio at its own discretion. This product is not a PMS or Investment Advisory it is purely an order facilitator which will allow the investor to buy/sell stocks in one click, instead of entering multiple orders for buying/selling such stocks.
· All information/material provided as part of the Service shall be for personal use of the Users and not for commercial use. No User shall distribute, disseminate or part with any information/material received from the Service to any person or entity whether in oral, written, electronic or digital form.
· It is expressly agreed by the User that exclusive jurisdiction for any dispute with Torus Digital Private Limited resides in the courts at Mumbai and the User expressly consents to the exercise of jurisdiction in the courts of Mumbai in connection with any such dispute. These terms shall be governed by and construed in accordance with the laws of India.
· All investments and investment related decisions are at the sole discretion of the User.
· The views, charts, trading calls and investment calls expressed/given by investment experts or analysts or persons claiming to be domain experts on the Service are their own, and not that of Torus Digital Private Limited or its management. Torus Digital Private Limited advises Users to check with certified experts before taking any investment decision. Torus Digital Private Limited does not guarantee the accuracy, adequacy or completeness of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information or the Service. Torus Digital Private Limited especially states that it has no financial liability whatsoever to any User on account of the use of information/material provided as part of the Service.
· Users are advised to understand that the Service can fail due to failure of hardware, software, mobile and Internet connections. While Torus Digital Private Limited will endeavour that the Services are accessible at most times, the access to the Service is the responsibility of the User or his internet service provider. Service may be delayed and/or not available to the User on certain days, owing to technical reasons, and Torus Digital Private Limited and/or its employees, officers, and directors and/or Torus Digital Private Limited shall not be held responsible for the same.
· Trading in stocks, stock derivatives, currency derivatives, interest rate derivatives, commodities and commodity derivatives, and the like is inherently risky and User agrees to assume complete and full responsibility for the outcomes of all trading decisions that User makes, including but not limited to loss of capital. None of the information made available on the Service should be construed as an offer to buy or sell securities, commodities or derivatives or other financial instruments nor advice to do so. User should not construe any information provided through the Service to constitute investment advice. It is purely informational in nature.
· The User may use the information as a resource only to further his own research on all featured companies, stocks, commodities, sectors, markets and information received. Nothing disseminated through the Service should be considered as investment advice.
· All investments and investment products are subject to governmental, regulatory and relevant Exchange rules, regulations and guidelines and other applicable statutes.
· Any contests/promotions featured as part of the Service shall be subject to their own rules, and regulations and Users shall be bound by the same.
· Internet usage charges shall apply.
· Mutual fund investments are subject to market risks.
· Insurance is the subject matter of solicitation.
· Past performance may not be an indicator of future returns.
· These terms are subject to change without prior notice.
· By subscribing to the Service either electronically or otherwise, the User agrees to these terms and amendments thereto.
·The Service may be withdrawn or discontinued without prior notice.
· By accepting these terms and/or accessing the Service, User consents to receive advertising or promotional material in electronic form or otherwise whatsoever.
· Torus Digital Private Limited does not accept any responsibility or liability for any advertising or promotional material that may be received by the User as part of the Service and the same lies specifically with the advertiser.
· Torus Digital Private Limited does not accept any responsibility or liability or guarantee the performance or merchantability of any product or services offered by any party pursuant to any advertisement or promotional material that may be received by the User as part of the Service and the same lies specifically with the advertiser.
· This Service is specifically for Users in the territory of India. Although access may be available to Users outside India, though not expressly granted, Torus Digital Private Limited shall have no legal liabilities whatsoever in any laws of any jurisdiction other than India.
· The Service contains material, including text, graphics and sound, which is protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in this material are either owned by Torus Digital Private Limited or have been licensed to Torus Digital Private Limited by the owner(s) of those rights so that it can use this material as part of this service or are owned by Torus Digital Private Limited. Each party retains copyright on its own Information, including text, graphics and sound and all trademarks displayed on this service are owned by Torus Digital Private Limited and/or used under license by Torus Digital Private Limited affiliates.
· The information set out in the report, if any made available has been prepared by the author based upon information available to him and/or made available to him and/or from information available in the public domain. No independent verification has been made of such information or sources. This report is for information purposes only. It has not been prepared with regard to the specific investment objectives, financial situations and/or particular needs of any specific person who may receive this report. Investors should seek advice from Financial Advisors/Certified Financial Planners/Financial Experts before investing their funds or acting on any investment strategies that may have been discussed or recommended in this report. No reliance may be placed for any purpose whatsoever on the information contained in this report or on its completeness. Readers should make appropriate enquiries before investing in any product or services.
· Torus Digital Private Limited does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything that is included in the report. The recipient/investor shall solely be responsible for losses, damages, costs and other consequences resulting directly or indirectly from using any information made available in the report. Torus Digital Private Limited shall not be responsible for any acts of omission or commission made by readers or investors based on reliance upon the contents of the report.
· The report does not constitute nor is it intended to constitute an offer to buy or sell or a solicitation to an offer to buy or sell securities or derivatives or mutual fund units or any financial products or an attempt to influence the opinion or behavior of investors or recipients. The views expressed herein may not necessarily be the views of Torus Digital Private Limited , its directors, officers, or employees.
· Neither this report nor Torus Digital Private Limited has been registered in any jurisdiction. The distribution of this report in certain jurisdictions may be restricted or prohibited and accordingly, persons who come into possession of this report are required to inform themselves about, and to observe, any such restrictions. Mutual fund investments are subject to market risks. Please read the offer documents carefully before investing.
· The information in this report reflects prevailing conditions as of date of publication and is subject to change from time to time. Any facts or figures mentioned in this report are merely indica
· The information contained in this report may not be transmitted to, copied or distributed, in part or in whole, to any other person or to the media or reproduced in any form, without the prior written consent of Torus Digital Private Limited.
· Note: We, Torus Digital Private Limited, along with all our group companies, subsidiaries, associates, affiliates, employees and executors take no responsibility and accept no liability for any relationship that may develop on the basis of content/reports displayed on the website.

Contract of Insurance is between the Insurance Company and the insured / policyholder.

1. Torus or its group companies, subsidiaries, associates, affiliates do not underwrite the risk or act as an insurer.
2. Life / General (Non-Life) insurance products are offered & underwritten by respective insurance company issuing the insurance policies.
3. Participation by the Company’s customers in any insurance product is optional, purely on a voluntary basis and a commercial bipartite arrangement between the customer and the respective insurance company.
4. For further details on all the conditions, exclusions related to any product, please read the sales brochure before concluding sale.
5. GST applicable will be charged over and above the quoted premium.

Note: Investments in securities market are subject to market risks. Read all the related documents carefully before investing.

1. Beware of Spurious Phone Calls and Fictitious /Fraudulent Offers:
2. IRDAI clarifies to Public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums.
3. IRDAI does not announce any bonus.
4. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call and number

Disclaimer of Warranties, Inaccuracies or Errors

· Although Torus Digital Private Limited tries to ensure that all information and materials, whether in relation to the products, services, facilities, offerings or otherwise (hereinafter "Information") provided as part of this website is correct at the time of inclusion on the web site, it does not guarantee the accuracy of the Information. Torus Digital Private Limited makes no representations or warranties as to the completeness or adequacy or accuracy of Information and expressly disclaims liability for any errors or omissions or delays in updating this information.
· Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. No Information at this web site shall constitute an invitation to invest in any security or financial product. Any use of this website or the Information is at your own risk.
· Torus Digital Private Limited along with its directors, employees, associates or other representatives and its Affiliates along with its directors, employees, associates or other representatives shall not be liable for damages or injury arising out of or in connection with the use of the Website or its non-use including non-availability, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property (including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business; under any contract, negligence, strict liability or other theory arising out of or relating in any way to the Website, site-related services, or any products or services and claims of third parties damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from or relating to any of the services offered or displayed by Torus Digital Private Limited on the Website.
· Nothing contained herein is to be construed as a recommendation to use any product, service or process, in conflict with any patent, or otherwise and Torus Digital Private Limited makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise.
· The Services on the Website do not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation. These Service are not intended to be any form of an investment advertisement, advice or information and has not been registered under any securities law of any foreign jurisdiction and is only for the information of any person in any jurisdiction where it may be lawful to provide such information, otherwise the same shall not be considered an information. The distribution of this Service or content in other jurisdictions may be restricted by law and the persons who access the Service should inform themselves about, and observe any such restrictions.
· Use of the website and its contents is at any persons, including a Customer’s, own risk. The data and information provided on the website is not advice, professional or otherwise, and should not be relied upon as such. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by Torus Digital Private Limited to buy or sell any securities or other financial instruments or provide any investment advice. Torus Digital Private Limited or their employees have or may have an outstanding position or holding in the securities or other related investments of issuers and companies mentioned herein. The investments discussed or recommended in the analysis, research reports, etc. may not be suitable for all investors. Investors must make their own investment decisions based on their own specific investment objectives and financial position and using such independent professional advisors as they believe necessary. Information herein is believed to be reliable but Torus Digital Private Limited does not warrant its completeness or accuracy. The content of the articles and the interpretation of data are solely the personal views of the contributors and do not in any way reflect the views of Torus Digital Private Limited. Users are advised to use the articles and other data in the Website only as information.
· THIS WEBSITE/INFORMATION IS PROVIDED TO YOU ON AN "AS IS" AND "WHERE-IS" BASIS, WITHOUT ANY WARRANTY. TORUS DIGITAL PRIVATE LIMITED , FOR ITSELF AND ANY THIRD PARTY PROVIDING MATERIALS, SERVICES, OR CONTENT TO THIS WEBSITE, MAKES NO REPRESENTATIONS OR WARRANTIES, EITHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS, WITH RESPECT TO THE WEBSITE, THE INFORMATION OR ANY PRODUCTS OR SERVICES TO WHICH THE INFORMATION REFERS. TORUS DIGITAL PRIVATE LIMITED WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, ARISING FROM OR CONNECTED WITH THE SITE, INCLUDING BUT NOT LIMITED TO, YOUR USE OF THIS SITE OR YOUR INABILITY TO USE THE SITE, EVEN IF TORUS DIGITAL PRIVATE LIMITED HAS PREVIOUSLY BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.