Terms and Conditions and Acceptance

• Acceptance of Terms:

  • By accessing and using the website, you confirm that you have read, understood, and agreed to be bound by these Terms.
  • This agreement applies to all services offered through the website and linked pages.

• Changes to Terms:

  • These Terms may change periodically. Any changes will be updated on the website, and your continued use of the website will be considered acceptance of those changes.

• Authorization and Sharing of Information:

  • You authorize the Facilities Provider to share your personal information with its affiliates (JFS Companies) and third parties to provide services, marketing, and other purposes.
  • By providing your contact information, you agree to receive communications related to the services, including promotional offers, even if you are on a Do Not Call list.

• One ID for JF Services:

  • You can create a unique “One ID” for managing and transacting all services with JFS Companies. If you choose not to create this ID, you will not be able to view all your products across JFS Companies on one page.

• Money For Life Planner:

  • The Money For Life Planner is a tool for assessing your financial needs based on factors like income, age, and family status. However, the results are generic and should not be considered as investment advice or a guarantee for achieving financial goals.
  • The Planner does not assure any specific investment results and is not to be used as a basis for making investment decisions without consulting a financial advisor.

• Investment Risks:

  • You are solely responsible for the risks associated with any investment decisions. JFS Companies are not liable for any losses incurred from investments made based on the Planner or any other services.

• No Fee for Website Usage:

  • The website is free to use, and no fees are charged for accessing the services.

• Consultation and Disclaimer:

  • The document advises users to read all offer documents related to investments carefully and consult financial advisors for detailed financial planning.
    
    

  • Manner of Use of Personal Information

    • All personal and sensitive personal information you provide will be stored, processed, and transmitted exclusively for the purposes or facilities indicated at the time of collection, and in accordance with the Privacy Policy.
    • This website does not collect, store, or share your personal information unless expressly indicated and agreed by you. However, the Facilities Provider may share or transmit your information to third-party service providers (referred to as “Third Party Service Providers”) to fulfill requests, authenticate transactions, provide services, or for data analytics.
    • The information shared with these third parties will be used solely for the purpose of completing or authenticating your transactions or requests, sending administrative notices, analyzing usage, or improving features and services.
    • Except as specified in the Privacy Policy, your personal information will not be disclosed to any affiliated or unaffiliated third parties.

  • Communication and Promotional Material

    • You may receive emails, SMS, phone calls, or other communications from the Facilities Provider or JFS Companies, including third-party service providers. These communications may relate to facility updates, promotional offers, or information regarding new products.
    • These communications may be sent even if your contact information is listed in a National Do Not Call Registry, provided the law allows it.

  • User Obligations

    • By accessing or using the website, you agree to comply with all applicable laws and regulations. You are also responsible for ensuring that your use of the website does not violate any intellectual property rights or harm the security and integrity of the website.
    • You shall not engage in any activity that may disrupt or interfere with the functioning of the website, including but not limited to hacking, spreading malware, or unauthorized access.

  • Indemnity

    • You agree to indemnify, defend, and hold harmless the Facilities Provider, JFS Companies, their affiliates, employees, agents, and third-party service providers from any loss, liability, claim, damage, or expense (including legal fees) arising out of or related to your use of the website, breach of these Terms of Use, or violation of the rights of any third party.

  • Term and Termination

    • These Terms of Use will remain in effect until terminated by you or the Facilities Provider. You may terminate this agreement by ceasing all use of the website and related services.
    • The Facilities Provider may suspend or terminate your access to the website at any time if they believe you have violated these Terms of Use or any applicable law. Termination of this agreement will not affect any obligations or liabilities accrued prior to such termination.

  • Governing Law and Dispute Resolution

    • These Terms of Use will be governed by and construed in accordance with the laws of India. Any dispute arising out of or in connection with these terms shall be resolved through arbitration in accordance with the rules of the Arbitration and Conciliation Act, 1996. The venue for arbitration shall be in New Delhi, India.
    • If a dispute cannot be resolved through arbitration, it will be brought before the appropriate courts in New Delhi.

  • Severability

    • If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision will be modified to reflect the intention of the parties as closely as possible while remaining enforceable.

  • Waiver

    • No waiver of any of the provisions of these Terms of Use shall be deemed a waiver of any other provision, and any failure by the Facilities Provider or JFS Companies to enforce any right or provision under these Terms of Use will not constitute a waiver of such right or provision.

  • Entire Agreement

    • These Terms of Use, together with any policies or operating rules posted on the website, constitute the entire agreement between you and the Facilities Provider concerning the use of the website and services. This agreement supersedes all prior or contemporaneous communications, whether electronic, oral, or written, between you and the Facilities Provider.

  • Contact Information

    • If you have any questions or concerns about these Terms of Use, please contact the Facilities Provider through the contact details provided on the website.
      
      

    • Use of Website in India

      • This Website is controlled and operated from India, and there is no representation that the materials or information on this Website are appropriate or will be available for use in locations outside India. If you use this Website from outside India, you are solely responsible for compliance with all applicable local laws. The Facilities Provider and JFS Companies do not guarantee that a user in one region can access the facilities of this Website in another region.
      • Information on the Website may contain references or cross-references to products, programs, and facilities offered by JFS Companies or third parties that are not available or announced in your country. Such references do not imply an intention to offer such products or services in your country. You are encouraged to consult with local advisors for information about products, services, and facilities available in your region.

    • Correspondence with Third Parties

      • In using the Website, you may engage in correspondence with, purchase goods and/or facilities from, or participate in promotions of advertisers, members, or sponsors of the Website, including those from JFS Companies. Unless otherwise stated, any correspondence, advertisement, purchase, or promotion, including the delivery of and payment for goods and/or services, is solely between you and the applicable JFS Companies or third parties.
      • The Facilities Provider or JFS Companies have no liability, obligation, or responsibility for any such interactions between you and other parties.

    • Third-Party Websites

      • This Website may include links to external websites (including those of JFS Companies) that are not under the control of JFS Companies. These links are provided solely for convenience, and their inclusion does not imply endorsement or responsibility by JFS Companies.
      • You are responsible for deciding whether the products or services available through these third-party websites are suitable for your needs. The Facilities Provider or JFS Companies are not liable for the content of any third-party sites, and any information or services provided by third parties are outside the responsibility of JFS Companies.

    • One Verse

      • “One Verse” is a virtual experience platform created by JFS Companies, accessible through third-party websites. When using this platform, you must adhere to the rules and community guidelines posted on https://www.spatial.io/guidelines.
      • JFS Companies and the Facilities Provider assume no liability for any defects, unavailability, loss of content, unauthorized access, denial of service attacks, or other harmful materials that may affect your experience while using this website.

    • Postings and Monitoring

      • The Facilities Provider, JFS Companies, and their affiliates do not routinely monitor user postings on the Website, but reserve the right to do so when necessary for compliance with legal requirements or to enhance service quality.
      • You acknowledge that any information posted on the Website is for public consumption, and that the Facilities Provider or JFS Companies are not responsible for such content. If illegal activity is suspected, the Facilities Provider will cooperate fully with law enforcement authorities.

    • Submissions and Unauthorized Use

      • You are responsible for ensuring that your use of the Website does not violate any applicable laws, including copyright and privacy laws. Any breach of these laws or rights will result in you indemnifying the Facilities Provider and JFS Companies against any claims.
      • Unauthorized use or submission of materials may violate various legal statutes. In case of violations, the Facilities Provider reserves the right to terminate access to the Website immediately.

    • Use of Cookies

      • By using the Website, you consent to the automatic collection of certain anonymous data, including computer identification information from cookies, which is explained further in the Privacy Policy.

    • Facilities Changes and Discontinuation

      • The Website reserves the right to modify, suspend, or discontinue services at any time without prior notice.
      • The Facilities Provider and JFS Companies are not responsible for any damages or losses arising from these changes or interruptions, including any delays in information provision.

    • Compliance with the Law

      • You agree not to use any automated tools (e.g., robots, spiders, or scrapers) to access or monitor the Website, or transmit viruses, malware, or any harmful files.
      • You also agree not to use the Website for illegal activities or to post material that is unlawful, harassing, or infringes upon others’ rights.

    • Restrictions on Commercial Use or Resale

      • The facilities provided by this Website are personal to you, and you agree not to resell or make commercial use of these facilities.
      • Any feedback provided to the Website becomes confidential and proprietary. The Website has the right to use this feedback without limitation or compensation.

    • No Endorsements

      • The inclusion of third-party names, products, or services on the Website does not imply endorsement by the Facilities Provider or JFS Companies.
      • The Website does not endorse or sponsor any third-party content, and any external links are provided solely for convenience.

    • Promotional Offers

      • From time to time, you may receive announcements regarding promotional offers related to the Website and JFS Companies’ products and services.
      • These offers will be governed by these Terms of Use, along with any additional terms and conditions applicable to the specific promotional offer.

    • Charges for Use of Website

      • The use of this Website is free of charge, but you are responsible for any associated telephone or internet service fees.
      • If third-party service providers levy charges for their services, you are responsible for those additional charges.

    • No Endorsement of External Websites

      • The Website does not endorse or validate third-party sites linked from this Website. You are advised to use caution when browsing the internet and evaluating third-party sites.

    • Electronic Communications

      • All notices and communications regarding the Facilities may be provided electronically. You consent to receiving communications via electronic means, and this consent remains valid until you notify the Facilities Provider of your withdrawal from electronic communication.

    • Assignment

      • You are prohibited from assigning your rights and obligations under this Agreement to any other party. However, the Facilities Provider and JFS Companies may assign their rights and obligations to affiliated or group companies.

    • Legal Disclaimers

      • The information on this Website is for general guidance only and may be subject to technical errors, deficiencies, or inaccuracies. The information should not be relied upon as financial or legal advice, and any decisions should be based on independent research.

    • No Solicitation

      • The information on this Website does not constitute an invitation to invest in JFS or any JFS Companies, nor should it be construed as investment advice or a solicitation for financial decisions.

    • Force Majeure

      • Neither the Facilities Provider, JFS Companies, nor any third-party service providers will be held liable for delays or failures in performance caused by forces beyond their reasonable control, including natural disasters, technical failures, or civil disturbances.

    • Indemnification

      • You agree to indemnify and hold harmless the Facilities Provider, JFS Companies, and their affiliates from any third-party claims or liabilities arising from your use of the Website or your violation of these Terms of Use.

    • No Waiver

      • A failure by the Facilities Provider or JFS Companies to exercise any rights or remedies under these Terms of Use does not constitute a waiver of those rights, nor does it preclude future enforcement of those rights.

    • Exclusive Agreement

      • These Terms of Use represent the complete and exclusive agreement between you and the Facilities Provider, superseding any previous agreements or communications regarding the Website.

    • Termination

      • Either party may terminate this Agreement by providing written notice. Upon termination, you will no longer have access to the Website or its facilities.

    • Governing Law and Jurisdiction

      • These Terms of Use are governed by the laws of India. Any disputes will be subject to the exclusive jurisdiction of the courts in Mumbai, India.