Introduction

Welcome to Philanzel (“Site”). This website is owned and operated by Philanzel and its subsidiaries/parent, associates, affiliates, and group companies (“Philanzel Group”).

Please read these Terms of Use carefully before using the Website. By accessing or using this Site, you agree to be bound by these Terms and Conditions. If you do not agree to all of these Terms of Use, do not use the Site.

In this User Agreement (“Agreement”), “Philanzel Group” and “User” (Users of the Website) and “Visitor” (Visitors to the Website) are collectively referred to as “Parties” and individually as a “Party”. By being allowed access to the Site, you (User or Visitor) enter into the Agreement under the terms and conditions set forth hereunder. This Agreement is for an indefinite term. Subject to the terms contained herein, either Party can terminate this Agreement for any reason, provided that such termination shall be conditional upon, including but not limited to, the discharge of all contractual and statutory obligations.

Consent

By accessing and using the Site, you consent to the collection and use of your data as described in our Privacy Policy. You also agree to abide by the terms and conditions outlined in this document.

Disclaimer of Warranties and Liability

All information(s) and material(s) on the Site are provided on an "AS IS" basis, without warranties of any kind, express or implied. Philanzel Group disclaims all responsibility for any loss, injury, liability, or damage of any kind resulting from and arising out of, or any way related to:

• Any errors or omissions in the Site content, including technical inaccuracies and typographical errors
• Third-party websites or content accessed via links, including errors or omissions therefrom
• Your use or inability to use the Site

Under no circumstances will Philanzel Group and/or any of its directors, employees, or representatives accept any liability for any direct or consequential loss arising from the use of the information/data, material contained on the Site.

While Philanzel Group takes due care in presenting accurate information, we do not guarantee or warrant its accuracy, completeness, or suitability for any specific purpose. We do not represent that the information downloaded from the Site is error-free or that the Site is free of viruses or harmful components.

Related to Services

Philanzel Group provides various financial and investment services. The content provided through this website is intended for informational purposes only and does not constitute financial or investment advice. We recommend seeking professional advice before making any financial decisions.

Philanzel Group is registered and regulated according to applicable laws and offers services such as portfolio management, insurance, and mutual fund distribution. However, nothing on the Site is intended to promote any product or service or solicit investments.

Limited Permission to Copy

Users or Visitors of the Site are permitted to print or download extracts from these pages for personal non-commercial use only. Any copies of these pages saved to disk or other storage media may only be used for subsequent viewing purposes or to print extracts for personal use. You may not use the content from this Site to create a database or for any commercial use without prior written permission.

Changes

Philanzel Group reserves the right to modify, add to, or change the information and content of this Agreement at any time. Any changes will be posted on the Site, and it is the Users' responsibility to review the terms regularly. Continued access and use of the Site after any such changes will constitute your acceptance of those changes.

Copyright and Trademark

All content on the Site, including text, images, graphics, logos, and trademarks, is protected by intellectual property laws and remains the property of Philanzel Group unless otherwise stated. Any infringement will be pursued to the fullest extent of the law.

Advertising Material

The Site may contain advertisements or third-party content. Advertisers are responsible for ensuring that their materials comply with applicable laws. Philanzel Group will not be liable for errors or inaccuracies in third-party advertisements, and reserves the right to alter or remove any such content.

Entire Agreement

This Agreement, including the Privacy Policy and Disclaimer, constitutes the entire understanding between the Parties and supersedes any prior agreements. No amendment to this Agreement will be valid unless made in writing.

No Third-Party Beneficiaries

This Agreement is not intended to benefit any third party. No third party shall have any rights under this Agreement.

Assignment

Philanzel Group may assign any or all of its rights and obligations under this Agreement without notice to or consent from the User.

Indemnities

By using this Site, you agree to indemnify and hold harmless Philanzel Group, its directors, officers, consultants, and employees from any claims, damages, losses, and expenses arising from your misuse of the Site.

Governing Law

This Agreement is governed by Indian laws. Any disputes arising between the Parties will be subject to the exclusive jurisdiction of the courts at Delhi, India.

Feedback or Notices

If you have any questions, comments, or notices about the Website or this Agreement, please contact us in writing at:

Philanzel

Email: [email protected]