Terms of Usage of Website

TERMS OF USAGE OF WEBSITE/WEB APPLICATION Innovage Fintech Pvt. Ltd. (‘hereinafter referred to as ‘Innovage’) owns and maintains the Website www.mponline.5nance.com (hereinafter referred to as the ‘Website/Web Application’). By browsing, accessing and/or registering on this Website/Web Application you have read understood and you accept all the terms of usage of this Website/Web Application and that you agree to be unequivocally and legally bound by this Legal Disclaimer, Terms of Usage, the Privacy Policy and the Terms and Conditions governing this Website/Web Application (collectively, called “the Governing Conditions”). Innovage reserves the right to make changes to the Website/Web Application and the Governing Conditions at any time. If any of the points in this Legal Disclaimer are found to be unenforceable under applicable law it will have no bearing on the enforceability of the rest of the terms of this Legal Disclaimer .You as a user/citizen also agree to the exclusion and limitation of liability as stated below and accept them as reasonable. The usage of the Website/Web Application or Services and Information, is entirely at your own risk. If you do not agree with any of the governing conditions, you should discontinue usage of the Website/Web Application and/or Services and Information. Your continued use of the Website/Web Application shall mean your deemed acceptance to the Governing Conditions, as modified from time to time. The Website/Web Application displays information relating to products offered by Innovage, videos, investor education related information and general information. Innovage has taken all necessary precautions to ensure that the information contained on this Website/Web Application is current, accurate and complete at the date of publication. Innovage makes no representation, warranty or guarantee(express or implied) 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 etc. provided on or through the Website/Web Application (collectively, “the Services and Information”). The Services and Information provided on or through the Website/Web Application are for general guidance and information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever. Innovage cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on, any information appearing on this Website/Web Application. The services/offers/products provided on this Website/Web Application do not constitute an offer to sell or a solicitation of an offer to buy products by any person in any jurisdiction where it is unlawful to make such an offer or solicitation. It shall be the sole responsibility of the User/citizen of this Website/Web Application to verify whether the usage of this Website/Web Application and/or availing the services/facilities/products is in conformity with the applicable laws in their respective jurisdictions. The Website/Web Application also may provide links to other related Website/Web Applications for the convenience of the User/Citizen. The Website/Web Application should be accessed only by such User/citizen who is not specifically restricted to transact through online or otherwise in the Schemes of Innovage. Services and Information are sourced from experts or third party service providers, 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/Web Application or Innovage. Any service and information provided or sourced from group/associate company are incidental. Innovage 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 Innovage. 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/Web Application 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/citizens. 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/Web Application or in any Services and Information would construe Innovage 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/Web Application are not meant to be an endorsement or offering of any stock or investment advice. These are meant for general information only. Innovage 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 Innovage, or any other third party which may be engaged in offering of these services. 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 Website/Web Applications 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. Innovage is not responsible for any errors or omissions or for the results obtained from the use of the Website/Web Application or Services and Information. Innovage disclaims all liability of whatever nature, to any user/citizen, on account of the use of the Website/Web Application or Services and Information. In no event shall Innovage 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. Innovage/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/Web Application, or otherwise using the information available on this Website/Web Application in any manner. Before accessing any service/facility by Innovage that may be offered, the User/Citizen is requested to accept the terms and conditions of such service/facility separately and agree to be bound by the same. The User/Citizen of this Website/Web Application may download materials, data etc. displayed on the Website/Web Application for non-commercial and/or personal use only. The User/Citizen may not, however, distribute, modify, transmit, reuse, report, or use the contents of the Website/Web Application for public or commercial purposes, including the text, images, audio and video without Innovage’s written permission. The User /citizen shall not delete, modify and/or otherwise interfere with copyright or other intellectual property rights displayed on the Website/Web Application. The User/Citizen may access the financial product’s documents, schemes, applications including SID, SAI, notices etc. uploaded on the Website/Web Application. The User is requested to refer to the disclaimers for each scheme/product/facilities/services at the relevant pages and consult their independent professional and tax advisors before investing. Reports, data, video clippings, and/or information displayed on the Website/Web Application are for information purposes only. Some of the reports, information and data displayed on the Website/Web Application may be provided by third parties. Innovage makes no representations of any kind whatsoever about the content of any such Website/Web Application that the User/citizen may access through this Website/Web Application. The User/citizen is advised to read the terms and conditions/disclaimers of such Website/Web Application that may be accessed by the User/citizen. Innovage advises the User/citizen also to confirm the accuracy of any such information before seeking to rely on such information. Innovage disclaims all liability that the User/citizen may incur as a result of relying on any such reports/information and/or accessing any other Website/Web Application and/or any third party content that may be accessed from the Website/Web Application. Despite all possible security measures that Innovage takes to keep the Website/Web Application free from hacking and other interference, the Website/Web Application like any other Website/Web Application is not entirely free from such risks. Innovage disclaims all liability on account of any loss or damage that the User/citizen may suffer or incur on account of any alteration or manipulation of any data or information that may be accessed or downloaded from the Website/Web Application and/or the transmission, through the use of the services or information of a computer virus, other computer code or programming device that might damage, corrupt, deactivate, disable, disrupt, or otherwise impede in any manner such services or any of the User’s/citizen’s software, hardware, data or property. Innovage shall not be liable for the correctness, accuracy or reliability of the data and/or uninterrupted/ error free provision of the service.

Innovage, its directors, employees, agents will not be responsible for any liability in respect of any person/entity directly or indirectly suffering any consequential losses, damages or claims of whatsoever nature in contract, tort or otherwise as a result of any short-coming, defect or inaccuracy inadvertently creping in the Website/Web Application and/or otherwise using the information available on the Website/Web Application in any manner. Innovage may at any time discontinue and/or amend the terms and conditions of the services/facilities offered on the Website/Web Application. Copyright, patent, trademark and/or other intellectual property rights in this Website/Web Application and the information/data contained herein are owned by Innovage, or relevant third party content providers. Except as expressly permitted by Innovage, the User/citizen may not reproduce, transmit, sell, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit such information/data/materials or any of the services provided in any manner. It is to be distinctly understood that the products being offered on this Website/Web Application have not been recommended by Innovage. Compliance with Laws The User/citizen undertakes to comply and be bound by all applicable laws and statutory requirements in India. Any dispute arising out of the use of this Website/Web Application and/or any of the services/products/facilities offered shall be subject to the exclusive jurisdiction of the Courts in Mumbai, India. Password Protected Areas Access to and use of password-protected and/or secure areas of the Website/Web Application are restricted to authorized users/ citizen’s only. The User/citizen should not obtain or attempt to obtain unauthorized access to such parts of the Website/Web Application.