TERMS OF USE

This Terms of User Agreement (“User Agreement”) lays out the terms and conditions for governing the user’s access and use of services on the Website/Client Desk / Mobile Application including any other sub-domain or platform which is owned, developed, managed or operated by RichVik Wealth Private Limited (“RichVik”), and/or its affiliates (hereinafter referred to as “Website”). By using or accessing the Website, using the services, the User accepts and agrees to be bound by the Terms of Use. If the User does not agree with the Terms of Use then the User may immediately exit the Website.

In terms of the Information Technology Act, 2000, this document is an electronic record, being generated by a computer system, and it does not require any physical or digital signature. Your acceptance of the terms and conditions shall be considered as your consent to use the App, the Website, the services and products (collectively referred to herein as “Services”) provided by RichVik in accordance with the terms and conditions laid down by RichVik.

This User Agreement is published in accordance with the Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that requires intermediaries to publish the rules and regulations, privacy policy and user agreement for access or usage of the intermediary’s computer resource by Users.

About RichVik

RichVik is engaged in the business of financial product distribution and allied services. RichVik is mutual fund distributor registered with AMFI. In accordance with the applicable laws, RichVik is permitted to only render incidental advice with respect to mutual fund products only to its mutual fund distribution client. For every other purpose, including distribution of non-mutual fund products, all material displayed on the Website is for informational purposes only. Further, it is not intended as investment advice or an opinion concerning securities or a public offer proving a basis for an investment decision. No material /information contained on the Website constitutes or shall be interpreted as investment advice, offer, solicitation or advertising with respect to the purchase or sale of any security and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. RichVik, may also be engaged in ‘distribution only’ of other financial and investment products, including but not limited to portfolio management products, bank and corporate fixed deposits, bonds, gold bonds, convertible debentures, debentures, national pension scheme and loan products, etc, as available/ offered on primary and secondary security markets and/or in direct arrangement with such third parties issuing/providing such products. Each of such activities is done independently. RichVik do not provide any advice with respect to such products and the activity is strictly restricted to distribution only under extant applicable laws. RichVik do not provide any investment advisory services w.r.t. such non-mutual fund products and any information provided thereof should not be relied upon while making an investment in such investment products.

Interpretation

The words, “him”, “his”, “You”, “Your”, “Client”, “User” “Investor”, “Subscriber” and “Customer” refer to the person(s) who use and avail the Services and Products of RichVik Website / App and shall include both singular and plural. All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define, limit or affect the meaning or interpretation of the terms contained herein.

These terms shall constitute a binding contract between RichVik and you when you download the App or use the services on the Website and/or the App or use its Services on any other platform managed by RichVik and shall be referred to herein as the “Agreement”. Downloading and installing the App or using the services of the Website or the App shall be deemed to constitute sufficient proof that you have read, understood and accepted these terms.

By accessing the Website, downloading the app or the usage of the services the User acknowledges to have read, understood and agrees to be legally bound by this User Agreement. RichVik reserves the right to change the terms and conditions at any time, without any notice. User’s continued use of the Website after the changes to the Terms are made shall be considered as acceptance from User for the changes.

This User Agreement contains important information regarding the Services that RichVik will provide to you, and for your own protection, the Users must read them carefully before accepting the same. If you do not agree to these terms contained herein, you must not proceed to use the Website, App or use the Services provided on the Website or App.

This User Agreement must be read in consonance with the privacy policy document or other such documents as may be applicable to a particular account/service/situation/circumstance/transaction.

Any reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force.

Without prejudice to any other specific requirement which may be laid out in this User Agreement and your use of the Website and the Services and specifically, your acceptance of these terms and conditions contained herein shall be deemed to be a representation from you that you are above 18 years of age, or possess legal parental or guardian consent, and are fully able, conscious and competent to enter into this User Agreement and make your investment decisions, execute the investment transactions, evaluate the advice, if any, and confirm to abide by and comply with the terms set forth herein. The User agrees that any transactions carried out through the Website shall be subject to the provisions contained in the respective Scheme Information Documents and/or Statement of Additional Information and/or Key Information Memorandum, as and when updated by relevant addenda.

Usage/Registration / Enrolment and Termination

The Users shall only be allowed to avail the Services on the Website after the User completes the KYC, Investment Readiness and Information Verification process and provides the complete personal information in accordance with the Know Your Client (“KYC”) guidelines issued by the Securities and Exchange Board of India (“SEBI”) and/or any other regulatory / government agencies or authorities from time to time.

RichVik may use your personal information and in order to provide services to you, your personal information may be processed or transferred or disclosed to and/or by third parties like AMC’s, statutory bodies or agencies, or third-party service providers & partners etc wherever necessary to enable us to provide better services to you. With your consent, your personal information consolidated during your usage of the Website / App/ services of RichVik may be used in order to provide you with information, user experience and marketing materials in relation to other products and services. By entering into this User Agreement, you agree to provide your consent for your personal information to be processed for these additional purposes. If you do not agree with the terms of this User Agreement, we suggest you do not sign-up or avail of any Services offered by RichVik.

By registering with RichVik or by enrolling as its customer, either as a sub-distributor or as an end investor, directly or indirectly through its sub-distributors, you certify that the information you may provide, now or in the future, is accurate. RichVik reserves the right, in its sole discretion, to deny you access to the Website or any portion thereof without notice for the following reasons:

immediately by RichVik for any unauthorized access or use by you.

immediately by RichVik if you assign or transfer (or attempt the same) any rights granted to you under this User Agreement or any Client Agreement or any Sub-broker Agreement that you may have entered with RichVik;

immediately, if you violate any of the other terms and conditions of this Agreement The termination or cancellation of this Agreement shall not affect any right or relief to which RichVik may be entitled to, at law or in equity. Upon termination of this Agreement, all rights granted to you will terminate and revert to RichVik. Except as set forth herein, regardless of the reason for cancellation or termination of this User Agreement, the fee charged if any for access to RichVik is non-refundable for any reason.

Licence

RichVik hereby grants you a limited, non-exclusive, non-assignable and non-transferable licence to access the Website provided and expressly conditioned upon your agreement that all such access and use shall be governed by all the terms and conditions set forth in this Agreement.

NOT an Investment Advice

The information on the Website is provided for information only and does not constitute, and should not be construed as, investment advice or a recommendation to buy, sell, or otherwise transact in any investment including any products or services or an invitation, offer or solicitation to engage in any investment activity. The information on the Website is provided solely on the basis that you will make your own investment decisions and RichVik does not take account of any investor’s investment objectives, particular needs, or financial situation. In addition, nothing on this Site shall, or is intended to, constitute financial, legal, accounting or tax advice. It is strongly recommended that you seek professional investment advice before making any investment decision. Any investment decision that you make should be based on an assessment of your risks in consultation with your investment adviser.

Investment Risks

There are significant risks associated with an investment in any products or services provided by RichVik. Investment in the products and services is intended only for those investors who can accept the risks associated with such an investment (including the risk of a complete loss of investment) and you should ensure you have fully understood such risks before taking any decision to invest. These Terms do not represent a complete statement of risk factors associated with an investment in any of the products. The offering documentation contains risk warnings which are specific to the relevant products. You should consider these risk warnings carefully and take appropriate investment advice before taking any decision to invest.

Proprietary Rights, Copyrights & no retransmission of information:

All rights, title and interest in the Website and any content, as well as the design and information contained in the Website contained herein, is the exclusive property of RichVik, except as otherwise stated. RichVik is the sole owner of all the intellectual property including all rights in trademarks, marks, logos, symbols, copyright works, reports, diagrams, patents, designs created or held in the Products, Services, websites etc including but not limited to the domain names, the source codes, the database etc.

No material /information contained on the Website constitutes or shall be interpreted as investment advice, offer, solicitation or advertising with respect to the purchase or sale of any security and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever.

The Website is only for your personal and non-commercial use and for no other purpose. Nothing in this Agreement shall be construed as transferring or assigning any such ownership rights to you or any other person or entity. The content of the Website cannot be amended, copied, reproduced, replicated, republished, uploaded, posted, published, transmitted, displayed or distributed for any non-personal use without obtaining prior written permission from RichVik. You may not perform, licence, frame, create derivative works from, or otherwise use in any other way for commercial or public purposes in whole or in part any information, reports & formats thereof, presentations of reports, software, products or services obtained from the Website, except for the purposes expressly provided herein, without RichVik’s prior written approval. You may not resell, reproduce, redistribute, broadcast or transfer the information or use the information in a searchable, machine-readable database unless separately and specifically authorized in writing by RichVik prior to such use. You may not rent, lease, sublicense, distribute, transfer, copy, reproduce, publicly display, publish, adapt, store or time-share the Website, any part or format thereof, or any of the information received or accessed there-from to or through any other person or entity unless separately and specifically authorized in writing by RichVik prior to such use. In addition, you may not remove, alter or obscure any copyright, legal or proprietary notices in or on any portions of the Website without prior written authorization except as set forth herein, any other use of the information contained in the Website requires the prior written consent of RichVik and the RichVik’s logo referenced herein are trademarks and service marks of RichVik. The names of other companies and third-party products or services mentioned herein may be the trademarks or service marks of their respective owners.

You are prohibited from using any marks for any purpose including, but not limited to, use as metatags on other pages or sites on the World Wide Web without the written approval of RichVik or such third party, which may own the marks. The users of the Websites have no right to use the Intellectual Property in any manner whatsoever except to the extent expressly permitted by RichVik. The users of the Websites agree to treat as confidential and privileged all information supplied or received and will not divulge or disclose the same to any third party, except to those authorised by RichVik in writing. The users further agree not to use any such information to the detriment of RichVik any other entity in any way whatsoever, at any time. The users agree not to make copies of any such confidential information or any part thereof except for their personal consumption within the terms of this agreement. RichVik reserves the right to terminate the accounts of Users / Customers / Partners, who violate the proprietary rights. In addition, in case of any act in actual or intentional breach of these terms, directly or indirectly, by any means or modes, you will be liable for actual and punitive damages as determined by RichVik and additional damages to be determined by an Indian court of Law.

Security

Unauthorized use of RichVik’s Website and systems, including but not limited to, unauthorized entry into RichVik’s systems, online accounts, etc., or the misuse of passwords or misuse of any other information, is strictly prohibited. You may not use the Website in any manner that could damage, disable, overburden, or impair any RichVik’s site or service or interfere with any other party’s use and enjoyment of any RichVik’s site, service or online accounts. You may not attempt to gain unauthorized access to any of our site or service and computer systems or networks connected to it, through hacking. You agree that you will not engage in any activities related to the Website that are contrary to the applicable laws or regulations in force.

The users of online accounts have the primary responsibility to keep their login-ids and passwords secure and to not display such crucial, important information to any third person. In case of any such leak of login-id & password, RichVik shall not be held responsible for the loss of such information, or for any act of omission or commission or for any consequences, damages, claims, loss of personal information or for any action, transaction, instruction, etc w.r.t. to any security, investment product or otherwise, or any alteration in personal information or admin rights, etc., arising from the use of such leakage of login-ids and passwords.

RichVik may use certain technology on its Websites to collect information from visitors and may compile aggregate statistical information about how visitors use its Websites, including information relating to the frequency of visits, the average length of visits, which pages are viewed during a visit. RichVik uses this information to improve its Website content and performance. No individually identifiable information is collected for this purpose, and RichVik does not monitor individual visitor behaviour. RichVik does not represent or warrant that the Website will be available and meet your requirements, that access will not be interrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.

RichVik do not provide and are also not authorised to provide any opinion, recommendations, analysis, etc. on any client’s consolidated or multi-product portfolio, except limited to only mutual funds. However, clients may be presented with consolidated of their investments, financial holdings, including but not limited to the details of current holdings, historical data, profit & loss info, returns & performance details, key observations/highlights, consolidated asset allocation, account info, other factual representations, either in summary, detailed in any suitable format, etc, which should not be interpreted as investment advice whatsoever.

General Information

All material on the Website accessible without the use of any login, including but not limited to all information, online tools, articles, publications, literature, interviews, mutual fund reports, third-party reports, research insights, etc, are freely available to the public. Nothing shall be construed as investment advice or any client-specific recommendations. Please note that the views expressed, if any, in any of these materials on the Website, are to be interpreted as general comments in good faith in regard to trends in the financial or securities market or the economic situation and such views are not specifically in the context of any particular security or investment product and hence, such communication should not be treated as investment advice. RichVik shall not be held responsible for any views, personal opinions or data shared by third-parties being interviewed /quoted and published in any format on the Website and that the same shall be considered as personal views/opinion of such third-parties. Further, RichVik does not claim responsibility for reports, publications released by third parties and RichVik’s role is limited to only serve as a platform to share them with the public in good faith.

Service Delays

RichVik reserves its right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on the Website and to suspend and/or deny access to the Website for scheduled or unscheduled maintenance, upgrades, improvements or corrections. RichVik may discontinue or change any product or service or online user accounts described in or offered on its Website or in any modules or parts thereof at any time if deemed fit and proper. RichVik (including its directors, employees, affiliates, agents, representatives or subcontractors) shall not be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone internet connection problems, pandemic, defects, weather, strikes, walkouts, fire, riots, armed conflicts, acts of war, or other like causes. RichVik shall have no responsibility to provide you access to the Website while interruption of the Website is due to any such cause as mentioned above shall continue.

Liability Disclaimer:

YOU EXPRESSLY AGREE THAT THE USE OF THE WEBSITE IS AT YOUR SOLE RISK The information and materials on the Website may contain typographical errors or inaccuracies. Any dated information is published as of its date only with due care, and RichVik does not undertake any obligation or responsibility to update or amend any such information. The information, products and services on this Website are provided on an “AS IS, WITH ALL FAULTS”, “WHERE IS” and “WHERE AVAILABLE” basis. RichVik does not warrant the information or services provided herein or your use of this Website generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. RichVik will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you on this Website. Although the information provided to you on this Website is obtained or compiled from sources we believe to be reliable, RichVik cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither RichVik, nor any of its affiliates, directors, officers or employees, nor any third party vendor, or associates, groups, Partners or other sub-brokers, will be liable or have any responsibility of any kind for any loss or damage or compensation that you may incur in the event of any failure or interruption of this Website, or resulting from the act or omission of any other party involved in making this Website, the data contained herein or the products or services offered on this Website available to you, or from any other cause relating to your access to, inability to access, or use of the Website these materials, whether the circumstances giving rise to such cause may have been within the control of RichVik or of any vendor providing software or services.

Under this Agreement, you assume all risk of errors and/or omissions in this Website, including the transmission or translation of information. You assume full responsibility for implementing sufficient procedures and checks to satisfy your requirements for the accuracy and suitability of this Website, including the information, and for maintaining any means, which you may require, for the reconstruction of lost data or subsequent manipulations or analyses of the information under the User Agreement.

YOU AGREE THAT RICHVIK (Including its and their officers, directors, employees, affiliates, group companies agents, representatives or subcontractors) shall not, in any event, be liable, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or other damages of any kind arising out of the use or inability to use the Website for any purpose whatsoever even if RichVik or any other such party has been advised of the possibility thereof. RichVik and its affiliates, officers, directors, employees and agents shall have no liability in tort, contract, or otherwise to the user and/or any third party. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labour problems or any force majeure. RichVik cannot and does not guarantee continuous, uninterrupted or secure access to this Website.

No warranty is given that the contents of the Website are compatible with all computer systems or browsers or that this Website shall be available on an uninterrupted basis. RichVik does not accept any liability for any damages or losses arising from changes or alterations made to this Website by unauthorised third parties. The internet is not a completely reliable transmission medium and neither RichVik nor any of its affiliates accept any liability for any data transmission errors such as data loss or damage or alteration of any kind or for the security or confidentiality of information transmitted across the internet to or from RichVik or any of its affiliates. Any such transmission of information is entirely at your own risk and any material downloaded from this Website is downloaded at your own risk. The information on this Site is provided “as is”. To the extent permitted by law, RichVik, its affiliates and each of their directors, officers, employees and agents expressly exclude all conditions, warranties, representations and other terms which might otherwise be implied by statute, common law or the law of equity. In no event will RichVik or any of its affiliates be liable to any person for any indirect, special or consequential damages arising out of any use of, or inability to use, this Site or the information contained on it or on any other hyper-linked site including, without limitation, any lost profits, business interruption, loss of programs or data on your equipment or otherwise, even if RichVik is expressly advised of the possibility or likelihood of such damages. This does not affect the liability of the RichVik and its affiliates for any loss or damage which cannot be excluded or limited under applicable law.

Links to third party sites

The links in the Website will allow you to leave the Website to third-party websites. The linked websites are not under the control of RichVik. RichVik has neither reviewed nor approved these websites and is not responsible for the contents or omissions of any linked site or any links contained in a linked site. The inclusion of any linked website does not imply endorsement by RichVik of the website.

Indemnification

YOU SHALL INDEMNIFY, DEFEND AND HOLD HARMLESS RichVik (including its and their officers, directors, employees, affiliates, group companies, agents, representatives or subcontractors) from any and all claims and losses imposed on, incurred by or asserted as a result of or related to: (a) your access and use of this Website (b) any non-compliance by user with the terms and conditions hereof; or (c) any third party actions related to users receipt and use of the information, whether authorized or unauthorized. Any clause declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder. These terms may only be amended in a writing signed by RichVik. If RichVik takes action (by itself or through its associate companies) to enforce any of the provisions of this Agreement, including the collection of any amounts due hereunder, RichVik shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney’s fees and any costs of any litigation.

Force Majeure:

RichVik (including its directors, employees, affiliates, agents, representatives or subcontractors)shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of RichVik to perform any of its obligations under or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure Event and in such case its obligations shall be suspended for so long as the Force Majeure Event continues. “Force Majeure Event” means any event due to any cause beyond the reasonable control of RichVik, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

Entire Agreement:

This Agreement constitutes the entire agreement between the parties and is inclusive of any other written agreement existing between you and RichVik. By using the information on this Website, you assume full responsibility for any and all gains and losses, financial, emotional or otherwise, experienced, suffered or incurred by you. RichVik does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse in any way, the views, opinions or recommendations expressed in the Information, does not give investment advice and does not advocate the purchase or sale of any security or investment by you or any other individual. The Information is not intended to provide tax, legal or investment advice, which you should obtain from your professional advisor prior to making any investment of the type discussed in the Information. The Information does not constitute a solicitation by the information providers, RichVik or other of the purchase or sale of securities.

THE SERVICE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, RICHVIK DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. NEITHER RICHVIK NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, GROUP COMPANIES OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH COUNTRIES, THE RESPECTIVE LIABILITY OF RICHVIK, ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, GROUP COMPANIES AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE AMOUNT PROVIDED UNDER SAID LAW. FURTHER, YOU AGREE AND UNDERSTAND THAT ALL SERVICES PROVIDED ARE NON-REFUNDABLE AND THAT YOU SHOULD CAREFULLY CONSIDER WHETHER OUR SERVICES ARE ABLE TO MEET YOUR NEEDS. Transactions between users of the Website and RichVik shall be governed by and construed in accordance with the SEBI Regulations and other applicable laws of India, without regard to the laws regarding conflicts of law. Any litigation regarding this agreement or any transaction between customer and RichVik or any action at law or in equity arising out of or relating to this agreement or transaction shall be filed only in the Competent Courts of Mumbai and the customer hereby acknowledges, agrees, consents and submits to the jurisdiction of such courts for the purpose of litigating any such action.

Change of Terms and Conditions

RichVik has the absolute discretion to amend or supplement any of the terms of the Website at any time. RichVik may introduce new services or withdraw any of the existing services, whenever considered necessary. The existence and availability of the new functions will be notified to the User as and when the same become available. By using these new services, the User agrees to be bound by the applicable terms and conditions. The User shall be responsible for regularly reviewing these terms including amendments thereto as may be posted on the Website. If in the opinion of the User, the changes are to their disadvantage, the Customer may at its discretion opt to suspend the services provided by RichVik.

Jurisdiction

The usage of the Website and the terms of this User Agreement are exclusively based on and subject to Indian laws. The User hereby consents to the exclusive jurisdiction and venue of courts in Mumbai, Maharashtra, India in all disputes arising out of or relating to the use of the Website. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.