Terms of Use and Policies

By access to Yourfinancebook.com (the “site”), use of the site, closing this page, scrolling this page, clicking a link or continuing to browse, you agree to our terms of use and disclaimer clause on the site. If you do not wish to be bound by these terms and conditions, you may not access or use the site.

As used in this Agreement “yourfinancebook.com,” “We,” “Us,” or “Our” refers to Yourfinancebook.com, its members and designers/developers. “You” or “Your” refers to you, the user of the Site.

Terms of Use

All the terms set here are presented in english language and it is the sole responsibility of the user to understand these terms accurately in the language he/she understands. 

You must read, understand and agree with and accept all of the terms and conditions contained in this Terms of use and policies page, which include those terms and conditions expressly set out below and those incorporated by reference, before you use this website.

We strongly recommend that, as you read this Agreement, you also access and read the information contained in other pages/websites referred to in this document, as they may contain further terms and conditions that apply to you as a user/customer at this site.

Yourfinancebook.com reserves the right to modify these terms and conditions of use at any time by posting new terms of use on our site and such modifications shall be effective immediately upon posting of the modified agreement on the site. 

You agree to review the terms of use page periodically to be aware of such modifications and your continued access or use of the site shall be deemed your conclusive acceptance of the modified agreement.

We reserve the right to change terms of use at any time. In case, any modification to the terms of use is unacceptable to you, your only recourse will be to terminate this agreement. In case you continue to access any of our services after that time you will be deemed to have accepted any change.

Further, Yourfinancebook.com reserves the right to change or discontinue specific functionality from time to time, which will be posted on the website.

The Site is not intended for users under 18 years of age. If you are under 18, do not use the Site and do not provide us with any personal information.

We make no claims that the Site or any of its content is accessible or appropriate outside India. Access to the Site may not be legal by certain persons or in certain countries. If you access the Site from a place outside India, you do so on your own initiative and are responsible for compliance with local laws.

Disclaimer

We have a difference page for legal disclaimer. We encourage you to read it, here.

Privacy Policy

Our Privacy Policy contains further information about how data is collected, used and made available on or by our Site. We encourage you to read it, here.

Comment Policy

We allow our readers to comment and express their views.

However, we should have policy in place to fight against SPAM.

If a comment or reply does not follow our policy, it will be removed from our site. Continuous abuse of the policy will result in permanent ban of the IP address, user ID, domain and the email used.

We do not allow;

  • keyword stuffed in the name field, topics and/or in the description section.
  • Invalid email ID.
  • offensive or inappropriate language.
  • SPAM comments.
  • Adding unnecessary links not relevant to the discussion.
  • Personal attack.

Out site reserves the right to edit, delete, move or mark as spam any and all comments. 

We also have the right to block access to any one or group from commenting or participating on any discussion from the entire website.

Retention & Backup Policy

The logs and user data would be retained as a backup in our server for a limited period, which may help not only in complying with the laws of the land but also to make sure that we maintain enough backup of user accounts, which may either be required to be restored to the server in unforeseen circumstances or to make available the information to the enforcement agencies, in case of any specific requests received in accordance with the law of the land.

In case of any technical difficulty in the system, we will have backup available with us to restore the Data to the main Server. But in case of exceptional circumstances, it cannot be assured that we will always have at all times backup available with us.

You understand that in no case, yourfinancebook.com can be held responsible for loss of data in any circumstances, as data is stored upon an external server, maintained by our technical partner.

Intellectual Property

The materials used and displayed on Yourfinancebook.com including but not limited to any publications, text, illustration, content and articles are the property of yourfinancebook.com.

Other logos, product names and company names mentioned in the Site may be the trademarks of their respective owners.

Unless you have been specifically permitted to do so or have a separate agreement with us, you agree that you will not use any such materials, trademark, service mark, trade name, logo in a way that is likely or intended to cause confusion about the owner or authorized user of such materials, text, marks, names or logos.

The entire contents of the site are protected by Indian and international copyright and trademark laws. The owner of the copyrights and trademarks are yourfinancebook.com, its affiliates or other third party licensors. 

You agree not to modify, copy, reproduce, republish, upload, post, transmit, retransmit, disseminate, sell, publish, broadcast, circulate or distribute, in any manner, any such material on our site without prior written permission of yourfinancebook.com. You may print and download portions of material from the different areas of the site solely for your personal and non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. 

You agree to grant to yourfinancebook.com in a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to us by all means and in any media now known or hereafter developed.

You also grant to yourfinancebook.com the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against yourfinancebook.com for any alleged or actual infringement or misappropriation of any proprietary right in your communications to yourfinancebook.com.

Grievance Officer

yourfinancebook.com shall address any grievances of users, whether registered or not, with respect to website content or any other aspects connected therewith, in a time bound manner.

For this purpose, yourfinancebook.com has designated the following person as Grievance Officer in terms of Information Technology Act 2000:

Name: CA Bigyan Kumar Mishra

Address: 2171, Tankapani Road, Bhubaneswar, Odisha, India, PIN-751014

Phone No: +91-94371-64365

Email: info.yourfinancebook@gmail.com

You can contact him between 10 A.M. to 6 P.M. local time on business days.

Prohibited use of the site

You may use Yourfinancebook.com only for lawful purposes.

You agree not to use yourfinancebook.com for any unlawful purpose which includes violation of any state, national and international law.

You also agree not to introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.

You agree not to attempt to gain unauthorized access to, interfere with, damage or disrupt any part of the site, the server on which the site is stored or any other site or database connected to the site.

As a site owner, we have the right to remove or refuse any post for any or no reason in our sole discretion.

We have the right to take legal action for any illegal or unauthorised use of the site.

We have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information related to anyone posting any material on or through the site.

If you are aware of infringing materials on the site, please send us an email to info.yourfinancebook@gmail.com with following details;

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit yourfinancebook.com to locate the material;
  • Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and if available, an electronic mail address at which the you may be contacted;
  • A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Notwithstanding the foregoing, Yourfinancebook.com does not guarantee any action based upon the receipt of such information. Enquiries not in compliance to above terms and conditions for making claims of copyright infringement will receive no response.

How to contact us

The site is owned and operated by a YFB team located at R/3, Ground Floor, 2171, Tankapani Road, Bhubaneswar, Odisha, India, PIN-751014.

In case of any feedback, comments, requests or for any other communication related to the site, you can drop an email to info.yourfinancebook@gmail.com

Any notice or other communication required or permitted to be delivered to in under this Agreement shall be in writing unless otherwise specified and shall be deemed properly delivered, when sent to our registered email. Any communication shall be deemed to have been validly and effectively given, on the date of receiving such communication, if such date is a Business Day and such delivery was made prior to 18:00 hours local time, and otherwise on the next Business Day.

When you visit the Site or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. And, by special permissions, you may opt for electronic communication in communicating with us by writing to info.yourfinancebook@gmail.com.

Limitation of Liability

You expressly understand and agree that Yourfinancebook.com and affiliates, shall not be liable to you or any third person for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, resulting from, arising out of or any way related to:

a) any data or information availed or messages received or transactions entered into through or from the service;

c) unauthorized access to or alteration of your transmissions or data;

d) statements or conduct of any third party on the service; 

e) any other matter relating to the service; or

f) the deletion of, corruption of, or failure to store, any content and other communications data maintained or transmitted by or through your use of the services.

Yourfinancebook.com makes no representations whatsoever about any other website which you may access through this one or which may link to this Site. When you access any third party website please understand that it is independent from Yourfinancebook.com and that Yourfinancebook.com has no control over the content on that third party website. In addition, a link to a yourfinancebook.com website does not mean that we endorse or accept any responsibility for the content, or the use, of such website.

Indemnity

You agree to indemnify, defend and hold harmless Yourfinancebook.com, its officers, partners, employees, agents, licensors, suppliers and any third party information providers to the service from and against all losses, liabilities, claims, demands, expenses, damages and costs, including legal fees and disbursements in connection therewith and interest chargeable thereon asserted against or incurred by us that arise out of, result from, or may be payable by virtue of, any breach or non-performance of any representation, warranty, covenant or agreement made or obligation to be performed by you pursuant to these terms of service.

Further, you agree to hold us harmless against any claims made by any third party due to, or arising out of, or in connection with, your use of the website, any claim that your material caused damage to a third party, your violation of the terms of service, or your violation of any rights of another, including any intellectual property rights.

In no event shall yourfinancebook.com, its officers, partners, employees, partners or suppliers be liable to you, the vendor or any third party for any special, incidental, indirect, consequential or punitive damages whatsoever, including those resulting from loss of use, data or profits, whether or not foreseeable or whether or not we have been advised of the possibility of such damages, or based on any theory of liability, including breach of contract or warranty, negligence or other tortious action, or any other claim arising out of or in connection with your use of or access to the website, services or materials.

The limitations and exclusions in this section apply to the maximum extent permitted by applicable law.

Not a Professional Advise

The material contained on this site and on the associated web pages is general information and is not intended to be advice or a legal opinion on any particular matter. Subscribers and readers should seek appropriate professional advice before acting on the basis of any information contained herein.

Yourfinancebook.com, its members, owners, employees, agents, representatives and the authors expressly disclaim any and all liability to any person, whether a subscriber or not, in respect of anything and of the consequences of anything done or omitted to be done by any such person in reliance upon the contents of this site and associated web pages.

Every effort has been made to avoid errors or omissions. In spite of this, errors may creep in. Any mistake, error or discrepancy noted may be brought to our notice which shall be taken care of. It is notified that neither Yourfinancebook.com nor the authors nor the publishers will be responsible for any damage or loss of action to any one, of any kind, in any manner, therefrom.

It is suggested that to avoid any doubt the reader should cross-check all the facts, law and contents of the material on a website with original Government publication or notifications. Moreover, this is not any kind of advertisement or solicitation of work by a professional.

We shall not be liable for any third party product or services. The advertisement available on E-Mail or website with respect to the third party website or the products and services are for information purpose only.

Links to Third Party Sites

Yourfinancebook.com is not liable for any result that may arise from your contact, communication in any form, coordination, relation or transaction; either with advertisers, sponsors, other websites or any resources that may be hyperlinked or any third party, and you are liable for any contract/term that may or shall be established by you, with these third parties, advertisers, sponsors, other websites or resources that may be hyperlinked in the web site or any part thereof.

As a convenience, we may provide links to third-party websites from the Website. Yourfinancebook.com is not responsible for and does not endorse the informational content or any products or services available on any third-party website and does not make any representations regarding its content or accuracy.

We do not control any third party website, and we are not liable for any technological, legal or other consequences that arise out of your visit or transactions there. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites. This means that we are not your agent and will not be a party to any contract you enter.

This agreement is governed by the law of India.

Your consent to this Agreement includes your consent to jurisdiction and venue in the courts in Odisha, India in all disputes arising out of or relating to this Agreement. 

Yourfinancebook.com is published from/at Bhubaneswar, odisha, India (irrespective of where it is accessed from). Any matter, dispute, resolution on the website are subject to the exclusive jurisdiction of Odisha court only. All communication and notices of any kind may be sent to our Grievance Officer mentioned above. 

You consent to exclusive jurisdiction and venue in the courts of Odisha, india. You waive all defences of lack of jurisdiction, venue, or forum non-conveniens. 

Use of the Site is not authorized in any jurisdiction that does not give effect to all provisions of this Agreement. 

Yourfinancebook.com performance of this Agreement is subject to existing laws and legal process, and you agree that we may comply with law enforcement or regulatory requests or requirements notwithstanding any contrary term of this Agreement. Any cause of action or claim you may bring in connection with the Site, including without limitation any Content, must be commenced within one (1) month after the claim or cause of action arises otherwise such claim or cause of action shall be deemed to be barred. In any dispute between yourfinancebook.com and you relating to this Site, the prevailing party will not be entitled to attorneys fees, costs and expenses.

Thank You for visiting our site.