- Intellectual Property and License
- Registration
- Usage Limitations
- Service Interruptions
- Links to other Websites
- Advertisers
- Fees and Payments
- Termination
- Exepting The Terms
- Exepting The Terms
Terms & Conditions
Intellectual Property and License
This website, inclusive of its design, concept, and the encompassed information, encompassing but not restricted to textual content, visual content, graphics, images, analysis, and evaluations, stands as the exclusive property of “SFI” which is the brand name of “SOFI Financial Education Pvt Ltd”, safeguarded by copyright and trademark regulations. By the present, you are granted a limited, non-exclusive, non-assignable, and non-transferable license to access thesfi.in, contingent upon your adherence to the terms and conditions delineated in this USER AGREEMENT. You concur to abide by the laws governing copyright and intellectual property protection, along with any supplemental notices or restrictions featured on the website. The website, in tandem with its services, has been meticulously conceived, crafted, compiled, revised, and organized by SFI, its affiliates, and associates, embodying valuable intellectual property. You hereby pledge to uphold the proprietary rights of SFI and other entities possessing rights to the service, not only during the term of this agreement but also in the aftermath. Should you identify any instance of unauthorized access or utilization of the service, or any allegation pertaining to copyright, trademark, or contractual rights infringement, you undertake to promptly inform us in writing. Except in instances specifically sanctioned by the TOU, you shall refrain from copying or employing the service without the preceding written authorization from SFI.
As you engage with the service, you do not accrue any rights or licenses pertaining to the website, its services, or the material it encompasses, save for the restricted right to utilize the service in line with the parameters of the TOU. In the scenario wherein you opt to download content from the service, you must adhere to the guidelines outlined in the TOU. Moreover, these downloads are bestowed to you under license by SFI exclusively for your personal, non-commercial utilization, in accordance with the TOU. This license does not encompass the transfer of any other rights to you.
Upon submitting material to this website or to SFI, you automatically confer upon SFI an everlasting, non-exclusive, worldwide right and license across all media, existing or yet to be developed, to employ, publicize, reproduce, exhibit, modify, digitally transmit, create derivative works from, distribute, copy, and exploit the content for multifarious purposes. This license is granted at the discretion of SFI, necessitating neither further notification nor compensation. Concurrently, you grant other users the authorization to access, retain, or reproduce such material for their personal consumption. Furthermore, you extend permission to SFI to employ the submitted name in conjunction with the associated content.
In representing and affirming your rights to the submitted material, you assert that you hold legal ownership or control over all rights pertinent to the material. You further affirm that the material you submit is both truthful and accurate. You acknowledge that the use of the submitted material aligns with the TOU and does not result in harm or violation of this agreement. You additionally undertake to indemnify SFI, its suppliers, agents, and associates against any claims arising from the submitted material. It is important to note that SFI and its associates renounce any accountability and bear no liability for material submitted by you or any third party.
Registration
By completing the registration process, you assert and warrant that all information provided, whether at present or in the future, is both accurate and truthful.
In the event of a continuous absence from logging into thesfi.in for a period of 90 consecutive days, your registration may be subject to automatic termination.
We retain the sole prerogative, exercised at our discretion, to withhold access to this website or any of its constituent segments, without prior notice, for the following reasons:
(a) Unauthorized access or utilization by the individual in question;
(b) Any attempt to assign, transfer, or otherwise convey or bestow the rights granted to you under this Agreement; (c) Violation of other stipulated terms and conditions encompassed within this User Agreement.
Usage Limitations
You are prohibited from employing the service for any illicit purposes or for contravening any applicable laws or regulations, or in a manner incongruent with the stipulated Terms of Use (TOU). The service is intended solely for your individual non-commercial use and benefit, and is not to be resold, transferred, or otherwise conveyed to, or employed by, any other individual or entity for their advantage. You agree not to employ, transfer, distribute, or dispose of any information furnished by the service in any manner that could potentially compete with the business activities of SFI.
You are forbidden from duplicating, replicating, recompiling, decompiling, assembling, disassembling, disseminating, publishing, exhibiting, modifying, uploading, creating derivative works from, transmitting, or in any way exploiting any part of the service, save for downloading material from the service for your own individual, non-commercial use.
The sharing, redistribution, or publication of the analyses and presentations provided by the service necessitates prior written consent from SFI. The “email this article” functionality may be utilized solely to apprise others about a news article from thesfi.in, and its use should be promptly discontinued for recipients who have indicated their desire not to receive such notifications.
The service or any of its components shall not be marketed or disseminated through any other medium without the prior written authorization of SFI. The service and the information contained therein shall not be employed to establish any form of database, nor shall the service be stored, either wholly or partially, in databases for access by you or any third party, or distributed as any form of database services containing part or all of the service.
You are prohibited from inputting, disseminating, uploading, posting, emailing, transmitting, or otherwise making accessible through the service any content that:
has a promotional intent, including solicitations for funds or business, unless granted prior written authorization by SFI; constitutes unsolicited correspondence, spam, chain letters, or pyramid schemes; is unlawful, injurious, menacing, abusive, defamatory, vulgar, obscene, libelous, invasive of privacy, hateful, or displays racial, ethnic, or other objectionable traits;
you lack the legal entitlement to divulge under any law or under established contractual or fiduciary commitments, such as confidential information garnered or disclosed in the course of employment relationships or under non-disclosure agreements; violates the patent, trademark, trade secret, copyright, or other proprietary rights of any third party; contains software viruses or other forms of computer code, files, or programs designed to disrupt, impair, or restrict the operation of computer software/hardware or telecommunication equipment.
You are prohibited from employing any trademarks, trade names, copyrights, or logos associated with thesfi.in in a manner that could imply ownership, association, or usage consent on your part without SFI’s explicit authorization.
The services provided have been exclusively developed by www.thesfi.in for the benefit of its users. Unauthorized replication, reproduction, distribution, publication, exhibition, performance, modification, creation of derivative works, transmission, or exploitation of any such content is a violation of our intellectual property rights and a contravention of legal statutes. Such unauthorized actions may lead to the termination of your subscription without a refund and could result in legal action.
Service Interruptions
SFI (including its directors, employees, affiliates, agents, representatives, or subcontractors) shall not be held accountable for any losses or liabilities arising, either directly or indirectly, from delays or interruptions due to failures in electronic or mechanical equipment, problems with telecommunication interconnections, defects, adverse weather conditions, labour strikes, work stoppages, fires, natural disasters, civil disturbances, acts of war, or similar events beyond our control. During such occurrences, SFI shall bear no obligation to ensure your access to the website and its services.
Links to other Websites
Our Website includes hypertexts, links, and addresses to other websites and webpages for the reference and convenience of our users. These hypertexts, links, and addresses may redirect users to various web pages and websites operated by individuals, groups, or entities other than SFI. These external websites are the sole responsibility of their respective owners and administrators.
Neither SFI nor our Website has control over or ownership of the content displayed on these external websites for any purpose. As a result, neither SFI nor our Website can be held responsible for the content available on these external websites and webpages. By choosing to visit any such webpage or website, you agree that SFI and our Website bear no responsibility or liability for the accuracy, correctness, or legality of the content, services, products, or other materials found on these external websites and webpages.
The presence of any names, products, services, or trademarks belonging to or offered by third parties, as well as the inclusion of their hypertexts or links on our Website, does not necessarily constitute a recommendation, endorsement, or sponsorship of those third parties or their products or services. Users are solely responsible for their use or access of any third-party content, products, or services, and they assume all related risks, including those related to viruses, worms, trojan horses, and other harmful materials found on these external websites and webpages.
Advertisers
The SFI website may feature sponsored content and advertisements. Neither SFI nor the website shall assume responsibility or liability for the accuracy, legality, correctness, completeness, or timeliness of these advertisements or sponsored content. The sponsors of such advertisements or sponsored content shall bear sole responsibility for their content.
SFI and the website shall also be exempt from any liability arising from the actions or omissions of the sponsors of these advertisements or sponsored content. The sponsors shall be obliged to indemnify SFI, including its employees, affiliates, and authorized representatives, against any losses, damages, costs, or expenses incurred, including reasonable attorney fees, due to any fault or deficiency in the sponsored content or advertisements or any actions or omissions on their part.
Fees and Payments
SFI retains the right to impose charges for access to the entire service or specific service components at any time. In the event that SFI chooses to implement such fees, users will be required to register and establish an account. Users shall bear the responsibility for settling all fees associated with their account, based on the prevailing rates for the billing period in which these fees are incurred. This includes but is not limited to, charges for any products or services made available for purchase through the service by SFI or any other vendor or service provider.
Users are exclusively responsible for the payment of all such fees billed to them, in addition to any applicable taxes related to the use of the service through their account and the acquisition of other products or services. SFI reserves the right to impose a prepaid fee, the amount of which may be adjusted at SFI’s sole discretion and must be paid in advance by users. Failure to do so will result in users not receiving the service or any of its components.
Termination
You have the option to terminate this Agreement (TOU) at any time, with or without reason, by discontinuing your use of our service and ensuring the removal of all materials obtained from the service.
You acknowledge that, without prior notice, SFI reserves the right to terminate this TOU or suspend your access to the service at its discretion, with or without reason, and this termination will be effective immediately. If, in the sole judgement of SFI, you fail to comply with any provision of this TOU, it may terminate this TOU without notice to you.
SFI shall not bear any liability towards you or any third party for the termination or suspension of the service, or any claims arising from such termination or suspension. Upon termination of this TOU by either you or SFI, you must immediately cease using the service and promptly delete all materials obtained from the service, including any copies thereof. If SFI terminates a paid service without cause, you will be entitled to a prorated refund of the fees you paid for the remaining period from the date of termination.
In cases where a user is dissatisfied with the service, SFI will make reasonable efforts to address the issues to the subscriber’s satisfaction. If these efforts fail, SFI reserves the right to unilaterally cancel the subscription while simultaneously issuing a full refund of the subscription amount received.
Refund Policy
You have the option to terminate your SFI Membership at your discretion, without the need for specific reasons. Upon cancellation, access to all Premium features associated with your SFI Membership will cease at the conclusion of your current billing period. Should you opt to rejoin as a paying member, your billing date will reset based on the day of payment. It is important to note that payments are non-refundable, and no reimbursements or credits will be issued for partially utilized periods. Despite cancellation, you will retain the benefits of your SFI Membership until the conclusion of your ongoing billing cycle.
Regarding changes in pricing, SFI reserves the right to modify fees or charges for any services offered, including the introduction of fees for previously free services. It is imperative to highlight that such alterations will not impact fees or charges already paid or services used before the modification. Additionally, any adjustments in pricing for your service will be implemented following prior notification to you.
