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TERMS OF USE
The User is required to read the following Terms and conditions (“Terms of Use”) carefully before agreeing to the same. Only upon user (‘you” or “User” or Visitor”) clicking the “I agree” button below these Terms of Use, having checked the check box beside it, will the User be allowed to use or access the services on the website (products.icraanalytics.com) (“Site” or Website”). Clicking on the “I agree” button shall amount to the equivalent of execution of a contract and the User shall be deemed to have agreed to the Terms of Use and the same shall amount to an express consent by the User, in full capacity and of sound mind with no inducement or duress on the part of ICRA Analytics, or ICRA Analytics to agree to the Terms of Use as governing contractual understanding for use of the Site. The term User shall refer to the user who is browsing the site and availing the Products provided by ICRA Analytics. This agreement is for an indefinite term and Users understand and agree that they are bound by such terms (“Terms of Use”).

GENERAL TERMS
1. The Site is owned, managed, and operated by ICRA Analytics Limited (“ICRA Analytics”). The Site is a platform that provides various products as mentioned in the Solution Suite including but not limited to product such as MFI 360- Research, MFI 360 – Tracker, Rating Tracker, Ranking360, Treasury Solution, MFI Portfolio Tracker, MFI Explorer, Insurance Explorer, iECL, Internal Rating Solutions, C-Cube, iORMS, and EWS (“Product[s]”) to Users to improve effectiveness and efficiency of analytical functions and operations. By using the Site and the Products available thereon, Users agree to follow and be bound by all terms and conditions concerning Users’ use of the Site and the Products. The following terms of use shall apply to Users who subscribe to the Products available on the Site. Subscription terms (“Subscription Terms”) outside of these Terms of Use, may be found in other documents associated with the Products, including but not limited to, subscription agreements and other written communications between Users and ICRA Analytics. These Terms of Use and applicable Subscription Terms constitute a contract (the “Contract”) between ICRA Analytics and Users for subscription of the Products. If the Terms of Use found on this page conflict with the Subscription Terms, then the Subscription Terms will prevail over these Terms of Use.
2. Subject to these Terms of Use, ICRA Analytics shall grant to Users, a non-exclusive, non-assignable, non-transferable, revocable, and limited license to use the Products and print copies of them only for use within Users own business (the "Licensed Rights"). In exercising the Licensed Rights, Users shall not:
  - Provide copies of, distribute, or otherwise make available any part of the Products to any third party;
  - Sell, or charge any third party to receive any Products;
  - Modify, translate, copy, adapt, distribute, transmit, display, perform, reproduce, publish, license, transfer, sell or create derivative works based on, the Products save as expressly permitted in these Terms of Use.
3. The grant of Licensed Rights in the above section (1) continues for the duration of the subscription or applicable term or identified in the Subscription Agreement and (ii) subject to the Subscription Terms of the Products.
ELIGIBILITY TO USE THE SITE
1. User warrants and represents that User is accessing the Site for business purposes only and holds valid registrations for its entity with relevant statutory authority.
If User is registering as, or on behalf of, a corporate entity, User warrants and represents that User has requisite authority to bind that corporate entity and that User is duly authorized by the business entity to accept these Terms of Use and the Privacy Policy and User has the authority to bind that business entity to these Terms of Use and the Privacy Policy.
USER ACCOUNT, PASSWORD, AND SECURITY
1. ICRA Analytics shall make certain Products available to Users through the Site only if Users have provided ICRA Analytics with such User information as may be requested by ICRA Analytics on the Site and created an account (“Account “). The Site invites User to register as a User by creating an Account on the Site as a condition to providing them with access to Products available on the Site. Users are responsible for maintaining the confidentiality of their Account information and are fully responsible for all activities that occur under Users Account
2. Users shall:
  - Provide such Account information as may be required by ICRA Analytics as set out on the Site, and update and maintain such Account information, to ensure that it remains true, accurate, current, and complete; and
  - Immediately notify ICRA Analytics of any unauthorized use of their Account and/or Account information or any other breach of security.
USAGE RIGHTS
1. The Site may undergo periodic update and revision. ICRA Analytics maintains the right to delete or modify information on this Site without prior notice. Such changes or modifications shall be binding on the registered Users.
2. ICRA Analytics owns (or licenses from third parties) all intellectual property rights including, without limitation, patents, rights to inventions, copyright and related rights, trade marks, business names and domain names, goodwill and the right to sue for passing off, rights in designs, database rights, rights to use, and protect the confidentiality of, confidential information, know-how, in each case whether registered or unregistered, which subsist or which may in the future subsist in the Site and the Products ("ICRA Analytics IP"). Users shall not acquire any right in respect of the ICRA Analytics IP other than as expressly stated in these Terms of Use.
3. Users may not delete or in any manner alter or remove any text, copyright, trademark, and other proprietary rights or in any Products subscribed by the Users. Users agree to abide by all access and use restrictions contained in any Products or content made available to the Users.
4. The trademarks, trade names, designs, logos, and service marks displayed on the Site or incorporated in any Products ("Marks") are the property of ICRA Analytics. Users are not permitted to use the Marks without the prior written consent of ICRA Analytics. Users shall not refer to or attribute any information to ICRA Analytics in any public medium or otherwise imply any endorsement by, or relationship with, ICRA Analytics.
5. Except as expressly permitted in these Terms of Use, Users shall not copy, republish, post, display, translate, transmit, reproduce or distribute any content appearing on the Site without ICRA Analytics 's prior written consent.
6. It is herein clarified that wherever in the Site ICRA Analytics provides information related to other indices manufactured by third parties or any other data provided by third parties ("Third Party Data") such Third Party Data shall be governed solely by the terms of use of such respective Third-Party Data manufacturers which are subject to change without any prior notice to ICRA Analytics and at no point ICRA Analytics shall be liable for any act/omission related to use of such Third Party Data by the Users and the Users shall be solely responsible for complying with the terms of use of the such Third Party Data manufacturers . ICRA Analytics reserves the right to discontinue providing such Third Party Data if it is aware of any change in its terms of use, which may restrict ICRA Analytics from sharing such data in any specified format or medium with the Users.
7. All information contained herein is obtained by ICRA Analytics from sources believed by it to be accurate and reliable. However, ICRA Analytics is not liable for guaranteeing the accuracy of such information since the same could be affected by human or mechanical errors or various other factors including errors at the source which are beyond the control of ICRA Analytics to verify. Therefore, all information contained herein is provided “AS IS” without warranty of any kind. ICRA Analytics adopts all necessary measures so that the information it uses is of sufficient quality and from sources ICRA Analytics considers to be reliable including, when appropriate, independent third-party sources. However, ICRA Analytics is not an auditor and cannot in every instance independently verify or validate information received in preparing this Site and the Products provided through this Site. Users are therefore further advised to employ due diligence and may on their own try to validate the information before basing any decision on the information provided by ICRA Analytics. ICRA Analytics is by no way liable for the accuracy of the information shared on the Site and consequently for any losses that may be suffered by any User due to any decision made on the basis of such information.
8. All information contained herein must be construed solely as statements of opinion, and ICRA Analytics or its affiliates or group companies and its respective officers, directors, personnel and employees, shall not be liable for or accept any liability for any loss, damage of any nature, including but not limited to direct, indirect, punitive, special, exemplary, consequential, and also any loss of profit in any way arising from the use of this document or its contents in any manner or for any contingency within or beyond the control of, ICRA Analytics or any of its directors, officers, employees, agents, representatives, licensors or suppliers, arising directly or indirectly from or in connection with the information contained herein or the use of or inability to use any such information. Opinions expressed in the Site are not the opinions of our holding company, ICRA Limited (ICRA), and should not be construed as any indication of credit rating or grading of ICRA for any instruments that have been issued or are to be issued by any entity. The recipient alone shall be fully responsible and/or liable for any decision taken on the basis of this document and/or the information contained herein.
9. ICRA Analytics may suspend (temporarily or indefinitely) or terminate or block access to the Site and/or Users Account at any time.
10. Any information (“Third Party Information”) accessed by the User by accessing any third party Site(s) hyperlinked on the Site or any third party API plugged in to/ integrated with the Site , shall be the sole responsibility of such User and such third party and neither ICRA Analytics nor its affiliates, holding or subsidiary or group entities shall be liable in any way for any losses suffered by the Users arising out of decisions made on the basis of such Third Party Information. ICRA Analytics neither confirms nor denies the veracity of such Third Party Information.
  
  Please click here for third-party disclaimers
  
  • ANY AND ALL THIRD PARTY DISCLAIMERS LINKED HERE IN THIS SECTION OR REPRODUCED HERE UPON CLICKING THE LINK ABOVE SHALL AMOUNT TO DISCLAIMER BY ICRA ANALYTICS ON USE AND ACCESS TO SUCH THIRD PARTY WEBSITES. AGREEING TO THE TERMS OF USE SHALL BE CONSTRUED TO MEAN THAT THE USER IS NOW AWARE OF ALL SUCH DISCLAIMERS AND ANY FURTHER USE OF SUCH THIRD PARTY WEBSITES SHALL BE SOLELY AT THEIR OWN RISK AND LIABILITY AND SHALL NOT IN ANY WAY RESULT IN ANY LIABILITY OR RESPONSIBILITY FOR ICRA ANALYTICS, ITS GROUP COMPANIES AND ENTITIES, ITS OFFICERS, DIRECTORS, PERSONNEL AND REPRESENTATIVES.
  
  • ICRA ANALYTICS SHALL HAVE THE RIGHT TO COLLECT, STORE, ANALYSE AND USE FOR BETTER PERFORMANCE OF ITS PRODUCTS ANY AND ALL SUCH DATA THAT MAY BE SHARED BY THE USER ON THE SITE BY WAY OF REGISTRATION, SUBSCRIPTION FORM, OR IN THE PROCESS OF EXECUTING ANY TRANSACTION THROUGH ACCESSING THIRD PARTY API (INCLUDING BUT NOT LIMITED TO BSE STAR MF API) OR RECEIVED THROUGH THIRD PARTY SERVICE PROVIDER OR DATA PROVIDER INCLUDING RTA FEED RECEIVED BY ICRA ANALYTICS. ONCE RECEIVED, ICRA ANALYTICS SHALL BE RESPONSIBLE FOR THE PROTECTION OF ALL SUCH DATA IN THE CUSTODY OF ICRA ANALYTICS ALONE AS PER THE TERMS AND CONDITIONS OF THE PRIVACY POLICY BELOW.
  
  • IN THE EVENT AN USER DECIDES TO SUBSCRIBE TO THE PRODUCTS AVAILABLE ON THE SITE IT SHALL BE BOUND BY THE SUBSCRIPTION TERMS TO BE ENTERED INTO SEPARATELY VIA A SEPARATE CLICKWRAP AGREEMENT. MOREOVER SUCH SUBSCRIPTION TERMS AND ACCESS TO SUBSCRIBED PRODUCTS SHALL COME INTO EFFECT IMMEDIATELY UPON PAYMENT OF SUBSCRIPTION FEES BY SUCH USER AND CONFIRMATION OF THE SAME BY WAY OF AN ACKNOWLEDGEMENT RECEIPT SHALL BE PROVIDED TO THE SUBSCRIBER BY ICRA ANALYTICS, CONFIRMING THE RECEIPT OF SUCH PAYMENT. WHILE SUCH SUBSCRIBERS WILL BE GOVERNED BY THE SUBSCRIPTION TERMS, THESE TERMS OF USE ALONG WITH THE PRIVACY POLICY HEREIN SHALL CONTINUE TO BE APPLICABLE TO SUCH USER/ SUBSCRIBER. ANY CONFLICT AMONG THESE DIFFERENT SETS OF TERMS SHALL BE RESOLVED IN THE MOST HARMONIOUS READING OF THE DIFFERENT SETS OF TERMS. HOWEVER, IN THE EVENT OF CONTRADICTION OF THE TERMS, SUBSCRIPTION TERMS SHALL PREVAIL FOR THE PURPOSES OF DISPUTES WITH OR REGULATION OF USE OF THIS SITE BY SUCH SUBSCRIBERS.
  
  • THESE TERMS & CONDITIONS ARE IN ADDITION TO THE 'DISCLAIMER' ON THE ICRA ANALYTICS SITE AND SUPERSEDE ANY OTHER COMMUNICATIONS, ADVERTISEMENTS, OR UNDERSTANDINGS WITH RESPECT TO THE SITE.
USERS OBLIGATIONS
1. Users agree to use the Site and the Products only for purposes that are permitted by, and in accordance with: (a) these Terms of Use; (b) the Privacy Policy; (c) the Subscription Terms; and (d) any applicable law.
2. Users shall not:
  - Upload to the Site any content or files that: (a) contain viruses, corrupted files, or any other similar software or programs or material; (b) may damage the operation of the Site or another’s computer; (c) belong to another person and to which Users do not have any right to; (d) is harassing, defamatory, libellous, obscene, pornographic, invasive of another’s privacy; (e) infringes any patent, trademark, copyright or other proprietary rights; (f) are deceiving or misleading; or (g) are otherwise unlawful in any respect;
  - Engage in any activity that interferes with or disrupts access to the Site (or the servers and networks which are connected to the Site);
  - Attempt to gain unauthorized access to any portion or feature of the Site and /or the Products, any other systems or networks connected to the Site, to any ICRA Analytics server;
  - Disrupt or interfere with the security of, or otherwise cause harm to, the Site, systems resources, accounts, passwords, servers or networks connected to or accessible through the Sites or any affiliated or linked sites;
  - Collect or store data about other users of the Site and the Products;
  - Violate any applicable laws or regulations for the time being in force;
  - Violate these Terms of Use, the Privacy Policy or any Subscription Terms;
  - Reverse engineer, modify, decompile, disassemble, or copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information contained on the Site provided by ICRA Analytics (including, without limitation, any Product) save as expressly permitted in these Terms of Use; and
  - Impersonate any person or entity, or falsely state or otherwise misrepresent Users affiliation with a person or entity.
PRIVACY POLICY
1. The Site is strongly committed to Users right to privacy and to keeping Users personal and financial information secure. To earn Users trust and confidence, we are fully disclosing our privacy practices which is incorporated by reference into these Terms of Use. We encourage Users to read our Privacy Policy to understand what types of Personally Identifiable Information we collect and how we use this information.
2. This Privacy Policy (“Policy”) sets forth the reasonable security practices and procedures adopted by ICRA Analytics Limited (”ICRA Analytics”) and shall apply to the use, disclosure and sharing of sensitive personal data or information (“Personal Identifiable Information” or “PII”) provided by the registered users of the Site products.icraanalytics.com, which is owned and operated by ICRA Analytics. This policy is equally applicable on the visitors to the Site. The Policy outlines the various measures undertaken by ICRA Analytics to provide Users with a convenient and safe online/ experience, while maintaining and safeguarding the confidentiality, integrity, and security of Users PII, during storage and transmission through the World Wide Web. This Policy explains how ICRA Analytics protects PII provided by Users through the Site and how ICRA Analytics store and use that information, to deliver the services on the Site.
3. This Privacy Policy forms an integral and inseparable part of the Terms of Use and by clicking the “I agree” button at the end of Terms of Use, Users would be expressing and recording Users intent to agree to the terms of this Privacy Policy and will be deemed to have accepted the protections and measures mentioned herein to be acceptable to Users as fair and diligent measures to protect the integrity and confidentiality of Users Personal Identifiable Information.
4. Please read this Policy carefully, it is subject to change at any time and is advised that Users review this Policy periodically. Any change to this Policy will become effective as soon as it is posted or linked to the revised Policy on the Site. Users shall receive a notification whenever there is a change in our Policy on Users registered email ID and the issuance of the notification shall constitute a fair amendment of the Privacy Policy. If at any time such changes are not agreeable to a User, then User may terminate his registration Subscription Agreement with ICRA Analytics. Termination of registration and Subscription Agreement or stopping of further use shall not result in any automatic deletion of Users PII already stored with ICRA Analytics and ICRA Analytics takes no responsibility or makes no representation which would imply otherwise. It is therefore, Users responsibility to read and assess such changes in the Policy once such notifications have been sent to Users registered email ID. Such notifications shall be sent by ICRA Analytics only to registered email IDs of such Users and Subscribers who are active and trial users shall not receive such notifications after the expiry of their trial period unless they have become subscribers by then. Subscribers whose subscriptions of ICRA Analytics Products have expired and have not since been renewed shall also not receive such notifications and therefore in both these cases, the User shall be responsible for rereading the Terms of Use and Subscription terms (wherever applicable) before further use of the Site and the Products.
NATURE OF PII COLLECTED BY ICRA ANALYTICS (To be read in conjunction with the Privacy Policy)
1. The registration on the ICRA Analytics Site will require Users to enter Users PII, including but not limited to User's name, email address, phone number, sensitive personal information such as bank account details, financial data, sexual orientation etc., feedback or other details to help Users get better experience.
2. Further ICRA Analytics will collect IP addresses for site security and to better understand User behaviour, difficulty of use, User experience on the site or of the Products and shall internally analyse such data in an anonymous form to improve ICRA Analytics Products and effectively improve overall User experience on the Site and of the Products.
3. During the course of User’s use of the Site and subscription period of the Products, it is possible that the Site and ICRA Analytics will receive access to some of Users information (which may include personal and financial data) as may be provided by User for the purpose of Subscription of the Products or for accessing any Third Party services through API integration through the Site. These information may include information which may also be in the nature of being KYC information or personal financial information which may be provided by the User, third party API's or RTA feed etc., received by ICRA Analytics. Wherever such financial information is of the nature that even if disclosed in isolation it will result in identification of the person to whom such data pertains, it shall qualify as PII and be classified as PII and be treated in the same manner and at the same standard as PII is treated as per this Privacy Policy.
4. For quality reasons, we use a feature called "cookie”. Cookies are small files that a site or its service provider transfers to Users computer's hard drive through Users Web browser (if Users allow), that enables the site's or service provider's systems to recognize Users browser and capture and remember certain information. Please remember although we may assign Users browser a cookie, the cookie does not tell us who Users are. Only Users can tell us that. Mechanisms related to use of Cookies shall be explained in the Cookie Policy section of the Privacy Policy.
5. Any PII that Users may share with any third party by using their API plugged to our Site, even if such is done by using or accessing such API through our Site, shall be the responsibility of such third party service provider or platform to the extent of their data storage and protection at their end. However, this would not affect negatively the security mechanisms ICRA Analytics will continue to employ, to protect Users PII, which may be stored with it. Wherever a third party Integrated API is accessed or used through the Site, ICRA Analytics reserves the right to aid Users in the process by transferring Users relevant Data including PII to auto fill such forms. In such case such forms and information will also become accessible to and available with such Third Party service provider and ICRA Analytics shall not be responsible for protection of such data in third party custody even though such data in ICRA Analytics custody shall continue to be protected as per the Privacy Policy. This is a clear exception to the general data protection provided by ICRA Analytics and shall not be construed as a violation of personal privacy rights as the act of accessing such Third party API or executing transactions through the same shall be construed to be implied consent of such service support from ICRA Analytics thus allowing ICRA Analytics to share such relevant information including PII with such third party.
MECHANISM OF DATA COLLECTION (To be read in conjunction with the Privacy Policy)
We collect information from Users when Users register on our Site, fill out a feedback form or make a product enquiry on our Site or when Users subscribe to the Products. From time to time, the Site may also request other PII to provide Users with other benefits of the Products of the Site. On all such occasions, Users will have the opportunity to provide or to decline to provide such further PII. However, declining to provide such PII sought may result in Users not being able to use such specific Products or receive any such upgrade of the Products that required such additional PII. Provided further, ICRA Analytics receives information including results from Google analytics and other agencies which are not proprietary data of ICRA Analytics and is therefore not within the controls of ICRA Analytics. ICRA Analytics shall not be responsible for any breach of privacy or any issues related to accuracy of such third party data or third party information.
USE OF DATA (INCLUDING PII) COLLECTED (To be read in conjunction with the Privacy Policy)
We may use the information collected from Users in ways including but not limited to:
1. To personalize Users experience and provide content and product offerings that are best suited to Users interests;
2. To improve our Site in order to serve Users better;
3. To allow us to better respond to Users specific service requests;
4. To improve our Product offering(s);
5. To improve with better placement of advertisements;
6. To overall analyze and understand User behaviour by use of data analytics, the results of which shall be considered our sole intellectual property and proprietary know-how, and shall not by virtue of use of Users data for the purpose of such analysis grant any right of ownership of the end product to either Users or any of Users heirs or assigns or to any other third party.
BRIEF DESCRIPTION ON PROTECTION OF USER/ VISITOR PII BY ICRA ANALYTICS
1. The following paragraph briefly describes the mechanisms put in place and practices implemented by ICRA Analytics to protect and maintain integrity and confidentiality of Users PII.
2. ICRA Analytics shall, at all times, store Users PII in its cloud server storage (hosted and operated by external vendor) and to the best of its knowledge ICRA Analytics understands that its external cloud storage vendors shall make best endeavor to ensure that such clouds storages does not result in storage of Users PII in any server outside the territory of the Republic of India.
3. Users unique USER ID allocated to Users at the time of registration shall be accorded a confidential code internally in its stored form such that Users PII cannot be linked to Users USER ID without access to the specific code
4. Further all Users PII shall be stored in an encrypted. Users PII is stored in secured networks and only limited number of persons can access Users PII. All employees and consultants of ICRA Analytics shall be bound by stringent standards and contractual terms on their obligations in relation to maintaining the confidentiality of Users PII.
5. All sensitive/credit information Users supply are encrypted via Secure Socket Layer (SSL) technology. Further, ICRA Analytics shall employ a private key and public key mechanism to maintain the integrity of the encryption. However, in the event of any regulatory inquiry, including court issued warrants or written request from Government agencies supported by warrants, ICRA Analytics shall have no option but to de-encrypt the PII to the extent sought and share the same with such regulator or court or appropriate authority upon receiving specific warrant from such authority issued by a competent Court. In such an event ICRA Analytics shall not be liable in any way for such disclosure and ICRA Analytics shall not be responsible to either inform Users or seek Users prior approval.
6. ICRA Analytics carries out periodic vulnerability assessment of the Site/application and fixes reported vulnerabilities to the extent feasible. Provided further ICRA Analytics is certified for ISO 27001 for its information security practices.
WE DO NOT SELL, TRADE, TRANSFER, OR OTHERWISE DISCLOSE PII TO ANY THIRD PARTIES.
1. However, any third party API linked to our Site shall be accessed by the Users at their own risk and responsibility and subject to privacy terms of such third party service provider or platform. Any information including PII disclosed to such third parties by the Users shall not be the responsibility of the Site and/or ICRA Analytics and shall solely lie with such third party vendor and/or the User.
2. We may disclose PII if required by any applicable law, or in response to any legal action, to protect the rights or property of the Site and the Products, or to protect the safety of our Users, or others.
PURGING OF PERSONAL DATA
Users personal data may be stored with ICRA Analytics for a period of time after the User ceases to use or access our Site for the purposes mentioned in this Terms of Use and the same may be eventually erased/ purged/removed from ICRA Analytics storage.
COOKIE POLICY (To be read in conjunction with the Privacy Policy)
1. Our Site may use cookies. By using our Site and agreeing to these terms of use, Users consent to our use of cookies in accordance with the terms of our Privacy policy.
2. The use of cookies is employed to:
  1. Help us remember and process the items that Users are looking for;
  2. Understand Users preferences based on previous or current site activity, which enables us to provide Users with improved services.
  3. Compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in future.
  4. Understand and save Users preferences for future visits.
3. You can choose to direct Users computer warn Users each time a cookie is being sent, or Users can turn off all cookies through Users browser settings. Each browser is different, so refer your browser's Help menu to learn the correct way to modify your cookies.
4. If Users disable cookies Users can still visit our site but some features will be disabled. This could affect User’s Site and Product experience and efficiency, and some of our Products will not function as desired.
5. ICRA Analytics is neither responsible nor liable for any actions or policies of any third parties, and Users are expressly advised check the applicable privacy policy of such third party before providing PII to such third parties.
LINKS TO THIRD PARTY SITES
1. This Site may contain links to other Sites of interest, operated by parties other than ICRA Analytics. Such links are provided for Users convenience only. However, once Users have used these links to leave our Site, Users should note that we do not have any control over such third-party websites. Therefore, ICRA Analytics is not responsible for their contents or their practices of information protection and privacy which Users may provide while accessing such websites. Users are advised to exercise caution and look into the privacy norms and Terms of Use applicable to the website(s) in question. ICRA Analytics inclusion of links to such websites does not imply any endorsement of the material on such websites or any association with their operators.
2. Any information (“Third Party Information accessed by the Users by accessing any third party website hyperlinked on the Site or any third party API plugged in to the Site , shall be the sole responsibility of such Users and such third party and neither ICRA Analytics nor its affiliates, holding or subsidiary or Group entities shall be liable in any way for any losses suffered by the Users arising out of decisions made on the basis of such Third Party Information. ICRA Analytics neither confirms nor denies the veracity of such Third Party Information.
3. Further since neither ICRA Analytics nor its group entities, holding or subsidiary entities, directors , officers, personnel are aware of the privacy practices of such third party websites, ICRA Analytics and all its affiliates and Group entities shall not be responsible for protection of integrity and confidentiality of any information including PII shared by the Users in such websites or in the process of accessing or registering with such websites including any cookies used by such websites on your browsers. By agreeing to these terms of Use, Users are expressly waiving any right of Users to claim any damages or otherwise any other legal or equitable remedy against ICRA Analytics, its group entities and affiliates including all its employees and personnel for any loss of data , information, disclosure of information including PII or any other losses (quantified , present, accrued or potential or otherwise) arising directly or indirectly due to Users use of such third party links, websites or APIs.
NO UNLAWFUL OR PROHIBITED USE
No material from the Site and/or the Products may be copied, modified, reproduced, republished, uploaded, transmitted, posted, or distributed in any form without prior written permission from ICRA Analytics. All rights not expressly granted herein are reserved. Unauthorised use of the materials, Products available on the Site may violate trademark and other applicable laws and could result in legal penalties. Users are granted a non-exclusive, non-transferable, limited right to access the Site and avail the Products provided by ICRA Analytics on the Site. All information displayed on the Site and the Products available on the Site (unless expressly cited or credited to be sourced from a third party source) shall be considered to be copyrighted work of ICRA Analytics and any unlawful use or reproduction, distribution, financial exploitation of the same shall be considered to prima facie infringement of ICRA Analytics copyright and ICRA Analytics shall have the right to seek all remedies available in law including but not limited to injunctive reliefs against such User in order to best protect its property as well as to mitigate any further irreversible damage.
ACCESS RESTRICTION
ICRA Analytics reserves the right to deny in its sole discretion any user access to this Web site and the Products or any portion thereof without notice.
MODIFICATION OF THESE TERMS AND CONDITIONS
1. ICRA Analytics reserves the right to change the terms, conditions, and notices under which this Site is offered. In the event of any change in terms and conditions (that is any change in the terms of this Terms of Use), ICRA Analytics shall notify Users through Users registered email ID. Issuance of such notice shall mean valid and complete disclosure and intimation to Users and any user agreeing to these terms would be deemed to have agreed to the same inclusive of any and all such future amendments. Users continuing use of the Site and the Products available therein subsequent to such notification shall be further considered a complete, well informed and unambiguous acceptance and consent to such changes and amendments. In the event Users do not agree to such changes, Users may terminate Users subscription of the Products and the Site or stop use of the same.
2. Terms of Subscription to any specific section of the Site or any specific Product available on the Site shall be part of the terms of use of the such section as Subscription plans and only a separate clickwrap acceptance of the same shall be necessary.
3. Subscription Terms for any subscribed access to the Products shall be considered a part and parcel of these terms of use even if notified separately at the instance of such mechanism of subscription.
DISCLAIMER OF WARRANTIES & LIMITATION OF LIABILITY
1. THE SITE AND ALL THE PRODUCTS ARE PROVIDED BY ICRA ANALYTICS ON AN "AS IS" AND "AS AVAILABLE" BASIS. ALL WARRANTIES WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES AS TO NON-INFRINGEMENT, CORRESPONDENCE WITH DESCRIPTION, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE ARE EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.
2. NO LIABILITY ARISING OUT OF ANY VIOLATION OF DATA PRIVACY LAW IN ANY OTHER COUNTRY OTHER THEN REPUBLIC OF INIDA SHALL RESIDE WITH ICRA ANALYTICS. THE USERS OF SUCH COUNTRY (OTHERTHAN REPUBLIC OF INDIA) NEED TO BE AWARE OF THE DATA PROTECTION LAWS OF THAT COUNTRY AND ACCORDINGLY ASSESS THE RISK SINCE ICRA ANALYTICS CLEARLY DISCLAIMS ALL RESPONSIBILITY RELATED TO PROTECTION OF SUCH DATA.
3. WITHOUT LIMITING THE GENERALITY OF ABOVE CLAUSE, ICRA ANALYTICS MAKES NO WARRANTY THAT (I) THE SITE OR ANY PRODUCT WILL MEET USERS’ REQUIREMENTS OR THAT USERS USE OF THE SITE, OR ACCESS TO THE PRODUCTS, WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE (II) THE QUALITY OF THE SITE OR THE PRODUCTS WILL MEET USERS EXPECTATIONS.
4. ICRA ANALYTICS SHALL NOT BE LIABLE FOR:
  - ANY LOSS THAT USERS MAY INCUR AS A CONSEQUENCE OF UNAUTHORIZED USE OF USERS ACCOUNT OR ACCOUNT INFORMATION;
  - ANY INTERRUPTION OR NON-AVAILABILITY OF THE SITE DURING PERIODIC MAINTENANCE OR FOR ANY OTHER REASON INCLUDING BUT NOT LIMITED TO SYSTEMIC FAILURES AND ACTS OF GOD;
  - ANY INACCURACY, ERROR, OMISSION, INTERRUPTION, COMPLETENESS, DELETION, DEFECT, FAILURE OF PERFORMANCE, COMPUTER-VIRUS, COMMUNICATION LINE FAILURE, ALTERATION OF, OR ANY USE OF CONTENT HEREIN, REGARDLESS OF CAUSE, FOR ANY DAMAGES RESULTING THERE FROM; OR
  - ANY LOSS OF PROFITS, SALES, BUSINESS OR REVENUE; BUSINESS INTERRUPTION; LOSS OF ANTICIPATED SAVINGS; LOSS OF BUSINESS OPPORTUNITY, GOODWILL OR REPUTATION; OR ANY INDIRECT OR CONSEQUENTIAL LOSS OR DAMAGE HOWSOEVER ARISING.
  - ANY INVESTMENT DECISION/ACTION MADE BY A USER OR ITS CLIENTS ON THE BASIS OF INFORMATION AND PRODUCT DISPLAYED ON THIS SITE.
  - ACCURACY, CORRECTNESS OR ORIGINALITY OF ANY DATA INCLUDING ALL INDICES PUBLISHED ON THE SITE WHETHER THE SAME IS THIRD PARTY DATA OR OTHERWISE.
5. USERS ACKNOWLEDGE THAT THE EXCLUSIONS AND LIMITATIONS ON ICRA ANALYTICS LIABILITY SET OUT IN THIS CLAUSE ARE DISTINCT AND SEPARATE PROVISIONS. IF ANY PROVISION OR PART-PROVISION OF THIS CLAUSE IS OR BECOMES INVALID, ILLEGAL OR UNENFORCEABLE, THE PROVISIONS OF CLAUSE 21 SHALL APPLY.
INDEMNITY
Users shall indemnify, defend and hold harmless ICRA Analytics from and against any and all losses, liabilities, claims, damages, demands, costs and expenses (including attorney's fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by ICRA Analytics that arise out of, result from, or may be payable by virtue of any Breach (as defined above) or any other breach or non-performance by Users of any of the terms of these Terms of Use or Users use of the Site or the Product.
GENERAL
These terms and conditions are governed by the laws of the Government of India. Users hereby consent to the exclusive jurisdiction and venue of courts in New Delhi, India, in all disputes arising out of or relating to the use of this Site. Use of this Site or the Products is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. Users agree that no joint venture, partnership, employment, or agency relationship exists between them and ICRA Analytics as a result of this agreement or use of the Product available on the Site. ICRA Analytics performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of ICRA Analytics right to comply with governmental, court and law enforcement requests or requirements relating to User’s use of this Site and the Product or any content or information provided to or gathered by ICRA Analytics with respect to such use. If any part of this Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the Disclaimer of Warranties & Limitation of Liability set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the provisions of Terms of Use shall continue in effect. This Terms of Use constitutes the entire agreement between the User and ICRA Analytics with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the User and ICRA Analytics with respect to this Web site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Fictitious names of companies, products, people, characters and/or data mentioned herein are not intended to represent any real individual, company, product, or event. Any rights not expressly granted herein are reserved.
RIGHT TO INJUNCTIVE RELIEF:
1. It is acknowledged and admitted by the User that a breach of Terms of Use and the Subscription Terms by the User can cause irreparable damage to ICRA Analytics, and such damages may or may not be entirely quantifiable in monetary terms. Therefore in the event of a breach of these Terms of Use and the Subscription Terms by the user, the User acknowledges that ICRA Analytics shall have a prima facie case and a favourable balance of convenience to seek an injunctive relief to stop such continuing breach from a court of competent jurisdiction.
2. Moreover, a breach of the Terms of Use and the Subscription Terms by any User shall result in immediate termination of its right to use and access the Site and the Products subscribed to by the User and his account or User ID with the Site shall be made inactive. In such an event ICRA Analytics shall have no obligation to provide the user with any prior notice of such termination.
DISPUTE RESOLUTION:
1. All disputes arising out of these terms of Use and any Disclaimers on the Site shall be subject to the sole and exclusive jurisdiction of the courts of New Delhi
2. For the purposes of this Policy, “ICRA”, “ICRA Analytics” "we" "us", and "our" means ICRA Analytics Limited and its group companies. A complete list of ICRA group companies can be found on the www.icraanalytics.com Site.

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