1. USAGE RIGHTS
1.3. The Site may undergo periodic update and revision. ICRA ANALYTICS maintains the right to delete or modify information on this Site without prior notice.
1.5. 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 serviced 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.
1.6. All information contained herein must be construed solely as statements of opinion, and ICRA ANALYTICS or its affiliates or group companies and its respective and any of its 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, as 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 are liable for any decision taken on the basis of this document and/or the information contained herein.
1.7. Any information (“Third Party Information”) accessed by the User by accessing any third party website(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.
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3. RIGHT TO INJUNCTIVE RELIEF:
4. DISPUTE RESOLUTION:
4.2. 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 website.
5. MECHANISM OF DATA COLLECTION
We collect information from you when you register on our Site, fill out a feedback form or make a product enquiry on our Site. From time to time, the Site may also request other PII to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide such further PII. However, declining to provide such PII sought may result in you not being able to use such specific Service or receive any such upgrade of Service that required such additional PII.
6. USE OF DATA ( INCLUDING PII) COLLECTED
We may use the information collected from you in following ways:
6.1. To personalize your experience and provide content and product offerings that are best suited to your interests;
6.2. To improve our website in order to serve you better;
6.3. To allow us to better respond to your specific service requests;
6.4. To improve our product and service offering(s);
6.5. To improve with better placement of advertisements;
6.6. To overall analyze and understand user behavior 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 your data for the purpose of such analysis grant any right of ownership of the end product to either you or any of your heirs or assigns or to any other third party.
7. BRIEF DESCRIPTION ON PROTECTION OF USER/ VISITOR PII BY ICRA ANALYTICS
7.1. The following paragraph briefly describes the mechanisms put in place and practices implemented by ICRA ANALYTICS to protect and maintain integrity and confidentiality of your PII.
7.2. ICRA ANALYTICS shall, at all times, store your PII in its cloud server storage (operated by external vendor). ICRA ANALYTICS ensures that such cloud storage mechanism does not result in storage of your PII in any server outside the territory of the Republic of India.
7.3. Your unique user ID allocated to at the time of registration shall be accorded a confidential code internally in its stored form such that your PII cannot be linked to your USER ID without access to the specific code
7.4. Further all your PII shall be stored in an encrypted form. Your PII is stored in secured networks and only limited number of persons can access your PII. These personnel are conferred special access rights and are required to keep the information confidential. Such persons are themselves bound by stringent standards and contractual terms on their obligations in relation to maintaining the confidentiality of your PII.
7.5. All sensitive/credit information you supply is 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 you or seek your prior approval. ICRA ANALYTICS regularly carries out security audit of its website and server storage mechanisms and any loopholes, bugs found there in are immediately removed and addressed.
8. WE DO NOT SELL, TRADE, TRANSFER, OR OTHERWISE DISCLOSE PII TO ANY THIRD PARTIES.
8.1. 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 User 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.
8.2. 8.2. 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 website, or to protect the safety of our users, or others.
9. PURGING OF PERSONAL DATA
Your personal data shall be stored with ICRA ANALYTICS for a pre-determined period after you cease to use or access our Platform as per the internal policies for data storage of ICRA ANALYTICS and the same shall be eventually erased/ purged/removed from ICRA ANALYTICS storage as per relevant applicable policies of ICRA ANALYTICS.
10.2. Help us remember and process the items that you are looking for;
10.3. Understand your preferences based on previous or current site activity, which enables us to provide you with improved services.
10.4. Compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in future.
10.5. Understand and save your preferences for future visits.
10.6. You can choose to direct your computer warn you each time a cookie is being sent, or you can turn off all cookies through your browser settings. Each browser is different, so refer your browser's Help menu to learn the correct way to modify your cookies.
10.7. If you disable cookies you can still visit our site but some features will be disabled. This could affect your site experience and efficiency, and some of our services will not function as desired.
11. LINKS TO THIRD PARTY SITES
11.2. Any information (“Third Party Information accessed by the User 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 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.
12. NO UNLAWFUL OR PROHIBITED USE
No material from the Site 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 appearing 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 services provided by ICRA ANALYTICS on the Site. All information displayed 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 un lawful use or reproduction, distribution, financial exploitation of the same shall be considered to prima facie infringement of ICRA ANALYTICS’s 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.
13. ACCESS RESTRICTION
ICRA ANALYTICS reserves the right to deny in its sole discretion any user access to this Web site or any portion thereof without notice.
14. MODIFICATION OF THESE TERMS AND CONDITIONS
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 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 this Site. ICRA ANALYTICS's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of ICRA ANALYTICS's right to comply with governmental, court and law enforcement requests or requirements relating to your use of this Site or any content or information provided to or gathered by ICRA ANALYTICS with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations 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 agreement shall continue in effect. This agreement 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 agreement 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.
All rights including copyright and moral rights are reserved by ICRA Analytics Limited (formerly known as ICRA Online Limited).
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