Welcome to the website of NJ Digit (“Company”, “we”, “us”, or “our”).

These Terms and Conditions (“Terms”, “Terms of Use”) govern your access to and use of the website located at https://njdigit.com/ (the “Website”), including any content, functionality, and services offered on or through the Website (collectively, the “Service”).

Please read these Terms carefully before accessing or using the Service. By accessing or using the Service or any content, information, services, features or resources available or enabled or clicking on a button or taking another action to signify your acceptance of this Agreement, you: (1) agree to be bound by this Agreement and any future amendments and additions to this Agreement as published through the Services; (2) represent you are of legal age in your jurisdiction of residence to form a binding contract; and (3) represent that you have the authority to enter into this Agreement personally and, if applicable, on behalf of any company, organization or other legal entity on whose behalf you use the Services you agree to be bound by these Terms. Except as otherwise provided herein, if you do not agree to be bound by this Agreement you may not access or use the Services

We reserve the right to modify or replace these Terms at any time. It is your responsibility to review these Terms periodically. Your continued use of the Website following the posting of any changes to the Terms constitutes acceptance of those changes.

1.   The Content

All of the information, content, services and software displayed on, transmitted through, or used in connection with the Website including for example, advertising, directories, lists, guides, articles, opinions, reviews, text, photographs, images, illustrations, graphics, games, audio, video, html, source and object code, software, data, and all the selection and arrangement of the aforementioned and the “look and feel” of this Website are protected under applicable copyrights and other proprietary rights and are the intellectual property of NJ Digit and its affiliated companies, licensors and suppliers. NJ Digit actively protects its rights to the Content to the fullest extent of the law. You may not use the Content except as expressly provided in these Terms.

The Content includes logotypes, trademarks and service marks (collectively “Marks”) and patents owned by NJ Digit, and Marks owned by other information providers and third parties. No Marks or patents may be used in any manner unless approved in advance, in writing by NJ Digit. 

You may use the Website and Content online and solely for personal, non-commercial, and informational/entertainment use, and you may download or print a single copy of any downloadable portion of the Content, where permitted, for your personal, non-commercial, and informational use, provided you do not remove any trademark, copyright or other notice contained in such Content. No other use is permitted without securing the prior written consent of NJ Digit. 

2.   Prohibited Uses of Website

By accessing or using the Website and/or including any Content, you agree to use them only as expressly permitted by these Terms. Unless you have our prior written permission, you shall not:  

•       Alter, copy, rearrange, broadcast, rewrite, redistribute, transfer, sell, republish, modify, use for broadcast or publication in any medium, directly or indirectly, Content or any other part of the Website
•       Remove, suppress, or alter the display of advertising, except where applicable law expressly grants such rights;
•       Frame or utilize framing techniques that involve any trademark, logo, copyrighted material, patented creations, or other proprietary information (including images, text, page layouts, or forms) of any portion of the Website
•       Archive, cache, store, or incorporate into a database any Content or any other part of the Website
•       Decompile, reverse engineer, decrypt, disassemble, or circumvent any aspect of the Website
•       Insert or introduce any malicious or otherwise unauthorized code, device, or means, or take any action that may impose an unreasonable or disproportionately large load on our infrastructure
•       Use any data mining, robot, spider, cancelbot, Trojan horse, or any data gathering, scraping, indexing, or extraction method on any part of the Website
•       Use the Website in a manner that violates applicable laws or regulations or violates the rights of a third party; or
•       Violate any of these Terms, including without limitation the Posting Rules below.

3.       Use of the Service

The Service is intended for informational purposes only and is not intended to be a substitute for professional financial advice. You should not make any investment decisions based solely on the information provided on the Service. We recommend that you consult with a qualified financial advisor before making any investment decisions.

4.       Account Registration

Certain areas of the Website may require account registration or may otherwise ask you to provide information to participate in certain features or access certain Content. The decision to provide this information is purely optional. However, if you elect not to provide such information, you may not be able to access certain Content or features or participate in various areas of the Website. When you register or become a member of the Website or provide information to the Website in any other manner, you agree to provide only true, accurate, current, and complete information. Using a name other than your own legal name or otherwise impersonating another person is prohibited. You agree that we may use the information you provide to us according to its Privacy Statement.

If you create an account with the Website you agree to accept responsibility for all activities that occur under your account or password and agree that you will not sell, transfer, or assign your account or any account rights. Each registration or account is for a single user only. You are responsible for maintaining the confidentiality of your password and for restricting access to your computer so that others may not access the Website. NJ Digit reserves the right to terminate your account and/or deny access to the Website to any person we suspects has violated or is violating these Terms.

Website may sometimes be provided through another party, for instance, an institution of higher learning where you are a student or a provider of electronic wallet services with whom you have an account. In such circumstances, information about you necessary to provide you with an account—like your school or personal email address, or electronic-wallet address—may have been provided to us by that third party.

5.       Third-Party Links

The Service may contain links to third-party websites or resources. These links are provided for your convenience only and we do not endorse or control the content of such websites or resources. We are not responsible for the accuracy, completeness, or reliability of any information on such websites or resources.

The Website may distribute content supplied by other information content providers such as non-staff contributors and commenters. We use these providers to enhance your experience on the Website. We are not responsible for the statements and opinions expressed by those content providers. Responsibility for the accuracy and completeness of such content lies solely with those content providers and is not guaranteed by us.

We are not the publisher of such information and is therefore not liable for any delays, inaccuracies, errors, or omissions in such Content. Given the volume of information posted by such providers, the Website cannot and does not monitor all of the information posted to the Website and assumes no duty to monitor the Website for inappropriate or inaccurate Content. Neither we nor our affiliates or employees shall be liable to any user or anyone else for claims of defamation, libel, slander, infringement, invasion of privacy and publicity rights, obscenity, pornography, fraud or misrepresentation arising from such Content. Notwithstanding the foregoing, we reserve the right to remove information provided by other information content providers at any time in its sole discretion.

6.       Website Security Rules

You are prohibited from violating or attempting to violate the security of the Website including without limitation, (a) accessing data not intended for you or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan, or test the vulnerability of a system or network, or to breach security or authentication measures without proper authorization, (c) attempting to interfere with any service to any user, host, or network, including, without limitation, via means of submitting a virus to the Website, overloading, “flooding,” “mailbombing,” or “crashing,” (d) forging any TCP/IP packet header or any part of the header information in any e-mail, forum, or newsgroup posting, or (d) scraping or otherwise collecting data or information through automated means. Violations of system or network security may result in civil or criminal liability. We will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting those who are involved in such violations.

7.   E-mail Address

You hereby acknowledge and agree that any notice or disclosure the Company sends to the email address you provide to us satisfies any requirement that such notice, disclosure, or communication be provided in writing.

8.   Disclaimer

Our Website provides financial planning services and related information. All content provided on the Website is for informational purposes only and does not constitute financial, legal, or other professional advice. You should consult with a qualified professional before making any financial decisions.

The information provided on the Service is believed to be accurate at the time it is posted. However, we do not guarantee the accuracy, completeness, or timeliness of the information. We may make changes to the information at any time without notice.

Your use of the website and its contents is at your own risk. All materials and services on the website, and any third-party sites to which the foregoing links are provided “as is” or “as available” without warranty of any kind. The company is not responsible for the availability or content of other services that may be linked to the website. Because the Company has no control over such services, you acknowledge and agree that the Company is not responsible for the availability of such external services, and that we do not endorse and is not responsible or liable for any content, accuracy, quality, advertising, products or other materials on or available from such external services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through such external services. The content published on the website may include inaccuracies or typographical errors. Changes are periodically made to the information on the website. The Company and/or its suppliers may make improvements and/or changes to the website. at any time including changes to these terms. The website offers a search feature within the site. The Company explicitly disclaims any responsibility for the content or availability of information contained in our search index or directory. The Company also disclaims any responsibility for the completeness or accuracy of any directory or search result. The Company and/or its suppliers make no representations and, to the fullest extent allowed by law, disclaim all warranties, express or implied, including, but not limited to warranties of merchantability and fitness for a particular purpose regarding the suitability of the information; the accuracy, reliability, availability, completeness or timeliness of the content, services, products, text, graphics, links, game logic, or other items contained within the website or the results obtained from accessing and using the website and/or the content contained therein. The Company does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that the website, including bulletin boards or the server that makes it available, are free of viruses or other harmful components. The user assumes the entire cost of all necessary maintenance, repair or correction of the user’s computer and other equipment. No content or part of the website should be relied on as a replacement or substitute for or be construed to be financial, medical, tax, or legal advice.

9.       Limitation of Liability

To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the Service, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We are not liable for any damages arising out of or related to your use of the Service, including but not limited to, direct, indirect, incidental, consequential, or punitive damages.

As a condition of use of this website, you agree to indemnify, defend and hold harmless, the company and its suppliers, each of their parent and affiliated companies, and each of their respective partners, suppliers, licensors, officers, directors, shareholders, members, employees, representatives, contractors and agents, from any and all claims (including, but not limited to, claims for defamation, trade disparagement, privacy and intellectual property infringement) and damages (including attorneys’ fees and court costs) arising from or relating to any allegation regarding: (a) your use of the website; (b) Our use of any content or information you provide or post; (c) information or material posted or transmitted through your account, even if not posted by you; and, (d) any violation of these terms by you.

If you are dissatisfied with any of our material, or with any of our Terms, your sole and exclusive remedy is to discontinue using the Website.

Under no circumstances, including, but not limited to, negligence, shall the company or its affiliates be liable for any direct, indirect, incidental, special, punitive or consequential damages, even if advised of the possibility of such damages, that result from: (a) the use of, or the inability to use, the content, website, b) unauthorized access to or alteration of your transmissions or data, the content, the website,; or (c) any errors or omissions in the content, website. You specifically acknowledge and agree that the company is not liable for any conduct of any user.

10.   Intellectual Property

The content of the Service, including the text, graphics, logos, images, and other materials (the “Content”), is protected by copyright, trademark, and other intellectual property laws. You may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works from, or otherwise exploit any Content without our prior written consent.

11.   Termination

We may terminate or suspend your access to the Service at any time, for any reason, and without notice.

12.   Governing Law

These Terms shall be governed by and construed in accordance with the laws of Mumbai, Maharashtra without regard to its conflict of law provisions.

All disputes arising in connection with this Agreement shall be finally settled under the Arbitration & Conciliation Act of 1996 by one or more arbitrators appointed in accordance with such Act. The venue of the arbitration shall be Mumbai, India and the language of the arbitration shall be English. The parties hereto undertake to keep the arbitration proceedings and all information, pleadings, documents, evidence and all matters relating thereto confidential. Neither party shall be entitled to commence or maintain any action in a court of law upon any matter in dispute until such matter has been submitted and decided by arbitration as herein provided and then only for the enforcement of the arbitrator’s award; provided, however, that the parties hereto shall be permitted to seek temporary or preliminary equitable relief in a court prior to the initiation or resolution of any arbitration proceeding hereunder. This provision shall remain in full force and effect notwithstanding any termination of Your use of the Website.

13.   Entire Agreement

These Terms constitute the entire agreement between you and us regarding your use of the Service.

14.   Contact Us

If you have any questions about these Terms, please contact us at neena@njdigit.com or call us on +91 – 9819434975