Terms & Conditions
This Agreement sets forth the terms and conditions that apply to the access and use of the Website www..com (the "Website/web application/mobile app."), which is operated and maintained by the authorised service provider of Innovage Investment Advisers Private Limited (hereinafter referred to as ("IIAPL" or “Advisor” or “ Innovage Advisor” ) , a company incorporated under the laws of India and registered under the Companies Act, 1956.
Request you to read these terms and conditions carefully before accepting the same. Your acceptance of the terms and conditions contained herein constitutes the agreement between you and the distributor for all the terms and conditions of use and the purpose as defined hereunder.
TERMS AND CONDITIONS
The Advisor reserves the right to make changes to the Terms and Conditions of Use at any time. Your continued use of the website/web application/mobile app. and/or Services shall mean your deemed acceptance of the modified terms.
- ACCEPTANCE OF TERMS
This Agreement describes the Terms governing the usage of the Services provided to you on the website/web application/mobile app. Clicking "I Agree" to the "Terms & Conditions" on the registration page, after you have read all the Terms and Conditions of the Agreement, shall be considered as your acceptance of this Agreement. Your continued usage of the services from time to time would also constitute acceptance of the Terms and Conditions including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.
Your electronic consent, accepting these Terms and Conditions, represents that you have the capacity to be bound by it. If you choose not to accept these Terms and Conditions, you will not be entitled to use the services. However, the Advisor has the option to reject your registration to this Website/web application/mobile app. without assigning any reasons whatsoever.
The Advisor reserves the right at its sole discretion to make changes to these terms, for such reason as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services, company re-organisation, market practice or customer requirements. Upon any change, the Advisor will notify the updated terms and conditions on the Website/web application/mobile app. or by other means. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by the terms and conditions as amended. If you do not agree to the changes in the said terms and conditions, you should discontinue your use of the services.
You can review the most current version of the Terms and conditions at any time by clicking the Terms & Conditions link on the login page of the website/web application/mobile app.
III. YOUR REGISTRATION
Upon successful registration to the advisory services, your account will be activated. You agree and understand that you are solely responsible for maintaining the confidentiality of your password, One-Time Password (OTP) which, together with your Login ID, allow you to access the service. That Login ID password and together with any mobile number or other contact information you provide form your "Registration Information".
By providing us with your email address and mobile number, you agree to receive all required notices and information electronically to that email address or mobile number. It is your responsibility to update any changes to your email address and mobile number. Notices will be system generated in the text of the email or through a link to the appropriate page on the Website/web application/mobile app., accessible through any standard, commercially available internet browser. If you become aware of any unauthorized use of your registration Information, you agree to notify the Advisor immediately at the customer service helpdesk, the details of which are available on the website/web application/mobile app. The Advisor shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or access occurred solely due to reasons directly attributable to the Advisor.
- ACCURATE REGISTRATION INFORMATION
You shall provide true, accurate, current and complete information about yourself and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services by the Advisor. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the website/web application/mobile app. or use of the services.
Any misrepresentation in providing the registration Information or shall render the Services void ab initio, but without any recourse to the Advisor. The Advisor shall not be held responsible for any reason whatsoever if the registration Information is incorrect at any point in time.
- ALERTS/ONLINE INFORMATION
The Advisor may send automatic alerts and voluntary account-related alerts from time to time. Certain voluntary account alerts may be turned on by default as part of the Services. You may customize, deactivate or reactivate these voluntary alerts based on your individual preferences and options available. The Advisor may add new alerts (automatic/voluntary/compulsory) from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert has different options available and you may be asked to select from among these options on activation of your alerts service.
The alerts will be sent to you electronically on your email address and/or mobile number as per your most recent Registration Information available with the Advisor. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts. You hereby agree and consent to receive all transactional alerts on the mobile number provided even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorize the Advisor to share/disclose the information to any third-party service provider or any affiliates, group companies, their authorized agents or third-party service providers.
However, sending of Short Messaging Service (SMS) and whatsapp alerts are subject to applicable regulations and also to your telecom service provider, as may be applicable from time to time. The Advisor cannot be held responsible for non-delivery or delay in delivery of SMS and whatsapp alerts to your mobile number.
You agree and understand that alerts are not encrypted. Alerts may include some of your personal and sensitive information. Anyone with access to your email/mobile will be able to view the content of these alerts; therefore, you should take proper care to prevent any unauthorized access to the said alerts to protect your own interests.
While the Advisor would endeavor to provide alerts under the Services in a timely and accurate manner, you understand and agree that any such alerts may be delayed or prevented by a variety of factors. You agree that the Advisor shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party, on the reliance of an alert. Further, the delivery of alert messages is subject to compliance of any local laws or guidelines, as may be enforced from time to time and you agree to abide by such compliance requirement, as and when notified by governing authorities.
- PRIVACY AND YOUR PERSONAL INFORMATION
The Advisor may transfer sensitive personal data or information to another Indian or overseas body corporate if it is necessary for the performance of Services, and you hereby consent to such data transfer.
You agree and understand that all Account Credentials of other Financial Institutions provided by you for your use/consolidated view are encrypted and stored by our Third-Party Service Provider.
VII. SERVICE PROVIDERS
The Services on the Website/web application/mobile app. are enabled through various service providers (authorised and third-party service providers) including but not limited to the following activities:-
- Maintenance and Operation of the website/web application/mobile app.
- Telecom Service Provider for Whatsapp & FB
- Web Services (AWS)
The Advisor reserves its right, in its sole discretion, to replace/appoint/re-appoint any or all third-party service providers to ensure uninterrupted provision of Services.
VIII. THIRD-PARTY LINKS/OFFERS
Certain parts of the Services could be supported by sponsored links from advertisers and display Advisor offers ("Advisor Offers") that may be custom matched to you based on information that’s stored in the Services, queries made through the Services, or any other information. You agree and understand that the Advisor will always disclose such information when a particular Advisor offer is sponsored.
In connection with Advisor Offers, the Services may provide links to website/web application/mobile app. belonging to such advertisers and other third parties, which are beyond the control of Advisor. The Advisor does not endorse, warrant or guarantee the products or services available through the Advisor Offers (or any other third-party products or services linked from our site), whether or not sponsored, and the Advisor shall neither be construed as an agent or broker of such advertisers or third parties, nor otherwise be responsible for the activities or policies of their website/web application/mobile app. The usage of such service, if any, shall be entirely on the basis of the terms and conditions between you and the service provider.
- ELIGIBILITY CRITERIA
You declare and confirm that you are a resident of India, above 18 (Eighteen) years of age, and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered herein.
- INVESTOR ACCOUNT OPENING
As a registered and active user of 5nance.com in case you avail the facility of advisory services through Investor Account Opening facility, you shall agree to the terms and conditions of Investment Account Opening facility (with KYC documentation or directly with KRA) separately available on the website/web application/mobile app. at the time of activation / transactions and all such transactions undertaken shall be subject to /governed by such terms and conditions.
- DEACTIVATION OF SERVICE(s) and TERMINATION OF AGREEMENT
You shall have an option to deactivate the service(s) by following the administrative rules prescribed by the Advisor from time to time. The termination/deactivation request(s) would be processed and you shall receive deactivation/termination intimation for your future records and reference. Deactivation/termination of services will automatically lead to the termination of this Agreement. Upon deactivation/termination of services, the Advisor shall refund the subscription fee, if any, paid either in whole or in part as per the refund policy.
The Advisor may, at any time, terminate this agreement with you immediately upon notice:
If you have breached any provision of this agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this agreement).
If the Advisor, in its sole discretion, believes it is required to do so by law or regulatory authority.
If you are found to upload any objectionable content.
If you have provided false and incorrect information as a part of your registration Information.
XII. INTELLECTUAL PROPERTY RIGHTS
The contents of the Website/web application/mobile app., including its "look and feel" (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are owned/licensed by/to the Advisor and/or its Third-Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws. You acknowledge and agree that the Advisor and/or its licensors or suppliers own all rights to this Website/web application/mobile app., the content displayed on the site and any intellectual or proprietary property and/or technology (in any form) made available to you as a part of or in conjunction with the services.
You are only permitted to use any of the foregoing as expressly authorized by these terms, and otherwise, by the services. You may download or print a copy of the information provided on this Website/web application/mobile app. for your personal, internal and non-commercial use only. You may not copy, re-print, reproduce (electronically or otherwise), distribute, or create derivative works from any content on the Website/web application/mobile app., in whole or in part, for any other purpose without our prior written consent. Further, you agree not to reverse engineer or reverse compile any technology associated with the services, including but not limited to any software applications or Java applets associated with the services content, from the website/web application/mobile app., in whole or in part.
XIII. Disclaimer of Warranties
you expressly understand and agree that your use of the services and all information, products, services and other content (including that of the third parties) included in or accessible from the services is at your sole risk. the services are provided on an "as is" and "as available" basis.
The advisor and its service providers expressly disclaim all warranties of any kind as to the services and all information, products, services and other content (including that of the third parties) included in or accessible from the services, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement without limiting the generality of the foregoing, the advisor and its third-party service providers are not responsible for the accuracy or reliability of any data from any third party or for any interruptions in the availability of any services, whether the result of actions by advisor , or any third party.
The advisor makes no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability or completeness of the content on the website/web application/mobile app. or of the services (whether or not sponsored by third-party service providers), and expressly disclaims any warranties of non-infringement or fitness for a particular purpose. the advisor makes no representation, warranty or guarantee that the content that may be available through the services is free of infection from any viruses or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitiously intercept or expropriate any system, data or personal information.
Categorization of your transactional information within the services is estimation provided for your information only, and the advisor disclaims all warranties of accuracy for any use, including without limitation, tax deduction. advisor and its service providers make no warranty that (i) the services will meet your requirements, (ii) the services will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the services will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the services will meet your expectations, and (v) any errors in the technology will be corrected.
Any material downloaded or otherwise obtained through the use of the services is done at your own discretion and risk and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by you from advisor or its service providers or through or from the advisor or its service providers, will create any warranty not expressly stated in these terms.
XIV. Limitation of Liability
You agree that neither the advisor nor any of its affiliates, subsidiaries, licensors, suppliers, service providers, third-party developers, account providers or any of their affiliates will be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, opportunity, goodwill, use, data or other intangible losses, even if the advisor has been advised of the possibility of such damages, resulting from (i) the use or the inability to use the services; (ii) the cost of getting substitute goods and services resulting from any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the advisor ; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of anyone on the service; (v) the use, inability to use, unauthorized use, performance or non-performance of any third-party account provider site, even if the provider has been advised previously of the possibility of such damages; or (vi) any other matter relating to the services.
Neither the advisor nor any of its affiliates , directors ,officers or employees, will be liable or have any responsibility of any kind for any direct or indirect loss or damage that you may incur in the event of any failure or interruption of this website/web application/mobile app., or resulting from the act or omission of any other party involved in making this website/web application/mobile app. or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the website/web application/mobile app. or these materials, whether or not the circumstances giving rise to such cause may have been within the control of the website/web application/mobile app. or of any vendor providing software or services support. in no event, will the advisor be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind.
In all cases, the maximum liability, if any, shall be restricted to the extent of refund of fees , if any paid by you, to the advisor for use of services which are offered by the advisor as per the refund policy, under no circumstances shall the advisor be liable for your using the services offered or provided by any third-party service provider.
- XV . Miscellaneous
The Advisor will try to make your experience with the website/web application/mobile app. a productive one. However, the Advisor cannot always foresee or anticipate technical or other difficulties. The Services may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that, except as explicitly stated otherwise in these Terms, the Services is provided "AS IS", without warranties of any kind. The Advisor does not assume responsibility for the timeliness, deletion, non-delivery, or failure to store any user data, communications, or personalization settings.
The Advisor and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Website/web application/mobile app., and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Advisor will not be responsible for any liability arising out of delay in providing any information on the website/web application/mobile app.
Service Changes and Discontinuation
The Advisor reserves the right to discontinue or suspend, temporarily or permanently, the Services, by giving 48 (forty-eight) hours' notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website/web application/mobile app. or maintain the security and integrity of the Services. You agree that the Advisor will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.
You shall not be entitled to avail of the Services without the use of a username and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. Please notify the Advisor immediately of any unauthorized use or access of your password or Account, or any other breach of security. The Advisor will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.
Customer Service Requests
If you request customer service assistance or report a problem with the Services, it may be necessary for the Advisor to access your Investor Account and view your account information. Through the Customer Services, the Advisor shall endeavor to provide assistance for usage of the Website/web application/mobile app. and the modules available on the website/web application/mobile app. www.5nance.com. However, the Customer Service of the Advisor shall not be liable for any incorrect data/information shared with the Customers which are provided by the respective Mutual Funds and other Financial Products providers including Fixed Deposits/Gold/Grams. The Service provided by the Customer Services of the Advisor shall not be deemed to offer any advisory services to the Customers.
You agree not to use the Services for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.
Access and Interference
You agree that you will not:
- Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Website/web application/mobile app., or any portion of the website/web application/mobile app., without the Advisor 's express written consent, which may be withheld at the Advisor 's sole discretion.
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website/web application/mobile app., other than the search engines and search agents available through the Services and other than generally available third-party web browsers (such as Microsoft Explorer).
- Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website/web application/mobile app. or the Services.
- Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website/web application/mobile app. or the Services.
Restrictions on commercial use or resale
Your right to use the services is personal to you; therefore, you agree not to resell or make any commercial use of the services.
Rights you grant to the Advisor as regards to the content you provide
Your usage of this website/web application/mobile app. provides an implied license to the Advisor and its service providers, to use, modify, display, distribute any information, data, materials, or other content you provide to the Advisor and that is retrieved from third-party sites at your request and new material created (collectively, "Content") for the purpose of providing the Services.
In addition, the Advisor welcomes your feedback as a user of the services. Any feedback you provide will become the confidential and proprietary information of the Advisor, and you agree that the Advisor may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to the Advisor. The Advisor shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback to the Advisor or other Advisor software or services.
All product and service marks contained on or associated with the Services that are not Advisor marks, are the trademarks of their respective owners. The Advisor would require you to respect the same. References to any such names, marks, products or services of third parties or hypertext links to third-party sites or information does not imply the Advisor 's endorsement, sponsorship or recommendation of the third party, information, product or services.
The services provided by the Advisor are not intended to provide any legal or tax related advice. You agree and understand that the Advisor is not and shall never be construed as a broker or tax advisor. The services are intended only to assist you in your financial organization and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the services may not be appropriate for your situation.
Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information from your broker or tax advisor who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimer provided on the website/web application/mobile app.
Under no circumstances shall the Advisor and any of its Third-Party Service Providers be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, earthquake, pandemic, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.
You agree to protect and fully compensate the Advisor , its affiliates, subsidiaries, licensors, suppliers and service providers, employees, officers and directors, third-party service providers and its affiliates, from any and all third-party claims, liability, damages, expenses and costs (including but not limited to reasonable attorney’s fees) caused by or arising from your use of the Services, your violation of the terms or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.
Third-Party Products and Service
The Advisor reminds you to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website/web application/mobile app., users may visit or be directed to sites containing information or material that may be offensive or inappropriate to some people. The Advisor makes no effort to review the content of these sites, nor is the Advisor or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.
In addition, the Advisor does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that the Advisor does not pre-screen content, but that the Advisor will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the devices.
You shall not assign your rights and obligations under this Agreement to any other party. The Advisor may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.
Neither the Advisor nor any of its third-party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing and signed by the Advisor. No delay or omission on the part of the Advisor or any of its Service Providers and processor bank/merchants etc., in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
You agree that these Terms are the complete and exclusive statement of agreement between you and the Advisor and supersede any proposal or prior agreement, oral or written, and any other communications between you and the Advisor and its Third-Party Service Providers or processor bank/merchants relating to the subject matter of these Terms. These Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Advisor and/or the processor bank.
Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by the Advisor and you, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event that we are unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the two arbitrators. The venue for arbitration shall be Mumbai. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English.
Governing Law and Jurisdiction
The Website/web application/mobile app. specifically prohibits you from usage of any of its services in any countries or jurisdictions that do not corroborate to all stipulations of these Terms. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Mumbai having exclusive jurisdiction.
Terms of Communication
By providing your contact number to 5nance.com you are authorizing the Advisor, it's representatives & its business partners to give you a call or receive communications in all electronic forms to offer advisory services for the product/services you have opted for and for imparting product/service knowledge. All communications in electronic format will be considered to be in "writing". Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing the Advisor, its representatives all its business partners to give you a call for the above-mentioned purposes by leaving your contact number on our website/web application/mobile app.
Last Updated : 9 th June 2021
A. The Users agree and acknowledge that the subscription charges paid under any of the subscription plans for availing the investment advisory services shall be refundable on a pro-rata basis after deduction of the admin charges. The Company does not owe any other liability if the User decided to discontinue availing services or terminate the account or under any other circumstances whatsoever.
B. The User further acknowledges that in the event the User intends to upgrade from an existing plan to another plan during the subsistence of existing plan, the monies remaining unutilised under the existing plan would be utilised under the upgraded plan on pro-rata basis.
C. The User agrees and acknowledges that the Company may get privy to certain private and confidential information of the User at the time or during the course of subscription to investments plans. Such information will be utilised by the Company for internal purposes and will be kept confidential. However, the said information may be disclosed by the Company pursuant to compliance with any order of a competent court, authority or statute.
D. The Company reserves the right to cancel, discontinue, withdraw or modify the terms and conditions of any plan without assigning any reason whatsoever and without any prior notice to the Users. In such circumstances, the User shall be provided with proportionate refund of the subscription charges for the balance period within such reasonable time not exceeding 60 days.
E. The User agrees and confirms that refund shall be provided on pro-rata basis, in case the subscription to any plan is discontinued or terminated by the User, the details and information with respect to the subscription plans shall be made available by the Company only on its online platform. However, the Company may send promotional email, text messages etc. from time to time to update the Users about the subscription plans. The User gives consent to receive such emails, text messages etc. on the email address or phone number registered with the Company. In case of any change in the details as registered, the User shall inform the Company giving sufficient advance notice to effect the necessary changes in the records. The Company shall not be held liable for any omission in receipt of such reminders, messages etc. on account of change in email address, phone number or other details registered in the records of the Company.
F. The User agrees that the investment plan subscribed to by the User and the investment advise provided there under shall be for the sole consumption and use only by the User and not by any third party. The User shall not utilise the information under the investment plan or investment advice for any business, non-personal or illegal purposes or purpose other than investments through the online platform of the Company. The User agrees that it shall not recompile, disassemble, copy, modify, distribute, transmit, display, perform, reproduce, publish or create derivative works from, transfer, or sell any information, services etc accessed under any subscription plan, investment advice or otherwise. By accessing the details of any of the plans, whether subscribed or not, any unauthorised use of the same by the User shall be unlawful and subject to civil or criminal proceedings or penalties.