Honestbuck is an initiative powered and supported by Quantum Information Services Pvt. Ltd.
Acceptance of Terms
Intellectual Property Rights (IP)
Links to third Party Sites
This Web- Site may contain links to Web Sites operated by parties other than PersonalFN and the users can apply for third party products through this website. The links in this Site will let the User leave www.personalfn.com and proceed to the linked site. The products offered by the third party are not provided and /or recommended by PersonalFN but are instead provided by third parties over whom PersonalFN does not have control; nor does PersonalFN act as their agent. The user should access and use these third party websites and products at his sole risk and discretion.
Access Restriction/ Fees
PersonalFN reserves the right to deny, in its sole discretion, any User access to this Web Site or any portion thereof without notice or justification. Further PersonalFN reserves the right at any time to charge fees for access to any service provided by it. It shall put up a notice to this effect with necessary details at the relevant point of time.
Registration and subscription:
1 If you wish to receive access to the restricted content of the Website you will need to register (as a Registered User) or subscribe (as a Subscriber) with us and the following provisions of this Clause will apply.
1.1 You agree to:
a) provide true, accurate, correct and complete information which you are required to provide when you register or subscribe as a user of the Website, whether in respect of the Subscription Services or the Free Services ("Personal Information"); and
b) notify us immediately of any changes to the Personal Information.
c) receive calls, sms or emails regarding our products or services and various promotional offers for solicitation.
d) You agree not to: impersonate any other person or entity or to use a false name or a name that you are not authorised to use, or disclose your password or user name to any other person, or allow your password or user name to be used by any other person to access the Services.
e) We reserve the right to decline any application from you to register or subscribe as a user of the Subscription Services and/or the Free Services at our sole discretion. If you are accepted you will receive from us a user name and password. If you are allowed to select a user name, we reserve the right to modify such or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.
f) We reserve the right to terminate your account (including user name and password) if any Personal Information is untrue, inaccurate, out-of-date or incomplete.
1.1 agree not to use the website(s) and/or the services (or any part thereof) for any illegal purpose and agree to use it in accordance with all relevant laws;
1.2 agree not to upload or transmit through the website(s) and/or the services any computer viruses, macro viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer;
1.3 will not upload or transmit through the website(s) and/or the services any material which is defamatory, offensive, or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;
1.4 will not use the website(s) and/or the services in a way that may cause the website(s) and/or the services to be interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the website(s) and/or the services is in any way impaired;
1.5 will not use the website(s) and/or the services in any manner which violates or infringes the rights of any person, firm or company (including, but not limited to, rights of intellectual property, rights of confidentiality or rights of privacy);
1.6 will not attempt any unauthorised access to any part or component of the website(s) and/or the services;
1.7 agree that in the event that you have any right, claim or action against any Users arising out of that User's use of the website(s) and/or the services, then you will pursue such right, claim or action independently of, and without recourse to us; and agree not to allow any third party directly or indirectly to use your subscription, user name or password.
Limits on Personal and Non-Commercial Use
The User expressly agrees to use the Service strictly for personal purpose. The User shall not recompile, disassemble, copy, modify, distribute, transmit, display, perform, reproduce, publish or create derivative works from, transfer, or sell any information, software, products, tools or services accessed from this web site. User may not rent, lease, sell, sublicense, lend or in any manner allow any other party to use the Service, with or without consideration. By viewing the contents of this website you agree this condition of viewing and you acknowledge that any unauthorized use is unlawful and may subject you to civil or criminal penalties.
Disclosure: Conflict of Interest
Quantum Information Services Pvt. Ltd. (PersonalFN) is, as per SEBI (Mutual Funds) Regulations 1996, an associate / group Company of Quantum Asset Management Company Private Limited and Trustees and Sponsor of Quantum Mutual Fund (QMF) and to that extent there may be conflict of interest while acting as a distributor or recommending any schemes of QMF. However any such recommendation or reference made is based on the standard evaluation and selection process, which applies uniformly for all Mutual Fund Schemes. The payment of commission (upfront /annualized & trail), if any, for any Schemes by QMF to PersonalFN is also at arm’s length and as per prevailing market practices.
PersonalFN also receives fees for providing research to Quantum Equity Fund of Fund (QEFoF) which is Fund of Fund scheme managed by QMF.
HYPERLINKING TO SITE AND REFERENCING SITE PROHIBITED:
Unless expressly authorized by website, no one may hyperlink this site, or portions thereof, (including, but not limited to, logotypes, trademarks, branding or copyrighted material) to theirs for any reason. Further, you are not allowed to reference the url (www.personalfn.com) in any commercial or non-commercial media without express permission. You specifically agree to cooperate with the Website to remove or de-activate any such activities and be liable for all damages.
The website assumes no responsibility for damage to computers or software of the visitor or any person the visitor subsequently communicates with from corrupting code or data that is inadvertently passed to the visitor's computer. Again, visitor views and interacts with this site, or banners or pop-ups or advertising displayed thereon, at his own risk.
The views, opinions and comments posted are your, and are not endorsed by this website. You shall be solely responsible for the comment posted here. PersonalFN reserves the right to publish, edit, modify, delete, reject, or otherwise remove any views, opinions and comments posted or part thereof.
You shall ensure that the comment is not inflammatory, abusive, derogatory, defamatory &/or obscene, or contain pornographic matter and/or does not constitute hate mail, or violate privacy of any person (s) or breach confidentiality or otherwise is illegal, immoral or contrary to public policy. Nor should it contain anything infringing copyright &/or intellectual property rights of any person(s).
User Comments are made available to you for your information and personal non-commercial use solely as intended through the normal functionality of the PersonalFN Service. User Comments shall not be used, downloaded (either permanently or temporarily) copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, downloaded, or otherwise exploited in any manner.
Limitation of liability
The User agrees that neither PersonalFN nor its directors or employees shall be liable for any direct, indirect, incidental, special or consequential damages, resulting from the use/delivery/performance or the inability to use/deliver/perform the Service or for cost of procurement of substitute goods and repair & correction services or resulting from the Services subscribed to or obtained or messages received or transactions entered into through or of User's transmissions or data, even if PersonalFN or its employees have been advised of the possibility of such damages.
The User further agrees that PersonalFN shall not be liable for any damages arising from interruption, suspension or termination of Service, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent.
Use of Password
User shall be responsible for creating and safe keeping of his Password. In the event a User is given a password by PersonalFN, the User shall ensure that such password is kept in a secure manner. User may not assign his/her password obtained to any person or entity without the prior written consent of PersonalFN. PersonalFN does not have access to such password since it is generated randomly on the PersonalFN system, encrypted and passed on to the User. User shall bear all responsibility of keeping the password secure and in the event that the User incurs any liability to PersonalFN or any other third party as a result of the password being used by third parties, or due to improper use of the password, User shall, without limitation, bear all such liability. Notwithstanding anything contained herein, in the event any liability arising to the User as a consequence of any of PersonalFN's employees accessing the User's password without authorization shall be borne by the User.
Visitor agrees as a condition of viewing, that any communication between Visitor and Website is deemed a submission. All submissions, including portions thereof, graphics contained thereon, or any of the content of the submission, shall become the exclusive property of the Website and may be used, without further permission, for commercial use without additional consideration of any kind.
We have the right, but not the obligation, to monitor any activity and content associated with the website(s) and/or the services. We may investigate any reported violation of these Conditions or complaints and take any action that we deem appropriate (which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials on the website(s) and/or the services).
Governing Law and Jurisdiction
All Users of the Service in countries other than India understand that by using the Service, they may be violating the local laws in such countries. If the User chooses to access the Service from outside India, he shall be responsible for compliance with foreign and local laws. The Users agree that they will solely be liable for any liability incurred by them in this regard and will indemnify PersonalFN for any liability PersonalFN may incur in any foreign jurisdiction as a consequence of citizens / residents of countries other than India using the Service. This service does not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
Please Note: The Securities and Exchange Commission of USA does not allow us to offer our personalized services which include Financial planning, Mutual Fund Portfolio Review Service, PersonalFN Wealth Building Service and Wealth Planning Services to USA based NRIs.
PersonalFN reserves the right to reproduce in part or full clients views about its services in its product promotions or in its communications with prospective clients. Clients who do not wish their views to be used as above may intimate PersonalFN in writing to this effect.
In addition to the general restrictions above, the following specific restrictions and conditions apply to your use of content on the PersonalFN Website.
The content on the Website, except all User Submissions (as defined below), including without limitation, the text, software, scripts, graphics, photos, interactive features and the like ("Content") and the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to PersonalFN, subject to copyright and other intellectual property rights under the law. Content on the Website is provided to you AS IS for your information and personal use only and shall not be copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the PersonalFN. PersonalFN reserves all rights not expressly granted in and to the Website and the Content.
You may access PersonalFN Content and other content only as permitted under these terms. PersonalFN reserves all rights not expressly granted in and to the PersonalFN Content and the PersonalFN Service.
You agree to not engage in the use, copying, or distribution of any of the Content of the Website for any commercial purposes.
You agree not to circumvent, disable or otherwise interfere with security-related features of the PersonalFN Website or features that prevent or restrict use or copying of any Content or enforce limitations on use of the PersonalFN Website or the Content therein.