LEGAL NOTICE & DISCLAIMER
By access and use of this Website (the "Site"), you accept and agree to be bound by and comply with these legal terms of use (the "Disclaimer"). By using this Web site, you represent that you have read and understood these terms and conditions and agree to be bound by these terms and conditions. Furthermore, by using this Web site, you represent that (i) you have the capacity to be bound by these terms and conditions and (ii) if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity.

GENERAL
All products and services in the pages of the Site are subject to the terms and conditions of the applicable agreements governing their use, which may change from time to time. The Disclaimer is to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site and in the Product Specific Legal disclaimers. In the event of any conflict, the terms provided in the pages of the Site and in the Product Specific Legal disclaimers will govern. The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the terms provided in the pages of the Site. Information provided on the Site, including rates, is believed to be reliable when posted, but there is no guarantee that it is accurate or complete or current at all times. Due to the dynamic nature of the Internet, resources that are free and publicly available one day on the site may require a fee or restrict access the next day, and the location of items may change as menus, homepages, and files are reorganized. User expressly agrees that use of the site is at the user's sole risk and prerogative. No material may be modified, edited or taken out of context such that its use creates a false or misleading statement or impression as to the positions, statements or actions of Vatika.

CONDITIONS FOR PRODUCTS AND SERVICES
The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. The various products and services are being offered herein are with a specific understanding that the same are being availed within the frame work of the laws of India and / or are not opposed to / in contravention to public policy. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.

CONFIDENTIALITY
The Vatika Group will treat all information regarding you as confidential. Vatika will not in the ordinary course disclose any information that it holds about you except in the following circumstances: 1. where Vatika is compelled to do so under the Indian law; 2. where you have provided your prior written authorization to do so; 3. where it is in the interest of Vatika to do so; or 4. where it is in the public interest to do so. 5. where Vatika needs to disclose information to other financial institutions. Vatika may be required to disclose information about you to third parties to facilitate the provision of services to you. You may not use or export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations in force from time to time.

NO WARRANTIES
Vatika and any of its affiliates, subsidiaries, officers, directors, employees or agents provide the Site and the Information on an "as is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, current ness, reliability and fitness for a particular purpose. Further, Vatika does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

FORWARD-LOOKING STATEMENTS
The site may from time to time contain forward-looking statements that include information about Vatika's financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. The user is hereby cautioned that actual results could differ materially from those that Vatika expects, depending on the outcome of certain factors. Vatika does not undertake any obligation to correct or update any forward-looking statements on the site.

TRADE-MARKS AND COPYRIGHTS
Vatika reserves all copyright, trademark, patent, intellectual and other property rights in the information contained in this website and to all company specific logos and services logos and no express or implied license is granted in respect thereof. Any unauthorized access, use or reproduction of the information or proprietary rights contained in this site is strictly prohibited and is subject to such action as provided in applicable laws. No information on this website should be reproduced or distributed without the prior written consent of Vatika. The Information is for your personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the Site may be a violation of any law that may apply to trade-marks and/or copyrights and could subject the copier to legal action.

INTERNET E-MAIL
Any unprotected e-mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential and is subject to possible interception or loss, and is also subject to possible alteration. Vatika is not responsible for and will not be liable to you or any one else for any damages in connection with an e-mail sent by you to Vatika or an e-mail sent by Vatika to you at your request or on an ad-hoc basis.

NO LIABILITY
Vatika is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if Vatika has been advised of the possibility of these damages.

JURISDICTION
Vatika controls and maintains this site from India. Vatika makes no representation that the information and material contained in this site is appropriate or permitted for use in jurisdictions outside India. The terms and conditions are governed by the laws of India without giving effect to any principles of conflicts of laws. The Site for the user subject to the exclusive jurisdiction of the courts of India without prejudice to the right of Vatika to take an action in any jurisdiction whatsoever.

ALL RIGHTS RESERVED.