The information herein is believed to be reliable but Edme Insurance Brokers Limited, formerly known as Aditya Birla Insurance Brokers Limited (hereinafter referred as “EIBL”) does not warrant its accuracy or truthfulness. The contents of research reports, articles and the interpretation of data are solely the personal views of the contributors and the same may not be treated as the views of EIBL.

Neither any information nor any opinion provided herein constitutes a solicitation or offer by EIBL to buy or sell any securities, futures, options, or other financial instruments or provide any investment advice or services or insurance products or mutual fund units or any other financial products. EIBL or its employees, affiliates, directors and persons involved in preparation in this information may buy or sell or take possession in instruments dependent or independent of the opinion and information contained in the website at any time. The investment in securities is subject to market investment risk, the investment discussed and/or recommended herein may not be suitable for all the investors. The person using the information provided on this website may take investment decision after considering his/her investment objectives, risk factors and financial position. The information, opinions and material provided on this website are subject to change without any prior notice. EIBL may have business relationship with the companies mentioned herein and may enter or might have entered in to any contract or have any transaction in the ordinary course of its business.

EIBL 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 and also for any consequential loss or any damages caused because of non performance of the system due to computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reasons whatsoever. EIBL will not be responsible for any liability arising out of delay in providing any information on the Website.

EIBL may provide services of linked sites to the Users of the website, however it will not be responsible for the contents of such linked sites, neither does it endorse the content of the linked sites nor the services provided by such sites. This website is not intended for distribution to, or use by, any person in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. The investment services and products mentioned in the website may not be available in every jurisdiction / country.

This disclaimer clause shall be applicable to any person visiting/accessing this website and/or a customer entering into an agreement related to availing of the services offered by EIBL.

• 1. Edme Insurance Brokers Ltd. owns and operates the web site with the URL https://www.edmeinsurance.com/." target="_blank">https://www.edmeinsurance.com/.. The services of https://www.edmeinsurance.com/. are offered to you only if you are legally eligible to enter into a valid agreement as per the provisions on the Indian Contracts Act and you accept the terms, conditions, and notices contained herein without modification whatsoever. Please note carefully that by clicking on the "Submit" button, you are agreeing to be bound by all of the terms and conditions of https://www.edmeinsurance.com/. services.

• 2. You are requested to note that Insurance is a subject matter of solicitation and the information, tools and planners contained in the site, https://www.edmeinsurance.com/. are meant for your general information only and not to be used for deciding on your insurance requirements. You are specifically advised to contact one of our qualified Insurance Advisors for any of your particular insurance needs.

• 3. Mutual funds and securities investments are subject to market risks and there can be no assurance or guarantee that a scheme's objectives will be achieved. As with any investment in securities, the net asset value of units issued by mutual funds can go up or down depending upon factors and forces affecting capital markets.

• 4. To sign up for https://www.edmeinsurance.com/. membership, you must provide us your present and accurate information as given in the Registration Form. https://www.edmeinsurance.com/. reserves the right to accept or reject your application without assigning any whatsoever reason whatsoever.

• 5. If your application for registration is accepted, you will be provided with a password sent through a separate message mailed to your registered e-mail address. You are totally accountable for all actions that take place in your membership account. It is entirely your responsibility to maintain the confidentiality of your password and membership identification and also to inform https://www.edmeinsurance.com/. without delay of any dishonest, unauthorized or illegal use of your account.

• 6. https://www.edmeinsurance.com/. is committed to protecting your privacy subject to the Privacy Policy expressly stated elsewhere in the web site. You agree that you have read the contents of the Privacy Policy and are bound by it in every respect.

• 7. https://www.edmeinsurance.com/. offers the membership services for your authentic, bona fide, valid, legitimate and personal use only. You declare that you will not use https://www.edmeinsurance.com/. services for any purpose that is unlawful, dishonest, unauthorized, improper and/or in contradiction of the terms, conditions, and notices contained herein.

• 8. https://www.edmeinsurance.com/. expressly prohibits you from any unauthorized commercial use or resale of its services. You agree to comply with all rules, regulations, statutes, codes of conduct valid as per any local, state, national and international laws in force and are wholly responsible for all actions or lapses that take place through your membership account or password, including the content of your messages sent through https://www.edmeinsurance.com/. both online and off line.

• 9. https://www.edmeinsurance.com/. expressly prohibits you from engaging in any of the activities illustratively but not exclusively mentioned hereunder, but not limited to:

o Insult, exploit, torment, hound, intimidate or otherwise infringe the legal rights of others.

o Circulate, disseminate or propagate any improper, derisive, slanderous, infringing, vulgar, offensive, dishonest, criminal or illegal information or material.

o Fabricate a fake identity to mislead anyone in respect of the identity of the sender or the origin of a communication.

o Transmit any substance that contains viruses, Trojan horses, worms, time bombs, cancel bots, or any other harmful or deleterious programs.

o Send any content governed by intellectual property laws, rights of privacy or any other applicable law except in case you possess the rights thereto or have received all necessary consents.

o Obstruct or interrupt systems connected to the https://www.edmeinsurance.com/. services or infringe the rules, policies or procedures of such systems.

o Try to secure unauthorized access to the services provided by https://www.edmeinsurance.com/. ,computer systems or networks connected to https://www.edmeinsurance.com/. , other members' accounts, through password hacking or any other method. o Infringe any applicable laws or regulations including, without limitation, laws relating to the information technology in India or elsewhere.

o Obstruct another member's use and enjoyment of the services offered by https://www.edmeinsurance.com/.

o Use https://www.edmeinsurance.com/. or its services to conduct surveys, competitions, pyramid schemes, chain letters, unsolicited e-mail, or unwanted messages for profit or otherwise.

o Dig for or otherwise gather information about others members, including e-mail addresses, without their consent. Provided further, that it shall not be binding on birlasunlife.com to part with such information even if the consent is obtained.

• 10. You specifically agree to indemnify https://www.edmeinsurance.com/. , its parents, subsidiaries, affiliates, directors, officers and employees, any loss, claim, demand, or damage, including legal expenses, incurred due to or arising out of your use of or conduct in respect the services offered by https://www.edmeinsurance.com/.

• 11. https://www.edmeinsurance.com/. not responsible for monitoring its services or any User's use thereof or restrain or regulate the messages, content or subject matter of any User delivered through the services offered by https://www.edmeinsurance.com/.

• 12. Nevertheless, https://www.edmeinsurance.com/. reserves the right always to regulate, restrain, monitor, review, retain and/or divulge any information as necessary to satisfy any applicable rules, regulation, law, court or government order or to protect and defend the rights of other Users or to enforce the terms of service which are binding on all the Users of https://www.edmeinsurance.com/.

• 13. https://www.edmeinsurance.com/. reserves the right to terminate your access to the site wholly or partially and/or cancel your membership account, at any time without assigning any reason or giving notice whatsoever.

• 14. https://www.edmeinsurance.com/. is not responsible or accountable for any intimidating, offensive, vulgar obscene, improper or illegal content or conduct of any member or any breach of another member's privacy or privileges or intellectual property rights.

• 15. https://www.edmeinsurance.com/. obtains information and data contained in this web site from various sources it believes to be reliable, but it does not guarantee its accuracy, validity, timeliness, reliability or completeness. https://www.edmeinsurance.com/. is under no obligation to update the information on the web site or to provide data that reflect the current state of affairs. https://www.edmeinsurance.com/. does not stipulate or warrant that its services will be uninterrupted or free of errors or that defects will be corrected, or that the services or the server that makes it available, are free of viruses or other unsafe components. You expressly agree that https://www.edmeinsurance.com/. shall not be responsible for unauthorized access to and/or erroneous alteration of your messages, transmissions, data, material sent or received or not sent or received, or any communication entered into through the use of its services.

• 16. https://www.edmeinsurance.com/. ,nor any of its affiliates, directors, officers or employees, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site 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 site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of https://www.edmeinsurance.com/. or of any vendor providing software or services support. In no event will https://www.edmeinsurance.com/. be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if https://www.edmeinsurance.com/. or any other party have been advised of the possibility thereof.

• 17. You expressly agree that no part of the material available in the site may be copied or duplicated in any form or redistributed by any means for commercial purposes, directly or indirectly. If you download any information or software from this site, you agree that you will use it exclusively for your personal and non-commercial purposes and not copy it, remove, or obscure any copyright or other notices or legends contained in any such information.

• 18. https://www.edmeinsurance.com/. may refer to or provide information or links to third party sites only as a matter of User convenience. https://www.edmeinsurance.com/. expressly states that such inclusion of any references, information or links do not imply or endorse the services or content offered by such third party sites nor it implies any association of https://www.edmeinsurance.com/. with those sites. You agree that the linked sites are not under the control of https://www.edmeinsurance.com/. and https://www.edmeinsurance.com/. is not responsible for the services or contents of any referred or linked or third party site or for web casting or any other form of transmission received from any such third party referred or linked sites.

• 19. https://www.edmeinsurance.com/. ,its parents, subsidiaries, affiliates, directors, officers, employees or dealers shall under no circumstances be liable for any direct, indirect, punitive, incidental, special, consequential damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the service or related web sites, with the delay or inability to use the service or related web sites, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the service, or otherwise arising out of the use of the service, whether based on contract, tort, negligence, strict liability or otherwise, even if https://www.edmeinsurance.com/. its parents, subsidiaries, affiliates, directors, officers, employees or dealers or any of its suppliers have been advised of the possibility of such damages.

• 20. To facilitate User convenience, https://www.edmeinsurance.com/. may arrange for advertisements, promotions and refer to or provide information or links to third party sites in respect of any investment or non-investment related products or services. https://www.edmeinsurance.com/. expressly states that such inclusion of any links, references or information do not imply or endorse the merchantability, suitability for a specific purpose of such products or services. You specifically agree that any transactions with Advertisers on the products or services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such transactions or promotions, are solely between you and the Advertiser or other third party. https://www.edmeinsurance.com/. shall not be responsible or liable for any part of any such dealings or promotions.

• 21. You specifically agree that neither the information nor any opinion expressed should be construed as an offer to sell or the solicitation of an offer to buy any security. You also agree that not all instruments, products, or services that may be mentioned in https://www.edmeinsurance.com/. are available in all countries, and no part of the site here is an offer or solicitation of any instrument, product or service in any jurisdiction where their offer or sale is not qualified or exempt from regulation.

• 22. https://www.edmeinsurance.com/. expressly states that incomes, yields, returns indicated may fluctuate depending on the market conditions and past performance of any product or scheme is not a guide to its future performance. You agree that investments inherently involve risks and https://www.edmeinsurance.com/. shall not be responsible for any loss or damage that could result from any action you may take basing on any information made available to you via https://www.edmeinsurance.com/.. You are specifically advised to seek professional financial advice regarding the appropriateness of investing in any securities or investment strategies discussed or recommended in this site and should understand that statements regarding future prospects may not be realized.

• 23. https://www.edmeinsurance.com/. reserves the right to change any or all of the terms and conditions any time under which the services are offered. In the event of such change, https://www.edmeinsurance.com/. notifies all Users by presenting the revised terms and conditions on the https://www.edmeinsurance.com/. web site. You agree that it is your responsibility to regularly review the terms and conditions and your continued use of https://www.edmeinsurance.com/. services subsequent to any such changes shall represent your agreement to such changes.

• 24. https://www.edmeinsurance.com/. 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 and conditions. You agree that disputes if any arising as a result of this agreement or out of the usage of the services offered by https://www.edmeinsurance.com/. are subject to the jurisdiction of courts in Mumbai, India.

• 25. The content provided by any Third Party service provider is exclusive of any warranty whatsoever, including satisfactory quality fitness for a particular purpose, originality and non-infringement, and all warranties arising out of course of performance, course of dealing and usage of trade or their equivalents under the laws of any jurisdiction, the Third Party service provider's provisions of content shall not be deemed to be investment management or advisory services.