This website (the "Site") is published and maintained by A K Fintech Private Limited ("SURAKSHAMITRA"), a company incorporated and existing in accordance with the laws of the Republic of India. When you access, browse or use this Site you accept, without limitation or qualification, the terms and conditions set forth below. When you access any sub-site (whether belonging to an ‘associate’ of SURAKSHAMITRA or otherwise) through this site, then such sub-site may have its own terms and conditions of use which is specific to such sub-site. Sub-sites may contain such additional terms and conditions of use as may be set out in such sub-site.

These Terms and Conditions of Use and any additional terms posted on this Site together constitute the entire agreement between SURAKSHAMITRA and you with respect to your use of this Site.

Site and Its Contents: This Site is only for your personal use. You shall not distribute exchange, modify, sell or transmit anything you copy from this Site, including but not limited to any text, images, audio and video, for any business, commercial or public purpose.

As long as you comply with the terms of these “Terms and Conditions of Use”, SURAKSHAMITRA grants you a non-exclusive, non-transferable, limited right to enter, view and use this Site. You agree not to interrupt or attempt to interrupt the operation of this Site in any way.

Access to certain areas of the Site may only be available to registered members. To become a registered member, you may be required to answer certain questions. Answers to such questions may be mandatory and/or optional. You represent and warrant that all information you supply to us, about yourself, and others, is true and accurate.

Ownership: All materials on this Site, including but not limited to audio, images, software, text, icons and such like (the "Content"), are protected by copyright under international conventions and copyright laws. You cannot use the Content, except as specified herein. You agree to follow all instructions on this Site limiting the way you may use the Content.

There are a number of proprietary logos, service marks and trademarks found on this Site whether owned/used by SURAKSHAMITRA or otherwise. By displaying them on this Site, SURAKSHAMITRA is not granting you any license to utilize those proprietary logos, service marks, or trademarks. Any unauthorized use of the Content may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil and criminal statutes.

You may download such copy/copies of the Content to be used only by you for your personal use at home unless the sub-site you are accessing states that you may not. If you download any Content from this Site, you shall not remove any copyright or trademark notices or other notices that go with it.

Others rights: If this Site contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities, you agree to use the same only to send and receive messages and materials that are proper and related thereto. By way of example and not as a limitation, you agree that when using the Site or any facility available here from, you shall not do any of the following:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others
• Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information
• Upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy and publicity) unless the User owns or controls the rights thereto or has received all consents therefore as may be required by law
• Upload or attach files that contain viruses, corrupted files or any other similar software or programs that may damage the operation of another’s computer
• Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded
• Falsify the origin or source of software or other material contained in a file that is uploaded
• Advertise or offer to sell any goods or services, or conduct or forward surveys, contests or chain letters, or download any file posted by another user of a Forum that the User knows, or reasonably should know, cannot be legally distributed in such manner.

User's Material: You are prohibited from posting or transmitting any defamatory, libelous, obscene, pornographic, profane, threatening or unlawful material or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law.

SURAKSHAMITRA assumes no liability or responsibility arising from the contents of any communications containing any defamatory, erroneous, inaccurate, libelous, obscene or profane material. SURAKSHAMITRA may change, edit, or remove any user material or conversations that are illegal, indecent, obscene or offensive, or that violates SURAKSHAMITRA's policies in any way.

SURAKSHAMITRA will fully cooperate with any law enforcement authorities or court order requesting or directing SURAKSHAMITRA to disclose the identity of anyone posting such materials.

SURAKSHAMITRA Rights: If you send any communications or materials to the Site by electronic mail or otherwise, including any comments, data, questions, suggestions or the like, all such communications are, and will be treated by SURAKSHAMITRA, as non-confidential. You hereby give up any and all claim that any use of such material violates any of your rights including moral rights, privacy rights, proprietary or other property rights, publicity rights, rights to credit for material or ideas, or any other right, including the right to approve the way SURAKSHAMITRA uses such material.

Any material submitted to this Site may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, transmitted or used by SURAKSHAMITRA anywhere in the world, in any medium, forever.

Transmitted Material: Internet transmissions are never completely private or secure. You understand that any message or information you send to this Site may be read or intercepted by others unless there is a special notice that a particular message (for example, credit card information) is encrypted (send in code). Sending a message to SURAKSHAMITRA does not cause SURAKSHAMITRA to have any special responsibility to you.

The copyright in the contents of this website belong to SURAKSHAMITRA. Accordingly, SURAKSHAMITRA reserves all rights. Copying of part or all the contents of this website without permission of SURAKSHAMITRA is prohibited except to the extent that such copying/printing is necessary for the purposes of availing of the paid services provided.

Disclaimer The material in this Site could include technical inaccuracies or typographical errors. SURAKSHAMITRA may make changes or improvements at any time.

The materials on this site are provided on an “As Is” basis, without warranties of any kind either expressed or implied. To the fullest extent permissible pursuant to applicable law, SURAKSHAMITRA disclaims all warranties of merchantability and fitness for a particular purpose.

SURAKSHAMITRA does not warrant that the functions contained in this site will be uninterrupted or error free, that defects will be corrected, or that this site or the servers that make it available are free of viruses or other harmful components, but shall endeavor to ensure your fullest satisfaction.

SURAKSHAMITRA does not warrant or make any representations regarding the use of or the result of the use of the material on the site in terms of their correctness, accuracy, reliability, or otherwise, insofar as such material is derived from other service providers such as (Insurance Companies, wellness and healthcare service providers, etc.

You acknowledge that this Website is provided only on the basis set out in these terms and conditions. Your uninterrupted access or use of this Website on this basis may be prevented by certain factors outside our reasonable control including, without limitation, the unavailability, inoperability or interruption of the Internet or other telecommunications services or as a result of any maintenance or other service work carried out on this Website. SURAKSHAMITRA does not accept any responsibility and will not be liable for any loss or damage whatsoever arising out of or in connection with any ability/inability to access or to use the Site.

SURAKSHAMITRA will not be liable to you or to any other person for any direct, indirect, incidental, punitive or consequential loss, damage, cost or expense of any kind whatsoever and howsoever caused from out of your usage of this Site.

Notwithstanding anything else to the contrary contained elsewhere herein or otherwise at law, SURAKSHAMITRA’s liability (whether by way of indemnification to you or otherwise) shall be restricted to a maximum of INR 100 (Indian Rupees One Hundred only). Availability of the products and services displayed on the Site may not be available for purchase in your particular country or locality. The reference to such products and services on the Site does not imply or warrant that these products or services will be available at any time in your particular geographical location. You should check with your local SURAKSHAMITRA authorized representative for the availability of specific products and services in your area.

Terms and Conditions of Use: SURAKSHAMITRA may add to, change or remove any part of these Terms and Conditions of Use at any time, without notice. Any changes to these Terms and Conditions of Use or any terms posted on this Site apply as soon as they are posted. By continuing to use this Site after any changes are posted, you are indicating your acceptance of those changes.

SURAKSHAMITRA may add, change, discontinue, remove or suspend any other Content posted on this Site, including features and specifications of products described or depicted on the Site, temporarily or permanently, at any time, without notice and without liability.

SURAKSHAMITRA reserves the right to undertake all necessary steps to ensure that the security, safety and integrity of SURAKSHAMITRA's systems as well as its clients’ interests are and remain, well-protected. Towards this end, SURAKSHAMITRA may take various steps to verify and confirm the authenticity, enforceability and validity of orders placed by you.

SURAKSHAMITRA reserves its exclusive right in its sole discretion to alter, limit or discontinue the Site or any material posted herein, in any respect. SURAKSHAMITRA shall have no obligation to take the needs of any User into consideration in connection therewith. SURAKSHAMITRA reserves its right to deny in its sole discretion any user access to this Site or any portion hereof without notice. No waiver by SURAKSHAMITRA of any provision of these Terms and Conditions shall be binding except as set forth in writing and signed by its duly authorized representative. If any dispute arises between you and SURAKSHAMITRA during your use of the Site or thereafter, in connection with and arising from your use or attempt to use this Site, the dispute shall be referred to arbitration. The place of arbitration shall be Ahmedabad. The arbitration proceedings shall be in the English language.

The said arbitration proceedings shall be governed and construed in accordance with the Arbitration and Conciliation Act, 1996 and modifications thereof as in force at the relevant time. These terms and conditions are governed by and shall be construed in accordance with the laws of the Republic of India and any dispute shall exclusively be subject to the jurisdiction of the appropriate Courts situated at Ahmedabad, Gujarat, India.