Policies that apply to your account and use of this site
A. User Consent to the TOS.
You represent that you have read and agree to be bound by the TOS.
B. Intellectual Property
All content presented on Moneymunch.com including graphics, logos, images, audio clips, videos, and slogans are the exclusive property of Moneymunch.com (“MM”) or its affiliates and protected by international copyright laws.
1. You can safely publish our content on your website(s) by following these rules:
i. You may share / reprint only static content that is available on our website for not logged-in users. If viewing a part of the content that you’re considering sharing is possible only after logging into the website, then you may not share / reprint it.
ii. Each part of our website that you decide to share / reprint must be accompanied by a link to the part of the website where it was originally located (including RSS).
iii. If you’re posting our entire essays, you may not change them in any way (remove paragraphs, links, charts etc.). You may quote a part of a given essay, if it is accompanied by a clear indication that the full version is available on our website along with a link to the full version.
iv. Some of our tools will have a “demo” version that will be accessible without being logged in. Taking screenshots from this demo version and publishing is allowed if the screenshot is accompanied by a link to the page on our website with this particular tool with proper description*. Framing our tools or reposting them in their interactive form in any other way is forbidden regardless of whether they are available to not logged-in users or not.
2. You can freely use our RSS feed (as described in B 1 ii).
C. Restrictions on Use
Reproduction of news articles, photos, videos or any other content in whole or in part in any form or medium without express written permission of MoneyMunch.com is prohibited.
You may not use any of the trademarks, trade names, service marks, copyrights, or logos of Moneymunch in any manner which creates the impression that such items belong to or are associated with you or are used with Moneymunch’s consent, and you acknowledge that you have no ownership rights in and to any of such items.
You may neither interfere with nor attempt to interfere with nor otherwise disrupt the proper working of the Service, any activities conducted on or through the Service or any servers or networks connected to the Service. You may neither obtain nor attempt to obtain through any means any materials or information on the Service that have not been intentionally made publicly available either by public display on the Service or through accessibility by a visible link on the Service. You shall not violate the security of the Service or attempt to gain unauthorized access to the Service, data, materials, information, computer systems or networks connected to any server associated with the Service, through hacking, password timing or any other means. You may neither take nor attempt any action that, in the sole discretion of Moneymunch.com, imposes or may impose an unreasonable or disproportionately large load or burden on the Service or the infrastructure of the Service. You shall not use or attempt to use any “scraper,” “robot,” “bot,” “spider,” “data mining,” “computer code,” or any other automate device, program, tool, algorithm, process or methodology to access, acquire, copy, or monitor any portion of the Service, any data or content found on or accessed through the Service, or any other Service information without the prior express written consent of Moneymunch.com. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any other content.
D. Subscription Terms
1. Payment Policy
Subscriptions purchased via Moneymunch.com/subscriptions are billed either monthly, quarterly, half-yearly, annually, or three-yearly. The subscriber must renew their subscription once the subscription period is over, or it will automatically cancel. If the subscriber subscribed under an introductory offer, their payment method on file will be charged for the full price of their subscription at the end of the introductory period. All subscriptions are listed in US Dollars ($) and Indian Rupees.
2. Cancellation & Refund Policy
i. Different Services (and sometimes specific offers) have different refund policies, including some that offer no refunds. The subscriber must review the specific terms of their offer before signing up, as they are agreeing to be bound by those terms. If the subscriber is unsure of their cancellation rights, they should contact Member Support.
ii. Please note that most refunds are only available to first-time subscribers. If the subscriber subscribes to a Service that allows for refunds beyond 24 hours, and then cancels (and receives a refund) and subscribes again, they will not receive a refund after the first 24 hours.
iii. If the subscriber remains in no loss or no profit, or profit, under the first 24 hours of the subscription period, they are not eligible to apply for a refund.
iv. Refunds are not available for purchases of eBooks or Videos. By completing a purchase, the user acknowledges and agrees that they will not be entitled to any refund, exchange, or credit for any reason whatsoever.
v. From time to time, Moneymunch.com offers its premium services through third-party vendors. In such cases, the vendor’s refund policy would apply and may differ from the subscriber’s Service (or specific offer).
vi. The subscriber cannot transfer their subscription to someone else nor cancel it. For assistance in this situation, they should contact Member Services.
3. Acceptable Use
Access for Authorized Subscribers will be granted to an MM account associated with their Company/Organizational specific email address. The subscriber shall not use Moneymunch’s name, logo, trademark, service mark, or other designation in any manner without the prior written consent of MM. MM hereby grants to the Client a non-exclusive, non-transferable, non-sub-licensable license to allow its Authorized Subscribers to consume MM content for personal use and for internal work-related, research, and general awareness purposes.
E. Registration and Account Creation
As part of the registration and account creation process necessary to obtain access to certain portions of the Service, including those portions that require a fee or payment for access, you will select a username and a password. You will provide MM with certain registration information, all of which must be accurate, truthful, and updated. You shall not: (i) select a username already used by another person; (ii) create an account for anyone other than yourself without permission; (iii) use a username in which another person has rights without such person’s authorization; or (iv) use a username or password that MM, in its sole discretion, deems offensive or inappropriate. MM reserves the right to deny creation of your account based on MM’s inability to verify the authenticity of your registration information. You shall be solely responsible for maintaining the confidentiality of your password. You shall immediately notify MM by submitting FEEDBACK of any known or suspected unauthorized use(s) of your account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password or credit card information. You are fully responsible for all usage and activity on your account, including, but not limited to, use of the account by any third party authorized by you to use your username and password. You agree you will not sell, transfer or assign your membership or any membership rights. The use of your account by any individual under age eighteen (18) is strictly prohibited. If the computer system on which you accessed the Service is sold or transferred to another party, you warrant and represent that you will delete all cookies and software files obtained by or through use of the Service. MM reserves the right to terminate your account, in its sole discretion, at any time without notice. If we disable your account, you agree that you will not create another one without our permission. You may terminate your account at any time by submitting feedback. Upon termination, you will receive a confirmation via e-mail that the request was received, and your account will be terminated within five (5) business days. You are responsible for all charges incurred up to the time the account is terminated. Notwithstanding anything else herein, MM reserves the right to pursue any and all claims against any user of your account. You agree to maintain only one account with the Service at any time and certify that you currently have no other account(s) with the Service.
F. Disclaimer and Limitation of Liability
(i) YOU AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK AND ACKNOWLEDGE THAT THE SERVICE AND ANYTHING CONTAINED WITHIN THE SERVICE, INCLUDING, BUT NOT LIMITED TO, CONTENT, SERVICES, GOODS, OR ADVERTISEMENTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND THAT MONEYMUNCH MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SERVICE, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY, NON-INFRINGEMENT, TITLE, OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW FROM A COURSE OF DEALING OR USAGE OF TRADE. MONEYMUNCH DOES NOT WARRANT THAT THE AVAILABILITY OF OR THE FUNCTIONS CONTAINED IN THIS SITE OR THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THIS SITE, THE SERVICE OR SERVER DO NOT VIOLATE ANY PATENT OR OTHER INTELLECTUAL PROPERTY RIGHTS OF ANY PERSON OR ENTITY. MONEYMUNCH DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THIS SITE OR THE SERVICE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT MONEYMUNCH) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT FULLY APPLY TO YOU.
(ii) Moneymunch does not warrant that the Service is compatible with your equipment or that the Service, or e-mail sent by Moneymunch or its representative, is free of errors or viruses, worms or “Trojan horses,” or any other harmful, invasive, or corrupted files, and is not liable for any damage you may suffer as a result of such destructive features. You agree that Moneymunch and its directors, officers, employees, representatives, successors, and assigns shall have no responsibility or liability for: (i) any injury or damages, whether caused by the negligence of Moneymunch, its parent, or their respective affiliates, directors, officers, employees, representatives, general partner, subsidiaries, successors, and assigns, or otherwise arising in connection with the Service and shall not be liable for any lost profits, losses, punitive, incidental or consequential damages, or any claim against Moneymunch by any other party; or (ii) any fault, inaccuracy, omission, delay, or any other failure in the Service caused by your computer equipment or arising from your use of the Service on such equipment. The content of other Web sites, services, goods, or advertisements (“Third Party Sites”) that may be linked to the Service is not maintained or controlled by Moneymunch. Our provision of links to Third Party Sites is not an endorsement of any information, product or service that is offered on or reached through such Third Party Site Moneymunch is not responsible for the availability, content, or accuracy of other Web sites, services, or goods that may be linked to, or advertised on, the Service. Moneymunch does not: (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, the Service; (b) guarantee the accuracy, completeness, usefulness or adequacy of any other Web sites, services, goods, or advertisements that may be linked to the Service; or (c) make any endorsement, express or implied, of any other Web sites, services, goods, or advertisements that may be linked to the Service. If you decide to leave this site and access the Third Party Sites, you do so at your own risk and you should be aware that our terms and policies no longer govern. Moneymunch is also not responsible for the reliability or continued availability of the telephone lines, wireless services, communications media, and equipment you use to access the Service. You understand that Moneymunch and/or third-party contributors to the Service may choose at any time to inhibit or prohibit their content from being accessed under the TOS.
(iii) You acknowledge that: (i) the Service is provided for information purposes only and is not intended for trading purposes; (ii) the Service may include certain information taken from stock exchanges and other sources from around the world; (iii) Moneymunch does not guarantee the sequence, accuracy, completeness, or timeliness of the Service or any information, facts, views, opinions, statements or recommendations contained on this site and/or the Service; (iv) the provision of certain parts of the Service is subject to the terms and conditions of other agreements to which Moneymunch is a party; (v) none of the information contained on this site constitutes a solicitation, offer, opinion, endorsement or recommendation by Moneymunch to buy or sell any security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment; and (vi) the information provided on this site is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation. Accordingly, anything to the contrary herein set forth notwithstanding, Moneymunch, its directors, contributors, officers, employees, representatives, successors, and assigns shall not, directly or indirectly, be liable, in any way, to you or any other person for any: (a) inaccuracies or errors in or omissions from the Service including, but not limited to, quotes and financial data; (b) delays, errors, or interruptions in the transmission or delivery of the Service; or (c) loss or damage arising therefrom or occasioned thereby, or by any reason of nonperformance.
(iv) UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL MONEYMUNCH, ITS PARENTS, AFFILIATES, SUBSIDIARIES, SUPPLIERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SUCCESSORS, LICENSORS OR ASSIGNS BE LIABLE TO YOU OR ANY THIRD PERSON FOR DAMAGES OF ANY KIND, WHETHER BASED IN TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES EVEN IF MONEYMUNCH HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING IN ANY WAY FROM OR IN CONNECTION WITH THIS SITE, THE SERVICE, USE OF OR INABILITY TO USE THE SERVICE OR ANY LINKS OR ITEMS ON THE SERVICE OR ANY PROVISION OF THE TOS, SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL MONEYMUNCH’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
The Operators do not certify and/or endorse any opinions contained, provided, posted or expressed on the Website and neither do the Operators certify and/or endorse any products and/or services sold by any party on the Website or otherwise and makes no representation or warranty, express or implied, of any kind whatsoever with respect to the same, including but not limited to, warranties of fitness, merchantability or fitness of such links for any particular purpose with respect to the same.
G. You Bear Responsibility for Your Financial and Investment Decisions
One of the principal tenets here at the Moneymunch is that the best person to handle your finances is you. By your use of our Services, you’re agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that The Moneymunch.com., its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services.
H. Jurisdiction and Applicable Laws
I. Sponsor Content
(i) What Is Sponsor Content?
“Sponsor Content” consists of: (i) all paid-for content created by the Moneymunch.com (“Moneymunch”) custom content team (“Moneymunch Custom Content”) in collaboration with advertisers, and served by or appears in any Moneymunch medium and (ii) paid-for content supplied by advertisers that is served by or appears in any Moneymunch medium. The foregoing categories include any paid-for content purchased under the AAAA/IAB Standard Terms and Conditions.
(ii) Standards And Procedures For Sponsor Content
In addition to the general advertising guidelines established by Moneymunch, the standards listed below apply to Sponsor Content.
All Sponsor Content, regardless of platform, will comply with Moneymunch’s guiding principles:
Transparency. All Sponsor Content and marketing messages will be clearly and distinctly differentiated from independent news content.
Independence. No Moneymunch author/contributor will participate in the production, editing or promotion of customized content or an advertorial. Sponsor agenda and/or concern will neither dictate nor delay editorial direction.
Editorial judgment. Moneymunch maintains the right to reject any program, advertiser or speaker whose presence would compromise the Moneymunch brand.
All Sponsor Content will be appropriately labeled and distinguished from Moneymunch editorial content in form, function and placement through the use of different type fonts, colors and graphics.
Paid programming, advertorials, and sponsored programs/segments will be clearly and prominently labelled as advertising. No Sponsored Content will imply endorsement of any product or service by Moneymunch, nor will it feature any recognizable Moneymunch names or logos.
Moneymunch may, in its sole discretion, allow the use of a Moneymunch Custom Content logo to be used in Sponsor Content. The design and placement of such logo will be at the discretion of Moneymunch, and any and all such uses shall be subject to Moneymunch’s prior written approval.
All Sponsor Content must be approved in advance and in writing by a Moneymunch Custom Content editor before it appears on any Moneymunch medium.
Sponsor Content is neither produced by nor contributed to by any editorial team member of any Moneymunch medium, nor does it necessarily reflect the views of the editors of any Moneymunch medium. A disclaimer similar to the following will be included with all Sponsor Content: “A sponsor paid for the creation and placement of the content on this page. No editorial member of any Moneymunch medium contributed to any part of its creation, and it does not necessarily reflect the editorial views of Moneymunch.com or any of its affiliated entities.”
Moneymunch may, in its sole discretion, include a more detailed disclaimer with certain Sponsor Content.
Moneymunch reserves the right to refuse or remove any program, advertiser or speaker that in any way: (i) disparages, defames or discredits Moneymunch or its products or services or otherwise compromises- in quality or presence- Moneymunch’s brand or (ii) is false, misleading, deceptive or illegal.
Where Sponsor Content allows user participation, the moderation and functionality of this element will be determined and implemented solely by Moneymunch and will be subject to the general Terms of Service for the applicable Moneymunch medium.
In the case of Sponsored events, sponsors will be clearly identified to all on-site participants and in marketing materials tied to the relevant conference or event in language that indicates their role as underwriters.Moneymunch does not guarantee speaking roles or other on-stage participation for paying sponsors and maintains editorial control and veto power.
J. Your Authority to Agree to this TOS
You represent, warrant and covenant that: (i) you have the power and authority to enter into this agreement; and (ii) you are at least eighteen (18) years old.
You agree, at your own expense, to indemnify, defend and hold harmless Moneymunch, its directors, contributors, officers, employees, representatives, successors, and assigns from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable attorneys’ and experts’ fees, arising out of or in connection with the Service, or any links on the Service, including, but not limited to: (i) your use or someone using your computer’s use of the Service; (ii) use by someone using your account; (iii) a violation of the TOS by you or anyone using your computer (or account, where applicable); (iv) a claim that any use of the Service by you or someone using your computer (or account, where applicable) infringes any intellectual property right of any third party, or any right of privacy or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party; (v) any deletions, additions, insertions or alterations to, or any unauthorized use of, the Service by you or someone using your computer (or account, where applicable); (vi) any misrepresentation or breach of representation or warranty made by you contained herein; or (vii) any breach of any covenant or agreement to be performed by you hereunder. You agree to pay any and all costs, damages, and expenses, including, but not limited to, reasonable attorneys’ fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action, or proceeding attributable to any such claim. Moneymunch reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Moneymunch in asserting any available defense. You acknowledge and agree to pay Moneymunch’s reasonable attorneys’ fees incurred in connection with any and all lawsuits brought against you by Moneymunch under the TOS and any other terms and conditions of service on this site, including without limitation, lawsuits arising from your failure to indemnify Moneymunch pursuant to the TOS.
(a) You may terminate the TOS, with or without cause and at any time, by discontinuing your use of the Service and destroying all materials obtained from the Service. (b) You agree that, without notice, MM may terminate the TOS, or suspend your access to the Service, with or without cause at any time and effective immediately. The TOS will terminate immediately without notice from MM if you, in MM’s sole discretion, fail to comply with any provision of the TOS. (c) Moneymunch shall not be liable to you or any third party for the termination or suspension of the Service, or any claims related to the termination or suspension of the Service. Upon termination of the TOS by you or MM, you must discontinue your use of the Service and destroy promptly all materials obtained from the Service and any copies thereof. MM will determine your compliance with the TOS in its sole discretion and its decision shall be final and binding and not subject to challenge or appeal. Any violation of the TOS may result in restrictions on your access to all or part of this site and may be referred to law enforcement authorities. No changes to or waiver of any part of the TOS shall be of any force or effect unless formally posted or made in writing and signed by a duly authorized officer of Moneymunch. Upon termination of your membership or access to this site, or upon demand by MM, you must destroy all materials obtained from this site and all related documentation and all copies and installations thereof. You are advised that Moneymunch will aggressively enforce its rights to the fullest extent of the law.
Your privacy is important to us, and because of this we don’t store any personal identifiable information that can identify you.
– Data / internet connection on devices to retrieve market research and news from world-wide information.
– We’re not keeping any personal or location information or others.
– The app does not store / transfer any personal or location information outside the app.
You accept that MM has the right to change the content or technical specifications of any aspect of the Service at any time in MM’s sole discretion. You further accept that such changes may result in your being unable to access the Service. The failure of Moneymunch to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision.
The section titles in the TOS are used solely for the convenience of you and Moneymunch and have no legal or contractual significance.
If any provision of the TOS is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of the TOS will remain in force.
Q. Entire Agreement
The TOS and any other terms and conditions of service on this site, and its successor, constitute the entire agreement between you and MM, govern your use of the Service, and supersede all prior or contemporaneous written or oral agreements between the parties with respect to the subject matter hereof. These TOS may not be amended, nor any obligation waived, without Moneymunch’s written authorization.