Terms of Use / Privacy Policy

Terms of Use

Disclaimer of Warranty

All information provided on this Website is on “AS IS” basis without warranty of any kind. MIRR disclaims all guarantees or warranties, either express, implied or statutory as to the accuracy, completeness or timeliness of the Services provided by it and expressly disclaims any warranties of merchantability, fitness for a particular purpose and disclaims any obligation to update or correct any information contained in this Website that may become inaccurate or dated and any warranties relating to provision of service free from disruption or interruption.

MIRR makes no representations or warranties, either express or implied that the research, development, marketing, distribution, use or sale of the Service will not infringe any patent, copyright or other right of any third party.

MIRR warrants that it does not provide any investment advice on this website and that you shall obtain independent investment/financial advice before taking any investment/financial decision.

Limitation of Liability

By accessing this website, you assume all risk associated with using it. MIRR is not liable for any losses or harm to you and/or any third parties as a result of visiting this Website and/or the use of information obtained on this site, including but not limited to personal or business financial losses, damage to computer hardware, software, or destruction of data due to a virus. You agree that in no event will MIRR, its affiliates, employees, agents, licensors or successors are not liable for any direct, indirect, incidental, special or consequential damages, resulting from the use of this Website even if you notify MIRR of such possibility.

You agree that the sole remedy under the Terms of Use is cancellation of Service.

Linked Sites

MIRR website may contain links to other third party websites for your convenience and makes no warranty nor assumes any responsibility for the content or use of a linked site. Your use of a linked site is at your own risk and MIRR assumes no liability, directly or indirectly for any loss resulting to you from accessing the linked sites.

Access Restriction

MIRR reserves the right to deny, in its sole discretion, any User access to this website or any portion thereof without any notice or justification.

Trade Mark / Service Mark / Intellectual Property Rights (IP) Notices

MIRR®, Indulgence is Freedom® are the registered trademarks/service marks of MIRR.

By accessing MIRR Website, you agree to the following additional terms and conditions:

  • Services Provided

MIRR provides electronic access to certain services and information to you through its website. The Services include, but not necessarily limited to, the provision of information through the site. Information including all individual articles, columns and other elements are copyrighted works and are owned by MIRR and / or its suppliers. Other brand and product names which appear on this site are the trademark / service marks of their respective owners. Featured logos are service / trademarks of their respective owners and may not be used without prior permission.

MIRR may at any time change the Terms of Use without notice and your continued use of these services will constitute acceptance of any such changes. By using the service you agree to abide by all applicable laws as well as any additional Copyright notices or restrictions contained in the Service.

  • Use Codes

MIRR may provide online portfolio access to few or all of its customers and you may be asked to select a user name and password. This user name and password is for your personal use only and you shall at all times maintain the confidentiality of the user name and password. You shall not disclose them to any third party and be fully responsible for all statements made and acts or omissions that occur while your user name and password are being used. MIRR shall not be responsible for any breach of security caused by your failure to maintain the confidentiality of your user name and password. In the event of unauthorized use of user name and password, MIRR may terminate your use of this service at any time without prior notice.

Confidentiality

The User acknowledges that any information created, input or developed in connection with the use of the Services can be accessed through the Internet and that there can be no assurance that such information, or any communication through E-mail will remain secure. MIRR may disclose such information to its employees, agents, licensors, representatives and affiliates, as well as government entities

  • For any purpose related to the conduct of MIRR’s business

  • For any legitimate business purpose or to comply with applicable rules, orders, subpoenas or other legal process or in order to give information to any government agency, regulatory authority or official requesting such information.

Indemnification

You hereby agree to indemnify and hold harmless MIRR and all of its employees, representatives, agents, licensors, any third party providers from and against any and all claims, losses, liabilities, damages, costs and expenses, including without limitation any reasonable attorney’s fees and costs, arising out of or related to your breach of agreements, representations and warranties contained in this Terms of Use or by / on account of a third party due to or arising out of your use of this Website, the Service contained herein,

  • In violation of any rights of MIRR or any other person indemnified hereunder, including (but not limited to) copyright, patent, intellectual property right or any other right of any person or entity.

  • In violation of applicable law, rule or regulation or

  • In violation of your agreement to maintain the security of your user name and password

Privacy

At MIRR we are committed to your privacy and retaining your trust. Please read our privacy policy as to how we handle personal information including that of a confidential nature.

Modification of these Terms and Conditions

MIRR may modify, without notice, the Terms of Use at any time. If you use the Services (or any of them) after such changes have been affected then you shall be bound by all such changes.

Governing Law

This Terms of Use is governed by and construed in accordance with the laws of the Republic of India without giving effect to principles of conflicts of law. You therefore consent and submit to the exclusive jurisdiction of Courts in Delhi, India in all disputes arising out of or relating to the use of this Website or Service.

PRIVACY POLICY – your privacy is important to us

At MIRR we respect your right to keep your personal information confidential and are committed to your privacy and retaining your trust. This Privacy Policy outlines the types of information we gather about you and how we use it.

Types of Information we collect:

We collect nonpublic information about you that is provided by you or obtained by us to provide investment/ retirement/ insurance/ personal financial planning services to you. The personal information includes details such as name, address, phone numbers, e-mail address, tax returns and other demographic information like age, gender and annual income.

Sources from where we collect information:

  • Financial History questionnaires, Contact us forms, Client interviews, Tax Return forms, Insurance / Mutual Fund purchase forms.

To provide retirement/ insurance and risk management/ investment/ and financial planning services we receive information from you to complete your financial/investment plan. This information is collected from you in written form, by phone, on line, by mail and in personal interviews and consultations conducted by us, as well as by information we collect from others with your authorization.

Parties to whom we disclose information:

Nonpublic information about you and our former clients may only be disclosed to affiliated and nonaffiliated third parties as permitted by law as follows:

  1. Responding and complying with a validly issued and enforced subpoena or summons.

  2. Providing information to affiliates and nonaffiliated third parties who perform services or functions for us pursuant to a contractual agreement that prohibits the third party or affiliate from disclosing or using the information other than for the purpose for which the information was disclosed: for example using an outside agency/ tax consultant to process client’s tax returns or using an independent technology services firm to manage client’s records.

  3. Participating in actual or threatened legal proceedings or alternative dispute resolution proceedings either initiated by us or against us, provided we disclose only the information necessary to file, pursue or defend against the lawsuit and take reasonable precautions to ensure that the information disclosed does not become a matter of public record.

Security

Mirr.com takes precautions to protect its members’ personal information. We use industry-standard on-line security measures, such as encryption and authentication, to protect your on-line details. Please note, however, that no transmission over the Internet can be 100% secure.

We restrict access to your nonpublic information only to those employees and other parties who must use that information to provide services to you. Their right to further disclose and use the information is limited by our Employee Code of Conduct, our Code of Professional Conduct and nondisclosure agreements where applicable. We maintain adequate safeguards both physical and electronic to guard your nonpublic information.

Changes to the Privacy Policy

If there are any changes to our Privacy Policy, the information shall be posted on this page.