Terms & Conditions

Policy Monk will receive and collect automatically certain information that is anonymous in standard usage logs via our Web server, that includes computer-identification information which is obtained from "cookies" which are sent to your browser from the below mentioned -

• an IP address that is assigned to the computer that you use
• web server cookie that is stored on your hard drive
• the domain server via which you can access services of Policy Monk
• the computer type that you use
• the web browser type that you use

Data that Policy Monk collects from you -

• Your first and last name
• Your email address
• Your mobile phone number
• Your ZIP/Postal code
• Your demographic details such as your age, gender, occupation, address
• Your preferences whether banking or insurance related services;

Policy Monk uses third-party advertising companies that serve ads whilst you visit our website. Your information as well as your usage preferences such as your name, email address, telephone number can be used by these companies that offers advertisements about goods and services of your interest.

You may terminate your account at any given time but your information may however remain stored in our archive on our servers even post deletion or termination of your account.

Policy Monk uses your personal information in order to -

• to contact you when necessary
• to offer the services that you request
• to reserve the social history governed by existing law or policy

Policy Monk uses your contact information internally for -

• directing our efforts to improve the product
• for contacting you as a survey respondent
• for sending you materials for promotional purposes from the advertisers or sponsors of the contest

Our website also contains links to other Web sites, however, we aren’t responsible for these privacy practices of any other websites that are not owned, managed or controlled by us.

Policy Monk won’t use or rent any of your financial information that aren’t for purposes other than for completion a transaction with you. Once you give us the information you agree or permit us -

• to offer products as well as services that you've requested for
• to help in investigation of violations of Policy Monk’s terms of usage or to defend against any legal claims;
• To unveil the information under special situations such as compliance with applicable local law, court orders, court summons, requests

Policy Monk will only send your information to other companies or people when -

• We are required to share your information to offer the product or services that you have requested for; so that to enable them to contact you, or
• You have already shared your consent with us to share your information;

We also would need to share your information with some other service partners for responding to your comments or queries and to resolve service issues that would help us to serve you better.

Once you register on Policy Monk or use our website or its affiliate websites you authorize us, as well our affiliates and our associate partners for contacting us via email or phone call or sms as well as offer you their services for the product/products that you have opted for, to impart product knowledge, provide promotional offers that runs on website and offers that are offered by the associated third parties, for these purposes and web aggregation, personally identifiable information that may be collected as detailed below. Irrespective of the fact that you might have registered yourself for DND or NCPR or DNC services, you yet authorize Policy Monk to give you a call as well as to its associate partners for the purposes mentioned above.

Your account information would be protected and secured by a password for means of privacy and security.

Policy Monk reserve rights to amend this privacy policy from time to time. In case we make any further substantial changes such that we use your information, we will however always inform or send you a notification by posting an announcement that is prominent on our web pages.

Policy Monk has taken due care as well as caution in data compilation for its web site. The views of the investment experts on Policy Monk are their own, and that not of the website or its management. Policy Monk advises its users to check with certified experts before they take any investment decision. However, Policy Monk does not guarantee the accuracy or adequacy or completeness of any information. Therefore, we are not responsible for any errors or omissions or for the results that are obtained from the use of such information. Grey Font especially makes a statement that we do not hold any financial liability whatsoever to any of its user on account of using the information provided on its website.

Policy Monk do not hold itself responsible for any errors, omissions or any representations on any of its pages or on any links on any of its pages. Policy Monk does not involve in endorsing in anyway any advertisers on its web pages. Therefore, it is advised for verification of the veracity of all information on your own before you undertake any alliance. The information that is available on Policy Monk is updated from time to time. Policy Monk therefore excludes any warranties that are either expressed or implied, as to the efficacy, completeness, quality, accuracy, performance, fitness or any of the contents that are on the website, that includes but which is not limited for any its comments, feedback as well as advertisements that are contained within the website.

Policy Monk contains material that is in the form of inputs that are submitted by users and Policy Monk accepts or holds no responsibility for this content or accuracy of any of such content. Policy Monk also doesn’t make any representations by virtue of the contents of this website for its existence or availability of any of the goods and services that are advertised in the contributory sections. Policy Monk makes or holds no warranty that the website contents are free from infection due to viruses or anything else that has contaminating and/or destructive properties and that shall have no liability in respect thereof.

Part of Policy Monk contains advertising as well as other material that are submitted to us by its third parties. Kindly make a note that such advertisers are responsible to ensure that material submitted for inclusion on Policy Monk complies with all the possible legal requirements. However, the advertisements acceptance on our website is subject to our own terms and conditions that are available only on request, and that we do not accept or hold any liability in respect of any such advertisements.

Policy Monk contains articles that contributed by several individuals. Therefore, the views on this articles are their own and that they do not necessarily represent the views of the website or its management. The linked sites in Policy Monk are in anyways not under our control and that we are not responsible for the contents that of any linked site or any link that is contained in a linked site, or any updates or changes to such sites. Policy Monk always ensures that these links are offered to you only for convenience, and that any advertisement do not imply any endorsement by us of the site.

Policy Monk contains articles that contributed by several individuals. Therefore, the views on this articles are their own and that they do not necessarily represent the views of the website or its management. The linked sites in Policy Monk are in anyways not under our control and that we are not responsible for the contents that of any linked site or any link that is contained in a linked site, or any updates or changes to such sites. Policy Monk always ensures that these links are offered to you only for convenience, and that any advertisement do not imply any endorsement by us of the site.

Policy Monk understands that there are risks that are associated for utilizing internet and short messaging system (sms) based information and research dissemination services provided by Policy Monk. Subscribers are therefore advised to know and understand that the services can thus fail due to failure of hardware or software or Internet connection. We also make sure that these messages are delivered on time to its subscribers The customers Mobile Network is however responsible for the delivery of these messages on their handsets/mobile phones. There are chances of the SMS getting delayed and/or not getting delivered to the customer's mobile phone/handset on some days because of technical reasons which can only be addressed by the customer's Mobile Network.

Policy Monk hereby expressly disclaims of any implied warranties that are imputed by the laws of any jurisdiction. If case you disagree with any of the disclaimers that are mentioned above please feel free to not read the material provided on any of our pages. Policy Monk’s website is specifically only for users in the territory of India. However, the access to users that stay outside India is not denied, Policy Monk shall have no legal liabilities in any of the laws of any jurisdiction that are other than India. We also reserves the right for making changes to Policy Monk and these disclaimers, terms, and conditions at any time.

Policy Monk operates at a real time chat room that is intended to offer a private forum for users for exchanging information and for not discussing various investing techniques. You agree, thereby for accessing Policy Monk or any associated site, that Policy Monk bears no liability for any postings on the website or the actions of any associate site. We thereby reserve the right for denying service to anyone. You will be solely responsible for the investment decisions that you make. In case you choose for engaging in such transactions either with or without seeking any qualified financial advisors advice or entity, then such decision as well as any consequences that flow there would solely be your responsibility. The information and commentaries would not be an endorsement or a means of any offering of any stock purchase. They are simply guidelines which should be ideally tempered by only investment experience as well as independent decision making process of the subscriber. Policy Monk or any of its employees are in no way liable for usage of the information provided by others to invest or trade activities in investment vehicles that utilize the principles that are disclosed herein. Policy Monk or any of its employees do not represent to act as the position of an investment management or advisor for the utilizing the information in this service. The materials and information in and provided by Policy Monk are not, and should not be construed as an offer to buy or sell any of the securities named in materials, services, or on-line postings.

We encourage every investor for using the available information on the site as a resource only for further researching on all featured companies, sectors, stocks, markets as well as information that is displayed on Policy Monk. Whatever is published on the site of Policy Monk to be considered as investment advice.

Policy Monk doesn’t involve in representation or endorsement of the accuracy as well as reliability of any of the information or conversation, or content that is available on, distributed through, as well as linked or downloaded and accessed from any of the services contained on Policy Monk as well as the quality of any products and information or other materials that is displayed, bought, or obtained by you owing to the other information or offer by and in connection with the Service.

Policy Monk as well as its employees aren’t licensed to offer investment advice. Therefore, no materials provided on Policy Monk, either on behalf of Policy Monk or any site host as well as any participant in Policy Monk or any of its associated sites should be taken as investment advice directly or indirectly or implicitly, or for that matter in any manner.

We do not thereby represent this material as accurate as well as complete and therefore it is based on information that we ponder reliable. Therefore, the same shouldn’t be relied upon. You shouldn’t therefore rely solely on the Information for making any investment. On the hand, it is advisable for you to use this Information only as a starting point to do additional independent research for allowing you for formation of your own opinion with regards to investments. You thereby agree that the software as well as content that you use on this site is solely at your own risk. Policy Monk isn’t any registered investment advisor or a broker dealer.

Policy Monk thereby makes no warranties as well as gives no assurances with regards to the truth, timeliness, reliability, as well as good faith of any material posted at Policy Monk.