The contents of this site, including but not limited to the text, graphics, images herein and their arrangement, belongs to and is the property of Edme Insurance Brokers Ltd. (formerly known as Aditya Birla Insurance Brokers Ltd) (EIBL). EIBL has launched this website to provide general information for its users. We request you to read the conditions before using this site as EIBL can at any time and at its sole discretion modify the terms and conditions contained herein. By using this website, you consent to be bound by the terms and conditions of use without limitation or qualification.
EIBL allows the use of information available on this site only for your personal or informational and non-commercial purposes and not for being copied or posted on any network computer or to broadcast in or any form of media. EIBL will not be responsible or liable for the accuracy, reliability, copyright, compliance, legality or decency of any content or any interruption in service. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.

No Warranties
This website, information and materials on the site, and any software made available on the web site, are provided "as is" without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties of merchantability, non-infringement, or fitness for any particular purpose or warranty of any kind, express or implied, regarding third party content. In spite of EIBL's best endeavours, there is no warranty of the web site being free of any computer viruses.
Nothing on this website should be construed or treated as legal advice. Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date. To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

Limitation Of Damages
In no event shall EIBL or any of its subsidiaries or affiliates be liable to any entity and/or individual for any direct, indirect, special, consequential or other damages (including, without limitation, any lost profits, business interruption, loss of information or programs or other data on your information handling system) that are related to the use of, or the inability to use, the content, materials, and functions of this web site or any linked web site, even if EIBL is expressly advised of the possibility of such damages.

Unlawful Use Of This Web Site
EIBL reserves the right to investigate complaints or reported violations of this website and to take any action as deemed appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons, or entities relating to users profiles, e-mails, addresses, usage history, posted materials, IP addresses etc.
You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions below.
You must not (save in accordance with the express terms of our download agreement):
(a) republish material from this web site; (b) sell, rent or otherwise sub-license material from the website; (c) show any material from the website in public; (d) reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose; (e) edit or otherwise modify any material on the website; or (f) redistribute material from this website.

Governing Law And Jurisdiction
EIBL intends to provide clear and unbiased information about insurance products and services and information on the website should not be construed as technical advice of any manner. By viewing it you are deemed to agree to jurisdiction of the courts at Mumbai, India in respect of any action arising there from or related thereto.

Ownership, License And Restrictions On Use
All right, title and interest (including all copyrights, trademarks and other intellectual property rights) in this site belong to us. EIBL grants you a non-transferable, limited license to view and use this site only for your personal information, education or other non-commercial use. No part of this site may be reproduced, republished, copied, transmitted, or distribute in any manner without our express written permission.

Links
While visiting our Web site(s), you may leave the site and access certain sites other than EIBL’s, such as web sites of EIBL’s affiliates or third party vendors, etc. We do not endorse, and are not responsible for the content and accuracy of these sites. We also do not warrant that these sites are free from any claims of copyright, trademark, or other infringement of the rights of third parties, or that such sites are free of computer viruses.
This disclaimer (together with our privacy policy and terms and conditions) constitutes the entire agreement between you and us in relation to your use of our website, and supersedes all previous agreements in respect of your use of this website.

Scope of the legal disclaimer
Wherever a reference of this disclaimer has been provided by EIBL with or without the web-link, the user/reader is expected to take complete cognizance of the disclaimer and its applicability as to the subject matter where such reference is provided.

Product Related disclaimers
Insurance Cover -
Insurance related information should not be considered exhaustive and the user should read and understand the product information, including the scope of cover, terms, conditions, exclusions, limitations and other risk factors carefully. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
Claims –
Admission and settlement of insurance claim is the sole discretion the Insurer. EIBL shall only assist the client in management and documentation of claims. As a condition for providing this information, you agree that neither EIBL nor any other person shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including lost profits arising in any way from the information contained herein. EIBL will not be liable to you, in any form or manner whatsoever, for any claims, disputes, proceedings which may arise.
Insurance is a subject matter of solicitation.

Edme Insurance Brokers Ltd
Privacy Policy
This data privacy policy (“Policy”) sets forth the reasonable security practices and security procedures adopted by Edme Insurance Brokers Limited, formerly known as Aditya Birla Insurance Brokers Limited (“EIBL”) and shall apply to use and disclosure of sensitive personal data or information and personal information ("Personal Information") provided by You (which means and include as a Customer or a User) on the Website of EIBL https://www.edmeinsurance.com/ (hereinafter referred as “EIBL Website”) or otherwise at the time of client acceptance / registration/application in connection with availing products or services or facilities of EIBL.
This privacy policy shall be read in conjunction with the Terms of Use (Terms and Conditions) agreed by you while registering on https://www.edmeinsurance.com/ for availing its services.

Data
EIBL collect personal data or information about you from a variety of sources, including through:
• Online and electronic interactions including via EIBL Website, mobile applications, text messaging programs or through EIBL branded pages or applications on third party social networks
• Offline interactions with EIBL, including via direct marketing campaigns, hard copy registration / application forms, competition entries and contacts through EIBL consumer services call centres; and
• Your interaction with online targeted content (such as advertisements) that EIBL, or service providers on our behalf, provide to you via third party websites or applications.

Consent
The EIBL shall obtain Your consent in writing (and includes electronic consent) before collecting Personal Information for providing Services. Personal information for purposes of this Policy includes information that identifies you, such as Your name, date of birth, bank account details or credit card or debit card, phone number, fax number or email address etc and include gender, marital status, city of residence. All Personal Information so provided will be on an ‘as on’ basis and EIBL shall not be responsible for the authenticity of the Personal Information supplied by you. Personal Information which is provided or collected from you are solely for the purposes connected with the Terms of Use which has been agreed by you to provide various products or services or facilities by EIBL / Facility Provider / Third Party Service Entity.
Services shall includes all provisions of services and facilities and connected activities which are provided in connection with offering of products and services as a customer of EIBL
You have the option not to provide or agree to the collection of Personal Information. If you choose not to agree with the Policy, you will not be entitled to use the Services as per the Terms of Use. You can also anytime withdraw the consent you provided by writing to us at One World Centre, Tower 1, 7th Floor, Jupiter Mills Compound, 841 Senapati Bapat Marg, Elphinstone Road, Mumbai 400 013 or (INSERT CUSTOMER CARE EMAIL ID) and making a request for termination of the services agreed as per the Terms of Use.

Purpose
EIBL need this information to operate and provide various products and services.
EIBL use, transmit and disclose Your Personal Information only as follows:
• to fulfil Your requests for products and services offered and subscribed and accepted by you and to contact you either through EIBL or their third party service providers through any channel of communication including but not limited to email, telephone, sms, etc.
• to deliver to you any administrative notices, alerts, advice and communications relevant to Your use of the Service
• to EIBL and its authorised agents and other third party services providers in so far as required for marketing purposes, for providing information about products/services EIBL and / or to offer similar services to provide you with various value added services and information including for authentication purposes to enable linking of Your products held with EIBL
• to third-party contractors that provide services to EIBL and are bound by these same privacy restrictions;
• for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or identification of other criminal activity;
• to conduct check on Your credit information with any of the credit bureau or to conduct a background check either by their employees or through any third party vendor.
• with the abovementioned parties including with any regulatory, statutory or judicial authorities for compliance with any law or regulation in accordance with this privacy policy
• to enforce Terms of Use;.
All such Personal Information collected shall be retained so long as you are having account/product with EIBL or by any of its third party service entities/service provider(“Third Party Service Entity”) and remain active to avail various services/product or as may be required under the law or as per applicable policy on data retention if any. In case of deactivation / termination of the account / services with EIBL, the Personal Information provided may no longer be used for providing the services/facilities and the same may also get removed upon the expiry of the maximum tenure as may be prescribed under the provisions of the law as applicable or the policy on data retention if any. Unless the Personal Information is purged permanently, the Personal Information may remain on the servers and EIBL may however use the Personal Information for data analytics purposes and procedures for improving the provisions of services/facilities by them in a non-identifiable manner.

Update Personal Information:
EIBL / Third Party Service Entity encourages you to update this information as and when there are any changes. You are also entitled to review the information provided and ensure that any Personal Information or sensitive personal data or information found to be inaccurate or deficient be corrected or amended as feasible. However, EIBL shall not be responsible for the authenticity of the Personal Information or sensitive personal data or information supplied by you.

Sharing/Transfer/Disclosure of Personal information:
Your Personal information will not be sold or otherwise transferred to unaffiliated third parties unless otherwise stated at the time of collection or without Your approval as the case may be. However, EIBL might share, exchange and disclose information to its affiliates and / or group companies, authorised agents or to any third party service provider to deliver you products and services in the manner agreed by you as specifically stated under this Privacy Policy supra.
EIBL or any Third Party Service Entity treats Your Personal Information or Your use of the Service as private and confidential and does not check, edit, or reveal it to any third parties except where it is expressly agreed where it believes in good faith, such action is necessary to comply with the applicable legal and regulatory processes, or to protect and defend the rights of other users or to enforce the terms of service. EIBL or any Third Party Service Entity may disclose Personal Information where it is under legal obligation to do so or where it is mandated under law. EIBL or any Third Party Service Entity may transfer Your Personal Information to another Indian or overseas body corporate that ensures the same level of data protection that is adhered to by EIBL, if it is necessary for the performance of a lawful contract between EIBL or any person on its behalf and you or where you have consented to the data transfer.
Data may be transferred upon change in control or to other EIBL but only in accordance with this Policy. Personal information may be transferred to any group company of EIBL at any time or to a third party only as a result of a sale, acquisition, merger, reorganization or other change in control. If EIBL is sold, merged or transferred any part of our business, part of the sale may include Your Personal Information.

Unsolicited Information:
Except where specifically agreed by You or it is necessary for operational or regulatory reasons, EIBL or any Third Party Service entity will not send you any unsolicited information/communication. However, to help you to take full advantage of the service offerings/facilities/products of EIBL, you will have the opportunity to indicate whether you would like to "opt out" of receiving promotional and/or marketing information about other products, services and offerings from EIBL and/or any third parties etc. If you do not opt out, EIBL may use contact information to send occasional communication pertaining to the said information. You can nevertheless unsubscribe from receipt of such emails by following instructions therein or by communicating accordingly to EIBL.

Retention of Personal Information:
EIBL or any Third Party Service Entity shall not retain Personal Information longer than the Purpose for which it is sought is served or is otherwise required under any other law for the time being in force or in accordance to the data retention policy if any. The Personal Information so collected shall be used only for the Purpose for which it is collected and in the manner agreed by you. Personal Information however may remain on the servers unless otherwise deleted or purged permanently.

Third Party Services:
EIBL or its Third Party Service Entity may sometimes permit third parties to offer subscription and/or registration-based services through its Website. EIBL are not responsible for any actions or policies of such third parties and You should check the applicable privacy policy of such party when providing personally identifiable information. Further, EIBL will not be responsible if You do not get the benefits announced if any, by the said third parties permitted to offer subscription or services on its site.

Use of Cookies:
EIBL / EIBL Websites may use "cookies" (information stored on Your computer/Your Computer Resources which include mobiles phones and also APPs) by your browser at our request). "Cookies" is a term generally used for small text files a web site can use to recognize repeat users, facilitate the user's ongoing access to and use of the site, allow a site to track usage behaviour and compile aggregate data that will allow content improvements and targeted advertising, preferences etc. Cookies themselves do not personally identify you, but they do identify Your computer, computer resources and devices connected with computer resources and include Mobile phones. Generally, cookies work by assigning a unique number to the computer that has no meaning outside the assigning site. You are also being made aware that EIBL cannot control the use of cookies or the resulting information by advertisers or third parties hosting data on EIBL Website. If You do not want information collected through the use of cookies, you may change the settings in the browsers that allows to deny or accept the cookie feature as per Your discretion and in the manner agreed by you.

Use of APP
In case of use of facilities/products/services through any APP of EIBL, additional terms and conditions governing the manner of usage of APP including collection and disclosure of Personal Information shall be applicable and to be read along this Privacy Policy.

Links to Other Sites
Our website(s) has links to other website(s) in the WorldWideWeb. The privacy policies of these website(s) is not under our control. Once you leave our servers, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. It is advisable to read their privacy policies for further information.

Childrens
This website is not intended for use by children and minors. Parents are requested to ensure that Personal Information is not provided by minors.

Blocking IP Addresses
EIBL uses the help of Internet Protocol ("IP") addresses to diagnose any problems with its server and to administer its web site including by blocking certain addresses that it feels are inappropriately using its website. IP addresses are used to gather broad demographics information, such as browser types, visitor's country, visiting frequency, operating systems, etc. Security of Data
EIBL could be subject to verification by a third party for its use of SSL encryption technologies and may also audited by third party auditor for security practice as deemed fit.

Change in Privacy Policy
EIBL reserves the right to change the Policy at any time. You may note that this Policy itself and any such change of policy will be effective from the date of posting on the site.

Terms of Usage
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/. 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.