TERMS AND CONDITIONS

Last updated on: [_16/08/2023_]

These Terms and Conditions (“Terms”) govern access or use by you (“user”, “you”, “your”) of the Platform (defined below) provided by Aditya Birla Capital Digital Limited (“ABCDL”, “we”, “us” or “our”), a company established under the laws of India, having its principal office at 18th Floor, One World Center, Tower 1, Jupiter Mills Compound, 841 Senapati Bapat Marg, Elphinstone Road Delisle Road, Mumbai 400013. Please read these Terms carefully before accessing or using the Platform or our Services (defined below). These Terms also include our Privacy Policy , and the Additional Terms and Conditions (defined below). 

Your access and use of the Platform and the Services constitute your agreement to be bound by these Terms, which establishes a contractual relationship between you and ABCDL. If you do not agree to these Terms, you may not access or use the Services or the Platform. For the avoidance of doubt, it is clarified that these Terms shall apply to all Services offered by ABCDL.

For the purpose of further clarity, this document is an electronic record in terms of the Information Technology Act, 2000, (“IT Act”) amendments thereof from time to time and the rules thereunder as applicable, and the amended provisions pertaining to electronic records in various statutes as amended by the IT Act. This electronic record is generated by a computer system and does not require any physical or digital signatures.

1. DEFINITIONS

1.1 “Additional Terms and Conditions” shall mean any guidelines, additional terms, policies, or disclaimers made available or issued by us, any third party or Affiliate from time to time in relation to the respective Service.

1.2 “Affiliate(s)” shall mean group companies, affiliates, associates, and/or subsidiaries of ABCDL.

1.3 “Applicable Law(s)” means any statute, law, regulation, ordinance, rule, judgment, notification, order, decree, by-law, permit, licences, approvals, consents, authorisations, government approvals, directives, guidelines, requirements, or other governmental restrictions, or any similar form of a decision of, or determination by, or any interpretation, policy or administration, having the force of the law of any of the foregoing, by any Authority, whether in effect as on the date of you agreeing to be bound by these Terms or at any time thereafter.

1.4 “Authority” shall mean any judicial, quasi-judicial, governmental authority, statutory authority, regulatory authority, government department, agency, commission, board, rule or regulation-making entity or authority having or purporting to have jurisdiction over you or us, or other subdivision thereof to the extent that the rules, regulations, standards, requirements, procedures, or orders of such authority, body, or organisation have the force of any Applicable Law or any court or tribunal having jurisdiction, including but not limited to the Reserve Bank of India, Insurance Regulatory and Development Authority of India, Pension Fund Regulatory and Development Authority, Securities and Exchange Board of India, and Association of Mutual Funds in India.

1.5 “Device Binding” shall mean the compulsory requirement to register the User’s device as a trusted device for availing/utilising the Services, which the User shall be able to do only while the SIM for mobile phone number is installed/available in the device being registered.

1.6 “Digital Health Indicator” shall mean the services that provide the user with a report containing a summary of various health parameters based on the information received from a user, such report being derived using a combination of pre-determined set of rules, algorithms, analytics, artificial intelligence. 

1.7 “Mobile Application” shall mean ABCD App, mobile application owned and operated by ABCDL.

1.8 “Services” shall have the same meaning as ascribed to it under Clause 3 of these Terms.

1.9 “SIM Binding” shall mean the compulsory requirement of the SIM for mobile phone number being installed/available in the device while the User attempts to use/avail Services.

1.10 “Platform” shall mean the Mobile Application and Website.

1.11 “Website” shall mean the website owned and operated by ABCDL available at www.adityabirlacapital.com/digital
2. ELIGIBILITY

2.1. By accepting these Terms, you represent and warrant that (a) you have full legal capacity, right and authority to agree to and be bound by these Terms, (b) you are at least 18 (eighteen) years of age or older, (c) you are an Indian resident, (d) you have not been previously suspended or removed by ABCDL or any of its Affiliates from availing the Services or have been disqualified from availing any Services, (e) you are not barred or otherwise legally prohibited from accessing or using the Services and (f) you are not and will not impersonate any person, entity or falsely state or otherwise misrepresent such person’s or entity’s identity. A person who is not competent to contract a minor, a person of unsound mind, etc.) may not access this Platform and use the Services without the consent of his or her guardian. The guardian is presumed to have read these Terms to give consent on behalf of a minor and shall be bound by these Terms. If at any time, ABCDL is of the opinion that you do not satisfy the eligibility criteria, including but not limited to any misrepresentation, misuse of any Service or offers, fraudulent or suspicious activities or transactions, ABCDL retains all rights to disable your access to the Platform and/or suspend your use of the Services with immediate effect. 

2.2. If you represent an entity, organisation, or any other legal person, not being a natural person, you confirm and represent that you are duly authorized by the organization, the entity, the legal person, or management of such organisation, entity, or a legal person to accept these Terms have the necessary power and authority to bind such entity, organisation, or legal person to these Terms.

3. SERVICES 

3.1. The Services include provision of the Platform by us and the access to various products and services including financial products and services, Digital Health Indicator, web-based services, e-commerce and payments facilities, and other allied activities to you through the Platform by us (“Services”).

3.2. The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third party or our Affiliates (“Third Party Services”), and may also include links to the Third Party Services. You understand and acknowledge that Third Party Services are the responsibility of the respective third-party or Affiliate that renders such Third party Services. You further acknowledge that your use of such Third Party Services is solely at your own risk.

3.3. We make no representations and disclaim all warranties and liabilities arising out of or pertaining to such Third Party Services including their accuracy or completeness. Should you avail any Third Party Service, you shall be governed and bound by the Additional Terms and Conditions of the applicable third party or the Affiliate providing the Third Party Service. 

3.4. We shall send all communications to our users by text messages, electronic mails, WhatsApp messages, push notifications and/or via other progressive technology in connection with your access to the Platform, utilisation of the Services and as part of our promotional and marketing strategy. You agree to receive all messages, emails and/or WhatsApp messages including transactional messages from us, any third parties and our Affiliates. We may use third party service providers to send alerts or to communicate with you. You authorize us, our Affiliates and other entities providing Third Party Services to override the DND settings to reach out to you over calls, SMS, emails and any other mode of communication. 

3.5. You further acknowledge that you are responsible for the contact details shared with us and shall update us on any change to your contact details.

3.6. Digital Health Indicator: In relation to the Digital Health Indicator, you hereby specifically agree and understand that:

a. any report generated upon your use of the Digital Health Indicator ("DHI Report"):

i. is provided on an as-is basis using pre-determined parameters; and
ii. is purely an outcome of algorithms and software tools owned by or licensed to ABCDL. 

b. ABCDL does not take any responsibility with respect to the correctness or accuracy of the DHI Report and makes no representation or warranty that the DHI Report will be accurate, complete, error-free, meet your or any other persons' requirements or achieve any intended result.

c. the Digital Health Indicator and the DHI Report is purely indicative in nature and does not, in any manner(i) diagnose, prevent, monitor, treat, alleviate, assist, or reflect the state of your mental or physical well-being, including any disease, disorder, injury or disability; or (ii) investigate, replace, modify, or support anatomy or a physiological process. The Digital Health Indicator and the DHI Report is provided to you for informational and educational purposes. We request you to not rely on the Digital Health Indicator and/or the DHI Report, and seek appropriate medical and health care services from a registered medical practitioner, in order to obtain an accurate assessment of your health and well-being.

d. the DHI Report does not constitute any recommendation, suggestion, advisory or opinion by ABCDL and/or its Affiliates, partners, directors, agents, representatives, employees and/or sub-contractors, in relation to your mental or physical well-being. You further understand that the Digital Health Indicator does not constitute the provision of healthcare services by ABCDL in any manner. Any queries in relation to diagnosis, treatment and prevention of any health-related concerns ought to be directed to a registered medical practitioner, and ABCDL is not qualified and liable to provide any services in this regard.

e. the Digital Health Indicator or the DHI Report generated therein does not constitute pre-insurance medical examination, pre-policy check-up, pre-insurance medical test, or such other similar tests, by whatever name called, conducted by or at the request of an insurer in connection with its underwriting policies, and ABCDL does not warrant or undertake, in any manner, that it is authorised to conduct such tests.

4. PROFILE CREATION

4.1. In order to avail the Services, you will be required to create an account on the Platform by providing your details including but not limited to your name, phone number, email address, and date of birth (“Account”). If you choose to create an Account, you agree to provide and maintain true, accurate, and complete information about yourself as prompted on the Platform and failure to do so shall constitute a breach of the Terms, which may result in immediate termination or suspension of your Account.

4.2. You are solely responsible for maintaining the confidentiality of the Account details and for any activity that occur through your Account. You agree to immediately notify ABCDL of any actual or suspected unauthorised use of your Account or any other breach of security. ABCDL will not be liable for any losses or damages that may arise from your failure to comply with the above-mentioned provisions or your failure to ensure the confidentiality of your Account or password.

4.3. We reserve the right to disable your access to the Account if, in our reasonable opinion, you are in breach of any provision of the Terms or the Applicable Law or in the event of any actual or suspected unauthorised access to your Account.

4.4. You agree and acknowledge that the device which you use during creation of your Account, shall become your registered device and the details of such device shall be stored by us. In the event you wish to log into your Account on the Platform from a different device, you will be asked to allow ABCDL to authenticate your contact number with the new device, after which the new device becomes the registered device. Your access to the Services is subject to your compliance with the Device Binding and SIM Binding requirements at all times.

4.5. You shall be solely responsible for ensuring compliance with Applicable Laws and shall be solely liable for any liability that may arise due to a breach of your obligation in compliance with Applicable Laws.

5. VERIFICATION

5.1. You may be required to undertake certain additional processes with us in order to avail the Services. In this regard, we may require you to upload documents and information (“Documents”) that may be necessary for us to ascertain your eligibility to avail the Third Party Services.

5.2. You authorise us, and any third-party service provider we may engage with, to process your Documents and ascertain your eligibility to avail the Third Party Services. Any processing that we undertake shall be in accordance with our Privacy Policy. You agree that such processing may be subject to Additional Terms and Conditions in the event a third-party processes information under this Clause. 

5.3. Further, during the Term, we reserve the right to seek any additional information, data, or documentation (collectively, “Additional Information”) that may be required to determine your eligibility to avail the Services or for the continued use of Services. You agree to share such Additional Information promptly upon request, and further authorise us to process such Additional Information.

5.4. You agree and warrant to provide true, complete, and up-to-date Documents and Additional Information to us. If we suspect that the Documents or the Additional information provided by you is unreliable or appears to be fraudulent or deficient, then we reserve the right to not provide you the Services or the Platform, as the case may be. 

5.5. ABCDL does not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.

6. INTELLECTUAL PROPERTY RIGHTS

6.1. All rights, title, and interest in and to the Platform and/or Services, including text, graphics, software, photographs and other images, videos, sounds, trademarks, and service marks are owned by or otherwise licensed to us. Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, non-sublicensable, royalty-free, revocable, and limited licence to use the Services in accordance with these Terms.

6.2. All names, whether or not appearing with the trademark symbol, are trademarks that belong to us unless otherwise stated by us. The use or misuse of these trademarks or any other materials, except as permitted in these Terms, is expressly prohibited and may be in violation of copyright law, trademark law, and any other Applicable Law.

6.3. The contents of this Platform are subject to copyright protection. The contents of the Platform may not be copied, recopied, reproduced, or otherwise redistributed. You should not copy, display, download, distribute, modify, reproduce, republish, or retransmit any information, text, or documents contained in this Platform or any portion thereof in any electronic medium or in hard copy, or create any derivative work based on such images, texts or documents, without our express written consent or as otherwise permitted in these Terms.

6.4. ABCDL may request you to submit suggestions and other feedback, including bug reports, relating to the Services or the Platform, from time to time (“Feedback”). ABCDL may freely use, copy, disclose, publish, display, distribute, and exploit the Feedback without any payment of royalty, acknowledgment, prior consent, or any other form of restriction arising out of your intellectual property rights. You hereby waive any rights you may have that arise out of such Feedback and agree to execute such documentation as ABCDL may request to give effect to ABCDL’s rights under this Clause.

6.5. You may upload or submit certain information, content, submissions, ideas, suggestions, proposals, plans, or other material, whether with or without our request (collectively, “Content”). You hereby grant us a non-exclusive, worldwide, perpetual, irrevocable, transferable, sublicensable, and royalty-free license to use, display, store, host, communicate, make available, modify, adapt, translate and create derivative works of the Content.

6.6. Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to our or any third party’s intellectual property rights.

7. PROHIBITED CONDUCT

7.1. You shall not use the Platform in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, you may not:

a. infringe, violate, or misappropriate any proprietary rights, including but not limited to copyrights, patents, trademarks, or trade secrets, of any party;

b. except as may be provided hereunder, copy, display, distribute, modify, publish, reproduce, store, transmit, post, translate, create any derivative works from, or licence the Platform;

c. use the Platform to transmit any data or send or upload any material that contains viruses, trojan horses, worms, timebombs, keystroke loggers, spyware, adware, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware;

d. use any robot, spider, other automated device, or manual process to monitor or copy the Platform or Services or any portion thereof;

e. engage in the systematic retrieval of content from the Platform to create or compile, directly or indirectly, a collection, compilation, database, or directory;

f. upload or transmit any information or content that is obscene, pornographic, paedophilic, immoral, invasive of another’s privacy, or is relating to or encouraging money laundering or gambling, an online game that causes user harm, or promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence;

g. act in an abusive or threatening manner or use abusive or threatening language on or through the Platform;

h. upload or transmit information or content that is harmful to children or that impersonates another person, or deceive or mislead any addressee about the origin of a message, or knowingly and intentionally communicates any misinformation or information which is patently false and untrue or misleading in nature or, in respect of any business of the Indian government, is identified as fake or false or misleading by the fact check unit of the Indian government;

i. threaten the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, or public order, or cause incitement to the commission of any cognizable offence, or prevent investigation of any offence, or insult another nation in any manner;

j. use the Services in any unlawful manner, for fraudulent or malicious activities, or in any manner inconsistent with these Terms; 

k. reverse engineer, decompile, or disassemble the Services or the Platform;

l. take any action that may adversely affect the Services or Platform; or

m. violate Applicable Laws in any manner.

8. DISCLAIMER

8.1. The use of the Services and the Platform is at your sole risk. You hereby accept full responsibility for any consequences that may arise from your use of the Services or the Platform, and expressly agree and acknowledge that ABCDL shall have absolutely no liability with respect to the same.

8.2. To the fullest extent permitted under Applicable Law, the Services and other products, information, materials, and services provided by ABCDL are provided "as is". To the fullest extent permitted under Applicable Law, ABCDL disclaims all warranties of any kind, express or implied, arising out of the Services, including merchantability, fitness for a particular purpose, title, and non-infringement, and all warranties arising from course of dealing, usage, or trade practice in respect to the same. Without limiting the foregoing, ABCDL makes no warranty of any kind that the Services, Platform, or any products or results of the use thereof, will meet your or any other persons' requirements, operate without interruption, achieve any intended result, be compatible or work with any software, systems, or other services, be secure, accurate, complete, free of harmful code or error-free.

8.3. You shall be solely responsible for the activities that may take place through your Account, and you agree to use, access, and enter the Platform at your sole risk.

8.4. You understand that we shall in no manner be held liable for any unauthorised use of the Service or the Platform through your Account due to unauthorised access including but not limited to hacking and security breaches.

8.5. You understand and agree that we do not accept any responsibility or liability for any loss or damage that you may suffer or incur if any information, documentation, material, or data provided to avail the Services or the Platform is incorrect, incomplete, inaccurate, or misleading, or if you fail to disclose any material fact.

8.6. You hereby accept full responsibility for any consequences that may arise from your use of the Services or the Platform, and expressly agree and acknowledge that ABCDL shall have absolutely no liability with respect to the same.

8.7. ABCDL may partner with third-party payment processors (“Payment Processor”) to enable you to transact and make payments through the payment method selected by you. The processing of payments is subject to the Additional Terms and Conditions of such Payment Processor in addition to these Terms. ABCDL shall not be liable for any errors by the Payment Processor. In the event of any unsuccessful payments, the money so debited shall be credited in accordance with the Additional Terms and Conditions of the Payment Processor.

8.8. To the fullest extent permissible by law, ABCDL, its Affiliates, and its related parties each disclaims all liability to you for any loss or damage arising out of or due to:

a. your use or inability to use, or availability or unavailability of the Services, including any Third Party Services;

b. the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services or the Platform, communications failure, theft, destruction, or unauthorised access to ABCDL’s records, programmes, services, servers, or other infrastructure relating to the Services or the Platform;

c. the failure of the Services or the Platform to remain operational for any period of time; or

d. the collection or processing of your personal information by ABCDL.

8.9. You also agree and acknowledge that there can be disruption in communication due to factors outside our control, including but not limited to your device being switched off, incorrect email address, network interruptions. You agree not to hold us liable for non-delivery for any alert or any loss suffered by you due to any delay, distortion or failure of communication.

8.10. You further agree and acknowledge that offers provided by us may vary from user to user.

9. FEES

9.1. The fees charged for the Services shall be set forth on the Platform for the specific Service (“Fees”). We are offering the Services to you at no cost, however, we reserve the right to charge such Fees as we may determine, in our sole discretion from time to time, to provide you with the Services chosen by you.

9.2. Once we start charging the Fees, you will be charged and agree to pay the applicable Fee to use the Services chosen by you, as specified on the Platform, and all applicable taxes, duties or other governmental assessments based on your use of the Services. 

10. INDEMNITY

10.1. You shall indemnify, defend at and hold ABCDL, its Affiliates, and their officers, associates, successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any direct or indirect losses, actions, damages, penalties, cost and expenses, claim, demand, lawsuits, a judicial proceeding, (including, without limitation, from all damages, liabilities, settlements, costs, and attorney's fees) arising from or relating to:

a. acts, commissions or omissions, errors, misrepresentations, misconduct, negligence, fraud, forgery, dishonesty, violation attributable to you and/or your personnel/agents/representatives, or any third party who may use your Account, your access to the Platform and the Services and your use of the Platform and the Services in violation of these Terms.

b. contravention of any Applicable Law.

c. any claim from any Authority or any third party as a result of any action or inaction on your part, including but not limited to a breach of these Terms or any acts committed beyond the scope of these Terms.

11. LIMITATION OF LIABILITY

11.1. Notwithstanding anything to the contrary contained herein, neither ABCDL nor any of its Affiliates or related parties shall have any liability to you or any third party for any indirect, incidental, special, or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms, including any action taken by any Authority. 

11.2. Notwithstanding any provision to the contrary, ABCDL’s maximum aggregate liability to you under the Terms or otherwise for any loss in connection with the Platform or a Service shall be limited at INR 5,000.

12. TERM AND TERMINATION

12.1. These Terms shall remain in effect unless terminated in accordance with the terms hereunder (“Term”).

12.2. ABCDL may terminate your access to or use of the Services, Platform, or any portion thereof, immediately and at any point, at its sole discretion if you violate or breach any of its obligations, responsibilities, or covenants under these Terms. 

12.3. Upon termination under this Clause 12:

a. the Services and/or the Platform will “time-out”;

b. you shall not be eligible to avail any features of the Services and/or the Platform; and

c. these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.

12.4. Notwithstanding anything to the contrary contained in the Terms, upon termination of your access to or use of the Platform and/or the Services, you must immediately stop using the Platform.

13. MISCELLANEOUS PROVISIONS

13.1. Severability: If any provision of these Terms is determined by any court or other competent Authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).

13.2. Waiver: No failure or delay in exercising any right, power, or privilege hereunder shall operate as a waiver thereof nor shall any single or partial exercise of any right, power, or privilege preclude any other or further exercise thereof or the exercise of any other right, power or privilege. Every right or remedy herein conferred upon or reserved to either party shall be cumulative and shall be in addition to every right and remedy existing at law or equity or by statute and the pursuit of any one right or remedy shall not be construed as an election.

13.3. Force Majeure: You agree that we shall not be liable for any breach of these Terms if such breach is caused by an event that is unforeseeable and beyond our reasonable control (such as, depending on the circumstances, unavailability of any communication system, breach or virus in our system, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, unauthorised access to computer data and storage devices, computer crashes and regulatory or government actions (“Force Majeure Event”). In such circumstances, we will be entitled to a reasonable extension of time to perform our obligations and shall take commercially reasonable methods to inform you of the Force Majeure Event and use all reasonable endeavors to mitigate the effects of the Force Majeure Event.

13.4. Notices: All notices, requests, demands, and determinations for ABCDL under these Terms (other than routine operational communications) shall be sent to 18th Floor, One World Center, Tower 1, Jupiter Mills Compound, 841 Senapati Bapat Marg, Elphinstone Road Delisle Road Mumbai 400013.

13.5. Third Party Rights: No third party shall have any rights to enforce any Terms contained herein.

13.6. Translations: ABCDL may provide you with translated versions of these Terms solely to assist you with understanding these Terms in greater detail. The English version of these Terms shall be controlling in all respects. In the event of any inconsistency between the English version of these Terms and any translated version, the terms of the English version shall prevail.

13.7. Modifications: ABCDL reserves the right at any time to modify these Terms and to add new or additional terms or conditions on the use of the Services and the Platform. We will try to give you reasonable notice of any major changes.. If you choose to continue using the Services and the Platform after such modifications, it will be considered as your acceptance of the modified Terms. In the event you refuse to accept such changes, these Terms will terminate. We also reserve the right to suspend or withdraw or restrict the availability of all or any part of our Platform or the Services for business and operational reasons.

13.8. Regulatory Changes: You acknowledge and agree that we may have to modify the Services or the Platform to comply with the Applicable Laws. As a result of this, you may be unable to access or use all or any part of the Services or the Platform. We shall not be liable to you for such inability to use the Services or the Platform pursuant to our compliance with the Applicable Laws. 

14. GOVERNING LAWS AND JURISDICTION

14.1. These Terms shall be governed by and construed in accordance with the laws of India and subject to Clause 14.2 to 14.7, any dispute concerning these Terms shall be subject to the exclusive jurisdiction of courts at Mumbai, India. 

14.2. Any dispute or claim arising out of or in connection with or relating to these Terms or their breach, termination, or invalidity hereof shall be referred to and finally resolved by arbitration in Mumbai in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, which rules are deemed to be incorporated by reference in this Clause 14.2.

14.3. Within 30 (thirty) days of the issue of a notice of dispute, ABCDL and you shall mutually agree on the appointment of a sole arbitrator. If such mutual agreement is not arrived at within the aforesaid 30 (thirty) days period, ABCDL and you shall appoint such sole arbitrator in accordance with the Arbitration and Conciliation Act, 1996.

14.4. The seat of arbitration shall be Mumbai and the arbitration proceedings shall be conducted in the English language.

14.5. We/You agree to keep the arbitration confidential and not disclose to any person, other than those necessary to the proceedings, any information, transcripts, or award unless required by Applicable Law. The decision of the arbitrator shall be final and binding on us/you hereto.

14.6. We/You hereto agree that our/your consent for the resolution of the dispute through arbitration shall not preclude or restrain you/us from seeking suitable injunctive relief in appropriate circumstances from courts in Mumbai.

14.7. The cost of arbitration shall be borne in a manner by us/you as determined by the arbitrators. In the meantime, we/you shall bear our/your own cost for the arbitration which shall be reimbursed as per the directions in the arbitral award.

14.8. Notwithstanding any provision to the contrary, nothing in these Terms shall preclude any of your rights under Applicable Laws.

15. CONTACT DETAILS

15.1. To exercise any of the rights or for sharing any grievance or queries, please write us an email at abcd.servicehead@adityabirlacapital.com as per the details provided below. 

a. Name: Himanshu Kaul
b. Designation: Customer Insights Manager 
c. Address: GCorp Tech Park Ghodbunder Road Thane 400601