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नियम व शर्त

Disclaimer

1. The information, response, advice provided or medicines prescribed/ sold by Jain’s Cow Urine Therapy Health Clinic/Swaarnim Naturscience Limited (“the Clinic”) to any query posted/mailed is solely on the basis of the information provided by you and is meant for general information only. It is clarified that the term ‘Clinic’ shall include its affiliate and associate companies, directors, officers, employees or doctors.

2. The content on this website and the advice of the Clinic’s doctors is not intended to be, nor is it a substitute for professional medical advice/attention, diagnosis or hands on treatment. This website and its facilities are not intended to replace a doctor’s judgment or the care and treatment that only a qualified healthcare provider may give upon due clinical examination of symptoms and/or co-relation of reports with such examination. You shall provide full and complete information pertaining to the ailment (including but not limited to your medical history). The Clinic shall be entitled to presume that the said information provided by you is true and correct.

3. The Clinic will make best possible endeavours to provide satisfactory, accurate and useful information as a response to any query. The Clinic does not (expressly or impliedly) guarantee the accuracy, integrity or quality of any information, response advice or medicines prescribed/ sold to you. The various tips or recommendations provided to any query do not assure good health or recovery from any medical condition. Health is the result of many factors, some of which are not yet fully understood and therefore it is important to rely only on the advice of a health care professional to advice on any specific condition/situation. Please note that results and duration of treatment may vary depending on the constitution of your body. The response to any query should not be relied upon as suggesting a course of treatment and it can not replace/substitute regular medical check-ups in any manner whatsoever.

4. The Clinic shall not be liable for any negligence (including gross negligence), loss, injury or damage (including without limitation direct, indirect, consequential, special, exemplary or punitive loss, injury or damage) suffered by anyone on account of the use/performance of the information, response, advice furnished to you (via e-mail or otherwise), any action or lack of action by a you and/ or medicines prescribed/ sold to you.
5. The Clinic expressly disclaims any responsibility with respect to the completeness, accuracy and fitness of the responses given vide this website (through e-mail or otherwise). No warranty or representation of any kind, express or implied, is given by or on behalf of the Clinic that the responses to the queries, shall be appropriate, secure, reliable and free- from-error. In spite of the Clinics’ best efforts, the information on this website may become outdated although, efforts will be made to correct the errors and keep the content updated. Also, the information and materials on this website are provided on “as is” basis.

6. The Clinic reserves the right to make changes in the website, withdraw access to this website and revise the services and products described in this website at any time without any previous notice.

7. You agree to indemnify and hold safe harmless indemnified the Clinic against any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on the Clinic’s website/services.

8. This website may link you to third-party websites maintained by others on the internet. These links are provided solely as a convenience to users. References to any entity, product, service, procedure, opinion or source of information should not be considered an endorsement, either direct or implied. The Clinic can not take responsibility for information found on third-party websites and if you decide to access linked third-party websites, you may do so at your own risk.

9. Any content downloaded or otherwise obtained through the use of this website is done at your own discretion and risk. The Clinic does not warrant that this website will be uninterrupted or error-free, that any defects will be corrected, or that this website or the server(s) that make it available are free of viruses or other harmful components.

10. The information, artwork, text, video, audio, or pictures (“Materials”) contained on this website are protected by copyright laws and are the sole property of the Clinic. You may only access and use the Materials for personal purposes. You may not modify or use the Materials for commercial or any other purpose, without express written consent.

11. You understand that the internet contains unedited materials, some of which are sexually explicit and may be offensive and access to such material shall be entirely at your own risk. The Clinic has no control over, does not subscribe to and is in no manner responsible for, such materials. You should use your discretion while accessing this website and the internet.

12. The Clinic shall not trade or sell your personal information to any third party or non- affiliated companies. We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information.

13. By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website. You fully and completely understand that the contents herein and agree to the same. You are acting on your free will and consent to the contents herein. You must not delay or disregard medical advice or discontinue treatment with respect to any medical condition, without consulting his personal doctor, clinicians or therapist.

Privacy Policy

Jain’s Cow Urine Therapy Health Clinic/ Swaarnim Naturscience Limited ("Swaarnim") is committed to implementing measures designed to protect the privacy of those using our services and accessing this website www.cowurine.com ("the Website"). It is clarified that the term "Swaarnim" shall include its affiliate and associate companies, directors, officers, employees or doctors. Swaarnim respects the privacy of all those who visit our Website, and use our online services through computers, mobiles or otherwise. Except as set forth within this Privacy Policy, our Terms of Service, our Disclaimer and other published guidelines, we do not release personally identifiable information (as described below) about users of this Website without their permission.

Ownership of the Website:
This Website is owned and managed by Swaarnim. All references to Swaarnim shall be deemed to mean a reference to www.cowurine.com. All information and content provided on this Website shall be the sole property of Swaarnim and all rights for distribution are reserved with Swaarnim.

Effect of this and related documents:
This Privacy Policy, our Terms of Service, our Disclaimer and other published guidelines, govern your interaction and use of this Website.

Periodic policy changes:
Please note that Swaarnim may reviews its Privacy Policy from time to time as it may deem fit (e.g., to track technology and/or legal changes), and hence this Privacy Policy is subject to change. We strongly suggest that you bookmark and periodically review this page to ensure continuing familiarity and awareness with the most current version of our Privacy Policy.

Information we may gather:
Swaarnim offers online resources designed to provide health, medical, and product-related information and services such as chat with doctor, online discussion forums, communities, counselling services, phone consultations and e-mail communication etc. For the said purpose certain personally identifiable and non-personally identifiable information has to be gathered, relied upon and used, as described below.

Non-personally-identifiable information
General: When users come to our Website, we collect and aggregate information indicating their home server, but not their e-mail addresses. Such information helps us identify the most popular content and portions of our Website and determine the effectiveness of our various promotional activities. We aggregate such information for internal review and thereafter it is superseded by more recent information

"Cookies": We also use "cookies" – that is, small text files placed on your computer's hard drive/ mobile – to help you in getting faster access to this Website's contents, and to help us determine the type of content you find of interest, the sites to which you link, the length of time you spend at any particular area of this Website and in particular Swaarnim services you choose to use. Cookies are only read by the server that placed them, and are unable to execute any code or virus. Cookies allow Swaarnim to serve you better and to personalize your web-browsing experience. Nevertheless, you can control how and whether cookies will be accepted by your web browser. For more information on how to do this, please refer to the documentation accompanying your browser or third party web sites.

Personally identifiable information:
General: In certain areas of this Website, we require that you provide us with personally-identifiable information, in order to be able to use that portion or those portions of this Website. For instance, the names and contact information of persons who visit our Website are added to our database (presently maintained in Mumbai, India) so that, for example, they may be contacted in the future regarding Swaarnim products, services or future opportunities. Such contact may occur by e-mail, telephone or mail, as Swaarnim deems appropriate.

 Specific: Swaarnim may also collect health information about you that you provide by while enquiries/ raising queries or during the treatment/ responding to our questions and surveys (including but not limited to information pertaining to the ailment described by you, your medical history, pictures, records etc.).

 Billing Information: As some of services provided by Swaarnim are paid services, Swaarnim may require additional information pertaining to your contact details, billing address, credit card information etc.

All such information collected is for the purpose of providing consultancy and counselling services to you. We may also collect information from you if you subscribe to any of our regular newsletters.

Providing us with the aforesaid information is optional. However, in some cases it may not be possible for us to provide the service in question without receiving certain information from you.

How we use the information we gather:
Swaarnim will use the information received to provide services in the best interest of the users. You agree and understand that the apart from Swaarnim and its representatives, certain third parties, such as operations and maintenance contractors repairing and maintaining our technical systems may have access to your personal data. Swaarnim has not entered into non-disclosure agreements with such third parties. You consent to such persons having access to your information.

How We Use Non-Personally Identifiable Information: We aggregate data on users' home servers for internal review purposes, in order to build higher quality, more useful online services and better products, e.g., by performing statistical analysis of the collective characteristics and behaviour of our users. Following such internal review, such aggregated information is then superseded by more recent information.

How We Use Personally-Identifiable Information: Swaarnim provides notice to users that personally-identifiable (i.e., non-aggregated) information will be collected during the web-browsing process. This Privacy Policy also serves as a notice that such information is collected under those circumstances. Swaarnim may use such information to enhance your experience by providing such information to appropriate third parties, including any outsourcers, as reviewed and selected by Swaarnim.

Additionally, Swaarnim shall use the information provided by you to administer and respond to your enquiry. Your enquiry will be researched by our information team, who will respond to the same. Swaarnim shall make best endeavours to securely store the information supplied and the response provided. Swaarnim may also produce reports on the use of the services utilised by the user to monitor and develop the services.
With your permission, academic institutions and/or Swaarnim may use your data for case studies, wherein your name, age, ailment and other details may be revealed. In these instances, we shall inform you in advance and obtain your consent for the same. You will have the choice to opt out of the study.

Swaarnim reserves the right to disclose information contained in our access logs concerning any user as we reasonably feel is necessary to protect our systems or business. In particular, we reserve the right to disclose such information when a user is in violation of our current or later Terms of Service, Disclaimer, Privacy Policy or other published guidelines, or initiates or participates (or is reasonably believed to participate) in any illegal activity, even without a subpoena, warrant, or other court order, and to disclose such information in response to court and governmental orders, civil subpoenas, discovery requests, and as otherwise required by law. Other causes of release of data may include but are not limited to: (i) taking precautions against liability issues; (ii) to assist government enforcement agencies; (iii) to investigate and defend Swaarnim against third party claims or allegations; (iv) to protect the security or integrity of the Website and/or services provided by Swaarnim; and/or (v) to protect the rights, property, or personal safety of Swaarnim, users of the Website and any other person.

Swaarnim shall be entitled to share your information for business reasons such as reorganization/ divestment of its business through sale, merger or acquisition. Swaarnim will, in such a scenario, obtain written assurances that the information will be adequately and appropriately protected in these circumstances.

Consultancy and counselling are intended solely for your use.  All information is tailored to meet your individual situation/circumstances (on the basis of the information furnished by you) and is therefore not appropriate to be shared with others. You shall not without prior written permission from Swaarnim share this information with any person whosoever, and/ or alter or edit the same.

How the User Can Access or Correct Information:
In order for Swaarnim to provide effective consultancy and counselling services, you shall be required to provide full, complete information and updated information pertaining to the ailment (including but not limited to your medical history). Swaarnim shall be entitled to presume that the said information provided by you is true, correct and updated.

You can access all your personally identifiable information that we collect online and maintain by calling us or sending us an e-mail as per the contact details stated herein. Where offered, you also may update your personal information by modifying information that you previously have entered into forms or data fields on our Website.

Please note that Swaarnim shall not be responsible in any manner whatsoever for wrong diagnosis and/ or prescription.

We will use reasonable efforts to correct the incorrect information. We use this procedure to better safeguard your information. 

Interactive Areas:
Swaarnim provides certain services such as bulletin boards, discussion forum, chat rooms and other interactive areas ("Interactive Areas") on the Website.

Any information you reveal in the Interactive Areas, including but not limited to any public forum is not subject to this Privacy Policy and can be seen by third parties unrelated to Swaarnim. It is therefore important that you carefully consider what information you disclose in these Interactive Areas.
Further, Swaarnim can not and does not control the acts and comments of the users of its Website's services or monitor the accuracy of postings by such users.  If communications in such Interactive Areas are not in conformity to the Terms of Service, Disclaimer or the Privacy Policy, Swaarnim shall solely be entitled to investigate the allegation and remove or request the removal of the communication. Swaarnim reserves the right (but is not obligated) to edit or delete any communication posted on the Website, regardless of whether such communication violate these standards for content. The views expressed by the users of this Website (including but not limited to the Interaction Areas) are that of the users and Swaarnim does not subscribe to or agree with the contents therein in any manner whatsoever. Swaarnim cannot and does not assume any responsibility for any actions or omissions of third parties, including other website users and the manner in which they might use information received from Swaarnim. In the event that you encounter any user who (a) is improperly collecting or using information about you or other users; or (b) making inappropriate comments or remarks, please email to drjain@cowurine.com.

Data Security:
Swaarnim will take reasonable steps to protect your personal information as it is transmitted from your computer and/ or mobile to our online resources and servers, as well as to protect personal information in its possession from unauthorized access, disclosure, alteration or destruction.
Due to the nature of online consultancy, chat and counselling, it is your personal responsibility to secure your own copies of your passwords and related access codes for our online resources.

You must promptly notify Swaarnim of changes to: (a) your account or membership number; (b) your address and (c) any other information as you may deem fit (including but not limited to information pertaining to your health). You must also promptly notify Swaarnim if you become aware of any actual or potential breach of security, such as the unauthorised disclosure or use of your member identification, user name or password etc.
We will be mailing you newsletters and updates from time to time and you agree and understand that this will not be in violation of Privacy Policy herein.

Third party website:
In the event that you access any third party website through this Website, Swaarnim highly recommends that you consult the respective privacy policy, disclaimer and terms of use of that website. These links are provided solely as a convenience to you and not as an endorsement by Swaarnim of the content on such third-party websites. Swaarnim does not and can not control the contents and activities of other websites.

Swaarnim Commitment to children's privacy:
Protecting the privacy of children is very important to Swaarnim, and in furtherance of this, it does not collect or maintain information at the Website from those under 18 (eighteen) years of age. No part of its Website is structured to cater to minors.

Feedback:
This Website and e-mails received by you may include surveys that seek your feedback on the services provided to you by Swaarnim. This information is used to improve our services and identify Website and service enhancements. By providing Swaarnim with any information or ideas you acknowledge that Swaarnim is free to use this feedback for any purpose whatsoever, without any compensation to you.

Consent:
By using the Website, you agree that the terms set out in this Privacy Policy are reasonable. If you do not think they are reasonable, you must not use this Website. You fully and completely understand the contents herein and agree to the same. You are acting on your free will and consent to the contents herein.

Contact us:
Should you have other questions or concerns about this Privacy Policy, please write to Swaarnim registered office at 165 RNT Marg Indore MP 452001 India, or Contact Us

Refund and Return Policy

  1. You may receive a refund of any Product that you ordered up to thirty (30) days after your order is placed.
  2. Customers are restricted to receiving a single refund per product ordered. Repetitive refunds are not permitted unless the product, as delivered to you, is defective. We reserve the right to refuse a refund to any customer who repeatedly requests refunds or who, in our judgment, requests refunds in bad faith.
  3. In order to process your refund, you must supply us with your name and delivery address. If you provide us with insufficient or incorrect information your refund will be delayed.
  4. Depending on the bank that issues the credit card, your refund can take up to thirty (30) days to appear on your credit card statement. If you have any questions about whether a refund has been issued by us, please call Our Customer Service Department.
  5. Shipping and handling costs are not refundable.
  6. Refund will be given of only those products which are returned in packed condition without any use in part or full.
  7. We will not bear any cost incurred in shipping and handling for products returned by the customer.
  8. Shipping and handling charges become non-refundable once the product has left the warehouse.
  9. Entry of the product in any country outside India is sole discretion of the customs and food and drug authority of the country. We will supply the necessary documents for the clearance of the same but we do not guarantee clearance. In case of any shipment not release by the authorities we will resent the shipment once without any cost or refund the product cost. Shipping and handling are not refundable in any case.
  10. In case of second delivery attempt fails we will not be refunding the payment in part or full in any case.

Shipping & Delivery policy

All the products shipped within India are shipped by Express Parcel service (‘EPS’) of Indian Postal Department. Generally it delivers the products in 7 working days across the country. The time may increase in case of unforseen events and natural calamities. EPS does not provide any online tracking services. Customer will have to contact nearest post office for tracking the shipment.

Deliveries outside India are done by DHL and UPS courier. Generally it delivers the products in 7 working days across the country. The time may increase in case of unforseen events and natural calamities. EPS does not provide any online tracking services. Entry of the product in the country is sole discretion of the customs and food and drug authority of the country. We will supply the necessary documents for the clearance of the same but we do not guarantee clearance. In case of any shipment not release by the authorities we will resent the shipment once without any cost or refund the product cost. Shipping and handling are not refundable in any case.

In case of second delivery attempt fails we will not be refunding the payment in part or full in any case.

Terms of Service

Introduction
This website, www.cowurine.com ("Website") is owned and managed by Swaarnim Naturscience Limited ("Swaarnim"). It is clarified that the term 'Swaarnim' shall include its affiliate and associate companies, directors, officers, employees or doctors. All references to the Website shall be deemed to mean a reference to Swaarnim and vice versa, as the context may require. Except as stated herein, Swaarnim is the sole owner of all information and content provided on the Website. Any person accessing the Website and/or availing of the services provided by Swaarnim through the Website shall be referred to as "the User".

Information on the Website
In spite of the Swaarnim's best efforts, the information on the Website may become outdated although, efforts will be made to correct the errors and keep the content updated. Also, the information and materials on the Website are provided on "as is" basis. Swaarnim will make best possible endeavours to provide satisfactory, accurate and useful information as a response to any query. Swaarnim offers online resources designed to provide health, medical, and product-related information and services such as chat with doctor, online discussion forums, communities, counselling services, phone consultations and e-mail communication etc. The content on the Website and the advice of the Swaarnim's cyber doctors is not intended to be, nor is it a substitute for professional medical advice/attention, diagnosis or hands on treatment. In the event that the User finds an error or omission at this site it may inform the Website of the same.

The content on the Website and the advice of Swaarnim's cyber doctors is not intended to be, nor is it a substitute for professional medical advice/attention, diagnosis or hands on treatment. Further, the Website and its facilities are not intended to replace a doctor's judgment or the care and treatment that only a qualified healthcare provider may give upon due clinical examination of symptoms and/or co-relation of reports with such examination. The User shall provide full and complete information pertaining to the ailment (including but not limited to the User's medical history). The Swaarnim shall be entitled to presume that the said information provided by you is true and correct.

Swaarnim does not (expressly or impliedly) guarantee the accuracy, integrity or quality of any information, response advice or medicines prescribed/ sold to you. Swaarnim shall not be bound in any manner by any information contained on the Website.

Usage of the Website
The User shall not under any circumstances whatsoever use the Website to send or post any messages or any material that is defamatory, unlawful, abusive, harassing, indecent, harmful, threatening, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law. The User understands that the Website may not be accessible or access may be interrupted due to technical difficulty or otherwise. Swaarnim is not and shall not be responsible for any delay/ failure by the User to access the Website and/or any error/ omissions owing to such delay/ failure.

The User warrants and represents to Swaarnim that the User is legally entitled to access the Website and avail of the services available. The User is not a minor and is competent to contract and/ or agree and understand the terms of these Terms of Service, Disclaimer and Privacy Policy.
The User expressly agrees and permits Swaarnim to contact him/her via the contact number / e-mail addresses provided, from time to time for promotions, feedback, surveys that may be carried out by Swaarnim.

The User has voluntarily chosen Cow Urine Therapy (Ayurveda) medical treatment. The User is aware of and understands the negative & positive side effects, expectation of improvement in health and the period of reasonable treatment.

Swaarnim may in its sole discretion be entitled to block / deny access to any person under any circumstances whatsoever, without giving any prior notice.

Payment Terms
The User understands and agrees that the services furnished by Swaarnim shall commence on payment of fees for premium services. Swaarnim shall be entitled to terminate the services furnished to the User in case of non-payment or delay or payment.
The payment are taken in advance and then the mediicnes/products are shipped to the customer.

Interactive Areas
Swaarnim provides certain services such as bulletin boards, discussion forum, chat rooms and other interactive areas ("Interactive Areas") on the Website.

Any information you reveal in the Interactive Areas, including but not limited to any public forum is not subject to this Privacy Policy and can be seen by third parties unrelated to Swaarnim. It is therefore important that you carefully consider what information you disclose in these Interactive Areas.
Further, Swaarnim can not and does not control the acts and comments of the other users of the Website's services or monitor the accuracy of postings by such users. If communications in such Interactive Areas are not in conformity to these Terms of Service, Disclaimer or the Privacy Policy, Swaarnim shall solely be entitled to investigate the allegation and remove or request the removal of the communication.

Swaarnim reserves the right (but is not obligated) to edit or delete any communication posted on the Website, regardless of whether such communication violate these standards for content or for any other reason whatsoever.

The views expressed by the users of the Website (including but not limited to the Interaction Areas) are that of the users and Swaarnim does not subscribe to or agree with the contents therein in any manner whatsoever. Swaarnim cannot and does not assume any responsibility for any actions or omissions of third parties, including other website users and the manner in which they might use information received from Swaarnim.

Intellectual Property Rights
Swaarnim is solely entitled to the trade marks, names, logos and service marks, copyrights and all other intellectual property rights including but not limited to the software, application, graphics, text and other materials used therein. Nothing contained on the Website should be construed as granting any licence or right to use any trade mark without the prior written permission of Swaarnim. Any other material displayed on the Website that is capable of being protected as intellectual property shall be the property of Swaarnim and nothing contained on the Website should be construed as granting any licence or right to use any such material without the prior written permission of Swaarnim.

Third party websites
Please note that the Website may link you to third party websites maintained by others on the internet. These links are provided solely as a convenience to Users. References to any entity, product, service, procedure, opinion or source of information should not be considered an endorsement, either direct or implied. In the event that you access any third party website through the Website, Swaarnim highly recommends that you consult the respective privacy policy, disclaimer and terms of use/service of that website. The links to third party websites are provided solely as a convenience to you and not as an endorsement by Swaarnim of the content on such third-party websites. Swaarnim can not take responsibility for information found on third party websites and if you decide to access linked third-party websites, you may do so at your own risk. Swaarnim does not and can not control the contents and activities of other websites. No hypertext links shall be created from any website controlled by the User or otherwise to the Website without the express prior written permission of Swaarnim. The User is to contact Swaarnim if it would like to link the Website or would like to request a link to its website.

Disclaimer
Swaarnim expressly disclaims any responsibility with respect to the completeness, accuracy and fitness of the responses given vide the Website (through e-mail or otherwise). No warranty or representation of any kind, express or implied, is given by or on behalf of Swaarnim that the responses to the queries, shall be appropriate, secure, reliable and free-from-error.

Swaarnim shall not be liable for any negligence (including gross negligence), loss, injury or damage (including without limitation direct, indirect, consequential, special, exemplary or punitive loss, injury or damage) suffered by anyone on account of the use/performance of the information, response, advice furnished to you (via e-mail or otherwise), any action or lack of action by the User and/ or medicines prescribed/ sold to the User.
Swaarnim shall not be responsible in case of any false/ misleading information/ statement made by the User during any sort of interaction with the Swaarnim or the Website.

Please note that health is the result of many factors, some of which are not yet fully understood and therefore it is important to rely only on the advice of a health care professional to advice on any specific condition/situation. The results and duration of treatment may vary depending on the constitution of the human body. The response to any query should not be relied upon as suggesting a course of treatment and it can not replace/substitute regular medical check-ups in any manner whatsoever.

Indemnity
The User indemnifies and shall hold safe harmless indemnified Swaarnim against any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on the Website use of its services, in any manner whatsoever.

Sharing of User information
The User hereby agrees and understands that Swaarnim shall be entitled to share the information of the User with its affiliates and associate companies, directors, officers, employees or cyber doctors, if and when required. The User does not and shall not have any objection with Swaarnim sharing such information. All information posted/ furnished by the Users on this Website shall solely belong to Swaarnim. For more details pertaining to rights, usage and sharing the User's information kindly refer to the Privacy Policy.

Entirety
These Terms of Service, Disclaimer and the Privacy Policy constitute the entire understanding and agreement between the User and Swaarnim. There are no understandings, representations or warranties (whether written or oral) except as expressly set forth or referred to herein.

Alteration
Swaarnim reserves the right at any time to change or discontinue without notice, any aspect or feature of the Website. The User expressly agrees and undertakes to be bound to the current version of the relevant terms and conditions (the "current version") as and when updated/altered. The User shall be solely responsible for reviewing these Terms of Service each time it visits the Website. Swaarnim shall not be bound to notify any change in these Terms of Service, Disclaimer and the Privacy Policy.

Waiver
No delay, forbearance or indulgence in exercising or omission to exercise any right, power or remedy accruing to Swaarnim upon any default by the User shall impair any such right, power or remedy or shall be construed to be a waiver thereof or any acquiescence to such default, nor shall the action or inaction of the Investor in respect of any acquiescence by them in any default, affect or impair any right, power or remedy of the Investor in respect of any other default.

Assignment
Swaarnim shall be entitled to assign all its rights and obligations arising out of or in relation to the Terms of Service, Disclaimer and Privacy Policy to any third party, as it may in its sole discretion decide.

Severability
If one or more of the provisions of the Terms of Service, Disclaimer and the Privacy Policy hereof shall be void, invalid, illegal or unenforceable in any respect under any applicable law or decision, the validity, legality and enforceability of the remaining provisions herein contained shall not be affected or impaired in anyway.

Arbitration
If any dispute, difference, claim or question shall at any time arise between Swaarnim and you, in relation to the use of the Website (in any manner whatsoever) such dispute, difference, claim or question shall be referred to arbitration. Swaarnim and you shall mutually appoint a sole arbitrator. Such arbitration shall be held in accordance with the provisions of the Arbitration and Conciliation Act, 1996 or any statutory modification or re-enactment thereof. The venue of arbitration shall be Mumbai and the proceedings shall be in the English language.

Governing Law and Jurisdiction
These Terms of Service shall be governed by the laws of India and the courts in Mumbai shall have exclusive jurisdiction.  

Contact us
Should the User have other questions or concerns about these Terms of Service, the User should write to Swaarnim's registered office at 165 RNT Marg Indore MP, India, or Contact Us

Acceptance by User
The User agrees and undertakes that the User has read and understood these Terms of Service, Disclaimer and the Privacy Policy. By using this website, you agree that the exclusions and limitations of liability set out in this Terms of Service, Disclaimer and the Privacy Policy are reasonable. If you do not think these are reasonable, you must not use this website. The User must first agree to these Terms of Service in order to access the Website and use its services. The User should not use the services available on the Website if you do not accept and agree to these Terms of Service.
In the event that the User is not 18 years old or is incapable of entering into a contract under the Indian laws or other countries including the country in which the User is resident or from which the User uses the services available on the Website. The User agrees that it is acting on its free will and consents to the contents herein.

Swaarnim strongly recommends that the User prints and saves a local copy of these Terms of Service, Disclaimer and the Privacy Policy before proceeding to use the services of the Website.

The User accepts and agree to the Terms of Service when start to use the services of the website.