This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.
This document is published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and Terms of Use for access or usage of MyAddressBook Website and Mobile App
MyAddressBook Website and Mobile App (hereinafter referred to as "Mobile App") is the exclusive property of M/s. Empower Financial Consultants Pvt Ltd with its registered office at # 2101 The Baya Park, Senapati Bapat Road, Dadar(W), Mumbai- 400023
Your use of the MyAddressBook Website and Mobile App is governed by the following terms and conditions (“Terms of Use”) as applicable to the Mobile App including the applicable policies which are incorporated herein by way of reference. If you browse, access, secure access to the Mobile App, You shall be subject to all the policies and terms mentioned herein. By merely accessing or securing access, browsing the Mobile App, You shall be contracting with MyAddressBook Website and Mobile App, Empower Financial Consultants Pvt Ltd and these terms and conditions including the policies constitute your binding obligations, with MyAddressBook Website and Mobile App , Empower Financial Consultants Pvt Ltd.
For the purpose of these Terms of Use, wherever the context so requires ‘You’ or “User” shall mean any natural or legal person browsing, accessing or who has registered on the Mobile App by providing name, email id, phone no, passwords while signing up and registering on the Mobile App as Registered User using Computer, Mobile phones, Tablets.
For this purpose, the term “Third Party / Third Parties ” shall mean and include users and any parties other than M/s. Empower Financial Consultants Pvt Ltd.
MyAddressBook Website and Mobile App allows users to surf, browse the Mobile App with registering. The term “we”, “us”, “our” shall M/s. Empower Financial Consultants Pvt Ltd.
We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to you. It is your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of the website & Mobile App, following the posting of changes shall indicate your consent and acceptance to such revisions
As long as you comply with these Terms of Use, We grant you a personal, non-exclusive, non-transferable, limited privilege to enter, access, use the Website & Mobile App.
DOWNLOADING, ACCESSING, BROWSING, REGISTERING ON THE WEBSITE & MOBILE APP INDICATE YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS, SO PLEASE READ THE TERMS AND CONDITIONS CAREFULLY BEFORE PROCEEDING. By impliedly or expressly accepting these Terms of Use, You also accept and agree to be bound by the Privacy Policy and legal policies mentioned on MyAddressBook Website and Mobile App
Empower Financial Consultants Pvt Ltd is an intermediary and offers an online platform through the Website & Mobile App (MyAddressBook Website and Mobile App). The online platform offers Task & Document management. Further, the online platform enables the users to upload their client details, documents, etc through the Website & Mobile App (MyAddressBook Website and Mobile App). The online platform also facilitates the users to receive the various information (including contact details) across selected cities.
You understand, acknowledge and accept that the online platform i.e. MyAddressBook Website and Mobile App is only a mere facilitator in third regard.
MyAddressBook Website and Mobile App shall be used only by persons who can form legally binding contracts under Indian Contract Act, 1872. Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including minors, un-discharged insolvents etc. are not eligible to use MyAddressBook Website and Mobile App . If you are a minor i.e. under the age of 18 years, you shall not register as a member of MyAddressBook Website and Mobile App and shall not use MyAddressBook Website and Mobile App . As a minor if you wish to use or transact on MyAddressBook Website and Mobile App, such use may be made by your legal guardian or parents. MyAddressBook Website and Mobile App reserves the right to terminate your Registration and / or refuse to provide you with access to MyAddressBook Website and Mobile App, in case it is brought to the notice of MyAddressBook Website and Mobile App or if it is discovered that you are under the age of 18 years.
MyAddressBook Website and Mobile App charge fee for downloading, browsing, accessing, creating an account on MyAddressBook Website and Mobile App as per policies. However, MyAddressBook Website and Mobile App may at its sole discretion introduce new services and modify some or all of the existing services offered on MyAddressBook Website and Mobile App. In such an event, MyAddressBook Website and Mobile App reserves the right to introduce fees for the new services offered or amend/introduce fees for existing services, as the case may be. Changes to the Fee Policy shall be posted on MyAddressBook Website and Mobile App and such changes shall automatically become effective immediately after they are posted on MyAddressBook Website and Mobile App. Unless otherwise stated, all fees shall be quoted in Indian Rupees. You shall be solely responsible for compliance of all applicable laws including those in India for making payments to MyAddressBook Website and Mobile App
You agree, undertake and confirm that your use of MyAddressBook Website and Mobile App shall be strictly governed by the following binding principles. You hereby agree not to use MyAddressBook Website and Mobile App to:-
(a) harass or advocate harassment of another person;
(b) involve the transmission of "junk mail”, "chain letters”, or unsolicited mass mailing or "spamming";
(c) promote illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous;
(d) infringe upon or violates any third party's rights [including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person's name, email address, physical address or phone number) or rights of publicity];
(e) promote an illegal or unauthorized copy of another person's copyrighted work such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices
(f) provide material that exploits people in a sexual, violent or otherwise inappropriate manner or solicits personal information from anyone;
(g) provide instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses;
(h) upload, share, transmit video, photographs, or images of another person (with a minor or an adult).
(i) to gain or attempt to gain unauthorized access or exceeds the scope of authorized access to MyAddressBook Website and Mobile App or to account information or other areas of MyAddressBook Website and Mobile App or solicits passwords or personal identifying information for commercial or unlawful purposes from other users;
(j) engage in commercial activities and/or sales without our prior written consent of MyAddressBook Website and Mobile App such as contests, sweepstakes, barter, advertising and pyramid schemes etc. related to MyAddressBook Website and Mobile App . Throughout this Terms of Use, MyAddressBook Website and Mobile App ‘s prior written consent means a communication coming from MyAddressBook Website and Mobile App ’s Legal Department, categorically in response to your request, and categorically addressing the activity or conduct for which you seek authorization;
(k) solicit gambling or engage in any gambling activity which We, in Our sole discretion, believe is or could be construed as being illegal;
(l) interfere with another user's use and enjoyment of MyAddressBook Website and Mobile App or any other individual's user and enjoyment of similar services;
(m) harm minors in any way;
(n) infringe any patent, trademark, copyright or other proprietary rights or third party’s trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen items including images, pictures, information, data;
(o) violate any law for the time being in force;
(p) spread, transmit, upload software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information;
(q) threaten the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.
(r) to offer, attempt to offer, trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force.
(s)You shall not create liability for us or cause us to lose (in whole or in part) the services of our ISPs or any third parties including individuals, companies, entities, organisations etc.
1. You shall not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of MyAddressBook Website and Mobile App or any Content, or in any way reproduce or circumvent the navigational structure or presentation of MyAddressBook Website and Mobile App or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through MyAddressBook Website and Mobile App . We reserve our right to bar any such activity.
2. You shall not attempt to gain unauthorized access to any portion or feature of MyAddressBook Website and Mobile App or any other systems or networks connected to MyAddressBook Website and Mobile App or to any server, computer, network, or to any of the services offered on or through MyAddressBook Website and Mobile App , by hacking, password “mining” or any other illegitimate means.
3. You shall not probe, scan or test the vulnerability of MyAddressBook Website and Mobile App or any network connected to MyAddressBook Website and Mobile App nor breach the security or authentication measures on MyAddressBook Website and Mobile App or any network connected to MyAddressBook Website and Mobile App . You may not reverse look-up, trace or seek to trace any information on any other user of MyAddressBook Website and Mobile App , or any other customer, including any account on MyAddressBook Website and Mobile App not owned by You, to its source, or exploit MyAddressBook Website and Mobile App or any service or information made available or offered by or through MyAddressBook Website and Mobile App , in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by MyAddressBook Website and Mobile App
4. You shall not make any negative, denigrating or defamatory statement(s) or comment(s) about us or the brand name used by us including the terms M/s. Empower Financial Consultants Pvt Ltd, MyAddressBook Website and Mobile App or otherwise engage in any conduct or action that might tarnish the image or reputation, of M/s. Empower Financial Consultants Pvt Ltd, MyAddressBook Website and Mobile App or otherwise tarnish or dilute any trade or service marks, trade name and/or goodwill associated with the trade or service marks, trade name as may be owned or used by us. You agree that You will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of MyAddressBook Website and Mobile App ‘s systems or networks, or any systems or networks connected to the website & Mobile App
5. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of MyAddressBook Website and Mobile App or any transaction being conducted through MyAddressBook Website and Mobile App, or with any other person’s use of MyAddressBook Website and Mobile App
6. You may not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal, you send to us on or through the MyAddressBook Website and Mobile App or any service offered on or through MyAddressBook Website and Mobile App. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
7. You may not use MyAddressBook Website and Mobile App or any content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of M/s. Empower Financial Consultants Pvt Ltd, MyAddressBook Website and Mobile App and / or others.
8. You shall at all times ensure full compliance with the applicable provisions of the Information Technology Act, 2000 and rules there under as applicable and as amended from time to time and also all applicable laws, rules and regulations.
9. You may not transmit any chain letters or unsolicited commercial or junk email to other users via MyAddressBook Website and Mobile App
10. It shall be a violation of these Terms of Use to use any information obtained from MyAddressBook Website and Mobile App in order to harass, abuse, or harm another person, or solicit, or sell to another person including but not limited to individuals, entities, companies, organisations any such information.
11. You understand that we have the right at all times to disclose any information (including the identity of the persons providing information or materials on MyAddressBook Website and Mobile App as necessary to satisfy any law, regulation or valid governmental request. This may include, without limitation, disclosure of the information in connection with investigation of alleged illegal activity or solicitation of illegal activity or in response to a lawful court order or subpoena. In addition, we shall (You hereby expressly authorize us to) disclose any information about You to law enforcement or other government officials, as we, in our sole discretion, believe necessary or appropriate in connection with the investigation and/or resolution of possible crimes, especially those that may involve personal injury.
12. We reserve the right, but has no obligation, to monitor the materials posted on MyAddressBook Website and Mobile App. MyAddressBook Website and Mobile App shall have the right to remove or edit any content, product, image that in its sole discretion violates, or is alleged to violate, any applicable law or either the spirit or letter of these Terms of Use. In no event shall M/s. Empower Financial Consultants Pvt Ltd, MyAddressBook Website and Mobile App assume or have any responsibility or liability for any Content, information posted, uploaded, provided by any Third Party. Further, neither MyAddressBook Website and Mobile App , M/s. Empower Financial Consultants Pvt Ltd shall hold any responsibility, liability for any claims, damages or losses resulting from such content, listing, descriptions, actions of any Third Party
13. It is possible that other Users (including unauthorized users or “hackers”) may post or transmit offensive or obscene materials on MyAddressBook Website and Mobile App and that You may be involuntarily exposed to such offensive and obscene materials. It also is possible for others to obtain personal information about you due to your use of MyAddressBook Website and Mobile App and that the recipient may use such information to harass or injure you. We do not approve of such unauthorized uses, but by using MyAddressBook Website and Mobile App . You acknowledge and agree that we are not responsible for the use of any personal information that You publicly disclose or share with others on MyAddressBook Website and Mobile App
14. MyAddressBook Website and Mobile App shall have all the rights to take necessary action and claim damages that may occur due to your involvement/participation in any way on your own or through group/s of people, intentionally or unintentionally in DoS/DDoS (Distributed Denial of Services).
The Platform description, Content, text, user interfaces, visual interfaces, photographs, images, pictures, trademarks, logos, and artwork relating to MyAddressBook Website and Mobile App shall be the sole property of M/s. Empower Financial Consultants Pvt Ltd and we have worldwide, perpetual and transferable rights in regard to such Content. We shall be entitled to, consistent with our Privacy Policy as adopted in accordance with applicable law, use the Content or any of its elements for any type of use forever, including but not limited to promotional and advertising purposes and in any media whether now known or hereafter devised, including the creation of derivative works.
The content, images, description, listing information, contact details etc. relating to the Third Parties and any information uploaded any user while signing up on MyAddressBook Website and Mobile App shall herein after be referred to as “Third-Party Content”. You herein agree that the online platform MyAddressBook Website and Mobile App shall merely display such “Third-Party Content” and shall be a mere intermediary for this purpose.
All the intellectual property, proprietary rights arising out of such “Third Party Content” shall be the exclusive property of the respective intellectual property owners. We have no intention to acquire the intellectual property arising out of Third-Party Content. In no event, shall M/s. Empower Financial Consultants Pvt Ltd, MyAddressBook Website and Mobile App. any responsibility, liability for such Third-Party Content.
MyAddressBook Website and Mobile App may also contain free images, content from the internet, images legally outsourced from various sources, royalty free images and in such case, the source of the images, content may also be mentioned, and credit shall be given to the respective intellectual property owner.
Nothing contained herein shall be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including “mirroring”) to any other computer, server, MyAddressBook Website and Mobile App or other medium for publication or distribution or for any commercial enterprise, without the express prior written consent of M/s. Empower Financial Consultants Pvt Ltd, MyAddressBook Website and Mobile App
In the event of any criminal act committed by any user, Third Party / Third Parties or its staff or affiliates, you may take legal action against such Third Party / Third Parties or its staff or affiliates and in such cases MyAddressBook Website and Mobile App , M/s. Empower Financial Consultants Pvt Ltd shall also be informed about the same.
In the occurrence of the any such event mentioned above, you shall not make MyAddressBook Website and Mobile App , M/s. Empower Financial Consultants Pvt Ltd, a party to such offence, as the Third Party or its staff or affiliates are individually and severally liable for any criminal act committed by them
MyAddressBook Website and Mobile App, M/s. Empower Financial Consultants Pvt Ltd shall hold no responsibility, liability for any actions, acts including but not limited to errors, transmission, activities and issues arising out of internet connectivity and any other network related issues.
1. You shall be obliged to provide accurate information and other details to us
2. You shall also adhere to the minimum age requirement i.e. 18 years as defined by the law of the land
3. You shall read all the policies, terms mentioned in MyAddressBook Website and Mobile App
4. You shall not copy or use the information contained in MyAddressBook Website and Mobile App
5. You shall ensure compliance to the User Review policy contained herein
6. You shall be responsible for all and acts, actions, activities, commissions, omissions, fraud, negligence, misrepresentation etc. arising out of your account
7. You shall be responsible for ensuring reasonable security measures regarding your login credentials and in event shall MyAddressBook Website and Mobile App, M/s. Empower Financial Consultants Pvt Ltd be responsible or liable in this regard
8. You shall be responsible for any providing accurate, complete, true information while registering on MyAddressBook Website and Mobile App . In no event shall Empower Financial Consultants Pvt Ltd, MyAddressBook Website and Mobile App hold any liability, responsibility in whatsoever manner in this regard
9. You shall be able to do the following on signing up on MyAddressBook Website and Mobile App Add Clients & Task
We view protection of Your privacy as a very important principle. We understand clearly that You and Your Sensitive Personal Information is one of our most important assets. We store and process Your Sensitive Personal Information including any sensitive financial information collected (as defined under the Information Technology Act, 2000), if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with Information Technology Act 2000 and Rules there under. Our Privacy Policy is available for more details.
You shall indemnify and hold harmless MyAddressBook Website and Mobile App , M/s. Empower Financial Consultants Pvt Ltd its Director, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions, damage claims made by any third party including third party vendor, user or penalty imposed due to or arising out of Your breach of this Terms of Use, privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.
Terms of Use shall be governed by and interpreted and construed in accordance with the laws of India. The place of jurisdiction shall be exclusively in Mumbai, Maharashtra, India.
MyAddressBook Website and Mobile App does not ensure that the content including description, data and information thereof is accurate, complete, reliable, current, or error-free and assumes no liability in this regard. MyAddressBook Website and Mobile App may include inaccuracies and typographical errors. Changes and improvements are periodically made to the site and the information therein. We do not warrant or assume any legal liability or responsibility for the completeness, or usefulness of any information, content, images etc. Information received via MyAddressBook Website and Mobile App should not be relied upon for personal, legal or financial decisions.
We shall be liable for any technical and relative issue with regard to MyAddressBook Website and Mobile App. However, we shall hold no liability for unforeseen circumstances, force majeure events and situations beyond our control
The Third Party shall be solely and exclusively liable in full and complete for any content, images, description, accuracy of information and any other information relating to their use which is made available through MyAddressBook Website and Mobile App
The Third Party shall be solely and exclusively liable in full and complete for any details made available through MyAddressBook Website and Mobile App
You shall be liable for all and any unlawful acts through MyAddressBook Website and Mobile App
You shall also be liable for any and all details posted by you through MyAddressBook Website and Mobile App
You shall be liable for any and all details, information including contact details made available through MyAddressBook Website and Mobile App with regard to your task management