The information, software, products, and services included on this Web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein ICRA Online Ltd. (ICRA Online) may make improvements and/or changes in this Web site at any time. Advice received via this Web site should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

ICRA ONLINE MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THIS WEB SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. ICRA ONLINE HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL ICRA ONLINE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THIS WEB SITE, WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF ICRA ONLINE HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS WEB SITE.

This Privacy Policy (“Policy”) sets forth the reasonable security practices and procedures adopted by ICRA Online Limited (”ICRON”) and shall apply to the use and disclosure and sharing of sensitive personal data or information (“Personal Identifiable Information” or “PII”) provided by the registered users of the website www.Icrainsights.com (“Website”), which is owned and operated by ICRON This policy is equally applicable on the visitors to the Website.

To provide you with a convenient and safe online/ experience, we have implemented measures to protect the confidentiality, integrity, and security of your PII, during storage and transmission through the World Wide Web. This Policy explains how we protect PII provided by you through the Website and how we store and use that information, to deliver the services on the Website

Please read this Policy carefully, it is subject to change at any time and is advised that you review this Policy periodically. Any change to this Policy will become effective as soon as it is posted or linked to the revised Policy on the Website.

For the purposes of this Policy, “ICRA”, "we", "us", and "our" means ICRA Online Limited and its group companies. A complete list of ICRA Group Companies can be found on the www.icraonline.com website.

What PII is collected from you?

Website would require registration, when registering or giving feedback on our site, you may be asked to enter your name, email address, phone number, feedback or other details to help you with your experience.
We collect IP addresses for site security and to better understand of how our visitors use our site so that we can improve our site and your experience.

For quality reasons we use a feature called "cookie." Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. Please remember although we may assign your browser a cookie, the cookie does not tell us who you are. Only you can tell us that. We will discuss how we use cookies later in this privacy policy.

When do we collect information?

We collect information from you when you register on our site, fill out a feedback form or make a product enquiry on our site. From time to time, the Website may also request other PII to provide you with other benefits of the Services. On all such occasions, you will have the opportunity to provide or to decline to provide that PII.

How do we use your information?

We use the information collected from you in the following ways:

To personalize your experience and provide content and product offerings that are best suited to your interests;
To improve our website in order to serve you better;
To allow us to better respond to your specific service requests.

How do we protect visitor information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

In order to ensure your PII is safe with us, we undertake a variety of security measures when you enter your transaction details, submit, or access your information.

Your PII is stored in secured networks and only limited number of persons can access your PII. These personnel are conferred special access rights and are required to keep the information confidential.

All sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

How do we use 'cookies'?

We use cookies to:

Help us remember and process the items that you are looking for;

Understand your preferences based on previous or current site activity, which enables us to provide you with improved services.

Compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in future.

Understand and save your preferences for future visits.

You can choose to direct your computer warn you each time a cookie is being sent, or you can turn off all cookies through your browser settings. Each browser is different, so refer your browser's Help menu to learn the correct way to modify your cookies.

If you disable cookies you can still visit our site but some features will be disabled. This could affect your site experience and efficiency, and some of our services will not function as desired.

Will the Website disclose any of your PII?

We do not sell, trade, transfer, or otherwise disclose PII to any third parties.

We do not include or offer third party products or services on our website.

We may disclose PII if required by any applicable law, or in response to any legal action, to protect the rights or property of the website, or to protect the safety of our users, or others.

Do we allow third party advertisers on our Website?

Yes, we use Google AdSense advertising on our Website whereby Google uses cookies to post ads on our site. Google uses DART cookie to serve ads to our users based on their individual browsing history. You can opt out of the use of the DART cookies by visiting the Google ad and content network privacy policy.

Google's advertising requirements are summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users.

https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have implemented the following:

• Remarketing with Google AdSense
• Google Display Network Impression Reporting
• Demographics and Interests Reporting
• In relation to our Website, we, along with third-party vendors such as Google, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions, and other ad service functions.
• You can set your ad preferences using the Google Ad Settings page.
• You can opt out of ads by visiting the ‘Network Advertising initiative opt out’ page or permanently using the ‘Google Analytics Opt out Browser’ add on.
• ICRON is not responsible for any actions or policies of such third parties, and you should check the applicable privacy policy of such third party when providing PII.

Can you edit your personal information?

You can correct, delete/remove or change information in your personal profile, or any other information we have about you by:

Logging in to your account or e-mailing us or calling us

Contact Us:

If you have any queries, concerns, comments or feedback regarding this privacy policy you can contact us using the information below:

www.icrainsights.com

ICRA Online Limited. 11th Floor, B Wing,Kanakia Wall Street, Chakala, Andheri East, Mumbai, Maharashtra 400093, INDIA
enquiry@icraonline.com
Last Edited on 2018-10-30

The following terms and conditions will be deemed to have been accepted by the User on usage of the website www.icrainsights.com (“Site”). The term User shall refer to the user who is browsing the site and availing the service(s) provided by ICRON. By using the Site, you agree to follow and be bound by the following terms and conditions concerning your use of the Site. This agreement is for an indefinite term and Users understand and agree that they are bound by such terms (“Terms of Use”).

USAGE RIGHTS

• check The website is owned, managed and operated by ICRA Online Limited (”ICRON”). By using the Site, you agree to follow and be bound by all terms and conditions concerning your use of the Site. Certain sections of the Site and/or services displayed in the Site may have different terms of use posted. If there is a conflict between the Terms of Use and terms of use posted for a specific area of the Site and/or any specific service(s), the latter shall have precedence with respect to your use of that area and/or service of the Site.
• check The Site may undergo periodic update and revision. ICRON maintains the right to delete or modify information on this Site without prior notice.
• check All software programs, reports and content, both historical and future (“Products/Services”) content, including but not limited to any text, article, report, content, images, animations, video, audio and applets, incorporated into the software and in all improvements, enhancements, modifications and derivative works thereof) used on this Site is exclusive property of ICRON except for any third party content. It is herein clarified that ICRON does not manufacture any index and hence is governed by the terms of use of respective third-party index manufacturers which are subject to change without any prior notice to ICRON. ICRON reserves the right to discontinue providing data related to any such index if it is aware of any change in its terms of use, which may restrict ICRON to share such data in any specified format or medium with its clients.
• check All information contained herein is obtained by ICRON from sources believed by it to be accurate and reliable. Because of the possibility of human or mechanical error as well as other factors, however, all information contained herein is provided “AS IS” without warranty of any kind. ICRON adopts all necessary measures so that the information it uses is of sufficient quality and from sources ICRON considers to be reliable including, when appropriate, independent third-party sources. However, ICRON is not an auditor and cannot in every instance independently verify or validate information received in preparing this Site and the products serviced through this Site.
• check All information contained herein must be construed solely as statements of opinion, and ICRON or its affiliates or group companies and its respective and any of its officers, directors, personnel and employees, disclaim liability to any loss, damage of any nature, including but not limited to direct, indirect, punitive, special, exemplary, consequential, as also any loss of profit in any way arising from the use of this document or its contents in any manner or for any contingency within or beyond the control of, ICRON or any of its directors, officers, employees, agents, representatives, licensors or suppliers, arising from or in connection with the information contained herein or the use of or inability to use any such information. Opinions expressed in the document are not the opinions of our holding company, ICRA Limited (ICRA), and should not be construed as any indication of credit rating or grading of ICRA for any instruments that have been issued or are to be issued by any entity. The recipient alone shall be fully responsible and/or are liable for any decision taken on the basis of this document and/or the information contained

These terms & conditions are in addition to the 'Disclaimer' on the ICRON Limited website/s and supersede any other communications, advertisements, or understandings with respect to the website

PRIVACY POLICY

The Site is strongly committed to your right to privacy and to keeping your personal and financial information secure. To earn your trust and confidence in our commitment, we are fully disclosing our privacy practices which is incorporated by reference into these Terms of Use. We encourage you to read our Privacy Policy to understand what types of personally identifiable information we collect and how we use this information.

Our Site may use cookies. By using our website and agreeing to these terms of use, you consent to our use of cookies in accordance with the terms of our Privacy policy.

LINKS TO THIRD PARTY SITES

This Site may contain links to websites operated by parties other than ICRON. Such links are provided for your convenience only. ICRON does not control such Web sites and is not responsible for their contents. ICRON’s inclusion of links to such Web sites does not imply any endorsement of the material on such Web sites or any association with their operators.

NO UNLAWFUL OR PROHIBITED USE

No material from the Site may be copied, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form without prior written permission from ICRON. All rights not expressly granted herein are reserved. Unauthorised use of the materials appearing on the Site may violate trademark and other applicable laws, and could result in legal penalties. Users are granted a non-exclusive, non-transferable, limited right to access the Site and avail the services provided by ICRON on the Site.

ACCESS

ICRON reserves the right to deny in its sole discretion any user access to this Web site or any portion thereof without notice.

MODIFICATION OF THESE TERMS AND CONDITIONS ICRON reserves the right to change the terms, conditions, and notices under which this Web site is offered.

GENERAL

These terms and conditions are governed by the laws of the Government of India. Users hereby consent to the exclusive jurisdiction and venue of courts in New Delhi, India, in all disputes arising out of or relating to the use of this Site. Use of this Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. Users agree that no joint venture, partnership, employment, or agency relationship exists between them and ICRON as a result of this agreement or use of this Site. ICRON's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of ICRON's right to comply with governmental, court and law enforcement requests or requirements relating to your use of this Site or any content or information provided to or gathered by ICRON with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. This agreement constitutes the entire agreement between the User and ICRON with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and ICRON with respect to this Web site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Fictitious names of companies, products, people, characters and/or data mentioned herein are not intended to represent any real individual, company, product or event. Any rights not expressly granted herein are reserved.

All rights reserved by ICRA Online Limited.
ICRA Online Limited.
11th Floor, B Wing, Kanakia Wall Street, Chakala, Andheri East,
Mumbai, Maharashtra 400093, INDIA.
Tel. (Board): +91-22-6179 6318/19/20