1. PRIVACY NOTICE

Thank you for visiting www.harfes.com and any of its pages (“Website”). We at Harnez Wealth respect your privacy and consider it an important element of our service. Our privacy policy is straight forward: We do not collect personal information about you when you visit our Website unless you volunteer to provide that information to us. This is broadly how we handle the information we gather. Please read our Privacy Policy here.

1.1. Information Collected and Stored Automatically:

If you visit our Website just to browse, read pages or download information, we gather and store certain information about your visit automatically. This information cannot and does not identify you personally. The kind of information that is gathered automatically include the type of browser you are using (e.g. Internet Explorer, Chrome, Firefox, etc.), the type of Operating System you are using (e.g. Windows or Mac OS or any other operating system) and the domain name of your internet service provider, the date and time of your visit and the pages you visit. We sometimes use this non-personally identifiable information to improve our Website(s) design, content and primarily to give you a better browsing experience. You should also be aware that in no event shall we be responsible for the user experience of the Website.

1.2. Links to Other Sites:

Our website sometimes has links to other website(s) in the World Wide Web. The privacy policies of these website(s) is not under our control. Once you leave our servers, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. It is advisable to read their privacy policies for further information. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Harnez Wealth of any information contained in any third party web site. In no event shall Harnez Wealth be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this Website.

2. USER AGREEMENT

By accessing this Website you have declared that the Website is accessed by you from India. Harnez Wealthdisclaims any liability from any claim of access or use of this Website from any other jurisdiction. By using the Website you are a ‘user’ and confirm that you have reviewed, understood and agree to the following important legal information, terms and conditions of use (the “Terms and Conditions”). If you do not agree to the Terms and Conditions, please exit the Website immediately. The Terms and Conditions are subject to change at any time without notice and access to, and use of the Website may be restricted or terminated at any time. You are therefore advised to review these Terms and Conditions each time you access and use this Website. Access to and use of the Website as well as the Terms and Conditions are governed by the Indian law. The place of jurisdiction is Mumbai.

3. WEBSITE CONTENT

3.1. Group Content:

Data, tools, documents, analysis, products, services, materials, information, any other content shown in this Website may be sourced/provided by our Company and the respective entities of Harnez Wealth group (“Our Group”) as under:

PFSB Registration Number – 56049 , member since 26 September 2013.

All such data, tools, documents, analysis, products, services, materials, information, and any other content shown in this Website and sourced/provided by Our Group (“Group Content”) may be updated on the websites of each Harnez Wealth group entity. We are not responsible for updating any such Group Content whatsoever as the User must use the links to those websites for accessing updated Group Contents from time to time. Please refer to our disclaimer on ‘Links to other Sites’ above.

3.2. Proprietary Content:

Unless accompanied by an explicit statement to the contrary, all data, tools, documents, analysis, products, services, materials, information or other content (including Group Content) on this Website is protected by copyright, database rights, or other intellectual property rights, and is the property of Harnez Wealth(“Proprietary Content”). Nothing on the Website is designed to grant any license or right to use any image, trademark or logo or other Proprietary Content. No act of downloading or otherwise copying from the Website will transfer any legal entitlement to any software or material or Proprietary Content on the Website to you. Harnez Wealthreserves all intellectual property rights (such as copyright and trademark rights) to all material and Contents on the Website, and will enforce such rights to the full extent of applicable law.

3.3. Third-Party Content:

Statements/contents (other than Proprietary Content) on this Website may contain information obtained from third parties (“Third Party Content”). Reproduction and distribution of third-party content in any form is prohibited except with the prior written permission of such third party. Third-party content providers do not guarantee the accuracy, completeness, timeliness or availability of any information and we shall not be responsible for verifying the accuracy, completeness, timeliness or availability of any information. Harnez Wealthreserves all rights to all material and Contents on the Website, and will enforce such rights to the full extent of applicable law. You should also be aware that in no event shall we be responsible for the user experience of the Website or updating or verifying the Proprietary or Third Party Contents on the Website.

4. WEBSITE DISCLAIMER

4.1. Terms of Use:

Please read these Disclaimers (hereinafter referred to as “Terms”) carefully. By accessing this Website and / or using any information/contents provided on or via this Website, you represent that you have read and understood these Terms and you agree to be bound by and comply with the same.

Furthermore, by using this Website, you represent that;

a) You have the capacity to be bound by these Terms, and
b) If you are acting on behalf of any company or other person/entity, you have the authority to bind such company or person/entity.

If you do not agree to these Terms, please do not use this Website or download any content, in any manner whatsoever, from the same.

Several entities in Our Group are regulated or manager funds regulated by financial sector regulators in India and are required to be in compliance with all applicable laws and guidelines issued by such regulatory authorities from time to time. All information/ soft wares and services forming a part of this Website or any of its part is purely incidental and offered on ‘as is’ basis.

4.2. No offer, no advice, no solicitation:

The information, products, data, services, tools and documents contained or described on this Website, including Group Content, Proprietary Content and Third Party Content (the “Content”) are for information purposes only and constitute neither an advertisement or curation, nor an offer or solicitation or an invitation to buy or sell financial products or avail financial services or an invitation to make any offer to buy or sell financial products or provide financial services, or to effect any transaction or to enter into any legal or fiduciary relations. The financial products or services mentioned on this Website are not suitable for all investors. Prior to making investment decisions investors should conduct a thorough due-diligence and obtain all necessary professional advice for all financial products, including your eligibility to make such investment in terms of the applicable law. Nothing on this Website constitutes investment, legal, accounting or tax advice or opinions, or a representation that any investment or strategy is suitable or appropriate for individual circumstances, or otherwise constitutes a personal curation for any specific investor. Harnez Wealth will not be liable 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 material in any manner if an investment decision is made before independently assessing, with a professional advisor, his/her/their investment objective, suitability, specific risk factors and appetite and strategy as well as legal, regulatory, credit, tax and accounting consequences. Harnez Wealth does not in any way through this Website solicit any offer for purchase, sale or any financial transaction/ mutual funds/securities/products or any other financial instrument/product dealt on this Website.

4.3. Disclaimer of Product/Service Information:

Mutual fund and other investments are subject to the market risks and there is no assurance or guarantee that the objectives of mutual fund or alternate investment schemes will be achieved. As with any investment in securities or instruments, the Net Asset Value of the units issued under the mutual fund scheme or other investments can go up or down depending on the factors and the forces affecting the capital and underlying markets. Please read the offer document / scheme information document carefully. Investments are subject to risks, where these risks could be security or market specific and arising from company, industry, credit, political, economic (including without limitation, domestic/ liquidity, interest rate, reinvestment, war, supply chain, derivative, commodity, currency, technological, civil unrest, policy, legal, force majeure, market disruption, counter party risks) and several other risk factors. Nothing on this Website constitutes investment, legal, accounting, structuring or tax advice, or a representation that any investment or strategy is suitable or appropriate for individual circumstances. The financial products mentioned on this Website are not suitable for all investors. Any person subscribing to or investing in any securities/financial instruments/products should do so on the basis of and after verifying the terms attached to such product/financial instrument. Financial products and instruments are subject to market risks and yields may fluctuate depending on various factors affecting capital, debt, money, commodity, currency, derivative or other markets. All recipients of this material should before dealing and or transacting in any of the products referred to in this material make their own investigation, seek appropriate professional advice. Harnez Wealth and any of its officers directors, personnel and employees, shall not liable for 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 material in any manner. The recipient alone shall be fully responsible/ are liable for any decision taken on the basis of this material. All recipients of this material should before dealing and/or transacting in any of the products referred to in this material make their own investigation and seek appropriate professional advice, including advice on eligibility to make such investment in terms of the applicable law. Financial products/instruments/securities such as fixed deposits, certificate of deposits, commercial papers, insurance policies/products/funds, money market instruments, NCDs, debentures, bonds, are loans/lending/debt instruments and funds or pooled vehicles such as mutual funds, alternative investment funds, real estate investment trusts, infrastructure investment trusts may invest in such debt instruments and the Investors must additionally satisfy themselves on the financial health of the issuer of such debt instruments before making any investment decision. Harnez Wealth takes no guarantee of soundness of any issuer or scheme. Harnez Wealthdoes not undertake to provide or make available all required information to any person if asked for in respect of any such issue or instruments or schemes. Neither do we, nor any person in Our Group represents any other person in any manner, unless as expressly mentioned pursuant to a legal relationship amongst us in writing and on such terms and conditions stipulated by us.

4.4. Disclaimer of Performance, Projections and Forward Looking Statements:

Please note that past performance, projections, forward looking statements of the financial products or securities and instruments does not necessarily indicate the future prospects and performance thereof. Past performance, projections and forward looking statements of the Sponsors/ Mutual Fund / Alternative Investment Funds or their affiliates does not indicate the future performance of their schemes. The past performance is not an indication of the future performance of an investment. Such past performance may or may not be sustained in future and are subject to risk of complete loss of capital invested. The value of investments may be subject to market volatility and fluctuations and investors may not get back the initial amount invested.

4.5. General Disclaimer:

We do not owe any legal duty of care and are not required to take any precaution in compilation of Contents for the Website. We do not guarantee the adequacy or completeness of any information and neither are responsible for any errors or omissions or for the results obtained from the use of such information nor are you indemnified for 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 material in any manner. We cannot be held liable for any damages (monetary, legal or otherwise) caused by any error, omission, interruption, deletion, defect, failure, and that it has no financial liability whatsoever to any user on account of the use of the Contents provided on this Website.

Any use of the Contents on this Website and any investments and investment related-decisions are at the sole and exclusive discretion and risk of such persons making an investment. There may be changes in the legal, tax and the regulatory regimes or financial markets which could adversely affect investments or holdings in the financial products/securities/instruments/insurance policies or availing the services. Investments in the products/services may stand a risk of loss of capital depending on nature of such products/services and you are advised to conduct your own due diligence and read any further product/service related documentation such as  offer documents, prospectus, memorandums or other similar documents making or purporting to make an offer or invitation to subscribe or offer or otherwise soliciting an investment (“Terms of Offer”) of any such issuer/seller, scheme or other person making such Terms of Offer for such offerings/products/services carefully before making any investment decision.

Neither Harnez Wealthor members of Our Group (including any of its affiliates), nor their directors, employees, consultants and agents accept any responsibility and/or liability or warrant or guarantee the performance or profitability of the Products/Services nor do they warrant or guarantee the returns and that the investment objectives of the Products/Services shall be achieved at any time and in any manner whatsoever. We make no representations and/or warranties and/or guarantees, express or implied, regarding the accuracy, completeness or reliability of any information/contents, features, products/services provided on this Website, the software or the Terms of Offer and the same would be deemed to be on an ‘as-is’ basis.

TO THE FULL EXTENT PERMITTED BY CURRENT LAWS AND/OR REGULATIONS, HARNEZ WEALTH SHALL NOT BE LIABLE FOR ANY

a) LOSS OF PRINCIPAL OR CAPITAL OR PROFITS OR REVENUE OR SAVINGS OR GAINS OR OTHER ECONOMIC LOSS,
b) LOSS OF BUSINESS OR GOODWILL,
c) LOSS OF OR DAMAGE TO DATA,
d) INCIDENTAL OR SPECIAL LOSS,
e) INCIDENTAL OR SPECIAL LOSS,
f) WASTED OR LOST MANAGEMENT TIME OR OPPORTUNITY, OR
g) INDIRECT OR CONSEQUENTIAL LOSS ARISING FROM USE OF OR ACCESS TO THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY
h) OF ANY SUCH LOSS OR DAMAGE OR IF SUCH LOSS OR DAMAGE WAS FORESEEABLE.

5. LOCAL LEGAL RESTRICTIONS

The Content is not intended for access or use by or distribution to any individual or legal entity in any jurisdiction or country where such distribution, publication or use would be contrary to the law or regulatory provisions or in which members of the Group of Companies controlled by Harnez Fin ESPL. (individually and together “Harnez Fin”) does not hold the necessary registration or license. Individuals or legal entities in respect of whom such prohibitions apply, whether on grounds of their nationality, their place of residence or on other grounds, must not access or use the Website.

No Warranties

This Website is provided “as is” without any representations or warranties, express or implied. Harnez Fin ESPL or any of its directors, employees, agents or representatives, make no representations or warranties in relation to the Website or the information and materials provided on the Website.

This Website will be constantly available, or available at all; or

The information on this Website is complete, true, accurate or non-misleading

Limitations of Liability

Harnez FESPL or any of its directors, employees, Agents or representatives will not be liable to you (whether under the law of contact, the law of torts or otherwise under any other law) in relation to the contents of, or use of, or otherwise in connection with, this Website:

For any indirect, special or consequential loss; or

For any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

 These limitations of liability apply even if Harnez FESPL or any of its directors, employees, Agents or representatives has been expressly advised of the potential loss

Reasonableness

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.

Additional Marketing Disclaimer for all other International Jurisdiction

The content of this website is restricted in certain jurisdictions and does not constitute or form part of any offer or invitation to sell or issue, or any solicitation of any offer to purchase or subscribe for, by anyone in any jurisdiction in which such an offer or solicitation is not authorised or may not lawfully be made (without compliance with any registration or other legal requirements) or in which the person making such offer or solicitation is not qualified to do so or to any person to whom it is unlawful to make such offer in any jurisdiction. The above information is for general guidance only, it is the responsibility of receivers to inform themselves as to any income or other tax consequences arising in the jurisdictions in which they are resident or domiciled or have any other presence for tax purposes, as well as any foreign exchange or other fiscal, or legal or regulatory restrictions which are relevant to their particular circumstances in connection with the acquisition, holding or disposal of any securities if any mentioned in this document. This document is strictly private and confidential and may not be reproduced or use for any other purpose and not be provided to any person other than the recipient thereof. If you are not the intended recipient you must not copy, distribute, or take any action or place reliance on it. If you have received this communication by error, please notify the sender immediately. Any such information contained or discussed on the website is subject to change and Harnez Wealth or any of its Directors, Employees, agents or representatives shall not have any responsibility to maintain the information made available or to supply any correction therewith. In no event will Harnez Wealth or any of its Directors, Employees, agents or representatives, be liable for any special direct or indirect or consequential damages which may be incurred from the use of the information made available, even if it has been advised of the possibility of such damages. The company and its employees mentioned in these communications cannot be held liable for any error’s inaccuracies and/or omission howsoever caused. Any opinion or advice herein is made on a general basis and is subject to change without notice. The information provided in this website may contain optimistic statements regarding future events or future financial performance of countries, markets, or companies. You must make your own financial assessment of the relevance, accuracy and adequacy of the information provided therein.

Disclosures under the provisions of SEBI (Research Analysts) Regulations 2014 (Regulations)

Any documents/reports/research analysis available on the Website does not constitute an offer or solicitation for the purchase or sale of any Security / financial instrument or as an official confirmation of any transaction. Harnez FESPL or any of its Directors, Employees, agents or representatives shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information contained in this report. The documents/reports/research analyses are provided for assistance only and is not intended to be and must not alone be taken as the basis for any decision. The user assumes the entire risk of any use made of this information. This information is strictly confidential and is being furnished to you solely for your information. This information should not be reproduced or redistributed or passed on directly or indirectly in any form to any other person or published, copied, in whole or in part, for any purpose. The distribution of documents/reports/research analysis in certain jurisdictions may be restricted by law, and persons in whose possession this document comes, should inform themselves about and observe, any such restrictions. The information given in such documents/reports/research analysis is as of the date and time of the documents/reports/research analysis and there can be no assurance that future results or events will be consistent with this information. The information is subject to change without any prior notice. Harnez Fin or any of its Directors, Employees, agents or representatives reserves the right to make modifications and alterations to this statement as may be required from time to time. However, Harnez Fin or any of its Directors, Employees, agents or representatives is under no obligation to update or keep the information current. Neither Edelweiss nor any of its affiliates, group companies, directors, employees, agents or representatives shall be liable for any damages whether direct, indirect, special or consequential including lost revenue or lost profits that may arise from or in connection with the use of the information. For data reference to any third party in this material no such party will assume any liability for the same. All layout, design, original artwork, concepts and other Intellectual Properties, remains the property and copyright of Edelweiss and may not be used in any form or for any purpose whatsoever by any party without the express written permission of the copyright holders.