Terms of Use - Common Sense Living
 
Common Sense Living India

Terms

  • Acceptance of Terms:

    This Web- Site is offered to the user of the Service (User) on the condition that the User accepts the terms contained herein, without any modification whatsoever. For the purposes of this Terms of Use, 'Service' shall mean and include, without limitation, access to all, one or some of the following: - HTML Code, literature, information, software, products, tools, online educational course material, any research, report or service including but not limited to Wealth Builders Club India whether authored by Common Sense Living Private Limited (hereinafter referred to us 'Common Sense') or by any third party and published, provided or made available on www.commonsenseliving.co.in whether pursuant to subscription or otherwise.
  • Intellectual Property Rights(IP):

    Common Sense hereby grants to the User, the right to use the Service in accordance with these terms, and for no other purpose. Please note that all elements contained on this Web-Site including all individual articles, columns and other elements making up the Service are also Copyrighted works and are owned by Common Sense and/ or its Suppliers and are protected by Copyright, By using the service you agree to abide by all applicable Copyright and other laws as well as any additional Copyright notices or restrictions contained in the Service. Common Sense or other third parties shall be entitled to obtain equitable relief for any violation of their IP, over and above all other remedies available to it to protect its interests therein. Violators will be liable to be prosecuted to the maximum extecreditnt possible. Copying for reproduction, for redistribution or other purpose of the web site or any part thereof including but not limited to text content and graphics to any other server or location including caching of any kind is expressly prohibited. The Service is non-exclusive, non transferable, non-assignable, non-sublicensable, revocable license to the User. The Service is not sold to the User. Common Sense owns the Service, its applications.
  • Links to third Party Sites:

    This Web- Site may contain links to Web Sites operated by parties other than Common Sense. The links in this Site will let the User leave www.commonsenseliving.co.in and proceed to the linked site. The User's use of each such site is also subject to this Terms of Use and other terms of use, if any, contained within each such site. In the event that any of the Terms contained herein conflict with the terms of use contained within any such site, then the terms of use for such site shall prevail. The linked Sites are not under the control of Common Sense and Common Sense is not responsible for the contents of any linked Site or any link contained in a linked Site, or any changes or updates to such sites. Common Sense will not directly or indirectly be liable for any loss that may arise to the User as a result of his accessing the linked Sites.
  • Access Restriction/ Fees:

    Common Sense reserves the right to deny, in its sole discretion, any User access to this Web Site or any portion thereof without notice or justification. Further Common Sense reserves the right at any time to charge fees for access to any service provided by it.
  • Registration and subscription:
    1. If you wish to receive access to the restricted editorial content of the Website you will need to register (as a Registered User) or subscribe (as a Subscriber) with us and the following provisions of this Clause will apply.
      1. You agree to:
        1. provide true, accurate, correct and complete information which you are required to provide when you register or subscribe as a user of the Website, whether in respect of the Subscription Services or the Free Services ("Personal Information"); and
        2. notify us immediately of any changes to the Personal Information.
        3. receive calls, sms or emails regarding our products or services and various promotional offers for solicitation.
        4. You agree not to: impersonate any other person or entity or to use a false name or a name that you are not authorised to use, or disclose your password or user name to any other person, or allow your password or user name to be used by any other person to access the Services.
        5. We reserve the right to decline any application from you to register or subscribe as a user of the Subscription Services and/or the Free Services at our sole discretion. If you are accepted you will receive from us a user name and password. If you are allowed to select a user name, we reserve the right to modify such or provide you with a user name of our choice if, in our sole opinion, such user name infringes or violates the rights of any person or third party or is defamatory, offensive or is in any other way improper or inappropriate.
        6. We reserve the right to terminate your account (including user name and password) if any Personal Information is untrue, inaccurate, out-of-date or incomplete.
  • Your Obligations:
    1. You:
      1. agree not to use the website(s) and/or the services (or any part thereof) for any illegal purpose and agree to use it in accordance with all relevant laws;
      2. agree not to use the website(s) and/or the services (or any part thereof) for any illegal purpose and agree to use it in accordance with all relevant laws;
      3. agree not to upload or transmit through the website(s) and/or the services any computer viruses, macro viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer;
      4. will not upload or transmit through the website(s) and/or the services any material which is defamatory, offensive, or of an obscene or menacing character, or that may cause annoyance, inconvenience or needless anxiety;
      5. will not use the website(s) and/or the services in a way that may cause the website(s) and/or the services to be interrupted, damaged, rendered less efficient or such that the effectiveness or functionality of the website(s) and/or the services is in any way impaired;
      6. will not use the website(s) and/or the services in any manner which violates or infringes the rights of any person, firm or company (including, but not limited to, rights of intellectual property, rights of confidentiality or rights of privacy);
      7. will not attempt any unauthorised access to any part or component of the website(s) and/or the services;
      8. agree that in the event that you have any right, claim or action against any Users arising out of that User's use of the website(s) and/or the services, then you will pursue such right, claim or action independently of, and without recourse to us; and agree not to allow any third party directly or indirectly to use your subscription, user name or password.
  • Limits on Personal and Non-Commercial Use:

    The User expressly agrees to use the Service strictly for personal purpose. The User shall not recompile, disassemble, copy, modify, distribute, transmit, display, perform, reproduce, publish or create derivative works from, transfer, or sell any information, software, products, tools or services accessed from this web site. The User may not rent, lease, sell, sublicense, lend or in any manner allow any other party to use the Service, with or without consideration. By viewing the contents of this website you agree this condition of viewing and you acknowledge that any unauthorized use is unlawful and may subject you to civil or criminal penalties.
  • Privacy

    The User represents that he is aware that in the process of subscribing to the Service or parts of it, Common Sense may obtain information relating to the User, including that of a confidential nature. This information will be used by Common Sense for its internal purposes and will be kept confidential. Notwithstanding anything contained above, Common Sense reserves the right to disclose personal information where it believes in good faith that such disclosure is required by law, to perform necessary credit checks or collect or report debts owed to Common Sense, to protect Common Sense's rights or property or for other bonafide uses. The User agrees and warrants that all information that Common Sense may possess or may obtain pursuant to the use of Service has been possessed or obtained with the permission of the User.

    Please click here to read our detailed "Privacy Policy".
  • HYPERLINKING TO SITE AND REFERENCING SITE PROHIBITED:

    Unless expressly authorized by website, no one may hyperlink this site, or portions thereof, (including, but not limited to, logotypes, trademarks, branding or copyrighted material) to theirs for any reason. Further, you are not allowed to reference the url (www.commonsenseliving.co.in) in any commercial or non-commercial media without express permission. You specifically agree to cooperate with the Website to remove or de-activate any such activities and be liable for all damages.
  • TERMS RELATED TO ONLINE PAYMENTS
    1. Online Card Payments: one-time payment:

      Credit/Debit Card payments are processed through "CCAvenue", an online payment gateway system or any other payment gateway system that Common sense may use from time to time. By using a credit/debit card to pay for our services, you confirm that the card being used is yours. All credit/debit card holders are subject to validation checks and authorisation by the card issuer. The Card information provided will be authenticated by your bank through the payment gateway system directly without any information being stored at our website. In approximately 25-30 seconds (depending on your internet connection) your bank will issue, using the online payment gateway "CCAvenue" or any other payment gateway that Common Sense may be using, an authorization code and confirmation of completion of transaction. The information provided is used by the payment gateway system "CCAvenue" or any other payment gateway system that Common Sense may be using to process the payment.

      Please note Common Sense does not save or store your credit card information on any of it's servers. This information is passed on to our payment gateway for processing.

      Common Sense, is Entrust Certified Site, uses the latest encryption technology to protect your card information (to know more about this, please click on the Entrust logo on the registration page). You can subscribe to our product using SSL encryption (the internet standard for secure transactions).Your account will be activated only after the successful completion of the transaction.
      1. Auto debit facility/ Standing Instructions facility:

        "Auto Debit /Standing Instructions facility means the facility wherein you have authorized Common Sense to charge your credit card for a specified amount towards your subscription fees every time your subscription fee becomes due and payable till such time as you continue to subscribe for the Services or your instruction for cancellation of Auto Debit/Standing Instructions facility or withdrawal of this facility whichever is earlier. Common Sense, may from time to time use the payment gateway system of Equitymaster Agora Research Private Limited (hereinafter referred to as ‘Equitymaster'), an Affiliate for the processing of its transactions.

        Credit Card payments on Auto debit/Standing Instructions basis are processed through HDFC Bank payment gateway or any other payment gateway system that Common Sense/ Equitymaster may have an agreement with. By using a credit card to pay for our services, you confirm that the card being used is yours. All credit card holders are subject to validation checks and authorization by the card issuer. The Card information provided by you will be stored by Equitymaster on servers of Agora Inc. (an Equitymaster Affiliate). Agora Inc. is level 2 PCI Compliant and practices reasonable security measures to protect card data
      2. Modification/Cancellation of Credit Card facility:

        You may request for cancellation of auto debit/Standing Instructions facility by giving 30 days notice or such period as may be specified in a particular offer. The notice should be sent to Common Sense in writing or via email and the same will be effected within a minimum period of 7 days of the receipt of the request. The Company will not be responsible for any delays, which are beyond its control.

        Common Sense shall not be responsible for any fraudulent or disputed transactions. In case of a dispute regarding the transaction through your credit card the same must be resolved by you directly with your Credit Card issuer. You will not make Common Sense a party to any such dispute and Common Sense shall not be liable to you for any consequence arising out of the fraudulent or disputed transactions.

        This facility is available on such credit cards as intimated by Common Sense from time to time.

        No extra cost will be charged to you for this facility. In the event you are dissatisfied with the Auto Debit/ Standing Instructions facility being made available in any respect or with any of the terms of service or alterations thereto, your sole and exclusive remedy is to discontinue the use of the Facility.
    2. Internet Banking

      If you have an account with any of the banks made available for making payment by online payment gateway "CCAvenue" or any other online payment gateway system that Common Sense may be using, then you can pay through respective bank's net banking options and the amount will be automatically debited from your account through an online gateway system, which enables safe and secure transaction.
    3. Transaction Confirmation

      Once your transaction has been completed, you will receive a confirmation of your transaction from Common Sense. If you do not receive a confirmation of your transaction, first look into your "spam" or "junk" folder to verify that it has not been misdirected, and if still not found, please contact us.

      After the initial payment made by you, Common Sense would, on a best effort basis send an advance notification mail every time your subscription fees become due and payable.
    4. Disclaimer:

      You agree that the credit/ debit card information are of sensitive nature and are aware of the risks involved in making payment through the internet. You shall be responsible for safe keeping the credit/ debit card information and shall not share it with any other person.

      Common Sense will not be liable for any loss or damage caused by the misuse of such information due to your negligence or default.

  • TERMS AND CONDITIONS FOR EQUATED MONTHLY INSTALLMENTS

    For "Equated Monthly Installments" (hereinafter referred to as "EMI option"), the following additional terms and conditions will apply. By exercising the "EMI option" the Subscriber acknowledges having understood and accepted these terms and conditions:

    1. The "EMI" option is available for HDFC Bank credit card holders/Corporate Credit Card holders holding a valid HDFC Bank credit card issued in India or for any other credit/other card holders as may be specified in the offer.
    2. Subscriber can choose to pay the amount over such tenure as may be specified in the offer.
    3. Interest at the prescribed rates plus service tax on interest at applicable rate would be charged by bank to the subscriber for availing EMI option. Processing fee, including tax on the fee, applicable on the transaction shall be borne by Common Sense Living and no fee shall be levied on the Subscriber.
    4. The Subscriber's credit limit on the HDFC Bank credit card or any other permitted card shall be blocked to the extent of the full transaction amount and would be reflected as an EMI transaction in the Subscriber's credit card statement. The credit limit will be released as and when the EMI is billed and paid for in subsequent months as per terms and conditions of the credit card issuer.
    5. The Subscriber has the right to cancel the subscription within the time specified in the offer by giving a prior written notice to the Company. In the event of cancellation, the entire subscription amount shall be refunded to his/her card subject to the terms of the offer and as per conditions of the credit card issuer.
    6. Common Sense Living reserve the right to add, alter, modify, change or vary all or any of these terms and conditions or replace, wholly or in part, this EMI option by any other scheme, whether similar to this EMI option or not or to withdraw it altogether, without prior notice.
  • Modification of these terms and conditions

    Common Sense reserves the right to change, without notice, this Terms of Use under which the Service is offered. The User's continued use of the Service will be subject to the Terms of Use in force at the time of the Use.

    You agree to review these Terms of Use periodically since subsequent use by you of this site shall constitute your acceptance of any changes. Common Sense shall have the right at any time to change or discontinue any aspect of Common Sense, including, but not limited to, the community areas, content, hours of availability and equipment needed for access to use. Such changes, modifications, additions or deletions shall be effective immediately upon posting and any subsequent use by you after such posting shall conclusively be deemed to be acceptance by you of such changes, modifications or deletions.

  • Indemnification

    The User agrees to indemnify, defend and hold harmless Common Sense, its officers, directors, employees, representatives and agents, any third party providers, distributors from and against any cause of action, claim or demand, including without limitation any reasonable legal accounting or other professional fees, brought by or on the user's behalf in excess of the liability described herein or by / on account of a third party due to or arising out of User's use of this Web site, the Service contained herein, the violation of any intellectual property or any other right of any person or entity.

  • Disclaimer of warranties

    Common Sense's research, information and educational services published or provided by Common Sense and authored by Common Sense or a third party are general informational/educational services and are not to be construed as individual investor specific Portfolio Management and Advisory Service. Common Sense is not registered as such under the SEBI (Portfolio Managers) Regulations, 1993 or under any other SEBI Regulations.

    Common Sense is neither a university nor an educational institution and is not affiliated with any university or educational institution and will not grant a degree or any other certificate that is recognized by the Central Government, the State Government or any other bodies set up by the Government in India, including the Securities and Exchange Board of India. The course/training material, if any provided by Common Sense under its educational courses has not been certified by any university or other educational institution or other organization qualified to provide certification.

    The User warrants that he/she/it shall obtain independent financial or other relevant advice before taking any action or making any investment based on such reports, research or information.

    The service, views, articles, reports, educational course material and other contents are provided on an "As Is" basis by Common Sense. Use of the Service is at any persons, including a Subscriber's/Client's, own risk. Information herein is believed to be reliable but Common Sense does not warrant its completeness or accuracy and shall not be responsible or liable for any losses incurred by a user for acting based on the views expressed in this service.

    Common Sense expressly disclaims all warranties and conditions of any kind, whether express, implied or statutory pertaining to the Services provided by it including but not limited to implied warranties and conditions of merchantability, fitness for a particular purpose, data accuracy and completeness and any warranties relating to viruses and non-infringement in the Service and provision of service free from disruption or interruption. The services offered by Common Sense are for the users in India. Common Sense shall not be responsible (directly or indirectly) for use or otherwise of Service by a User, including a User who is a citizen or resident or located in any locality, state, country or other jurisdiction outside India specifically a resident of the United States of America or Canada and we hereby expressly disclaim any implied warranties imputed by the laws of any other jurisdiction. We consider ourselves and intend to be subject to the jurisdiction only of the Courts in Mumbai, India. If you don't agree with above please do not read the material on any of our pages.

    The Service should not be construed to be an advertisement for solicitation for buying or selling of any securities or assets or making any investment.

    Any research, report or information provided is general in nature and available electronically to all kind of users irrespective of subscribers' investment objectives and financial situation/risk profile. Common Sense shall not be responsible for any direct/indirect loss or liability incurred to the user as a consequence of his or any other person on his behalf taking any investment decisions based on the information, research reports, analysis, quotes, educational course material etc. provided on the web site.

    Common Sense shall also not be liable for errors, omissions or typographical errors, disruption delay, interruption, failure, deletion or defect of/in the Service provided by it.

    Common Sense does not warrant accuracy of any feed from the stock exchanges/ currency/commodities exchanges or any other third party.

    Common Sense shall not be liable, directly or indirectly, to the User or any third party, as a consequence of the failure of its equipment, howsoever defined, or that of any Stock exchange/ currency/commodities exchanges, Internet Service Provider, User or any third party to function in such manner as is reasonably expected of such equipment. Common Sense shall not be responsible for any downtime of such equipment.

    Where Common Sense offers to send alerts to the Subscriber through SMS, Common Sense shall not be liable to pay or bear any cost, charges, fee charged by a service provider to the Subscriber for receipt of such SMS. Common Sense may at any time without notice withdraw the facility of sending SMS alerts to the Subscribers. In case Subscriber does not want to receive SMS alerts from Common Sense, he/she may unsubscribe through 'Manage Subscriptions' or send a written intimation to Common Sense on the same.

    Common Sense makes no representations or warranties, either express or implied that the research, development, marketing, distribution, use or sale of the Service will not infringe any patent, copyright or other right of any third party.

  • DISCLAIMER FOR HARM CAUSED TO YOUR COMPUTER FROM INTERACTING WITH THIS WEBSITE

    The website assumes no responsibility for damage to computers or software of the visitor or any person the visitor subsequently communicates with from corrupting code or data that is inadvertently passed to the visitor's computer. Again, visitor views and interacts with this site, or banners or pop-ups or advertising displayed thereon, at his own risk.

  • Posting Comments

    For posting comments on Website

    1. The views, opinions and comments posted are yours, and are not endorsed by Common Sense. You shall be solely responsible for the comment posted. Comments posted may be moderated and Common Sense reserves the right to edit, modify, delete, reject, or otherwise remove any views, opinions and comments posted or part thereof without notice.
    2. You shall ensure that your comment is not inflammatory, abusive, derogatory, defamatory &/or obscene, or contain pornographic matter and/or does not constitute hate mail, or violate privacy of any person (s) or breach confidentiality or otherwise is illegal, immoral or contrary to public policy. Nor should it contain anything infringing copyright &/or intellectual property rights of any person(s).
    3. User Comments are made available to you for your information and personal non-commercial use solely as intended through the normal functionality of the Service. User Comments shall not be used, downloaded (either permanently or temporarily) copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, downloaded, or otherwise commercially exploited in any manner.
    4. You shall not conduct or forward surveys, contests, or chain letters or post any commercial content.
    5. You may not send, submit, post, or otherwise transmit, messages or material that contain software virus, that are designed to interrupt, destroy, and negatively affect in any manner whatsoever, any electronic equipment / software / coding in connection with the use of this portal.
    6. In the event that you breach any of the Terms of Use, Common Sense shall have the right to delete any material relating to the violations without notice. Common Sense also reserve the right to ban anyone who willfully violates these Terms of Use. Inobservance of these terms and conditions may lead to an immediate warning, an infraction and deletion of the concerned post. Repeated offences shall lead to the member being permanently banned from Common Sense.
    7. Common Sense may place reasonable restrictions on the maximum number of days that messages will be retained, the maximum size of any message that may be sent from or received by a User.
    8. Common Sense reserves the full right to edit or remove any post or prohibit any user from posting any messages on Common Sense at any time. The determination of what is construed as indecent, vulgar, spam, improper, irrelevant, etc. as noted in these points is up to Common Sense. Intimation of deletion may not be communicated every time.
    9. Common Sense on a best effort basis will not share any personal sensitive information to any other person or entity.
    10. By posting on Common Sense you agree to indemnify and hold it harmless from all claims, costs and expenses (including legal expenses) arising out of any messages posted or published by you that are in breach of these Terms of Use.
  • Limitation of liability

    TThe User agrees that neither Common Sense nor its directors or employees or affiliates shall be liable for any direct, indirect, incidental, special or consequential damages, resulting from the use/delivery/performance or the inability to use/deliver/perform the Service or for cost of procurement of substitute goods and repair & correction services or resulting from the Services subscribed to or obtained or messages received or transactions entered into through or of User's transmissions or data, even if Common Sense or its employees have been advised of the possibility of such damages.

    The User further agrees that Common Sense shall not be liable for any damages arising from interruption, suspension or termination of Service, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent.

    The User also agrees that his sole remedy under this Terms of Use is cancellation of the Service. By viewing, using, or interacting in any manner with this site, including banners, advertising, or pop-ups, and as a condition of the website to allow his lawful viewing, Visitor forever waives all right to claims of damage of any and all description based on any causal factor resulting in any possible harm, no matter how heinous or extensive, whether physical or emotional, foreseeable or unforeseeable, whether personal or business in nature.
  • REFUND POLICY:

    Your subscription will be enabled immediately on receipt of your payment. If you are not satisfied, you can request for your subscription to be terminated within such period as may be specified for a particular service in the offer and the money will be refunded back to you subject to the conditions in the offer.

    The Subscriber will be eligible for a refund only once for a particular service. In case a Subscriber has subscribed to a service, claimed refund and subscribed again for the same service, he/she will not be eligible to avail any refund.
  • Use of Password:

    User shall be responsible for creating and safe keeping of his Password. In the event a User is given a password by Common Sense, the User shall ensure that such password is kept in a secure manner. User may not assign his/her password obtained to any person or entity without the prior written consent of Common Sense. Common Sense does not have access to such password since it is generated randomly on the Common Sense system, encrypted and passed on to the User. User shall bear all responsibility of keeping the password secure and in the event that the User incurs any liability to Common Sense or any other third party as a result of the password being used by third parties, or due to improper use of the password, User shall, without limitation, bear all such liability. Notwithstanding anything contained herein, in the event any liability arising to the User as a consequence of any of Common Sense's employees accessing the User's password without authorization shall be borne by the User.
  • SUBMISSIONS:

    Visitor agrees as a condition of viewing, that any communication between Visitor and Website is deemed a submission. All submissions, including portions thereof, graphics contained thereon, or any of the content of the submission, shall become the exclusive property of the Website and may be used, without further permission, for commercial use without additional consideration of any kind.
  • MONITORING:

    We have the right, but not the obligation, to monitor any activity and content associated with the website(s) and/or the services. We may investigate any reported violation of these Conditions or complaints and take any action that we deem appropriate (which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials on the website(s) and/or the services).
  • Governing Law and Jurisdiction

    This Terms of Use is governed by the laws of the Republic of India. The User hereby consents and submits to the exclusive jurisdiction and venue of Courts in Mumbai, India in all disputes arising out of or relating to the use of this Web site or Service.
  • General

    Nothing contained in this Terms of Use is in derogation of Common Sense's right to comply with Governmental, Court and Law enforcement requests or requirements relating to use of this Web site, Service or information provided to or gathered by Common Sense with respect to such use.

    This Terms of Use constitutes the entire agreement between the User and Common Sense with respect to this Web site and the Services provided by Common Sense.
  • Foreign Jurisdictions

    All Users of the Service in countries other than India understand that by using the Service, they may be violating the local laws in such countries. If the User chooses to access the Service from outside India, especially the United States of America or Canada, he shall be responsible for compliance with foreign and local laws. The Users agree that they will solely be liable for any liability incurred by them in this regard and will indemnify Common Sense for any liability Common Sense may incur in any foreign jurisdiction as a consequence of citizens / residents of countries other than India using the Service. This service does not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.
  • Termination

    If the User violates any term of this Terms of Use, Common Sense may terminate the User's access to this Web -Site, without waiving any other rights. The User would continue to remain liable for any liabilities that may have arisen before the termination.

    In addition to the general restrictions above, the following specific restrictions and conditions apply to your use of content on the Common Sense Website.

    The content on the Common Sense Website, except all User Submissions (as defined below), including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features, online educational course material and the like ("Content") are owned by or licensed to Common Sense, subject to copyright and other intellectual property rights under the law. Content on the Website is provided to you AS IS for your information and personal use only and shall not be downloaded, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the Common Sense. Common Sense reserves all rights not expressly granted in and to the Website and the Content.

    You may access these videos or other information solely:

    1. for your information and personal non-commercial use;
    2. as intended through and permitted by the normal functionality of the Common Sense Service; and
    3. for Streaming.

    "Streaming" means a contemporaneous digital transmission of an audiovisual work via the Internet from the Common Sense Service to a user's device in such a manner that the data is intended for real-time viewing and not intended to be downloaded (either permanently or temporarily) copied, stored, permanently downloaded, or redistributed by the user. Accessing Videos for any purpose or in any manner other than Streaming is expressly prohibited. Videos are made available "as is."

    You may access Common Sense Content and other content only as permitted under these terms. Common Sense reserves all rights not expressly granted in and to the Common Sense Content and the Common Sense Service.

    You agree to not engage in the use, copying, or distribution of any of the Content of the Website for any commercial purposes.

    You agree not to circumvent, disable or otherwise interfere with security-related features of the Common Sense Website or features that prevent or restrict use or copying of any Content or enforce limitations on use of the Common Sense Website or the Content therein

  • Terms and conditions for Common Sense's Wealth Builders Club India

    For Common Sense's Wealth Builders Club India lifetime membership, the following additional terms and conditions will apply

    1. The maintenance fee will be payable annually. Common Sense may decide to increase/decrease or in any way modify the annual maintenance charges applicable to this service. The Subscriber agrees to be bound by them.
    2. If the member does not pay the annual maintenance fee, his access to the Common Sense's Wealth Builders Club India Membership will be suspended. The service can be reactivated any time by paying the maintenance fee for the current year.
    3. In case the subscription is discontinued for any reason whatsoever, the Subscriber will not be eligible to receive any reports/CD/book, which may form part of the offer.
    4. Books/CD's will be delivered only to the Subscriber's address in India or to any alternate address in India which is intimated by the Subscriber in this regard.
    5. Common Sense shall not be liable in damages for any delay or default in performance hereunder or any direct/indirect loss if such delay or default or loss is caused by winding up, transfer, assignment of Common Sense's business or due to conditions beyond its control including, but not limited to Acts of God, Government restrictions, strikes, wars, insurrections and/or any other cause beyond the reasonable control of Common Sense.
    6. Common Sense may at its discretion and from time to time, change, add, remove features of the composition of the lifetime subscription services without notice. In such circumstances, Common Sense will on a best effort basis compensate the Subscriber by providing access to any of its other service.
  • Terms and conditions for Common Sense's Retire Rich

    For Common Sense's Retire Rich, the following additional terms and conditions will apply:

    1. 'Retire Rich' product is provided by Common Sense in association with Mark Ford and Quantum Information Services Pvt. Ltd (hereinafter referred as 'PersonalFN'), an associate of Common Sense. Some of the Content and information in the Guides provided under 'Retire Rich' is sourced from PersonalFN. You agree to abide by PersonalFN terms of Use, where applicable before using this service.
    2. Common Sense does not offer any financial advice through 'Retire Rich'. Information, content, reports provided under this service are general information/ services and are not to be construed as individual investor specific recommendations. Common Sense is not registered under SEBI (Portfolio Managers) Regulations, 1993 or SEBI (Investment Advisers) Regulations, 2013 or SEBI (Research Analysts) Regulations, 2014.
    3. Common Sense or PersonalFN is not an insurance agent or broker. Common Sense or PersonalFN are not providing any advice or selling any insurance products through 'Retire Rich'. Common Sense does not receive any commission on mutual funds or insurance products mentioned in any of the Guides. Neither Common Sense nor PersonalFN is registered/ regulated/ licensed by Insurance Regulatory and Development Authority (IRDA).
    4. 'Retire Rich' guide on mutual fund portfolio recommendation is provided by PersonalFN, a SEBI-registered Investment Adviser Company. For 'Portfolio Recommendation Guide', terms of use of 'PersonalFN' become applicable and you agree to abide by the terms before accessing the 'Portfolio Recommendation Guide'. PersonalFN does not assure or guarantee the subscribers any minimum or fixed returns. Subscribers must make their own investment decisions based on their specific investment objectives and financial position and using such independent investment advisors as they believe necessary. Common Sense, PersonalFN, or its associates will not be liable for any losses (direct/indirect) incurred for investment(s) made or decisions taken/or not taken based on the information provided herein.
    5. The tools and calculators are sourced from PersonalFN. Common Sense or PersonalFN does not warrant that this tool is complete, accurate, reliable, current, suitable, free from any virus, disruption or interruption and expressly disclaims all warranties and conditions of any kind, whether express or implied.
    6. Common Sense may at its discretion and from time to time, change, add, remove features of the composition of 'Retire Rich' service without notice.
  • For posting comments on Wealth Builders Club Conversations & Retire Rich Club the following additional terms and conditions will apply (hereinafter referred to "CSL Club"):

    1. The views, opinions and comments posted are yours, and are not endorsed by CSL Club. You shall be solely responsible for the comment posted on CSL Club. Comments posted on CSL Club may be moderated and Common Sense Living or any of its Associates reserves the right to edit, modify, delete, reject, or otherwise remove any views, opinions and comments posted or part thereof without notice.
    2. You shall ensure that your comment is not inflammatory, abusive, derogatory, defamatory &/or obscene, or contain pornographic matter and/or does not constitute hate mail, or violate privacy of any person (s) or breach confidentiality or otherwise is illegal, immoral or contrary to public policy. Nor should it contain anything infringing copyright &/or intellectual property rights of any person(s).
    3. User Comments are made available to you for your information and personal non-commercial use solely as intended through the normal functionality of the Common Sense Living Service. User Comments shall not be used, downloaded (either permanently or temporarily) copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, downloaded, or otherwise commercially exploited in any manner.
    4. You agree that CSL Club is not a platform to solicit, sell, market, promote or in any manner advertise your or a third party's goods or services in any manner whatsoever.
    5. You shall not conduct or forward surveys, contests, or chain letters or post any commercial content.
    6. Use of CSL Club is at your own risk. Common Sense Living does not guarantee the accuracy, integrity or quality of any content posted on CSL Club. Common Sense Living assumes no responsibility or liability for the deletion or failure to store, inaccuracy in transmission, use of any data, content posted, uploaded on CSL Club
    7. You may not send, submit, post, or otherwise transmit, messages or material that contain software virus, that are designed to interrupt, destroy, and negatively affect in any manner whatsoever, any electronic equipment / software / coding in connection with the use of this portal.
    8. In the event that you breach any of the Terms of Use, Common Sense Living shall have the right to delete any material relating to the violations without notice. Common Sense Living also reserve the right to ban anyone who willfully violates these Terms of Use. Inobservance of these terms and conditions may lead to an immediate warning, an infraction and deletion of the concerned post. Repeated offences shall lead to the member being permanently banned from CSL Club.
  • Additional Terms and conditions for AWAI Program/Product ("Program")

    1. AWAI Program(s)/Product(s) means and includes direct- response copywriting, travel writing, photography, graphic design home study programs or such other products, owned & sourced from American Writers & Artists Inc (AWAI) and offered by Common Sense to its subscribers.
    2. Common Sense, its associates or AWAI does not assure or guarantee the subscribers any minimum or fixed returns/benefits. Common Sense, its associates or AWAI will not be liable for any loss or liability (direct/indirect) incurred by any person as a consequence of his/or any other person on his behalf taking any decision based on the information provided in the Program.
    3. Common Sense is the marketing partner of AWAI in India. Common Sense's liability, if any, is limited to the extent of marketing/ distribution of the Program. Common Sense or its associates shall not be responsible for the fulfillment of the AWAI Program(s).
    4. In case a Subscriber discontinues the Program for any reason whatsoever; he will not be eligible to receive any program updates /access to website or forum, which may form part of the Program.
  • Terms and conditions for Wealth Builders Club (WBC) Conference 2017 Pass Offer

    For Common Sense Living's WBC Conference 2017 Pass Offer (hereinafter referred to as "the WBC conference Offer"), the following additional terms and conditions will apply:

    1. Defination:
      1. "WBC conference Offer": The term " WBC conference Offer " means and includes an invite given to the Subscriber to attend WBC conference 2017 in Mumbai.
      2. "Subscriber": Subscriber for this purpose means person who has signed up for Common Sense Living's Indipreneur Launchpad
      3. "Business Idea": Business Idea for this purpose means short summary of the business idea submitted by the subscriber along with his/her qualifications or experience to execute it successfully.
      4. "Winner": Winner for this purpose means Subscriber of Indipreneur Launchpad whose Business Idea is selected by Common Sense Living.
    2. Selection of Business Idea:
      1. The Subscriber shall email his/her Business idea on or before November 7, 2016. Once the Business Idea is emailed to Common Sense Living, no changes/alterations will be allowed. Common Sense Living Team shall review Business Ideas received before the stipulated date.
      2. No extensions will be allowed for submitting the Busniess Idea beyond the period as specified in Clause 2 (a)
      3. Common Sense Living Team will select five Business Ideas from all the valid subscribers. The result announced shall be final and binding on all concerned. No correspondence shall be entertained from anyone in this regard.
      4. The winners will be informed through email soon after the selection process is completed.
    3. WBC conference offer:
      1. Any communication shall be deemed to have been validly received by the Winner by sending the email to the registered email address of the Winner.
      2. After the communication is received by the Winner, the Winner will have to intimate his willingness to attend WBC Conference through an email.
      3. If a Winner does not accept and confirm his/her attendance at the WBC Conference 2017 within 7 days of the receipt of the communication as stated in clause 3 (b) above, the Common Sense Team shall have the right to select the next best idea.
    4. General:
      1. The Subscriber shall give correct email id, address and phone/mobile number(s) while registering himself/ herself while subscribing to Indipreneur Launchpad (Course). The address and phone/mobile number(s) given at the time of registration shall be considered final. The Subscriber shall not impersonate any other person or entity or use a false name or give false details.
      2. This invite cannot be transferred, sold or gifted by the Winner.
      3. In case Subscriber claims for a refund for his Indipreneur Launchpad Subscription for any reason whatsoever, he will be disqualified.
      4. No Refund will be provided in case Subscriber does not accept the invite or fail to attend the WBC conference 2017 for any reason whatsoever.
      5. Common Sense Living shall not be liable or responsible for any loss direct/indirect, damage caused to the Subscriber for availing this Offer.
      6. Subscriber will not be eligible to any kind of reimbursement.
      7. Common Sense Living may at its discretion and from time to time, change, add, remove, cancel or withdraw this Offer without notice.
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