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                            This document is an electronic contract between Citrus Advisors India Pvt. Ltd.,
                            an Indian company having its corporate offices at Citrus Advisors, 501, Royyal Chambers,
                            OppJuhuMillenium Club, Gulmohur Road, VPD Scheme, Juhu, Mumbai 400049 and registered
                            office E-602, Dheeraj Heritage Residency II, Linking Road Extension, Santacruz (West)
                            Mumbai -- 400050, and you, under the provisions of the Information Technology Act,
                            2000 and the relevant Rules framed there under.
                         
                            These Terms of Service govern your use of the websites, content and community services
                            offered throughwww.citrusinteractive.in
                            or Citrus Interactive (“Site”). You (the user) agree to access "the site", subject
                            to the terms and conditions of use as set out here.
                         
                            Citrus Interactive may add to or change or update these Terms of Service, from time
                            to time entirely at its own discretion. You are responsible for checking these Terms
                            of Service periodically to remain in compliance with these terms. Your use of the
                            Site after any amendment to the Terms of Service shall constitute your acceptance
                            of these terms and you also agree to be bound by any such changes/revisions.
                         
                            All rights reserved
                         
                            Citrus Interactive reserves the right to suspend / cancel, or discontinue any or
                            all channels, products or services at any time without notice, make modifications
                            and alterations in any or all of the content, products and services contained on
                            the site without prior notice. Such changes will be posted to www.CitrusInteractive.in
                            for your reference and convenience so as to enable you to understand your responsibility
                            as a user.
                         
                            Charges
                         
                            For now all information is available free of cost but at any given time Citrus Interactive
                            retains the right to introduce subscription fee for accessing the full Site and
                            its content.
                         
                            Copyright and Trademarks
                         
                            Unless otherwise stated, copyright and all intellectual property rights to all the
                            material presented on the site (including but not limited to text, audio, video
                            and graphical images), trademarks and logos appearing on this site are the property
                            of Citrus Interactive, its parent, affiliates and associates and are protected under
                            applicable Indian laws. You agree not to use any framing techniques to enclose any
                            trademark or logo or other proprietary information of Citrus Interactive. Any infringement
                            shall be vigorously defended and pursued to the fullest extent permitted by law.
                         
                            Citrus Interactive grants you permission to only access and make personal use of
                            the Site and You agree not to download or modify/alter/change/amend/vary/transform/revise
                            Citrus Interactive’s Site, or any portion of it, except with the express consent
                            of Citrus Interactive. You are permitted to print or download extracts from these
                            pages for your personal, non-commercial use only. Any copies of these pages saved
                            to disk or to any other storage medium may only be used for subsequent viewing purposes
                            or to print extracts for personal use.Citrus Interactive forbids you from any attempts
                            to resell or put to commercial use any part of the Site; any collection and use
                            of any product listings, descriptions, or prices; any derivative use of the Site
                            or its contents; any downloading or copying of account information for the benefit
                            of any other merchant; or any data gathering or extraction tools; or any use of
                            meta tags. You may not (whether directly or through the use of any software program)
                            create a database in electronic or structured manual form by regularly or systematically
                            downloading and storing all or any part of the pages from this site.No part of the
                            Site may be reproduced or transmitted to or stored in any other web site, nor may
                            any of its pages or part thereof be disseminated in any electronic or non-electronic
                            form, nor included in any public or private electronic retrieval system or service
                            without prior written permission. Requests to republish Citrus Interactive material
                            for distribution should be addressed to Citrus Interactive at the following e-mail
                            IDs:info@citrusadvisors.com or 
                                sanjay.singh@citrusadvisors.com .
                         
                            Individual Registration, Access and Exchange of Information. For certain
                            services such as using Fund Analysis, Citrus Analysis, Archive stories etc., registration
                            by the visitor is required. To register for these services you have to open an account
                            by completing the registration process (i.e. by providing us with current, complete
                            and accurate information as prompted by the applicable registration form). You will
                            also will choose a user name and password. You are entirely responsible for maintainingthe
                            confidentiality of your user name and password. By registering, you agree to the
                            following terms in addition to any other specific terms which shall be posted at
                            an appropriate location on the Site. Each registration is for a single individual
                            user only.
                         
                            To access these services, you will be asked to enter your individual User Name and
                            Password, as chosen by you during your registration. Therefore, we do not permit
                            any of the following:
                         
                            Any other person sharing your account and password;
                         
                            Any part of the Site being cached in proxy servers and accessed by individuals who
                            have not registered with Citrus Interactive as users of the Site; or
                         
                            Access through a single account and password being made available to multiple users
                            on a network.
                         
                            If Citrus Interactive reasonably believes that an account and Password are being
                            used / misused in any manner, Citrus Interactive reserves the right to cancel access
                            rights immediately without notice, and block access to all users from that IP address.
                         
                            Furthermore, you are entirely responsible for any and all activities that occur
                            under your account. You agree to notify Citrus Interactive immediately of any unauthorised
                            use of your account or any other breach of security. Citrus Interactive will not
                            be liable for any loss that you may incur as a result of someone else using your
                            account or password. However, you could be held liable for losses incurred by Citrus
                            Interactive or another party due to someone else using your account or password.
                         
                            No unlawful or prohibited use
                         
                            As a condition for your use of our Services, you will not use our Services for any
                            purpose that is unlawful or prohibited by these terms, conditions, and notices.
                            You may not use the Services in any manner that could damage, disable, overburden,
                            or impair any of the servers or network(s) of Citrus Interactiveor that of any of
                            its associates, or interfere with any other party's use and enjoyment of any Services.
                            You may not attempt to gain unauthorised access to any Services, other accounts,
                            computer systems or to any of the Services, through hacking, password mining or
                            any other means. You may not obtain or attempt to obtain any materials or information
                            through any means not intentionally made available through the Services.
                         
                            Material Posted/transmitted at Citrus Interactive ’s Site
                         
                            All information, data, text, software, music, sound, photographs, graphics, video,
                            messages or other materials (“Content”), whether publicly or privately transmitted
                            / posted, is the sole responsibility of the person from where such content is originated
                            (the Originator). By Posting any material which contain images, photographs, pictures
                            or that are otherwise graphical in whole or in part ("Images"), you warrant and
                            represent that (a) you are the copyright owner of such Images, or that the copyright
                            owner of such Images has granted you permission to use such Images or any content
                            and/or images contained in such Images consistent with the manner and purpose of
                            your use and as otherwise permitted by these Terms of Service and the Services,
                            (b) you have the rights necessary to grant the licenses and sublicenses described
                            in these Terms of Service, and (c) that each person depicted in such Images, if
                            any, has provided consent to the use of the Images as set forth in these Terms of
                            Service, including, by way of limitation, distribution, public display and reproduction
                            of such Images.
                         
                            You represent that you have valid rights and title in any and all Content/Images
                            that you submit on the Site, that you have not infringed on any IPR belonging to
                            any party and further that you will indemnify Citrus Interactive or its affiliates
                            for all claims arising out of any content that you post on the Site.
                         
                            Citrus Interactive accepts no responsibility for the said Content / Images. However,
                            you understand that all Content / Images posted by you becomes the licensed property
                            of Citrus Interactive and you hereby grant to Citrus Interactive and its affiliates,
                            a non-exclusive, royalty free, perpetual, irrevocable and sub-licensable right to
                            use, reproduce, modify, adapt, publish, translate, create derivative works from,
                            distribute, perform and display such Content / Images (in whole or part) worldwide
                            and/or to incorporate it in other works in any form, media, or technology now known
                            or later developed throughout the world.
                         
                            Limitations of Liabilities
                         
                            Any transaction relating to sale/purchase of goods or services not directly offered
                            by Citrus Interactive is to be settled inter-se between the parties to such transaction
                            and all warranties, express or implied of any kind, regarding any matter pertaining
                            thereto, including without limitation the implied warranties of merchantability,
                            fitness for a particular purpose, and non-infringement are disclaimed by Citrus
                            Interactive. Citrus Interactive merely endeavors to provide a platform where you
                            and other party may interact, exchange information or carry out sale/purchase transactions
                            on such terms and in the manner mutually agreed between you and the other party.
                            Citrus Interactive does not have any involvement in the actual transactions between
                            the buyers and sellers in any way. It is only you, who is entirely responsible for
                            all the activities, arising out of the transactions of sale/purchase of goods or
                            services offered by any other party and not Citrus Interactive. Citrus Interactive
                            will not be liable for any loss that you may incur, while selling or purchasing
                            goods /services of the third party.
                         
                            Under no circumstance will Citrus Interactive be held responsible or liable, in
                            any way, for any content which in legal opinion is derogatory, threatening, defamatory,
                            obscene or offensive or offends public sensibilities or morals and shall also not
                            assume liability for any errors or omissions in any content, or for any loss or
                            damage of any kind incurred as a result of the use of any content posted or uploaded
                            on the Site, or any infringement of another's rights, including intellectual property
                            rights. You specifically agree that Citrus Interactive is not responsible for any
                            content sent using and/or included in Citrus Interactive site/service by any third
                            party.
                         
                            Termination of Account 
                            Citrus Interactive reserves its right to refuse service, restrict, suspend, terminate
                            your account; (Terminate this Agreement; Terminate or suspend your access to Citrus
                            Interactive’sweb sites; Refuse, move or remove for any reason any Content / Image
                            that you submit on or through the Services; Refuse, move, or remove any Content
                            / Image that is available on or through the Services; Deactivate or delete your
                            accounts and all related information and files in your account; establish general
                            practices and limits concerning use of the Services at any time and, remove or edit
                            contents or cancel orders (entered by you) in its sole discretion with or without
                            cause, and with or without any prior notice for any violation of the Terms of Service.
                            Upon such termination or suspension, your right to use the Citrus Interactive Web
                            Sites will ceaseimmediately.
                         
                            You can also terminate your account at any time but your information may remain
                            stored in archive on our servers even after the deletion or the termination of your
                            account.
                         
                            User Conduct and Obligations
                         
                            You agree to follow all applicable laws and regulations when using this website.
                            You agree to not use any product or the service available on a Site to:
                            a) intrude upon someone’s privacy; upload, post, email, transmit or make available
                            anycontent that is hateful, or racially, ethnically or otherwise objectionable.
                            This includes text, graphics, video, programs or audio.
 (b) Upload, post, email, transmit or otherwise make available any viruses, trojan
                            horses, time bombs, or any other harmful programs or elements.
 (c) Harm minors in any way.
 (d) Engage in antisocial, disruptive, or destructive acts, including "flaming,"
                            "spamming," "flooding," "trolling," and "griefing" as those terms are commonly understood
                            and used on the Internet.
 (e) Impersonate any person or entity, including, but not limited to, Citrus Interactive’s
                            official, forum leader, guide or host, or falsely state or otherwise misrepresent
                            your affiliation with a person or entity.
 (f) Forge headers or otherwise manipulate identifiers in order to disguise the origin
                            of any content transmitted through the Site.
 (g) Disrupt, place unreasonable burdens or excessive loads on, interfere with or
                            attempt to gain unauthorized access to any portion of our website, its computer
                            systems, servers or networks
 (h) Upload, post, email, transmit or otherwise make available any content that you
                            do not have a right to make available under any law or under contractual or fiduciary
                            relationships (such as inside information, proprietary and confidential information
                            learned or disclosed as part of employment relationships or under nondisclosure
                            agreements).
 (i) Upload, post, email, transmit or otherwise make available any content with the
                            intention of committing or promoting an illegal act.
 (j) Upload, post, email, transmit or otherwise make available any Content that infringes
                            any patent, trademark, trade secret, copyright, privacy rights, rights of publicity,
                            or other proprietary rights ("Rights") of any party.
 (k)Upload, post, email, transmit or otherwise make available any unsolicited or
                            unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters,"
                            "pyramid schemes," duplicative messages or any other form of solicitation.
 
                            Policy Regarding Spam or Unsolicited E-mails
                         
                            You will not use any communication tool or other means available on the Site to
                            transmit, directly or indirectly, any unsolicited bulk communications (including
                            emails and instant messages). Citrus Interactive will not sell, lease or rent its
                            e-mail subscriber lists to third parties. You may not harvest information about
                            users of Citrus Interactive for the purpose of sending or to facilitate the sending
                            of unsolicited bulk communications. We may terminate your access or use of the Site
                            immediately, with or without any notice, and take any other legal action if you,
                            or anyone using your access details to the Site, violates these terms. We may adopt
                            any technical remedy (including any filtering technology or other measures) to prevent
                            unsolicited bulk communications from entering, utilizing or remaining within our
                            computer or communication networks. Such filtering technology or other measures
                            may block, either temporarily or permanently, some e-mail sent to you through the
                            Citrus Interactive’s Web Sites.
                         
                            We will be sending third party mailers occasionally on your email Ids submitted
                            to us. If you are not interested in receiving it in future, you will need to unsubscribe
                            from the email database. Opting out of such e-mailers shall have no effect on your
                            subscription.
                         
                            Disclaimer of Warranties and Liability 
                            All the contents of this Site are only for general information or use. They do not
                            constitute advice and should not be relied upon to make (or refrain from making)
                            any decision. Any specific advice or replies to queries in any part of the Site
                            is/are the personal opinion of such experts/consultants/persons and are not subscribed
                            to by this Site. The information from or through this site is provided on "AS IS"
                            basis, and all warranties and conditions, expressed or implied of any kind, regarding
                            any matter pertaining to any goods, service or channel, including without limitation,
                            the implied warranties of merchantability, fitness for a particular purpose, workmanlike
                            effort, title and non-infringement are disclaimed and excluded.
                         
                            Citrus Interactive and its parent, affiliates and associates shall not be liable,
                            at any time for any direct, indirect, punitive, incidental, special, consequential,
                            damages (including, without limitation, damages for loss of business projects, damage
                            to your computer system or damages for loss of profits, damages for loss of use,
                            data or profits, arising out of or in any way connected with the use or performance
                            of Citrus Interactive’s sites/services, with the delay or inability to use the Citrus
                            Interactive’s sites/services or related services, the provision of or failure to
                            provide services, or for any information, software, products, services and related
                            graphics obtained through the Citrus Interactive sites/services, or otherwise arising
                            out of the use of the Citrus Interactive sites/services) arising in contract, tort
                            or otherwise from the use of or inability to use the Site, or any of its contents,
                            or from any act or omissions a result of using the Site or any such contents or
                            for any failure of performance, error, omission, interruption, deletion, defect,
                            delay in operation or transmission, computer virus, communications line failure,
                            theft or destruction or unauthorised access to, alteration of, or use of information
                            contained on the site. No representations, warranties or guarantees whatsoever are
                            made by Citrus Interactive as to the (a) accuracy, adequacy, reliability, completeness,
                            suitability or applicability of the information to a particular situation; (b) that
                            the service will be uninterrupted, timely, secure, or error-free; (c) the quality
                            of any products, services, content, information, or other material purchased or
                            obtained from the website will meet your expectations or requirements; or (d) any
                            errors in the website will be corrected.
                         
                            Links to Other Sites
                         
                            Certain links on the Site lead to resources located on servers maintained by third
                            parties, these sites of third party(s) may contain Citrus Interactive-logo, please
                            understand that it is independent from Citrus Interactive, over whom Citrus Interactive
                            has no control or connection, business or otherwise as these sites are external
                            to Citrus Interactive. You agree and understand that by visiting such sites you
                            are beyond Citrus Interactive’s website. Citrus Interactive, therefore neither endorses
                            nor offers any judgment or warranty and accepts no responsibility or liability for
                            the authenticity, availability, suitability, reliability, accuracy of the information,
                            software, products, services and related graphics contained, of any of the goods/services/or
                            for any damage, loss or harm, direct or consequential or any violation of local
                            or international laws that may be incurred by your visit and/or transaction/s on
                            these site(s), as the same is provided on "as is" without warranty of any kind.
                            Citrus Interactive gives no warranty and makes no representation whether expressed
                            or implied, that the information contained in these sites is error free. Citrus
                            Interactive shall not be responsible nor liable for any consequential damages arising
                            on account of your relying on the contents of the advertisement. Before relying
                            on the material, users should independently verify its relevance for their purposes,
                            and should obtain any appropriate professional advice.
                         
                            Material Submitted by Users
                         
                            Certain elements of the Site will contain material submitted by users. Citrus Interactive
                            accepts no responsibility for the content, accuracy, conformity to applicable laws
                            of such material. You will indemnify and hold harmless Citrus Interactive against
                            all third party claims, demands and actions brought against Citrus Interactive which
                            arises from or relates to the material submitted by you.
                         
                            Advertising Material
                         
                            Part of the Site contains advertising information or promotion material or other
                            material submitted to Citrus Interactive by third parties. Responsibility for ensuring
                            that material submitted for inclusion on Site complies with applicable International
                            and National law is exclusively on the party providing the information/material.
                            Your correspondence or business dealings with, or participation in promotions of,
                            advertisers other than Citrus Interactive found on or through the Website, including
                            payment and delivery of related goods or services, and any other terms, conditions,
                            warranties or representations associated with such dealings, are solely between
                            you and such advertiser. Citrus Interactive will not be responsible or liable for
                            any claim, error, omission, inaccuracy in advertising material or any loss or damage
                            of any sort incurred as a result of any such dealings or as a result of the presence
                            of such non-Citrus Interactive advertisers on the Website. Citrus Interactive reserves
                            the right to omit, suspend or change the position of any advertising material submitted
                            for insertion. Acceptance of advertisements on the Site will be subject to these
                            terms and conditions.
                         
                            Data Protection
                         
                            Citrus Interactive may send information and offer products and services to you from
                            time to time. For further details relating to our policy relating to such offer
                            please refer to our privacy statement. Notwithstanding the foregoing, Citrus Interactive
                            reserves the right to disclose any information in response to / that it is required
                            to be shared, disclosed or make made available to any governmental, administrative,
                            regulatory or judicial authority under any law or regulation applicable to Citrus
                            Interactive.
                         
                            Further, Citrus Interactive can (and you authorise Citrus Interactive to) disclose
                            your name, street address, city, state, zip code, country, phone number, email,
                            and company name to Intellectual Property right's owners, as we in our sole discretion
                            believe necessary or appropriate in connection with an investigation of fraud, intellectual
                            property infringement, piracy, or other unlawful activity.
                         
                            Relationship
                         
                            None of the provisions of the User Agreement shall be deemed to constitute a partnership
                            or agency between you and Citrus Interactive and you shall have no authority to
                            bind Citrus Interactive in any manner, whatsoever.
                         
                            Force Majeure
                         
                            Citrus Interactive shall have no liability to you for any interruption or delay
                            in access the Site, irrespective of the cause.
                         
                            Indian Law 
                            The Agreement shall be governed by the Laws of India. The Courts of law at Mumbai
                            shall have exclusive jurisdiction over any disputes arising under this agreement.
                         
                            Entire Agreement
                         
                            These Terms of Service constitute the entire agreement between the parties with
                            respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous
                            understandings or agreements, written or oral, regarding such subject matter.
                         
                            Right to remove inappropriate messages
                         
                            We reserve the right to remove any messages we deem to be inappropriate, i.e, racist,
                            sexist or threatening. Messages using inappropriate language will also be removed.
                            We do not wish to be censors, but our forums must remain civilised and respect the
                            rights of others.
                         
                            Limited time to bring your claim 
                            You and Citrus Interactive agree that any cause of action arising out of or related
                            to Citrus Interactive’s web sites, only, must commence within one (1) year after
                            the cause of action accrues, otherwise such cause of action will be permanently
                            barred.
                         
                            Acceptance of Privacy Policy
                         
                            By using Citrus Interactive’s sites and services, you signify your acceptance of
                            the Company’s Privacy Policy as published on the Site. If you do not agree or are
                            not comfortable with any policy described in this Privacy statement, your only remedy
                            is to discontinue use of Citrus Interactive sites. We reserve the right to modify
                            the Privacy Policy at any time.
                         
                            General Terms
                         
                            Rights and obligations under the Terms which by their nature should survive will
                            remain in full effect after termination or expiration of the Terms.
                         
                            Any express waiver or failure to exercise promptly any right under the Terms will
                            not create a continuing waiver or any expectation of non-enforcement.
                         
                            If any provision of the Terms is held invalid by any law or regulation of any government,
                            or by any court or arbitrator, the parties agree that such provision will be replaced
                            with a new provision that accomplishes the original business purpose, and the other
                            provisions of the Terms will remain in full force and effect.
                         
                            Notice of Copyright Infringement 
                            Citrus Interactive is not liable for any infringement of copyright arising out of
                            materials posted on or transmitted through the site, or items advertised on the
                            site, by end users or any other third parties. Our policy is to comply with all
                            Intellectual Property Laws and to act expeditiously upon receiving any notice of
                            claimed infringement. If you believe that your work has been reproduced on this
                            website in a manner that constitutes copyright infringement, please provide a notice
                            of copyright infringement containing all of the following information:
                            a) A physical or electronic signature of a person authorized to act on behalf of
                            the copyright owner for the purposes of the complaint
 (b) Identification of the copyrighted work claimed to have been infringed.
 (c) Identification of the material on our website that is claimed to be infringing
                            or to be the subject of infringing activity.
 (d) The address, telephone number and e-mail address of the complaining party.
 (e) A statement that the complaining party has a good-faith belief that use of the
                            material in the manner complained of is not authorized by the copyright owner, its
                            agent or the law.
 (f) A statement, under penalty of perjury, that the information in the notice of
                            copyright infringement is accurate, and that the complaining party is authorized
                            to act on behalf of the owner of the right that is allegedly infringed.
 
                            All notices of copyright infringement or any questions or clarifications with respect
                            to these terms and conditions can be sent to:info@citrusadvisors.com
                            ,sanjay.singh@citrusadvisors.com
                            Citrus Advisors
 501, Royyal Chambers
 OppJuhuMillenium Club
 Gulmohur Road
 JVPD Scheme, Juhu
 Mumbai 400049
 Tel: +91 22 2620 1957
 
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