Copying any text of this agreement will attract compensations from the copier as it is drafted to use for single use only on this web site by a well known Legal firm. # This is an Important Legal Part of this site. Please go through it very carefully. It consists of three parts mainly:

1. Disclaimer.
2. Privacy Agreement.
3. Surfing Or User Agreement

moneyshakti.com (hereinafter referred to MS.C) is an internet site of Information and Products display of the Pearl Infocom Media Pvt. Ltd. (hereinafter referred to PIMPL). The Products and Information to be included in MS.C is made by the Management of PIMPL, Mumbai, India, As PIMPL makes the products displayed on site. It is presumed that we are not violating any copyrights. There is no intention to violate intellectual copyright. However, if any Agency has any objection, the same may be brought immediately to the notice of PIMPL. We will ensure immediate Legal opinion on explicit observation/ complaint and take immediate steps to legalize it, if required.

MS.C does not intend to offend anyone. However if any products or information offends any surfer we at MS.C take no responsibility concerning the impact or consequence of the same. While we have made every effort to ensure the accuracy and clarity of the information presented in this site, PIMPL or MS.C cannot be held liable for any errors or inconsistencies. All information in this site is subject to PIMPL's discretion and is liable to change without any notice.

MS.C is an internet site for users to post information / Questions / Answers. We do not evaluate screen or edit the information as provided by users. MS.C is not involved in any way in the actual transaction between its Users. As such MS.C has no control over the quality, accuracy, truthfulness or legality of information provided in the Questions / Answers / Information on the site.

Due to very nature of internet operation user authentication on internet is difficult. MS.C cannot and doesn't confirm the correctness of identity of its users. Because MS.C do not and cannot be involved in any dealings between its users, in the event of any dispute you have with one or more of our users, you release MS.C (including its employees, agents, associates etc.) from any claims, demands, damages ( direct, indirect, actual or consequential) of every kind and nature whatsoever arising out of or in any way connected with such disputes.

We expect that you will use sufficient common sense & caution while using MS.C website in any way. Please note there are risks involved in using information, Questions and answers provided by other users of our website & you will be fully & solely responsible for using any information and answers provided on A I.C website. You will on your own & through your own sources satisfy yourself about the accuracy of information provided by other users in MS.C website before making any use of it.. You will take the full responsibility of consequences arising out of using information provided by users of MS.C website. MS.C in no way guarantee or represent for accuracy of information provided by its users on the site. you release MS.C (including its employees, agents, associates etc.) from any claims, demands, damages ( direct, indirect, actual or consequential) of every kind and nature whatsoever arising out of or in any way connected with use of MS.C website.

Information in the form of questions, answers, blog, forums, news, polls, surveys etc. Provided in moneyshakti.com website is normally contributed by its users like you. However, sometimes there may be contributed by celebrities, special guests, members of moneyshakti.com team etc. However, regardless of the some of such information & control on moneyshakti.com you agree that any use you make of information/content available on moneyshakti.com site, is at your own risk and moneyshakti.com, its information contributors, directors, employees are not responsible for any consequences or losses resulting out of this use or reliance on such information / content.

Information / content on moneyshakti.com site should never be used as substitute for advice from professionally qualified experts. Information /content provided may be relevant to some geographical location. It is user's responsibility to acertain and satisfy himself about applicability of such information where he wants to use it. Information available on the moneyshakti.com site might lose its relevance with time. User should satisfy himself about relevance and usability of the information at the time he intends to use it

moneyshakti.com does not guarantee the adequacy, extent and quality of response to any questions posted by its users by posting a question on moneyshakti.com you agree to hold moneyshakti.com harmless from any damages, injury, losses resulting from or arising out of your submission of question or your use or reliance or any response there to.

moneyshakti.com`s responsibility relating to information on financial matters:- Users of the site moneyshakti.com are specially warned about using information on the site about financial matters. Please note, there are risks involved in using information, questions and answers provided by other users of our website about financial matters & you will be fully and solely responsible for using any information provided on MS.C site You will on Your own & through your own sources seek expert professional guidance and satisfy yourself about accuracy and reliability of information provided on MS.C website before making any use of it. Question, Answers and other contents provided on A.I.C website is for information purpose only and no content is meant to rely on for trading, investment or any other financial decision. MS.C is no way gurantee or represent for accuracy of information provided on MS.C website.

Information relating to legal matters on moneyshakti.com website is for information purpose only. User must take professional legal advice before using any information and fully satisfy yourself about the information provided on moneyshakti.com website. You will take full responsibility of consequences arising out of using legal information provided on A.I.C website.

**General Privacy Policy Statement PIMPL recognizes its obligation to its customers, community and online visitors to adhere to the highest standards of decency, fairness, and integrity in all its operations. Likewise, MS.C is dedicated to the fundamentals of protecting consumer privacy on the Internet, especially for children. We've developed our privacy practices from guidelines established by the Children's Advertising Review Unit (CARU) and in compliance with the requirements established by the Children's Online Privacy Protection Act ("COPPA").

**Gathering and Use of Information On most sections of our websites, MS.C collects personal information from our visitors only on a voluntary basis. We do not require this information for customers to obtain access to any of our sites. However, in order to participate in some of the programs offered on the MS.C website, you may have to provide personal information. Personal information received from any visitor will only be used for internal marketing purposes and will not be sold or provided to third parties.

**Cookies MS.C may use "cookie" technology to obtain non-personal information from its online visitors. Cookies are information files that your web browser places on your computer when you visit a website. Most browsers accept cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. We do not extract personal information in this process nor do we provide this information to third parties. We also do not contact you except in case of enquiry. Cookies allow us to customize your user interface to speed up the navigation process and to make the site experience more efficient. If your browser is configured to reject cookies, you will not be able to utilize the features of the MS.C website.

**USE OF IP ADDRESSES An IP address is a number that's automatically assigned to your computer whenever you're surfing the Web. Web servers -- the big computers that "serve up" Web pages -- automatically identify your computer by its IP address. MS.C collect IP addresses for the purposes of system administration, to report aggregate information to our advertisers, and to audit the use of our site. When Guests request pages from MS.C site, our servers log the Guests' IP addresses. We do not normally link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous to us. We can and will use IP addresses to identify a user when we feel it is necessary to enforce compliance with our house rules or terms of service or to protect our service, site, customers, or others.

**Links The MS.C website may contain links to other sites. We make every effort only to link to websites that share our high standards of decency, fairness, and integrity. We try our best to ensure that these links are safe for children, but the privacy and data collection practices on any linked websites are entirely separate from MS.C and are not covered by this Privacy Policy. MS.C shall not be responsible for any failure on the part of any linked websites to comply with any privacy policy posted on this website, or any contractual or other legal obligations to which the operators of such website may be subject. In addition, other websites, which may contain material not suitable for children, may also link to the MS.C website without MS.C's knowledge or consent. MS.C has no responsibility for the content, policies or actions of these websites. Children should always check with a parent, guardian or other adult before linking to any new sites.

**Security MS.C has taken steps to make all information received from our online visitors as secure as possible against unauthorized access and use. MS.C retains paper copies of faxed or mailed forms in a secure cabinet. All other personal information provided by customers is kept in MS.C's secure database. All information received from our customers is protected by our security measures, which are periodically reviewed. You should keep in mind, however, that no data transmission over the Internet is 100% secure and any information disclosed online can potentially be collected and used by parties other than the intended recipient.

**Changes and Updates to the Privacy Policy The MS.C websites' content and features may be updated, revised, modified and supplemented. MS.C reserves the right to change the information, features, products, policies, promotions, disclosures and disclaimers at any time. Changes to this Privacy Policy will be posted on our websites. Please check the policy periodically for changes. At the end of the policy we indicate the date of an update to the Privacy Policy. The continued use of the MS.C websites following the posting of changes to this Privacy Policy will mean you accept those changes.

**Changes and Access to Personal Information MS.C customers who provide personal information to MS.C can correct, update and delete personal information from our database at any time by sending an e-mail to MS.C by clicking on the hyperlink "Contact us" located at the bottom of each page of the MS.C websites or going to webmaster@moneyshakti.com or contacting MS.C's Customer Support Department addressed below.

**Summary As in our other business operations, MS.C approaches our communications on the Internet with respect for, and commitment to, individual privacy rights, concern, and respect for the different sensibilities of our consumers. We support active self-regulation of this new environment to ensure that responsible marketers can maintain the right to use all communication media to interact with its consumers.

1. Copyright. All images, text, programs, and other materials found in the MS.C Web Site are protected by the copyright laws. Any commercial use of the images, Text,programs or other materials found in the MS.C Web Site is strictly prohibited without the express written consent of MS.C.

2. Trademarks. The names, logos, and taglines identifying MS.C's products and services are all proprietary marks of PIMPL, Bombay, India or its subsidiaries. Microsoft and its products and services referenced herein are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries. All other trademarks and service marks if displayed are the property of their respective owners.

3. Cancellation. of Membership. PIMPL hold the rights to cancel your membership at its own discretion without assigning any reason. Misleading advertisements are a criminal offence under LAW. It is generally unlawful for an advertiser to show any intention to discriminate on the basis of sex, pregnancy, age, marital status, political or religious belief or activity, parental or career status, physical features, disability, lawful sexual activity/sexual orientation, HIV/AIDS status or on the basis of being associated with a person with one of the above characteristics. MS.C/PIMPL can reject the membership of the advertiser anytime without refund on suspecting criminal offence by the advertiser. In that case advertiser need to produce documentary evidence without demanding any claims or refund to prove its existence within 30 days from the date of termination of membership. Only after scrutinizing and verifying the submitted documents, MS.C/PIMPL can reinstate termination of the membership. MS.C/PIMPL will not refund any amount once paid by the member/advertiser on termination of membership.

4. Performance. We make no express or implied warranties or representations with respect to the scheme or any product sold through any scheme. Also, we make no representation that operation of our site will be error free or uninterrupted. Further we will not be liable for any error or interruption.

5. Content Submission. Certain areas of the MS.C Web Site allow for the exchange of information between you, the USER, and MS.C. Any submission by the USER becomes the property of MS.C, and the USER implicitly grants PIMPL the authority and right to use that content in accordance with MS.C corporate privacy policies.

6. USER Responsibility. The USER assumes all responsibility for use of the MS.C Website. The USER waives all claims against MS.C or PIMPL, its officers, directors, employees, suppliers, designers and programmers that may arise from the utilization of the moneyshakti.com Web Site.

7. Accuracy of Information & MS.C/Company's Liability. Neither MS.C, nor its information contributors can be held responsible by USER for the accuracy of the information found in the MS.C Web Site. MS.C makes no expressed or implied warranty as to the accuracy or merchantability of content or programming.

MS.C is an internet site for user to post their Questions, Answers, Information. We do not evaluate, screen or edit the information as provided by users. MS.C is not involved in any way in the actual transaction between its users. As such MS.C has no control over the quality, accuracy, truthfulness or legality of information provided on the site.

Due to very nature of internet operation user authentication on internet is difficult. MS.C cannot and doesn't confirm the correctness of identity of its users. Because MS.C do not and cannot be involved in any dealings between its users, in the event of any dispute you have with one or more of our users, you release MS.C (including its employees, agents, associates etc.) from any claims, demands, damages ( direct, indirect, actual or consequential) of every kind and nature whatsoever arising out of or in any way connected with such disputes.

We expect that you will use sufficient common sense & caution while using MS.C website in any way. Please note there are risks involved in dealing with foreign nationals / companies & you will be fully & solely responsible for dealings with other users of MS.C website. You will on your own & through your own sources satisfy yourself about the accuracy of information provided by other users in MS.C website. You will take the full responsibility of consequences arising out of your dealing with other users of MS.C website. MS.C in no way guarantee or represent for accuracy of information provided by its users on the site.

8. Limitation of Liability. MS.C's liability arising out of or in connection with use of MS.C site regardless of its cause will be limited to a maximum amount of Rs.1200.00 only i.e Rupees One Thousand Two Hundred only.

9. Jurisdiction: The agreement shall be governed by Indian laws jurisdiction will be exclusively the courts of law Mumbai (Maharashtra).

10. Disclaimer of Warranties: The information available on this site is provided on "AS IS" and "AS AVAILABLE" basis without any warranties of any nature. PIMPL / MS.C site does not provide warranties of any kind that the site will operate error free without any interruptions or that its servers and other equipments are free of any computer viruses, or other harmful mechanism. MS.C / PIMPL will not be responsible for any costs arising to for damaging to any equipment or information, due to use of MS.C website. MS.C / PIMPL disclaims all warranties (to the fullest extent permitted by law) whether direct or implied including the warranty of error free and uninterrupted operation, accuracy, reliability, correctness, completeness or timeliness of content software or services, merchantability, in infringement or fitness of products and services for a particular purpose.

11. Link to other sites: MS.C website contains links to some other sites owned and maintained by third parties who are beyond the control of MS.C / PIMPL and as such you are beyond MS.C website. MS.C / PIMPL therefore provides no warranty or accepts no responsibility or liability for the authenticity / availability of any goods/ contents/ services offered by these sites. Neither we accept any responsibility or liability for loss or damages direct or consequential arising to you or violation of Indian international law arising due to your use these sites in any manner.

** Your Acceptance Of All These Terms By using this site, you signify your assent to the MS.C's Privacy Policy and all other agreements. If you do not agree to this policy, please do not use our sites. Your continued use of the MS.C sites following the posting of changes to these terms will mean you accept those changes.

Any questions that you have about this agreement can be forwarded to:
Customer Support Department,
moneyshakti.com,
302, Shree Shiv Dutta,
Gaikwad House, Topiwala-wadi,
next to Mahavir Stationery,
Station Rd., Goregaon(W),
Mumbai : 400062.
Tel : +91 022 64504670 E.mail: support@moneyshakti.com.
12th june 2008