Terms and Conditions

In consideration of the mutual understanding as set forth, in MEMBER CLIENT agreement, the parties hereto have agreed to the following terms and conditions:

1. GENERAL TERMS AND CONDITIONS GOVERNING THE SERVICE

A) COMPLIANCE WITH LAWS

i. The provisions of this agreement and all transactions that are carried out by and on behalf of the CLIENT, shall always be subject to Government notifications, any rules, regulations, guidelines and circulars issued by CLIENT SSEBI and Rules, Regulations and Bye laws of the Exchange that may be in force from time to time and their Clearing Houses, if any, on which such transactions are executed and / or cleared by the MEMBER that may be in force from time to time, the Reserve Bank of India and the CLIENTS NSDL and CLIENTS CDSL, the Securities Contracts Regulation Act and the rules made thereunder, and any other applicable statutory provisions and / rules or regulations. The MEMBER is under no obligation to inform the CLIENT of changes in these rules, regulations or guidelines.

ii. In case where the CLIENT is a Non resident, Indian, he agrees to abide by Foreign Exchange Management Act and rules and regulations issued thereunder from time to time.

iii. The CLIENT hereby authorises the MEMBER to take all such steps on the CLIENT's behalf as may be required or advisable in the MEMBER's opinion for compliance with the Exchange provisions or any other law or provisions or to complete or settle any transactions entered into through or with the MEMBER or executed by the MEMBER on behalf of the CLIENT. However, nothing contained herein shall oblige the MEMBER to take such steps.

iv. In addition to the specific rights set out in this agreement the MEMBER and the CLIENT shall be entitled to exercise any other rights which the MEMBER or the CLIENT may have under the Rules, Byelaws and Regulations of the Exchange and circulars issued there under or Rules and Regulations of CLIENTSSEBI.

v. Unless otherwise agreed in writing by the MEMBER, the MEMBER and the CLIENT shall in no circumstances be considered as persons acting in concert or as persons co-operating with each other (directly or indirectly) or as persons having a common objective or purpose of substantial acquisition of shares or voting rights or gaining control over any company, whose shares are purchased by the MEMBER for and on behalf of and on account of the CLIENT pursuant to this Agreement

B) PARTICIPATION

The CLIENT shall ensure that he / it is eligible to enter into this agreement. The CLIENT having agreed to enter into this agreement shall be deemed to have satisfied himself / itself with regard to eligibility in this respect.

C) CHANGE IN INFORMATION:

i. The CLIENTS CLIENT agrees to immediately notify the MEMBER in writing if there is any change in the information in the CLIENT registration form provided by the CLIENTS CLIENT to the MEMBER at the time of opening of the account or at any time thereafter.

ii. The CLIENT agrees to immediately furnish information to MEMBER in writing, if any, winding up petition or insolvency petition has been filed or any winding up or insolvency order or decree is passed against him or any garnishee order has been served upon him in respect of his obligations by a bank or decree or award is passed against him or if any litigation which may have material bearing on his capacity has been filed against him.

D) ACTING AS A SUB BROKER

The CLIENT agrees that he will not act as a Sub Broker without prior written permission of the MEMBER and without obtaining certificate of registration from CLIENTS SEBI.

E) DISCLAIMER

The CLIENT agrees that all investments and disinvestment decisions are based on the CLIENT'S own evaluation of financial circumstances and investment objectives. This extends to any decision made by the CLIENT on the basis of any information that may be made available by the MEMBER through its website https://www.mangalkeshav.com/ or through any other media. The CLIENT will neither hold, nor seek to hold the MEMBER or any of its officers, directors, employees, agents, subsidiaries, affiliates or business associates liable for any trading losses ,costs or damage incurred by the CLIENT consequent upon relying on investment information , research opinion or advice or any other material / information provided by the MEMBER. The CLIENT is aware that any information provided by the MEMBER through any medium based on the research of the MEMBER or other external sources is subject to normal variations in the stock market and is merely an estimation of the availability or otherwise of certain investments, and the MEMBER shall not be deemed to have assumed responsibility for any such information. The CLIENT should seek independent professional advice regarding the suitability of any investment decision.

F) DEMATERIALISED SECURITIES:

All orders made by the CLIENT shall only be in securities compulsory traded in the dematerialised form. All deliveries of securities made by or to the CLIENTSCLIENT shall only be in the dematerialised form.

G) TRANSACTION ORDER SYSTEM:

The CLIENT shall transmit his/its orders to the MEMBER through the internet over the MEMBER's web site, or through telephone (as per the predefined procedure of forwarding the order through a phone broking executive) or in such other manner as the MEMBER may permit.

H) PHONE BROKING SERVICES:

(i) The CLIENT is aware that the MEMBER offers to its CLIENTS who are registered on the online trading system, phone broking services for placing the securities dealing orders through phone broking executives over predesignated telephone numbers. The CLIENT can place securities dealing orders through telephone by confirming his User I.D. allotted to him. The CLIENT shall ensure proper safeguard of the user I.D. allotted to him and keep his personal details confidential. The CLIENT shall immediately notify the MEMBER in writing, delivered via e mail and Registered AD, if the CLIENT becomes aware of any loss, theft or unauthorised use of the CLIENT account user I.D. or any failure by the CLIENT to receive an accurate written confirmation of the execution of an order including the contract note for the same; or any receipt by the CLIENT of confirmation of an order and / or execution which the CLIENT did not place, or any inaccurate information in the CLIENT's account balances, securities positions, or transactions history. In case where the CLIENT notifies such loss, theft or unauthorised use of the CLIENT 's user id. to the MEMBER, the MEMBER shall suspend the use of the Account of the CLIENT. However, the CLIENT shall be responsible and liable for all transactions that are carried out by the use of the CLIENT user i.d. and personal details. When any of the above circumstances occur, neither the MEMBER nor any of its officers, directors, employees, agents, affiliates or subsidiaries will have any responsibility or liability to the CLIENT or to any other person whose claim may arise through the CLIENT with respect to any of the circumstances described above.

(ii) In case of phone broking ,the CLIENT shall ensure the availability of funds and securities in his / her / its accounts intimated to the MEMBER, required for meeting his / her / its pay in obligations, at the time of placing order through phone broking executive. The MEMBER shall not be responsible for any claim, loss damage arising out of non availability / shortage of funds / securities in the CLIENT's accounts for meeting the pay in obligation.

I) AUTHORISED PERSON:

(i) The instructions issued by an authorized representative, if any, of the CLIENT shall be binding on the CLIENT in accordance with the communication authorizing the said representative to deal on behalf of the said CLIENT. In the event of authorized representative being replaced it shall be the responsibility of the CLIENT to inform the MEMBER of the change, in writing, failing which the CLIENT shall be responsible for the trade obligations arising out of the actions of both the old representative as well as the new representative.

(ii) If any transaction(s) under this agreement or under any other agreement or otherwise with the MEMBER, has / have been executed on behalf of the CLIENT by any other person, not mentioned above and the same has / have been accepted by CLIENT from time to time on the basis of the contract note(s) / bills / any other correspondence dispatched / communicated to the CLIENT by the MEMBER and / or by part or full settlement of the said transaction(s) by the CLIENT, then such transaction(s) shall be deemed to be executed by the person authorised by the CLIENT and the CLIENT hereby agrees to ratify and accept all such or other actions of such persons and undertakes to meet all obligations arising from these transaction(s).

3. CONDITIONS GOVERNING TRADING IN SECURITIES OTHER THAN ON THE FLOOR OF THE STOCK EXCHANGE:

i) The CLIENT undertakes to read all the relevant offer documents and terms and conditions of all schemes of all mutual funds, other securities including Initial Public Offerings, Rights Issue, Buy Back Offers, etc. offered through its website; before entering into any transactions through its website

ii) The MEMBER or the concerned Mutual Fund / Issuer or their respective registrars shall entertain ONLINE transactions requests and / or requests made through telephone in the manner provided under this agreement.

iii) For change of address and personal details of the CLIENT, the CLIENT shall send a letter or fax to the MEMBER signed by all the co-holders.

iv) The CLIENT is requested to check up the personal and bank related details provided by him. Neither the MEMBER nor any of the Mutual Funds / Issuers chosen shall accept any liability which may arise as a consequence of the erroneous information provided by the CLIENT.

v) In case of Mutual Fund, the units of schemes shall be allotted, redeemed or switched, as the case may be, at the Net Asset Value prevalent on the date of the application, if the application for purchase, redemption or switch is received by the Fund before the cut off time as specified on the web site and consistent with terms of the Scheme. The MEMBER shall take all necessary action to ensure that the NAV allotted is the NAV applicable on the date of the transaction. However the MEMBER shall not be liable for any loss that may arise to the CLIENT as a result of the correct NAV not being allotted to the CLIENT's transactions on the web site. Any request falling due on holiday would be processed on the next business day and respective NAV would be applicable as per the Mutual Funds offer documents.

vi) In case of other securities, the order for purchase, sell, offer under Buy Back etc. shall be accepted by the MEMBER only if the same is received by the cut off date as indicated on the website and consistent with the terms of the offer.

vii) The CLIENT can view his / her / its transactions on the web site. The physical copy of the transactions statement or the account statement shall be sent only on request to the CLIENT.

viii) The MEMBER does not accept any liability for delay in processing time at the Mutual Fund's / Issuer or Registrars' end.

ix) It is explicitly stated herein that the Mutual Fund schemes / Offer Documents / other schemes offered by the MEMBER, have not been recommended by the MEMBER.

x) Neither the MEMBER, nor any of the Mutual Funds / nor the Issuer shall be liable for any failure to perform its obligations, to the extent that such performance has been delayed, hindered or prevented by systems failures, network errors delay or loss of data due to above and in circumstances of acts of God, floods, epidemics, quarantine, riot or civil commotion and war.

xi) The MEMBER shall provide its services on a best efforts basis. However the MEMBER shall not be liable for any failure or for any loss, damage or other costs arising in any way out of :

a) System failure including failure of ancillary or associated systems, or fluctuation of power, or other acts of God/force maejure;

b) Accident, transportation, neglect, misuse, errors, frauds of the CLIENT's or agents or any third party, or

c) Any fault in any attachments or associated equipments of the CLIENT;

d) Any incidental, special or consequential damages including without limitation of loss of profit.

5. POWER OF ATTORNEY

i. Bank Account

If the CLIENT executes a power of attorney in relation to the operation of its Bank account, the MEMBER is hereby authorised to directly operate the Bank account of the CLIENT to the extent necessary to credit and debit the proceeds/dues from the various transactions that are carried out by the MEMBER on behalf of the CLIENT, and also to debit

a) depository participant account charges,

b) Margins due or shortfall in Margins from the CLIENT, and

c) any other charges or dues from the CLIENT.

The CLIENT also agrees and authorises the designated Bank to block the required amount in the designated Bank account against the desired limits and settlement obligations solely on the instructions from the MEMBER in this regard. Once the amounts in the account are blocked, the MEMBER shall, if the order of the CLIENT gets executed either fully or partially, instruct the bank to transfer the amount equal to such obligation to the MEMBER's account on the settlement date or the pay in or pay out date and release the balance amounts that are blocked in case where the order of the CLIENT is partially executed or the full amount that is blocked in case where the order does not get executed. The CLIENT will not be allowed to withdraw, issue a cheque or otherwise use the blocked funds in its account. The MEMBER will not be liable in any manner for any direct / consequential or special loss or claims that may arise due to any blocking of funds that may be erroneously instructed by the MEMBER to the designated bank

ii. Depository Account

The CLIENT shall execute a power of attorney for the operation of its designated Depository account authorising the MEMBER to directly enable the transfer of relevant securities to the pool account of the MEMBER through the issue of the necessary delivery instructions duly signed on behalf of the CLIENT and to pledge, sell, dispose, transfer or deal in any other manner the securities placed by the CLIENT with the MEMBER as margin and lying in the depository account. The CLIENT shall also authorise the designated Depository Participant to block the securities sold in the designated Depository account against the CLIENT's order to sell securities. Once the securities in the account are blocked the MEMBER shall, if the order of the CLIENT is executed either fully or partially, instruct the Depository Participant to transfer the securities which are sold, to the MEMBER's pool account in time to meet the settlement obligation and release the balance securities that were blocked in the case of partial execution or all the securities that are blocked in the case of non execution. The CLIENT agrees that it will not be allowed to pledge, instruct transfer or otherwise use the blocked securities in its designated depository account.

iii. Securities Transactions

The CLIENT shall authorize the MEMBER by executing a Power of Attorney or otherwise, to carry out such acts including but not limited to acquire by subscribing to or by purchase of securities and to sell, transfer and endorse the securities (including but not limited to Initial Public Offerings, Buy Back offers, rights issue etc.,) or redeem the same either through Internet (using the Identification Number issued by any Mutual Fund from time to time) or otherwise, and / or to sign and to execute all transfer deeds whether as transferor or transferee and such other instruments, application and papers as may be necessary for the purpose of acquiring or transferring / redeeming the same, marking pledge / lien on such securities and / or for transferring the investments in the units of Mutual Fund from one scheme to another or between Mutual Funds, to make applications for, or to renounce and sign renunciation forms in respect of bonds / debentures, rights shares and additional shares of any Company / Body / Authority and to receive and hold such rights or additional shares, bonds or debentures.

iv. Freezing of the Accounts

In a case where the CLIENT executes the power of attorney referred to above, the CLIENT shall be entitled to exercise the right to close/freeze/pledge the accounts with the depository participant and/or the bank , as the case may be, only if there is no obligation pending to be met by the CLIENT or any MEMBER of the CLIENT's FAMILY in favour of the MEMBER in the form of cash and/or security.

7. EXECUTION OF ORDERS

A) The CLIENT understands that placing an order with the MEMBER including a market order, does not guarantee execution of the order. The MEMBER has the absolute right to reject any order that may be made by the CLIENT for any reason whatsoever including for the breach of the requirement of maintaining the prescribed Margin in the CLIENT Account or the Bank account.

B) The CLIENT is required to ascertain the status of his/her/its order (including any rejection of the same) which would be posted only on the relevant sections of the web site, and no separate confirmation of the execution / rejection of the order would be sent to the CLIENT either physically or electronically. Further, the Exchanges may cancel the trade suo moto without giving any reason thereof. The MEMBER shall be entitled to cancel relative contracts with the CLIENT. The MEMBER shall not be liable for any losses, damage or claims on account of such rejection or cancellation of any trade for any reason whatsoever. Further, the MEMBER may, at its sole discretion, subject any order made by the CLIENT to manual review and entry which may cause delays in the execution of the CLIENT's orders.

C) The CLIENT is required to ascertain all ledger balances of securities in his / its account which would be posted only on the relevant sections of the web site and no separate intimation of the ledger balances of the CLIENT in his / its account would be sent to the CLIENT either physically or electronically.

9. MISTAKEN ORDER

The MEMBER shall not be responsible for any order that is made by the CLIENT by mistake and every order that is entered by the CLIENT through the use of the allotted user name and the security code(s) shall be deemed to be a valid order for which the CLIENT shall be fully responsible.

11. CANCELLATION OR MODIFICATION OF ORDERS

i) The execution of order cancellations or modifications is not guaranteed. Cancellation of orders is possible only if the original order remains pending at the Exchanges .Market orders are subject to immediate execution. The CLIENT shall not presume that an order has been executed or cancelled or modified and the CLIENT is required to verify the status of his /it orders on the web site in accordance with Clause above.

ii) Unless otherwise specified by the MEMBER, any order not executed at the end of the day shall stand cancelled.

iii) Where the Exchange cancels trade(s) suo moto all such trades including the trade(s) done on behalf of the CLIENT shall ipso facto stand cancelled and the MEMBER shall be entitled to cancel the respective contract(s) with the CLIENT.

iv) The trade(s) may also be cancelled on account of following reasons:

A) There may be insufficient bids or offers or suspension of trading due to price limits or circuit breakers. B) The electronic trading systems either at the exchange or in the MEMBER's offices are vulnerable to temporary disruptions or failures.

(v) In the event of trade cancellation due to such events or vulnerabilities, MEMBER shall be entitled to cancel relative contract(s) with the CLIENT. At times, due to unforeseen circumstances the MEMBER may not be able to execute the desired transactions (either the CLIENTs own transactions or transactions for enforcing margins as provided in this agreement) on a timely basis. The MEMBER does not accept responsibility for any losses that the CLIENT may incur on such eventualities beyond the control of the MEMBER.

13. BROKERAGE AND OTHER CHARGES

(i) The CLIENT agrees to pay to the MEMBER, brokerage, Exchange related charges, statutory levies and any other charges (including but not limited to security handling charges on settlement) as are prevailing from time to time and as they apply to the CLIENT's account, transactions and to the services that MEMBER renders to the CLIENT. The MEMBER agrees that it shall not charge brokerage more than the maximum brokerage permissible as per the rules and regulations and bye laws of the Exchange/SEBI. The brokerage shall be paid in the manner intimated by the MEMBER to the CLIENT from time to time, including as a percentage of the value of the trade or as a flat fee or otherwise, together with the service tax as may be applicable from time to time on the same. The CLIENT further agrees to pay any applicable taxes including securities transaction taxes, duties and levies as may be levied on the transaction from time to time.

(ii) The MEMBER shall debit the charges of the depository participant for the trades and the bank charges for the realization of cheques etc. to the CLIENT's account.

15. DELAYED REPORTING OF TRANSACTIONS

i) If trades or transactions are reported late to the MEMBER on account of any problems at the Exchange or for whatsoever reason, the CLIENT in turn will be subject to late reporting of transactions.

ii) In addition, any errors reported to the CLIENT for any reason whatsoever will stand subsequently corrected to reflect the transaction that was effected in the market.

17. INFORMATION OF DEFAULT IN PAYMENT / DELIVERY

Information of default in payment /delivery and related aspects by a CLIENT shall be brought to the notice of the relevant stock exchange(s). In case where defaulting CLIENT is a corporate entity/partnership/proprietary firm or any other artificial legal entity, then the name(s) of director(s) / promoter(s) / partner(s) / proprietor as the case may be, shall also be communicated to the relevant stock exchange(s).

19. RECONCILIATION OF ACCOUNTS

The MEMBER and the CLIENT agree to reconcile their accounts at the end of each quarter with reference to all the settlements where payouts have been declared during the quarter.

21. ARRANGEMENT WITH RELATIONSHIPS BANKS

The MEMBER has relationship with one or more banks (the "Relationship Banks"). The web site of the MEMBER has a payment window through a link to the web site of the Relationship Bank which provides the facility. In such a case, the CLIENT would make the payment for securities purchased by him/her/it by crediting the purchase amount (along with the indicated brokerage amount) directly to the account of the MEMBER with the Relationship Bank by means of a fund transfer. Similarly in the case where the CLIENT makes an order for sale of securities the MEMBER would credit the account of the CLIENT with the Relationship Bank by means of a fund transfer on the pay-out date of the relevant Exchange on which the sale transaction is carried out. The MEMBER expressly states that the payment gateway mechanism is a service offered by the Banks with whom the MEMBER has established relations for facilitating the transfer of funds between the CLIENT's account and the MEMBER's account. The MEMBER expressly excludes liability for consequential loss or damage or loss of profit, business, revenue, goodwill or anticipated savings which may arise in respect of (I) the payment gateway services offered by such Banks (ii) the Payment Mechanism;

23. ADJUSTMENT OF BALANCES

The CLIENT or a Constituent of the “Family” of the CLIENT (for the purposes of this agreement “Family” shall hereinafter mean all the individuals, group companies, firms, entities and other persons as notified to MEMBER from time to time) who may be registered as a CLIENT with the MEMBER under one or more of the following segment(s):

a) as a Broking CLIENT for dealing in securities on one or more segment(s) of Bombay Stock Exchange Limited and / or National Stock Exchange of India

b) as a CLIENT holding depository account with MANGAL KESHAV FINANCIAL SERVICES LLP.

c) as a CLIENT registered under the Portfolio Management Scheme of MANGAL KESHAV FINANCIAL SERVICES LLP.

d) or for any other product or service that may be offered and availed in future.

agree that the account of the CLIENT or that of any constituent of the “Family” refers to and includes any account(s) in any of the above segments, taken individually or collectively including account(s) opened by the MEMBER after the signing of this agreement.

The CLIENT agrees to adjust the balances in its account with the balances in the accounts of his Family as per the terms communicated to the MEMBER.

25. MEMBER CLIENT COMMUNICATION:

a. Form of Communication

Documents which may be sent by electronic delivery between the parties may be in the form of an electronic mail (including any auto replies from the system of the MEMBER), an electronic mail attachment, or in the form of an available download from the web site. The MEMBER shall be deemed to have fulfilled any legal obligation to deliver to the CLIENT any such document if sent via electronic delivery, provided however that the notice of termination specified in the Terms herein, shall be in writing.

b. Electronic Communication of Documents

(i) The CLIENT authorizes the MEMBER to send the contract note/trade confirmations of the trades executed, bills and account statements or such other data relating to his trading account with the MEMBER through electronic mail to his email address opened at https://www.mangalkeshav.com/ and / or such other designated email address as may be intimated by the CLIENT to the MEMBER. The CLIENT agrees that the MEMBER fulfils its legal obligation to deliver to the CLIENT any such document if sent via electronic delivery. The CLIENT agrees that the log report generated by the system at the time of sending of the contract notes or other documents shall be treated as the acknowledgement and confirmation of receipt of contract notes and such other documents by the CLIENT. The CLIENT understands that it is his/ her/its responsibility to review, upon first receipt, whether delivered to CLIENT by mail, by e-mail (including any auto replies from the system of the MEMBER), or other electronic means, all confirmations, statements, notices, contracts, bills and other communications. All information contained therein shall be binding upon the CLIENT, if the CLIENT does not object, either in writing or via electronic mail, within twenty four hours after any such document is sent to the CLIENT. In all cases, the MEMBER reserves the right to determine the validity of the CLIENT's objection to the transaction. The CLIENT agrees that the MEMBER will not be responsible for non-receipt of documents sent via electronic delivery due to change in email address of the CLIENT. The CLIENT also agrees that the MEMBER shall not take cognisance of out-of-office/out-of-station auto replies and the CLIENT is deemed to have received such electronic mails. The MEMBER, may on request by the CLIENT, send hard copies of the contract notes or such other documents.

c. Change of Address

Unless the CLIENT informs the MEMBER of the change of the address for communication in writing, all notices, circulars, communication or mail sent to the existing address shall be deemed to have been received by the CLIENT irrespective of whether they are actually received or not.

d. Protection of Security Code(s)

The CLIENT shall immediately notify the MEMBER in writing, delivered via e-mail and Registered AD, if the CLIENT becomes aware of any loss, theft or unauthorised use of the CLIENT's Security code(s) and account number; or any failure by the CLIENT to receive an accurate written confirmation of an execution including the contract note for the same; or any receipt by the CLIENT of confirmation of an order and/or execution which the CLIENT did not place; or any inaccurate information in the CLIENT's account balances, securities positions, or transaction history. In the case where the CLIENT notifies such loss, theft or unauthorised use of the CLIENT's Security code(s) password and account number to the MEMBER, the MEMBER shall suspend the use of the account of the CLIENT. However, the CLIENT shall be responsible and liable for all transactions that are carried out by the use of the CLIENT password. When any of the above circumstances occur, neither the MEMBER nor any of its officers, directors, employees, agents, affiliates or subsidiaries will have any responsibility or liability to the CLIENT or to any other person whose claim may arise through the CLIENT with respect to any of the circumstances described above.

e. Notices / Policies

Certain policies and/or procedures may be further outlined on the MEMBER's web site and material/literature and frequently asked questions (FAQ's) provided to the CLIENT. Through the use of the MEMBER's web site and services, the CLIENT agrees to be bound by any and all such notices, policies and terms of doing business.

27. PROVISIONS IN CASE OF DEFAULT OF MEMBER

In the event of a default of a Trading /Clearing MEMBER on his own account the CLIENT's money will not be utilized to meet the MEMBER's Liabilities .In such cases, the CLIENT's positions shall be either transferred to another solvent MEMBER or closed out as per the provisions of the Rules, Byelaws and Regulations of the any segment or the Clearing House. The Loss, if any, caused to the CLIENT because of such action would be recoverable by the CLIENT from the MEMBER. In event of any failure of the CLIENT to fulfil his obligations to the MEMBER, the Segment or the Clearing House ,the CLIENT's positions may be closed out and the money, if any, of the CLIENT available with the MEMBER or with any other MEMBER, The segment or the Clearing House may be adjusted against the CLIENT's liabilities / obligations.

29. MISCELLANEOUS PROVISIONS GOVERNING THE TERMS

a) USE OF WEB SITE: The CLIENT agrees that each participating Exchange or association or agency asserts a proprietary interest in all of the market data it furnishes to parties that disseminate the said data. The CLIENT shall use real-time quotes received on the web site of the MEMBER only for the CLIENT's individual use and shall not furnish such data to any other person or entity. The CLIENT is authorised to use materials which are made available by the MEMBER's web site for the CLIENT's own needs only, and the CLIENT is not authorized to resell access to any such materials or to make copies of any such materials for sale or use to and by others. The CLIENT shall not delete copyright or other intellectual property rights notices from printouts of electronically accessed materials from the MEMBER's web site.

b) LIMITATION OF LIABILITY: The MEMBER does not guarantee, and shall not be deemed to have guaranteed, the timeliness, sequence, accuracy, completeness, reliability or content of market information, or messages disseminated to the CLIENT or the execution of the orders placed by the CLIENT. The MEMBER shall not be liable for any inaccuracy, error or delay in, or omissions of, 1) any such data, information or messages , or 2) the transmission or delivery of any such data, information or messages, due either to any act or omission by the MEMBER or to any “force majeure“ event (e.g. flood, extraordinary weather condition, earthquake or other any act of God, fire, war, insurrection, riot, labour dispute, accident, action of government, communication, power failure, shut down of the systems for any reason (including on account of computer viruses), equipment or software malfunction); any fraud committed by any person whether in the employment of the MEMBER or otherwise or any cause within beyond the reasonable control of the MEMBER 3) cancellation or non execution of the order placed by the CLIENT with the MEMBER.

The MEMBER shall not liable for any inaccuracy, error, false statement, misrepresentation or fraud committed by any sales or other associates / third parties engaged by the MEMBER to promote the services offered by it. The CLIENT agrees that he/she/it places no reliance on such persons and will exercise due care and diligence in relying on any statements made any persons.

Under no circumstances shall the MEMBER or anyone involved in creating, producing, delivering or managing the MEMBER's services be liable for any direct, indirect, incidental, special or consequential damages that result from the use of or inability to use the service, delay in transmission of any communication, in each case for any reason whatsoever (including on account of breakdown in systems) or out of any breach of any warranty or due to any fraud committed by any person whether in the employment of the MEMBER or otherwise.

c) INTERRUPTION IN SERVICES: The MEMBER does not warrant that the service will be uninterrupted or error free. The service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including, without limitation, those of merchantability and fitness for a particular purpose. The CLIENT agrees that the MEMBER shall not be held responsible for any breakdown of the system either due to the fault of the systems of the MEMBER or of the Exchanges or otherwise.

d) WARRANTIES OF CLIENTS:

i) The CLIENT hereby represents and warrants that the terms and conditions of this Agreement have been clearly understood and that the information furnished to the MEMBER is accurate and truthful.

ii) The CLIENT confirms that he/she is of legal age and he/she/it has obtained the necessary approvals from the relevant regulatory / legal and compliance authorities to avail the services provided pursuant to the Terms of this Agreement.

iii) The MEMBER may appoint agents for carrying out the acts mentioned in or in relation to this Agreement. The CLIENT consents to sharing of his / its account related information to the authorised agents appointed by the MEMBER.

e) SHARING OF INFORMATION: The MEMBER agrees to inform the CLIENT and keep him apprised about trading / settlement cycles, delivery /payment schedules, any changes therein from time to time, and it shall be the responsibility in turn of the CLIENT to comply with such schedules / procedures of the relevant stock exchange.

f) TAPE RECORDING OF CONVERSATION: The CLIENT is aware that the MEMBER tape-records the conversations between the CLIENT's representative and the MEMBER, either personally or over the telephone, and hereby specifically permits the MEMBER to do so. Such recordings may be relied upon by the MEMBER as and when required to resolve disputes in connection with the trading transactions.

g) RESTRICTIONS ON ACCESS TO WEB SITE AND TRADING: The CLIENT understands that the MEMBER may at any time, at its sole discretion and without prior notice to the CLIENT, prohibit or restrict the CLIENT's access to the use of the web site or related services and the CLIENT's ability to trade. The MEMBER may terminate the CLIENT's account at any time for any reason and without prior notice to the CLIENT. The CLIENT will bear any loss that he/she/it may be faced with due to inability to execute further trades on account of such restriction. The closing of an account will not affect the rights and/or obligations of either the MEMBER or the CLIENT incurred prior to the date the account is closed.

h) CONCLUSIVENESS OF RECORDS: The MEMBER's own records of the trades/transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding on the CLIENT for all purposes

i) INDEMNITY

(i) Though orders are generally routed to the marketplace immediately after the time the order is placed by the CLIENT on the system there may be a delay in the execution of the order due to any link/system failure at the CLIENT / MEMBER / Exchange's end. The CLIENT hereby specifically indemnifies and holds the MEMBER harmless from any and all claims, and agrees that the MEMBER shall not be liable for any loss, actual or perceived, caused directly or indirectly by government restriction, exchange or market regulation, suspension of trading, war, strike, equipment failure, communication line failure, system failure, security failure on the Internet, shut down of systems for any reason (including on account of computer viruses), unauthorised access, theft, any fraud committed by any person whether in the employment of the MEMBER or otherwise or any problem, technological or otherwise, that might prevent the CLIENT from contacting the phone broking services of the MEMBER or entering the MEMBER's system or from executing an order or in respect of other conditions.

(ii) The CLIENT further agrees that he/she/it CLIENT will not be compensated by the MEMBER for any "lost opportunity' viz. notional profits on buy/sell orders which could not be executed due to any reason whatsoever, including but not limited due to time lag in the execution of the order or the speed at which the system of the MEMBER or of the Exchanges is operating, any shutting down by the MEMBER of his/her/its system for any reason or the MEMBER disabling the CLIENT from trading on its system for any reason whatsoever.

(iii) The MEMBER shall continue to be responsible for replacing bad deliveries of the CLIENT in accordance with applicable “Good and bad Delivery norms” even after termination of the agreement and shall be entitled to recover any loss incurred by him in such connection from the CLIENT.

j) CONFIDENTIALITY: The MEMBER hereby undertakes to maintain the details of the CLIENT as mentioned in the CLIENT registration form or any other information pertaining to the CLIENT in confidence and that it shall not disclose the same to any person/authority except as required under any law/regulatory requirements'. provided however, that the MEMBER may so disclose information about its CLIENT to any person or authority with the express permission of the CLIENT.

k) TERMINATION:

(i) The MEMBER and the CLIENT shall be entitled to terminate this agreement without giving any reasons to the other party, after giving notice in writing of not less than One month to the other party. Notwithstanding any such termination, all rights, liabilities and obligations of the parties arising out of or in respect of transactions entered into prior to the termination of this agreement or any obligations (including indemnity) which is then outstanding, shall continue to subsist and vest in /be binding on the respective parties or his /its respective heirs, executors, administrators, legal representatives or successors, as the case may be.

(ii) This agreement shall forthwith terminate; if the MEMBER for any reason ceases to be a MEMBER of the stock exchange including cessation of MEMBERship by reason of the MEMBER's default, death, liquidation, resignation or expulsion or if the certificate issued by the Board is cancelled.

l) ASSIGNMENT: Either party to this Agreement shall not assign or transfer all or any of its rights or obligations hereunder without the prior consent of the other party.

m) SEVERABILITY: In case anyone or more of the provisions contained in this Agreement becomes invalid, illegal or unenforceable in any respect under any law, the validity, legality and enforceability of the remaining provisions contained herein shall not in any way be affected or impaired thereto.

n) FURTHER ASSURANCES: In connection with this Agreement, as well as all transactions contemplated by this Agreement as offered by the MEMBER from time to time, each party agrees to execute and deliver such additional documents and to perform such additional actions may be necessary, appropriate or reasonably requested to carry out or evidence the transactions in respect of the services availed by the CLIENT from time to time.

31. DISPUTE RESOLUTION

(a) The MEBER and the CLIENT agree to refer any claims and/or disputes to arbitration as per the Rules, Byelaws and Regulations of the Exchange and circulars issued thereunder as may be in force from time to time.

(b) The MEMBER and the CLIENT are aware of the provisions of the bye laws rules and regulations of the Exchange relating to the resolution of the disputes / differences through the mechanism of arbitration provided by the Exchanges and agree to abide by the said provisions in so far as any disputes under these Terms relate to transactions that are to be carried out on the Exchanges.

(c) “Except for the claims/disputes which are subject to the Rules and Regulations of the respective Exchanges on which the trades have been executed, any and all claims and disputes arising out of or in connection with this Agreement or its performance shall be settled by arbitration by a single arbitrator to be appointed by the MEMBER. The parties agree that the arbitration shall be held at such place within India as the MEMBER may in its sole discretion specify at the time of, or at any time prior or subsequent to, the reference to arbitration. The Courts at the place specified by the MEMBER for holding the arbitration proceedings or, if law does not permit the same, the Courts at the city in which the MEMBER's concerned office is situated, shall have exclusive jurisdiction in relation to this Agreement, the arbitration and all matters arising in connection herewith and therewith. The arbitration shall be governed by the provisions of the Arbitration and Conciliation Act, 1996.

d) The MEMBER and the CLIENT agree to abide by any award passed by the Ombudsman under the SEBI (Ombudsman) Regulations, 2003.

33. PROPREITARY TRADING

The MEMBER discloses herewith that it undertakes Proprietary trading in addition to CLIENT based trading.

The CLIENT confirms having read and understood the terms and conditions of the MEMBER CLIENT agreement and those relating to various services and products and accepts and agrees to be bound by the terms and conditions including those excluding / limiting the MEMBER's and Exchanges' liabilities.

35. AMENDMENT

This agreement can be altered, amended and /or modified by the parties mutually in writing without derogating from the contents of this Agreement. Provided however, if the rights and obligations of the parties hereto are altered by virtue of change in Rules and Regulations of SEBI or byelaws, Rules and Regulations of the Exchange, such changes shall be deemed to have been incorporated herein in modification of the rights and obligations of the parties mentioned in this agreement. The amendments shall be intimated to the CLIENT. In case the CLIENT continues to deal with the MEMBER subsequent to the intimation of such amendments, it shall be deemed that the CLIENT is agreeable to the new clauses. However the CLIENT has the right to terminate the agreement through communication in writing subject to the meeting of the financial and other obligations under this agreement.

When accessing this website www.mangalkeshav.com, there are certain terms of use which the user agrees to abide by at all times. The terms of use are further elaborated in this page. The terms of use documentation is meant for your safety and security as well as the safety of Mangal Keshav Financial Services LLP ("The Company").

Website and ITS Contents

This website is only for your personal use. You shall not distribute, exchange, modify, sell or transmit anything you copy from this website, including but not limited to any text, images, audio and video, for any business, commercial or public purpose. As long as you comply with the terms of these Terms and Conditions of Use, the Company grants you a non–exclusive, non–transferable, limited right to enter, view and use this website. You agree not to interrupt or attempt to interrupt the operation of this website in any way.

You may only use this website to make legitimate purchase and/or seek information about the Company and shall not use this website for any other purposes, including without limitation, to provide any speculative, false or information. You shall not make request in the name of fictitious person(s). You agree that you will not use any device, software or routine that would interfere or be reasonably expected to interfere with the normal working of this website. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material or any material that could constitute or encourage acts or omissions that would amount to a criminal offense or attempt to commit a criminal offense, or give rise to civil liability, or otherwise violate any law. In addition, you are prohibited from posting or transmitting any information which (a) infringes the rights of others or violates their privacy or publicity rights, (b) is protected by patent, copyright, trademark or other proprietary right, unless with the express written permission of the owner of such right, (c) contains a virus, bug, worm or other harmful item or program that may damage, detrimentally interfere with, surreptitiously intercept and/or expropriate any system, data or important information, (d) create any liability for us or cause us to lose (fully or partially) the services of our ISPs or other suppliers, or (e) is used to unlawfully collude against another person in restraint of trade or competition. You shall be solely liable for any damages resulting from any infringement of copyright, trademark, or other proprietary right, or any other harm resulting from your use of this website.

Ownership

All materials on this website, including but not limited to audio, images, software, text, icons and such like (the “Content”), are protected by copyright under international conventions and copyright laws. You cannot use the Content, except as specified herein. You agree to follow all instructions on this website limiting the way you may use the Content.

There are a number of proprietary logos, service marks and trademarks found on this website whether owned/used by the Company. By displaying them on this website, the Company is not granting you any license to utilize those proprietary logos, service marks, or trademarks. Any unauthorized use of the Content may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil and criminal statutes.

You may download such copy/copies of the Content to be used only by you, to help you make the purchase decision on products and services offered by the Company. If you download any Content from this website, you shall not remove any copyright or trademark notices or other notices that go with it.

User Agreement

You hereby give up any and all claim that any use of such material violates any of your rights including moral rights, privacy rights, proprietary or other property rights, publicity rights, rights to credit for material or ideas, or any other right, including the right to approve the way the Company uses such material.

Any material (other than personal data) submitted to this website may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, sold, transmitted or used by the Company anywhere in the world, in any medium, forever.

Password Protection

The Company provides a username and password(s) to the customer to trade through this website and/or links provided through this website. Such username and password(s) is required to be entered by the customer to authenticate the identity of the user while placing orders/reviewing positions/modifying trades/etc. Such password(s) are located in encrypted form on highly secure database. Moreover, these password(s) are available only with the user who can change the same at regular time intervals to ensure further security. Any transaction done through this secure password(s) shall be deemed to be usage and operation done personally by the user and in physically and mentally stable state notwithstanding any loss, theft, hacking, etc. of the password(s); and the Company shall not be required to check the identity of the person(s) operating the account at any point of time or the mental or physical stability of the user.

Identity Protection

The user understands, agrees and assumes fully responsibility for safeguarding and safekeeping of the password(s). The Company will not be liable for any misuse and/or unauthorized use of password(s). The Company does not request/require password(s) of its customers for any reason or under any condition. If the customer receives such a request from any person (either through email, physical mail, phone call, SMS, WhatsApp, Mobile call or any other form of communication) for revealing password(s), the customer should never divulge the password(s) and should inform the Company immediately regarding the same. Furthermore, if the customer believes that the password(s) is compromised then the customer should immediately inform the Company regarding the same through an email to greviances@mangalkeshav.com.

Promotions / Offers / Schemes / Contests

Please note that in case of special offers, promotions or schemes additional terms and conditions of these offers, promotions, schemes or contests will be applicable in addition to these terms and conditions. You might have to adhere to the payment schedule prescribed under such offers, promotions, schemes or contests in order to be eligible to avail benefits under such offers, promotions, schemes or contests. If you fail to make the payment by the due date and/or do not comply with all the terms and conditions of the offer, promotion, scheme or contest you would not be entitled to receive the benefit under such offer, promotion, scheme or contest. The Promotions / Offers / Schemes / Contests can also be discounted at any time without giving any specific notice. Moreover, it is understood that the Company has its clients for across different geographies and certain promotions, products, offers, schemes, contests, may not be applicable to the user based in a particular geography. The Company reserves the right to determine the availability and eligibility for any product, service, promotion, offer, scheme, contest.

Cancellation / Termination

Given the present pandemic situation, many of our staff members are working from home. Hence, presently, account opening may take upto 72 hours (if done manually) after receipt of duly filled and signed account opening form along with all necessary supporting documents. However, if the account is opened through our online portal, the account opening would take a maximum of 24 hours (if there are no queries from the KYC team and if all the pages are properly filled with clear & correct document upload). For account closure, client has to ensure that all outstanding dues are fully paid. Thereafter, you may place the closure request which may take up to 72 hours for processing.

If you wish to cancel an account that you have opened with us, then, please send your cancellation request to our CRM team within 12 hours of the submission of your application with us. On receipt of the cancellation request, the account opening shall not be proceeded with.

Refund Policy

For a refund, please place a refund request with the CRM team within seven days of making the payment, along with the payments details like the Card / Bank Account Number, Transaction Number, etc. Refund shall be provided only for any excess payment of account opening charges made to us during your application process for online account opening after confirmation from the banking partner with respect to receipt of such payment from you. No refund of account opening charges shall be made once the account is opened with us. Once your account is opened any payments made thereafter will be credited towards your account and there shall be no refunds. To withdraw any amount from such account you may place withdrawal request through our mobile trading app i.e. Mangal Trader or through the dealer/ client .exe terminal. If you have opened your account through our Authorized Partner, you need to request your Authorized Partner to place the request on your behalf. You can also write to us at crm@mangalkeshav.com for placing a withdrawal request.