Terms and Conditions

Terms and Conditions of use of the Goldchip SMEs Network website hereinafter individually referred to as “Website”

These terms and conditions detail how the Website can be used. If you use the Website you agree to be bound by these terms and conditions.

GENERAL

Any applicant who fulfills the prescribed criteria of Goldchip shall be selected for Privilege Membership. The rating criterion is at the sole discretion of the company.

Those applicants who do not qualify for privilege membership could be selected for client membership.

Goldchip shall empanel select consultants at its discretion.

Access to the Website and content

We will endeavor to allow our privileged members and clients’ uninterrupted access to the Website, but access to the Website can be suspended, restricted or terminated at any time without giving any notice. We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time. We assume no responsibility for the content or services of any other to or from which the Website has links.

Intellectual Property

The copyright and all other intellectual property rights in the material contained in the Website, together with the Website design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belongs to us.

We own all rights in the Website and all the contents of the Website. You grant us a worldwide, royalty-free, non-terminable license to use, keep, share, save, collect, copy, distribute, publish and transmit such data in any manner as we deem fit within our privacy policy.

Nothing within any of the Website is, or shall be deemed to constitute, financial or other advice or a recommendation to purchase any product or service. Any and all information provided within the Website is for general information purposes only. We strongly advise that independent professional advice be obtained before you purchase any product and/or service via Website.

You grant Goldchip a nonexclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sublicense able, fully paid up and royalty-free right to us to copy, prepare derivative works of, improve, distribute, publish, remove, retain, add, process, analyze, use and commercialize, in any way now known or in the future discovered, any information you provide, directly or indirectly to Goldchip, including, but not limited to, any user generated content, ideas, concepts, techniques and/or data to the services, you submit to Goldchip, without any further consent, notice and/or compensation to you or to any third parties. Any information you submit to us is at your own risk of loss. By providing information to us, you represent and warrant that you are entitled to submit the information and that the information is accurate, not confidential, and not in violation of any contractual restrictions or other third party rights. It is your responsibility to keep your Goldchip profile information accurate and updated.

Your Membership& Empanelment

The profile you create on Goldchip will become part of Goldchip and except for the information that you license to us is owned by Goldchip. However, between you and others, your account belongs to you. You agree to: (1) keep your password secure and confidential; (2) not permit others to use your account; (3) not use other’s accounts; (4) not sell, trade, or transfer your Goldchip account to another party; and (5) not charge anyone for access to any portion of Goldchip, or any information therein. Further, you are responsible for anything that happens through your account until you close down your account.

Indemnification

You agree to indemnify us and hold us harmless for all damages, losses and costs (including, but not limited to, reasonable attorneys’ fees and costs) related to all third party claims, charges, and investigations, caused by (1) your failure to comply with this Agreement, including, without limitation, your submission of content that violates third party rights or applicable laws, (2) any content you submit to the Services, and (3) any activity in which you engage on or through Goldchip.

Payment

If you purchase any services that we offer for a fee, either on a one-time, annual or subscription basis (“privileged membership”, “client membership” or “journal subscription”), you agree to Goldchip storing your payment information. You also agree to pay the applicable fees for the Privilege Membership Services (including, without limitation, periodic fees for premium accounts) as they become due plus all related taxes, and to reimburse us for all collection costs and interest for any overdue amounts. Failure to pay may result in the termination of your membership or subscription. All applicable taxes are calculated based on the billing information you provide us at the time of purchase. You may cancel or suspend your Privilege Membership Services here. You also acknowledge that Goldchip’s Privilege Membership Services are subject to this Agreement and any additional terms related to the provision of the Privilege Membership Service.

Notifications and Service Messages

For purposes of service messages and notices about the Services, Goldchip may place a banner notice across its pages to alert you to certain changes. Alternatively, notice may consist of an email from Goldchip to an email address associated with your account, even if we have other contact information. You also agree that Goldchip may communicate with you through your Goldchip account or through other means including email, mobile number, telephone, or delivery services including the postal service about your Goldchip account or services associated with Goldchip. You acknowledge and agree that we shall have no liability associated with or arising from your failure to do so maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about the Service.

Privacy

You should carefully read our full privacy policy before using Goldchip as it is hereby incorporated into this Agreement by reference, and governs our treatment of any information, including personally identifiable information you submit to us. Please note that certain information, statements, data, and content (such as financial statements) which you may submit to Goldchip, or groups you choose to join might, or are likely to, reveal information about you. You acknowledge that your submission of any information, statements, data, and content to us is voluntary on your part and that Goldchip may process such information, within the terms of the Privacy Policy.

We may change or discontinue Services, and in such case, we do not promise to keep showing or storing your information and materials.

For as long as Goldchip continues to offer the Services, Goldchip shall provide and seek to update, improve and expand the Services. As a result, we allow you to access Goldchip as it may exist and be available on any given day and we have no other obligations, except as expressly stated in this Agreement. We may modify, replace, refuse access to, suspend or discontinue Goldchip, partially or entirely, or change and modify prices prospectively for all or part of the Services for you or for all our Members in our sole discretion. All of these changes shall be effective upon their posting on Goldchip or by direct communication to you unless otherwise noted. Goldchip further reserves the right to withhold, remove or discard any content available as part of your account, with or without notice if deemed by Goldchip to be contrary to this Agreement. For avoidance of doubt, Goldchip has no obligation to store, maintain or provide you a copy of any content that you or other Members provide when using the Services.

Third Party Sites and Developers

Goldchip may include links to third party web sites (“Third Party Sites”) on www.goldchipsmesnetwork.com, and elsewhere. Goldchip also enables third party developers (“Platform Developers”) to create applications (“Platform Applications”) that provide features and functionality using data and developer tools. You should review any applicable terms or privacy policy of a Third Party Site or Platform Application before using it or sharing any information with it, because you may give the third-party permission to use your information in ways we would not. Goldchip is not responsible for and does not endorse any features, content, advertising, products or other materials on or available from Third Party Sites or Platform Applications. Goldchip also does not screen, audit, or endorse Platform Applications. Accordingly, if you decide to use Third Party Sites or use Platform Applications, you do so at your own risk and agree that your use of any Platform Application is on an “as-is” basis without any warranty as to the Platform Developer’s actions, and that this Agreement does not apply to your use of any Third Party Site or Developer Application.

Disclosure of User Information

You acknowledge, consent and agree that we may access, preserve, and disclose your registration and any other information you provide in accordance with the terms of the Privacy Policy if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary in our opinion to: (1) comply with legal process, including, but not limited to, civil and criminal matters, court orders or other compulsory disclosures; (2) enforce this Agreement; (3) respond to claims of a violation of the rights of third parties, whether or not the third party is a Member, individual, or government agency; (4) respond to customer service inquiries; or (5) protect the rights, property, or personal safety of Goldchip, our Members or the public. Disclosures of Member information to third parties other than those required to provide customer support, administer this agreement, or comply with legal requirements are addressed in the privacy policy

Mutual rights of termination

You may terminate this Agreement, for any or no reason, at any time, with notice to Goldchip. This notice will be effective upon Goldchip processing your notice. Goldchip may terminate this Agreement and your account for any reason or no reason, at any time, with or without notice. This cancellation shall be effective immediately or as may be specified in the notice. For avoidance of doubt, only Goldchip or the party paying for the services may terminate your access to any Premium Services. Termination of your Goldchip account includes disabling your access to Goldchip and may also bar you from any future use of Goldchip.

Misuse of the Services

Goldchip may restrict, suspend or terminate the account of any Member who abuses or misuses the Services. Misuse of the Services includes inviting other Members with whom you do not know to connect; abusing the Goldchip services; using the Services commercially without Goldchip’s authorization, infringing any intellectual property rights, violating any of the Do’s and Don’ts listed below, or any other behavior that Goldchip, in its sole discretion, deems contrary to its purpose.

Effect of Termination

Upon termination of your Goldchip account, you lose access to the Services.

Do undertake the following:

  • Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements;

  • Provide accurate information to us and update it as necessary;

  • Review and comply with our privacy policy;

  • Review and comply with notices sent by Goldchip concerning the Services;

  • Use the Services in a professional manner; and

  • Use your real name on your profile.

  • Don’t undertake the following:

  • Act dishonestly or unprofessionally by engaging in unprofessional behavior by posting inappropriate, inaccurate, or objectionable content to Goldchip;

  • Publish inaccurate information in the designated fields on the profile form (e.g., do not include a link or an email address in the name field). Please also protect sensitive personal information such as your email address, phone number, street address, or other information that is confidential in nature;

  • Create a Member profile for anyone other than a natural person;

  • Harass, abuse or harm another person, including sending unwelcomed communications to others using Goldchip;

  • Use or attempt to use another’s account or create a false identity on Goldchip;

  • Post, email, transmit or otherwise make available or initiate any content that:

    • Falsely states, impersonates or otherwise misrepresents your identity, including but not limited to the use of a pseudonym, or misrepresenting your current or previous positions and qualifications, or misrepresents your affiliations with a person or entity, past or present;

    • Is unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable;

    • Adds to a content field content that is not intended for such field (e.g. submitting a telephone number in the “title” or any other field, or including telephone numbers, email addresses, street addresses or any personally identifiable information for which there is not a field provided by Goldchip);

    • Includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

    • Infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights;

    • Includes any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation. This prohibition includes but is not limited to (a) using Goldchip invitations to send messages to people who don’t know you or who are unlikely to recognize you as a known contact; (b) using Goldchip to connect to people who don’t know you and then sending unsolicited promotional messages to those direct connections without their permission; and (c) sending messages to distribution lists, newsgroup aliases, or group aliases;

    • Contains software viruses, worms, or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment of Goldchip or any user of Goldchip;

    • Forges headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the Services; or

    • Even if it is legal where you are located, create profiles or provide content that promotes escort services or prostitution.

  • Participate, directly or indirectly, in the setting up or development of a network that seeks to implement practices that are similar to sales by network or the recruitment of independent home salespeople for the purposes of creating a pyramid scheme or other similar practices;

  • Duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found on Goldchip (excluding content submitted by you) except as permitted in this Agreement, or as expressly authorized by Goldchip;

  • Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof;

  • Utilize or copy information, content or any data you view on or obtain from Goldchip to provide any service that is competitive, in Goldchip’s sole discretion, with Goldchip;

  • Imply or state, directly or indirectly, that you are affiliated with or endorsed by Goldchip unless you have entered into a written agreement with Goldchip (this includes, but is not limited to, representing yourself as an accredited Goldchip trainer if you have not been certified by Goldchip as such);

  • Adapt, modify or create derivative works based on Goldchip or technology underlying the Services, or other Members’ content, in whole or part, except as permitted under Goldchip’s developer program;

  • Rent, lease, loan, trade, sell/re-sell access to Goldchip or any information therein, or the equivalent, in whole or part;

  • Sell, sponsor, or otherwise monetize a Goldchip Group or any other service or functionality of Goldchip, without the express written permission of Goldchip;

  • Remove, cover or otherwise obscure any form of advertisement included on Goldchip;

  • Collect, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from Goldchip except as expressly permitted in this Agreement or as the owner of such information may expressly permit;

  • Share information of non- Members without their express consent;

  • Infringe or use Goldchip’s brand, logos or trademarks, including, without limitation, using the word “Goldchip” in any business name, email, or URL or including Goldchip’s trademarks and logos except as provided or as expressly permitted by Goldchip;

  • Use manual or automated software, devices, scripts robots, other means or processes to access, “scrape,” “crawl” or “spider” any web pages or other services contained in the site;

  • Use bots or other automated methods to access Goldchip, add or download contacts, send or redirect messages, or perform other similar activities through Goldchip, unless explicitly permitted by Goldchip;

  • Access, via automated or manual means or processes, Goldchip for purposes of monitoring Goldchip’s availability, performance or functionality for any competitive purpose;

  • Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of Goldchip’s website;

  • Attempt to or actually override any security component included in or underlying Goldchip;

  • Engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on Goldchip’s infrastructure, including, but not limited to, sending unsolicited communications to other Members or Goldchip personnel, attempting to gain unauthorized access to Goldchip, or transmitting or activating computer viruses through or on Goldchip; and/or

  • Interfere or disrupt or game Goldchip or the Services, including, but not limited to, any servers or networks connected to Goldchip.

Membership & Empanelment

We reserve the exclusive rights to grant membership to our clients in order to avail of the services which we provide. A membership can be refused without citing any reason. It can also be terminated in the midst if it is believed by us that the member is acting against the interest of the company.

Similarly selecting consultants for empanelment is at the discretion of the company. An empaneled consultant may be terminated from his empanelment if the company believes that he/she is not performing his job in the best possible manner or that he/she is acting against the interest of the company.

Exclusions of liability

We use reasonable endeavours to ensure that the data, material and information on the Website are accurate. We will also endeavour to correct any errors or omissions as soon as practicable after being notified of them. However, we are not responsible in any way if the data, material and information on the Website are found to be inaccurate or if there are any errors or omissions in the data, material and information.

We do not monitor, verify or endorse data, material and information submitted or provided by third parties, which is included on the Website, and you should be aware that such information may be inaccurate, incomplete or out of date. In particular, we do not monitor, verify or endorse the information or quotations collected from the product and service providers as presented to you on the Website. We are not responsible for any data, material or information included on the Website, which has been provided by third parties.

We are not responsible for any losses or damages arising from an inability to access the Website, from any use of the Website or from reliance on the data transmitted using the Website where such losses or damages are caused by any event beyond our reasonable control including as a result of the nature of electronic transmission of data over the internet. We are not responsible or liable for any indirect losses or damages suffered or incurred by you or for any losses or damages suffered or incurred by you which were not foreseeable by us when you accessed or used the Website.

Exclusion of liability for third party providers products and services

You can apply for and buy a number of products and services via the Website. It is specifically clarified that we provide none of the products and services that appear on the Website. All these products and services are provided by third parties over whom we do not have control. You should satisfy yourself that you wish to purchase those products or services before contracting with the third parties. We are not responsible for any products or services or information provided by third party providers.

You should exercise due caution to ensure your interests. Do not handover any cash. Get all promises on terms and conditions in writing on a letterhead. Get the visiting card of the person visiting you and check out that the landlines numbers mentioned on the card are correct. Most advertisers are unable to return documents in case your proposal is not accepted. If this is an issue with you, please get a promise to return your documents in writing in the event of your proposal is not accepted for any reason.

Any transactions relating to sale/purchase of goods or services not directly offered by us are 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 Us.

We merely endeavor to provide a platform where you and other party may interact, exchange information or carry out any transactions on such terms and in the manner mutually agreed between you and the other party. We do not have any involvement in the actual transactions between the buyers and sellers of any product and service. It is only you, who is entirely responsible for all the activities, arising out of the transactions of goods or services offered by any other party and not us. We will not be liable for any loss that you may incur, while selling or purchasing goods /services of the third party.

Advertisements

The advertisements that you see displayed on this Website are delivered on our behalf by a third party.

You have chosen the advertisers to whom your details will be referred. These parties are independent 3rd parties and we have no control over their functioning

We act in good faith in providing a comparison service and allowing advertisers to advertise on it. We disclaim all liability and responsibility for the conduct of advertisers using our site to advertise their services. We are not responsible for their services advertised on this site. Users should carry out appropriate checks before engaging them for any services and be confident of their integrity and have proper contact details for the advertiser (not just their mobile number). If in doubt do not engage their services. This site disclaims without exception all liability for all Advertisements. Furthermore no advertiser is an associate of this site and we do not act as an agent for any advertiser and where a dispute arises between parties, you undertake to resolve it independently of this site and accept that this site will not mediate in any dispute between parties.

Your obligations You warrant that you have taken all reasonable precautions to ensure that any data you submit to the Website is true and accurate. You warrant that all information provided on registration on the Website and otherwise provided by you on this site shall be true, complete and accurate.

Your telephone calls

Telephone calls that you make to our customer service help line on the numbers mention in the contact us section of the Website or calls made by our support desk may be monitored or recorded. This will help us to train our staff and improve our service to you. A recording will only be used under proper and careful supervision. Our customer service help line is available on the times notified in the contact us section of the Website Your telecom provider will charge you at local rates for calls made to non 1-800 numbers.

Complaints

Our aim at all times is to provide you with an excellent service. However, if you are unhappy with our service for any reason, please contact our Customer Operations Team by telephone numbers or email address provided in the contact us section of the Website.

Data protection

We are committed to protecting your privacy. Our privacy practices are set out in our Privacy Policy

Guidance Notes The following sections form part of the terms and conditions and provide more specific guidance on certain products and services

We may receive fees from certain insurers, bankers, vendors or agents/distributors/brokers who advertise on or are linked to the Website. We retain the above fees so received

Please be aware that it is very important that before you avail of any loan, finance arrangement you carefully read the terms of the loan or finance arrangement (hereinafter referred as loan), the bankers terms and conditions and any other relevant documentation, which applies to the loan. We will endeavor to give you enough information so that you can make an informed decision about your loan but you should not rely solely on the information provided by our finance channel. You must familiarize yourself with all the details of the loan, for example, the restrictions, exclusions, conditions and obligations which apply to the loan. You must ensure that the loan matches your requirements and that you agree to the terms of the loan before you accept it. We accept no responsibility whatsoever in the event that any loan availed by you does not meet your requirements. Bankers and institutions will use the information you provide to them to calculate their ratings and interest. It is your responsibility to ensure that such information and all other information you provide to the bankers and institutions is complete, accurate,timely and not misleading.

Material Procurement

We help identify vendors for material procurement so that the members may get a better deal. It is the your sole responsibility to understand the terms and conditions of the concerned vendor before you enter into a contract with them. We do not take any responsibility for any dispute or loss which arises or may arise to any party by way of entering into such a contract. It is your responsibility to ensure that the entire contract is carried out in a and feasible manner and in consonance with the terms of such a contract.

Support

We analyze the information provided by you.This should not be construed as a financial or a social audit. We are not acting as watchdogs to inform you of any untoward transactions nor are we supposed to give you any early warning signals. We are not obliged to report any matter to you. We are only analyzing your information in our endeavor to give you a better deal, which you may use at your own risk and discretion only. We do not take any responsibility for any loss whether financial or otherwise which you may incur on acting on our suggestions.

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