The following terms and conditions govern all users of the www.prognoadvisor.com website and all content, services and products available at or through our website. The Website is owned and operated by Progno Financial Planning Systems Pvt Ltd, hereinafter referred to as "Progno".

1) Notice

By accessing and using Progno's website (http://www.prognoadvisor.com /) or by downloading materials from Progno website or using any of the services we offer, you agree to abide by the terms and conditions of use detailed below. If you do not agree to be bound by these terms and conditions of use, please refrain from using Progno website.

2) Use Of The Site

References to "we", "us" or "our" throughout this Website (‘the Site’) pertains to Progno which operates the Site. We reserve the right to modify these terms and conditions from time to time without any prior notice, after which the use of our website will be governed by that revised version. You are hence, recommended to check the terms and conditions on the website regularly. Keep in mind that use of Progno’s services is also subject to, and controlled by, the Agreement subscribed to by the User; and the use of the website is also subject to the Privacy Policy notified on the website. The services on our website are offered subject to your acceptance without modification of all the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Progno’s Privacy Policy). The financial diagnosis is prepared based on the information provided by you and on certain assumptions which could be linked to the information provided. Incomplete, incorrect and / or not providing of data and/ or providing of incomplete data could lead to a diagnostic report being prepared in context to the data submitted. This could be in contrast to the financial diagnosis which would have been prepared had all the data been correctly provided. Progno will not be held responsible for diagnosis prepared on incorrect data and it is the customers endeavour to see that complete accurate data is provided. Any change to data submitted for financial diagnosis will result in a change to the diagnosis. If you want to enter any additional data after submission for diagnosis, the company has a right to charge you a predetermined amount in order to rework the diagnosis. Investment products do not pertain to Progno and are not obliged by or guaranteed by Progno or any of its associates or subsidiaries. Investment products are subject to investment risks, including the loss of the principal amount invested. Past performance is not indicative of future results. Prices / invested sum are subject to market risks which may result in appreciation or depreciation. The ownership of any investment decision(s) shall exclusively vest with the user after analysing all possible risk factors and by exercise of his/ her/its independent discretion and Progno shall not be held liable for any consequences thereof. There is no charge imposed by us for accessing the Site but you are liable to pay the cost of the communications link you used to visit the Site. Access to the Site may be suspended, restricted or terminated any time. We cannot guarantee that the Site will be error-free and we are not to be held liable for unavailability of the same. The content of the pages on the website are for general information and use only. It is subject to change without notice. Neither Progno nor any third party provides any warranty or guarantee to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on the website for any particular purpose. Progno shall not be in any way liable for any inaccuracy, error, defect or fault related to the information and materials found or offered on the website. Use of any information or materials on the website is entirely at User’s own risk, for which Progno shall not be liable. It shall be User’s own responsibility to ensure that any product, service or information available through the website meets the User’s requirements. Unauthorised use of the website may give rise to claim for damages and/or it will be a criminal offence punishable under the applicable penal law.

3) Links to other websites

Progno makes no representation of any other websites that you may access through Progno's website or which may be linked to Progno's website. We are not responsible for the privacy practices of other websites linked from Progno's website. Users are required to read the privacy policies or statements of other such websites they visit. Any concern regarding any external link should be directed to the website administrator of the site concerned.

4) Intellectual Property

All rights related to the Site design, text, graphics and other content, the selection and arrangements are licensed to Progno. The content of this website is protected by international copyright laws and other intellectual property rights. All company names and logos mentioned in this website are the trademarks, service-marks or trading names of their respective owners, including us. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute by any means or in any manner, any material or information on the website or downloaded from this website including but not limited to text, graphics, video, messages, code and/or software without our prior written consent, except where expressly invited to do so. Progno respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us by e-mail at fp@progno.co.in

5) Advertising & Sponsorship

The Site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion in the Site complies with international and national laws. We will not be held responsible for any error or inaccuracy in advertising material.

6) Confidentiality

We understand the importance of confidentiality to the successful planning, establishment and running of your business. Therefore, we will not use, divulge or communicate to any person, except as may be required by law or any legal or regulatory authority, any confidential information concerning the business or affairs of any customer, prospective customer, or supplier of Progno, or any of our international distributors. All of us shall endeavour our best to prevent the publication or disclosure of any confidential information concerning such matters.

7) Applicability Of Materials

We have done our best to ensure that our website complies with international laws. However, we make no representations that the materials on our website are appropriate or available for use in all international locations. Those who visit our website from other locations do so, on their own initiative and are responsible to comply with all applicable laws. If you use our website, browse it or use any material or content or services offered through our website violating any applicable law in your jurisdiction(s), you are not authorised to view or use our website and you must exit immediately.

8) Access To Password Protected Areas

Access to and use of specific areas of this website requiring a password is restricted to authorised users only. These areas are regulated by a separate legal agreement between Progno and the user. Unauthorised access will be prosecuted.

9) User Information

We encourage feedback on how to improve this website. Feedback may be e-mailed to fp@progno.co.in. Any feedback hence received shall be deemed to be non-confidential and Progno has the right to use such information in any way we deem to be fit. Users therefore agree that any information provided to us shall not contain defamatory, offensive, threatening, obscene, harassing, infringing or otherwise unlawful material or proprietary material. We shall not be held liable for any such material and we reserve the exclusive rights to remove it from the website without liability.

10) Disabling Devices

If the user wants to post any content on the website, he/she should refrain from uploading any posting or postings which contain any viruses or other contaminating or destructive devices. We strive to ensure that our website is free from any such viruses/ devices or features but we give no warranty to that effect and will accept no liability whatsoever for any loss or damage suffered by the user.

11) Governing Law

Use of this website and any dispute arising out of its use are subject to the laws of State of Kerala in India. Any legal action or proceedings related to or arising out of this Terms and Conditions shall be settled in the courts and/or tribunals in Cochin in the State of Kerala in India.