Privacy Policy

Please read the following terms and conditions carefully as it sets out the terms of a legally binding agreement between you (the User) and Anugraha.

1 Privacy Policy and Registration
All information received by us from your registration on or other digital products of Anugraha will be used by Anugraha in accordance with our Privacy Policy. Kindly read the below mentioned details. On registration, we expect you to provide Anugraha with an accurate and complete information of the compulsory fields. We also expect you to keep the information secure, specifically access passwords and payment information. Kindly update the information periodically to keep your account relevant. Anugraha will rely on any information you provide to us. Each registration is for a single user only. On registration, you will choose a user name and password ("ID"). You are not allowed to share your ID or give access to your account to anyone else. Anugraha Premium subscription does not allow multiple users on a network or within an organization to use the same ID. On knowledge, Anugraha may cancel or suspend your access to Anugraha premium services if it comes across you sharing your personal access without further obligation to you. You are responsible for all the use of premium service made by you or anyone else using your ID and for preventing unauthorised use of your ID. If you believe there has been any breach of security such as the disclosure, theft or unauthorised use of your ID or any payment information, you must notify Anugraha immediately by e-mailing us at We recommend that you do not select an obvious user password (such as your name) and that you change it regularly. If you provide Anugraha with an email address that will result in any messages Anugraha may send you being sent to you via a network or device operated or owned by a third party (e.g. your employer or college) then you promise that you are entitled to receive those messages. To ensure email's land in your inbox, you will add the bsmail receipt id to your safe list. You also agree that Anugraha may stop sending messages to you without notifying you.

Payment details:

When you purchase a service from, you must provide us with complete and accurate payment information. By submitting payment details you promise that you are entitled to purchase a subscription using those payment details. If we do not receive payment authorization or any authorization is subsequently cancelled, we may immediately terminate or suspend your access to your purchase. In suspicious circumstances we may contact the issuing bank/payment provider and/or law enforcement authorities or other appropriate third parties. Anugraha will use the services of quality third party payment service providers to process your payment. Payment options are primarily through credit card. Anugraha may offer other payment mechanisms from time to time.

Pricing: The Service price will be made clear to you on our webpage pages or otherwise during the sign-up process and may vary from time to time, by region or by country. You agree to pay the fees at the rates notified to you at the time you purchase your Service. The currency in which your Service is payable will be specified during the order process, depending on the service and your country of residence.

Taxes: Services and access to content services fall under the view of Service Tax as per the current indirect taxation policy, Government of India. Taxes are applicable for consumption of content on the website and other products of Anugraha uniformly for customers based in India and outside the country. Unless otherwise indicated, prices stated on our website are inclusive of applicable Service Tax, any applicable Goods & service tax (GST) or other sales taxes. Pricing errors: If we incorrectly state a price to you whether online or otherwise, we are not obliged to provide you with a service at that price, even if we have mistakenly accepted your offer to buy a Services at that price, and we reserve the right to subsequently notify you of any pricing error. If we do this, you may cancel the service without any obligation to us and we will refund you any money you have paid us in full, or you may pay the correct price. If you refuse to exercise either of these choices then we may cancel your subscription and will refund you any money you have paid us in full. We will always act in good faith in determining whether a genuine pricing error has occurred.

Other costs: In addition to any subscription fees you pay, you are responsible for paying any internet connection or other telecommunications charges that you may incur by accessing the premium services or using the services available on it. For example, if you use any of our mobile services then your network operator may charge you for data or messaging services.

2. Cancellation of Personal Subscriptions
Cancellation Policy For Digital Services by placing your order you agree that we may start your Service immediately upon our accepting your order. This means that you are not entitled to a refund if you change your mind after we have provided you with access to your Services. Except as set out in the previous section, you do not have any right to cancel your Services or any part of it until the end of your then current Services period. Although you may notify us of your intention to cancel at any time, such notice will only take effect at the end of your then current Services period, and you will not receive a refund

How to cancel? You may notify us of your wish to cancel your Services by contacting our Customer Services team at To enable us cancel your subscription please provide us with your complete name (as was in the subscription order form), Email address, Services ID and Contact number clearly written out.

Cancellation by us: Anugraha reserves the right to suspend or terminate your Services if you breach these terms and conditions, with or without notice and without further obligation to you. We may also suspend or terminate your subscription if we are prevented from providing services to you by circumstances beyond our control. If we terminate your subscription for any reason and/or permanently cease publishing, or cease to provide subscription services then, unless there are exceptional circumstances, we will provide you with a pro rata refund to your credit card. This means that we will refund you with any amounts that you have paid us in advance that relate to any remaining and unexpired period of your subscription.

Cancellation of your registration:

If you are not a registered user, then Anugraha reserves the right to suspend or terminate your registration at any time, with or without notice and without further obligation to you. If you would like to cancel your registration then please contact our customer services team at

3. Who Your Personal Services Contract is with
If you buy a digital Services and are resident in any country, then you will be contracting with Anugraha, #668, 2nd block Rajajinagar. Bengaluru - 560010

4. User Generated Content includes interactive features that allow interaction between users and between users and Anugraha. We call the information posted by or contributed by users "User Generated Content" or "UGC". If you wish to view or participate by way of UGC then you must comply with specific rules and guidelines. We also recommend that you read our Comments Guidelines which provide further guidance in relation to commenting on You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with the UGC policy

You further agree that you will: * Only publish UGC that is your original content and will not infringe the copyright or other rights of any third party when publishing UGC. Not post, link to or otherwise publish any UGC containing any form of advertising or promotion for goods and services or any spam or other form of unsolicited communication. * Not post, link to or otherwise publish any UGC with recommendations to buy or not buy a particular share or other investment or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any share or other investment. * Not post, link to or otherwise publish any UGC that is threatening, offensive, libellous, indecent or otherwise unlawful. * Not post comments that are discriminatory in nature, for example, comments which make attacks on the grounds of race, religion, sex, gender, sexual orientation, disability or age. * Respectfully challenge different points of view but not personally attack other commentators. * Not disguise the origin of any UGC and not impersonate any person or entity (including Anugraha employees or Forum guests or hosts) or misrepresent any connection with any person or entity. * Not post or otherwise publish any UGC unrelated to the Forum or the Forum's topic. * Not post or transmit any UGC that contains software viruses, files or code designed to interrupt, destroy or limit the functionality of or any computer software or equipment. * Not collect or store other users personal data. * Not restrict or inhibit any other user from using the Forums. * Comply with the guidelines for commenting set out in our Commenting FAQ. It is not possible for Anugraha to fully monitor all UGC published on but where we have actually received notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights or is potentially in breach of these terms and conditions, then we will review that UGC, decide whether to remove it from and act accordingly. This may include banning a user from participation in UGC on If you believe that any UGC published on infringes any legal rights that you may have or is not allowed under these terms and conditions, please notify us immediately with specific details by contacting us at or

5. Third Party Sites and Services may contain links to other Internet websites or online and mobile services provided by independent third parties, including websites of our advertisers and sponsors (what we call "Third Party Sites"), either directly or through frames. Third Party Sites also include co-branded with Anugraha and so include Anugraha's trade marks. It is your decision whether you purchase or use any third party products or services made available on or via Third Party Sites and you should read Section 9 below carefully. Our Privacy Policy does not apply to Third Party Sites. contains advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on complies with international and national law. Anugraha is not responsible for any error or inaccuracy in advertising, incorrect links or sponsorship material. Copyright in any software that is made available for download from belongs to Anugraha or its suppliers or contributors. Your use of the software is governed by the terms of any licence agreement that may accompany or be included with the software. Do not install or use any of this software unless you agree to such licence agreement. Anugraha is not responsible for any technical or other issues that may happen if you download third party software.

6. Our Responsibilities towards You
A summary of what this section means:
This section is important and you should read it carefully. It makes clear to what extent, if any, Anugraha accepts responsibility (liability) to you for your use of or in respect of any third party products or services that we refer to or advertisements or any other link to on Unless you are a premium user of, we accept no financial responsibility to you arising from your use of or the content, advertisements and links published on If you are a Anugraha premium service user, we limit our financial responsibility to you arising from your use of and/or the Premium Services you consume on to the price you paid for your service. In no circumstances do we accept responsibility for your use of Third Party Sites or services not limited to advertisements, links in respect of any Third Party Products. By Third Party Sites we mean websites, online or mobile services provided by third parties, including websites of advertisers and sponsors that may appear on By Third Party Products we mean products or services provided by third parties. Limitations of content published on All content published on (including any information we publish regarding Third Party Products) is only for your general information and entertainment purposes and is not intended to address your particular requirements. In particular, Content created by Anugraha, its syndication partners and including UGC and any other content provided by third parties and distributed by, does not constitute any form of advice, recommendation, representation, endorsement or arrangement by Anugraha. It is not intended to be and should not be relied upon by users in making (or refraining from making) any specific investment, purchase, sale or other decisions. Appropriate independent advice should be obtained before making any such decision, such as from a qualified financial adviser. Any agreements, transactions or other arrangements made between you and any third party named on (or linked to from) are at your own responsibility and entered into at your own risk. Any information that you receive via, whether or not it is classified as "real time", may have stopped being current by the time it reaches you. Share price information may be rounded up/down and therefore may not be entirely accurate. What we promise: Anugraha promises to develop and operate with reasonable skill and care and will use reasonable efforts to promptly remedy any faults of which it is aware or made aware of. What we do not promise: Anugraha does not provide any promises or warranties other than defined above. The content is provided on an "as is" and "as available" basis. While the content creation team and its partners from whom content is syndicated make the best of their efforts to put together accurate, complete and authentic content, Anugraha and does not make any promises in respect of content published on its website and/or the services and functions available on or through or of the quality, completeness or accuracy of the information published on or linked to from other than as expressly stated above. The above disclaimers apply to your use of Without limiting the above, Anugraha is not liable for matters beyond its reasonable control. Anugraha does not control third party communications networks (including your internet service provider), the internet, acts of god or the acts of third parties. Our financial responsibility to you: You agree that if we are in breach of these terms and conditions, we will only be responsible to you for any damages that you incur arising out of your use of (to the extent that Anugraha's liability is not otherwise excluded by this section 9) as follows: If you incur any loss as a result of using or any Content outside the scope of these terms and conditions, Anugraha accepts no responsibility (liability) to you for this. You will be responsible for all claims, liabilities, damages, cost and expenses suffered or incurred as a result of your breach of these terms and conditions. Anugraha will only be responsible for loss or damage you suffer which is the reasonably foreseeable result of Business-Standard's breach of a legal duty of care owed to you. Anugraha will not be responsible to you for any loss or damage suffered by your business, such as lost data, lost profits or any business interruption. The limitations of liability apply for the benefit of Anugraha, its affiliates, and all of their respective officers, directors, employees, agents or any company who we transfer our rights and obligations to in accordance with these terms and conditions. To the full extent permitted by law you acknowledge and agree that our third party content and data suppliers have no liability whatsoever to you in respect of any of their data supplied to you as part of Anugraha's liability will not be limited in the case of death or personal injury directly caused by Anugraha's negligence in those countries where it is unlawful for Anugraha to seek to exclude such liability.

`Anugraha` - #668, 20th Cross, 2nd Block Rajajinagar, Bengaluru - 10