TERMS AND CONDITIONS: As used herein, Padmaa Group means Padmaa Group, its subsidiaries, partners and affiliates. The Padmaa Group Web sites are comprised of various sites operated by Padmaa Group and its affiliates (collectively, the "Site"). By accessing this Site, you are indicating that you have read, acknowledge and agree to be bound by these Terms of Use. Padmaa Group reserves the right in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Site and to change these Terms of Use at any time.

NO UNAUTHORIZED USE: Unauthorized use of the Padmaa Group Site and systems, including, but not limited to, unauthorized entry into Padmaa Group's systems, misuse of passwords or any other information is strictly prohibited. You agree that you will not engage in any activities related to this Site that are contrary to all applicable laws and regulations.

TRADEMARK AND COPYRIGHT NOTICES: The material contained on padmaagroup.com and all affiliated sites, including all portions of this Site, content, site design, text, names, logos, graphics, and the selection and arrangement thereof are, unless otherwise specified, copyright, Padmaa Group, and are protected by U.S. and international copyright laws. All rights reserved

LINKS TO OTHER SITES: This Site contains links to third-party Web sites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Padmaa Group of any information contained in any third-party Web site. In no event shall Padmaa Group be responsible for the information contained on that site or your use of or inability to use such site. The terms and conditions of the third-party site, including the site's privacy policy, may be different from those applicable to this Site.

LIMITATION OF LIABILITY: Padmaa Group does not warrant the quality, accuracy or completeness of any information contained on this Site; such information is provided on an "as is," "where is," and "where available," basis without warranty or condition of any kind. No endorsement of any third-party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Site.

NOT A SOLICITATION: This Site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or to provide any investment advice or service which may be referenced herein. The information and services provided on this Site are not provided to and may not be used by any person or entity in any jurisdiction or country where the provision or use thereof would be contrary to applicable laws, or where the use of such information would subject Padmaa Group and its affiliates to any registration requirement within such jurisdiction or country. Some products and services described in this Site may not be available in all jurisdictions or to all clients. These Terms of Use shall be governed by and construed in accordance with the laws of the United States of America and the laws of India applicable therein, and any action or proceeding arising out of or related to this Agreement or the Site must be brought in the courts of the United States of America.