Terms of Use

Terms of Use  

 

Overview
LnD Pool portal and its affiliated sites (collectively, the “Site/portal”) are owned by Verkenner Business Associates Pvt. Ltd (“LnD Pool”, the “Company”, “we”, or “us”). Access to and use of the Site is subject to these terms and conditions of use (“Terms of Use”). “You” mean and include all users of the portal including Members/Clients/ Individuals and Corporates/ Institutions. The definitions of this terms of use shall be read in conjunction with the Privacy policy and to those which definitions are not given, the generic usage meaning has to be taken.

 

By signing into the LnD Pool site you agree to the below terms and conditions:-

  • “Site”, “Portal” or “LnD Pool” shall include any information or services made available by LnD Pool, regardless of the medium, and shall include, without limitation any affiliated websites, mobile applications, videos, products and applications we make available. We reserve the right at any time, and from time to time, to modify, suspend or discontinue (temporarily or permanently) the Portal, or any part of the Portal, with or without notice.
  • The Portal is not intended for kids/minors.
  • We shall not publish any materials or contents which are harmful or misleading to the general public, regarding banking, finance or insurance.
  • The contents in the Portal shall be, as far as possible, based on facts and information from rightful sources and shall not be political oriented or having vexes intentions.
  • If any user finds the information provided through the Portal not aligned to their outlook, ideology or beliefs, that is not intentional on our part.
  • The advices/ opinions given in the Portal/ as well as by the Members in the sessions shall be based on generic and public scenario and it is always susceptible for exceptions. And if anyone or any group fall in such exceptions, and is affected adversely by following such advices or opinions, the portal shall not be held liable for the cause and consequences. The user alone shall be responsible for risk in accepting the such advices/opinion. It is warranted to use such opinion/ advices based individual circumstances based on expert advice.
  • The Organisation availing the services of the Portal should provide their details of organisations, the needs of the Clients/organisation.
  • The portal shall not be responsible for the misidentified training needs or wrong selection of the Members by the Organisations.
  • The Portal is only providing a platform for the organisations/ individuals/ institutions and the Members/coaches/advisers to meet, select and avail the services.
  • The portal shall not be responsible if the Trainer provide tall claims. The Portal does not assure the competency of the Members.
  • The Organisations/ institutions/ individuals can report a Trainer/Coach to the Portal if found unsatisfactory or non-competent. Once we receive such a feed back we shall conduct an enquiry and if found the complaint/ feed back relevant shall remove such Members from our portal.
  • The Clients are mandated to pay the Members through the portal alone. The portal shall not be responsible for any payments done out side the portal to the Member.
  • The Members shall not provide the same content offered through the Portal to anyone outside the Portal in any form or manner. If it is brought to the notice of the Portal then the Trainer shall provide Rs. 50,000/- as compensation to the portal.
  • The portal shall facilitate online and offline trainings. While all efforts will be made to ensure the best of service, the portal shall not be held responsible for the quality of the transmission, content or way of presentation of the Trainer and/or the behaviour of the Clients.
  • The Trainer / Clients may exchange their credentials or personal data on their own responsibility and the Portal shall not be held accountable for the cause and consequences.
  • In the event of onsite training or person to person training, it is the responsibility of the Clients to arrange the venue, security and the transportation / accommodation, if any, of the Trainer.
  • The content shared by the Members should not be used by the Clients without authorisation.
  • The Commercial terms shall be signed separately with each clients/ customers/ Members/ Clients individually.
  • The Portal shall not be responsible for the security of any insider information shared on our portal or shared directly to the Trainer by the Clients or vice versa.
  • It will be at the risk of the Members and Clients to share their confidential information on any platform, virtual or physical, related to the Portal.
  • LnD Pool reserves the right to modify the terms of use at our discretion.
  • Privacy Policy contains further information about how data is collected, used and made available on or by our Site. It is made part of these terms of usage. Privacy Policy is given on the portal.

 

LnD Pool Intellectual Property
Your Limited License to our Intellectual Property
The materials used and displayed on the Portal, including but not limited to text, software, photographs, graphics, illustrations and artwork, video, music and sound, and names, logos, trademarks and service marks, are the property of LnD Pool, or its affiliates or licensors and are protected by copyright, trademark and other laws. Any such content may be used solely for your personal, non-commercial use. You agree not to modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material without the written permission of LnD Pool. LnD Pool grants you a personal, non-exclusive, non-transferable, revocable license to use the Site and any materials on the site for non-commercial purposes subject to these Terms of Use.

 

LnD Pool Trademarks and Logos
The terms LnD Pool, Verkenner Business Associates including its trademarks and services marks, and associated logos and all related names, logos, product and service names, designs and slogans are Intellectual Property of LnD Pool or its affiliates or licensors. You may not use such marks without the prior written permission of LnD Pool. All other names, logos, product and service names, designs and slogans on the Site are the intellectual property of their respective owners.

 

Reliance on Information on Site
We have no obligation to, and you should not expect us to, review content on our Site, including User Contributions/ Members/ Clients (defined below) or contributions by our independent contributors/ Clients.

 

About our Content of the site
The contents in our site include.
1. Writeups on the Banking , financial service or insurance (BFSI) scenario changes and evaluations.
2. The videos or photos or statistics related to BFSI sector.
3. The information or explanations to the users or beneficiaries.
4. Predictions related to BFSI sector
5. Explanations to Govt. Policies on BFSI Sector.
You should use your prudence to identify the relevant content suitable for you

 

Prohibited Uses of the Site
You may use the Site only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Site:

  • In any way that violates any applicable state, local or international law or regulation.
  • For the purpose of exploiting, harming or attempting to exploit or harm any third party
  • To collect insider information from another user or to publish insider information of third parties.
  • To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter” or “spam” or any other similar solicitation.
  • To impersonate or attempt to impersonate LnD Pool, a LnD Pool employee, another user or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which, as determined by us, may harm LnD Pool or users of the Site or expose them to liability.

Additionally, you agree not to:

  • “Scrape” or disaggregate data from the Site (whether by manual or automated means) for any commercial, marketing, or data compiling or enhancing purpose.
  • Introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer or database connected to the Site.
  • Otherwise attempt to interfere with the proper working of the Site.

Content That You Make Available on the Site

 

User Contributions
The Site may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards and other interactive features (collectively, “Interactive Services”) that allow users to post, submit, publish, display or transmit to other users or other persons (hereinafter, “post”) content or materials (collectively, “User Contributions”) on or through the Site.
If you voluntarily disclose personal information (e.g., user name, email address) on the Site, such as on a forum, chat room or on any other user or member-generated pages, that information can be viewed in search engines, collected and used by others and may result in unsolicited contact from other parties. We advise that you not post any personal or other sensitive information on our Site.
Any User Contribution you post to the Site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Site, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors and
assigns the right to use, reproduce, modify, perform, display, distribute and otherwise disclose to third parties any such material for any purpose.

 

You represent and warrant that:

  • You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors and assigns.
  • All of your User Contributions do and will comply with these Terms of Use.

You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the us/portal, have full responsibility for such content, including its legality, reliability, accuracy and appropriateness. We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions posted by you or any other user of the Site.

 

Monitoring and Enforcement; Termination
We have the right to:

  • Remove or refuse to post any User Contributions for any or no reason in our sole discretion.
  • Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the content standards below, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Site or the public or could create liability for the Company.
  • Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
  • Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site.
  • Terminate or suspend your access to all or part of the Site for any or no reason, including without limitation, any violation of these Terms of Use.
    Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information related to anyone posting any materials on or through the Site. YOU WAIVE AND HOLD HARMLESS THE PORTAL/ COMPANY AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER THE COMPANY/SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

However, we cannot and do not undertake to review all material before it is posted on the Site, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have no liability or responsibility to anyone for performance or non-performance of the activities described in this section.

 

Content Standards

These content standards apply to any and all User Contributions and use of Interactive
Services. User Contributions must in their entirety comply with all applicable state, local and international laws and regulations. Without limiting the foregoing, User Contributions must not:

  • Contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable.
  • Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
  • Infringe any patent, trademark, trade secret, copyright or other intellectual property or other rights of any other person.
  • Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy.
  • Be likely to deceive any person.
  • Promote any illegal activity, or advocate, promote or assist any unlawful act.
  • Cause annoyance, inconvenience or needless anxiety or be likely to upset, harass, embarrass, alarm or annoy any other person.
  • Impersonate any person, or misrepresent your identity or affiliation with any person or organization.
  • Promote commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter or advertising.
  • Give the impression that they emanate from or are endorsed by us or any other person or entity, if that is not the case.

 

REFUND POLICY

Course/ seminar/ Project fees once collected by LnD Pool shall not be refunded as a general policy, for whatsoever reason except for the reasons mentioned below: –

  1. Wrong payment or Excess payment- If a student or beneficiary has paid LnDPool for wrong enrolment, the amount shall be adjusted to the correct enrolment or refunded to the student or beneficiary, if the mistake is intimated to LnDPool in writing within 7 days of such mistake. Such refund shall be subject to strict scrutiny from LnDPool and shall be at the sole discretion of LnD Pool management.
  2. Referral bonus: – If any student/ beneficiary is eligible for any referral bonus from LnD Pool, we shall provide the same on a case-to-case basis and as per the special announcement regarding the particular Referral bonus’ announced.
  3. All the refund, as mentioned above shall be provided through the e-payment gate way and shall be credited to the same account from which the payments were originally done. NO CHANGE OF ACCOUNTS, FOR THAT MATTER WILL BE ALLOWED.
  4. NO REQUEST FOR ANY REFUND SHALL BE ENTERTAINED, EXCEPT FOR THOSE MENTIONED SPECIFICALLY ABOVE.
  5.  In case any payment is made outside the payment gateway, directly to the designated Bank account of LnD Pool  ( Verkenner Business Associates Private Ltd. ),  LnD Pool may  in such a case pay it to beneficiary directly and not through the payment gateway.

 

Indemnification

You agree to indemnify, defend and hold harmless LnD Pool, and Verkenner Business Associates Pvt Ltd. its officers, directors, owners, employees, agents, information providers, affiliates, licensors and licensees (collectively, the “Indemnified Parties”) from and against any and all liability and costs, including, without limitation, reasonable attorneys’ fees, incurred by the Indemnified Parties in connection with any claim arising out of (a) any User Contributions, or (b) breach by you or any user of your account of these Terms of Use or any representations, warranties and covenants contained in these Terms of Use. You shall cooperate fully and reasonably in the defence of any such claim. LnD Pool reserves the right, at its own expense, to assume the exclusive defence and control of any matter subject to indemnification by you.

 

WARRANTY DISCLAIMER
THE SITE IS PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPOSED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE. WE DO NOT ENDORSE AND ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR
STATEMENT ON THE SITE. THE INFORMATION, FACTS, AND OPINIONS PROVIDED ARE NO SUBSTITUTE FOR PROFESSIONAL ADVICE.
LIABILITY DISCLAIMER
YOUR USE OF THE SITE IS AT YOUR OWN RISK. NEITHER, VERKENNER BUSINESS ASSOCIATES PRIVATE LTD. OR LNDPOOL.COM NOR ANY OF ITS SUBSIDIARIES, DIVISIONS, AFFILIATES, AGENTS, REPRESENTATIVES OR LICENSORS (INCLUDING OUR INDEPENDENT CONTRACTOR CONTRIBUTORS) SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY OR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF YOUR ACCESS OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SITE AND THE INFORMATION AVAILABLE ON THE SITE OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE SITE. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST LND POOL, ABOUT, INC. AND ITS SUBSIDIARIES, DIVISIONS, AFFILIATES, AGENTS, REPRESENTATIVES AND LICENSORS (INCLUDING OUR INDEPENDENT CONTRACTOR CONTRIBUTORS) ARISING OUT OF YOUR USE OF THE SITE AND THE INFORMATION AVAILABLE THEREON.

 

Third Party Links, Advertisements, Websites and Content
We do not review or monitor any websites, advertisements, or other media linked to or available through the Site and are not responsible for the content of any such third-party advertisements or linked websites. Prior to purchasing any third-party products or services described on the Site, you are advised to verify pricing, product quality and other information necessary to make an informed purchase. Neither LnD Pool nor its parent or any of its subsidiaries, divisions, affiliates, agents, representatives or licensors shall have any liability arising from your purchases of third-party products or services based upon the information provided on the Site, and we shall not receive or review complaints regarding such purchases.

 

Disputes
These Terms of Use and any disputes arising out of or related to the Site shall be governed by, and construed and enforced in accordance with, the laws of India (without regard to conflict of law principles). In the event of any such dispute, you irrevocably consent to exclusive jurisdiction and venue in the courts located in Ernakulam, Kerala
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED AND YOU HEREBY AGREE TO WAIVE SUCH CAUSE OF ACTION OR CLAIM AFTER SUCH DATE.

 

Waiver and Severability
No waiver by LnD Pool of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of LnD Pool to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be
eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

 

Entire Agreement
The Terms of Use constitute the sole and entire agreement between you and LnD Pool with respect to the Site and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Site.

 

Copy Right Policy
LnD Pool deals with copyright infringement in accordance with the Indian Copyright Act. You may not post, upload, or otherwise place any content or information on the Site that belongs to a third party, unless you have the legal right to do so. If you believe in good faith that your copyrighted work has been reproduced on our Site without authorization in a way that constitutes copyright infringement, you may notify us through our official email id or by post to our office address. Your letter should contain:-

  • Your physical or electronic signature.
  • Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Site, a representative list of such works.
  • Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material, such as the precise URL (web page) that it appeared on, along with any copies you have of that web page.
  • Adequate information by which we can contact you (including your name, postal address, telephone number and email address).
  • A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law.
  • A statement, under penalty of perjury, that the information in the written notice is accurate and that you are authorized to act on behalf of the copyright owner.
  • Please be aware that if you knowingly materially misrepresent that material or activity on the Site is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees).

It is the policy of LnD Pool to disable the accounts of users who repeatedly post infringing material on the Site.

 

Advertising Policy
This policy of Advertisement published makes it transparent our policy of accepting advertisement as a revenue generating model.
LnD Pool accepts advertising on all of its sites but maintains a strict and clear separation between advertising and editorial content.
Special attention is paid to featuring advertising in a way that will not interfere with your reading experience. This relates to both page design and the number of ads we choose to feature on a page.
LnD Pool maintains a distinct separation between advertising and editorial content.

  • All advertising or sponsored content on LnD Pool is clearly and unambiguously distinguished from editorial content through borders or other distinguishing elements and/or identified as an “Ad,” “Advertisement,” “Sponsored” or a similar designation indicating that the content is being provided by or on behalf of the sponsor.
  • LnD Pool shall accept advertisement of products mainly of Banking, Financial services and Insurance sector. But LnD Pool reserve the freedom from deviating from this policy based on business reasons.
  • LnD Pool shall only allow the advertisement content published on the application page to be of such quality that is viewable by public. But we are not liable for the content added by the owners of the products/services advertising.
  • Each of you may have different perception on common items. We, LnD Pool will not be liable for negative perceptions inferred about any advertisement content published on our page or application. Even then if an advertisement content is reported beneficiaries, we shall remove such content or advertisement from our site, after proper enquiry. In such cases we shall go by public opinion.
  • Editorial content on the LnD Pool sites is not influenced by advertisements unless the content is sponsored content, in which case, the content will be clearly demarcated and identified with the title “Ad,” “Advertisement,” or “Sponsored”, or a similar designation, indicating that the content is being provided by or on behalf of an advertiser or sponsor.
  • All advertisements and sponsored content appearing on LnD Pool are subject to the Guidelines approved by management.