Last update: December 24, 2020
Welcome to the TomorrowMakers® website managed by Transamerica Direct Marketing Consultants Private Limited, its affiliates, and/or service providers (collectively referred to as ‘TomorrowMakers®’, 'we', ‘our’ or ‘us’).
- You Agree to These Terms and Conditions by Using this Site
- Ownership of Content
- Your Use of the Site
- User Submission
- Savvy Women
- Disclaimer of Warranties
- Links to Third-party Sites
- Revisions to the Terms
- Law and Jurisdiction
- Grievance Redressal Mechanism
1. You Agree to These Terms and Conditions by Using this Site
2. Ownership of Content
The Site and all of its Content, including, but not limited to, all text, creative, banners, videos, calculators, infographics and images ('Content') are owned and copyrighted by TomorrowMakers® or others with all rights reserved unless otherwise indicated. Any Content that is a trademark, logo, or service mark is also a registered or unregistered trademark of TomorrowMakers® or others. Your use of any Content, except as provided in these Terms and Conditions, without the written permission of the Content owner, is strictly prohibited. You are also advised that, if there is an infringement or alleged infringement of our intellectual property rights, TomorrowMakers® will aggressively enforce its rights to the fullest extent of applicable laws.
3. Your Use of the Site
Subject to your compliance with the Terms and Conditions herein, TomorrowMakers® hereby grants you a personal, limited, non-exclusive, non-transferable, freely revocable licence to use the Services for personal and non-commercial use only.
You may print or download any Content (except for images of people or places), but only for non-commercial purposes and personal use. For the avoidance of doubt, our permission to allow you to print or download Content does not grant you a licence or ownership of any type. If you choose to print, download or use any Content from this Site, subject to your use of the Content in accordance with the foregoing, you also agree that you shall:
- acknowledge that you have obtained the relevant Content from this Site, and as appropriate, provide a hyperlink to the specific Content where it was taken, quoted, or referred to.
- not print, download or use images of people or places located within the Site without written permission from TomorrowMakers®.
- Except as set forth above, not distribute, modify, copy, transmit, display, reuse, reproduce, publish, license, create derivative works from, transfer, sell, or otherwise use the Content without written permission from TomorrowMakers®. Any unauthorised use of the Contents or the Services will result in termination of the limited licence granted by the Site and cancellation of your membership. Use of Site or the Services for any unauthorised purpose may result in severe civil and criminal penalties. TomorrowMakers® does not promote, foster, or condone the copying of Content, or any other infringing activity and the owners of Third Party Content or User Submissions may have the right to seek damages against you for any such violation. You are prohibited from using the Site to post or transmit any infringing, threatening, false, misleading, abusive, harassing, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, pornographic, or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any laws and regulations. TomorrowMakers® will fully cooperate with any governmental authorities, law enforcement bodies and organisations or any court order requesting or directing TomorrowMakers® to disclose the identity of any person posting or transmitting any such information or materials.
- not use the Site or any of its Content for any advertising, marketing, or commercial purposes.
If you wish to print or download any Content from third-party websites, whether such websites belong to our service providers or business partners or otherwise, you will be subject to the terms and conditions of use of such third-party websites.
4. User Submission
The Site contains functionality (e.g. Ask Our Expert form and Q&A article publication, social media share tool, etc.) that allows users to share our Content to their social media accounts primarily using the link or an API (Application Program Interface) allowed by each social media channel e.g. Facebook, Twitter, etc. (collectively 'Social Plug-ins'). You agree that you will not upload or transmit any communications or Content of any type to other sites that infringe or violate any rights of any party. By submitting communications or Content to other sites, you agree that such submission is non-confidential for all purposes.
If you make any such submission, you agree that you will not send or transmit to TomorrowMakers® by email (including through the email addresses listed on the 'Contact Us' page) any communication or Content that infringes or violates any rights of any party. If you submit any business information, idea, concept, or invention to TomorrowMakers® by email, you agree such submission is non-confidential for all purposes.
If you make any submission to other sites or if you submit any business information, idea, concept or invention to TomorrowMakers® by email, you automatically grant – or warrant that the owner of such Content or intellectual property has expressly granted – TomorrowMakers® royalty-free, perpetual, irrevocable, worldwide, non-exclusive licence to use, with the right to sublicense to reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, broadcast, stream, and display the communication or Content in any media or medium, or any form, format, or technology or forum now known or hereafter developed.
5. Savvy Women
Savvy Women is part of the Site and targets at educating and helping women make informed decisions – from money management to health, and personal development. The Site provides knowledge and tools to help them build confidence and take charge of their finances. With topics ranging from saving, investing, health, safety, insurance, and more, the Site aims to educate, inform and inspire Indian women. The Terms and Conditions also govern your use of all Content, services, and features on Savvy Women.
Some sections of the Site (such as calculators, posting comments, eBooks) may require registration. If you choose to register, you may be required to open an account by completing the registration process (i.e. by providing us with current, complete, and accurate information as prompted by the applicable registration form). You will need to choose a password and a username. You are entirely responsible for maintaining the confidentiality of your account and password. You are required to agree to the Terms and Conditions to complete the registration.
TomorrowMakers® has several tools that allow you to record and store information. You are solely responsible for ensuring that no unauthorised person shall have access to your TomorrowMakers® passwords or accounts. It is your sole responsibility to (1) control the dissemination and use of sign-in name, screen name, and passwords; (2) authorise, monitor, and control access to and use of your TomorrowMakers® account and password; (3) promptly inform TomorrowMakers® if you believe your account or password has been compromised or if there is any other reason you need to deactivate a password.
To send us an email, use the 'Contact Us' link located at the bottom of every page of our Site. You grant TomorrowMakers® and all other persons or entities involved in the operation of the Site the right to transmit, monitor, retrieve, store, and use your information in connection with the operation of the Site. TomorrowMakers® cannot and does not assume any responsibility or liability for any information you submit, or your or third parties' use or misuse of information transmitted or received using TomorrowMakers® tools and services.
TomorrowMakers® does not permit you to do and you agree not to do any of the following: (1) sharing of your account and password with any other person; (2) any part of the Site being cached in proxy servers and accessed by individuals who have not registered with the Site as users; or (3) access through a single account and password being made available to multiple users on a network.
If TomorrowMakers® reasonably believes that an account and password is being misused in any manner, it shall reserve the right to cancel access rights immediately without notice, and block access to all users from that IP address.
9. Disclaimer of Warranties
This Site is for general information purposes only and is intended for viewers who are residing in India only. Nothing in this Site constitutes an investment, insurance or professional advice, or any recommendation as to the suitability of any insurance or investment product. Your use of the information that you obtain from this Site will be at your own risk, and under no circumstances will we be liable for any loss and damages that you suffer as a result of your reliance on such information.
Contents on the Site are intended for viewers who are residing in India only. Any recommendations or suggestions proposed on this Site, whether provided in the featured articles, the Q&A responses, or elsewhere, is only a starting point for you to equip yourself with the relevant knowledge and resources, so that you may have a better understanding of your future needs and objectives. Please note that each individual is different and subject to different circumstances, and there are myriad of factors to be taken into account when planning for the future, whether in the areas of finance, health, insurance or otherwise.
Nothing on this Site should be construed as medical, tax, legal, or accounting advice. As such, we encourage you to separately obtain independent advice when making decisions in these areas. The authors of the articles featured on the Site are not employees of TomorrowMakers®, and the Content of these articles are only opinions of the authors but not the views of TomorrowMakers®. We will not be held responsible for any loss and damages arising out of or in relation to the use or reliance on the information contained or omitted in these articles or the authors’ handling of any personal information that may be provided by you to them.
You agree to indemnify and hold TomorrowMakers®, its affiliates, and all of its directors, officers, personnel, agents, partners, employees, and their successors and assigns harmless from any claims, demands, expenses, direct or indirect damages, actions, losses, obligations, fines, penalties, liabilities and causes of action, including reasonable attorneys' fees, arising out of or in relation to any information, Content, comment, or opinion that you submit, post, or transmit to the Site, your use of this Site, your violation of these Term and Conditions, or your violation of any rights, title or interest of another person as a result of your use and access of this Site.
We are not able to and will not guarantee or warrant that any Content available for printing or downloading from the Site will be free of viruses, worms, Trojan horses, or any other codes that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements with respect to the accuracy of data input and output, and for maintaining a separate system or method (other than through TomorrowMakers®) for the reconstruction of any lost data.
We do not assume any responsibility or risk for your use of the Site, nor do we assume any responsibility for any products or services, or hyperlinks to third parties, or for any breach of security associated with your use of the Site, or your transmission of sensitive information through the Site or any hyperlinked websites. Any Content is not necessarily complete and up-to-date, and should not be used to replace any written reports, statements, or notices provided by us. Users of this Site should use the Content in the same manner as any other medium that contains publicly available information, and should not rely on the Content to the exclusion of their own reasonable judgment. Information obtained from this Site is not exhaustive, and does not cover all issues, topics, or facts that may be relevant to your needs. Your account information available on this Site is not the official record of your account or your personal information. Nothing on this Site should be construed as rendering medical, tax, legal, investment, accounting, financial or any other advice.
Your use of this Site is at your own risk. The Content is provided 'as-is' and without warranties of any kind, either expressed or implied. We disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. We do not warrant that the functions or Content contained in this Site will be uninterrupted or error-free, or that defects, if any, will be corrected, or that this Site or the server that makes it available are free of viruses, disabling devices, or any other harmful components. We do not warrant or make any representation regarding use, or the result of use, of the Content, whether in terms of correctness, accuracy, reliability, or otherwise. The Content may include technical inaccuracies or typographical errors, and we may make changes or improvements at any time. You, and not us, assume the entire cost of all necessary servicing, repair, or correction in the event of any loss or damage arising from the use of this Site or the Content. We assume no liability or responsibility for errors or omissions in the Content.
All of the information on this Site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Site, and we do not undertake any obligation to update such information after it is posted, or to remove such information from this Site if it is not, or is no longer, accurate, or complete.
11. Links to Third-party Sites
This Site may provide hyperlinks to various third-party websites, including hyperlinks provided on the Search results page. Some hyperlinks may contain material that is offensive, indecent, unlawful, or inaccurate. The link does not show that we endorse these third-party sites. You acknowledge and agree that we are not responsible for the Content or any other materials on such third-party websites. Any agreements and transactions between you and the advertisers within this Site are between you and the advertiser, and you acknowledge and agree that we shall not be liable for any loss or claim that may be caused by an agreement or transaction between you and the advertiser. The hyperlink is intended only as your reference. We are not responsible for the accuracy, completeness, and correctness of material in these sites.
12. Revisions to the Terms
13. Law and Jurisdiction
These Terms and Conditions are made and interpreted according to the laws in force in the Republic of India.
Information, resources, services, and tools provided on the Site are intended for users residing in India only. We do not in any way represent that the information, resources, services, and tools available on the Site are appropriate or available for use outside India or in jurisdictions in which we do not operate in, or that we are rendering services or soliciting business in any such jurisdiction.
14. Grievance Redressal Mechanism
Any complaints or concerns with regards to Content and or comment or breach of these terms shall be taken up with the designated Grievance Officer as mentioned below in writing or through an email signed electronically and addressed to the Grievance Officer:
Name: Mr Avinash Shroff
Title: Managing Director
Telephone: 91 22 6118 0149
We shall try and resolve your grievance within 15 days and in any event no later than 30 days from the date of receipt of the grievance.