Terms and Conditions

Terms & Conditions

Contents

1. Privacy Policy
2. Terms of use
3. Feedback
4. Permission to use information on this website
5. General disclaimer
6. Cancellation of refund policy
7. General

1. Privacy Policy

This notice (the "Website Privacy Policy") describes privacy policy of Delhi Institute of Financial Markets Ltd as it relates to DIFM’s Website at www.difminstitute.in and any related site maintained and operated by DIFM (collectively, the "Website").
DIFM reserves the right, in its sole discretion, to modify or change this Privacy Policy at any time with or without prior notice to you. You should visit this page periodically to review the current Privacy Policy; the date of the last update will be posted at the top of this Privacy Policy for your convenience. Your continued use of the Website following the posting of any changes to the Privacy Policy constitutes your acceptance of those changes. If at any time you do not agree with this Privacy Policy, you must immediately stop using the Website.
What information we collect :

You also hereby grant to DIFM the right to exchange any information provided by you between DIFM affiliates for the purposes mentioned before.

Non-Personal Information Collected Automatically
BIFM collects limited non-personally identifying information through your browser whenever you visit a website. This log information includes your Internet Protocol address, browser type, browser language, the date and time of your query and one or more cookies that may uniquely identify your browser. We use this information to operate, develop and improve our services.

Personal Information
In order to respond to your questions, fulfill your requests, it may be necessary to ask for personal information such as your name, address, e-mail address and telephone number. If you enroll for a course or any other service, you may be asked for financial information such as a credit card number. Once you provide your personal information, you are not anonymous to DIFM. We may use these information to respond to your requests or to contact you via mail, e-mail or Tel to inform you of new Courses, services or promotions we may offer. If you place an order for a Course, request a service or submit content to this site, we may need to contact you for additional information required to process or fulfill your order and/or request. However, unless compelled by applicable legislation, we will not provide this information to a third party without your permission, except as necessary to process your order or fulfill your requests.
When we require personally identifying information, we will inform you about the types of information we collect and how we use it. We hope this will help you make an informed decision about sharing your personal information with us.
How we collect information :
Upon your first visit to DIFM, a cookie is sent to your computer that uniquely identifies your browser. A "cookie" is a small file containing a string of characters that is sent to your computer when you visit a website.
From time to time, "cookies" may be placed on your computer to allow us to identify you and to better understand how people interact with us. By showing how and when our visitors use this Site, this information can help us to continue to improve our Site.
We will only use cookies to view information on your hard drive that was put there by a cookie from this Site. The use of cookies is an industry standard and many web sites use them. Cookies are stored on your computer and not on this Site.
BIFM does this by storing user preferences in cookies and by tracking user trends and patterns of how people use this website. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some DIFM features or services may not function properly without cookies.

DIFM uses your information : DIFM may use your information :

a) To process and respond to inquiries and for the purposes for which you provided the information, such as to
 receive further information about a product or service.
b) To improve the content and navigability of the website
c) To alert you to new site features, special events, offers and services.
d) To enforce our Terms & Conditions.

In the future, we may sell some or all or our assets or reorganize our corporate structure. In such transactions, customer information generally is one of the transferred business assets. In the event of a sale or reorganization of our assets including our database, customer information may be transferred. We will require recipients of customer information to honor our privacy policy.

With whom the information is shared : We do not allow or provide otherwise to use your personally identifying information to other companies or individuals, unless we have your consent. We may share such information in any of the following limited circumstances:
a) We have your consent.

b) We provide such information to trusted businesses or persons for the sole purpose of processing personally identifying information on our behalf. When this is done, it is subject to agreements that oblige those parties to process such information only on our instructions and in compliance with this Privacy Policy and appropriate confidentiality and security measures.

c) We conclude that we are required by law or have a good faith belief that access, preservation or disclosure of such information is reasonably necessary to protect the rights, property or safety of DIFM, its users or the public.

d) If you have an account, we may share the information submitted under your account among all of our services in order to provide you with a seamless experience and to improve the quality of our services. We will not disclose your account information to other people or non-affiliated companies, except in the limited circumstances described in this Policy or with your consent.

How we protect information : Please note that there is always a risk associated with providing personal data, whether in person, by Tel or over the Internet and no system of technology is completely safe, "tamper" or "hacker- proof"

• We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data.
• We restrict access to your personally identifying information to employees who need to know that information in order to operate, develop or improve our services.

We store information gathered on secure computers. The number of employees involved in the management of the data center that have physical access to these computers is limited. We use advanced security technology to prevent our computers from being accessed by unauthorized persons. It is important for you to protect against unauthorized access to your Login ID/password and to your computer. Be sure to sign off when finished using a shared computer and otherwise protect the password used to access the DIFM service.

Accuracy of Collected Data : DIFM will on its own initiative, or at your request, replenish, rectify or erase any incomplete, inaccurate or outdated personal data retained by the Institute in connection with the operation of this Site.
Updating your Information : We provide mechanism for updating and correcting your personally identifying information for many of our services
Minors : This Website is not directed toward children under 18 years of age nor does DIFM knowingly collect information from children under 18. If you are under 18, please do not submit any personally identifiable information to DIFM
Links : The Website contains links to third-party Websites. DIFM is not responsible for the privacy practices or the content of such Websites.
Sites displayed as links to the DIFM website are developed by people where DIFM exercises no control. These other sites may place their own cookies on your computer, collect data or solicit personal information.
Changes to this Policy : We may change this Privacy Policy, or change, modify or withdraw access to this Site or the content of these pages at any time with or without notice
Regardless, we will post those changes on this page and, if the changes are significant, we will also provide a more prominent notice.
Contacts : If you have any questions, concerns, or suggestions regarding this privacy policy, please email us.

2. Terms Of Use

The following terms and conditions will be deemed to have been accepted by the User on usage of the website http://www.difminstitute.in You are requested to read them carefully before you use the services of this site.

a) The term User shall refer to the user who is browsing the Site. The term DIFM shall refer to DIFM and/or its affiliates/subsidiary companies. The term Site refers to www.difminstitute.in and other websites as mentioned above, owned and monitored by DIFM.

b) By using the Site, you agree to follow and be bound by the following terms and conditions concerning your use of the Site. DIFM may revise the Terms of Use at any time without notice to you. Areas of the Site may have different terms of use posted. If there is a conflict between the Terms of Use and terms of use posted for a specific area of the site, the latter shall have precedence with respect to your use of that area of the Site.

c) DIFM may terminate a User's access at any time for any reason. The provisions regarding a disclaimer of warranty, accuracy of information, and indemnification shall survive such termination. DIFM may monitor access to the Site.

d) All content present on this site is the exclusive property of DIFM and/or its affiliates/subsidiary companies or the content provider. The software, text, images, graphics, video and audio used on this site belong to DIFM. No material from this site may be copied, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form whatsoever without prior written permission from DIFM. All rights not expressly granted herein are reserved. Unauthorized use of the materials appearing on this site may violate copyright, trademark and other applicable laws and could result in criminal and/or civil penalties.

e) DIFM does not make any warranties, express or implied, including but without limitation, those of merchantability and fitness for a particular purpose, non infringement, with respect to any information, data, statements or products made available on the Site.

f) DIFM does not accept any responsibility towards the contents and/or information practices of third party Sites which have links through DIFM's Site. The said links to internal or external Web site locations are only for the purpose of facilitating your visit or clarifying your query.

g) The site and all contents, materials, information, products and services provided on the Site, are provided on an "as is" and "as available" basis. DIFM expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

h) The site and all contents, materials, information, products and services provided on the Site, are provided on an "as is" and "as available" basis. DIFM expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

i) DIFM shall have no responsibility for any damage to a User's computer system or loss of data that results from the download of any content, materials, information from the Site.

j) DIFM may change or discontinue any aspect of its Web site at any time, including its content or features. DIFM reserves the right to change the terms and conditions applicable to the use of the Site. Such changes shall be effective immediately upon notice, which shall be placed on the Site.

k) In no event will DIFM be liable for damages of any kind, including but without limitation, direct, incidental or consequential damages (including, but not limited to, damages for lost profits, business interruption and loss of programs or information) arising out of the use of or inability to use DIFM's Web site, or any information provided on the Web site, or in the Products any claim attributable to errors, omissions or other inaccuracies in the Product or interpretations thereof.

l) The User agrees to indemnify, defend and hold DIFM harmless from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, arising out of or relating to any misuse by the User of the content and services provided on the Site.

m) The information contained in the Site has been obtained from sources believed to be reliable. DIFM disclaims all warranties as to the accuracy, completeness or adequacy of such information.

n) The User's right to privacy is of paramount importance to DIFM. Any information provided by the User will not be shared with any third party except as stated herein. DIFM reserves the right to use the information to provide the User a more personalized online experience.

o) The Site provides links to Web sites and access to content, products and services from third parties, including users, advertisers, affiliates and sponsors of the Site. You agree that DIFM is not responsible for the availability of and content provided on, third party Web sites. The User is requested to pursue the policies posted by other Web sites regarding privacy and other topics before use. DIFM is not responsible for third party content accessible through the Site, including opinions, advice, statements and advertisements and User shall bear all risks associated with the use of such content. DIFM is not responsible for any loss or damage of any sort that a User may incur from dealing with any third party.

3. Feedback
Unless expressly provided otherwise by DIFM, all comments, feedback, information or materials submitted to DIFM through or in association with the Site shall be considered non-confidential and DIFM's property. By submitting such comments, feedback, information or materials to DIFM, the visitor of the Site agrees to a no-charge assignment to DIFM of all worldwide rights, title and interest in copyrights and other intellectual property rights to the comments, feedback, information or materials. DIFM shall be free to use, copy, publish or distribute such comments, feedback, information or materials on an unrestricted basis without accounting to the visitor of the Site.

4. Permission to use information / materials on this Website
Except in connection with personal informational and non-commercial use, none of the Contents may be copied, reproduced, distributed, republished, downloaded, displayed, posted electronically or mechanically, transmitted, recorded, in any manner mirrored, photocopied, or reproduced without the prior written permission of DIFM or the applicable copyright owner. Any other use of materials/ information on this Web site, including any commercial use, reproduction for purposes other than that noted above, modification, distribution, or republication without the prior written permission of DIFM is strictly prohibited and may violate copyright or trademark laws. All contents on this site are protected by copyright. Except as specifically permitted herein, no portion of the information on this web site may be reproduced in any form, or by any means, without prior written permission from DIFM. Visitors or users are not permitted to modify, distribute, publish, transmit or create derivative works of any material found on this site for any public or commercial purposes.
5. General Disclaimer
The documents and graphics on this website could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. DIFM may make improvements and/or changes herein at any time. DIFM makes no representations about the accuracy of the information contained in the documents and graphics on this web site for any purpose. All documents and graphics are provided "as is". DIFM hereby disclaims all warranties and conditions with regard to this information, including all implied warranties and conditions of merchantability, fitness for any particular purpose, title and non-infringement. in no event, DIFM and/or its licensor/ supplier shall be liable to any party for any direct, indirect, special or other consequential damages for any use of the sites, the information, on any other hyperlinked web site, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if DIFM is expressly advised of the possibility of such damages.
6. Cancellation and Refund policy
For online payments, cancellation is not possible on the Internet. To cancel a fee payment, the student will have
to submit the claim with DIFM at B36A, LGF, Kalkaji, New Delhi or write an e-mail to us. The fee once paid is not refundable under any circumstances except as otherwise provided in the Fee Policy of DIFM. In case where the fee is refundable as per the policy, it shall be refunded electronically after deducting cancellation charges. Bank charges that are being levied by the Payment Gateways/Banks are not subject to refund in the event of cancellation of transaction by the student. The cancellation charge is determined by the DIFM's rules for cancellation and is based on the time of cancellation and the status of the fee payment. The service charge is not refunded.