All materials published on the website are protected by international copyright laws, and may not be reproduced, republished, distributed, transmitted, resold, displayed, broadcast, or otherwise exploited in any manner without the express written permission of KGC. You may download freely accessible material (one copy per page) from this website for your personal and noncommercial use only, without altering or removing any trademark, copyright, or other notice from such material; you must pay a fee to access our premium web content.
You agree to indemnify KGC and its parents, subsidiaries, and affiliates, and each of their respective partners, officers, directors, employees, and agents, against, and to hold each of them harmless from, any and all claims and liabilities that may arise from your submissions, from your authorized and unauthorized use of material obtained from this website, from your breach of these Terms and Conditions, and from any such acts arising through your use of the website.

Any fees paid to us are non refundable under any circumstances. Even if you do not use the service or change your mind or are not satisfied with the content, you will not be entitled to a refund.

People who purchase our premium online content are not permitted to share, distribute, sell, or otherwise transfer their password to other individuals. The password is for the purchaser's sole use only. Significant or unusual use of a single password (including but not limited to significant use of a single password on multiple computers) could result in suspension of that password. In such cases no refund will be given to the purchaser.

Premium online content is protected by international copyright laws, and may not be reproduced, republished, distributed, transmitted, resold, displayed, broadcast, or otherwise exploited in any manner without the express written permission of KGC.

KGC generally collect personally identifiable information such as a name, postal address, E-mail address, telephone number, or credit card information with your specific knowledge and consent.

When you register for our premium content you will be asked to supply certain personally identifying information, which is then retained by us. If you choose to give us personally identifying information at such time, such information will be retained by us and used only to provide you with products or services you have requested, or with additional information from KGC, or selected outside companies whose products or services we feel may be of use to you. Any information from selected outside companies will be transmitted by us so that such companies will not have access either to your E-mail address or to your other personally identifying information. Moreover, we will not sell or rent any personally identifying information obtained through this website to any other company or organization.

If, at some point after giving us your personally identifying information, you do not wish to continue to receive additional information from KGC, its affiliates, or selected outside companies, in general, you may opt out by sending an email to kgc@karangupta.com with the words “unsubscribe” in the subject line of your email.

While your individual information is protected as discussed above, we reserve the right to use such individual information to create aggregated, anonymous data about users in order to develop statistics about activity on and visitors to our website. In addition, KGC may disclose personal information if we in good faith believe that such action is necessary to (1) comply with the law or with legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorized use of the website; or (4) protect the personal safety, property, or rights of our users or the public.

What are "cookies" and how do you use them? "Cookies" are pieces of information that are placed by a Web site in a storage place on your computer. Cookies do not contain information that is, in itself, personally identifying. We place cookies on your computer in a limited way to help deliver advertisements, to calculate unique site visitors, and to track usage throughout our site. Other uses include placement of cookies to make the login process more convenient for users of our premium online content. In addition, some advertisers may place cookies on your computer. We do not have control over cookies placed by advertisers.

How is my credit card information used when I make a purchase? When you register for online premium content, we ask you to provide your credit card information so that we can process your payment. During the ordering process, such credit card information is transmitted to a credit card processing company who then charge your credit card on our behalf.

No one under the age of 18 should provide any personal information. In general, KGC does not knowingly collect personally identifiable information from children under 18. In the event that we learn that we have collected information from a child under the age of 18 without verification of parental consent, we will delete this information from our database as quickly as possible. If you believe the website has any information about anyone under the age 18, please contact us

You agree that any claim, action, or proceeding arising out of these Terms and Conditions, or your use of the website, shall be governed by and construed in accordance with the laws of The Republic of India applicable to contracts to be wholly performed therein, and any action based on or alleging a breach of this Agreement must be brought in a court in Mumbai. In addition, you agree to submit to the personal jurisdiction of such courts.