TERMS OF USE INCLUDING PRIVACY POLICY AGREEMENT BETWEEN USER AND INDIAYOGI.COM.

TERMS OF USE

Please read this agreement ("Agreement") carefully before accessing or using this web site ("Site"). By accessing or using the Site, you agree to be bound by this Agreement. indiayogi.com, its consultants, authors and suppliers provide the information and services (''Services'') on this Site to you, the User, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of these Sites constitutes your agreement to all such terms, conditions and notices. The information and Services offered on this Site are provided with the understanding that neither indiayogi.com nor its suppliers are engaged in rendering legal or other professional Services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site. indiayogi.com, its consultants, authors and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, Services or other materials on this Site. While indiayogi.com strives to keep the information on this Site accurate, complete and up-to-date, indiayogi.com and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.

PERSONAL AND NON-COMMERCIAL USE LIMITATION:

PROHIBITED USES

You may access, download and print materials on this Site for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, use on any other web site, transfer or sell any information, software, lists of Users, databases or other lists, products or Services obtained from this Site. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of Users or other information. If and when requested by indiayogi.com, you agree to provide true, accurate and complete User information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the prior written permission of indiayogi.com, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.

PROPRIETARY RIGHTS

All materials on this Site (as well as the organisation and layout of the Site) are owned and copyrighted or licensed by indiayogi.com, its affiliates or its suppliers. © Copyright indiayogi.com, 2000-2008. All rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on this Site is permitted without the prior written permission of indiayogi.com.

TRADEMARKS

indiayogi.com and other indiayogi.com logos, product and service names are trademarks owned by/licensed to indiayogi.com, or its affiliates (the "Marks"). Without the prior written permission of indiayogi.com, or its appropriate affiliates, you agree not to display or use in any manner, the Marks.

All other trademarks are the property of their respective owners.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Site, you warrant to indiayogi.com that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the indiayogi.com Site/Services in any manner which could damage, disable, overburden, or impair any indiayogi.com Site/Services (or the network(s) connected to any indiayogi.com Site/Service(s)) or interfere with any other party's use and enjoyment of any indiayogi.com Site/Service(s). You may not attempt to gain unauthorised access to any indiayogi.com Site/Services, other accounts, computer systems or networks connected to any indiayogi.com Site/Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the indiayogi.com Site/Services. If you violate any of these terms, your permission to use the Site automatically terminates and you may be subjected to criminal and civil liability.

ELIGIBILITY

You warrant that you are at least eighteen (18) years of age and possess the legal authority to enter into this agreement and to buy items and use any other Services offered on this Site in accordance with all terms and conditions herein. If you are buying goods or using the Services, you further warrant that you have legal authority to enter into other binding agreements for the purchase of goods or use of Services. You agree to be financially responsible for all of your use of the Services (as well as for use of your account by others, including without limitation minors living with you). You agree and undertake to supervise and be responsible for all usage of minors of the Services under your name or account. You also warrant that all information supplied by you or members of your household in using the Services, including without limitation your name, email address, street address, telephone number, credit card number is correct and accurate. Failure to provide accurate information may subject you to civil and criminal penalties.

MEMBER ACCOUNT, PASSWORD AND SECURITY

If a particular indiayogi.com Site/Service requires the User to open an account, the User must complete the registration process by providing current, complete and accurate information as prompted by the applicable registration form. The User then will choose a password and an User name. The User is entirely responsible for maintaining the confidentiality and secrecy of his/ her password and account. Furthermore, the User is entirely responsible for any and all activities that occur under his/ her account. The User agrees to notify indiayogi.com immediately of any unauthorised use of the account or any other breach of security. indiayogi.com will not be liable for any loss that the User may incur as a result of someone else using the User's password or account, either with or without User's knowledge. However, the User shall be held liable for losses incurred by indiayogi.com or another party due to someone else using the User's account or password. The User may not use anyone else's account at any time, without the prior written permission of the account holder.

LIABILITY DISCLAIMER

You use this Site at your own risk. If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment or data, neither indiayogi.com nor its affiliates are responsible for those costs.

CHANGES ARE PERIODICALLY MADE AND ADDED TO INDIAYOGI.COM SITE AND TO THE INFORMATION HEREIN. INDIAYOGI.COM, ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME. ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL INDIAYOGI.COM, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO LOSS OF USE, REVENUE OR PROFIT ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF INDIAYOGI.COM, ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE INDIAYOGI.COM SITE/ SERVICES OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE INDIAYOGI.COM SITE/ SERVICES. THE INDIAYOGI.COM SITE CONTAINS FACTS, VIEWS, OPINIONS, STATEMENTS AND RECOMMENDATIONS OF USERS OF THE INDIAYOGI.COM SITE, ADVERTISERS, THIRD PARTY INFORMATION PROVIDERS AND ORGANIZATIONS. THE INDIAYOGI.COM SITE DOES NOT REPRESENT OR ENDORSE THE ACCURACY, COMPLETENESS OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED, UPLOADED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE UPON ANY SUCH OPINION, ADVICE, STATEMENT OR INFORMATION SHALL BE AT YOUR SOLE RISK. INDIAYOGI.COM MAKES NO WARRANTY OR REPRESENTATION WHATSOEVER REGARDING THE SITE OR ANY CONTENT, ADVERTISING, SERVICES OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SITE. YOU ACKNOWLEDGE THAT ANY USE OF SUCH CONTENT, ADVERTISING, SERVICES OR PRODUCTS PROVIDED THROUGH OR ON THE INDIAYOGI.COM SITE SHALL BE AT YOUR SOLE RISK. INDIAYOGI.COM EXPRESSLY STATES THAT INDIAYOGI.COM SHALL NOT BE RESPONSIBLE OR HELD LIABLE FOR ANY CONTENT, ADVERTISING, SERVICES OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SITE.

1. ANY WARRANTIES AS TO THE AVAILABILITY, ACCURACY, COMPLETENESS OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES WHICH ARE PART OF THE INDIAYOGI.COM SITE; AND

2. WARRANTIES OR FITNESS FOR A PARTICULAR PURPOSE, OR MERCHANTABILITY OR WORKMAN EFFORT OR TITLE OR AGAINST INFRINGEMENT. IN NO EVENT WILL INDIAYOGI.COM, ITS AFFILIATES, LICENSORS, EMPLOYEES, AGENTS OR CONTRACTORS, BE LIABLE TO YOU FOR ANY DAMAGES OR LOSSES, INCLUDING WITHOUT LIMITATION INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES RESULTING FROM OR CAUSED BY THE INDIAYOGI.COM SITE, ITS PUBLIC POSTING BULLETING BOARDS, ITS CONTENT OR ANY ERRORS OR OMISSIONS IN ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE PRODUCTS, CONSULTATIONS AND SERVICES OFFERED ON INDIAYOGI.COM ARE NOT TO BE UNDERSTOOD AS A SUBSTITUTE FOR THE ACCURATE AND APPROPRIATE MEDICAL OR PSYCHOLOGICAL ASSESSMENT, DIAGNOSIS OR TREATMENT PRESCRIBED IN A ONE-ON-ONE RELATIONSHIP WITH A PHYSICIAN OR MENTAL HEALTH PROFESSIONAL. INDIAYOGI.COM DOES NOT DISPENSE MEDICAL OR PSYCHOLOGICAL TREATMENT OR PRESCRIBE THE USE OF ANY TECHNIQUE AS A FORM OF TREATMENT FOR PHYSICAL, EMOTIONAL OR MEDICAL PROBLEMS AS AN ALTERNATIVE TO THE ADVICE OF A PHYSICIAN OR MENTAL HEALTH PROFESSIONAL. IF YOU HAVE, OR FEEL YOU HAVE, A MENTAL, EMOTIONAL OR PHYSICAL ILLNESS, OR IF YOUR SITUATION COULD BE SERIOUS OR LIFE-THREATENING, YOU SHOULD CONTACT A PHYSICIAN OR MENTAL HEALTH PROVIDER IMMEDIATELY.

3. ANY SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless indiayogi.com, its parents, subsidiaries, affiliates and suppliers, officers and employees from any liability, loss, claim, demand, damage and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

DISCLOSURE

indiayogi.com reserves the right to disclose any personal information about you or your use of the indiayogi.com Site/Services, including its contents, without your prior permission if indiayogi.com has a good faith belief that such action is necessary to:

(1) conform to legal requirements or comply with legal process;
(2) protect and defend the rights or property of indiayogi.com or its affiliated companies;
(3) enforce the terms or use; or
(4) act to protect the interests of its members or others.

indiayogi.com's performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of indiayogi.com's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the indiayogi.com Site/Services or information provided to or gathered by indiayogi.com with respect to such use. indiayogi.com has the right in its sole discretion to edit, refuse to post or to remove any information or materials, in whole or in part.

USE OF SERVICES:

The indiayogi.com Site/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). indiayogi.com has no obligation to monitor the Communication Services. However, indiayogi.com reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. indiayogi.com reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever.

Caveat:

indiayogi.com undertakes no obligations for confidentiality of information provided by you and you would do so entirely at your sole risk. Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. indiayogi.com does not control or endorse the content, messages or information found in any Communication Service and, therefore, indiayogi.com specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized indiayogi.com spokespersons, and their views do not necessarily reflect those of indiayogi.com. Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination, you are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO INDIAYOGI.COM OR POSTED AT ANY INDIAYOGI.COM'S SITE

indiayogi.com does not claim ownership of the materials you provide to indiayogi.com (including feedback and suggestions) or post, upload, input or submit to any indiayogi.com Site/Service or its associated services for review by the general public (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting indiayogi.com, its affiliated companies and necessary sublicenses permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission. No compensation will be paid with respect to the use of your Submission, as provided herein. indiayogi.com is under no obligation to post or use any Submission you may provide and indiayogi.com may remove any Submission at any time in its sole discretion.

PRIOR PERMISSION OF INDIAYOGI.COM

Permission to use any documents (such as articles and other text) and related graphics (such as images, photographs, maps, charts, and illustrations) available from indiayogi.com is granted, provided that (1) the proper credit and indiayogi.com copyright notice appears on all copies; (2) use of the documents and graphics available from this Site is for informational and non-commercial or personal use only; and (3) no documents or graphics, including logos, available from indiayogi.com are modified in any way. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

LINKS TO THIRD PARTY SITES

This Site may contain hyperlinks to web sites operated by parties other than indiayogi.com, or its affiliates. For example, clicking on a category in the Features section on indiayogi.com may bring you to a site operated by a party independent of indiayogi.com, or its affiliates. Such hyperlinks are provided for your reference only. indiayogi.com does not control such web sites, and is not responsible for their contents, including without limitation any link contained in the hyperlinks or any changes or updates of hyperlinks. Inclusion of hyperlinks by indiayogi.com to such web sites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and Services therein, solely at your own risk. indiayogi.com shall not be responsible for webcasting or any other form of transmission received from any hyperlink nor is indiayogi.com responsible, if the hyperlink is not working appropriately.

Furthermore, because our privacy policy is applicable only when you are on our Site, once linked to another web site, you should read that site's privacy policy before disclosing any personal information.

indiayogi.com shall not be responsible for any dealings with third parties (including advertisers) included within the indiayogi.com Site/Services or participation in promotions, including the delivery of and the payment for goods and Services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, as these dealings are solely between the User and the advertiser or other third party.

CHANGES TO SITE

indiayogi.com, its affiliates consultants, authors and/or its suppliers reserves the rights to make improvements or changes in the information, Services, products, and other materials on this Site including but not limited to changes associated with the use of Site, or terminate this Site, at any time without notice. indiayogi.com, may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

• indiayogi.com shall provide the Services / merchandise only after the receipt of 100% payment in advance.

• After receipt of advance payment, if any of the services offered by indiayogi.com could not be undertaken for reasons not attributable to the User, the advance payment would be refunded to the User subject to any law which may govern such transfer of money. No refund will be permissible if the Services contracted could not be conducted for reasons attributable to the User. indiayogi.com does not guarantee and shall not be responsible for the accuracy of predictions/readings. indiayogi.com passes on all predictions/readings of the astrologers/tarot card readers and their recommendations to the Users with the best of intentions. indiayogi.com does not accept any liability whatsoever on account of the predictions/readings except to the extent of passing on these predictions/readings to the User.

• Any liability on indiayogi.com on any account shall be restricted to the value of the service/product in question. indiayogi.com shall not be responsible for any loss/claim/damage whatsoever beyond this value.

• Prices quoted by indiayogi.com for various Services/merchandise include expenses incurred by indiayogi.com for procuring the Services/merchandise, bank transaction charges, communication charges, courier charges etc., except where it is indicated otherwise.

• Prices quoted in any International Currency are indicative only. However, due to exchange rate fluctuations, the actual price payable by the User may vary from the indicated price. Users are requested to note that this is a requirement of the credit card processing companies, and indiayogi.com does not have much control over this matter.

• indiayogi.com reserves the right to revise the prices at any time at its sole discretion without any notice. However, the User would be liable to pay only at the prices prevailing at the time of acceptance of his order by indiayogi.com.

• These General Terms and Conditions (GTC) would be in addition to any other Special Terms and Conditions (STC) which may be specified by indiayogi.com for any particular service(s).

• These GTC would be valid for all transactions with indiayogi.com done through this portal unless specified otherwise for any particular transaction(s).

• In the event that any GTC contained herein are in conflict with the STC or other terms and conditions contained with any particular indiayogi. com Site, then these terms shall prevail.

Language of the Agreement

It is the express will of the parties that this Agreement and all related documents have been drawn up in English.

Governing Law

This Agreement shall be governed by, interpreted, and enforced in accordance with the substantive laws of India and disputes arising in respect hereto shall be subject to the exclusive jurisdiction of the relevant courts of Mumbai.

No Agency

This Agreement shall not constitute any party as the legal representative or agent of any other, nor shall any party have the right or authority to assume, create or incur any liability or obligation, express or implied, against, in the name of, or on behalf of another party. Except as may be expressly set forth herein, this Agreement is not intended to create and shall not be construed to create a relationship or partnership, joint venture or association between the parties.

Partial Invalidity

If any provision of this Agreement or the application thereof to any person or circumstance is or becomes invalid or unenforceable to any extent, the remainder of this Agreement and the application of such provision to persons or circumstances other than those as to which it is held invalid or unenforceable, shall not be affected thereby, and each provision of this Agreement shall be valid and enforceable to the fullest extent permitted by law. Any invalid or unenforceable provision of this Agreement shall be replaced with a provision which is valid and enforceable and most nearly gives effect to the original intent of unenforceable provision.  


LEGAL NOTE

The trademarks, logos and service marks (collectively the "Trademarks") displayed on this site are Trademarks owned or licensed by Yoginet India Pvt. Ltd. Nothing on this site should be construed as granting, by implication or otherwise, any license or right in or to the Trademarks without the express written permission of Yoginet India Pvt. Ltd. or, if not Yoginet India Pvt. Ltd., the owner of the Trademark. In addition, any reproduction, retransmission, modification or use of this site's content for other than personal, non-commercial purposes requires the prior written consent of Yoginet India Pvt. Ltd.

indiayogi.com aims to offer you a pleasurable and personalised shopping experience - one that also respects and protects your privacy. The information you share with us is used to process your orders speedily and to your complete satisfaction.

INFORMATION GATHERING AND USAGE

Registration

You may provide us with certain information such as your name, email address, postal address, when you register on indiayogi.com. This information will primarily be used for the purpose of providing personalisation and verification.

Feedback

Our site's feedback form requires Users to give us contact information (like their name and email address) and demographic information (like their zip code, age or income level). We use customer contact information from the feedback form to send the User information about our company and promotional material from some of our partners. Demographic and profile data is also collected at our Site. We use this data to tailor the visitor's experience at our site, showing them content that we think they might be interested in, and displaying the content according to their preferences. The User's contact information is also used to contact the visitor when necessary. Users may opt-out of receiving future mailings; by sending us an e-mail. In particular the User should understand that by submitting any feedback or suggestions to indiayogi.com concerning the Services, the User warrants and represents that the User owns or otherwise controls the rights necessary to do so.

> For more details about our privacy policy, please read on:

What information we collect and how do we use it?

1. When you place an order, we need to know your name, email address, mailing address, telephone number, credit card number and the expiration date of the credit card. indiayogi.com may also collect demographic information, such as your Country, City, ZIP code. Information collected by indiayogi.com may be combined with information obtained from other indiayogi.com services and other companies. This allows us to process your order and notify you of its status.

2. Your email address is required when you sign up for services like Yogi Waves - our newsletter, Tarot Reading and other consultations etc., or to mail the information you require.

3. If you choose to sign up for a paid subscription service (e-Courses) or order a product (Yogi Shop), we will collect personal information, including your credit card number and billing address, in order to create an indiayogi.com billing account. You can always add to or update the information in your billing account through the Account Update area located at http://www.indiayogi.com/myaccount/

4. You can choose to create an optional public profile, containing information about yourself - such as date of birth, age, gender, preferences and interests. Any information you choose to enter in your public profile will be visible to other users of indiayogi.com Sites and Services; and when you interact with other users (for example, sending a message to another indiayogi.com email account or interacting in Yogi Pals), a link to your public profile may be displayed. indiayogi.com urges you to be careful only to enter information on your public profile that you are comfortable sharing with the public at large. You may change, edit or delete information about yourself from your public profile at any time while online by going to Yogi Pals, Public Profiles, Edit Your Public Profile.

5. indiayogi.com also collects certain information about your computer hardware and software. This information may include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by indiayogi.com for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of indiayogi.com.

6. indiayogi.com keeps track of the pages our customers visit within indiayogi.com, in order to determine which indiayogi.com Articles, Products and Services are the most popular. This data is also used by indiayogi.com to deliver customised content and advertising to customers whose behaviour indicates that they are interested in a particular subject area.

7. Please keep in mind that if you disclose personal information through Yogi Pals, or other public online forums, this information may be collected and used by others. indiayogi.com cautions you against giving out personal information to strangers online, which they may use for illegal or harmful purposes.

8. indiayogi.com encourages you to review the privacy statements of Web sites you choose to link to from indiayogi.com so that you can understand how those Web sites collect, use and share your information. indiayogi.com is not responsible for the privacy statements or other content on Web sites outside of indiayogi.com.

9. indiayogi.com and its operational service partners collect and use your personal information to operate indiayogi.com and deliver the services you have requested. indiayogi.com does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

10. indiayogi.com also uses your personal information to inform you of other products or services available from indiayogi.com and its affiliates. indiayogi.com may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered. Any positive feedback from you regarding your shopping experience on indiayogi.com may be used as testimonials for others to see. If you do not wish that such statements are made visible to others, you may inform us accordingly.

11. Certain indiayogi.com Services may be co-branded and offered in conjunction with another company. If you register for or use such services, both indiayogi.com and the other company may receive information collected in conjunction with the co-branded services. In such cases, either a joint privacy statement or a link to the other company's privacy statement will be provided, which will provide you with information about how the other company will use the information and how you can contact the other company with requests to access the information or other inquiries.

12. Personal information collected on this site may be stored and processed in India or any other country in which indiayogi.com or its affiliates, subsidiaries or agents maintain facilities, and by using this Site, you consent to any such transfer of information outside of your country.

13. indiayogi.com is concerned about controlling unsolicited commercial e-mail. While indiayogi.com continues to actively review and implement new technology, such as expanded filtering features, there is no currently available technology that will totally prevent the sending and receiving of unsolicited e-mail. Using tools and being cautious about the sharing of your e-mail address while online will help reduce the amount of unsolicited e-mail you receive.

14. By posting, uploading, inputting, providing or submitting your information you warrant and represent that you own or otherwise control all of the rights to your information including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the information.

How does indiayogi build customer confidence and protect customer information?

indiayogi.com uses the latest encryption technology to ensure that the personal information you provide is safe and secure. All information pertaining to your orders including your name, email address, mailing address and credit card number, is encrypted using a secure server for maximum protection. Your credit card and billing information cannot be read as it is being transmitted into our ordering system.

Will indiayogi disclose the information it collects to outside parties?

indiayogi may, at its discretion, share customer information with trustworthy third parties.

indiayogi.com may sell, rent or lease its customer lists to third parties. indiayogi.com may, from time to time, also contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your personal information (e-mail, name, address, and telephone number) may be transferred to the third party.

> indiayogi.com occasionally hires other companies to provide limited services on indiayogi.com's behalf, such as handling the processing and delivery of mailings, providing customer support, processing transactions, or performing statistical analysis of indiayogi.com's Services. indiayogi.com will provide those companies only that personal information which they require to deliver the Service. They are required to maintain the confidentiality of your information and are prohibited from using that information for any other purpose. indiayogi.com should not be held responsible and/ or be liable for any disclosure of such information by the other companies.

indiayogi.com may access and/or disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to:

> (a) conform to the edicts of the law or comply with legal process served on indiayogi.com or the Site;
(b) protect and defend the rights or property of indiayogi.com; or
(c) act under exigent circumstances to protect the personal safety of users of indiayogi.com Services or members of the public.

USE OF SERVICES

The indiayogi.com Site/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets and/or other message or communication facilities designed to enable you to communicate with others (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Use the Communication Service in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of other Users.

• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

• Upload files that contain material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents to do the same.

• Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.

• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.

• Download any file posted by another User of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

• Restrict or inhibit any other User from using and enjoying the Communication Services.

• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

• Harvest or otherwise collect information about others, including e-mail addresses.

• Violate any applicable laws or regulations.

• Create a false identity for the purpose of misleading others.

• Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of Users of an indiayogi.com Site/Service(s) or other User or usage information or any portion thereof.

Subscription-Based Content

Individual Subscriptions:

Some Services on indiayogi.com may be offered to you conditioned on your purchase of a subscription. If you elect to purchase subscription-based Services and transmit to indiayogi.com a subscription purchase request, you warrant that you are at least 18 years of age, that all information that you submit is true and accurate (including without limitation your credit card number and expiration date), and you agree to pay all subscription fees you incur plus all applicable taxes. You are not entitled to any refund once you have made a subscription purchase request. If you purchase a subscription from a source other than indiayogi.com, other cancellation terms may apply. Your subscription is personal to you and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and in additional charges based on unauthorized use.

Institutional Subscriptions:

indiayogi.com Services are available to schools, libraries and other organizations, conditioned on the purchase of a volume subscription and acceptance of the terms of any associated subscription agreement ("Institutional Subscribers"). In addition, subject to purchase of a subscription and payment of any associated fees, indiayogi.com grants such Institutional Subscribers the non-assignable, terminable, non-exclusive right to access and use, and the right to authorize Institutional Subscriber's Authorized Users to access and use subscription-based Services in accordance with the terms and conditions set forth herein. For purposes of this Agreement, "Authorized Users" may include students, teachers, faculty members, librarians, library patrons and/or other employees or Users of an Institutional Subscriber for whom the Institutional Subscriber has paid a fee to permit use of indiayogi.com Site. Institutional Subscriber shall not allow remote or dial-in access to the subscription-based Services. Institutional Subscriber shall use best efforts to prevent unauthorized use of subscription-based Services, and shall be solely responsible for all access to and use of the subscription-based Services, whether or not

> Subscriber/Institutional Subscriber has knowledge of or authorizes such access and use. indiayogi.com retains the right to audit Subscriber/Institutional Subscriber monthly for unauthorized uses of and/or access to the subscription-based content/Services. Subscriber/ Institutional Subscriber shall promptly notify indiayogi.com of any infringements of copyrights on the subscription-based content/Services or any unauthorized use of the subscription-based content/Services of which they become aware. Subscriber/ Institutional Subscriber shall co-operate with indiayogi.com in any investigation of such infringements or unauthorized uses. indiayogi.com shall have the sole right, at its expense, to bring any action on account of such infringements or unauthorized uses; provided that indiayogi.com will not bring an action against any Authorized User without first consulting with Subscriber/ Institutional Subscriber. Subscriber/Institutional Subscriber shall co-operate with indiayogi.com in any such action, in such manner as indiayogi.com may reasonably request and at indiayogi.com's expense. In the event of any infringement or unauthorized use by an Authorized User, Subscriber/ Institutional Subscriber shall take all reasonable steps to cause such Authorized User to cease such activity and to prevent any recurrence thereof. indiayogi.com reserves the right to immediately terminate this Agreement and/or access to indiayogi.com by Subscriber/ Institutional Subscriber or by Authorized User(s) for violation of the terms and conditions of this Agreement.

USE OF COOKIES

indiayogi.com may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

> One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalise indiayogi.com's pages, or register with indiayogi.com Site or Services, a cookie helps indiayogi.com to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to indiayogi.com, the information you previously provided can be retrieved, so you can easily use the indiayogi.com features that you customised.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the indiayogi.com Services you visit.

USE OF WEB BEACONS

indiayogi.com Web pages may contain electronic images known as Web beacons - sometimes called single-pixel gifs - that allow indiayogi.com to count users who have visited those pages and to deliver co-branded services. indiayogi.com may include web beacons in promotional e-mail messages or indiayogi.com Newsletters in order to count how many messages have been opened and acted upon. Web beacons are not used to access your personal information on the indiayogi.com network of Site and Services; they are a technique indiayogi.com uses to compile aggregated statistics about indiayogi.com Web site usage.

> Web beacons collect only a limited set of information including a cookie number, time and date of a page view, and a description of the page on which the Web beacon resides. indiayogi.com Web pages may also contain Web beacons placed there by third parties to help determine the effectiveness of our joint promotional or advertising campaigns.

USE OF THIRD PARTY AD NETWORKS

The majority of the online banner advertisements you see on indiayogi.com Web pages are displayed by indiayogi.com.

> In addition, indiayogi.com allows other companies, called third-party ad servers or ad networks, to display advertisements on indiayogi.com Web pages. Some of these ad networks may place a persistent cookie on your computer. Doing this allows the ad network to recognise your computer each time they send you an online advertisement. In this way, ad networks may compile information about where you, or others, who are using your computer, saw their advertisements and determine which ads are clicked on. This information allows an ad network to deliver targeted advertisements that they believe will be of most interest to you. indiayogi.com does not have access to or control of the cookies that may be placed by the third-party ad servers or ad networks.

If you have questions regarding this statement, you should contact indiayogi.com via e-mail.

Changes to this Statement

indiayogi.com will occasionally update this Privacy Statement to reflect company and customer feedback. When indiayogi.com posts changes to this Statement, you will see the word "updated" next to the Privacy Statement link on the front page of indiayogi.com. If there are material changes to this Statement or in how indiayogi.com will use your personal information, indiayogi.com will prominently post such changes prior to implementing the change. indiayogi.com encourages you to periodically review this Statement to be informed of how indiayogi.com is protecting your information.

Choice/Opt-Out policy

Our Site provides Users the opportunity to opt-out of receiving communications from us and our partners at the point where we request information about the visitor. This Site gives Users the option for removing their information from our database to not receive future communications or to no longer receive our service.