Terms of Use
This Agreement sets forth the terms and conditions that apply to the access and use of the websites www.gtssolutions.net, www.gtsims.com, www.gtsstech.com (the “Websites”), which is owned and operated by GOVIND TRADING SOFTWARE SOLUTIONS Private Limited, (hereinafter referred to as “GTSS”), a company incorporated under the laws of India and registered under the Companies Act, 1956.
By accessing the Website or registering an account on the Website, the users (hereinafter referred to as “you”, or “your”) agree to be bound by the terms and conditions of these Terms of Use, the Legal Disclaimer and the Privacy Policy, as posted elsewhere on the Website. 
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ACCEPTANCE OF TERMS CONTAINED HEREIN CONSTITUTES THE AGREEMENT BETWEEN YOU AND GTSS FOR THE PURPOSE AS DEFINDED HEREUNDER.
Table of Contents 
I. INTRODUCTION.
II. ACCEPTANCE OF TERMS.
III. YOUR REGISTRATION.
IV. ACCURATE REGISTRATION INFORMATION.
V. ALERTS/ONLINE INFORMATION.
VI. PRIVACY AND YOUR PERSONAL INFORMATION.
VII. THIRD PARTY SERVICE PROVIDERS.
VIII. THIRD PARTY LINKS/OFFERS.
IX. ELIGIBILITY CRITERIA.
X. ACCOUNT AGGREGATOR SERVICE – TERMS OF USE.
XI. THIRD PARTY SITES.
XII. BILL DESK SERVICE.
XIII. DEACTIVATION OF SERVICE(s) and TERMINATION OF AGREEMENT.
XIV. INTELLECTUAL PROPERTY RIGHTS.
XV. DISCLAIMER OF WARRANTIES.
XVI. LIMITATION OF LIABILITY.
XVII. RULES FOR POSTING.
XVIII. MISCELLANEOUS.
Service Limitations.
Service Changes and Discontinuation.
Password Protection.
Customer Service Requests.
Obey the Law.
Access and Interference.
Restrictions on Commercial Use or Resale.
Rights You Grant to GTSS as regards Content You Provide.
Endorsements.
Not an Investment Advisor, Planner, Broker or Tax Advisor.
Force Majeure.
Indemnification.
Promotional Offers.
Subscription Fees and Additional Charges.
Third Party Products and Services.
Electronic Communications.
Assignment.
No Waiver.
Exclusive Agreement.
Arbitration.
Governing Law and Jurisdiction. 
I. INTRODUCTION
The Terms of Use (“Agreement”) sets forth the terms and conditions (“Terms”) that will apply to your access and use of the website located at www.gtssolutions.net, www.gtsims.com, www.gtsstech.com (collectivitely referred to as “WEBSITES” in this document), which is owned and operated by GOVIND TRADING SOFTWARE SOLUTIONS Private Limited (“GTSS” or “Company”), a company incorporated under laws of India and registered under the Companies Act, 1956. By registering for the Services (as defined later), you agree to be bound by the Terms of this Agreement and the Legal Disclaimer and Privacy Policy available at the Website and as may amended from time to time.
GTSS reserves the right to make changes to Terms at any time. Your continued use of the Website and/or Services shall mean your deemed acceptance of the modified Terms. 
GTSS, through its third party services provider(s), hereby offers you an option to link your financial accounts (hereinafter referred to as “Linked Accounts”), which would enable you to have a consolidated view of the balances lying in your Linked Accounts and tracking transactions across all your Linked Accounts. The Website also enables you to undertake online payments of your bills (“Bill Payment Services”) through its third party services provider(s). GTSS may offer additional services on certain specific Terms, from time to time, which can be activated by you at your will and consent (“Additional Service(s)”).
Account Aggregator Service, Bill Payment Service and Additional Service(s) and use of such other information, tools, alerts, articles, views, videos, information, advices, calculators, analysis, report, data, contents, news, prices, statistics, comments, feedback, advertisement, features and functionality and other services on the Website, are hereinafter jointly referred to as “the Services,” and individually as “Service”. 
II. ACCEPTANCE OF TERMS
This Agreement describes the Terms governing the usage of the Services provided to you on the Website. Clicking “I Agree” to “Terms & Conditions” on the registration page, after you have read all the Terms of the Agreement, shall be considered as your acceptance of this Agreement. Your continued usage of the Services from time to time would also constitute acceptance of the Terms including any updation or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein.
Your electronic consent, accepting these Terms, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person. If you choose not to accept these Terms, you will not be entitled to use the Services. However, GTSS has the option to reject your registration to this Website without assigning any reasons whatsoever.
GTSS reserves the right at its sole discretion to make changes to these Terms, for such reason as it deems fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the Services, company reorganisation, market practice or customer requirements. Upon any change, GTSS will notify the updated Terms on the Website or other means. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by Terms, as amended. If you do not agree to the changes, you may please discontinue your use of the Services. 
You can review the most current version of the Terms at any time, by clicking the Terms & Conditions link on the login page of the Website.
You agree and authorise GTSS to share your information with its group companies and other third parties, in so far as required for joint marketing purposes/offering various services/report generations and/or to similar services to provide you with various value added service, to aid you in managing your finances. You agree to receive emails from GTSS or its third party vendors regarding the Services updates, information/promotional emails and/or product announcements. Please also read the Privacy Policy for more information and details. Please refer to our Privacy Policy at http://www.gtssolutions.net/PrivacyPolicy.html
III. YOUR REGISTRATION
Upon successful registration to the Services and payment of Subscription Fee, if applicable, your Account would be activated. You agree and understand that you are solely responsible for maintaining the confidentiality of your password which, together with your Login ID, allows you to access the Service. That Login ID and password, together with any mobile number or other contact information you provide, form your “Registration Information”.
By providing us with your email address and mobile number, you agree to receive all required notices and information electronically, to that email address or mobile number. It is your responsibility to update any changes to your email address and mobile number. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the email or through a link to the appropriate page on the Website, accessible through any standard, commercially available internet browser. If you become aware of any unauthorized use of your Registration Information, you agree to notify GTSS immediately at the customer service helpdesk, the details of which are available on the Website. GTSS shall not be liable for any unauthorized use or access, unless it is proved that the unauthorized use or access occurred solely due to reasons directly attributable to GTSS.
IV. ACCURATE REGISTRATION INFORMATION 
You shall provide true, accurate, current and complete information about yourself and the Linked Accounts and undertake to inform/update of any change in your Registration Information promptly and keep it up-to-date and accurate at all times, as it has a direct bearing on the provision of Services by GTSS. You agree not to misrepresent your identity nor will you make an attempt to make an unlawful access to the website or use of the services.
The Account Aggregator Service also allows you to link the accounts of your family members who might have authorized you in this regard, in which case you shall be acting under proper authorization from your family members. GTSS shall not be responsible for any claim or breach of privacy, unlawful access etc. by your family members/entity.
Any misrepresentation in providing the Registration Information or Linked Accounts shall render the Services void ab initio, but without any recourse on GTSS. GTSS shall not be held responsible for any reason whatsoever if the Registration Information is incorrect at any point in time. Failure to provide accurate and complete information during registration may prohibit the use of the Account Aggregator Service.
V. ALERTS/ONLINE INFORMATION
GTSS may send automatic alerts and voluntary account-related alerts from time to time. Certain voluntary account alerts may be turned on by default, as part of the Services. You may customize, deactivate or reactivate these voluntary alerts based on your individual preferences and options available. GTSS may add new alerts (automatic/voluntary/compulsory) from time to time, or cease to provide certain alerts at any time, upon its sole discretion. Each alert has different options available and you may be asked to select from among these options on activation of your alerts service.
The alerts will be sent to you electronically on your email address and/or mobile number as per your most recent Registration Information available with GTSS. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts. You hereby agree and consent to receive all transactional alerts at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, you further authorize GTSS to share/disclose the information to any third party service provider or any affiliates, group companies, their authorized agents or third party service providers.
However, sending of short messaging service (SMS) alerts are subject to TRAI regulations and also to your telecom service provider, as may be applicable from time to time. GTSS cannot be held responsible for non-delivery or delay in delivery of SMS alerts to your mobile number.
You agree and understand that alerts are not encrypted. Alerts may include some of your personal and sensitive information. Depending on which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email/mobile will be able to view the content of these alerts; therefore, you should take proper care to prevent any unauthorized access to the said alerts to protect your own interest.
While GTSS would endeavor to provide alerts under the Services in a timely and accurate manner, you understand and agree that any such alerts may be delayed or prevented by a variety of factors. You agree that GTSS shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party, on the reliance of an alert. Further, the delivery of alert messages are subject to compliance of any local laws or guidelines, as may be enforced from time to time and you agree to abide by such compliance requirement, as and when notified by governing authorities.
VI. PRIVACY AND YOUR PERSONAL INFORMATION
The Registration Information and such other information provided by you to GTSS under this Agreement shall at all times be governed by GTSS’s data protection practices as per its Privacy Policy available on the Website here:
http://www.gtssolutions.net/PrivacyPolicy.html. This Privacy Policy explains how GTSS treats your personal information when you access the Website and use the Services. You agree and authorize GTSS to share your information with its group companies, associate companies, third party service providers, so far as required for joint marketing purposes/offering various services/report generation and/or to similar services to provide you with various value-added services.
The Privacy Policy may be updated from time to time at GTSS’s sole discretion and/or as per legal requirement. Changes will be effective upon posting of the revised Privacy Policy on the Website.
GTSS may transfer sensitive personal data or information to another Indian or overseas body corporate if it is necessary for the performance of Services, and you hereby consent to such data transfer.
You agree and understand that all Account Credentials of other Financial Institutions provided by you for your use/consolidated view are encrypted and stored by our Third Party Service Provider, GODADDY (GoDaddy.com, LLC is a wholly-owned subsidiary of Desert Newco, LLC., a Arizona Corporation having its principal place of business at 14455 N. Hayden Rd., Ste. 226, Scottsdale, AZ 85260 USA), in USA.
VII. THIRD PARTY SERVICE PROVIDERS
The Services on the Website are enabled through various third party service providers, including but not limited to the following: GODADDY (GoDaddy.com, LLC is a wholly-owned subsidiary of Desert Newco, LLC., a Arizona Corporation having its principal place of business at 14455 N. Hayden Rd., Ste. 226, Scottsdale, AZ 85260 USA), in USA. which will provide internet hosting and data storage. GTSS reserves its right, in its sole discretion, to replace/appoint/re-appoint any or all third party service providers to ensure uninterrupted provision of Services. 
VIII. THIRD PARTY LINKS/OFFERS
Certain parts of the Services could be supported by sponsored links from advertisers and display GTSS offers (“GTSS Offers”) that may be custom matched to you based on information stored in the Services, queries made through the Services, or any other information. You agree and understand that GTSS will always disclose such information when a particular GTSS Offer is sponsored.
In connection with GTSS Offers, the Services may provide links to websites belonging to such advertisers and other third parties, which are beyond the control of GTSS. GTSS does not endorse, warrant or guarantee the products or services available through the GTSS Offers (or any other third party products or services advertised on or linked from our site), whether or not sponsored, and GTSS shall neither be construed as an agent or broker of such advertisers or third parties, nor otherwise be responsible for the activities or policies of their websites. The usage of such service, if any, shall be entirely on the basis of the terms and conditions between you and the service provider.
GTSS does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Website, are actually the terms that may be offered to you, if you pursue the offer, or that they are the best terms or lowest rates available in the market.
IX. ELIGIBILITY CRITERIA
You declare and confirm that you are a resident of India, above 18 (Eighteen) years of age, and have the capacity to contract as specified under the Indian Contract Act, 1872, while availing the Services offered herein.
X. ACCOUNT AGGREGATOR SERVICE – TERMS OF USE
The Account Aggregator Service allows you to retrieve and view your financial information which is available on different websites, of your Linked Accounts, all at one place. In that sense, the information would be aggregated for you. The Account Aggregator Service is enabled through software which performs the function of an aggregator, whereby you, as a user, would be permitted to view your financial information related to the Linked Accounts. You shall select and choose the facility of linking your account in your sole and absolute discretion. However, the selection of the financial information/account which you choose to aggregate shall depend/vary from time to time, as per the discretion of GTSS/Software provider.
The software which is used for the availing of the Account Aggregator Services is third party software licensed by GTSS. GTSS therefore cannot and does not make any representations in respect of the software, its functionalities or its features. GTSS understands that the software would permit you to retrieve and view your financial information, which is available at certain identified websites, all at one place. In that sense, the information would be aggregated for you. However, in the event of any inadequacy in the performance of the software, you should intimate the same to GTSS, so that GTSS can address the issues on your behalf with the software vendor. 
Having chosen this facility to link accounts, you, with the aid of the software, would be in a position to retrieve your own information maintained online by third party financial institutions with which you have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). GTSS makes no effort to review the Account Information for any purpose, including but not limited to accuracy, legality or non-infringement. 
WITH THE ACCOUNT AGGREGATOR SERVICE, YOU MAY VIEW, MAINTAIN AND MANAGE INFORMATION STORED AT VARIOUS WEBSITES. THE REGISTRATION ALLOWS YOU TO ACCESS WEBSITES OF BANKS AND FINANCIAL INSTITUTIONS WHEREIN YOU HOLD ACCOUNTS/MERCHANT ONLINE SITES BY SIGNING IN TO THE WEBSITE. You hereby authorize and permit GTSS/its Third Party Service Providers to use the information (such as account passwords and users names) submitted by you, to retrieve your Account Information for providing the Account Aggregator Services and to configure the said services so that it is compatible with the third party sites, for which you submit your information.
For all purposes hereof, you hereby grant GTSS/its Third Party Service Providers a limited power of attorney, and you hereby appoint GTSS/its Third Party Service Providers as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party sites, retrieve information, and use your information, with the full power and authority to do and perform each and every act and thing, requisite and necessary to be done, in connection with the Account Aggregator Services, as fully to all intents and purposes as you might or could do in person.
YOU ACKNOWLEDGE AND AGREE THAT WHEN GTSS OR ITS THIRD PARTY SERVICE PROVIDERS ARE ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, GTSS OR ITS SERVICE PROVIDERS ARE ACTING AS YOUR AGENT AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. 
You agree that Third Party Service Providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. However, you agree and understand that the amount of time taken for aggregating the information which is sought cannot be guaranteed, and the aggregator service may take time to gather the information; therefore, your patience is requested and will be required, while the information is being aggregated.
You also understand that there could be a possibility that the bank/financial institution/third party website prevents GTSS or its Third Party Service Providers from aggregating the Account Information. In such an event, the Third Party Service Providers would not be able to collect and provide you with the desired information. GTSS shall not be held responsible in any manner whatsoever, for any such inability to access the desired Account Information.
THE ACCOUNT AGGREGATOR SERVICE OFFERS CONVENIENCE BY SAVING THE USERS FROM HAVING TO SIGN INTO EACH OF THESE ACCOUNTS BY ACCESSING THE WEBSITES SEPARATELY. OUR THIRD PARTY SERVICE PROVIDER (“YODLEE”) SECURELY STORES THE USER NAME AND PASSWORD OF EACH OF THESE BANK ACCOUNTS/OTHER ACCOUNTS ETC.
HOWEVER, GTSS AND ITS THIRD PARTY SERVICE PROVIDERS RESPECT YOUR PRIVACY AND USE THE INFORMATION PROVIDED BY YOU, SOLELY FOR THE PURPOSE OF PROVIDING ACCOUNT AGGREGATOR SERVICES. GTSS, HOWEVER, DOES NOT STORE THE USER NAME AND PASSWORD OF EACH OF THESE BANK ACCOUNTS/OTHER ACCOUNTS ETC. 
WE RESPECT YOUR PRIVACY AND DO NOT INTEND TO STORE ANY OF THE PASSWORDS OF BANKS OR OTHER ACCOUNTS THAT YOU WOULD PROVIDE TO US. THE ACCESS INFORMATION/LOGIN DETAILS ARE STORED ON THE SERVERS OF RESPECTIVE WEBSITES OF BANKS/MERCHANTS ETC., AS THE CASE MAY BE. BY SIGNING INTO WEBSITES – ACCOUNT AGGREGATOR SERVICE, THE ACCOUNTS LINKED THEREIN BY THE USER ARE AUTOMATICALLY SIGNED INTO.
You further represent that you are the legal owners or you are authorized for operation, of your Linked Accounts at third party websites and that you have the authority to (i) designate us and/or Third Party Service Provider(s) as your agent(s), (ii) use the Website and (iii) provide your passwords, usernames, and all other information relevant to provide you with the Account Aggregator Services. The Linked Accounts will get aggregated based on the information provided by you, without going into verification, and GTSS shall not be liable for any wrong or inaccurate information with respect to your Linked Accounts. 
GTSS reserves the right to use the information accessed and aggregated by you to provide you with better services, information and alerts from time to time. The Account Aggregator Service tools and services are subject to such charges and fees, as may be made applicable from time to time. GTSS reserves the right to change such charges/fees for these services, as deemed fit and proper. GTSS will notify you about the charges/fees electronically and intimation shall be provided to you at the email address provided by you at the time of registration.
DATA AND INFORMATION UNDER ACCOUNT AGGREGATOR SERVICE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY, AND IS NOT INTENDED FOR TRADING OR TRANSACTIONAL PURPOSES. IN CASE YOU WISH TO TRADE OR PERFORM ANY TRANSACTIONS, YOU WILL BE DIRECTED TO THE RESPECTIVE THIRD PARTY WEBSITES, IN WHICH CASE YOU WILL BE ABIDING BY THE TERMS & CONDITIONS OF THE RESPECTIVE THIRD PARTY WEBSITES. 
You agree that GTSS is not liable for any errors, inaccuracies or delays in the content or aggregation, or for any actions taken on reliance thereof. The services which you may be able to access through the Website are services of identified Banks or Merchants etc. The Website provides links to identified Banks or Merchants etc. for your convenience only. GTSS does not endorse or recommend the services of any Bank or Merchants etc. The Bank or Merchants etc. you select is solely responsible for its services to you.
GTSS is not liable for any damages or costs of any type arising out of, or in any way connected with your use of the Account Aggregator Services or the services of the Bank, or Merchants or third party sites etc., as the case may be. There may be a situation where the use of Account Aggregator Services at the instance of the bank, merchant may result in withdrawal/cancellation/discontinuation of your Account due to any reasons whatsoever. You agree that in such an event, you will not hold GTSS liable for withdrawal/cancellation/discontinuation of your Account or consequent damages or losses. You may also add information into the Website for accounts not available at other websites or which are not linked online to the Website. In such a case, you are solely responsible for the accuracy of such information.
You also agree and understand that data feeds, prices, rates and other similar market value information about any product or asset or property or securities or account information could be based on delayed feeds and these data or information may not reflect the real time values/actual rates. 
XI. THIRD PARTY SITES
By using the Services, you hereby authorize GTSS and its Third Party Service Providers to access the websites of third parties designated by you specifically to link to your account on the Website, on your behalf, so as to register and enable the Linked Accounts, as requested by you. GTSS would act as your agent/power of attorney holder for this limited purpose. The Website does not have the capability to initiate any transaction affecting your Linked Accounts or provide notices or instructions affecting such Linked Accounts. Transactions and inquiries that you may initiate on the Linked Accounts at such Bank/Merchants/third party sites are not made through the Website and GTSS assumes no responsibility for such transactions or inquiries. You are responsible for the fees charged by the Bank/Merchants/third parties in connection with such transactions and Linked Accounts, and you agree to comply with the terms and conditions of those accounts and use of services.
If you have a dispute or question about any transaction on such website(s), you shall direct those to the respective providers of the Linked Accounts. Third party websites shall be entitled to rely on the authorizations, agency and power of attorney granted by you to GTSS, under this Agreement. GTSS has no relationship to, affiliation, or connection with any such third party websites available for use with the Services, except where the third party websites belong to group or associate companies wherein you hold an account. However, the Services are not endorsed or sponsored by any such third party websites/providers. You agree and understand that Linked Accounts or services and information of group/associate company are not in any manner intended as being endorsed by GTSS, nor is it intended to be construed as being endorsed by GTSS. You agree and understand that you can choose and avail of the services and information of any other service provider, including for undertaking any transaction or for any other investment related matter. Such services and offerings will be as per the terms and conditions agreed by and between you and the service provider offering such services.
You agree that GTSS assumes no responsibility and shall incur no liability with respect to the acts, omissions, or determination of any such third party website. You acknowledge and agree that the Website may not maintain the same level of security against unauthorized access to your account information as the third party websites from which you have authorized GTSS to retrieve information on your behalf. 
XII. BILL DESK AND PAYMENT SERVICE
GTSS, through IndiaIdeas.com Limited (Bill Desk), facilitates an online service that allows you to make bill payments to various vendors (“the Billers”) registered by you, provided that the said Billers are available on the Bill Desk network (Bill Payment Services). Bill Desk may, at its sole discretion, add or delete their tie up with Billers. GTSS/Bill Desk is not a bank, savings association or any other type of depositary institution. GTSS does not accept funds for purposes of transfer or for deposit. Bill Desk Service pays only when you instruct to pay in the manner you have registered (Payment Instruction). While using the bill payment services provided by Bill Desk, you agree to and understand the terms and conditions of using such services, at the link provided here: http://www.billdesk.com/billpayterms.htm
In order to use the Bill Payment Service, you must provide all information about you, your Billing Account/Payment Account, and other information that is requested during the registration process. You will also be required to provide information regarding your accounts with Billers, when scheduling a Bill Payment or setting up a Biller with the Bill Payment Service. This information must be accurate and complete, and you agree to update registration information as necessary. Failure to provide accurate and complete information during registration may prohibit the use of the Bill Payment Service or result in errors in your requested Bill Payments.
You agree to not misrepresent your identity or your account registration information. You also certify that any payment account you register with the Services is issued in your name and is an account that you are authorized to use.
You may pay bills using a Credit/Debit Card (“Card”). When you initiate a bill payment transaction and/or issue a Payment Instruction and provide your Card details, you warrant that you are fully and lawfully entitled to use such a Card for such transaction(s). You are responsible for ensuring that the Card details provided by you are accurate.
You may cancel or modify the Payment Instructions in the manner provided by Bill Desk. GTSS shall incur no liability for any reason whatsoever, if you are unable to effect any Payment Instruction on the Payment Date for any reason whatsoever, or you are unable to stop or prevent the implementation of the Payment Instructions. GTSS shall, at its discretion, with prior intimation to the User, charge the User for availing of or cancellation or modification of the Payment Instructions.
As the Bill Payment Services are provided by Bill Desk, GTSS does not warrant that the bill payment transactions will be completed. Neither GTSS nor any of its affiliates nor their directors, officers or employees will be liable to or have any responsibility of any kind for any loss that you may incur in case of (a) deficiency in the services of Bill Desk; (b) errors in or omissions from www.billdesk.com and its content, including but not limited to technical inaccuracies and other errors; (c) unavailability, failure or disruption of the site of Bill Desk resulting from the act or omission of any other party involved in making this site or the data contained therein available to you; (d) any third party websites or content therein directly or indirectly accessed through links on www.billdesk.com, including but not limited to any errors in or omissions there from; or (e) from any other cause relating to (i) your access to; (ii) inability to access; (iii) wrong debit or credit of payment; (iv) use of the site or the materials provided therein; (v) your use of equipment or software in connection with www.billdesk.com; or (v) for any other reasons in relation to the bill payment services of www.billdesk.com. All such matters shall only be between you and www.billdesk.com and not with GTSS.
You agree and understand that neither GTSS nor any of its affiliates, subsidiaries, employees, officers, directors and agents (i) warrants or represents that (a) the functions or materials accessible from or contained at www.billdesk.com will at all times be uninterrupted or error free; (b) defects will be corrected; (c) www.billdesk.com or the server that makes it available is virus or bug free; or (d) the materials and services on www.billdesk.com are fully functional, accurate and reliable; and (ii) expressly disclaim any liability for deficiency in the services offered by Bill Desk.
XIV. DEACTIVATION OF SERVICE(s) and TERMINATION OF AGREEMENT
You shall have an option to deactivate the Service(s) by following the administrative rules prescribed by GTSS from time to time. The deactivation request(s) would be processed and you shall receive deactivation intimation for your future records and reference. If you use Bill Payment Services and your services account is suspended or cancelled/deactivated, it may result in any scheduled payments/pending electronic payments to also be suspended or cancelled. Deactivation of Services will automatically lead to the termination of this Agreement. Upon deactivation of Services, GTSS shall not be liable to refund the subscription fee, if any, paid either in whole or in part.
GTSS may, at any time, terminate this Agreement with you immediately upon notice:
If you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement).
If GTSS, in its sole discretion, believes it is required to do so by law or regulatory authority.
If you are found to upload any objectionable content.
If you have provided false and incorrect information as a part of your Registration Information.
X V. INTELLECTUAL PROPERTY RIGHTS
The contents of the Website, including its “look and feel” (e.g. text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programmes) and other material are the owned/licensed by/to GTSS and/or its Third Party Service Providers/their licensors and are duly protected by them under applicable copyright, trademark and other laws. You acknowledge and agree that GTSS and/or its licensors or suppliers own all rights to this Website, the content displayed on the site and any intellectual or proprietary property and/or technology (in any form) made available to you as a part of or in conjunction with the Services.
You are only permitted to use any of the foregoing as expressly authorized by these Terms, and otherwise, by the Services. You may download or print a copy of the information provided on this Website for your personal, internal and non-commercial use only. You may not copy, re-print, reproduce (electronically or otherwise), distribute, or create derivative works from any content on the Website, in whole or in part, for any other purpose without our prior written consent. Further, you agree not to reverse engineer or reverse compile any technology associated with the Services, including but not limited to any software applications or Java applets associated with the Services Content, from the Website, in whole or in part. 
XVI. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
GTSS AND ITS SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, SERVICES AND OTHER CONTENT (INCLUDING THAT OF THE THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. 
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, GTSS AND ITS THIRD PARTY SERVICE PROVIDERS ARE NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY DATA FROM ANY THIRD PARTY OR FOR ANY INTERRUPTIONS IN THE AVAILABILITY OF ANY SERVICES, WHETHER THE RESULT OF ACTIONS BY GTSS, OR ANY THIRD PARTY.
GTSS MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE WEBSITE OR OF THE SERVICES (WHETHER OR NOT SPONSORED BY THIRD PARTY SERVICE PROVIDERS), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. GTSS MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
CATEGORIZATION OF YOUR TRANSACTIONAL INFORMATION WITHIN THE SERVICES IS ESTIMATION PROVIDED FOR YOUR INFORMATION ONLY, AND GTSS DISCLAIMS ALL WARRANTIES OF ACCURACY FOR ANY USE, INCLUDING WITHOUT LIMITATION, TAX DEDUCTION. GTSS AND ITS SERVICE PROVIDERS MAKE NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM GTSS OR ITS SERVICE PROVIDERS OR THROUGH OR FROM GTSS OR ITS SERVICE PROVIDERS, WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
XVII. LIMITATION OF LIABILITY 
YOU AGREE THAT NEITHER GTSS NOR ANY OF ITS AFFILIATES, SUBSIDIARIES, LICENSORS, SUPPLIERS, SERVICE PROVIDERS, THIRD PARTY DEVELOPERS, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, OPPORTUNITY, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF GTSS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM GTSS; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vi) ANY OTHER MATTER RELATING TO THE SERVICES. 
NIETHER GTSS NOR ANY OF ITS AFFILIATES , DIRECTORS , OFFICERS OR EMPLOYEES, WILL BE LIABLE OR HAVE ANY RESPONSIBILTY OF ANY KIND FOR ANY DIRECT OR INDIRECT LOSS OR DAMAGE THAT YOU MAY INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR from any other cause relating to your access to, inability to access, or use of the Website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of the Website or of any vendor providing software or services support. In no event, will GTSS be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind. 
IN ALL CASES, THE MAXIMUM LIABILITY, IF ANY, SHALL BE RESTRICTED TO THE EXTENT OF SUBSCRIPTION FEES, IF ANY PAID BY YOU, TO GTSS FOR USE OF SERVICES WHICH ARE OFFERED BY GTSS. UNDER NO CIRCUMSTANCES SHALL GTSS BE LIABLE FOR YOUR USING THESERVICES OFFERED OR PROVIDED BY ANY THIRD PARTY SERVICE PROVIDER.
XVIII. RULES FOR POSTING
As part of the Services, GTSS may allow you to post content on bulletin boards, blogs and at various other publicly available locations on the Website. These forums may be hosted by GTSS or by one of its third party service providers on GTSS’s behalf. While posting any content, you agree to follow certain rules, including but not limited to the following:
a. You shall be solely responsible for all content you post on the Website.
b. By submitting content to us, you represent that you have all necessary rights and hereby grant GTSS a perpetual, worldwide, non-exclusive, royalty-free, sub licensable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of the content in connection with the Website and GTSS business, including without limitation for promoting and redistributing part, or all of the site (and derivative works thereof) in any media formats and through any media channels.
c. You also hereby grant other users of the Services a non-exclusive license to access your posted content through the Website, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Website and under this Agreement.
d. You shall not post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person. You may not post or transmit any message, data, image or programme that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive; that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law; or that is otherwise inappropriate. 
e. You shall not post or transmit any message, data, image or programme that would violate the property rights of others, including unauthorized copyrighted text, images or programmes, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion. 
f. You may not interfere with other users use of the Services, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Website, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Services’ infrastructure, or that negatively affects the availability of the Service to others.
g. Except where expressly permitted, you shall not post or transmit charity requests; petitions for signatures; franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements); club memberships; chain letters; or letters relating to pyramid schemes. You shall not post or transmit any advertising, promotional materials or any other solicitation of other users to use goods or services except in those areas (eg. a classified bulletin board) that are designated for such a purpose.
h. You shall not copy or use personal, identifying or business contact information about other users of the Services without their permission. Unsolicited emails, mailings, telephone calls, or other communications to individuals or companies whose contact details you obtain through the Services are prohibited.
i. You agree that GTSS may use any feedback, suggestions, or ideas you post in any way, including in future modifications of the Services, other products or services, advertising or marketing materials. You grant GTSS a perpetual, worldwide, fully transferable, sub-licensable, non-revocable, fully paid-up, royalty- free license to use the feedback you provide to GTSS in any way.
You agree to also comply with Community Guidelines, in addition to the terms of this Agreement.
XIX . MISCELLANEOUS
Service Limitations
GTSS will try to make your experience with the Website a productive one. However, GTSS cannot always foresee or anticipate technical or other difficulties. The Services may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other service interruptions. For this reason, you agree that, except as explicitly stated otherwise in these Terms, the Services is provided “AS IS”, without warranties of any kind. GTSS does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings. 
GTSS and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non availability of the Website, and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. GTSS will not be responsible for any liability arising out of delay in providing any information on the Website.
Service Changes and Discontinuation
GTSS reserves the right to discontinue or suspend, temporarily or permanently, the Services, by giving 48 (forty eight) hours notice, on a best effort basis, unless it is merely to change certain features/contents of the Services and/or Website or maintain the security and integrity of the Services. You agree that GTSS will not be liable to you in any manner whatsoever for any modification or discontinuance of the Services.
Password Protection
You shall not be entitled to avail of the Services without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. Please notify GTSS immediately of any unauthorized use or access of your password or Account, or any other breach of security. GTSS will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.
Customer Service Requests
If you request customer service assistance or report a problem with the Services, it may be necessary for GTSS to access your account and view your account information.
Obey the Law
You agree not to use the Services for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening, or obscene, or that infringes the rights of others.
Access and Interference
You agree that you will not:
a. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website, without GTSS’s express written consent, which may be withheld at GTSS’s sole discretion.
b. Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines and search agents available through the Services and other than generally available third party web browsers (such as Microsoft Explorer).
c. Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the Services.
d. Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the Services.
Restrictions on Commercial Use or Resale
Your right to use the Services is personal to you; therefore, you agree not to resell or make any commercial use of the Services.
Rights You Grant to GTSS as regards Content You Provide
Your usage of this Website provides an implied license to GTSS and its service providers, including Yodlee to use, modify, display, distribute any information, data, materials, or other content you provide to GTSS and that is retrieved from third party sites at your request and new material created (collectively, “Content”) for the purpose of providing the Services. 
In addition, GTSS welcomes your feedback as a user of the Services. Any feedback you provide will become the confidential and proprietary information of GTSS, and you agree that GTSS may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to GTSS. GTSS shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into GTSS or other GTSS software or services.
Endorsements
All product and service marks contained on or associated with the Services that are not GTSS marks, are the trademarks of their respective owners. GTSS would require you to respect the same. References to any such names, marks, products or services of third parties or hypertext links to third party sites or information does not imply GTSS’s endorsement, sponsorship or recommendation of the third party, information, product or service.
Not an Investment Advisor, Planner, Broker or Tax Advisor
Neither GTSS nor the Services are intended to provide any legal, tax or financial or securities related advice. You agree and understand that GTSS is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. The Services are intended only to assist you in your financial organization and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the Services may not be appropriate for your situation.
Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimer provided on the Website.
Force Majeure
Under no circumstances shall GTSS and any of its Third Party Service Providers be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.
Indemnification
You agree to protect and fully compensate GTSS, its affiliates, subsidiaries, licensors, suppliers and service providers, employees, officers and directors, Yodlee and its affiliates, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the Services, your violation of the Terms or your infringement, or infringement by any other user of your Account, of any intellectual property or other right of anyone.
You agree that Yodlee is a third party beneficiary of these provisions, with all rights to enforce such provisions as if Yodlee were a party to this Agreement.
Promotional Offers
GTSS may, from time to time, announce certain offers with intent to promote its Website and/or Services (Promotional Offers). The Promotional Offer(s) would always be governed by these Terms plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms, to the extent they may be in conflict with these Terms. GTSS reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion. Subscription Fees and Additional Charges
The Users agree to pay the different charges for the usage of Website and for its Services thereof as may be specified on the Website from time to time (Subscription Fee). Currently, the Subscription Fee is payable in advance on an annual renewal basis; however, GTSS reserves its right to revise the subscription model from time to time, at its sole discretion. Subscription Fee may be specified in one or more categories based on features of the Services. Users shall have the option to subscribe for the Services under any one of such category. Once subscribed, the User shall not be allowed to downgrade the subscription category, until the subscription comes up for renewal. Once paid, there would be no refund of Subscription Fee unless the Services are voluntarily discontinued by GTSS, at their sole discretion and convenience. In such an event, the Subscription Fee shall be refunded on a proportionate basis, as per the extant administrative rules of GTSS. GTSS reserves its right to change the Subscription Fee (or its categories) without any prior intimation. All such changes would be effective prospectively. Notwithstanding anything herein, the Promotional Offer(s) may specify Subscription Fee at differentiated rate(s), which would be applicable solely for the corresponding Promotion Offer(s) and not otherwise.
You are responsible for any and all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider. You further agree to pay additional charges, if any levied by Third Party Service Provider(s), for the services provided by them through the Website (Additional Charges); e.g. when you use the Bill Payment Service to make an expedited payment, you agree to pay any applicable charges and authorize the processor bank to deduct or charge all such Additional Charges from your designated bank account. These Additional Charges would be in addition to any fees that may be imposed by the payee. You are responsible for fees for your use of the Services even if a payee refuses or is unable to process a requested Bill Payment, or if the payee processes only a portion of the amount owed for a Bill Payment. 
Third Party Products and Services 
GTSS reminds you to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to sites containing information or material that may be offensive or inappropriate to some people. GTSS makes no effort to review the content of these sites, nor is GTSS or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites. 
In addition, GTSS does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that GTSS does not pre-screen content, but that GTSS will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the Services. 
Electronic Communications
These Terms and any notices or other communications regarding the Services may be provided to you electronically, and you agree to receive communications from GTSS in electronic form. Electronic communications may be posted on the Services Website and/or delivered to your registered email address, mobile phones etc. All communications in electronic format will be considered to be in “writing”. Your consent to receive communications electronically is valid until you revoke your consent by notifying GTSS of your decision to do so. If you revoke your consent to receive communications electronically, GTSS shall have the right to terminate the Services.
Assignment
You shall not assign your rights and obligations under this Agreement to any other party. GTSS may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.
No Waiver
Neither GTSS nor any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing and signed by GTSS. No delay or omission on the part of GTSS or any of its Service Providers and processor bank/merchants etc., in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
Exclusive Agreement
You agree that these Terms are the complete and exclusive statement of agreement between you and GTSS and supersede any proposal or prior agreement, oral or written, and any other communications between you and GTSS and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms. These Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and GTSS and/or the processor bank.
Arbitration
Any dispute, controversy or claim arising out of or in relation to this Agreement, including a breach or termination thereof, shall be settled by a sole arbitrator to be appointed mutually by GTSS and you, in accordance with the provisions of the Arbitration and Conciliation Act, 1996, or amendment thereto. In the event we are unable to reach an agreement on the sole arbitrator, we agree to have a panel of three arbitrators appointed, of which one shall be appointed by each of us, and the third arbitrator appointed by the two arbitrators. The venue for arbitration shall be Bangalore. The arbitral procedure shall be conducted in the English language and any award or awards shall be rendered in English. 
Governing Law and Jurisdiction
The Website specifically prohibits you from usage of any of its Services in any countries or jurisdictions that do not corroborate to all stipulations of these Terms. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Bangalore, India having exclusive jurisdiction.
Last updated: 
01-Dec-2013