Privacy Policy

This website www.veinvest.in and other related internet based applications (collectively referred to as "website" or "services") are owned and operated by Vision Investments Solutions Private Limited, a company incorporated under the laws of Republic of India in Sep 2006 having its registered office C 102, Golden Square, Santacruz East, Mumbai  (hereinafter referred to as "we", or "us" or our or "Veinvest").

This privacy policy gives you details about our data collection methods and usage. You are advised to read this privacy policy along with the Terms of Use and other information in the website/applications.

Users please take note that any statements made on Veinvest website/applications shall not be construed as an offer or promises for grant of any financial services.

1. Use of Our Website or Services:

You will be able to use Our Website or Services as per Term of Use.

2. Information collected by Veinvest:

1. Information provided by users through our Website or Services will include details required for availing respective Services.
2. Information from credit bureaus and customer service providers to help Veinvest with  customer verification and diligence required by our company and group companies.
3. Log information: Search queries, IP address, crashes, date and time.
4. Location information: Your actual location.
5. Local storage: Browser web storage, application data caches.
6. Cookies and similar technologies.
7. Details required for administration or services and product improvement.
8. Record and/or monitor calls if Veinvest feels necessary for quality checks and staff training. Such recordings may also be used to help Veinvest combat fraud.
9. Feedback given by you.
10. Third-party advertisements: Veinvest may use third-party advertising companies to serve ads when you visit OUR Website/Application. These companies may use information about your usage preferences (but not your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. Veinvest  is not responsible for product and services of such websites and is also not responsible for their privacy practices, which Veinvest does not own, manage or control.
11. Termination of account: While you can terminate your account as per Terms of Use, your information may remain stored in archive on our servers even after the deletion or the termination of your account.
12. Retention of information collected: The information collected from you will be retained during the
    1. validity of your relationship and for the purpose of submission of such information.
    2. As consented by you while creating your agreement with us.
    3. As required by any regulatory norms including but not limited to the norms prescribed under Prevention of Money Laundering Act, 2002.

3. Use of information collected by Veinvest :

The information will be used by Veinvest for the following:

1. To provide products or services you have requested.
2. To provide information to our partners to assist in making, credit decisions about you.
3. To help investigate violations of our Terms of Use or to defend against legal claims.
4. To disclose the information under special circumstances such as compliance with the applicable local law, court summons, court orders, requests/order from legal authorities or law enforcement agencies requiring such disclosure.
5. Search credit bureaus and fraud prevention agencies.
6. To get in touch with you when necessary and contact you by email, SMS, letter, telephone or in any other way about our products and services.
7. To identify, prevent, detect or tackle fraud, money laundering, terrorism and other crimes.
8. To form a view of you as an individual and to identify, develop or improve products, that may be of interest to you.
9. Provide information to independent external bodies such as governmental departments and agencies, universities and similar to carry out research.
10. Perform other administrative and operational purposes including the testing of systems.
11. Trace your whereabouts.
12. Recover any payments you owe to Veinvest OR partners.
13. Comply with our regulatory obligations.
14. To show you advertisements.
15. Contact you as a survey respondent.
16. To maintain records under applicable law or a may apply to pursuant to agreements executed by Veinvest
17. Carry out, monitor and analyse our business, Carry out market research, business, and statistical analysis and also direct our efforts for product improvement.
18. Carry out audits.

4. Specific consent

1. You consent and grant us authority to share your information with third parties to
   • Provide the product or service you have requested.
   • To enable them to contact you or to certain service partners to respond to your queries/comments or to resolve service issues and to serve you better.
   • To collect information about you as mentioned in section 2 of this Privacy Policy and use the same for those purpose mentioned in section 3 of this Privacy Policy.
2. By using the Website/Services you authorize us, our affiliates & our associate partners to contact you via email or phone call or SMS and offer you their services/ product, imparting product knowledge, offer promotional offers running on their websites & offers offered by the associated third parties. Irrespective of the fact if also you have registered yourself under DND or DNC or NCPR service, you still authorize to give you a call from Veinvest  & its associates/partners for the above-mentioned purposes.

5. Security

Your account information is password-protected for your privacy and security. You shall be the custodian of your password and comply with the applicable terms mentioned in the Website/Application in this regard. This is applicable only to Directors who are assigned the password to operate on the webpage.

6. Changes in Privacy Policy

Our Privacy Policy might change from time to time, and Veinvest. It is not mandatory for us to  provide notice of it on your email address linked to your Account. Our Directors will keep you informed if necessary or you can view the same on our Website.

7. Incorporation of Privacy Policy to the Terms of Use

This Privacy Policy is incorporated to the Terms of Use (Terms) and other specific terms of this Website/Services/Account.

8. Contact

For any information regarding the Privacy Policy, please contact Vision Investment Solutions, C102, Golden Square CHS, Santacruz East, Mumbai.

Terms of Use

This website www.veinvest.in and other related internet-based applications (collectively referred to as "website" or "services") owned and operated by Vision Investments Solutions Private Limtied  ,inclusion management counsultancy &advisory services, a company incorporated under the laws of republic of India in Sep 2006 having its registered office unit no.C 102, Golden Square, Santacruz East, Mumbai  (Hereinafter referred to as "we", or "us" or "our" or "Veinvest").

These general Terms of Use (hereinafter referred to as the "terms") shall constitute a valid and binding legal agreement between us and the user of our website/services (hereinafter, where the context so requires, "you" or "user" are referred to interchangeably).

Users of this website or services offered by us are requested to read these terms before registering, accessing, browsing, downloading or using anything from the website by accessing or while using the website or the services.

You understand and agree that Veinvest will treat your use of the website or services as acceptance of these Terms of Use.

Users, please take note that any statements made on our website shall not be construed as a promise for grant of any services.

A. Introduction

1. The Terms are governed by the provisions of the applicable Indian laws, the rules, regulations, guidelines, and clarifications framed thereunder, including but not limited to:
   • The Indian Contract Act, 1872;
   • The Information Technology Act, 2000
   • The Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011
   • The Information Technology (Intermediaries Guidelines) Rules, 2011
2. These Terms and your activity under these Terms are an electronic record as per the (Indian) Information Technology Act, 2000 and these Terms being electronically generated by a computer system does not require any physical or digital signatures.
3. Veinvest  reserves the right to modify these Terms and other policies applicable in general and to specific areas of our Services or to a particular service which shall also be considered as part of these Terms, at any time without giving you any prior notice and such changes shall be binding on you.
4. You shall revisit these Terms from time to time to stay abreast of any changes that we may introduce to these Terms. Your use of our Website or Services pursuant to any such modification shall be treated as your acceptance to follow the modified Terms as applicable.
5. By using our Website, you agree to these Terms. Further you represent and warrant to us that:
   • You are a person who is not barred or otherwise legally prohibited from receiving or using the Website or Services under the laws of the country in which you are resident or from which you access or use the Services.
   • You are a resident of the Republic of India.
   • You shall not impersonate any person or entity or falsely state or otherwise misrepresent age, identity or affiliation with any individual or entity
   • Notwithstanding anything contained herein you agree that:
     1. Veinvest reserves the right to deny your registration/access as a User and deny Services without assigning any reason whatsoever
     2. The information contained in this Website or Services does not constitute any advice or recommendation with respect to such financial instruments or consultancy or corporate information . You understand that the objective is to give you information for making informed decisions and to compare with similar Services. All information provided is therefore for general information purposes only.
     3. You have also understood we advise that independent professional advice is taken by you on all matters that you are dealing with Veinvest . This opinion is obtained before you purchase any product and Service. OR enter into an consultancy agreement with Veinvest.
6. By using the Website or Services, you grant consent to Veinvest to the use of your information as outlined by Veinvest in its Privacy Policy. You understand that this Website uses cookies; by using this Website, you agree to these Terms and consent to Veinvest use of cookies in accordance with the terms of Veinvest  Privacy Policy.

B. Using the website/ services

1. Acceptance: By using the Services you agree to unconditionally accept and agree to comply with and be bound by these Terms. Subject to the aforesaid Veinvest grant you permission to use the Website or Services subject to the restrictions in these Terms. Your use of the Services is at your risk.
2. Communications: Once you have assigned to work with us , you agree to receive certain communications in connection with the Website or the Services. By using the Services and/or registering yourself with Veinvest you authorize Veinvest , Veinvest  affiliates, and associates, partners to contact you via email or phone call or SMS and offer you their services for the services you have opted for. We would share information on new deals, offer special projects/ corporate options etc through website & offers offered by the associated third parties. Veinvest may also pass your information to third party financial services companies for the purpose of them, tell you about their services or products.
3. Service Fee: You agree that you shall pay a fee for the Services as per terms of the specific services provided by the Services. The fee once paid shall be non-refundable, unless agreed by Veinvest in writing. The payment of fee is for the consultancy service provided by Veinvest
4. Availability of Website or any Services: Veinvest Website or Services may be modified, updated, interrupted, suspended or discontinued at any time without notice or liability.

C. Grant of authority

1. Veinvest  may as a result of your interaction for the consultancy services hold and process personal information obtained about you. When you access the Services and provide information the same will be deemed as your authorisation to Veinvest.
   1. To use it for making project proposals or decision to provide any Services
   2. To other service providers for offer various products or consultancy services which you may need
   3. For fraud prevention and debt collection
   4. To understand your financial needs & access your requirements for corporate consultancy.
   5. Servicing Veinvest consultancy relationship with you and to conduct Veinvest business and to provide you with better customer services and products
2. You grant Veinvest authority to pass such information to other agents as permitted by law so that they may do the same and they may pass information held by them about you to Veinvest.
3. Veinvest will not disclose any such information outside of Veinvest except as mentioned above other than for fraud prevention purposes and/or if required/obliged by law or Governmental or judicial bodies or agencies or to Veinvest regulators under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as Veinvest contractors / consultants  or where Veinvest have your consent or have previously informed you.
4. By consenting to these Terms, You hereby grant Veinvest authority, power and also authorize Veinvest  or Veinvest authorized representatives to do all acts on your behalf as may be necessary for the purpose of providing the Services/ Consultancy  sought by you through the options discussed with you and as mentioned in the webpage.

D. Proprietary rights

1. You do not have the right to use any of Vision Investment Solutions Private Limited trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to copy and use the software, text, images, graphics, video, and audio used on this Services ("Content"). You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.
2. Veinvest  neither represents nor warrants that your use of materials displayed on the Website/Services will not infringe rights of third parties.

E. Prohibited conduct

1. By using Veinvest Services you agree that you shall not:
   1. use Veinvest Services for spamming or any other illegal purposes
   2. Infringe Veinvest or any third party's intellectual property rights, rights of publicity or privacy.
   3. post or transmit any message which is libellous, defamatory or which discloses private or personal matters concerning any person.
   4. post or transmit any message, data, image or program which violates any law
   5. refuse to cooperate in an investigation or provide confirmation of your identity or any other information you provide to Veinvest.
   6. remove, circumvent, disable, damage or otherwise interfere with security related features of the Veinvest or features that enforce limitations on the use of Veinvest and Website.
   7. upload any content that constitutes negligent advice or contains any negligent statement, an incitement to commit a crime or contains instructions for the commission of a crime or the promotion of criminal activity; or any content which is in contempt of any court, or in breach of any court order; or discriminates on the basis of age, sex, religion, race, gender; harassing, invasive of another's privacy, blasphemous; in breach of any contractual obligations or depicts violence or is pornographic, paedophilic, obscene, suggestive or sexually explicit; or consists of or contains any instructions, advice or other information which may be acted upon and could, if acted upon, cause illness, injury or death, or any other loss or damage; or constitutes spam; or is grossly harmful, offensive, deceptive, fraudulent, threatening, abusive, hateful, harassing, anti-social, menacing, hateful, discriminatory or inflammatory; or causes annoyance, inconvenience or needless anxiety to any person; or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or harm minors in any way or otherwise unlawful in any manner whatever; upload any content that threatens the unity, integrity, defence, security or sovereignty of any country, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any nation;
   8. upload any content that contains software viruses, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer resource.
   9. reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of Veinvest and its services or any part thereof or infringe any patent, trademark, copyright or other proprietary rights
   10. use Veinvest activity / services in any manner that could damage, disable, overburden, or impair, including, without limitation, using Veinvest activity / services in an automated manner
   11. modify, adapt, translate or create derivative works based upon Veinvest activity/ services or any part thereof
   12. intentionally interfere with or damage operation of Veinvest activities/ services or any other User's use of Veinvest and Website, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features
   13. use any robot, spider, other automatic devices, or manual process to monitor or copy Veinvest activities /services without prior written permission of Veinvest.
   14. interfere or disrupt Veinvest services or networks connected to the services offered.
   15. take any action that imposes an unreasonably or disproportionately large load on Veinvest infrastructure/network
   16. use any device, software or routine to bypass Veinvest activity through robot exclusion headers, or interfere or attempt to interfere, with Veinvest and Website;
   17. forge headers or manipulate identifiers or other data to disguise the origin of any content transmitted through Veinvest or to manipulate your presence on Veinvest services and Website
   18. use the facilities and capabilities of Veinvest to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others; breach these Terms or any other policies of Veinvest
   19. provide false, inaccurate, or misleading information to Veinvest and its Website
   20. use Veinvest actuity/ services to collect or obtain personal information, including without limitation, personal information about other Users of Veinvest Website.
2. Although Veinvest may from time-to-time monitor or review postings, transmissions, and the like on the Website Veinvest is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information within such locations on the Website.
3. You are prohibited from posting or transmitting any unlawful, threatening, libellous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law.
4. Veinvest retains the right to remove any such posting and will fully cooperate with any law enforcement authorities or court order requesting or directing Veinvest to disclose the identity of anyone posting any such information or materials.

F. Display/ advertisements/ web links

1. Veinvest has not reviewed any sites that may be linked to the services and is not responsible for the content of any off-site pages or any other sites linked to the Website. Your linking to any other off-site pages or other sites is at your risk.
2. Veinvest display on or through the services of various services or product options offered by third parties does not in any way imply, suggest, or constitute any sponsorship, recommendation or approval or advise of Veinvest of any such third parties or their products.
3. You agree that Veinvest is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Services is at your risk, and Veinvest will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
4. You agree that you may need to agree with terms and condition of such third parties by accessing their services and the same will be at your sole risk and responsibility. Further, the obligations that may arise

G. Inaccuracies

While Veinvest uses reasonable efforts to include accurate and up to date information at the Website, Veinvest makes no warranties or representations as to the Website's accuracy. Veinvest disclaims all liability for the accuracy, completeness, or correctness of such information.

H. Security

While Veinvest uses reasonable efforts to safeguard the security of the Website, there can be no guaranty that such safeguards will successfully prevent unauthorized alterations in the content or functionality of the Site. Veinvest assumes no liability or responsibility for any unauthorized changes in the content or functionality of the Website/services.

I. Disclaimer of warranty

The Services and all content and services provided on the Services are provided on an "as-is" and "as-available" basis Veinvest expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Veinvest makes no warranty, and expressly disclaims any obligation, that:

1. The content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances
2. The services will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis
3. The results that may be obtained from the use of the services or any services offered through the site will be accurate or reliable
4. The quality of any products, services, information, or other material obtained by you through the services will meet your expectations.

J. Limitation of liability

Veinvest (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for:

1. Any injury, death, loss, claim, act of God, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with
   1. Any failure or delay (including without limitation the use of or inability to use any component of the Website)
   2. Any use of the Services or content,
   3. The performance or non-performance by Veinvest or any provider, even if Veinvest have been advised of the possibility of damages to such parties or any other party
2. Any damages to or viruses that may infect your computer equipment or other property as the result of your access to the Services or your downloading of any content from the Services.

K. Use information on these services

Except as expressly permitted by these Terms, no portion of the information on this Website may be reproduced in any form, or by any means, without Veinvest prior written permission.

L. Governing law and jurisdiction

1. The laws of India, without regard to its conflict of laws rules, will govern these Terms, as well as your and Veinvest observance of them.
2. If you take any legal action relating to your use of the Services or these Terms, you agree to file such action only in the courts located in Mumbai, India

M. Details of grievance officer

1. In accordance with Information Technology Act, 2000 and rules made there under, the name and contact details of the Grievance Officer of Veinvest are as provided below:
   • Name: Shobha Suresh
   • Address: C 102, Golden Square CHS, Santacruz East, Mumbai
   • Email id: shobha@veinvest.com
2. If the matter is not resolved at the first instance by the Grievance Officer, then the same may then be settled by arbitration by a single Arbitrator appointed by Vision Investment Solution Pvt Ltd. The arbitration shall be held, in Delhi, in accordance with the provisions of the Arbitration and Conciliation Act, 1996. The language of Arbitration shall be in English.

N. Breach of the terms

Without prejudice to Veinvest other rights under these Terms, if you breach these Terms in any way, or if Veinvest suspect that you have breached these Terms in any way, Veinvest may

1. Send you one or more formal warnings
2. Temporarily suspend your access to Veinvest information and its services
3. Permanently prohibit you from accessing Veinvest information and Services
4. Block computers using your IP address from accessing Veinvest Services
5. Contact any or all of your internet service providers and request that they block your access to Veinvest information and Services
6. Commence legal action against you, whether for breach of contract or recovery of amounts due or damages or otherwise
7. Suspend or delete your account on Veinvest.

O. Feedback

1. Your feedback makes use of Veinvest and Services better; please feel free to share it with InCred Wealth on info@veinvest.com. Unless specifically admitted by Veinvest or as required by law all feedback shall be non-confidential in nature
2. Veinvest will assume no responsibility for reviewing unsolicited ideas and will not incur any liability as a result of any similarities between those ideas and materials that may appear in future programs of Veinvest.
3. Please do not reveal trade secrets or other confidential information in your messages to Veinvest. Any and all rights to materials submitted to Veinvest become the exclusive property of Veinvest.

P. Miscellaneous

1. You hereby agree that Veinvest may assign, transfer, sub-contract or otherwise deal with Veinvest rights and obligations under these Terms. You may not, without Veinvest prior written consent, assign, transfer, sub-contract or otherwise deal with any of your rights and obligations under these Terms.
2. If Veinvest fails to act on your breach or anyone else's breach on any occasion, Veinvest is not waiving Veinvest right to act with respect to future or similar breaches.
3. If any of these Terms is found to unenforceable or invalid by a court, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will continue to remain valid and enforceable.
4. These Terms, together with those agreements made a part of these Terms by reference, make up the entire agreement between Veinvest and you relating to your use of the Services, and replace any prior understandings or agreements (whether oral or written) regarding your use of the Website/Services.
5. In any such action or for any action Veinvest may initiate, Veinvest will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees.

Product Presentation Disclaimer

Vision Investment Solutions Private Limited   (herein after referred to as " Veinvest "), is engaged in the business of investment consultancy / management consultancy/corporate consultancy r acts as a referral agent of third-party financial products and services ("Investment Products"). Veinvest may earn fees, commissions from the manufacturers of Investment Products/ consultants/ referral agents / third party.

Veinvest does NOT provide investment advisory services in any manner or form through which you will be sold a product. We will only give you options which you will have to discuss with your Investment Advisor/ Tax Consultant & CA prior to taking any decision.

Veinvest may discuss with you ("Client/investor") about investment products that are in line with your risk profile rating as maintained with us. This is consultancy service provided as per your request. As mentioned above this has to be approved by Investment Advisor/ Tax Consultant & CA prior to taking any decision.

Such discussion would be a service without any consideration by Veinvest to the Investor and the final investment decision shall always exclusively remain with the investor. Veinvest OR its team will not be responsible to the final decision that Client/ Investor makes.

Clients/ Investors should independently evaluate the investment, risks and carry out the required due diligence prior to making any investment decision.

Investment products are subject to market risks and are not guaranteed by Veinvest. Investment products are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, investments are subject to market risks which may result in appreciation or depreciation. There is no assurance or guarantee that the objectives of investment will be achieved.

The risks associated with the Investment products are mentioned in the product documentation supplied by the manufacturer of the products. Please read the relevant disclosure documents or Term Sheet or investment agreement or offer documents or prospectus or scheme information document as applicable carefully before investing.

Information and opinions contained in this report/presentation have been obtained from sources believed to be reliable, but no representation or warranty, expressed or implied, is made that such information is accurate or complete.

This document has been prepared in good faith and provided to you by Veinvest for informational purposes only, is intended for your use only and may not be quoted, circulated or otherwise referred to without Veinvest expressed consent. This document is not a research report or a research recommendation and does not constitute a personal recommendation.

The information and opinions are not and should not be construed as an offer or solicitation to buy or sell -any securities or make any investments. The financial instrument discussed, and opinions expressed in this presentation/note may not be suitable for all investors, who must make their own investment decisions, based on their own investment objective, financial positions and respective needs. This presentation /note should not be taken in substitution for the exercise of independent judgement by any recipient. The recipient should independently evaluate the investment, risks and carry out the required due diligence.

The client is solely responsible for consulting his/her/its own independent advisors as to the legal, tax, accounting and related matters concerning investments and nothing in this document or in any communication shall constitute such legal, tax or accounting advice.

As a condition for providing this information, the client agrees that Veinvest makes no representation and shall have no liability in any way arising to them or any other entity for any loss or damage, direct or indirect, arising from the use of this information.