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about the capital of aditya birla
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aditya birla capital (“the brand“) is the unique brand for the financial services business of the aditya birla group. The “aditya birla capital” trade logo and the url www.adityabirlacapital.com are the property of aditya birla management corporation private limited (trademark owner) and are used as contained herein under license from aditya birla capital limited (abcl) and its subsidiaries (hereinafter collectively referred to as “abc companies“). Aditya Birla Capital Limited is the holding company for all financial services companies.
Reading: What affects the stock market
www.adityabirlacapital.com(“the website”) is maintained and administered by aditya birla financial shared services limited (with registered office at 18th floor, one india Bull Center, Tower 1, Jupiter Mills Compound, Senapati Bapat Marg, Elphinstone Road, Mumbai- 400013). the information available on www.adityabirlacapital.com relates to abcl and/or abc companies on all associated webpages/sites that are linked to www.adityabirlacapital.com (“hereinafter the website >”) .
all abc companies have their own separate legal identities and webpages (details are embedded on their respective pages/websites), but on this website they may sometimes use ‘group’, ‘us’ or ‘we’ when referring to abc companies in general or when no useful purpose is served by identifying a particular abc affiliate.
terms and conditions and acceptance
This Agreement describes the terms that govern your use of the facilities provided to you on the Website. Clicking “I accept” in “Terms and Conditions” will be deemed your electronic acceptance of this Agreement under the Information Technology Act of 2000. Your continued use of the Facilities from time to time would also constitute acceptance of the Terms. of use, including any updates or modifications to it, and you will be bound by this agreement until this agreement terminates as defined herein.
authorization to the facility provider
You also agree and authorize abc companies/its third-party service providers to communicate with you using the contact information provided for service-related communication related to your product or facility offerings, even if your number is on the national do not call registry.
an identification in aditya birla capital
You can create a unique ID on the website to manage and conduct all financial and non-financial transactions with ABC Companies. one ID allows you to have a single login ID to view and transact all of your product and service needs across abc companies. you can create an abc ID on the website or on any of the abc company web pages (account.abc.com registration page) using your email id and login credentials registered with the abc companies. respective abc companies while availing the products/services and completing the authentication procedure in the manner specified at the time of ID creation.
Once you have created an ID, you can link and view all your financial products held with abc companies on a single web page through the verification/authentication procedure as appropriate to your account/financial products held with the respective companies abc.
You can choose not to create an ID, in which case you won’t be able to display all of your abc company products on one page. In circumstances such as duplicate email id/phone number, you may not be able to create the unique id. in such circumstances, you must contact the abcl affiliate with whom you have had the product/used the services to enable the update of the email id/phone number.
In the event that you forget your username or password, you can reset them by using the Forgotten Username and Password link available on the Website and completing the authentication procedure specified on the Website.
lifetime money planner
To help you with your money needs, you can take advantage of the moneyforlife planner (‘moneyforlife planner/ planner’) feature. The MoneyForLife Planner Facility is powered by Aditya Birla Money Limited, a subsidiary of ABCL. moneyforlife planner provides an indicative assessment of your money needs based on factors such as income, age, family members and your future, your future money requirements and current lifestyle status based on the details you filled in in the online questionnaire. the planner provides an indicative view on the generic investment opportunities available in the form indicated by you. the results provided by the planner are generic in nature and do not necessarily reflect the actual investment profile you may have and you are not required to act on it. The planner provides a generic indication of your money needs to allow you to prioritize your investment needs based on rules. therefore, the search results displayed by the scheduler cannot be interpreted as fully accurate/complete.
There is no fee, consideration or financial benefit associated, either directly or indirectly, with making use of the evaluation through moneyforlife planner and, therefore, it should not be considered as investment advice or financial planning and /or investment advisory services.
you accept and understand that the use of the moneyforlife planner does not guarantee the achievement of your investment objectives and there is no guarantee that the money objectives will be achieved, since it is subject to the performance of the values, the forces that affect the stock market and its risk profile. You are advised to consult an investment adviser should you wish to undertake financial planning and/or investment advice to meet your investment requirements.
You also agree that the risks associated with any investment shall be entirely yours and you will not hold abcl and/or abc companies or any of their employees responsible for any losses that may arise from any investment made in reliance on the use of Planner. money for life.
All investment decisions will be made by you in your sole discretion. You are advised to carefully read the respective offering documents for more details on risk factors, terms and conditions before making any investment decision in any scheme or product or loan or securities product. all investments in any product/fund/securities, etc. will be made on the basis of, subject to and in accordance with the terms and conditions of the specific product/fund/security offering document, key information memorandum, risk disclosure document, product or sales prospectus or any other related document offering the respective issuer of said product/securities. You may use the execution platform/services with any third party as you see fit and there is no obligation to use the execution services through this website.
is not an investment advisor, planner, broker or tax adviser
Website facilities are not intended to provide any type of legal, tax, financial, or securities-related advice. You agree and understand that the Website is not and will never be construed as a financial planner, financial intermediary, investment adviser, broker or tax adviser. the facilities are intended solely to help you with your money needs and decision making, and are broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the Facilities may not be appropriate for your situation. accordingly, before making any final decision or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisors who are fully aware of your individual circumstances. for more details, please also refer to the legal notices provided on the website.
We can provide you with various solutions and money options that are generally available based on your investment profile or those that are generally available to people with a similar investment profile. you authorize us to use/disclose the information to provide the financial solutions, however, you do not need to act on it. it only serves for an indicative use of the information that you can execute in the form agreed by you.
You will not be entitled to use the facilities without the use of a username and password. you are responsible for maintaining the confidentiality of your password and account, and you will not allow anyone else to use your password at any time. you are fully responsible for all activities that occur under your password or account. You are requested to notify www.adityabirlacapital.com immediately of any unauthorized access or use of your password or account, or any other breach of security. the website will not be liable for any loss you may incur as a result of someone else using your password or account, either with or without your knowledge.
intellectual property rights
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This website contains information, materials, including text, images, graphics, video and sound (“materials“), which are protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in these materials are owned by ABCL or have been licensed to the facility provider, ABCL/ABC Companies by the owners of those rights so that they may use these materials as part of this website. Other than materials belonging to third parties, the abc companies retain copyright to all information, including text, graphics and sound, and all trademarks displayed on this website that are owned by abcl or are licensed by abcl and/or used under license by the abc companies.
you shall not (a) copy (whether by printing on paper, storing on disk, downloading or otherwise), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit , alter, enhance, transmit or manipulate in any way or use any material contained on the website. these restrictions apply in relation to all or part of the materials on the website; (b) copy and distribute this information on any other server or modify or reuse text or graphics on this system or on another system. no reproduction of any part of the website may be sold or distributed for commercial purposes or modified or incorporated in any other work, publication or website, whether in hard copy or electronic format, including postings on any other website; (c) remove any copyright, trademark or other proprietary notices contained in the original material from any material copied or printed from the Website; link to this website; without our express written consent.
Although every effort is made to ensure that the information and content provided as part of this website is correct at the time of its inclusion on the website, the accuracy of the information is not guaranteed. This website makes no representations or warranties as to the fairness, completeness or accuracy of the information. makes no commitment to update or correct any information that appears on the internet or on this website. information is provided on the condition that the recipients make their own determination as to its suitability for their purposes prior to use or in connection with making any decisions. any use of this website or the information is at your own risk. neither abcl nor the abc companies, nor their officers, employees or agents shall be liable for any loss, damage or expense arising out of access to, use of or reliance on this website or the information, or any website linked to this website.
This website is provided to you “as is” and “where is”, without any warranty. abcl, for itself and for any abc companies and third parties providing information, materials (defined below), facilities or content to this website, makes no representations or warranties, whether express, implied, statutory or otherwise, of merchantability, fitness for a particular purpose, or non-infringement of the rights of third parties, with respect to the website, the information or any product or facility to which the information refers. abcl shall not be liable to you or any third party for damages of any kind, including, but not limited to, direct, indirect, incidental, consequential, or punitive damages, arising out of or in connection with the site, including, without limitation, your use of this site. or your inability to use the site, even if abcl has been previously advised of the possibility of such damages. any access to information hosted on third party websites of billers/banks/merchants/abc companies etc. It is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering from these ABC companies or third parties.
facility provider or abcl or the abc companies shall have absolutely no liability in connection with the information and material published on this website, including any liability for damage to your computer hardware, data, information, materials or business resulting from the information and/or material or the lack of information and/or material available on the website. In no event shall abcl or the abc companies be liable for any special, incidental, consequential, exemplary, or punitive damages for any loss, arising out of or in connection with (a) the use, misuse, or inability to use this website; (b) unauthorized access to or alteration of your transmissions or data; (c) statements or conduct of any third party on the site; or (d) any other matter of any nature related to this website.
Furthermore, the facility provider may not always foresee or anticipate technical or other difficulties. installations may contain bugs, glitches, or other problems. these difficulties may result in data loss, personalization settings, or other installation interruptions. the website assumes no responsibility for the timeliness, deletion, misdelivery, or failure to store user data, communications, or personalization settings.
the provider of the facilities, abcl, the abc companies and the information providers will not be responsible, at any time, for any failure in the operation, error, omission, interruption, deletion, defect, delay in the operation or transmission , computer virus, communication line failure, theft or destruction or unauthorized access, alteration or use of the information contained in this website.
form of use of personal information
You may receive emails/communications/notifications from third-party service providers regarding facility updates, promotional information/emails/sms, and/or updates on new product/service announcements as permitted by law.
use of the website in india
This website is controlled and operated from India and no representation is made that materials or information are appropriate or available for use in other locations. If you use this website from outside of India, you are fully responsible for compliance with all applicable local laws. There is no guarantee or representation that a user in one region will be able to obtain installations of this website in another region.
Information published on the Website may contain references or cross-references to products, programs and services offered by abc/third party companies that are not announced or available in your country. such references do not imply that such products, programs or facilities are intended to be announced in your country. You can consult your local advisors for information about the products, programs and services that may be available to you.
In your use of the Website, you may enter into correspondence, purchase goods and/or facilities, or participate in promotions from advertisers or members or sponsors of the Website, including those of the ABC Companies. Unless otherwise stated, any correspondence, advertising, purchase or promotion, including delivery of and payment for goods and/or facilities, and any other terms, conditions, warranties or representations associated with such correspondence, purchase or promotion, is solely between you and the applicable abc companies and/or third parties.
you agree that abc companies/facility provider has no responsibility or liability for any such correspondence, purchase or promotion between you and any other abc companies and/or third parties.
Third Party Websites
This website may be linked to other websites (including those of abc companies) on the world wide web that are not under the control or maintenance of abcl. such links do not indicate any responsibility or endorsement on our part for the external website in question, its content or the links displayed on it. these links are provided for your convenience only, to help you find relevant websites, facilities and/or products that may be of interest to you quickly and easily. it is your responsibility to decide whether the facilities and/or products available through any of these websites are suitable for your purposes. facility provider or abcl is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in connection with any of these or accept any liability in connection with any of these (including any liability arising from any claim that the content of any external website to which this website includes a link infringes the intellectual property rights of any third party).
use of the application
publications and monitoring
facility provider or abcl or abc companies do not routinely monitor your postings on the website, but reserve the right to do so if they deem it necessary if it is related to the facilities offered on the website and to comply with the law. however, in our efforts to promote good citizenship within the internet community, if the facility provider or abcl or the abc companies becomes aware of inappropriate use of the website or any of its facilities, any information, opinion, Advice or offer posted by any person or entity logged on to the Website or any of its associated sites should be construed as public discussion only, and the Service Provider or the ABC Companies shall not be liable for any such public discussion. you agree that, in such cases, we will respond in such manner as, in our sole discretion, we deem appropriate. You acknowledge that the Facility Provider or the ABC Companies shall have the right to report to law enforcement authorities any action that may be considered illegal, as well as any information it receives of such illegal conduct. Upon request, ABC Companies/Facility Providers will cooperate fully with law enforcement agencies in any investigation of suspected illegal Internet activity.
Unauthorized submissions and use of any material contained on this website may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations, and other laws and applicable regulations. you are solely responsible for your actions or the actions of anyone using your username and/or password. as such, you shall indemnify and hold harmless the facility provider, abcl/abc companies and their officers, directors, employees, affiliates, agents, licensors and business associates from any and all losses, costs, damages, liabilities and expenses ( including attorneys’ fees) incurred in connection with, arising out of, or in order to avoid, any claim or demand by any third party that your use of the Website or the use of the Website by any person using your username and/or password (including, without limitation, your participation in the posting areas or your submissions) violates any applicable law or regulation, or the rights of any third party.
If you find any infringement/violation or offensive material, you should report it to us at [email protected]
changes in facilities and discontinuation
The website reserves the right to discontinue or suspend, temporarily or permanently, the facilities. You agree that the Facility Providers/ABC shall not be liable to you in any way for any alteration or discontinuation of the Facility. the format and content of this website may change at any time. We may suspend the operation of this website for support or maintenance work, in order to update the content or for any other reason.
abcl, the abc companies and their directors, employees, associates or other representatives shall not be liable for any damages or injuries arising out of or related to the use or lack of use, including the unavailability of the website. and also for any consequential loss or damage caused by lack of system performance due to computer virus, system failure, data corruption, delay in operation or transmission, communication line failure or any other reason. the website will not be responsible for any liability arising from the delay in providing any information on the website.
you agree not to:
- use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tool, program, algorithm or methodology to access, acquire, copy or monitor the Website or any part of the Website .
- 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 search engines generally available by third-party web browsers
- post or transmit any file that contains viruses, worms, Trojan horses, or any other contaminating or destructive features, or that interferes with the proper working of the website. or the Facilities.
- attempt to decipher, decompile, disassemble or reverse engineer any software that comprises or is part of the Website or the Facilities.
- you agree not to use the Facilities to unlawful purposes or for the transmission of material that is unlawful, harassing, libelous (false and harmful to others), invasive of another’s privacy, abusive, threatening, or obscene, or infringes the rights of others .
commercial use or resale restrictions
Your right to use the facilities is personal to you; therefore, you agree not to resell or make any commercial use of the installations. In addition, the website welcomes your comments as a user of the facilities. any feedback you provide will become the confidential and proprietary information of the website, and you agree that the website may use in any manner and without limitation, all comments, suggestions, complaints and other feedback you provide in connection with the website . The Website shall have a worldwide, royalty-free, non-exclusive, perpetual, irrevocable right to use the Comments for any purpose, including, without limitation, the incorporation of such Comments into the Website or other software or facilities of the Website.
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All product and facility marks contained in or associated with the facilities that are not marks on the website are the trademarks of their respective owners. the website will require you to respect the same. References to such third party names, brands, products or facilities or hypertext links to third party sites or information do not imply endorsement, sponsorship or recommendation of the website of the third party information, product or facilities.
charges for the use of the website
There are no charges or fees to be paid for the use of this website. however, you are responsible for all telephone access fees and/or internet service fees that may be charged by your telephone and/or internet service provider. In addition, you agree to pay additional charges, if charged by third party service providers, for the facilities provided by them through the Website (Additional Charges).
You are advised to be cautious when browsing 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 third party websites. the website makes no effort to review the content of these websites, and neither the website nor its licensors are responsible for the validity, legality, copyright compliance, or decency of the content contained on these sites.
In addition, the website does not endorse or control the content of any other user and is not responsible for any content, even if it may be unlawful, harassing, libelous, invasive of privacy, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that infringes or may infringe the intellectual property or other rights of another. You acknowledge that the Website does not pre-screen Content, but that the Website shall have the right (but not the obligation) in its sole discretion to reject, edit, move or delete any Content that is made available through the Facilities.
You shall not assign your rights and obligations under this Agreement to any other party. the website may assign or delegate its rights and/or obligations under this agreement to any other party in the future, directly or indirectly, or to an affiliated or group company.
The information provided on or through the Website is for general guidance and information purposes only and does not indicate any warranty or opinion of any kind. any information may be prone to deficiencies, defects or inaccuracies due to technical reasons. certain information on the website may be based on our own evaluation of the applicable facts, laws and regulations in force on the date hereof.
Information (and opinions, if any) contained on the Website may have been obtained from public sources believed to be reliable and numerous factors may affect the information provided, which may or may not have been taken into account. therefore, the information provided may vary (significantly) from information obtained from other sources or other market participants. any reference to past performance in the information should not be taken as an indication of future performance. the information depends on various assumptions, individual preferences and other factors and, therefore, the results or analyzes cannot be interpreted as completely accurate and may not be suitable for all categories of users. therefore, they should not be solely relied upon when making investment decisions. your investment or financial decision will always be at your own discretion and based on your independent research; and nothing contained on the website or in any information would imply that abcl/abc companies or any of their employees/authorized representatives have been involved in any way in their decision-making process. any information and comments provided on the website are not intended as an endorsement or offer of any stock or investment advice.
nothing contained in this document should be construed as a recommendation to use any product, process, equipment or formulation, in conflict with any patent, or otherwise and facility provider/abcl/abc companies makes no representation or warranty, express or implied, that use thereof will not infringe any patent, or otherwise. Information on this website originating from experts or third party service providers, which may also include references to any affiliates of ABCL. however, no such information shall be construed to represent that they are owned, represented or endorsed by the views of the facility provider or the abc companies. any information provided to or from the abcl affiliate belongs to them. abcl is an independent entity and such information from any abcl affiliate is in no way intended to be or should be construed as endorsed by abcl or the facility provider. the information does not constitute financial or investment advice or advice to buy or sell, or to endorse or solicit to buy or sell any security or other financial instrument for any reason. nothing on the website or the information is intended to constitute legal, tax or investment advice, or an opinion as to the suitability of any investment or solicitation of any kind. Investing in the stock market and any financial instruments are inherently risky and you will always bear full and complete responsibility for the results of all financial or investment decisions you make, including, but not limited to, capital losses. therefore, you are advised to obtain your own legal, accounting, tax, or other applicable professional advice or facilities before making or considering any financial or investment decision.
no information on this website shall constitute an invitation to invest in abcl or any abc company. these are intended for general information only or to comply with legal requirements or disclosures. abcl or any of its employees are not in any way responsible for your use of the information, in making any decision or investing or trading through any abc investment vehicle or companies, or any other third party that may be involved. in the offer of these services.
The information contained on this website does not represent and should not be used to interpret (i) the terms on which a new transaction would be entered into by abcl or the abc companies, (ii) the terms on which any existing transaction could be settled by abcl or abc companies, (iii) the calculation or estimate of an amount that would be payable upon early termination of any past/existing transaction or (iv) the valuations given to any transaction by abcl or abc companies in their books of account for financial reporting, credit, or risk management purposes.
abcl and the abc companies are engaged in a wide range of activities in the financial services sectors. you understand and acknowledge that aditya birla money limited (‘abml‘), aditya birla finance limited (‘abfl‘) and aditya birla sun life asset management company limited and trustees and sponsor of aditya birla sun life mutual fund (‘abslmf‘) are group companies and abml/abfl also acts as a distributor of abslmf. any recommendation or reference of abslmf schemes if any is made or mentioned on the website, the same is based on the standard evaluation and selection process, which would be applied uniformly for all mutual fund schemes. you are free to choose execution facilities as you see fit and abslmf will not pay any commission to abml/abfl if you choose to execute a transaction with abslmf on the website, unless you and abml/abfl separately agree otherwise . information about abml/abfl, their businesses and details of the fee structure receivable from asset management companies to abml/abfl are also available on their respective websites.
Similarly, aditya birla money insurance advisory services limited and aditya birla insurance brokers limited are insurance intermediaries and are engaged in the distribution of insurance products and their services may include products of aditya birla sun life insurance company limited and aditya birla health insurance company limited. . however, there is no conflict over these services and commissions if any payable is in accordance with current regulations.
facility provider, abc companies and any of their third party service providers shall not 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, but not limited to, internet failures, computer equipment failures, telecommunications equipment failures, other equipment failures, electrical power failures, strikes, viruses, other malicious computer code, hacking, labor disputes, riots, insurrections , civil unrest, shortage of labor or materials, fire, flood, storm, explosion, force majeure, war, earthquake, government action, domestic or foreign court or tribunal orders, third party default, loss or fluctuations in heating, light or air conditioning.
facility provider, abc companies or any of their third party service providers and processing bank/merchants etc. shall not be deemed to be. have waived any of their rights or remedies hereunder, unless such waiver is in writing. no delay or omission by the facility providers and abc companies in exercising any right or remedy shall operate as a waiver of such rights or remedies or any other rights or remedies. a waiver on any occasion shall not be construed as a prohibition or waiver of any right or remedy on future occasions.
Either party may terminate this Agreement by notifying the other party in writing. after such termination, you will not be able to use the facilities of this website.
applicable law and jurisdiction
These terms and conditions are governed by and shall be construed in accordance with the laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. you agree, in the event of any dispute arising in connection with these terms and conditions or any dispute arising in connection with the website, whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located in mumbai , india for the resolution of all those disputes.