By continuing to browse this website you confirm your acceptance of our terms & conditions and privacy policy
Terms of use

This document is an electronic record in terms of Information Technology Act, 2000 and rules there under as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

I have read, understood and agree to these Terms of Use (defined below) and the privacy policy of the website www.bigdecisions.com (“BigDecisions Website/Website”), which is available at www.bigdecisions.com/privacy (“BigDecisions Privacy Policy”). I agree and acknowledge that this is a legal and binding agreement between me as the user of the BigDecisions Website and NWS Digital India Private Limited (“NWS Digital”). By accessing the BigDecisions Website, I CONSENT, AGREE AND UNDERTAKE TO ABIDE, BE BOUND BY AND ADHERE TO THE TERMS OF USE (“Terms of Use” or “Terms” or “Terms and Conditions”) AND I FURTHER UNDERSTAND AND AGREE THAT IF I DO NOT AGREE TO THESE TERMS OF USE, I AM NOT ENTITLED TO AVAIL OF/USE THE BIGDECISIONS WEBSITE AND ANY USE THEREAFTER SHALL BE UNAUTHORIZED.

Electronic Communications

When I use/avail the Website and/or send any data, information or communication to NWS Digital, I agree and understand that I am communicating with NWS Digital through electronic records and I consent to receive communications via electronic records from NWS Digital periodically and as and when required. NWS Digital will communicate with me by email or any push or other message or electronic records on the email address and/ or mobile number available with NWS Digital which will be deemed adequate service of notice / electronic record.

Permitted Use

I understand that the information available on this Website is intended only for persons residing and accessing the Website from within the territory of India. I accept that NWS Digital not accept responsibility for the compliance of this information with the laws of any other country or jurisdiction.

I further agree and acknowledge that this Website is not intended to provide any tax, legal, financial, insurance, housing, medical or investment advice.

I understand that the tools available of the Website may provide general investment, insurance, health, housing, educational or financial analyses based upon the variables provided by me. I irrevocably and unconditionally agree not to construe such analyses as NWS Digital providing any advice, recommendation (conclusive or otherwise). Any commitments made by me and/or any transactions initiated by me with third parties basis such analyses is entirely at my own risk. I agree, undertake and acknowledge that I am solely responsible for determining whether any investments, strategies, planning, insurance, loans, or any other product or service, is appropriate or suitable for me as per my requirement. Before making any financial decisions, monetary commitments and/or entering into any transaction, I must consult a financial advisor/expert/appropriate professional for any such investments, tax related issues and connected matters. I agree to consult a registered medical practitioner in case of any medical/health related decisions.

I agree and acknowledge that the analyses, content, information, data and tools on the Big Decisions Website are purely for informational purposes and such analyses, content, information, data and tools shall not be considered as rendering legal, tax, financial, accounting, medical or any other professional advice.

Disclaimers and Limitations of Liability

I AGREE AND ACKNOWLEGDE THAT THIS WEBSITE, INCLUDING WITHOUT LIMITATION ANY CONTENT, TOOLS, INFORMATION, DATA OR OTHER PART THEREOF, CONTAINS GENERAL INFORMATION ONLY, AND THAT NWS DIGITAL IS BY NO MEANS, RENDERING PROFESSIONAL ADVICE OR SERVICES WHETHER LEGAL, ACCOUNTING, MEDICAL, FINANCIAL OR OTHERWISE.

THIS WEBSITE, INCLUDING BUT NOT LIMITED TO THE TOOLS, CONTENT, INFORMATION, ANALYSES (“CONTENT”) IS PROVIDED ON AN “AS IS”, AND THAT NWS DIGITAL MAKES NO REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESS OR IMPLIED. TO FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND/OR THE CONTENT IS PROVIDED WITHOUT ANY REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS OR IMPLIED. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, I AGREE AND ACKNOWLEDGE THAT NWS DIGITAL DOES NOT WARRANT THAT THIS WEBSITE INCLUDING BUT NOT LIMITED TO THE CONTENT WILL BE SECURE, ERROR-FREE, ACCURATE, COMPLETE, FREE FROM VIRUSES OR MALICIOUS CODE, OR WILL MEET ANY PARTICULAR CRITERIA OF PERFORMANCE OR QUALITY. NWS DECISIONS DISCLAIMS ALL EXPRESS AND/OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY, COMPATIBILITY, SECURITY, COMPLETENESS, TIMELINESS, RELIABILITY, USEFULNESS AND ACCURACY.

MY USE OF THIS WEBSITE AND PLACING RELIANCE ON THE WEBSITE AND/OR THE CONTENT IS ENTIRELY AT MY OWN RISK AND I IRREVOCABLY AND UNCONDITIONALLY ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM MY USAGE, INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO LOSS OF SERVICE OR DATA.

NWS DIGITAL WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOSS OF PROFITS, LOSS OF BUSINESS OR PUNITIVE DAMAGES OR ANY OTHER DAMAGES WHATSOEVER, WHETHER IN AN ACTION OF CONTRACT, STATUTE, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE, RELATING TO OR ARISING OUT OF THE USE OF THIS WEBSITE/CONTENT, EVEN IF NWS DIGITAL KNEW, OR SHOULD HAVE KNOWN, OF THE POSSIBILITY OF SUCH DAMAGES. WHERE THE LAWS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY, IN SUCH CASES, NWS DIGITAL’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

CERTAIN LINKS ON THIS WEBSITE MAY LEAD TO WEBSITES, RESOURCES, CONTENT OR TOOLS MAINTAINED BY THIRD PARTIES OVER WHOM NWS DIGITAL HAS NO CONTROL. WITHOUT LIMITING ANY OF THE FOREGOING, I AGREE AND ACKNOWLEDGE THAT NWS DIGITAL MAKES NO EXPRESS OR IMPLIED REPRESENTATIONS OR WARRANTIES WHATSOEVER REGARDING SUCH THIRD PARTY WEBSITES, RESOURCES AND TOOLS, AND LINKS TO ANY SUCH THIRD PARTY WEBSITES, RESOURCES AND TOOLS SHOULD NOT BE CONSTRUED AS AN ENDORSEMENT OF THEM OR THEIR CONTENT BY NWS DIGITAL.

I irrevocably, unconditionally and perpetually waive my right to any claim based on the detrimental effects or results of any reliance placed by the user on any information, content, materials, data, articles, tools, analyses on the Website.

I agree and acknowledge that NWS Digital shall be under no liability whatsoever to me in the event of non-availability of the Website, Content and/or any portion thereof occasioned by factors including but not limited Act of God, war, disease, revolution, riot, civil commotion, strike, lockout, flood, fire, satellite failure, failure of any public utility, man-made disaster, satellite failure or any other cause whatsoever beyond the control of NWS Digital.

Ownership

I agree and acknowledge that the Website and the Content is owned by NWS Digital and/or its third party licensors, as the case may be. All rights, title, interest including but not limited to rights in and to intellectual property in respect of the Website and/or the Content continues to be owned by NWS Digital and/or its licensors, as the case may be. I agree not to copy, download, archive, publish, modify, translate, market, sell, reproduce, distribute, exhibit, disassemble, reverse engineer, decompile any of the Content of parts thereof in any manner whatsoever.

I acknowledge and agree not to either directly or through the use of any device, software, internet site, web-based service, or other means remove, alter, bypass, avoid, interfere with, or circumvent any copyright, trademark, or other proprietary notices marked on the Content/Website or any digital rights management mechanism, device, or other content protection or access control measure associated with the Website/Content including geo-filtering mechanisms. Further, I agree not to either directly or through the use of any device, software, internet site, web-based service, or other means copy, download, capture, reproduce, duplicate, archive, distribute, upload, publish, modify, translate, broadcast, perform, display, sell, transmit or retransmit the Content or create any derivative work and/or material based on the Content.

I agree that the trademarks, logos and service marks shown on this Website are registered trademarks of their respective owners. Nothing in my use of the Website shall be interpreted as granting any license or right to use any image, trademark, logo or service mark made available on the Website.

Use of the BigDecisions Website

NWS Digital grants to me a non-exclusive, revocable, non-sublicensable, non-transferrable, personal license to access the Website and the Content for your personal and non-commercial use only in the territory of India in perpetuity, subject to my compliance with these Terms of Use and the BigDecisions Privacy Policy.

I agree and undertake to use the Website and/or Content for lawful uses only. If I am below the age of 18 years, I undertake to review these Terms of Use and the BigDecisions Privacy Policy with my parent and/or legal guardian and my parent and/or legal guardian agrees to these Terms of Use and the BigDecisions Privacy Policy for and on my behalf.

If I am the parent or the legal guardian of a minor child, and have allowed him/her to use the Website, I agree that I shall be solely responsible for :

  • i. The online conduct of the minor child
  • ii. Monitoring of such minor’s access to and/or use of the Website and/or Content
  • iii. The consequences of any use of the Website/Content by the minor child.

During my use, access of the Website and/or the Content, I agree and undertake not to host, display, upload, modify, publish, transmit, update or share any information /material that:

  • (a) belongs to another person and to which I do not have any right to;
  • (b) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever;
  • (c) harms minors in any way;
  • (d) infringes any patent, trademark, design, copyright or other proprietary rights;
  • (e) violates any law for the time being in force;
  • (f) deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;
  • (g) impersonates another person;
  • (h) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;
  • (i) threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.

Any content posted by me does not violate any right of any party, including privacy rights, publicity rights, and intellectual property rights.

Nothing on this Website shall be considered a solicitation to buy or an offer to sell, or a recommendation for any product and/or service, to any person where such solicitation, offer, recommendation, purchase or sale would be unlawful under the applicable laws.

I agree that I am responsible for the means I use to access, browse, use the Website and understand that my hardware, software, the Internet, my Internet Service Provider, and other third parties involved in connecting me to the Website may not perform as intended or desired. I agree that NWS Digital shall not be responsible for any problems or technical malfunction of any computer online systems, servers or providers, computer equipment or software due to technical problems or traffic congestion on the Website or due to use of any of the Content, including any injury or damage to me, any of my or third party’s computer resources related to or resulting from use, access, downloading materials in connection with the Website.

Advertisement and Linked Pages

I agree and acknowledge that the Website may contain advertisements and/or other third party content/materials. I understand that NWS Digital expressly disclaims any liability arising out of the usage or viewing of these advertisements, third party content/materials available / hosted on the third party sites and/or the Website. I agree and understand that NWS Digital makes no representations, warranties whatsoever, whether express or implied about any such third party websites, products, services, content which I may access through this Website. I will use and access any third party links, content, materials entirely at my own risk. I agree and acknowledge that NWS Digital shall have no liability, whether in law, contract, tort or otherwise for any third party content, website, product, services, materials accessed, use and/or relied by me.

When I click on a link within the Website and/or the Content, NWS Digital will neither warn me that I have left the Website nor that my use/access of the third party website subject to the terms and conditions (including privacy policies) of the applicable website. I will be careful to read the terms of use and privacy policy of any other website or destination before you provide any confidential information or engage in any transactions. I undertake not to rely on these Terms of Use and/or BigDecision’s Privacy Policy to govern my use of another website or destination.

Termination

I acknowledge that NWS Digital reserves the right to immediately terminate, suspend, limit, or restrict my use, access of the Website, the Content or part thereof, without notice or liability, if NWS Digital so determines in its sole discretion, for any reason whatsoever, including but not limited to my breach of the Terms of Use, BigDecisions Privacy Policy, violation/non-compliance of any law, rule, or regulation by me, or for any other reason. I agree and consent to the above and agree and acknowledge that NWS Digital can, at its sole discretion, exercise its right in relation to any or all of the above, and that NWS Digital, its directors, officers, employees, affiliates, agents, contractors, principals or licensors shall not be liable in any manner for the same.

Registration Data

I confirm and warrant that all the data and information supplied by me when I register (if applicable) and provided by me to NWS Digital and/or any NWS Digital’s affiliates, partners, representatives, third party service providers (“Registration Data”) is true, current, complete and accurate in all respects. I agree to promptly update my Registration Data, so that my information remains true, current, complete, and accurate at all times.

I acknowledge and agree that my Registration Data and any other personal data collected by NWS Digital is subject to the BigDecisions Privacy Policy.

I am solely responsible for maintaining the confidentiality, security and proper use of my account and password and for restricting access to my computer, account etc. I agree to take all necessary steps to ensure that my account and password are kept confidential, used properly, and not disclosed to unauthorized persons. I agree to accept full responsibility for all activities occurring under my account or password, without any recourse to NWS Digital.

I understand that NWS Digital may collect, use, transfer and disclose my personal or sensitive information, as described in the BigDecisions Privacy Policy and in this Terms of Use and subject to applicable laws. I further understand and agree that the BigDecisions Privacy Policy maybe changed from time to time to reflect its evolving privacy practices without giving me any prior notice. By registering myself at the BigDecisions Website I, authorize NWS Digital to contact me via phone, call, sms or email for verification purposes. I also consent to NWS Digital transferring my personal or sensitive information to its various service providers and business partners as specified in the BigDecisions Privacy Policy. By providing my mobile number and email id at BigDecisions Website, I am authorising NWS Digital’s business partners to contact me to offer their services for the product/services that I have opted for, imparting product knowledge and other offers. Irrespective of the fact that I have registered myself under DND service, I am still authorising NWS Digital and/or their business partners to give me a call for the above mentioned purposes.

By submitting my information on the BigDecisions Website, I accept that NWS Digital’s business partners may contact me directly regarding my inquiry. For the protection of the information shared with NWS Digital for the purpose of these Terms of Use and the BigDecisions’s Privacy Policy, NWS Digital has in place information security policies and procedures to collect, receive, possess, store, deal or handle sensitive personal data or information from unauthorized access, use, modification, damage, disclosure and impairment. Details of these security practices and procedures can be found at the BigDecisions Privacy Policy. I acknowledge that the security practices and procedures specified herein are reasonable and are designed to protect the information provided by me. I also acknowledge that security practices and procedures are constantly evolving and consequently NWS Digital shall have the right to amend or replace the security practices and procedures from time to time at its sole discretion and provide details of such amended or replaced practices and procedures on the BigDecisions Privacy Policy.

I agree that I am responsible for maintaining the security of my Login ID and password and should not disclose the same to any third party and NWS Digital is not responsible, if someone else has access to, or accesses my account through the registration information that they have obtained from me in violation of this agreement and the BigDecisions Privacy Policy.

I agree and consent that NWS Digital shall have the right to appoint or replace the method and manner of collecting and retaining the sensitive personal data or information by changing the details provided in BigDecisions Privacy Policy. The publication of such details in the BigDecisions Privacy Policy shall be deemed to incorporate such details in this Terms of Use and unless objected to by me, it will be deemed that I have consented to such replacement and appointment.

Notwithstanding anything to the contrary contained in this agreement, the publication of such practices and procedures in the BigDecisions Privacy Policy shall be deemed to incorporate such practices and procedures in this Terms of Use. I undertake that I shall not withdraw the consent provided pursuant to this agreement unless I communicate such notice to NWS Digital in writing. On providing such notice, NWS Digital reserves the right to discontinue providing services for the purposes of which my personal /sensitive data was sought.

INDEMNITY

I agree to defend, indemnify and hold harmless NWS Digital, its affiliates, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorneys’ fees) arising from: (i) my use of and access to the Website and/or Content; (ii) my violation of any term of these Terms of Use; (iii) my violation of any third party right, including without limitation any publicity, privacy, or intellectual property right; (iv) my breach of any applicable laws; and (v) any unauthorized, improper, illegal or wrongful use of my Account by any person, including a third party, whether or not authorized or permitted by me. This indemnification obligation will survive the expiry or termination of these Terms and Conditions and my use of the Website/Content.

Governing Law

The relationship between me and NWS Digital shall be governed by the laws of India without regard to its conflict of law provisions and for resolution of any dispute arising out of these Terms of Use and/or my use of the Website/Services. Notwithstanding the foregoing, I agree that (i) NWS Digital has the right to bring any proceedings before any court/forum of competent jurisdiction and I irrevocably submit to the jurisdiction of such courts or forum and (ii) any proceeding brought by me shall be exclusively before the courts at Mumbai, India.

Severability

If any provision of these Terms of Use is held invalid, void, or unenforceable, then that provision shall be considered severable from the remaining provisions, and the remaining provisions given full force and effect.

Changes

NWS Digital reserves the right, at any time and from time to time, without notice to me, to update, revise, supplement, and otherwise modify these Terms of Use and to impose new or additional rules, policies, terms, or conditions on my use of the Website and/or Content. Any material updates, revisions, supplements, modifications, and additional rules, policies, terms, and conditions (collectively referred to in this Terms of Use as “Additional Terms”) will be posted on the Website and will be effective immediately after such posting and thereafter incorporated into these Terms of Use. I agree that the continued use of the Website/Content by me will be deemed to constitute your acceptance of any and all such Additional Terms.

Survival

I agree and acknowledge that my representations, undertakings, and warranties and the clauses relating to indemnities, limitation of liability, governing law, jurisdiction shall survive the efflux of time.

Entire Agreement

These Terms of Use and the BigDecisions Privacy Policy constitute the entire agreement between me and NWS Digital governing my use of the Services, superseding any prior agreements between me and NWS Digital regarding such use.

Contact

If I have any questions, complaints or claims with respect to the Website, then such correspondence will be directed to contactus@bigdecisions.com