The references in these terms and conditions to "InTouch Solutions" (or "we", "us" or "our") refer to the company InTouch Solutions or any associate/subsidiary concern that may be operating the website www.intouchworld.com and its associate sites. From time to time InTouch Solutions or www.intouchworld.com may run competitions, prize schemes, promotions and surveys on all its websites. These may be subject to additional terms and conditions that will be specified at the time they are run.

1) Access to InTouch Solutions and related websites
All content - textual, still pictures, graphs, voice or video - made available on InTouch Solutions sites including content available on our email newsletters (hereinafter referred to as the "content") belongs to InTouch Solutions or its content partners or licensors. InTouch Solutions or its partners/licensors own all intellectual property rights (including copyright and database rights) in the content. You may retrieve and view content on a computer screen, PDA or mobile telephone, print individual pages on paper (but not photocopy them) and store such pages in electronic form on disk or on your mobile telephone (but not on any server or other storage device connected to a network) for your personal, non-commercial use.

You may not use the InTouch Solutions sites for any unlawful purpose. Except as indicated above, you may not reproduce, publish, broadcast, transmit, modify, adapt, create derivative works of, store, archive or in any way commercially exploit any of the content. Without limitation, you may not do any of the following without prior written permission from InTouch Solutions (and neither may you allow a third party to do any of the same

 redistribute or resell any of the content

 create a database in electronic or structured manual form by systematically downloading and storing all or any of the     content; or

  deep link to, frame, spider, harvest or scrape the content or otherwise access the content for similar purposes; or

  use any machine, electronic, web-based or similar device to read or extract the content by automated techniques.

2) Reprint and republication rights
Requests to republish or redistribute content should be addressed to InTouch Solutions's service team at info@intouchworld.com.

3) Links to InTouch Solutions websites
If you would like to link to any of the InTouch Solutions sites, please read and comply with the following guidelines and all applicable laws. A site or service that links to a InTouch Solutions site:*

  may display a InTouch Solutions logo

  may not distort or alter the size or appearance of the logo;

  may link to the homepage of a InTouch Solutions site or any other site InTouch Solutions has given prior written     permission;

  must not in any way imply that InTouch Solutions is endorsing it or its products or services;

  must not misrepresent its relationship with InTouch Solutions or present false information about InTouch Solutions;

  must not be a site or service that infringes any intellectual property or other right of any person or that otherwise does     not comply with all relevant laws and regulations;

  must not be a site or service that contains content that could be construed as distasteful or offensive to public     morality and ethics.

InTouch Solutions expressly reserves the right to require that any link in breach of these terms and conditions be removed and to take whatever other action it deems appropriate.

4. Technical requirements and site security
The InTouch Solutions Sites are best viewed using the Internet browser IE 6 or higher versions. Any older browser versions may work but users could have a limited browsing experience. The InTouch Solutions site may not work well with Netscape versions.

5. Warranties and limitation of liability
The InTouch Solutions content is for your general information and use and is not intended to address your particular business or other requirements. In particular, the content does not constitute any form of advice, recommendation, representation, endorsement or arrangement by InTouch Solutions and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions. Appropriate independent advice should be obtained before making any such decisions. Any agreements, transactions or other arrangements made between you and any third party named on (or linked to from) the InTouch Solutions sites are at your sole risk and responsibility. Any information that you receive via the InTouch Solutions sites whether or not it is classified as "real time", may have ceased to be current by the time it reaches you and share price information may be rounded up/down and therefore will not be entirely accurate. InTouch Solutions is not responsible for any use of the content by you outside its scope as stated in these terms and conditions.

WHAT WE DO NOT GUARANTEE
INTOUCH SOLUTIONS DOES NOT GIVE ANY WARRANTIES IN RESPECT OF THE INTOUCH SOLUTIONS SITES. TO THE EXTENT ALLOWED BY APPLICABLE LAW, InTouch Solutions HEREBY DISCLAIMS ALL OTHER WARRANTIES, CONDITIONS OR DUTIES OF EVERY NATURE WHATSOEVER (EXCEPT ANY DUTIES OF GOOD FAITH), INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY OR OF FITNESS FOR A PARTICULAR PURPOSE, ANY EXPRESS OR STATUTORY WARRANTIES, AND ANY WARRANTIES OR DUTIES REGARDING ACCURACY, TIMELINESS, COMPLETENESS, PERFORMANCE, AVAILABILITY, LACK OF NEGLIGENCE OR OF WORKMANLIKE EFFORT. NEITHER DO WE PROVIDE ANY WARRANTY THAT THE INTOUCH SOLUTIONS SITES ARE FREE FROM INFECTION BY VIRUSES OR ANYTHING ELSE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES.

OUR LIABILITY EXCLUSION
TO THE FULL EXTENT ALLOWED BY APPLICABLE LAW, YOU AGREE THAT INTOUCH SOLUTIONS WILL NOT BE LIABLE TO YOU FOR ANY LOSSES WHICH RELATE TO YOUR BUSINESS OR INVESTMENT CHOICES OR WHICH ARE NOT A DIRECT CONSEQUENCE OF YOUR USE OF THE InTouch Solutions SITES (INCLUDING LOST PROFITS OR LOSS OF PRIVACY OR LOSS OF OR DAMAGE TO DATA) OR WHICH ARISE AS A RESULT OF YOU USING THE INTOUCH SOLUTIONS SITES OUTSIDE THE SCOPE OF THESE.

TERMS AND CONDITIONS.
IN ADDITION TO BUT SEPARATE FROM THE ABOVE SPECIFIC EXCLUSION AND TO THE FULL EXTENT ALLOWED BY APPLICABLE LAW, YOU ALSO AGREE THAT INTOUCH SOLUTIONS WILL NOT BE LIABLE TO YOU FOR ANY OTHER INDIRECT, SPECIAL, CONSEQUENTIAL INCIDENTAL, PUNITIVE OR EXEMPLARY DAMAGES WHATSOEVER THAT ARISE OUT OF OR ARE RELATED TO YOUR USE OF THE INTOUCH SOLUTIONS SITES.

YOUR REMEDIES
INTOUCH SOLUTIONS SHALL USE REASONABLE ENDEAVORS TO PROMPTLY REMEDY ANY FAULTS IN THE INTOUCH SOLUTIONS SITES OF WHICH IT IS AWARE.

OTHER INFORMATION
Without limiting the above, InTouch Solutions is not liable for matters beyond its reasonable control. InTouch Solutions does not control telephones, third party communications networks (including your Internet Service Provider) or the Internet or the acts of third parties.

6. Third party sites and services
The InTouch Solutions sites may contain links to other Internet websites or online and mobile services provided by independent third parties ("Third party sites"), either directly or through frames. Third party sites may be co-branded with InTouch Solutions and so include InTouch Solutions's trade mark. InTouch Solutions is not responsible for the availability or content of Third party sites and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Third party sites. If you purchase products or services from a Third party site your contract for such products or services will be with the third party and not with InTouch Solutions. Our privacy policy does not apply to Third party sites.

The InTouch Solutions sites may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the InTouch Solutions sites comply with international and national law. InTouch Solutions will not be responsible for any error
or inaccuracy in advertising or sponsorship material.

7. Choice of Law and Jurisdiction
These terms and conditions shall be governed by, and construed in accordance with laws of the Government of India. Users of InTouch Solutions websites also explicitly agree that only courts in India shall have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these terms and conditions, and for those purposes irrevocably submit all disputes to the jurisdiction of Indian courts.

8. General
You may not assign, sub-license or otherwise transfer any of your rights under these terms and conditions. If any provision of these terms and conditions is found to be invalid by any Indian court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these terms and conditions, which shall remain in full force and effect. Failure by either party to exercise any right or remedy under these terms and conditions does not constitute a waiver of that right or remedy. Headings in these terms and conditions are for convenience only and will have no legal meaning or effect.

9. Changes to Terms and Conditions
These terms and conditions are effective from March 10, 2005.