Terms & Conditions

Terms & Conditions

These terms of use constitute a legally binding agreement between you (referred to as “User,” “you,” or “your”) and Mint Investing (a proprietorship firm of Mr. Naresh Bangeja, referred to as “Mint Investing,” “we,” “us,” or “our”) regarding your access and use of the Mint Investing Mobile Application (referred to as “App”). By downloading, installing, or using the App, you acknowledge that you have read, understood, and agree to be legally bound by these terms of use.

By accessing the Mobile App, you have read, understood, and agree to be legally bound by all of these terms of Use set forth governing your use of this Mobile App. The Terms of use shall apply to all services, programs, information and products that you may use or otherwise access from time to time through the Mobile App. By accessing the Mobile App and any pages hereof, you are indicating that you have read, acknowledge and agree to be bound by the Terms of use. If you do not agree with these Terms of use then please do not use or access the Mobile App. The “Last updated” date of these Terms of use will inform you about any changes or modifications and you waive the right to receive any specific notice of such changes. It is your responsibility to periodically review these Terms of use to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of use by your continued use of the Mobile App after the date such revised Terms of use are posted. Mint Investing further expects you to further read and understand the other Mobile App policies, which would be treated as a part of this Agreement before using the services offered by us.

1. CONTACT INFORMATION

If you have any questions or concerns with respect to the Terms of Use or this Mobile App you may contact a representative of Mint Investing by sending us an e-mail at support@mintinvesting.in

2. PRIVACY POLICY

The Company respects the privacy of its Service users. Please refer to the Company’s Privacy Policy (found here: https://mintinvesting.in/privacy-policy/) which explains how we collect, use, and disclose information that pertains to your privacy. When you access or use the Service, you signify your agreement to the Privacy Policy as well as these Terms of Use.

3. ABOUT THE SERVICE

(3.1) Precision in Selection: We offer a sophisticated strategy known as Mint Inflection Point Analysis (MIPA), which is designed to identify optimal stock investment opportunities through disciplined, data-driven analysis.

(3.2) Expertise: Through our platform you will gain access to actionable insights provided by analysts registered with the Securities and Exchange Board of India (SEBI), ensuring expert guidance to enhance investment decisions.

(3.3) Comprehensive Stock Analysis: The platform provides detailed analyses of various stocks, allowing users to understand the underlying rationale for each investment recommendation and effectively apply this knowledge to your portfolios.

(3.4) Focus List: You will receive a curated weekly list of stocks selected for monitoring and analysis, focusing on the most promising investment opportunities.

(3.5) Live Notifications: The platform delivers live market commentary and real-time insights, keeping users informed of significant market movements and trends as they occur.

(3.6) Performance Tracker: You can track the performance of your investment portfolios, enabling you to review progress and refine your investment strategies for sustained growth. (Coming soon in next version of App)

(3.7) Daily Updates: The platform provides daily updates on market conditions, global trends, and key stock information, assisting users in staying informed and making well-informed investment decisions.

4. REGISTRATION RULES FOR USER CONDUCT AND USE OF THE SERVICE

You need to be at least 18 years old to register for and use the Service.

If you are a user who signs up for the Service, you will create a personalized account which includes a Name as per your PAN (Permanent Authentication Number) card which shall be verified through an OTP (One Time Password) to access the Service and to receive message/emails from us. You hereby agree to keep your account details confidential and shall be solely responsible for all use of your account. Unauthorized access of the services is prohibited. You agree to notify us immediately of any unauthorized use of your account. We shall not be responsible for any liabilities, losses, or damages arising out of the unauthorized use of your account. When you register on this Mobile App, your personal information will be automatically registered in our database which will be maintained by us and may be used for sending any necessary information, marketing and promotional emails, newsletters etc., if subscribed to. In case of change in personal information, you may write to us at the contact information provided herein.

(4.1) Free Trial Eligibility:

To avail our 30-Day free trial, you must complete the following three stages:
a. User Profile Creation: Provide accurate personal details to set up your user Profile.
b. E-KYC Compliance: Complete electronic Know Your Customer (E-KYC) verification as per SEBI regulations.
c. Payment Details Submission: Add payment details through UPI/card/Net Banking for seamless processing of subscriptions. Valid form of payment required to avail 30-Day free trial however, you will not be charged until the 30-Day trial period expires. To verify the authenticity of the payment method added by you, a nominal amount ranging from Rs. 2/- to Rs. 10/- shall be temporarily deducted at the time of checkout. This amount shall be refunded to your bank account within 7 to 14 working days.

Offer only available to users who are not current Subscribers of Mint Investing and shall be available for a limited duration and may be discontinued at the company’s discretion upon achieving its target customer acquisition goals.

(4.2) Post-Trial Subscription:

  • At the end of the trial period, the subscription will be automatically renewed for the next 90 days at a fee of ₹33,000/- (inclusive of GST). The renewal amount will be deducted using the payment details provided by you.
  • You can unsubscribe/cancel your subscription anytime at least a day before 30th day of free trial period and a day before each renewal date. Subscription automatically renews until cancelled. No refunds or partial billing options are available.  
  • You will receive timely reminders via email during your free trial to ensure transparency and provide an opportunity to manage your subscription.
  • No charges will be applied upon the expiry of the free trial if you have successfully unsubscribed within this period.

5. USER REPRESENTATIONS

Your permission to use the App is conditioned upon the following use and conduct restrictions:

(5.1) You agree that you will not under any circumstances:

  • Access the Service for any reason other than your personal, non-commercial use solely as permitted by the normal functionality of the Service;
  • Collect or harvest any personal data of any user of the App or the Service;
  • Use the App or the Service for the solicitation of business in the course of trade or in connection with a commercial enterprise;
  • Use the Service for any unlawful purpose or for the promotion of illegal activities;
  • Attempt to, or harass, abuse or harm another person or group;
  • Use another user’s account without permission;
  • Intentionally allow another user to access your account;
  • Provide false or inaccurate information when registering an account;
  • Interfere or attempt to interfere with the proper functioning of the Service;
  • Make any automated use of the App, the Service or the related systems, or take any action that we deem to impose or to potentially impose an unreasonable or disproportionately large load on our servers or network infrastructure;
  • Bypass any robot exclusion headers or other measures we take to restrict access to the Service, or use any software, technology, or device to scrape, spider, or crawl the Service or harvest or manipulate data;
  • Circumvent, disable or otherwise interfere with any security-related features of the Service or features that prevent or restrict use or copying of content, or enforce limitations on use of the Service or the content accessible via the Service; or

 

(5.2) By using the Mobile App, you represent and warrant that:

  • All the registration information you submit will be true, accurate, current, and complete;
  • You will maintain the accuracy of such information and promptly update such registration information as necessary and required;
  • You have the legal capacity and you agree to comply with these terms of use ;
  • You are not under the age of 18
  • You are not a minor in the jurisdiction in which you reside, (or if a minor, you have received the written parental permission to use the Mobile App)
  • You will not access the Mobile App through automated or non-human means, whether through a bot, script or otherwise;
  • You will not use the Mobile App for any illegal or unauthorized purpose;
  • Your use of the Mobile App will not violate any applicable law or regulation.
  • If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Mobile App (or any portion thereof).

6. TERMS TO CREATE A USER ACCOUNT

(6.1) User creation

  • You must provide a Mobile No. and Name as per your PAN (Permanent Authentication Number), Aadhar Card Number, email address to complete the sign-up process.
  • You will be provided with an OTP (One Time Password) through SMS on your Mobile and via email provided by you to verify the user.
  • You are responsible for maintaining the privacy and security of your account. We will not be held liable for any damage or loss that may result from your failure to protect your login information.
  • We may communicate with you via e-mail/ WhatsApp (MintBuddy) / other communication modes regarding your account, system updates, or other issues related to your account/ use of the Service.

 (6.2) User Deletion

  • You are solely responsible for managing the lifecycle of your account, including removal.
  • Once you have created a user account, it will remain active till you actually choose to delete your account.
  • Only the authorised user would be allowed to opt for deletion by signing in to the user profile and by opting for deletion.
  • You will have to confirm by typing “PERMANENTLY DELETE” to delete the user profile from our data base.
  • Deleting a Mint Investing Account will lead to the Deletion of your account on Mint Investing.
  • You can initiate account deletion from any of the following:

Mint Investing App: “Sign In” > “Menu” > “Delete My Account”

  • Upon successful email verification (through registered email address) of the deletion request, the deletion would happen in our system immediately.
  • Deleting your account is IRREVERSIBLE & FINAL, so unfortunately you can’t get it back. We do that for your security and to protect your private information.
  • If at a later stage, you realize that you’ve deleted your account by mistake or changed your mind, you’ll need to register again as new user.
  • In the Deletion process, we delete the user profile, user preferences, account activity, account leads & device information. We DO NOT delete any account purchase & transaction data, as it is required for financial accounting & audit purposes.
  • After account deletion, the user won’t receive any email/ SMS/ WhatsApp/ communications from us any further, barring some administrative & purchase related messages which are important in nature.
  • As part of our Data Backup procedures, some of the (deleted) user data might keep residing in the backup systems, but these data are just for disaster recovery purposes and no one has access to this data for any processing. Over a period of time, such data gets overwritten by newer sets of data & eventually such user data would get removed from backups too.
  • To avoid any unauthorised access (due to caching of data on browsers & app), you are advised to clear your browser cache & uninstall the app from your device immediately after completion of the deletion activity.
  • In rare cases, we reserve the right to delete a rogue user account or take action on an account as required by the law.

7. PAYMENT TO AVAIL OUR SERVICES

We accept the following forms of payment: Credit Card, Debit Card, Net banking, UPI. You agree to provide current, complete, and accurate purchase and account information for all purchases made via the App. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. We may change the prices provided for our services any time. All payments shall be in INR. You agree to pay all charges at the prices then in effect for your purchases and you authorise us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to refuse any order placed through the App

(7.1) In-app Purchases on the Apple AppStore: We have In-app Purchases options available to the users on the Apple AppStore. The plans & rates might change without prior notice. The Subscription automatically renews until cancelled. To stop, tap Cancel subscription in the Setting before next billing date.

(7.2) Subscriptions using Payment Gateways: We have purchase options available through payment Gateways like RazorPay. The plan is auto-renewal subscription. For subscription plans, the plan automatically renews at the end of each expiry period unless auto-renew is cancelled by the user. The Subscription may be managed by the user and auto-renewal may be cancelled at any time. On cancellation, the auto-renewal is stopped but current plan remains active till the end of the current expiry period. No Refunds are admissible for the remaining period of the current period on cancellation. Any discount coupons applied on a subscription payment will be applicable only for the first period and subsequent charges from next period onwards will apply at the full price.

Customers under Subscription Payment Option will be charged the Subscription fee for the periodic renewal. Such subscription amount might be modified on the product App from time to time without prior notice. Please be aware that these account & billing management options are provided by the platform (iOS / Android) and could be changed by the provider directly without any notice or update from us.

8. MOBILE APP CONTENT

Any and all material and information available through the Mobile App is solely for non-commercial and for your own personal use and for information purpose only. Mint Investing has the right, at any time and from time to time, in its own discretion to add, modify, or remove any of the material or information available on the Mobile App. These Terms of use are not intended to and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein are reserved by Mint Investing. Mint Investing does not warrant the completeness, timeliness or accuracy or any material and information available on the Mobile App. The material and the information on this Mobile App are not intended as an offer or solicitation for the purchase of any stock, any other security or any financial instrument or to provide any investment service or investment advice in any jurisdiction. Investment services are subject to market risks. User accesses, uses and relies upon such information at his own risk. Mint Investing may offer an online secured access, whether free or subscription based, to its customers/users as a part of the Mobile App services. This access or use of the Mobile App may be terminated for any reason or where it believes that the User has not acted in accordance with the Terms and Condition and other policies of this Mobile App.

9. INTELLECTUAL PROPERTY RIGHTS

This Mobile App is the sole property of Mint Investing. All rights to, title to, and interest in the content available on the Mobile App, the Mobile Apps’ look and feel, the designs, trademarks, service marks and trade names displayed on the Mobile App, and the Mobile App URL’s, are the property of Mint Investing or its licensors, and are protected by copyrights, trademarks, patents, or the proprietary rights and laws. The Mobile App and the content are protected by the Indian laws, and belong to Mint Investing or its partners, affiliates or contributors. No part of any information or material or software from the Mobile App may be copied, removed, photocopies or duplicated in any form or by any means or re-distributed without Mint Investing’s prior written consent. If you download any information or material or any content from this Mobile App, you agree that you will not copy or remove or obscure or alter the content. All trademarks, service marks, copyrights, logos and designs used on this Mobile App, whether registered or unregistered, are owned by Mint Investing. You may not use or display any trademarks, service marks, logos or designs owned by Mint Investing or its affiliates without our prior written consent. Any infringement shall be strongly defended and pursued to the fullest extent permitted by the law.

You also acknowledge and agree that we retain ownership of all intellectual property rights of any kind related to the Service, including applicable copyrights, trademarks and other proprietary rights. Other product and company names that are mentioned on the Service may be trademarks of their respective owners. We reserve all rights that are not expressly granted to you under these Terms of Use.

10. REFUND AND CANCELLATION

We do not offer refunds or cancellations against the services provided to the User. We strictly recommend that the User may read the following before agreeing to utilize our services or before making any payment: Read all the information about our products, and services.

11. PROHIBITED ACTIVITIES

You may not access or use the Mobile App for any purpose other than that for which we make the Mobile App available. The Mobile App may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. As a user of the Mobile App, you agree not to:

  1. systematically retrieve data or other content from the Mobile App to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us
  2. make any unauthorized use of the Mobile App, including collecting Mobile No. or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses
  3. use a buying agent or purchasing agent to make purchases on the Mobile App;
  4. use the Mobile App to advertise or offer to sell goods and services;
  5. circumvent, disable, or otherwise interfere with security-related features of the Mobile App, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Mobile App and/or the Content contained therein;
  6. engage in unauthorized framing of or linking to the Mobile App;
  7. trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords;
  8. make improper use of our support services or submit false reports of abuse or misconduct;
  9. engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools;
  10. interfere with, disrupt, or create an undue burden on the Mobile App or the networks or services connected to the Mobile App;
  11. attempt to impersonate another user or person or use the username of another user;
  12. sell or otherwise transfer your profile;
  13. use any information obtained from the Mobile App in order to harass, abuse, or harm another person.
  14. use the Mobile App as part of any effort to compete with us or otherwise use the Mobile App and/or the Content for any revenue-generating endeavor or commercial enterprise;
  15. decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Mobile App;
  16. attempt to bypass any measures of the Mobile App designed to prevent or restrict access to the Mobile App, or any portion of the Mobile App;
  17. harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Mobile App to you;
  18. delete the copyright or other proprietary rights notice from any Content;
  19. copy or adapt the Mobile App’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code;
  20. upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Mobile App or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Mobile App;
  21. upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”);
  22. except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Mobile App, or using or launching any unauthorized script or other software;
  23. disparage, tarnish, or otherwise harm, in our opinion, us and/or the Mobile App;
  24. use the Mobile App in a manner inconsistent with any applicable laws or regulations.

12. THIRD-PARTY MOBILE APPS AND CONTENT

The Mobile App may contain (or you may be sent via the Mobile App) links to other Mobile Apps/websites (“Third-Party Mobile Apps/websites”) as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties (“Third-Party Content”). Such Third-Party Mobile Apps/websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Mobile Apps/websites accessed through the Mobile App or any Third-Party Content posted on, available through, or installed from the Mobile App, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Mobile Apps/websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Mobile Apps/websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Mobile App and access the Third-Party Mobile Apps/websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms of Use no longer govern. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Mobile Apps/websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Mobile Apps/websites.

13. USER CONSENT TO RECEIVE COMMUNICATIONS

For contractual purposes, you:

(a) consent to receive communications from us in an electronic form via Mobile App, SMS, Voice call, Email, WhatsApp on the Phone Number/ Email or handle that you have submitted; and

(b) agree that all Terms of Use, agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications would satisfy if it were in writing. The foregoing does not affect your non-waivable rights.

We may also use your email address to send you other messages, including information about the App or the Service and special offers. You may opt out of such email by changing your account settings, using the “Unsubscribe” link in the message, or by sending an email to (admin@mintinvesting.in) Opting out may prevent you from receiving messages regarding the App, the Service or special offers.

14. TERM AND TERMINATION

These Terms of use shall remain in full force and effect while you use the Mobile App. Without limiting any other provision of these terms of use, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Mobile App (including blocking certain Mobiles Apps/IP addresses), to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these terms of use or of any applicable law or regulation. We may terminate your use or participation in the Mobile App or delete [your account and] any content or information that you posted at any time, without warning, in our sole discretion. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

15. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Mobile App at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Mobile App. We also reserve the right to modify or discontinue all or part of the Mobile App without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Mobile App. We cannot guarantee the Mobile App will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Mobile App, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Mobile App at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Mobile App during any downtime or discontinuance of the Mobile App. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Mobile App or to supply any corrections, updates, or releases in connection therewith.

16. GENERAL TERMS

(16.1) Your use of the service, including any content, information or functionality contained within it, is provided “as is” and “as available” with no representations or warranties of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You assume total responsibility and risk for your use of our Services.

(16.2) The company makes no warranties regarding:

(i) your ability to use our Services,

(ii) your satisfaction with the Service,

(iii) that the Service will be available at all times, uninterrupted, and error-free

(iv), the accuracy of analytics performed by the Service, and

(v) that bugs or errors in the App/Service will be corrected.

(16.3) The company, its partners, agents, affiliates and its sponsors are neither responsible nor liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other damages arising out of or relating in any way to your use of our Services under irrespective of whether you are a user of Free Version or Paid version. Your sole remedy for dissatisfaction with our Services is to STOP using it.

(16.4) Failure of the company to exercise any of its rights provided herein shall not be deemed to be a waiver of any such right unless such waiver has been expressly given in writing. This latest version of Terms of Use sets forth the entire understanding between you and the company.

(16.5) The company cannot be held responsible for any business loss of a customer for any reason whatsoever including software failure/ delay in implementation or in technical support etc.

(16.6) We may assign or delegate these Terms of Service and/or our Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent. You may not assign or delegate any rights or obligations under the Terms of Service or Privacy Policy without our prior written consent, and any unauthorized assignment or delegation by you is void.

YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THE TERMS OF USE, AND WILL BE BOUND BY THESE TERMS OF USE. YOU FURTHER ACKNOWLEDGE THAT THESE TERMS OF USE TOGETHER WITH THE PRIVACY POLICY REPRESENT THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US AND THAT IT SUPERSEDES ANY PROPOSAL OR PRIOR AGREEMENT ORAL OR WRITTEN, AND ANY OTHER COMMUNICATIONS BETWEEN US RELATING TO THE SUBJECT MATTER OF THIS AGREEMENT.

17. GOVERNING LAW

These Terms of use and your use of the Mobile App are strictly governed by and construed in accordance with the laws of India.

18. ALTERNATE DISPUTE RESOLUTION

You agree to resolve all disputes and differences arising out of or in connection with these Terms of use by submitting them to arbitration by a sole arbitrator mutually appointed in accordance with the rules of the Arbitration and Conciliation Act, 1996, with the arbitration proceedings to be conducted at Mumbai and the arbitration proceedings shall be conducted in English language.

19. CORRECTIONS

There may be information on the Mobile App that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Mobile App at any time, without prior notice.

20. DISCLAIMER

The Mobile App is provided on an “as is” and “as available” basis. Mint Investing contains materials, products, views, information, data, statistics, opinions, statements, analysis which has been obtained from various reliable sources and compiled. We disclaim all warranties of any kind, whether express or implied, including, without limitation, any warranties of completeness, reliability, accuracy, adequacy, updation, fullness, functionality, timelines, performance, certainty of returns of the products, services, data analysis, information, opinions, statements, materials and views on the Mobile App. Investments in Securities Market and Financial instruments are subject to market risk. Any investments in Securities Markets and Financial instruments are risky and the User must take complete responsibility for the outcomes of all and any financial decisions that they take, including but not limited to loss of Capital on the basis of using the Mobile App. Users of the Mobile App must read the respective documents carefully before investing. The estimates are based on historical performance and are done to facilitate informed decision making for the investors. These do not constitute a promise or a guarantee or a certainty of returns. The Registered Users of the Mobile App must fully understand and completely agree that any and all actions taken by them based on the materials, products, views, information, data, statistics, opinions, statements, analysis available on the Mobile App has been taken by them at their own risk without any recourse whatsoever to us. Our Mobile App may contain information, material, views, data or information submitted by users and/or third party Mobile Apps/websites/sources. We accept no responsibility for accuracy of such content. Users are advised to use their discretion at all times while taking any investment or other decisions. Mint Investing does not make any warranty that the Mobile App will meet your requirements, or that access to the Mobile App will be uninterrupted, timely, secure, or error-free, or that defects, if any, will be corrected. Mint Investing makes no warranties as to the results that may be obtained from the use of the Mobile App or as to the accuracy, quality, or reliability of any information obtained through the Mobile App.

21. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Mobile App; (3) breach of these Terms of use; (4) any breach of your representations and warranties set forth in these Terms of use  (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Mobile App with whom you connected via the Mobile App. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.