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Welcome to FOFM These Terms of Use govern your use of the websites, software and services offered through FOFM Website,

Your affirmative act of using FOFM services, signifies that you agree to the following

CHAT ROOM

CHANGES TO THE TERMS OF USE

We may change these Terms of Use at any time. You can review the most current version of these terms by clicking on the "Terms of Use” hypertext link located at the bottom of the contact page contact page. You are responsible for checking these terms periodically for changes. If you continue to use Chat Hour after we post changes to these Terms of Use you are signifying your acceptance of the new terms.

PRIVACY POLICY

FOFM Chat Room Privacy Policy explains the practices that apply to your information when you use FOFM Chat Room. Your ongoing use of FOFM Chat Room, Signifies your consent to the information practices disclosed in our Privacy Policy.

MEMBER CONDUCT

You understand that all information, data, text, messages ("Content") , whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated. This means that you, and not FOFM Chat Room, are entirely responsible for all Content that you upload, post, transmit or otherwise make available via the Service. Under no circumstances will FOFM Chat Room, be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, transmitted or otherwise made available via the Service.

You agree to not use the Service to:

Upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable
Impersonate any person, business or entity, including Chat Hour and its employees and agents;
Forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;
Upload, post, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
Violate or infringe the rights of others including, without limitation, patent, trademark, trade secret, copyright, publicity or other proprietary rights;
Disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
Intentionally or unintentionally violate any applicable local, state, national or international law;
Victimize, harass, degrade, or intimidate an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
Collect or store personal data about other users in connection with the prohibited conduct and activities.
Encourage conduct that would constitute a criminal offense, or that gives rise to civil liability;
Interfere with the use of FOFM Chat Room, by others.

You acknowledge, consent and agree that FOFM Chat Room,. may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the Terms of Use ; (c) respond to claims that any Content violates the rights of third parties; (d) respond to your requests for customer service; or (e) protect the rights, property or personal safety of FOFM Chat Room, its users and the public.

You understand that the technical processing and transmission of the Service, including your Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

YOUR REGISTRATION OBLIGATIONS

In consideration of your use of FOFM Chat Room, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the country in which you reside or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by our registration form and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or FOFM Chat Room, has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, FOFM Chat Room, has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).

CONTENT SUBMITTED OR MADE AVAILABLE FOR INCLUSION ON THE SERVICE

FOFM Chat Room, does not claim ownership of Content you submit or make available for inclusion on the Service. However, with respect to Content you submit or make available for inclusion on publicly accessible areas of the Service, you grant FOFM Chat Room, worldwide, royalty-free and non-exclusive licenses to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and publicly display such Content (in whole or in part) and to incorporate such Content into other works in any format or medium now known or later developed.

NO DUTY TO MONITOR

You agree that we are not liable for Content that is provided by others. We have no duty to pre-screen Content, but we have the right to refuse to post or to edit submitted Content. We reserve the right to remove Content for any reason, but we are not responsible for any failure or delay in removing such material.

INDEMNITY

You agree to defend, indemnify, and hold harmless us and other affiliated companies, and our respective employees, contractors, officers, directors, and agents from all liabilities, claims, and expenses, including attorney's fees that arise from your use or misuse of FOFM Chat Room.

SPECIAL ADMONITIONS FOR INTERNATIONAL USE

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the country in which you reside.

MODIFICATIONS TO SERVICE

FOFM Chat Room, reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that FOFM Chat Room, shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

TERMINATION

Your right to use FOFM Chat Room, automatically terminates if you violate these Terms of Use or any rules or guidelines posted in connection with FOFM Chat Room. We also reserve the right, in our sole discretion, to terminate your access to all or part of FOFM Chat Room, for any reason, with or without notice.

SEVERABILITY AND INTEGRATION

This contract and any supplemental terms, policies, rules and guidelines posted on FOFM Chat Room, constitute the entire agreement between you and us and supersede all previous written or oral agreements. If any part of these Terms of Use is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

GENERAL INFORMATION

Choice of Law and Forum: The Terms of Use and the relationship between you and FOFM Chat Room shall be governed by the laws of India without regard to conflict of law provisions. You and FOFM Chat Room, agree to submit to the personal and exclusive jurisdiction of the courts in Mumbai.

FOFM BLOGS

This is to inform and clarify that individuals (Registered members of FOFM community) may contribute articles and opinions on this Web Site entirely at the sole discretion of Financial Technologies, in the form of “blogs”, as such term is generally understood. You hereby acknowledge and agree that these blogs constitute the opinion of the Individuals in their personal capacity, and may not represent the official position of Financial Technologies in any manner. Financial Technologies retains all copyright to these blogs.

You may be permitted to post comments and feedback to these blogs. By doing so, You expressly agree and acknowledge to abide by the following:

You shall not defame, abuse, harass or threaten Financial Technologies or any third party, or otherwise violate the legal rights of Financial Technologies or any third party.
You shall not contribute any content or take any action that may in any manner adversely affect the reputation of Financial Technologies, or that is otherwise detrimental to Financial Technologies.
You shall not in any manner publish or post any inappropriate, defamatory, infringing, obscene, racist, terrorist, politically slanted, indecent or unlawful topic, name, material or information.
You shall not use profane and objectionable language or abbreviations. You shall not use any character(s) as a substitute for objectionable language.
You shall not in any manner reveal confidential or proprietary information of any third party. Specifically, You shall not post any material for which You do not have requisite and applicable right(s) under law.
You shall not in any manner reveal confidential or proprietary information of any third party. Specifically, You shall not post any material for which You do not have requisite and applicable right(s) under law.
You shall not conduct any contests or publish or propagate any forwards.
You shall not defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity but not limited to the foregoing) of any other party including Financial Technologies.
You shall not publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.
You shall not upload or otherwise make available, files that contain images, photographs, software or other material protected by intellectual property laws, including, by way of example, and not as limitation, copyright or trademark laws (or by rights of privacy or publicity) unless You own or control the rights thereto or have received all necessary consent to do the same.
You shall not upload files that contain viruses, trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.
You shall not advertise or offer to sell or buy any goods or services for any business purpose
You shall not download any file posted that You know, or reasonably should know, cannot be legally reproduced, displayed, performed, and/or distributed in such manner.
You shall not falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
You shall not create a false identity for the purpose of misleading others.
You shall not in any way deface or vandalize this Web Site, or prevent or restrict others from using this Web Site.
You shall indemnify and hold harmless Financial Technologies from any claims and loss incurred by Financial Technologies directly or indirectly as a result of Your violation of these Terms of Use.
You acknowledge that Financial Technologies may, at its sole discretion, monitor, remove or edit any content that You contribute. Financial Technologies may also pursue remedies available to it under law for any violation of these terms and conditions.