By visiting www. Lugi.org, or any of its associate/group sites, you -the Users / visitors / guests, have read, understood and agree to be legally bound by the terms of the following disclaimer and user agreement www. Lugi.org, is committed to ensuring that your -the Users / visitors / guests, privacy is protected. We, at www. Lugi.org, do ask you-the Users / visitors / guests, to provide certain information by which you can be identified when using this website -www. Lugi.org. We at www. Lugi.org, assure you that this information will only be used in accordance with this privacy statement. www. Lugi.org may change this policy from time to time by updating this page. You -the Users / visitors / guests, should check this page from time to time to ensure that you are happy with any changes. This policy is effective from July 1, 2015.

www. Lugi.org, has taken due care and caution in compilation of data for this web site- www. Lugi.org, The views and investment tips expressed by investment experts on www. Lugi.org, are their own, and not that of this website -www. Lugi.org or its management. www. Lugi.org, advises users to check with certified experts before taking any investment decision. However, www. Lugi.org does not guarantee the accuracy, adequacy or completeness of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. www. Lugi.org, especially states that it has no financial liability whatsoever to any user on account of the use of information provided on this website – www. Lugi.org.

www. Lugi.org is not responsible for any errors, omissions or representations on any of our pages or on any links on any of our pages. www. Lugi.org, does not endorse in anyway any advertisers on our web pages. Please verify the veracity of all information on your -the Users / visitors / guests, own before undertaking any alliance.

The information on www. Lugi.org is updated from time to time. www. Lugi.org, however excludes any warranties (whether expressed or implied), as to the quality, accuracy, efficacy, completeness, performance, fitness or any of the contents of this website- www. Lugi.org, including (but not limited) to any comments, feedback and advertisements contained within this Site -www. Lugi.org

www. Lugi.org contains material in the form of inputs submitted by users and www. Lugi.org, accepts no responsibility for the content or accuracy of such content nor does www. Lugi.org, make any representations by virtue of the contents of this website- www. Lugi.org, in respect of the existence or availability of any goods and services advertised in the contributory sections. www. Lugi.org makes no warranty that the contents of the website are free from infection by viruses or anything else which has contaminating or destructive properties and shall have no liability in respect thereof.

Part of www. Lugi.org contains advertising and other material submitted to us by third parties. Kindly note that those advertisers are responsible for ensuring that material submitted for inclusion on www. Lugi.org, complies with all legal requirements. Although acceptance of advertisements on this website -www. Lugi.org, is subject to our terms and conditions which are available on request, we do not accept liability in respect of any advertisements.

The use of this website -www. Lugi.org is governed by the general terms of usage of websites. In addition, www. Lugi.org retains all proprietary rights over the intellectual property and information made available to the user through this website -www. Lugi.org.

What we, at www. Lugi.org, collect the data from?

We at www. Lugi.org may collect the following information:

Name and job title

Other demographic information relevant to visitor surveys and/or offers

Contact information including email address

We at www. Lugi.org will automatically receive and collect certain anonymous information in standard usage logs through our Web server, including computer-identification information obtained from “cookies,” sent to your browser from:

Web server cookie stored on your hard drive

An IP address, assigned to the computer which you use

The domain server through which you access our service

The type of computer you’re using

The type of web browser you’re using

www. Lugi.org, advertisers may collect anonymous traffic information from their own assigned cookies to your browser.

What we at www. Lugi.org, do with the information we gather?

We at www. Lugi.org, require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

Internal record keeping.

We at www. Lugi.org may use the information to improve our products and services.

We, at www. Lugi.org may periodically send promotional emails about new happenings / updates of the financial services industry, new products / plans, special offers or other information which we think you -the Users / visitors / guests, may find interesting using the email address which you have provided.

From time to time, we, at www. Lugi.org, may also use your -the Users / visitors / guests, information to contact you for market research purposes. We, at www. Lugi.org, may contact you by email, phone, mobile phones, fax or mail. We may use the information to customize the website according to your interests.

Security:

We at www. Lugi.org, are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we, at www. Lugi.org, have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. Please note, however, that no transmission over the Internet can be 100% secure.

Links to other websites:

This website -www. Lugi.org may contain links to other websites of interest. However, once you have used these links to leave our site – www. Lugi.org, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you -the Users / visitors / guests, provide whilst visiting such sites and such sites are not governed by this privacy statement.  You -the Users / visitors / guests, should exercise caution and look at the privacy statement applicable to the website in question.

We, at www. Lugi.org may use your personal information to send you promotional information about third parties which we think you -the Users / visitors / guests, may find interesting.

If you -the Users / visitors / guests, believe that any information we, at www. Lugi.org, are holding on you is incorrect or incomplete, please write to or email us, thro the mail id: lugiwebmaster@gmail.com. We will promptly correct any information found to be incorrect.

www. Lugi.org has many features that provide for users/members to disclose their identities and communicate with other users/members. Your use of such features and disclosure of any personal details (e.g. e-mail address) by you -the Users / visitors / guests, through these features is at your -the Users / visitors / guests, sole risk and www. Lugi.org, accepts no responsibility for the same. However, if your -the Users / visitors / guests,  privacy has been intruded as a result of participating in such features, you -the Users / visitors / guests, could notify us by e-mail  thro the mail id: lugiwebmaster@gmail.com.   User agrees not to seek any injunctive relief nor claim any damages from www. Lugi.org,

Legal: Subject to exclusive jurisdiction of courts at Coimbatore, Tamilnadu, India.

THE USER ASSUMES TOTAL RESPONSIBILITY AND RISK FOR THE USAGE OF THE SITE AND THE INTERNET. www. Lugi.org,   DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF PROFITS OR PROSPECTS OF ANY INVESTMENT OPTIONS OR PRODUCTS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND www. Lugi.org SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. www. Lugi.org   DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.

THE USER UNDERSTANDS FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH MAY BE OFFENSIVE. USER’ ACCESS TO SUCH MATERIALS IS AT THEIR RISK. www. Lugi.org, HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS.

IN NO EVENT WILL www. Lugi.org, BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES LOSS ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF www. Lugi.org, OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE.

Any rights not expressly granted herein are reserved.