These Terms and Conditions of Service and Use ("Terms and Conditions") apply to the User’s use of and registration with website or mobile application MUNIM THE ACCOUNTANT herein after collectively referred to as the “Platform” and/or associated/partnered websites and/or associated/partnered apps and/or associated/partnered social media and/or subscription pages and/or communication of MUNIM BIZ SOLUTIONS PVT. LTD., a private Limited Company incorporated under the Companies Act, 2013 hereinafter referred to as the “Company” (where such expression shall, unless repugnant to the context thereof, be deemed to include its respective legal heirs, representatives, administrators, permitted successors and assigns.)


    Whether you are a start-up, SME or a large firm, we, MUNIM BIZ SOLUTIONS PVT. LTD., a business consultancy firm providing strategic solutions can fuel your growth at every stage with our bouquet of personalized services across registrations, accounting & taxation. We provide a holistic support to enterprises of all sizes and nature to help them ‘Start, Grow and Sustain’ right from incorporation to the expansion of business. We transform your vision into concrete actions and measurable results by eliminating all business formalities and hurdles from your journey. Our services are available on regular as well SOS basis (as, when and what’s required) for you to mitigate risks, take proactive decisions, and pursue your business goals efficiently and effortlessly.

    This app is a one stop solution for you. It is easy-going and lets you focus on your business rather than accounts & compliances. It manages your accounts, tax filing, GST filing, payroll, secretarial filing etc. which recur every month, quarter or year. It knows these small things are very important for your business to run without a break so as we can sort it out for you while you are busy minting money. Let us take the routine tasks off your hands forever so that you can focus on what matters the most! More hours in your day - Less time with routine tasks means more time to focus on what you really care about.


    For the purpose of these Terms of Use (“Terms”), wherever the context so requires,

    1. “We”, “Our”, and “Us” shall mean and refer to the Platform and/or the Company, as the context so requires.
    2. “You”, “Your”, “User” shall mean and refer to
      • Natural and legal individuals who use the Website and Mobile Application and who is of sound mind and competent to make sound and informed decisions.
    3. “Services” shall refer to the platform that is providing consultation and accounting services online.
    4. “Third Parties” refer to any Application, Company or individual apart from the User and the creator of this Website and Mobile Application and Mobile Application.
    5. “Platform” refers to the Website and Mobile Application which provides the user with the facility to seek information through Service guides published by the Company.
    6. “Personal Information” shall mean and refer to any personally identifiable information that We may collect from You such as Name, Email Id, Mobile number, Password, Photo etc. For removal of any doubts, please refer to Clause 4.
    1. Any reference in this Agreement to any provision of a statute shall be construed as a reference to that provision as amended, re-enacted or extended at the relevant time.
    2. The headings in this Agreement are for convenience only and shall not affect its interpretation.
    3. Use of the word “including” is without prejudice to the generality.
    4. Any reference to a clause or Schedule shall be construed as a reference to a clause of or schedule to this Agreement unless expressly stated to the contrary.
    1. The Company is committed to respecting the User’s online privacy and recognizes the User’s need for appropriate protection and management of any Personal Information that the User shares with the Company. The Company may collect the following information:

      • Personal data such as, but not limited to, Name, Email Id, Mobile number, Password, Age, Address, etc;
      • Tracking Information such as, but not limited to the IP address of your device and Device ID when connected to the Internet. This information may include the URL that you just came from (whether this URL is on the Platform or not), which URL you next go to (whether this URL is on the Platform or not), your computer or device browser information, and other information associated with your interaction with the Platform;
      • Details of Platform usage for analytics.
    2. The Company collects data from users who are not registered as members of this Platform, including, but not limited to, browsing behaviour, pages viewed, etc. The Company further collects and stores personal information provided by the User from time to time on the Platform. The Company only collects and uses such information from the User that the Company considers necessary for achieving a seamless, efficient and safe experience, customized to the User’s needs including:

      • To enable the provision of services opted for by the User;
      • To enable the viewing of content in the User’s interest;
      • To communicate the necessary account and service-related information from time to time;
      • To allow the User to receive quality customer care services and data Collection;
      • To comply with applicable laws, rules and regulations;
    3. Where any service requested by the User involves a third party, such information as is reasonably necessary by the Company to carry out the User’s service request may be shared with such third party. The Company shall use the User’s contact information to send the User offers based on his/her interests and prior activity and also to view the content preferred by the User. The Company may also use contact information internally to direct its efforts for service improvement but shall immediately delete all such information upon withdrawal of the User’s consent for the same through the ‘unsubscribe’ button or through an email to be sent to unsubscribe@munim.biz .

    4. To the extent possible, the Company shall provide the User with the option of not divulging any specific information that the User wishes for the Company not to collect, store or use. The User may also choose not to use a particular service or feature on the Platform and opt-out of any non-essential communications from the platform.

    5. Further, transacting over the internet has inherent risks which can only be avoided by the User following security practices himself/herself, such as not revealing account/login related information to any other person and informing our customer care team about any suspicious activity or where the User’s account has/may have been compromised.

    6. Before or at the time of collecting personal information, the Company will identify the purposes for which information is being collected. If the same is not identified to the User, the User shall have the right to request the Company to elucidate the purpose of collection of said personal information, pending the fulfillment of which the User shall not be mandated to disclose any information whatsoever.

    7. The Company shall collect and use the User’s personal information solely with the objective of fulfilling those purposes specified by the Company, within the scope of the consent of the individual concerned or as required by law. The Company shall only retain personal information as long as necessary for the fulfilment of those purposes. The Company shall collect personal information by lawful and fair means and with the knowledge and consent of the individual concerned.

    8. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

    1. I. The information provided by the User shall be used:

      • To provide and improve the service for the User and all users.
      • For maintaining an internal record.
      • For enhancing the Services provided.
    2. The Company shall use the User’s tracking information such as IP addresses, and or Device ID to help identify the User and to gather broad demographic information and make further services available to the User.

    3. The Company shall not sell, license or trade the User’s personal information. The Company will not share the User’s personal information with others unless they are acting under our instructions or the Company is required to do so by law.

    4. Information collected via the Company’s server logs includes users' IP addresses and the pages visited; this will be used to manage the web system and troubleshoot problems. The Company shall use third-party analytics, tracking, optimization and targeting tools to understand how users engage with the Company’s Platform so that the Company can improve it and cater personalized content/ads according to their preferences.

    1. These terms and conditions, the Privacy Policy and such other policies or any modifications/ changes/ amendments made thereto by the Company to the terms as may be prescribed by the Company (Hereinafter collectively referred as the “Terms”), together constitute a legally binding agreement between the User and the Company, in connection with the User’s access to or use of the website.

    2. By using the website, the User signifies his/her acceptance of these Terms and agrees to be legally bound by them. If at any time, the User does not agree or wishes to be bound by these Terms, the User shall stop accessing or otherwise using or continuing to use the website. These Terms supersede all previous oral and written terms and conditions (if any) communicated to the User by the Company, for the use of the website.

    3. The User expressly agrees and acknowledges that these Terms and the Privacy Policy are co-terminus in nature and that expiry/termination of either one will lead to the termination of the other.

    4. The User unequivocally agrees that these Terms and the aforementioned Policy constitute a legally binding agreement between the User and the Company, and that the User shall be subject to the rules, guidelines, policies, terms, and conditions applicable to any service that is provided by the Platform, and that the same shall be deemed to be incorporated into these Terms and shall be treated as part and parcel of the same.

    5. The User acknowledges and agrees that no signature or express act is required to make these Terms and the Policy binding on the User and that the User’s act of visiting any part of the Platform constitutes the User’s full and final acceptance of these Terms and the aforementioned Policy.

    6. The headings of each section in these Terms are only for the purpose of organizing the various provisions under these Terms in an orderly manner and shall not be used by either Party to interpret the provisions contained herein in any manner. Further, it is specifically agreed to by the Parties that the headings shall have no legal or contractual value.

  7. Duration

    This Agreement shall commence on the date stated at the beginning and shall continue in force, subject to early termination in accordance with the next following clause, until terminated by either party giving to the other not less than one month’s notice, such notice to expire at any time.


    The User/s must mandatorily register themselves on the platform through their Facebook or Google plus accounts to start using the services provided by the platform.

    1. The User has to be of sound mind and must be capable of making informed decisions after referring to the guides on the Website and Mobile Application.

    2. In the event of a minor accessing the Website and Mobile Application, it would be the responsibility of his immediate guardian to monitor the minor’s use, the platform or the Company will not be liable for any consequences.

    1. All the Content displayed including but not limited to the illustrations, photographs and write-ups on the Platform is created by the Company and is subject to copyright and shall not be reused by any party (or a third party) without the prior written consent of the Company and the copyright owner.

    2. The Users/Readers can submit their own guides/ write-ups. The same shall be reviewed by the Company before it is displayed on the Website and Mobile Application. The creator of the guide shall be credited as an author but all rights over the content, including but not limited to the copyright shall be vested with the Company.

    1. The User/s undertake to indemnify the Platform and keep it indemnified against all proceedings, claims, expenses, and liabilities whatsoever which may be taken or made against or incurred by the Platform or by reasons of the premises for any comments, feedback or any other form of content created by them, which has been published by the Company on the Platform.

    2. The User/s undertake to indemnify, defend and hold harmless the Company, its affiliates, officers, directors, employees, consultants, licensors, agents, and representatives from and against any and all third- party claims, losses, liabilities, damages, and/or costs arising from the User’s access to or use of the website or the services provided through the website, in violation of these Terms, or infringement of any intellectual property or other rights of the Company or any third-party.

    1. To the fullest extent permitted by law, in no event shall the Company or any of its directors, officers, employees, agents or content or service providers (collectively, the “Company Representatives”) be liable to the User for any direct, indirect, special, incidental, consequential, exemplary, remote or punitive damage, including, but not limited to damages for loss of profits, goodwill, use, data or other intangible losses arising from, or directly or indirectly related to, the use of, or the inability to use, the website or the content, materials, and functions related thereto, the services, User’s provision of information via the website, lost business, even if such Company Representatives have been advised of the possibility of such damages.

    2. In no event shall the Company Representatives be liable for:

      • the use or inability to use the website;
      • any content posted, transmitted, exchanged or received by or on behalf of any user or a person on or through the website;
      • any unauthorized access to or alteration of your transmissions of SPI or other user data; or
      • any other matter relating to the website.
    3. The Company is neither liable nor responsible for any actions or inactions of the other users of the website or any breach of conditions, representations or warranties by them. The Company is not obligated to mediate or resolve any dispute or disagreement between the User and other users of the Website.

    4. None of the directors, officials or employees of the Company shall be personally liable for any action in connection with the website or any services provided through the Website.

    1. These Terms shall continue to form a valid and binding contract between the Parties and shall continue to be in full force and effect until the User continues to access and use the Services and Platforms.

    2. A User may terminate their use of the Services and the Platform at any time.

    3. The Company may terminate these Terms without notice and/or suspend or terminate a User’s access to the Platform at any time and for any reason, if any discrepancy or legal issue arises. Such suspension or termination shall not limit our right to take any other action against the User/s that the Company considers appropriate.

    4. The Company and its members reserve the right, in its sole discretion, to unilaterally terminate the User’s access to the Services, or any portion thereof, at any time, without notice or cause.

    5. It is also hereby declared that the Company may discontinue the Services and Platforms without any prior notice.

    6. The User shall continue to be bound by these Terms, and it is expressly agreed to by the Parties that the User shall not have the right to terminate these Terms till the expiry of the same.

    1. By using this Services and Platforms and providing his/her identity and contact information to the Company through the Platform, the User hereby agrees and consents to receive calls, e-mails or SMS from the Company or any of its representatives at any time.

    2. Users can report to the Company any grievances or suggestions that they have through e-mail, if they find any discrepancy with regard to the information generated on the Platform, the Company will take necessary action after an investigation. The response with resolution (if any issues found) shall be dependent on the time that is taken for investigation.

    1. Client & Vendors are responsible for obtaining the data network access necessary to use the Services. Your mobile network's data and messaging rates and fees may apply if you access or use the Services from a wireless-enabled device and you shall be responsible for such rates and fees. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the Services and Applications and any updates thereto.

    2. MUNIM does not guarantee that the Services, or any portion thereof, will function on any hardware or devices. In addition, the Services may be subject to malfunctions and delays inherent in the use of the Internet and electronic communications.

    1. By using the website/ mobile application, the User represents and warrants to the Company that the: (a) User is 18 (eighteen) years of age or older; (b) The User’s use of the website and/or any services provided by the Company, will not violate any applicable law or regulation; and (c) all information that the User submits to the Company in connection with the website and/or for availing services is true and accurate.

    2. The User/s agree and acknowledge that they are a restricted user of this Platform and that they:

      • Authorize the Platform to use, store or otherwise process certain personal information and all published Content, reviews and ratings, comments and feedback for personalization of Services, marketing, and promotional purposes and for optimization of User-related options and Services.
      • Agree not to access (or attempt to access) the Platform and/or the materials or Services by any means other than through the interface provided by the Platform.
      • Expressly agree and acknowledge that the Content displayed on the Platform is for purpose of reference only, under no circumstance shall the User construe the same as expert/ professional advice. The User may, however, report any offensive or objectionable content, which the Company may then remove from the Platform, at its sole discretion.
      • Expressly agrees to make good any losses suffered by the Company or platform which result as a consequence of any act committed by the User including but not limited to acts of fraud, misrepresentation of information provided on the Company as expert advice or posting slanderous or libelous content in the form of comments or feedback.
      • Agrees that they are using the services of the Platform and accessing the platform at their own risk with their prudent judgment and the Company or Platform shall not be responsible for any resultant losses suffered.
      • Agrees that the platform will be used by him solely for non-commercial use with the intent of gaining information about the featured services in the form of guides. No commercial endorsements will be made on the platform which includes providing links to other platforms which may or may or may not be competitors of the Company. In the event of detection of commercial activity by a user, the Platform will have the right to bar him from posting further comments or content on the Platform.
      • The User hereby expressly authorizes the Company /Platform to disclose any and all information relating to the User in the possession of the Company /Platform to law enforcement or other government officials, as the Company may in its sole discretion, believe necessary or appropriate in connection with the investigation and/or resolution of possible crimes, especially those involve personal injury and theft/infringement of intellectual property. The User further understands the Company /Platform’s disclose of any information (including the identity of persons providing information or materials on the Platform) as necessary to satisfy any judicial Order, law, regulation or valid governmental request.
      • The User agrees to use the services provided by the Company, its affiliates, consultants and contracted companies, for lawful purposes only.
      • The User agrees not to use the website or the services provided, in any way that is unlawful, or harms the Company or any other person or entity, as determined in the Company’s sole discretion;
      • The User agrees not to make false or malicious statements against the Website or the Company; and post, copy, submit, upload, distribute, or otherwise transmit or make available any software or other computer files that contain a virus or other harmful component, or otherwise impair or damage the Website or any connected network, or otherwise interfere with any person or entity’s use or enjoyment of the website;
      • The User agrees not to engage in any form of antisocial, disruptive, or destructive acts, including “flaming,” “spamming,” “flooding,” “trolling,”, “phishing” and “griefing” as those terms are commonly understood and used on the internet; or
      • The User must not delete or modify any content on the website, including but not limited to, any information regarding any services provided, their performance, sales or pricing, legal notices, disclaimers or proprietary notices such as copyright or trademark symbols, logos, that you do not own or have express permission to modify;
      • The User agrees not to decompile, reverse engineer, or disassemble the content.
      • The User agrees not to post any material on the Website and Mobile Application that is defamatory, offensive, obscene, indecent, abusive, or needlessly distressful, or advertising any goods or services. More specifically, the User agrees not to host, display, upload, update, publish, modify, transmit, or in any manner share any information that:
        1. belongs to another person and to which the User has no right to; is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophile, libellous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, or otherwise unlawful in any manner whatever; but not limited to "indecent representation of women" within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986;
        2. violates any law for the time being in force;
        3. deceives or misleads the other users
    1. If, due to any reason, the Company is unable to provide to the User, the service or product that the User purchased from the Company, then the User shall be entitled to a refund subject to the following situations:

      • The Refund shall be only considered in the event there is a clear, visible deficiency with the service or product purchased from MUNIM.
      • In the event a customer has paid for a service and then requests for a refund with reason of a change in mind, the refund shall not be considered as there is no fault, defect, or onus on MUNIM.
      • Refund requests shall not be entertained after the work has been shared with the User in the event of change of mind. However, the Company shall give you the option of using the amount paid for by the User, for an alternative service in MUNIM amounting to the same value and the said amount could be applied in part or whole towards the said new service; and
      • If the request for a refund has been raised 30 (thirty) days after the purchase of a service or product has been completed and the same has been intimated and indicated via email or through any form of communication stating that the work has been completed, then, such refund request shall be deemed invalid and shall not be considered.
      • If the request for the refund has been approved by MUNIM, the same shall be processed and intimated to the User via email. This refund process could take a minimum of 15 (fifteen) business days to process and shall be credited to the User’s bank account accordingly.
    2. The Company shall handle the refund process with care and ensure that the money spent by the User is returned to him/her at the earliest.

    1. The Privacy Policy shall be in compliance with the General Data Protection Regulation (GDPR) in effect from May 25, 2018, and any and all provisions that may read to the contrary shall be deemed to be void and unenforceable as of that date. If you do not agree with the terms and conditions of our Privacy Policy, including in relation to the manner of collection or use of your information, please do not use or access the Site. If you have any questions or concerns regarding this Privacy Policy, you should contact our Customer Support Desk at customercare@munim.biz . Information provided on the Mobile Application may not be 100% accurate and may be provided for promotional purposes of the business.

    2. External Links on the Platform-

      The Platform may include advertisements, hyperlinks to other Mobile Applications, applications, content or resources. The Company has no control over any Mobile Applications or resources, which are provided by companies or persons other than Us.

      • The User acknowledges and agrees that the Company is not responsible for the availability of any such external sites or resources, and does not endorse any advertising, services/services or other materials on or available from such platform or resources.
      • The User acknowledges and agrees that the Company is not liable for any loss or damage which may be incurred by the User as a result of the availability of those external sites or resources, or as a result of any reliance placed by the User on the completeness, accuracy or existence of any advertising, services or other materials on, or available from, such Mobile Applications or resources.
      • These external Mobile Applications and resource providers may have their own privacy policies governing the collection, storage, retention and disclosure of the User’s Personal Information that the User may be subject to. The Company recommends the User to enter the external Mobile Application and review their privacy policy.
    3. Google Analytics-

      • The Company shall use Google Analytics to help the Company understand how the User makes use of our content and work out how we can make things better. These cookies follow the User’s progress through the Company, collecting anonymous data on where the User has come from, which pages does the User visits, and how long does the User spend on the site. These cookies do not store the User’s personal data.
      • The information generated by the cookie about the User’s use of the Mobile Application, including the User’s IP address, may be transmitted to and stored by Google on servers in the United States. Google may use this information for the purpose of evaluating the User’s use of the Mobile Application, compiling reports on Mobile Application activity for us and providing other services relating to Mobile Application activity and internet usage.
      • Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate the User’s IP address with any other data held by Google.
      • By using this Mobile Application, the User consent to the processing of data about you by Google in the manner and for the purposes set out above. The Google Mobile Application contains further information about Analytics and a copy of Google's privacy policy pages.
    4. Cookies-

      • The Company uses data collection devices such as “cookies” on certain pages of our Mobile Applications. “Cookies” are small files sited on the User’s hard drive that assists the Company in providing customized services. The Company also offers certain features that are only available through the use of a “cookie”. Cookies can also help the Company provide information which is targeted to the User’s interests. Cookies may be used to identify logged in or registered users. The Company’s Mobile Application uses session cookies to ensure that the User has a good experience. These cookies contain a unique number, User’s 'session ID', which allows the Company’s server to recognize the User computer and 'remember' what the User would have done on the site. The benefits of this are:
        1. The User only needs to log in once if the User is navigating secure areas of the site
        2. The Company’s server can distinguish between the User’s computer and other users, so the User can see the information that he/she has requested.
      • The User shall choose to accept or decline cookies by modifying the User’s browser settings if the User prefers. This may prevent the User from taking full advantage of the Mobile Application. The Company shall use various third-party cookies for usage, behavioral, analytics and preferences data. The following are the different types of cookies used on the Mobile Application:
        1. Authentication cookies :To identify the user and share the content that he/she requested.
        2. Functionality cookies: For the customized user experience and resuming past course progress.
        3. Tracking, optimization, and targeting cookies:To capture usage metric on the device, operating system, browser, etc. To capture behavioral metrics for better content delivery. To cater and suggest most suited services and services.
    5. Google AdSense-

      Google AdSense is a tool that allows Mobile Application publishers to deliver advertisements to site visitors in exchange for revenue calculated on a per-click or per-impression basis. To do this, Google uses cookies and tracking technology to deliver ads personalized to a Mobile Application user/visitor. In this regard, the following terms are specified to the Users:

      • Third-party vendors, including Google, use cookies to serve ads based on the User’s prior visits to the Company’s Mobile Application or other Mobile Applications.
      • Google's use of advertising cookies enables the Company and its partners to serve advertisements to the User based on their visit to the Company’s Platform and/or other Mobile Applications on the Internet.
      • The User may opt-out of personalized advertising by visiting Ads Settings.
      • All advertisements of third parties on the Company’s Platform are for informative purposes only and neither the Platform nor the Company guarantees or bears liability for the authenticity of the advertisements.
      • At no point will the Company permit its Competitors to advertise on the Platform
      • The User may visit the links in the advertisements at his/her own risk or choose to not accept the cookies permitting third parties to display their advertisements.
    6. Privacy Rights-

      Where the User holds an account with any of the Company’s services, the User is entitled to a copy of all personal data which the Company holds in relation to the User. The User is further entitled to request that the Company restricts how it use the User’s data in the User’s account when he/she logs in. Unless subject to an exemption, the User shall have the following rights with respect to the User’s personal data:

      • The right to request a copy of the User’s personal data which the Company hold about the User;
      • The right to request for any correction to any personal data if it is found to be inaccurate or out of date;
      • The right to withdraw the User’s consent to the processing at any time;
      • The right to object to the processing of personal data;
      • The right to lodge a complaint with a supervisory authority.
      • The right to obtain information as to whether personal data are transferred to a third country or to an international organization.
    7. Other Information Collectors-

      Except as otherwise expressly included in this Privacy Policy, it only addresses the use and disclosure of information that the Company collects from the User. To the extent that the User disclose his/her information to other parties, whether they are on the Company’s Platform or on other sites throughout the Internet, different rules may apply to their use or disclosure of the information that the User discloses to them. To the extent that the Company uses third party advertisers, they adhere to their own privacy policies. Since the Company does not control the privacy policies of the third parties, the User is subject to ask questions before the user discloses his/her personal information to others.

    8. VIII. Anti-Discrimination Policy:-

      MUNIM seeks to empower millions of accounting professionals across the world to deliver safe, reliable and high-quality services to our clients.MUNIM therefore does not tolerate, and prohibits discrimination againstcustomers or service providers based on religion, caste, race, national origin,disability, sexual orientation, sex, marital status, gender identity, age or anyother characteristic that may protected under applicable laws.Such discrimination includes, but is not limited to, refusing to provide or accept services based on any of these characteristics. Any of the client or vendor partner found to have violated this prohibition will lose access to the MUNIM platform.

    9. VIII. Anti-Discrimination Policy:-
      • The Company may host surveys for survey creators for the Company’s platform who are the owners and users of the User’s survey responses. The Company does not own or sell the User’s responses. Anything that the User expressly discloses in his/her responses shall be disclosed to survey creators. Please contact the survey creator directly to better understand how they might share the User’s survey responses.
      • Information collected will not be considered as sensitive if it is freely available and accessible in the public domain or is furnished under the Right to Information Act, 2005, any rules made thereunder or any other law for the time being in force.
      • Due to the existing regulatory environment, the Company cannot ensure that all of the User’s private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting and foregoing), the Company may be forced to disclose information to the government, law enforcement agencies or third parties. Therefore, although the Company uses industry-standard practices to protect the User’s privacy, the Company does not promise, and the User should not expect, that the User’s personally identifiable information or private communications would always remain private. The Company does however assure the User that any and all disclosure of the User’s personally identifiable information shall be personally intimated to him/her through an email sent to the User’s provided email address.
      • As a matter of policy, the Company does not sell or rent any personally identifiable information about the User to any third party. However, the following describes some of the ways that the User’s personally identifiable information may be disclosed:
        1. External Service Providers: There may be a number of services offered by external service providers that help the User use the Company’s Platform. If the User chooses to use these optional services, and in the course of doing so, disclose information to the external service providers, and/or grant them permission to collect information about the User, then their use of User’s information is governed by their privacy policy.
        2. Law and Order: The Company cooperates with law enforcement inquiries, as well as other third parties to enforce laws, such as intellectual property rights, fraud and other rights. The Company can (and the User authorizes us to) disclose any information about the User to law enforcement and other government officials as the Company, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose the Company or the User to legal liability.
    10. Accessing, Reviewing and Changing User’s Profile -

      Following registration, the User can review and change the information he/she submitted at the stage of registration, except Email ID and mobile number. An option for facilitating such change shall be present on the Platform and such change shall be facilitated by the User. If the User changes any information, the Company may or may not keep track of the User’s old information. The Company shall not retain in our files information the User have requested to remove for certain circumstances, such as to resolve disputes, troubleshoot problems and enforce the Company’s terms and conditions. Such prior information shall be completely removed from the Company’s databases, including stored ‘back up’ systems. If the User believes that any information, the Company is holding on the User is incorrect or incomplete, or to remove the User’s profile so that others cannot view it, the User needs to remediate, and promptly correct any such incorrect information.

    11. Control of User’s Password-
      • The User is entirely responsible for maintaining the confidentiality of the User’s password. It is important that the User protect it against unauthorized access of the User’s account and information by choosing User’s password carefully and keeping such password and computer secure by signing out after using the Company’s services.
      • The User agrees not to use the account, username, email address or password of another Member at any time or to disclose the User’s password to any third party. The User is responsible for all actions taken with the User’s login information and password, including fees. If the User loses control of the User password, he/she may lose substantial control over the User’s personally identifiable information and may be subject to legally binding actions taken on the User’s behalf. Therefore, if the User’s password has been compromised for any reason, the User should immediately change his/her password.
      • The User agrees to notify the Company immediately if the User suspects any consistent unauthorized use of the User’s account or access to User password even after changing it.
    12. Consent Withdrawal, Data Download & Data Removal Requests-

      To withdraw the User’s consent, or to request the download or delete the User’s data with the Company for any or all our services & services at any time, please email to contactus@munim.biz .

    13. Severability -

      Each paragraph of this Privacy Policy shall be and remain separate from and independent of and severable from all and any other paragraphs herein except where otherwise expressly indicated or indicated by the context of the agreement. The decision or declaration that one or more of the paragraphs are null and void shall have no effect on the remaining paragraphs of this privacy policy.

    14. Amendment-

      The Company’s Privacy Policy may change from time to time. The most current version of the policy will govern the Company’s use of the User’s information and will always be at the Platform. Any amendments to this Policy shall be deemed as accepted by the User on their continued use of the Platform.

    15. Automated Decision Making -

      As a responsible Company, we do not use automatic decision-making or profiling.


    Unless expressly agreed to in writing, nothing contained herein shall give the User a right to use any of the Platform’s Content which includes but is not limited to trade names, trademarks, service marks, logos, domain names, information, questions, answers, solutions, reports, illustrations, photographs, write-ups save and other distinctive brand features according to the provisions of these Terms.


    The User acknowledges that the Platform may contain information which is designated confidential by the Company and that the User shall not disclose such information without our prior written consent. The User’s information is regarded as confidential and therefore will not be divulged to any third party, unless if legally required to do so to the appropriate authorities. The Company shall not sell, share, or rent the User’s personal information to any third party or use the User’s e-mail address for unsolicited mail. Any emails sent by the Company will only be in connection with the provision of agreed services, and the User retains sole discretion to seek for discontinuation of such communications at any point of time.


    The Company shall treat data as an asset that must be protected against loss and unauthorized access. The Company employs many different security techniques to protect such data from unauthorized access by members inside and outside the Company. The Company follows generally accepted industry standards to protect the Personal Information submitted to the Company and information that the Company has accessed. However, as effective as encryption technology is, no security system is impenetrable. The Company cannot guarantee the security of our database, nor can the Company guarantee that information that the User provides won’t be intercepted while being transmitted to the Company over the Internet.


    Neither the Company nor the Platform shall be liable for damages for any delay or failure to perform its obligations hereunder if such delay or failure is due to cause beyond its control or without its fault or negligence, due to Force Majeure events including but not limited to acts of war, acts of God, earthquake, riot, fire, festive activities sabotage, labour shortage or dispute, internet interruption, technical failure, breakage of sea cable, hacking, piracy, cheating, illegal or unauthorized.


    Neither the Company nor the Platform shall be liable for damages for any delay or failure to perform its obligations hereunder if such delay or failure is due to cause beyond its control or without its fault or negligence, due to Force Majeure events including but not limited to acts of war, acts of God, earthquake, riot, fire, festive activities sabotage, labour shortage or dispute, internet interruption, technical failure, breakage of sea cable, hacking, piracy, cheating, illegal or unauthorized.


    Neither the Company nor the Platform shall be liable for damages for any delay or failure to perform its obligations hereunder if such delay or failure is due to cause beyond its control or without its fault or negligence, due to Force Majeure events including but not limited to acts of war, acts of God, earthquake, riot, fire, festive activities sabotage, labour shortage or dispute, internet interruption, technical failure, breakage of sea cable, hacking, piracy, cheating, illegal or unauthorized.

    1. Mediation: In case of any dispute between the parties, the Parties will attempt to resolve the same amicably amongst themselves, to the mutual satisfaction of all parties. In the event that the Parties are unable to reach such an amicable solution within thirty (30) days of one Party communicating the existence of a dispute to any other Party, the dispute will be resolved by arbitration, as detailed hereinbelow;
    2. Arbitration: In the event that the Parties are unable to amicably resolve a dispute by mediation, said dispute will be referred to arbitration by a sole arbitrator to be appointed by the Company, and the award passed by such sole arbitrator will be valid and binding on all parties. The Parties shall bear their own costs for the proceedings, although the sole arbitrator may, in his/her sole discretion, direct either Party to bear the entire cost of the proceedings. The arbitration shall be conducted in English, and the seat of Arbitration shall be the city of Moradabad, India.

    The Parties expressly agree that the Terms, Policy and any other agreements entered into between the Parties are governed by the laws, rules, and regulations of India and that the Courts at Moradabad, India shall have exclusive jurisdiction over any disputes arising between the Parties.


    Any and all communication relating to any dispute or grievance experienced by the User may be communicated to the Company by the User by emailing to contactus@munim.biz

    1. Entire Agreement: These Terms, read with the Policy, form the complete and final contract between the User and the Company with respect to the subject matter hereof and supersedes all other communications, representations, and agreements (whether oral, written or otherwise) relating thereto.
    2. Waiver: The failure of either Party at any time to require performance of any provision of these Terms shall in no manner affect such Party's right at a later time to enforce the same. No provision in these Terms will be deemed waived and no breach excused unless such waiver or consent is in writing and signed by the Company. No waiver by either party of any breach of these Terms, whether by conduct or otherwise, in any one or more instances, shall be deemed to be or construed as a further or continuing waiver of any such breach, or a waiver of any other breach of these Terms.
    3. Severability: If any provision/clause of these Terms is held to be invalid, illegal or unenforceable by any court or by an arbitral tribunal or authority of competent jurisdiction, the validity, legality, and enforceability of the remaining provisions/clauses of these Terms shall in no way be affected or impaired thereby, and each such provision/clause of these Terms shall be valid and enforceable to the fullest extent permitted by law. In such case, these Terms shall be reformed to the minimum extent necessary to correct any invalidity, illegality or unenforceability, while preserving to the maximum extent the original rights, intentions and commercial expectations of the Parties hereto, as expressed herein.
    4. Contact Us:
      • If you have any questions about this Agreement, the practices of the Platform, or your experience with the Service,
      • II. In the event, you come across any abuse or violation of these Terms or if you become aware of any objectionable content on the website, you can contact us at contactus@munim.biz .
    5. Notices: All notices and other communications required or permitted hereunder to be given to a party will be in writing, in English language, and will be sent by e-mail, or mailed by prepaid internationally-recognized courier, or otherwise delivered by hand or by messenger.