Usage Policy

Updated on August 16, 2021

  • TERMS OF USE
  • PRIVACY STATEMENT
  • COOKIE POLICY
The use of any product, service, or feature (the "MATERIALS") available through the internet website accessible at http://www.lerojgar.com (the "Website") by any user of the Website or Android APP ("You" or "Your" hereafter) shall be governed by the following terms of use:

This website and the Android APP is provided and owned by Golden Red Consulting Private Limited on behalf of ourselves and our affiliate partners ("GOLDEN RED", “we”, “our” or “us”).

Acceptance of Terms: The following terms and conditions ("Terms of Use") govern your access to and use of this website and the related mobile applications provided by us, including any content and services offered on or through this website and/or the applications (referred to collectively as the "Website"). By using the Website or placing an order or by purchasing any MATERIALS from the Website, you accept and agree to abide by these Terms of Use and our Privacy Policy, found at "https://www.lerojgar.com/usage-policy/”. If you do not agree to these Terms of Use or the Privacy Policy, you must not access or use the Website or download any MATERIALS from the Website.

Information About You and Your Visits to the Website: By using the Website, you consent to allow us to use your information in compliance with the Privacy Policy. We will not notify you of any modifications or updates to these Terms of Use or the Privacy Policy.

Modification of Website: We may modify or update the content on this Website from time to time, but its content may not be complete or up-to-date at any given time.

Accuracy and Reliance on Website Information: We do not warrant the accuracy or completeness of the information or MATERIALS provided on this Website and disclaim all liability and responsibility arising from any reliance on such information.

This Website may include content provided by third parties including articles, news, reports, tools to facilitate calculation, company information and other data from external sources (the "Third Party Content"). You acknowledge and agree that the Third Party Content is not created or endorsed by us. The provision of Third Party Content is for general informational purposes only and does not constitute a recommendation or solicitation to purchase or sell product or goods or to make any other type of investment or investment decision or advance loans or credits. In addition, the Third Party Content is not intended to provide tax, legal or investment advice. You acknowledge that the Third Party Content provided to You is obtained from sources believed to be reliable, but that no guarantees are made by us or the providers of the Third Party Content as to its accuracy, completeness, timeliness. You agree not to hold GOLDEN RED, any business offering products or services through the Website or any provider of Third Party Content liable for any investment decision or other transaction You may make based on Your reliance on or use of such data, or any liability that may arise due to delays or interruptions in the delivery of the Third Party Content for any reason.

User Contributions: The Website may contain or provide links to message boards, personal web pages or profiles, discussion forums, bulletin boards and other interactive features (including feedback and suggestions) that allow users to post content or MATERIALS by way of post, upload, inputs or submit ("User Contributions") on or through the Website. All User Contributions must comply with the Content Standards as set out below in these Terms of Use.

Any User Contribution you post to the Website must be non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our service providers and respective licensees, successors and assigns a royalty-free, unrestricted, worldwide, perpetual, non-exclusive and fully transferable, assignable and sub-licensable right to use, reproduce, modify, display, distribute and otherwise disclose to third parties any such MATERIALS for cot or otherwise.

You hereby acknowledge and agree that no compensation shall be paid or no future commercial consideration has accrued with respect to the use of Your User Contribution by GOLDEN RED, as provided herein.

By Posting a contribution You hereby warrant and represent that You own or otherwise control all of the rights required under worldwide law for Your Contribution as described in these Terms of Use including, without limitation, all the rights necessary for You to provide, post, upload, input or submit Your Contribution. You, and not GOLDEN RED, are responsible for any User Contributions You post on the Website.

Monitoring and Enforcement: We reserve the right to: (a) remove or refuse to post or use any User Contributions for any reason; (b) take any action with respect to any User Contribution that we deem necessary or appropriate, including if we believe that such User Contribution violates the Terms of Use, infringes any intellectual property right or other right of any person or entity or could create liability for GOLDEN RED; (c) disclose your identity or other information about you to any third party who claims that MATERIALS posted by you violates their rights, including their intellectual property rights or their right to privacy; (d) take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website; and (e) terminate or suspend your access to all or part of the Website for any reason, including any violation of these Terms of Use.

However, we do not undertake to review all MATERIALS before it is posted on the Website and cannot ensure prompt removal of objectionable MATERIALS after it has been posted.

Content Standards: These content standards (“Content Standards”) apply to any and all User Contributions and use of any interactive services. User Contributions must comply with all applicable laws and regulations and must not: (a) contain any MATERIALS which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable; (b) promote sexually explicit or pornographic MATERIALS, violence, or discrimination; (c) infringe any patent, trademark, trade secret, copyright or other intellectual property or other rights of any other person; (d) promote any illegal activity; (e) misrepresent your identity or affiliation; (f) involve commercial activities, such as contests, sweepstakes and other sales promotions or advertising; or (g) give the impression that they are posted or endorsed by us or any other person or entity, if this is not the case.

Your Ability to Download Content from the Website: You may download content for non-commercial, personal use only, provided that copyright, trademark or other proprietary notices remain unchanged and visible. No right, title or interest in any downloaded MATERIALS is transferred to you as a result of any such downloading or copying. We grant You a non-exclusive, non-transferable, limited right to access, use and display this Website and the MATERIALS hereon. You agree not to interrupt or attempt to interrupt the operation of the Website in any manner. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this Website.

Links from the Website: If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. We have no control over the contents of those sites or resources and we are not responsible for them or for any loss or damage that may arise from your use of them and provision of such links in no manner be construed to imply endorsement of GOLDEN RED in any manner of the such links. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites. We are not responsible for webcasting or any other form of transmission received from any linked site.

Disclaimer of Warranties: YOUR USE OF THIS WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THIS WEBSITE IS AT YOUR OWN RISK. THIS WEBSITE, ITS CONTENT AND ANY SERVICES OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER GOLDEN RED NOR ANY PERSON ASSOCIATED WITH GOLDEN RED MAKES ANY WARRANTY OR REPRESENTATION THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

GOLDEN RED DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

THESE DISCLAIMERS DO NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability: IN NO EVENT WILL GOLDEN RED OR ANY PERSONS ASSOCIATED WITH GOLDEN RED BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY MATERIALS ON THE WEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OBTAINED THROUGH THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL OR LOSS OF DATA, EVEN IF GOLDEN RED IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification: You agree to defend, indemnify and hold harmless GOLDEN RED and its affiliates, and its and their respective officers, directors, employees, contractors, agents, licensors, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees and other legal costs) arising out of or in connection with your violation of these Terms of Use or your use of any information obtained from the Website.

Disclaimer: THIS WEBSITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL AND CLERICAL ERRORS. WE EXPRESSLY DISCLAIMS ANY OBLIGATION(S) TO UPDATE THIS WEBSITE OR ANY OF THE MATERIALS ON THIS WEBSITE. WE DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THIS WEBSITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM OR INFORMATION SHALL BE AT YOUR SOLE RISK. WE RESERVE THE RIGHT, IN OUR SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE WEBSITE. WE MAY MAKE ANY OTHER CHANGES TO THIS WEBSITE, ITS MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE WEBSITE AT ANY TIME WITHOUT NOTICE. THIS WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TECHNICAL ADVICE OF ANY MANNER.

Unlawful and/or Prohibited Use of the Website: As a condition of Your use of the Website, You shall not use the Website for any purpose(s) that is unlawful or prohibited by the Terms of Use. You shall not use the Website in any manner that could damage, disable, overburden, or impair any our server, or the network(s) connected to any our server, or interfere with any other party's use and enjoyment of any services associated with the Website. You shall not attempt to gain unauthorized access to any section of the Website, other accounts, computer systems or networks connected to any our server or to any of the services associated with the Website, through hacking, password mining or any other means. You shall not obtain or attempt to obtain any MATERIALS or information through any means not intentionally made available through the Website.

Waiver and Severability: No waiver by GOLDEN RED of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of GOLDEN RED to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent possible such that the remaining provisions of the Terms of Use will continue in full force and effect.

Trademarks: This Website features logos, brand identities and other trademarks and service marks (collectively, the "Marks") that are the property of or are licensed to GOLDEN RED or the third-party. You must not use the Marks without the prior written permission of GOLDEN RED. All other names, logos, product and service names, designs and slogans on this Website are the trademarks of their respective owners.

Copyright Notice: Unless otherwise noted, the graphic images, buttons and text contained in this Website are the exclusive property of GOLDEN RED.

Jurisdiction: Any dispute or claim relating to the Website and these Terms of Use shall be governed by the laws of India without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the courts of Gurgaon. You waive any and all objections to the exercise of jurisdiction over You by such courts and to venue in such courts.

Entire Agreement: The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and GOLDEN RED with respect to the Website and supersede all prior understandings, agreements, representations and warranties, both written and oral. Any claim You may have with respect to Your use of the Web Site must be commenced within one (1) year of the cause of action.
This website (https://www.lerojgar.com/) is operated by Golden Red Consulting Private Limited on behalf of ourselves and our affiliate partners ("GOLDEN RED", “we”, “our” or “us”).

Your privacy: We recognize that when you choose to provide us with information about yourself, you trust us to act in a responsible manner. That's why we have adopted a policy regarding how we collect, use and protect your personal information (“Privacy Policy”). This Privacy Policy is incorporated into and part of the Terms of Use, found at "https://www.lerojgar.com/usage-policy/” (may change) that govern your access to and use of this website, including any content and services offered on or through this website (the "Website"). By using the Website, you agree to be bound by our Privacy Policy and Terms of Use.

What information do we collect? How do we use it? At times we may request that you voluntarily supply us with personal information. Generally, this information is requested when you register for an online service, when you provide information in connection with an online transaction or when you contact us in relation to the Website or our services. We may gather information about you:

When you register with us we ask for information such as your name, email address, corresponding address, permanent address, contact number. We keep a record of this information. This is necessary for us to recognize you as a registered Website user. We may keep a record of your preferences so that we can tailor our offers and services to you.

Once you have registered, you may join our discussion forums and we may hold information about you from your use of such discussion forums.

When you enter register for a client event or other promotional event, we may ask for your name, address, telephone number and email address so we can administer the event.

If you choose to give us personal information via the Website that we or our business partners may need, for example, to correspond with you, we will use such information to do so. If you tell us that you do not wish to have this information used as a basis for further contact with you, we will respect your wishes.

We will use your personal details and information we obtain from other sources to provide you with information about our services, for administration and customer services, for marketing, to ensure that the content, services and advertising that we offer are tailored to your needs and interests. We may keep your information for a reasonable period for these purposes. We may need to share your information with our service providers and agents for these purposes. We may disclose personal data in order to comply with any applicable law, order of a court of competent jurisdiction or of any supervisory, governmental or regulatory body, in or outside your country of residence. We may also disclose personal data in the event of a merger, sale or reorganization where we are required to transfer personal information to a third party involved in such process.

We intend to continue improving the content and function of our Website. For this reason, we may monitor customer traffic patterns and Website usage to help us improve the design and layout of our Website and provide content of interest to you.

Use of cookies, web beacons and other devices: For information about how we use cookies, web beacons and other devices to monitor users’ behaviour, please see our Cookie Policy at “https://www.lerojgar.com/usage-policy/” (may change)

How do we use your information for marketing? We may share your information within affiliated organizations and with our business partners for marketing purposes or we may send you information about other organizations' goods and services. We or any business partners may contact you, directly or via our agents, by mail, telephone, fax, email, SMS or other electronic messaging service with offers of goods and services or information that may be of interest to you. By providing us with your fax number, telephone numbers or email address you consent to being contacted by these methods for these purposes. If you do not wish to receive marketing information either from us or our business partners, please indicate this where requested on the registration or contact form or contact us using the details below.

Your consent and other people's information: By providing us with your personal information, you consent to our processing your personal data, including sensitive personal data, for the above purposes. You also consent to our transferring your information to us or our service providers in India if necessary for the above purposes. If we do make such a transfer to our third party service providers, we or they will, if appropriate, put a contract in place to ensure that your information is protected. If you provide us with information about another person you confirm that they have appointed you to act for them, to consent to the processing of their personal data including sensitive personal data and that you have informed them of our identity and the purposes (as set out above) for which their personal data will be processed. When we first contact them we may tell them where we got their information from.

How do we protect your information? We offer the use of a secure server and Secure Socket Layers (SSL) encryption technology to protect your information. However, given the electronic nature of the internet, by using this Website, you accept the inherent risks in doing so, including, but not limited to, the security risks of interception, unauthorized access, the risks of corruption and the risks of viruses or other harmful devices.

Disclaimer: We link to other Websites. We are not responsible for the content or privacy policies of these websites for the way in which information about their users is treated. In particular, unless expressly stated, we are not agents for these Websites or advertisers nor are we authorized to make representations on their behalf. In any event, you should explore the privacy practices of those third parties.

Passwords: In order to bring you more personalized services, we may ask you to establish one or more passwords to gain access to certain services or sections in either our Website or the website(s) of other suppliers whose products or services are available to you via a link from our Website. You are solely responsible for the control and use of each password you create.

Updates: We may update our Privacy Policy from time to time. If we make a MATERIALS change to the policy, we will post a notice on our Website, together with an updated Privacy Policy.

Unsubscribe/changing your mailing preferences: If you have received an e-mail or e-mails from GOLDEN RED that you no longer wish to receive please contact us at ask@lerojgar.com.
This website (https://www.lerojgar.com/) is operated by Golden Red Consulting Private Limited on behalf of ourselves and our affiliate partners ("GOLDEN RED ", "we", "our" or "us").

This Cookies Policy is incorporated into and part of the Privacy Policy, found at "https://www.lerojgar.com/usage-policy/” (may change). The Privacy Policy is in turn incorporated into and part of the Terms of Use that govern your access to and use of this website, including any content and services offered on or through this website (the "Website"). By using the Website, you agree to be bound by our Privacy Policy, including this Cookies Policy, and the Terms of Use.

What is a cookie? Cookies are small text files placed on your computer and are commonly used on the internet. There are various types of cookies which perform different functions, such as analysing a user's browsing behaviour or recording a user's navigation of a website so that when a user revisits that site, the site owner can present tailored options to the user based on the stored information about previous visits.

We use cookies to implement and remember user preferences and also to monitor site user traffic and usage. This helps use to understand how visitors use our Website so that we can develop and improve the design, layout and functionality of the Website.

Accepting or rejecting cookies: Most web browsers will accept cookies, but if you would prefer that we did not collect data by this method, you can disable this function within your browser settings. If you want to delete any cookies that are already on your computer, please refer to the instructions for your web browser software to delete cookies and disable their use.

For more information about cookies, including further information about deleting or disabling cookies, please visit: www.allaboutcookies.org.

We use cookies to: collect information that will help us to distinguish visitors, to implement language preferences on our website and to improve their experience; compile statistical reports on website activity through analytics cookies e.g. numbers of visitors and the pages they visit; remember information about you when you visit our Website.

Below, we have set out the three categories of cookies that we use on our Website.

These cookies are: Strictly necessary cookies, Performance cookies and Functionality cookies. Our Website also includes third party cookies, which are cookies not set by us. For each of the three categories above, you can find descriptions of the cookies below.

Strictly necessary cookies:These cookies are essential in order to enable you to move around the Website and use its features, such as accessing secure areas of the Website. Without these cookies, services you have asked for, such as logging into your account or customer profile, cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet.

AUTH_COOKIE – this cookie is used to track a user's login and enable the user to access the secure section of the Website.

Performance cookies:These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. We use a number of analytics web cookies which are set out below. These analytics cookies allow us to record information such as the number of visitors to the Website (new and repeat visitors), duration on the site, number of registration completions, entry and exit page of user; all of which enables us to see how visitors use the Website so that we can improve the way that our Website works. These cookies do not collect personal information that identifies a visitor as the information contained is anonymous, however some will track a users' IP addresses to provide us with information about which companies are accessing our Website.

SC_ANALYTICS_SESSION_COOKIE – this analytics cookie is provided by Sitecore. It records which pages of the Website you visit and how long you stay on it. We use this information to help improve our Website. This cookie is not used to identify individuals using the Website.

SC_ANALYTICS_GLOBAL – this analytics cookie is provided by Sitecore. It tracks a visitor’s multiple visits to our Website in one year. We use this information to help improve our Website. This cookie is not used to identify individuals using the Website.

ProspectFinder – this analytics cookie provided by enecto tracks which pages the user has been visiting during the session and identifies corporate users according to the IP address they enter the Website. The IP addresses are used to track which companies are accessing our Website. This cookie is not used to identify individuals using the Website.

Google Analytics cookie ("_utma/b/z2) – this analytics cookie provided by Google allows us to measure and analyse visitor information such as browser usage, visitor numbers, and which pages are used. We use this information to help improve our Website. The information generated by this cookie about your use of the Website (including your IP address) will be transmitted to and stored by Google on its servers in the United States.

These cookies may be changed if the functionality of the Website changes.

Functionality cookies: These cookies allow our Website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced features. The information these cookies collect is usually anonymized. They do not gather any information about you that could be used for advertising or remember where you have been on the internet.

USE_COOKIES – this cookie is placed to recognise when a user has permitted the use of site cookies.

PREFERRED_SITE - this cookie is used to track a user's preferred country.

Website#lang – this cookie is provided by Sitecore. This cookie tracks a user's language selection. The name of the cookie varies based on the configured site name (e.g. krediaid#lang).

These cookies may be changed if the functionality of the Website changes.

Web Beacons: We may also use pixel technology (also known as "web beacons" or "clear GIF's") in our emails. These web beacons can be used in conjunction with information collected via cookies to identify our users and personalize the Website and our services whenever possible and to track the success of marketing campaigns.

For example, if a user has opened an email from us containing web beacons and has accepted cookies on our Website, we can: find out when the user has opened our email; welcome the user back personally to our Website; and track which pages of our Website the user visits.

If you object to web beacons, we recommend that you follow the instructions for deleting existing cookies and disabling future cookies on the following website link: http://www.allaboutcookies.org/manage-cookies/.

This policy may be updated from time to time.

Please note that if you disable cookies, the Website functionality may be impaired and you may not be able to access certain areas or features of our site.

If you have any questions about our Cookies Policy, please send an email to ask@lerojgar.com.