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disclaimers
"cumulative iq level of the ruling senate is below 100 (actually its 200 but 100 has been discounted on grounds of caesar being a puppet, since zibika is a republic)"
  - journal of intelligence  
  abzurdia, republic of zibika  
the gyaan given on this site is for the people and by the people. this site is meant for all those people who wish expand their horizons in the field of finance. the information provided on our site is very generic and is presented in good faith, but we do not make any promise or guarantee with respect to the reliability of any information provided on zibika.com
we believe in the gandhian philosophy that treats all men equally. so mr. bull, mr. bear and mr. kapish will be treated with due respect. the only exceptions being sex maniacs, competitors, hackers (mind you we have the best technology in the business), who will be taken to the cleaners.
we really don't know if you guys are going to be happy about the various products and services we are offering but we surely hope that you can appreciate the effort made by us.
we have provided useful links across various sections of the site. in no event shall we be liable for direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever arising out of or in any way connected with the use or performance of information, products, services or reliance on the contents of the advertisements and any other link or data on our site.
all financial information, logos, images, and likenesses are copyrighted property and trademarks of the concerned organisation. all the information has been obtained from published information and hence don't blame us for it.
our team of (un)professionals is very young, almost young enough to be in diapers. so think twice before mailing them with your queries and doubts.
the content provided in the site cannot be replicated, reproduced or robbed by any means possible. under no circumstances shall the users distribute, modify, transmit, make copies, or use the contents of the web site on any other site or media form.
individual disclaimers
markets:
zibika provides all market related data with a 5 min delay for nse, 15 min delay for bse, 30 min delay for ncdex and end of day data for mcx, mutual funds and commodities. this information is brought to you in association with C-MOTS Internet Technologies Pvt Ltd. (capital markets). the terms, conditions and information given on our website our subject to change at any given time without prior notice.
please consult your financial advisor (though he may not be as qualified as abzurd) before investing. investments are subjected to market risks. when you invest it's your money. when you make any profit on your investment, it's yours to claim, but so are any losses encountered by your investment.
insurance:
we do not provide any guarantee for the information provided on the various insurance policies on our site, since we don't know half the people who make these policies. and don't forget insurance is the subject matter of solicitation. moreover the information provided is based on the availability of it and we have made an attempt to provide complete information relating to the subject matter. however in case you need to pass on any information, advice, suggestions, illustrations or notifications that you wish to share correct us if we've gone awry anywhere.
tax:
the material contained in this website is of general information and compilation of statutes, circulars, and notifications etc. it is not intended to be legal advice on any particular matter. since, the contents in this website are dynamic in nature, viewers are advised, not to act upon this information or take it as word from god without seeking advice of a professional accountant. verify the data given, it's in your own interest to do so; refer to relevant government publications before arriving at any conclusion. none of the zibika staff shall be liable for any damage of any kind incurred from using any data from this site.
banking & cards:
while all necessary steps have been taken to ensure that all the bank rates are accurate and perfect and efforts have been taken by us to update each and every data to the fullest, we at the ruling senate have actually been psyched out handling this sector since most of the senate members had zero knowledge on it (like any other sector) and had plans of starting a gossip portal rather than a financial site. sadly it did not materialize as the grand master did not approve it. all said and done please do check with the respective banks & nbfcs in case of any doubts. alternatively consult your financial advisor before you commence using any of our listed products under banking and cards. in case of any omissions, inaccuracies, mistakes or typographical errors, the executive council is not responsible as we all usually work blind folded. any action on your part on the basis of the said content is at your own risk and responsibility.
calculators:
zibika does not give any warranty that all the calculators used on our site is/will be reliable, complete, accurate, current, suitable for your use. the user should use these calculators at ones own risk and zibika will not be responsible for any damage or losses incurred by the user due to the usage of our calculator without cross checking with his own individual sources. As most calculators are external links, the user is advised to act according to the terms and rules that govern the respective sites.
the legal disclaimer ...last one, we swear!
zibika infotech pvt. ltd. has not reviewed any or all of the web sites linked to this site and is not responsible for the content of any off-site pages or any other web sites linked to this site. please understand that any non-zibika web site is independent from zibika infotech pvt. ltd., and zibika infotech pvt. ltd. has no control over the content on that web site. in addition, a link to a non-zibika infotech pvt. ltd. web site does not mean that zibika infotech pvt. ltd. endorses or accepts any responsibility for the content, or the use, of such site. it is the user's responsibility to take precautions to ensure that whatever is selected is free of such items as viruses, worms, trojan horses and other items of a destructive nature.
the information zibika infotech pvt. ltd. publishes on its site may contain references or cross references to zibika infotech pvt. ltd. specifications, projects, programs and services that are not announced or available in your country. such references do not imply that zibika infotech pvt. ltd. intends to announce such specifications, projects, programs or services in your country.
information on this site may contain technical inaccuracies or typographical errors. information may be changed or updated without notice. zibika infotech pvt. ltd. may make improvements and/or changes in the materials contained in or described on this site at any time without notice. zibika infotech pvt. ltd. may also make changes in these terms and conditions without notice. user is bound by such revisions and should therefore periodically visit this page to review the then current terms and conditions.
limitation on warranties:
all materials on the zibika infotech pvt. ltd. site are provided "as is." we make no representations or warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, title or non-infringement. as to documents and graphics published on this site, zibika infotech pvt. ltd. make no representation or warranty that the contents of such document or graphics are free from error or suitable for any purpose; nor that implementation of such contents will not infringe any third party patents, copyrights, trademarks or other rights.
please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.
limitation on liability:
in no event will zibika infotech pvt. ltd. be liable to any party for any direct, indirect, special or consequential damages for any use of this site, or on any other hyperlinked web site, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if zibika infotech pvt. ltd. is expressly advised of the possibility of such damages.
this disclaimer is in regulation with the disclaimer of the 3wc (world wide web consortium)
zibika infotech pvt. ltd. 2008
 

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