Terms & Conditions

Your website may use the Terms and Conditions given below.
The terms “We” / “Us” / “Our”/”Company” individually and collectively refer to American Academy of Financial Management India Pvt. Ltd. (AAFMI) and the terms “Visitor” ”User” refer to the users.
This page states the Terms and Conditions under which you (Visitor) may visit this website (“Website”). Please read this page carefully. If you do not accept the Terms and Conditions stated here, we would request you to exit this site. The business, any of its business divisions and / or its subsidiaries, associate companies or subsidiaries to subsidiaries or such other investment companies (in India or abroad) reserve their respective rights to revise these Terms and Conditions at any time by updating this posting. You should visit this page periodically to re-appraise yourself of the Terms and Conditions, because they are binding on all users of this Website.

1- USE OF CONTENT:
All logos, brands, marks headings, labels, names, signatures, numerals, shapes or any combinations thereof, appearing in this site, except as otherwise noted, are properties either owned, or used under licence, by the business and / or its associate entities who feature on this Website. The use of these properties or any other content on this site, except as provided in these terms and conditions or in the site content, is strictly prohibited.
You may not sell or modify the content of this Website or reproduce, display, publicly perform, distribute, or otherwise use the materials in any way for any public or commercial purpose without the respective organisation’s or entity’s written permission.

2- ACCEPTABLE WEBSITE USE:
(A) Security Rules
Visitors are prohibited from violating or attempting to violate the security of the Web site, including, without limitation, (1) accessing data not intended for such user or logging into a server or account which the user is not authorised to access, (2) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorisation, (3) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus or “Trojan horse” to the Website, overloading, “flooding”, “mail bombing” or “crashing”, or (4) sending unsolicited electronic mail, including promotions and/or advertising of products or services. Violations of system or network security may result in civil or criminal liability. The business and / or its associate entities will have the right to investigate occurrences that they suspect as involving such violations and will have the right to involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.
(B) General Rules
Visitors may not use the Web Site in order to transmit, distribute, store or destroy material (a) that could constitute or encourage conduct that would be considered a criminal offence or violate any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy or publicity of other personal rights of others, or (c) that is libellous, defamatory, pornographic, profane, obscene, threatening, abusive or hateful.

3- INDEMNITY :
The User unilaterally agree to indemnify and hold harmless, without objection, the Company, its officers, directors, employees and agents from and against any claims, actions and/or demands and/or liabilities and/or losses and/or damages whatsoever arising from or resulting from their use of www.cwmindia.com or their breach of the terms .

4- LIABILITY :
User agrees that neither company nor its group companies, directors, officers or employee shall be liable for any direct or/and indirect or/and incidental or/and special or/and consequential or/and exemplary damages, resulting from the use or/and the inability to use the service or/and for cost of procurement of substitute goods or/and services or resulting from any goods or/and data or/and information or/and services purchased or/and obtained or/and messages received or/and transactions entered into through or/and from the service or/and resulting from unauthorized access to or/and alteration of user’s transmissions or/and data or/and arising from any other matter relating to the service, including but not limited to, damages for loss of profits or/and use or/and data or other intangible, even if Company has been advised of the possibility of such damages.
User further agrees that Company shall not be liable for any damages arising from interruption, suspension or termination of service, including but not limited to direct or/and indirect or/and incidental or/and special consequential or/and exemplary damages, whether such interruption or/and suspension or/and termination was justified or not, negligent or intentional, inadvertent or advertent.
User agrees that Company shall not be responsible or liable to user, or anyone, for the statements or conduct of any third party of the service. In sum, in no event shall Company’s total liability to the User for all damages or/and losses or/and causes of action exceed the amount paid by the User to Company, if any, that is related to the cause of action.

5- DISCLAIMER OF CONSEQUENTIAL :
In no event shall Company or any parties, organizations or entities associated with the corporate brand name us or otherwise, mentioned at this Website be liable for any damages whatsoever (including, without limitations, incidental and consequential damages, lost profits, or damage to computer hardware or loss of data information or business interruption) resulting from the use or inability to use the Website and the Website material, whether based on warranty, contract, tort, or any other legal theory, and whether or not, such organization or entities were advised of the possibility of such damages.

Standard Terms for membership subscription :
Your payments will occur at regular fixed intervals and you can fix or vary the amount paid.
AAFM will ask you to allow the same amount to be debited from your card automatically at a regular fixed interval.
This allows payments to take place at a regular fixed interval.
Payments can run indefinitely or over a fixed period.
A regular agreement can initiate the payment whenever it is required.
The amount only has to be specified once by you, when the regular agreement is created.
If the amount is not specified when the agreement is created, the amount must be set at least two weeks before the first payment is due.
An agreement can be cancelled by you at any time.

What happens when you set up regular payments?
Regular payments will be made via your chosen credit or debit card. It should be noted that this is not a Direct Debit therefore payments are not covered by the Direct Debit Guarantee. We will use a Continuous Payment Authority (CPA) that allows us to attempt to transaction payments after a previous failed payment attempt. The advantage of CPA is that you will not incur any charges directly from us or your bank for a failed payment that you could incur with a direct debit. However, you may be charged by your bank for overdraft fees or other fees related to your balance.

The initial payment will be deducted from your specified account, we will then deduct the outstanding payments on the payment due dates indicated in your confirmation email. Where the due date is not a business day, we will withdraw from your funds on the next business day. The payments will cease on the last due date listed in your regular payments. You will receive a confirmation email when the payment schedule has been paid in full.

What happens if you need to change your regular payments?
For any changes to be made please contact 011-45120800, Press the option for Operator
If you want to cancel the regular payments.
You must notify us at least 10 business days before the next scheduled transaction. To cancel your regular payments, please connect with us on 011-45120800, Press the option for Operator

If you need to update your account information :
Please call us on 011-45120800, Press the option for Operator at least 10 business days before the next scheduled transaction for the update to take effect.
If a transaction is refused by your financial institution.
If your regular payment is declined for any reason, including insufficient funds, closed account, or unauthorized account, AAFM Finance Club will contact you on the email address provided when setting up the agreement and making your first payment. This email will notify you that payment has failed. It shall inform you that we will attempt to transact payment on each working day for the subsequent 2 working days. If the transaction is still refused after the 3rd attempt, the regular payments will be cancelled. Both parties will receive an email from AAFM Finance Club informing us that the payment schedule has been cancelled.

If you wish to make a complaint : 
To raise any issues of concern you may write to AAFM Finance Club on Memberships@aafm.club

Confidentiality :
We may share information we collect about you with external service providers. Our agreements with these service providers require that they protect your information and only use it to carry out the services they are performing for you.
Unauthorized Use :
If you think your account has been accessed without your permission, contact us immediately on 011-45120800, Press the option for Operator. We also advise you to contact your financial institution.