With Terms and Conditions
1. Introduction & Acceptance of Terms of Use
Please read the following information carefully before using this web site.

Terms of Use also herein referred as Agreement is an electronic contract that sets out the legally binding terms of your use of the web site and the service(s).

By accessing or using this web site, you acknowledge that you have read, understood, agreed and accepted to the Terms of Use and follow all applicable laws and regulations.

If you do not agree with the Terms of Use, do not use this web site and or the service(s).

ICRMS® reserves the right, in its sole discretion, to modify or update these Terms of Use at any time.

Please check the Terms of Use each time you visit our web site for the most current information and your use of this web site after such posting will constitute acceptance by you of such changes.

For purposes of this ICRMS® website, “ICRMS” means International Credit & Risk Management Service, Integrated Credit & Risk Management Solutions, its subsidiaries, affiliates, divisions, contractors, group companies, all the locations of ICRMS branches / offices situated at different geographical area across the globe as duly registered name available in that specific location.

These Terms of Use are in addition to the specific terms and conditions that apply to the products or services offered by ICRMS®.

2. Eligibility
By using the website, you represent and warrant that you have the right, authority and capacity to use this website and to abide by all of the Terms of Use.

Our service(s) are available only to individuals and companies that can form legally binding contracts under applicable law.

3. Disclaimer of Warranties and Liabilities
ICRMS does not warrant the accuracy, completeness or timeliness of any of the data and/or programs (“Information”) available at this website.

The Information is provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title or non-infringement.

In no event will ICRMS or its subsidiaries, or its affiliates, or its divisions, or its contractors, or its group companies, or employees, or suppliers, or any of their employees be liable to any party for any direct, indirect, special, consequential or other damages for any use of or reliance upon the information found at this web site, or on any other linked website, including, without limitation, lost profits, business interruption, loss of programs or other data, even if ICRMS® is expressly advised of the possibility of such damages.

ICRMS® and its affiliated companies assume no responsibility for material created or published by third parties that are referenced by a link from this site or which may be linked to this site.

You will be responsible for the content of any material you enter on this website.

ICRMS® has no responsibility for the content of any messages or information posted by users, or for the content of information of third parties on the internet, even if accessed through this website.

However, ICRMS® retains the right, which it may or may not exercise in its sole discretion, to review, edit or delete any material that ICRMS® deems to be illegal, offensive or otherwise inappropriate.

You may be able, through hypertext or other computer links, to gain access to other sites on the internet that are not part of this website.

ICRMS® makes no representations, warranties or endorsements with respect to any website that may be accessed from this website.

When you access a non-ICRMS site, ICRMS® has no control over the content or information at that site.

It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other items of a destructive nature.

4. Copyright and Trademark
ICRMS® and ICRMS® marks herein are service marks or registered trademarks of Integrated Credit & Risk Management Solutions (ICRMS) and International Credit Risk Management Services and / or one of its associated companies, however represented, including stylised representations, all associated logos and symbols, and combinations of any of the foregoing with another word or mark.

The data and / or information contained on this website, documents and related materials are the intellectual property of ICRMS® and must not be reproduced, copied, distributed or made available in any form whatsoever for any purpose without the written permission of ICRMS®.

ICRMS® reserves the right to revise its solutions, products and services or withdraw access to part or all of it at any time.

ICRMS®, at its sole discretion can modify from time-to-time the features and / or functionalities of the solutions and / or products and / or services listed on its website

5. Publicity
Any public disclosure shall not be made with respect to this ICRMS® Project(s) and / or its Clients’ and / or any activity related to ICRMS® at worldwide level under any circumstances without prior written consent of the ICRMS®.

6. Severability
If any provision of this Term of Use or the application thereof to any persons, company, companies or circumstance shall be invalid, prohibited or unenforceable to any extent for any reason including by reason of any law or regulation or government policy, this Term of Use shall be considered divisible as to such provision and such provision shall be inoperative and shall not be part of the consideration moving from one party to another and the remainder of this Term of Use and the application of such provision to persons, company, companies or circumstances other than those as to which it is held invalid or unenforceable shall not be affected thereby, and each provision of this Term of Use shall be valid and enforceable to the fullest extent permitted by law.

Any invalid or unenforceable provision of this Term of Use shall be replaced with a provision, which is valid and enforceable and most nearly reflects the original intent of the unenforceable provision.

7. Indemnification
You agree to reimburse ICRMS®, its officers, employees, agents, and partners for all losses, damages, and costs, including reasonable attorney's fees, resulting from your violation of these Terms of Use.

8. International Use
By accessing this website, it is implicitly agreed upon that you will follow all local rules about the internet, data, e-mail, and privacy laws that apply to transmitting technical data exported from the country of your residence.

9. Privacy Policy
When you visit this web site, we may use your personal data, collect general internet data, including but not limited to your domain name, the web page from which you entered our website, which of our web pages you visited, and how long you spend on each page.

To collect this information, when you visit this website, a "cookie" may be set on your computer.

Cookies contain a small amount of information that allows web servers to recognise you whenever you visit.

By accessing this website, you agree to provide the implicit consent to collect, share and use the above mentioned information for various reasons that includes not limited to such as our market research, business development and recruitment.

You may choose to participate in our market research activities at your own discretion.

Should you choose to participate, we may use information you provide to improve your experience with our products and services.

We may engage third parties to assist us with our market research efforts who may retain non-personalised and all personal aggregated information provided by you will only be used for research purposes only.