TERMS AND CONDITIONS

Effective Date: [01/04/2025]
Last Updated: [01/04/2025]

Introduction

Welcome to RatioCI, accessible at https://ratioci.in/ (hereinafter referred to as the “Website,” “Site,” or “RatioCI”). These Terms and Conditions (“T&C,” “Terms,” or “Agreement”) constitute a legally binding agreement between you, the user ( hereinafter referred as “User,” “You,” or “Your”), and the owner and operator of RatioCI, (hereinafter referred as “We,” “Us,” or “Our”). This Agreement governs your access to and use of the Website, including all content, features, and services offered herein.

By accessing, browsing, or using this Website in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and Our Privacy Policy, which is incorporated herein by reference (Click Here). If you do not agree with any part of these Terms, you must immediately cease all use of the Website. Your use of the Website signifies your acceptance of these Terms and forms a valid and enforceable electronic contract under the provisions of the Indian Contract Act, 1872, and the Information Technology Act, 2000, and the rules thereunder. This acceptance is akin to a “click-wrap” agreement, where continued usage implies consent.

These Terms apply to all visitors, users, registered members, guest authors, and any other individuals who access or interact with the Website. This Website operates under, and this Agreement shall be interpreted in accordance with, the laws of India, including but not limited to the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 (the “IT Rules”), the Indian Contract Act, 1872, the Copyright Act, 1957, and other relevant statutes. As RatioCI may host content provided by third parties (Guest Authors), it may be classified as an ‘intermediary’ under the IT Act and IT Rules. These regulations mandate the publication of Terms and Conditions and a Privacy Policy outlining rules, regulations, user obligations, and consequences of non-compliance, making this document a legal necessity for Our operation in India.

1. Definitions

For the purposes of this Agreement, the following terms shall have the meanings ascribed to them below:

• “Website”, “Site”, “RatioCI”:Refers to the online platform accessible at https://ratioci.in/, including all associated webpages, subdomains, content, code, software, databases, functionality, features, and services provided thereon.
• “We”, “Us”, “Our”: Refers to, the legal owner and operator of the RatioCI Website.
• “User”, “You”, “Your”: Refers to any individual or entity accessing, browsing, or using the Website in any capacity, including but not limited to general readers, students, legal professionals, Guest Authors, or casual visitors.
• “Content”: Encompasses all information, data, text, articles, papers, blogs, summaries, notes, analyses, opinions, graphics, logos, images, photographs, audio clips, video clips, software, code, user interface elements, design, layout, and any other materials found on or made available through the Website. This includes both RatioCI Original Content and Guest Author Content.
• “RatioCI Original Content”: Refers to all Content created, developed, commissioned, or otherwise owned by Us and published on the Website.
• “Guest Author”: An individual, not employed by Us, who voluntarily submits Content for potential publication on the Website under the terms outlined herein.
• “Guest Author Content” / “Submission”: Refers to any Content, including articles, papers, case analyses, notes, or other materials, submitted by a Guest Author to Us for consideration and potential publication on the Website.
• “Intellectual Property Rights” (IPR): Means any and all rights existing from time to time under patent law, copyright law (including moral rights), semiconductor chip protection law, trade secret law, trademark law, unfair competition law, publicity rights law, privacy rights law, and any and all other proprietary rights, as well as any and all applications, renewals, extensions, restorations and re-instatements thereof, now or hereafter in force and effect worldwide.
• “T&C”, “Terms”, “Agreement”: Refers collectively to these Terms and Conditions, including any future amendments or updates, and the Privacy Policy incorporated by reference.

2. Use of the Website

• License to Use: Subject to your strict compliance with these T&C, We grant You a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Website and its Content solely for Your personal, non-commercial, informational, and educational reference purposes. This license is conditional upon Your adherence to all terms herein and does not grant You any ownership rights in the Website or its Content.
• Acceptable Use Policy: You agree that Your use of the Website will be lawful and in accordance with these Terms. You explicitly agree not to engage in any of the following prohibited activities:
  • Reproducing, distributing, modifying, creating derivative works of, publicly displaying, publicly performing, republishing, downloading, storing, transmitting, selling, reselling, licensing, or otherwise exploiting any portion of the Website or its Content for any commercial purpose, except as expressly permitted by these T&C or with Our prior written consent.
  • Using the Website in any way that violates any applicable central, state, local, or international law or regulation within India or Your jurisdiction.
  • Employing any automated device, process, or means (such as robots, spiders, scrapers, data mining tools, or similar data gathering and extraction tools) to access the Website for any purpose, including monitoring or copying any of the material on the Website, without Our express written permission.
  • Introducing or transmitting any viruses, Trojan horses, worms, logic bombs, malware, spyware, or other material that is malicious or technologically harmful to the Website, Our servers, or other users.
  • Attempting to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
  • Posting, uploading, or transmitting any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically, or otherwise objectionable.
  • Infringing upon or violating Our Intellectual Property Rights or the Intellectual Property Rights of others, including Guest Authors or third parties.
  • Impersonating or attempting to impersonate RatioCI, a RatioCI employee, another user, or any other person or entity.
  • Engaging in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined solely by Us, may harm RatioCI or users of the Website, or expose them to liability.
• Consequences of Violation: We reserve the right to investigate violations of these Terms and take appropriate action. Any violation of this Acceptable Use Policy or other provisions of these T&C may result, at Our sole discretion, in the immediate suspension or termination of Your access to the Website, without prior notice or liability. We may also pursue any available legal remedies.

3. Intellectual Property Rights (IPR)

• Ownership of RatioCI Original Content: You acknowledge and agree that all RatioCI Original Content, which includes but is not limited to all text, articles, analyses, summaries, graphics, logos, button icons, images, audio clips, video clips, digital downloads, data compilations, software, code (HTML, CSS, JavaScript, etc.), website design, structure, layout, coordination, expression, “look and feel,” and arrangement of such Content, is the exclusive property of RatioCI or its licensors. This Content is protected by applicable Indian and international laws, including copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Except for the limited license granted in Section 2, no part of the Website and no Content may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way to any other computer, server, website, or other medium for publication or distribution or for any commercial enterprise, without Our express prior written consent.
• Guest Author Content – Rights Granted to RatioCI: To enable Us to operate and promote the Website effectively and to manage the Content hosted, including Guest Author Content, specific rights are required. By submitting Guest Author Content to Us for publication on the Website, You, the Guest Author, hereby grant to RatioCI an exclusive, perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, and fully sub-licensable right and license to host, store, use, reproduce, modify, adapt, edit, publish, translate, create derivative works from, distribute, syndicate, publicly perform, and publicly display such Guest Author Content, in whole or in part, and/or to incorporate it in other works in any form, media, or technology now known or later developed, for any purpose whatsoever, including but not limited to commercial, marketing, advertising, and promotional purposes related to the Website and Our activities, without any further notice or compensation to You. This broad license is necessary to ensure RatioCI has the required flexibility to manage, format, distribute, and potentially repurpose the content hosted on its platform, aligning with the operational need to effectively control the published material. This grant of rights is a fundamental condition for the acceptance and publication of Guest Author Content. This license shall survive any termination of this Agreement or the removal of Your Guest Author Content from the Website for any reason.
• Moral Rights: While You grant the extensive license above, You retain Your moral rights in the Guest Author Content as recognized under Section 57 of the Indian Copyright Act, 1957, specifically the right to claim authorship of the work and the right to restrain or claim damages in respect of any distortion, mutilation, modification, or other act in relation to the said work if such act would be prejudicial to Your honour or reputation. However, You acknowledge that edits or modifications made by Us for clarity, length, style, formatting, or technical reasons necessary for publication and distribution shall not be considered prejudicial to Your honour or reputation.
• Copyright Notice: A copyright notice in the format “© 2025 RatioCI. All Rights Reserved.” or similar will be displayed on the Website, typically in the footer. This notice serves as a declaration of Our ownership over RatioCI Original Content and the rights licensed to Us for Guest Author Content, and acts as a deterrent against unauthorized use or infringement.
• Trademarks: The name “RatioCI,” the RatioCI logo, and all related names, logos, product and service names, designs, and slogans are trademarks of or its affiliates or licensors. You must not use such marks without Our prior written permission. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

4. Guest Post Policy

This section outlines the terms governing the submission and publication of Guest Author Content on RatioCI.

• Submission Process: Guest Authors may propose or submit Content for consideration by contacting Us through the designated channels specified on the Website (e.g., contact form, specific email address). Submission of Content does not create any obligation on Our part to review, consider, or publish it.
• RatioCI Discretion: We retain absolute and sole discretion regarding all aspects of Guest Author Content. This includes, without limitation, the right to:
  • Accept or reject any Submission for publication, for any reason or no reason, without providing justification.
  • Review, edit, modify, adapt, reformat, shorten, or otherwise alter any Submission before or after publication to ensure it aligns with Our editorial standards, style guidelines, SEO requirements, or for clarity, accuracy, legality, or any other purpose We deem necessary.
  • Determine the final title, layout, and placement of the published Content.
  • Remove or disable access to any published Guest Author Content from the Website at any time, without prior notice, reason, or liability to the Guest Author.
• Content Requirements: To be considered for publication, Guest Author Content must meet the following criteria:
  • Originality and Exclusivity: The Content must be the Guest Author’s original work, created solely by them. It must not have been previously published, in whole or in part, in any form (including online blogs, websites, social media, print publications, academic repositories, etc.) and must not be under consideration for publication elsewhere simultaneously.
  • Relevance: The Content must be relevant to the subject matter and focus of RatioCI, primarily relating to Indian law, legal principles, case analysis, statutory interpretation, or materials helpful for legal exams.
  • Quality and Accuracy: The Content must be well-written, accurate, thoroughly researched, and provide substantive value to Our readers. While We may perform some edits, the primary responsibility for factual accuracy and legal correctness rests with the Guest Author.
  • Non-Infringement: The Content (including any text, images, data, or other materials incorporated within it) must not infringe upon any third-party rights, including but not limited to Intellectual Property Rights (copyright, trademark, patent), privacy rights, publicity rights, or contractual rights. Proper attribution must be given for any third-party material used where permitted (e.g., under fair use principles, properly cited).
  • Legality and Appropriateness: The Content must not contain any material that is illegal, defamatory, libelous, obscene, pornographic, harassing, threatening, hateful, inflammatory, invasive of privacy, or otherwise objectionable or inappropriate as determined in Our sole discretion.
  • Compliance: The Content must comply with all applicable laws and regulations of India.
• Exclusivity Post-Acceptance: Upon acceptance and publication by RatioCI, the Guest Author agrees that the published Content shall remain exclusive to the Website. The Guest Author shall not republish, syndicate, distribute, or otherwise make the same or substantially similar Content available elsewhere, in any format, without Our prior express written permission. This exclusivity is essential for maintaining the unique value of the content on RatioCI.
• Author Representations and Warranties: By submitting Content, the Guest Author represents and warrants to Us that:
  • They are the sole author and owner of the submitted Content, or have obtained all necessary rights, licenses, consents, and permissions to submit the Content and grant the rights and licenses set forth in these T&C.
  • They have the full legal right, power, and authority to enter into this Agreement and grant the licenses specified herein.
  • The Content is original to the Guest Author and does not plagiarize or infringe upon the copyright, trademark, patent, trade secret, right of privacy, right of publicity, moral rights, or any other intellectual property or proprietary right of any third party.
  • The Content is accurate and truthful to the best of the Guest Author’s knowledge and belief, and does not contain any false, misleading, defamatory, or unlawful statements or material.
  • The Content has not been previously published elsewhere in any form, and is not currently under consideration by any other publication or platform, unless explicitly disclosed to and approved by Us in writing prior to submission. If prior publication occurred, the Guest Author warrants they possess unencumbered rights to grant the license herein and accepts full liability for any claims arising therefrom.
• Author Liability and Indemnification: The Guest Author acknowledges and agrees that they are solely and entirely responsible and liable for the Content they submit and for any consequences arising from its publication or use. The Guest Author agrees to indemnify, defend, and hold harmless RatioCI, its owners, directors, officers, employees, agents, affiliates, successors, and assignees from and against any and all claims, actions, suits, proceedings, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and legal costs) arising out of, related to, or in connection with:
  • The Guest Author Content submitted, including but not limited to claims of copyright infringement, trademark infringement, defamation, libel, invasion of privacy, violation of publicity rights, or inaccuracy.
  • Any breach or alleged breach by the Guest Author of their representations, warranties, or obligations under these T&C.
  • Any claim or action arising specifically from the Content having been published elsewhere prior to, concurrently with, or subsequent to its publication on RatioCI in violation of the exclusivity terms or representations made herein. This explicit indemnification covers potential disputes RatioCI might face due to the author’s failure to secure necessary rights or adhere to exclusivity commitments made elsewhere.
• Attribution: If Guest Author Content is published, We will normally provide attribution to the Guest Author, usually in the form of their name and a brief biographical statement provided by the Author and approved by Us. The placement and format of attribution are at Our discretion.
• No Compensation: Guest Authors submit Content on a voluntary basis. No monetary compensation, fee, revenue sharing, or other form of remuneration will be paid for Guest Author Content or the rights granted herein, unless otherwise expressly agreed upon in a separate written agreement signed by both parties.
• Independent Contractor Status: The relationship between RatioCI and Guest Authors is solely that of an independent contractor. Nothing in these T&C shall be construed as creating an employer-employee relationship, partnership, joint venture, or agency relationship between the Guest Author and RatioCI. Guest Authors are not entitled to any employee benefits.
• Summary of Key Guest Author Obligations: For clarity and ease of reference, key obligations are summarized below. This summary does not replace the detailed terms above.

Obligation/Right	Description	Relevant Clause Ref.
Originality	Content must be the author’s original work.	4.3
Exclusivity	Content must not be published elsewhere (before, during, or after submission to RatioCI) and must be exclusive to RatioCI if accepted.	4.3, 4.4
Representations & Warranties	Author guarantees ownership, non-infringement, accuracy, and authority to grant rights. Includes warranty regarding prior publication status.	4.5
Rights Granted	Author grants RatioCI a broad, exclusive, perpetual, irrevocable, worldwide, royalty-free license to use the Content.	3.2, 4.5
Liability & Indemnification	Author is solely liable for their Content and must indemnify RatioCI against all claims, including those from prior publication issues.	4.6
No Compensation	Contribution is voluntary; no payment will be made.	4.8
RatioCI Discretion	RatioCI has full rights to reject, edit, or remove Content.	4.2

5. Disclaimers

The information provided on RatioCI requires careful consideration of the following disclaimers:

• General Disclaimer: THE WEBSITE AND ALL CONTENT, INFORMATION, MATERIALS, AND SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
• No Legal Advice Disclaimer: THE CONTENT PROVIDED ON RATIOCI IS INTENDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL REFERENCE PURPOSES ONLY. IT DOES NOT CONSTITUTE, AND SHOULD NOT BE RELIED UPON AS, LEGAL ADVICE, LEGAL OPINION, SOLICITATION, OR A RECOMMENDATION OF ANY KIND. THE LAW IS COMPLEX AND CONSTANTLY EVOLVING; THEREFORE, THE INFORMATION PRESENTED MAY NOT REFLECT THE MOST CURRENT LEGAL DEVELOPMENTS, JUDICIAL DECISIONS, STATUTORY AMENDMENTS, OR SETTLEMENTS. ACCESSING, READING, OR USING THE INFORMATION PROVIDED ON THIS WEBSITE DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP BETWEEN YOU AND RATIOCI, ITS OWNERS, OPERATORS, OR ANY AUTHORS CONTRIBUTING CONTENT TO THE SITE.
• Reference Purpose Only / Consult Professionals: THE CONTENT, PARTICULARLY MATERIAL INTENDED FOR EXAM REVISION, IS PROVIDED FOR REFERENCE PURPOSES ONLY AND SHOULD NOT BE CONSIDERED AUTHORITATIVE OR A SUBSTITUTE FOR OFFICIAL COURSE MATERIALS, SYLLABI, OR PRIMARY LEGAL SOURCES. YOU SHOULD NOT ACT OR REFRAIN FROM ACTING BASED ON ANY INFORMATION FOUND ON THIS WEBSITE WITHOUT SEEKING APPROPRIATE LEGAL OR OTHER PROFESSIONAL ADVICE ON THE PARTICULAR FACTS AND CIRCUMSTANCES AT ISSUE FROM A QUALIFIED PROFESSIONAL LICENSED IN YOUR JURISDICTION. ALWAYS CONSULT ORIGINAL JUDGMENTS, STATUTES, REGULATIONS, AND OTHER PRIMARY LEGAL SOURCES, AS THE APPLICATION OF LAW IS FACT-SPECIFIC AND RATIOS MAY VARY BASED ON CONTEXT.
• Accuracy and Completeness Disclaimer: While We strive to provide useful information, We make no representations or warranties regarding the accuracy, reliability, completeness, suitability, timeliness, or applicability of any Content on the Website for any particular purpose. Errors, omissions, or inaccuracies may exist in the Content. Your use of any information or materials on this Website is entirely at Your own risk, for which We shall not be liable.
• Guest Author Content Disclaimer: Opinions, views, and analyses expressed in Guest Author Content are solely those of the individual Guest Author and do not necessarily represent the views, opinions, or positions of RatioCI or its owners/operators. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any Guest Author Content and disclaim all liability in connection therewith.
• Third-Party Links Disclaimer: The Website may contain links or references to third-party websites, resources, or services that are not owned or controlled by Us. These links are provided for Your convenience only. We do not endorse, sponsor, or assume any responsibility for the content, privacy policies, practices, accuracy, or availability of any third-party websites or resources. Accessing any third-party websites is done at Your own risk.
• No Guarantee/Warranty Disclaimer: We make no guarantees, warranties, or representations regarding the effectiveness of any revision materials or the outcome of any examination or legal matter based on the use of Content from this Website. Success in examinations or legal endeavors depends on numerous factors beyond the scope of the information provided here.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE INDIAN LAW, IN NO EVENT SHALL RATIO CI, ITS OWNERS, AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, LICENSORS, OR AUTHORS (INCLUDING GUEST AUTHORS) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO:

• YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE THE WEBSITE OR ANY CONTENT THEREIN;
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES, OR ANY GUEST AUTHOR CONTENT;
• ANY CONTENT OBTAINED FROM THE WEBSITE, OR YOUR RELIANCE UPON THE WEBSITE OR ANY CONTENT;
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT;
• ANY ERRORS, MISTAKES, INACCURACIES, OR OMISSIONS IN THE CONTENT, OR ANY DELAYS IN OPERATION OR TRANSMISSION;
• ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY; OR
• ANY OTHER MATTER RELATING TO THE WEBSITE OR THESE TERMS.

THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU. HOWEVER, THEY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. WHILE THIS CLAUSE AIMS TO LIMIT LIABILITY BROADLY, IT IS SUBJECT TO THE PROVISIONS OF INDIAN LAW, INCLUDING THE INDIAN CONTRACT ACT, 1872, WHICH MAY RENDER VOID AGREEMENTS THAT UNREASONABLY OR UNLAWFULLY RESTRICT LEGAL LIABILITY, PARTICULARLY IN CASES OF FRAUD, WILLFUL MISCONDUCT, OR GROSS NEGLIGENCE.

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF RATIOCI AND ITS AFFILIATES, OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS ARISING OUT OF OR RELATING TO THE USE OF THE WEBSITE EXCEED THE AMOUNT OF ONE HUNDRED INDIAN RUPEES (INR 100).

7. Indemnification

You agree to indemnify, defend, and hold harmless RatioCI, its owners, affiliates, subsidiaries, officers, directors, employees, agents, licensors, suppliers, successors, and assigns from and against any and all claims, demands, actions, suits, proceedings, liabilities, damages, losses, judgments, awards, settlements, costs, and expenses (including reasonable attorneys’ fees and legal costs) arising out of or in any way connected with:

• Your access to or use of the Website or its Content.
• Your violation or breach of any provision of these Terms and Conditions or the documents incorporated by reference (including the Privacy Policy).
• Your violation of any applicable law, rule, or regulation of India or any other jurisdiction.
• Your infringement or violation of any rights of a third party, including but not limited to any Intellectual Property Right, privacy right, or publicity right.
• Any content or material You post, submit, transmit, or otherwise make available through the Website (including, for Guest Authors, specifically relating to their Submissions as detailed in Section 4.6).
• Any activity related to Your account (if applicable) by You or any other person accessing the Website using Your account.

We reserve the right, at Your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify Us, and You agree to cooperate with Our defense of these claims.

8. Termination

• We reserve the right, in Our sole discretion, to terminate or suspend Your access to all or part of the Website, without prior notice or liability, for any reason or no reason, including, without limitation, if We believe that You have violated or acted inconsistently with the letter or spirit of these T&C.
• We also reserve the right to modify, suspend, or discontinue the Website (or any part or Content thereof) at any time with or without notice to You. We will not be liable to You or any third party for any modification, suspension, or discontinuance of the Website.
• Upon termination of Your access, Your right to use the Website will immediately cease. All provisions of these T&C which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions (Section 3), license grants from Guest Authors (Section 3.2), disclaimers (Section 5), limitations of liability (Section 6), indemnification obligations (Section 7), governing law and dispute resolution provisions (Section 11), and miscellaneous provisions (Sections 12, 13, 14).

9. Privacy Policy

Your privacy is important to Us. Our collection, use, storage, and disclosure of Your personal information in connection with Your use of the Website is governed by Our Privacy Policy, which is available at https://ratioci.in/privacy-policy. The Privacy Policy is hereby incorporated by reference into these Terms and Conditions and forms an integral part of this Agreement. By using the Website, You consent to the collection and use of Your information as described in the Privacy Policy. We undertake to maintain reasonable security practices and procedures as mandated by the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, under the Indian Information Technology Act, 2000.

10. Modifications to Terms

We reserve the right, at Our sole discretion, to modify, amend, or replace these Terms and Conditions at any time. If We make material changes to these Terms, We will notify You by posting the updated T&C on the Website and revising the “Last Updated” date at the top of this document. What constitutes a material change will be determined at Our sole discretion.

Your continued access or use of the Website following the posting of any changes to these Terms constitutes Your acceptance of those changes. It is Your responsibility to review these T&C periodically for updates or changes. If You do not agree to the new terms, You must stop using the Website.

11. Governing Law and Dispute Resolution

• Governing Law: These Terms and Conditions, and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of India, without giving effect to any choice or conflict of law provision or rule. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.
• Jurisdiction: You agree that any legal suit, action, or proceeding arising out of, or related to, these T&C or the Website shall be instituted exclusively in the competent courts located in Prayagraj, Uttar Pradesh, India. You hereby irrevocably waive any and all objections to the exercise of jurisdiction over You by such courts and to venue in such courts. Establishing a clear jurisdiction is essential for resolving disputes related to online agreements where parties may be located in different geographical areas.
• Arbitration: At Our sole discretion, We may require You to submit any disputes arising from the use of these T&C or the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Arbitration and Conciliation Act, 1996. Such arbitration shall be conducted by a sole arbitrator appointed by Us. The seat of arbitration shall be in Prayagraj, Uttar Pradesh, India, and the language of the arbitration shall be English. The arbitral award shall be final and binding on the parties. Opting for arbitration can provide a potentially more efficient and specialized forum for resolving disputes compared to traditional court litigation.

12. Severability

If any provision of these Terms and Conditions 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 such that the remaining provisions of the T&C will continue in full force and effect. The invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent as closely as possible.

13. Entire Agreement

These Terms and Conditions, together with Our Privacy Policy incorporated herein by reference, constitute the sole and entire agreement between You and RatioCI regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

14. Waiver

No waiver by RatioCI of any term or condition set out in these T&C 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 RatioCI to assert a right or provision under these T&C shall not constitute a waiver of such right or provision. Any waiver of any provision of these T&C will be effective only if in writing and signed by an authorized representative of RatioCI.

15. Contact Information

If You have any questions, comments, or concerns about these Terms and Conditions or the Website, please contact Us at: Click Here

Thank you for visiting RatioCI. We encourage You to read these Terms and Conditions carefully and revisit them periodically to stay informed of any updates. Your use of the Website is conditional upon Your acceptance of and compliance with these Terms.