Welcome to http://rayandmartin.in, a venture of The Calcutta Publishers. We’re honoured that you chose to visit our website and we commit to display excellent standards of services. We render our services depending on your acceptance of the terms and conditions mentioned below. We request you to read them carefully. If you visit and/ or use our website offerings, we assume that you have accepted the conditions hereunder. The contents of this site- http://rayandmartin.in are electronically generated. All our communication would be conducted in electronic form either by e-mails or by posting notices and messages on the website. You agree that by accessing our site, you have read, understood and agree to be bound by all of these Terms of Use and you accept all communications related services offered by http://rayandmartin.in. You can visit and make only personal use of our site and services. We reserve the right in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason. However, downloading or modifying any content of the website including images is strictly prohibited. The site is owned by http://rayandmartin.in and cannot be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the written consent of http://www.rayandmartin.in. You may post reviews, comments, submit suggestions, ideas, questions, etc, so long as the contents are not illegal, obscene, threatening, defamatory, invasive of privacy, infringing intellectual property rights, or otherwise injurious to third parties or objectionable and do not consist of or contain software viruses, political and commercial campaigning, hurting religious sentiments, mass mailing, or any form of “spam”. If you do post content or submit material on our website it is assumed that, you grant http://rayandmartin.in a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such contents throughout the world in any form. http://rayandmartin.in has the right but not the obligation to monitor, edit or remove any activity or content. http:// rayandmartin.in takes no responsibility and bears no liability for any content posted by you or any third party. http://rayandmartin.in attempts to provide as accurate a product description as possible. However we cannot guarantee that product descriptions or other contents of this site including the product prices are accurate, complete, reliable, current, or error-free. rayandmartin.in may collect your Personally Identifiable Information including name, date of birth, gender, demographic information, photos, email address, telephone number, mobile phone number, geographic location, mailing address, social media account details including list of contact/friends and examination preference. We will use this information to validate you as a user when using this platform, to provide the services to you including administration of user account, to notification of changes to the service or about any changes in our Terms and Conditions or Privacy Policy to manage this business, for the research and development of new products and services to send you newsletters, offers and promotions, coupons to market and advertise our products and services by any electronic media, to comply with applicable laws, court orders and government enforcement agency requests, for research and analytic purposes including to improve the quality of the services and to ensure that the service is presented in the most effective manner to you and your device. By registering on the platform you agree and confirm your consent to providing rayandmartin.in with your aforementioned personal information, which is lawful, necessary and permissible. You at all times have the right to discontinue the use of this platform. rayandmartin.in is not liable to provide you with its services in the absence of or your refusal to provide the aforesaid information. Additionally we are not liable to ensure or maintain the same quality of its services to you, as it may for a user who provides all aforementioned information. When you visit or interact with the Platform, apart from rayandmartin.in certain third-party advertisers and/or service providers may use technologies that automatically collect information about you for both transactional (e.g., confirmation of registration, notification of purchase made, etc.) and promotional (e.g., promotions, newsletters, etc.) purposes. Your information may be collected by rayandmartin.in or such third-party advertisers and/or service providers in the following ways :— 1. Log Files : Every time you visit the Platform, rayandmartin.in servers automatically receive and log information from your browser and device used to access the Platform (such as IP address, device ID, details of your network operator and type, browser type and version). This enables us to validate you as a User, to understand your usage of the Platform and helps us to make changes and updates most suited to your needs and interests. 2. Mobile Device: When you register your mobile device or use the mobile device to access the App, in addition to the aforesaid, rayandmartin.in will also collect device information such as mobile device ID, model and manufacturer details, operating system etc. for improving the App’s overall functionality and displaying the content according to your preferences. 3. Cookies : Cookies are data files placed on your device, used to keep track of information such as your interaction with social media websites, the content you click on, download, upload or share and other activity on the Platform etc. in order to improve your experience of the Platform by personalizing it to your preferences and usage trends. 4. Web Beacons: Web beacons are transparent graphic images used in our email communication to you, in order to understand customer behaviour and improve the overall quality, functionality and interactivity of the Platform. 5. Mobile Analytics: Mobile analytics software is used by rayandmartin.in to better understand and customize the functionality of the App’s software on your phone. This is done by collecting information such as your frequency of the App’s usage, the features you prefer to use on the App, where the App was downloaded from, device ID, name of other mobile applications on your device, etc. 6. Payment /Purchase Information: In order to access certain paid features and services on the Platform, you may be required to create or log into a separate account on a payment gateway or website such as “PayU” or “PayTM”. Once such an account is created, in order to process your payments/ purchases on the Platform, such payment gateway provider may require and collect your details such as name, address, phone number, email address and credit or debit card information, net banking information or details of any web wallets maintained by you. Any/all payment(s) made/processed or details provided to or shared with such authorized payment gateway providers shall be stored directly by such payment gateway providers without any information passing through or relayed to rayandmartin.in. rayandmartin.in assumes no liability in respect of such payments and/or information shared with or provided to such authorized payment gateway providers. It is further clarified that the aforementioned information is only used in accordance with the provisions of the applicable law and in strict adherence to this Privacy Policy. 7. Public Forums: Any information that is disclosed by you in the comments section or by way of the “connect us” feature, becomes published information and rayandmartin.in shall not be held liable for the security of the same or any personal information that you disclose herein. You agree to exercise caution when disclosing any personal information or Personally Identifiable Information in this regard. Please note that we only use the aforesaid information to communicate with and/or improve the Service and to better understand our users' operating systems, for system administration and to audit the use of the Service. We do not use any of the aforesaid data to identify the name, address or other personal details of any individual. For the purpose of this Privacy Policy, any passwords, financial information such as other payment instrument details and any additional information prescribed by law to be sensitive that may be collected by http://rayandmartin.in during your use of the Platform and the Services provided thereon, shall be referred to as "Sensitive Personal Data or Information". http://rayandmartin.in reserves the sole right to cancel any order as per our discretion in case — (i) We are unable to deliver the order, (ii) The User tries to take advantage of the system which violates the terms of use. http://rayandmartin.in will ensure that any communication of cancellation of any order or any applicable refund will be made within a reasonable period of time. In case of any difficulty please contact us at support@rayandmartin.in. All refunds will be processed on a pro rata basis. Refunds will be done directly to the original payment mode, after finalisation of the case. Any dispute or claim relating in any way to your visit to http://rayandmartin.com or to products you purchase through http://rayandmartin.com only be under the jurisdiction of the Courts in Kolkata. Site Policies : We reserve the right to make changes to our site policies, and these Terms and Conditions of Use at any time. It is your responsibility to periodically review these Terms and Conditions to stay informed to updates. You will be subjected to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms and Conditions by your continued use of the site after the date such revised Terms and Conditions are posted. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Disclaimer of Warranties and Limitations of Liability this site is provided by http://rayandmartin.in, a venture of The Calcutta Publishers, Kolkata on an “as is” and “as available” basis. http://rayandmartin.in makes no representations or warranties of any kind, express or implied, as to the operation of this site or the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your own risk. To the full extent permissible by applicable law, http://rayandmartin.in disclaims all warranties, expressed or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. http://rayandmartin. in does not warrant that this site, its servers, or e-mail sent from http://rayandmartin.in are free of viruses or other harmful components. http://rayandmartin.in will not be liable for any damages of any kind arising from the use of this site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.