Modifications to these terms

Great companies are built with great products on the foundation called trust. We are twelve years old but backed by over 150 years of service. We’re proud to be partners with businesses that have grown over the years as we have. The Corporate Finance Division has a dedicated team of professionals who design products and services that will help your business grow.


This App contains a variety of information and Content, including but not limited to copyrighted material, such as information, text, directories, graphics, photographs, illustrations, images, video and audio clips, sound clips, advertising and promotional materials, data, software, compilations, designs, graphical interface, and overall look and feel, trademarks, logos, trade names, service marks, and trade identities, whether registered or unregistered (collectively the Trademarks), and other forms of information and intellectual property (all of the foregoing collectively and individually are referred to as Content). Nothing in the Content shall be construed as being investment advice. Nothing in the Content shall be construed as a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any such transaction. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of the User.The Content is based upon information obtained from sources believed to be reliable, but We do not make any representation or warranty that it is accurate, complete or up to date and it should not be relied upon as such. We do not have any obligation to correct or update the Content. We shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the Content. We do not provide, at any time, any express or implied warranty of any kind, regarding any Content, including without limitation the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. The User of the Content should rely on their own investigations. The Content is subject to change without any prior notice. We reserve at our absolute discretion the right to make or refrain from making modifications and alterations to the Content from time to time.Neither the Company nor its directors, employees, agents, representatives shall be liable for any damages whether direct or indirect, incidental, special or consequential including lost revenue or lost profits that may arise from or in connection with the use of the Content.Before making an investment decision on the basis of the Content on the app, the User needs to consider, whether the decision is appropriate in light of their particular investment needs, objectives and financial circumstances. There are risks involved in securities trading. The price of securities can and does fluctuate, and an individual security may even become valueless. International investors are reminded of the additional risks inherent in international investments, such as currency fluctuations and international stock market or economic conditions, which may adversely affect the value of the investment. Neither the Company nor the director or the employee of the Company accepts any liability whatsoever for any direct, indirect, consequential or other loss arising from any use of any Content

Accuracy of information

You will use the App only with your User ID and password and you will not impersonate any person or entity, or falsely state or otherwise misrepresent your identity or any information you submit to the App. You agree to provide true, accurate, current, and complete information about yourself, and, as permitted, to maintain and update it continuously and promptly to keep it true, accurate, current and complete. We shall not be responsible for any failed login due to incorrect details being provided by you.

Password Obligations

You agree to accept responsibility for all activities that occur under your User ID and Password. You are responsible for maintaining the confidentiality of your Password, and for restricting access to your computer so that others may not access the App in your name and under your User ID and Password. You agree to immediately notify us of any unauthorized use of your User ID or Password or any other breach of security. We shall not be liable for any loss or damage arising from your negligence or failure to comply with any of the foregoing obligations.

Site Availability

We do not warrant or guarantee any uninterrupted or error-free operation of this site or any portion thereof and will use reasonable efforts to maintain its operation and availability. The full range of services of this App may not be available in all locations. You acknowledge that functions of this App would require an active internet connection which can be Wi-Fi or the Local Area Network (LAN) connection. We do not assume any responsibility/liability if the App is not fully functional due to absence/ insufficiency of the required internet connection.We will not be concerned with any dispute between the user and the Internet Service Provider and/or any third party providing the internet connection or any other services responsible to run the App. We do not undertake any liability/ responsibility to you for any disruption in any of the transactions undertaken on the App or in case any transaction or payment is unsuccessful or interrupted whether due to any insufficient network/ internet connection or any lapses or shortcomings in any of the Third Party Websites/hosts/ servers or otherwise.

Intellectual Property Rights

All the information provided on or via this App (including all texts, graphics, design or logos) shall be the intellectual property of the Company.You agree not to copy, forward, download or share Content without obtaining the necessary rights or permissions to do so. You also agree not to abuse the use of this App

Sharing and Using Personal Information

You agree that the company, its affiliates or the employees or agents may share all information and details as provided by you to any third party including but not limited to its group companies, service providers, banks, financial institutions, credit bureaus, telecommunication companies, statutory bodies etc. for customer verification, personalisation of products and services, credit rating, data enrichment, marketing or promotion of the products or services of Tata Capital Limited or its subsidiaries/ affiliates or of any other service provider. You agree that you consent to receiving any other information through telephone/ e-mail/ SMS/WhatsApp for marketing purposes from us or other service provider even though your name appears in the National Customer Preference Registry (Do Not Disturb Registry). You expressly agree that any such calls/SMS/e-mails/WhatsApp messages will not cause any inconvenience to you or your family members. You expressly and irrevocably consent that for any claim against the service providers, We/affiliates shall not be liable and your claim on this account shall be against the service providers and/or tele-callers. You agree to the use of WhatsApp or other applications for communication or sharing of information or documents or for sending notices, agree to abide by the terms and conditions of such applications and agree to the risks associated with such applications or sharing of information or issuance of notices through them.

Modification or Suspension of the App or Access

We reserve the right, in our sole discretion, to modify or discontinue the App, or any portion of the App, without notice to you or any third party. We also may, in our sole discretion, refuse or restrict anyone from access to the entire App or any portion of the App.


You agree to indemnify us/ affiliates and the respective employees, officers, directors against all or any claim, including but not limited to damages, costs, expenses, as a result of such claim, with regard to all actions, proceedings, costs, damages, losses, expenses, penalties, claims, demands and liabilities howsoever arising from any breach of these Terms.


Governing Law

This App and the terms and conditions shall be governed by and construed in accordance with all applicable laws of India, unless stated otherwise. All disputes arising out of or in connection with these terms and conditions or use of this App shall be submitted to the exclusive jurisdiction of the courts of Mumbai. The Governing Law shall be Indian Law.

Morning Star Inc.

© Morningstar 2019. All Rights Reserved.The Morningstar name and logo are registered marks of Morningstar, Inc. The Star Rating presented herein does not constitute investment advice and is not an offer to buy or sell the security concerned; nor may it be construed as a representation regarding the legality of investing in the security. Morningstar, its affiliates, and their officers, directors and employees shall not be responsible or liable for any trading decisions, damages or other losses resulting from, or related to, the Star Rating or its use. Please seek necessary advice and read all relevant issue documents including the risks involved, before making an investment decision. Past performance may or may not be sustained in future and is no indication of future performance.