Sanjoy Ghosh

A. Vision and Mission Statements for investors

• Vision Invest with knowledge & safety.

Our vision is to steer traders away from risky speculation and guide them towards building wealth through a disciplined, long term investment journey.

• Mission

Every investor should be able to invest in right investment products based on their needs, manage and monitor them to meet their goals, access reports and enjoy financial wellness.

Our mission is empower every professional to become a knowledgeable and successful investor.

B. Details of business transacted by the Research Analyst with respect to the investors.

• I publish research reports based on my research activities
• I provide independent and unbiased views on securities
• I offer unbiased recommendations, disclosing any financial interests in the recommended securities
• I base my research recommendations on publicly available information and known observations.
• I conduct an annual audit of my research activities.
• I ensure that all advertisements are in adherence to the provisions of the Advertisement Code for Research Analysts
• I will maintain records of interactions, with all clients including prospective clients (prior to onboarding), where any conversation related to the research services has taken place

C. Details of services provided to investors (No Indicative Timelines)

• Onboarding of Clients:

Sharing of terms and conditions of research services

Completing KYC of fee paying clients

• Disclosure to Clients

I will disclose information that is material for the client and to make and informed decision, including details of its business activity , disciplinary history , the terms and condition of research services, details of associates, risks and conflicts of interest, if any

I will disclose the extent of use of Artificial Intelligence tools in providing research services

I will disclose, while distributing a third party research report , any material conflict of interest of such third party research provider or provide web address that directs a recipient to the relevant disclosures.

I will disclose any conflict of interest of the activities of providing research services with other activities of the research analyst

• I will distribute research reports and recommendations to clients without any discrimination.
• I will maintain confidentiality regarding the publication of research reports until they are made available in the public domain.
• I will respect the data privacy rights of clients and take all necessary measures to protect against unauthorized use of their confidential information.
• I will disclose the timelines for the services I provide and ensure strict adherence to those timelines.
• I will provide clear guidance and issue adequate caution when recommending complex and high-risk financial products or services.
• I will treat all clients with honesty and integrity.
• I will ensure the confidentiality of information shared by clients, unless disclosure is required by law or the client has given specific consent to share such information

D. Details of grievance redressal mechanism and how to access it

1. Investor can lodge complaint/grievance against Research Analyst in the following ways:

Mode of filing the complaint with research analyst

In case of any grievance / complaint, an investor may approach the concerned Research Analyst who shall strive to redress the grievance immediately, but not later than 21 days of the receipt of the grievance.

Details of Research Analyst

Name : Sanjoy Ghosh

Contact No.: +91-80174 24099

Email Id: sanjoyghosh.research@gmail.com

Mode of filing the complaint on SCORES or with Research Analyst Administration and Supervisory Body (RAASB)

i. SCORES 2.0 (a web based centralized grievance redressal system of SEBI for facilitating effective grievance redressal in time-bound manner) (https://scores.sebi.gov.in)

Two level review for complaint/grievance against Research Analyst:

• First review done by designated body (RAASB)

• Second review done by SEBI

ii. Email to designated email ID of RAASB

2. If the Investor is not satisfied with the resolution provided by the Market Participants, then the Investor has the option to file the complaint/ grievance on SMARTODR platform for its resolution through online conciliation or arbitration.

With regard to physical complaints, investors may send their complaints to:

Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, ‘G’ Block, Bandra-Kurla Complex, Bandra (E), Mumbai – 400 051

E. Rights of investors

• Right to Privacy and Confidentiality
• Right to Transparent Practices
• Right to fair and Equitable Treatment
• Right to Adequate Information
• Right to Initial and Continuing Disclosure
• Right to receive information about all the statutory and regulatory disclosures
• Right to Fair & True Advertisement
• Right to Awareness about Service Parameters and Turnaround Times
• Right to be informed of the timelines for each service
• Right to be Heard and Satisfactory Grievance Redressal
• Right to have timely redressal
• Right to Exit from Financial product or service in accordance with the terms and conditions agreed with the research analyst
• Right to receive clear guidance and caution notice when dealing in Complex and High-Risk Financial Products and Services
• Additional Rights to vulnerable consumers
• Right to get access to services in a suitable manner even if differently abled
• Right to provide feedback on the financial products and services used
• Right against coercive, unfair, and one-sided clauses in financial agreements
• Right to have digital accessibility

F. Expectations from the investors (Responsibilities of investors)

DO's

i. Always deal with SEBI registered Research Analyst.

ii. Ensure that the Research Analyst has a valid registration certificate.

iii. Check for SEBI registration number: Please refer to the list of all SEBI registered Research Analyst which is available on SEBI website in the following link: https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=14)

iv. Always pay attention towards disclosures made in the research reports before investing.

v. Pay your Research Analyst through banking channels only and maintain duly signed receipts mentioning the details of your payments. You may make payment of fees through Centralized Fee Collection Mechanism (CeFCoM) of RAASB if research analyst has opted for the mechanism. (Applicable for fee paying clients only)

vi. Before buying/ selling securities or applying in public offer, check for the research recommendation provided by your Research Analyst.

vii. Ask all relevant questions and clear your doubts with your Research Analyst before acting on recommendation.

viii. Seek clarifications and guidance on research recommendations from your Research Analyst, especially if it involves complex and high risk financial products and services.

ix. Always be aware that you have the right to stop availing the service of a Research Analyst as per the terms of service agreed between you and your Research Analyst.

x. Always be aware that you have the right to provide feedback to your Research Analyst in respect of the services received.

xi. Always be aware that you will not be bound by any clause, prescribed by the research analyst, which is contravening any regulatory provisions.

xii. Inform SEBI about Research Analyst offering assured or guaranteed returns.

DON'Ts

i. Do not provide funds for investment to the Research Analyst.

ii. Don’t fall prey to luring advertisements or market rumors.

iii. Do not get attracted to limited period discount or other incentive, gifts, etc. offered by Research Analyst.

iv. Do not share login credential and password of your trading, d-mat or bank accounts with the Research Analyst.

Research Analyst: Sanjoy Ghosh — SEBI Registered Research Analyst (INH000021696), BSE Enlistment No.: 6789

Level 1 – Directly with Research Analyst

Send an email to ra.sebi.sanjoy.ghosh@gmail.com  with subject line:  “Complaint – Research Services” .

Provide your name, contact number, subscription details and description of the grievance.

Complaints will be acknowledged within  2 working days .

Efforts will be made to resolve the complaint within  15 working days  from the date of receipt.

Compliant redressal and scores process

Client’s queries / complaints may arise due to lack of understanding or a deficiency of service experienced by clients. Deficiency of service may include lack of explanation, clarifications, understanding which escalates into shortfalls in the expected delivery standards, either due to inadequacy of facilities available or through the attitude of staff towards client.

Clients can seek clarification to their query and are further entitled to make a complaint in writing, orally or telephonically. An email may be sent to the Client Servicing Team on sanjoyghosh.research@gmail.com . Alternatively, the Investor may call on +91-80174 24099 .

A letter may also be written with their query/complaint and posted at the below mentioned address: 49/87, Krishna Nagar, Ward No:142, Kolkata: 700104

Clients can write to the Sanjoy Ghosh at sanjoyghosh.research@gmail.com  if the Investor does not receive a response within 10 business days of writing to the Client Servicing Team. The client can expect a reply within 10 business days of approaching research analyst.

In case you are not satisfied with our response you can lodge your grievance with SEBI at  https://scores.sebi.gov.in  or you may also write to any of the offices of SEBI. SCORES may be accessed thorough SCORES mobile application as well, same can be downloaded from below link: https://play.google.com/store/apps/details?id=com.ionicframework.sebi236330

Details of designation

Contact Person Name

Address where the physical address location

Contact No.

Email-ID

Working hours when complainant can call

Customer Care

Sanjoy Ghosh

49/87, Krishna Nagar, Ward No: 142, Kolkata: 700104

+91-80174 24099

sanjoyghosh.research@gmail.com

10 AM – 05:00 PM

Head of Customer Care

Sanjoy Ghosh

49/87, Krishna Nagar, Ward No: 142, Kolkata: 700104

+91-80174 24099

sanjoyghosh.research@gmail.com

10 AM – 05:00 PM

Compliance Officer

Sanjoy Ghosh

49/87, Krishna Nagar, Ward No: 142, Kolkata: 700104

+91-80174 24099

sanjoyghosh.research@gmail.com

10 AM – 05:00 PM

Proprietor

Sanjoy Ghosh

49/87, Krishna Nagar, Ward No: 142, Kolkata: 700104

+91-80174 24099

sanjoyghosh.research@gmail.com

10 AM – 05:00 PM

Principal Officer

Sanjoy Ghosh

49/87, Krishna Nagar, Ward No: 142, Kolkata: 700104

+91-80174 24099

sanjoyghosh.research@gmail.com

10 AM – 05:00 PM

As per SEBI guidelines, investors can use the Online Dispute Resolution (ODR) platform for resolving disputes in a cost-effective and timely manner.

Smart ODR is an integrated platform for dispute resolution between investors, intermediaries and regulated entities.

Go to Smart ODR Portal

Research Analyst: Sanjoy Ghosh — SEBI Registered Research Analyst (INH000021696), BSE Enlistment No.: 6789

Research Analyst: Sanjoy Ghosh — SEBI Registered Research Analyst (INH000021696), BSE Enlistment No.: 6789

Sanjoy Ghosh (Proprietor) of sanjoyghoshresearch.in (Individual) is registered with SEBI as Individual Research Analyst vide Registration number INH000021696 pursuant to which it provides Research Analyst services to its clients.

I am not affiliated with any other intermediaries or receive any brokerage or commission from any third party.

The SEBI has issued no penalties/directions under the SEBI Act or any other regulatory body.

I do not recommend any stock broker or other intermediary to a client, nor do I receive any consideration by way of remuneration or compensation or in any other form whatsoever from the stock broker or another intermediary.

Investment in equity shares has its own risks. Sincere efforts have been made to present the right investment perspective. The information contained herein is based on analysis and on sources that I consider reliable. I, however does not vouch for the consistency or the completeness thereof. This material is for personal information and I am not responsible for any loss incurred due to it & take no responsibility whatsoever for any financial profits or loss which may arise from the recommendations above.

I do not provide any promise or assurance of favourable view for a particular industry or sector or business group in any manner. The investor is requested to take into consideration all the risk factors including their financial condition and suitability to risk return profile before investing.

The information and views in this website & all the services that I provide are believed to be reliable, but I do not accept any responsibility (or liability) for errors of fact or opinion. Users have the right to choose the product/s that suits them the most

I or any other person related to me might be holding positions in the stocks recommended.

The research recommendations are provided to all our clients who are entitled to receive the research reports. Any Client (Paid or Unpaid), any third party or anyone else have no rights to forward or share our calls or SMS or Reports or Any Information Provided by us to/with anyone (through any medium) which is received directly or indirectly by them. If found so, then serious legal actions can be taken.

I ensure that the individuals employed as research analyst are separate from other employees who are performing sales trading, dealing, corporate finance advisory or any other activity that may affect the independence of our research report/recommendations. However, these individuals may receive feedback from sales or trading personnel of brokerage division to ascertain the impact of research report/recommendations.

I also ensure that if a client wants an opinion on a specific position, such suggestion/view under any circumstances shall be considered as an opinion (not advice). I am not liable for any losses whatsoever the client may incur in accepting this opinion.

I do not have any association in any manner with any issuer of products/securities; this ensures that there are no actual or potential conflicts of interest. This also ensures that objectivity or independence in the carrying on research services is not compromised.

Investment in securities market is subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI and certification from NISM is no way guarantee performance of the intermediary or provide any assurance of returns to investors.

By accessing https://sanjoyghoshresearch.in any of its associate/group sites, you have read, understood and agree to be legally bound by the terms of the following disclaimer and user agreement.

I had taken due care and caution in compilation of data for its website. I also advise users to check with other certified experts before taking any investment decision. However, I do not guarantee the consistency, adequacy or completeness of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. I do hereby especially state that it has no financial liability whatsoever to any user on account of the use of information provided on its website.

I am not responsible for any errors, omissions or representations on any of our pages or on any links on any of our pages. I do not endorse in anyway any advertisers on our website pages. Please verify the veracity of all information on your own before undertaking any alliance.

The information on this website is updated from time to time. I, however exclude any warranties (whether expressed or implied), as to the quality, consistency, efficacy, completeness, performance, fitness or any of the contents of the Website, including (but not limited) to any comments, feedback and advertisements contained within the Site.

This website contains material in the form of inputs submitted by users and I do accept no responsibility for the content or consistency of such content nor do I make any representations by virtue of the contents of this website in respect of the existence or availability of any goods and services advertised in the contributory sections. I also make no warranty that the contents of the website are free from infection by viruses or anything else which has contaminating or destructive properties and shall have no liability in respect thereof.

Part of this website may contain advertising and other material submitted to us by third parties. Kindly note that those advertisers are responsible for ensuring that material submitted for inclusion on the website complies with all legal requirements. Although acceptance of advertisements on the Website is subject to our terms and conditions which are available on request, I do not accept liability in respect of any advertisements.

There are risks associated with utilizing internet-based information and research dissemination services. Subscribers are advised to understand that the services can fail due to failure of hardware, software, and Internet connection. While I also ensure that the messages are delivered in time to the subscriber’s mobile network, the delivery of these messages to the customer’s mobile phone/handset/desktop/iPad/tablet/ laptop is the responsibility of the customer’s mobile network/internet connection/wifi. The messages may be delayed and/or not delivered to the customer’s mobile phone/handset on certain days, owing to technical reasons, and the Sanjoy Ghosh cannot be held responsible for the same.

Stock trading is inherently risky, and you agree to assume complete and full responsibility for the outcomes of all trading decisions that you make.

Unlike an actual performance record, simulated results do not represent actual trading. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

You, and not me, assume the entire cost and risk of any trading you choose to undertake. You are solely responsible for making your own investment decisions. If you choose to engage in transactions with or without seeking advice from a licensed and qualified financial advisor or entity, then such decision and any consequences flowing there from are your sole responsibility. I or any employees are in no way liable for the use of the information by others in investing or trading in investment vehicles.

I also encourage all investors to use the services as a resource to further their own research on all featured companies, stocks, sectors, markets and information presented on the site.

I, my management, my associate companies and/or my employees take no responsibility for the veracity, validity and correctness of the expert recommendations or other information or research. Although I do attempt to research thoroughly on information provided herein, there are no guarantees in consistency. The information presented on the site has been gathered from various sources believed to be providing correct information. I, group, companies, associates and/or employees are not responsible for errors, or inaccuracies, if any, in the content provided on the site.

I have the license to provide research recommendations as a research analyst. Your use of this and all information contained on this website is governed by these Terms and Conditions of Use. This material is based upon information that Sanjoy Ghosh consider reliable, but I do not represent that it is consistent or complete and that it should be relied upon, as such. You should not rely solely on the Information in making any investment. Rather, you should use the Information only as a starting point for doing additional independent research in order to allow you to form your own opinion regarding investments. By using https://sanjoyghoshresearch.in , including any software and content contained therein, you agree that use of the Service is entirely at your own risk. You understand and acknowledge that there is a very high degree of risk involved in trading securities. I make no warranties and gives no assurances regarding the truth, timeliness, reliability, or good faith of any material posted on https://sanjoyghoshresearch.in Sanjoy Ghosh does not warranty that trading methods or systems presented in their services or the information herein or obtained from advertisers or members will result in profits or losses.

By visiting the website https://sanjoyghoshresearch.in , as a visitor and / or as a subscriber, surfing and reading of the information on the website is the acceptance of this disclaimer and all other terms and conditions.

Everything posted on social media (Twitter/Facebook/Instagram/YouTube channel) is for education / illustration purposes and should not be counted as recommendations or investment advice. The Stocks posted on social media are for illustration purpose only and are not recommendatory.

I do hereby expressly disclaims any implied warranties imputed by the laws of any jurisdiction. I consider ourselves and intend to be subject to the jurisdiction only of the courts of West Bengal in India. If you don’t agree with any of our disclaimers above, please do not read the material on any of our pages. Although access to users outside India is not denied, Sanjoy Ghosh shall have no legal liabilities whatsoever in any laws of any jurisdiction other than India. I also reserve the right to make changes to our site and these disclaimers, terms, and conditions at any time.

Applies To: Sanjoy Ghosh — SEBI Registered Research Analyst (INH000021696), BSE Enlistment No.: 6789

Your privacy is very important to us. Accordingly, I have developed this Policy in order for you to understand how I collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

GENERAL PRIVACY

Like most Websites Sanjoy Ghosh collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Sanjoy Ghosh.in also collects potentially personally-identifying information like Internet Protocol (IP) addresses for security reasons. Sanjoy Ghosh does not disclose personally-identifying information other than as described below. Visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

PROTECTION OF CERTAIN PERSONALLY-IDENTIFYING INFORMATION

Sanjoy Ghosh discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that

(i) need to know that information in order to process it on Sanjoy Ghosh’ behalf or to provide services available at Sanjoy Ghosh’ websites, and

(ii) that have agreed not to disclose it to others. Sanjoy Ghosh will not rent or sell potentially personally-identifying and personally-identifying information to anyone. If you are a registered user of Sanjoy Ghosh website and have supplied your email address, Sanjoy Ghosh may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Sanjoy Ghosh and our products. Sanjoy Ghosh takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

COOKIES

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Sanjoy Ghosh uses cookies to help Sanjoy Ghosh identify and track visitors, their usage of Sanjoy Ghosh website, and their website access preferences. Sanjoy Ghosh visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Sanjoy Ghosh’ websites, with the drawback that certain features of Sanjoy Ghosh’ websites may not function properly without the aid of cookies.

PRIVACY POLICY CHANGES

Although most changes are likely to be minor, Sanjoy Ghosh may change its Privacy Policy from time to time, and in Sanjoy Ghosh’ sole discretion. Sanjoy Ghosh encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

Research Analyst: Sanjoy Ghosh — SEBI Registered Research Analyst (INH000021696), BSE Enlistment No.: 6789

I believe in providing high-quality, unbiased, and research-backed insights. However, due to the nature of financial research and regulatory requirements, the following refund policy applies:

1. No Refund After Subscription Activation

Once a subscription is purchased and the research service is activated, fees are non-refundable . This rule is necessary because:

Research reports contain sensitive, proprietary information

Insights cannot be “returned” once delivered

SEBI mandates transparency but does not permit refund-based solicitation

2. Cancellation Before Activation

If a client requests cancellation before the service or report has been delivered, a refund may be processed after deducting applicable payment gateway charges.

3. Partial Refunds or Prorated Refunds

Partial or prorated refunds are not applicable , irrespective of:

Subscription period

Usage frequency

Market performance

Research services are time-bound and knowledge-based, and hence exempt from returnability.

4. Accidental Payments

If a duplicate or accidental payment is made, clients should contact us within 48 hours . Such refunds will be processed after necessary verification.

5. Disputes & Resolution

In case of concerns regarding service quality or delivery, clients are encouraged to contact us directly. I aim to resolve issues through:

Clarifications

Re-delivery of missed reports (if applicable)

Ensuring uninterrupted service for the remainder of the subscription

6. Compliance Guarantee

All policies follow SEBI guidelines under the Research Analyst Regulations, ensuring:

No misleading claims

No guaranteed returns

No speculative promises

Our commitment is to maintain fairness, professionalism, and complete transparency with every client.

Research Analyst: Sanjoy Ghosh — SEBI Registered Research Analyst (INH000021696), BSE Enlistment No.: 6789

At Sanjoy Ghosh Research , I follow a transparent and ethical pricing structure that aligns with SEBI regulations for Research Analysts. Our fees are clearly defined before subscription, with no hidden charges or misleading offers.

1. Subscription Structure

I offer multiple subscription plans based on research categories, duration and the level of insights provided. All plans are priced according to SEBI guidelines and include:

Equity research reports

Market outlooks and sectoral insights

Investment strategies and analytical commentary

Access to periodic updates as per the chosen plan

The fee for each service is communicated to clients prior to onboarding. No plan is activated without explicit consent and acknowledgment of the pricing.

2. Mode of Payment

Payments can be made through:

UPI

Net Banking

Debit/Credit Cards

Other payment gateways listed at checkout

All payments are collected only in the name of the registered entity , as mandated by SEBI.

3. GST & Taxes

All prices are exclusive of GST unless stated otherwise. Applicable taxes will be added as per Government norms.

4. Price Changes

I reserve the right to revise the pricing of our services periodically. However:

Clients will be notified in advance

No additional charge will apply to an ongoing subscription

5. No Commission-Based Revenue

As per SEBI rules, I do not receive any commission , brokerage, or incentives from third parties. Our only revenue is through research subscription fees , paid directly by clients.

Service Provider: Sanjoy Ghosh — SEBI Registered Research Analyst (INH000021696), BSE Enlistment No.: 6789

These terms and conditions outline the rules and regulations for the use of  https:// sanjoyghoshresearch.in

TERMS

By accessing this website you are agreeing to be bound by these terms and conditions. Do not continue to use if you do not agree to take all of the terms and conditions stated on this page.

USE LICENSE

Permission is granted to temporarily download one copy of the materials (information) on Sanjoy Ghosh Research web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

i. Modify or copy the materials;

ii. Use the materials for any commercial purpose, or for any public display (commercial or non-commercial)

iii. Attempt to decompile or reverse engineer any software contained on Sanjoy Ghosh Research web site

iv. Remove any copyright or other proprietary notations from the materials or

v. Transfer the materials to another person or “mirror” the materials on any other server.

DISCLAIMERS AND DISCLOSURES

Investment in securities market is subject to market risks. Read all the related documents

carefully before investing.

Market Risks refer to partial or permanent loss on your investments in certain market conditions.

Registration granted by SEBI and certification from NISM in no way guarantees the performance of the intermediary or provide any assurance of returns to investors.

I do not promise any guaranteed returns.

The fees paid towards the subscription is non-refundable.

Risk management and position sizing should be carried out by the investor himself.

Recommendations will be provided via Telegram or WhatsApp.

Sanjoy Ghosh Proprietor of Sanjoy Ghosh Research is a SEBI registered ‘Research Analyst’ not ‘Investment advisor’. I was registered as an RA vide registration number (INH000021696).

LIMITATIONS

In no event shall Sanjoy Ghosh Research or its suppliers be liable for any damages (including, without limitation, damages for loss or profit, monetary and/or non monetary,) arising out of the use or inability to use the materials communicated by Sanjoy Ghosh Research and its Employees.

REVISIONS AND ERRATA

The materials appearing on Sanjoy Ghosh Research web site could include technical, typographical, or photographic errors. Sanjoy Ghosh Research does not warrant that any of the materials on its web site are accurate, complete, or current. Sanjoy Ghosh Research may make changes to the materials contained on its web site at any time without notice. Sanjoy Ghosh Research does not, however, make any commitment to update the materials.

LINKS

Sanjoy Ghosh Research has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Sanjoy Ghosh Research of the site. Use of any such linked web site is at the user own risk.

SITE TERMS OF USE MODIFICATIONS

Sanjoy Ghosh Research may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms of Use.

REMOVAL OF LINKS FROM OUR WEBSITE

If you find any link on our website that is offensive for any reason, you are free to contact and inform us any moment. I will consider requests to remove links but I am not obligated to or so or to respond to you directly. I do not ensure that the information on this website is correct, I do not warrant its completeness or accuracy; nor do I promise to ensure that the website remains available or that the material on the website is kept up to date.

RESERVATION OF RIGHTS

I reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. I also reserve the right to amend these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

GOVERNING LAW

Any claim relating to Sanjoy Ghosh Research web site shall be governed by the Indian laws, without regard to its conflict of law provisions. General Terms and Conditions applicable to Use of a Website. Privacy Policy Your privacy is very important to us. Accordingly, I have developed this Policy in order for you to understand how I collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy. GENERAL PRIVACY Like most Websites Sanjoy Ghosh Research collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Sanjoy Ghosh Research.in also collects potentially personally-identifying information like Internet Protocol (IP) addresses for security reasons. Sanjoy Ghosh Research does not disclose personally-identifying information other than as described below. Visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

PROTECTION OF CERTAIN PERSONALLY-IDENTIFYING INFORMATION

Sanjoy Ghosh Research discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Sanjoy Ghosh Research’ behalf or to provide services available at Sanjoy Ghosh Research’ websites, and (ii) that have agreed not to disclose it to others. Sanjoy Ghosh Research will not rent or sell potentially personally-identifying and personally-identifying information to anyone. If you are a registered user of Sanjoy Ghosh Research website and have supplied your email address, Sanjoy Ghosh Research may occasionally send you an email, WhatsApp, Telegram to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Sanjoy Ghosh Research and our products. Sanjoy Ghosh Research takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

COOKIES

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Sanjoy Ghosh Research uses cookies to help Sanjoy Ghosh Research

identify and track visitors, their usage of Sanjoy Ghosh Research website, and their website access preferences. Sanjoy Ghosh Research visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Sanjoy Ghosh Research’ websites, with the drawback that certain features of Sanjoy Ghosh Research’ websites may not function properly without the aid of cookies.

PRIVACY POLICY CHANGES

Although most changes are likely to be minor, Sanjoy Ghosh Research may change its Privacy Policy from time to time, and in Sanjoy Ghosh Research’ sole discretion. Sanjoy Ghosh Research encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.