Terms & Conditions

Grow More Consultancy” or “Research Entity” is regulated by the Securities and Exchange Board of India (“SEBI”) and is licensed to carry on the business of share trading research providing service and related activities. The term “you” refers to the user or viewer of our website. Before subscribing our any of the services we advise you to please visit our website https://growmoreconsultancy.com/ and read all terms & conditions carefully. By subscribing our any of the services you agree to be bound by the terms & conditions. We may change these terms and conditions at any time without prior information/intimation.

Your continuous use of https://growmoreconsultancy.com/ means that you accept any new or modified terms and conditions that we come up with. Please re-visit the `Terms & Conditions’ link on our website from time to time to stay abreast of any changes that we may introduce. Investment/trading in Share Market are subject to market and other risks and there is no assurance or guarantee that the objectives of any Services will be achieved.

Traders/Investors in the services are not being offered any guaranteed/assured returns. Past performance of the services does not indicate/guarantee future performance or return for any of the services. We do not have any refund & cancellation policy. All sales are final. Before subscriptions ensure that our products and services will meet your needs without the need to purchase, there will be absolutely no refund & cancellations. We do not offer refunds on subscriptions that have already been taken. By registering for service on the website https://growmoreconsultancy.com/ you have accepted all the terms and conditions.

Other disclaimers: –

Without prejudice to the generality of the foregoing paragraph, Grow More Consultancy and its owner, directors, employees, affiliates and associates state that: The information analysis given in the research recommendation or research report is purely an interpretation / view of the author/research analyst and Grow More Consultancy and its owner, directors, employees, affiliates and associates and any of its representatives shall not be liable or responsible in any manner whatsoever for the trades executed by the customers on the basis of this recommendation or reports. Any comparative indices that are made available on the Website are mere indicators and are in no manner meant to reflect or influence the buying decision of the customers. Grow More Consultancy and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy do not in any manner whatsoever verify or vouch for the accuracy or authenticity of the results. While doing fund transfer, the respective bank shall be responsible for transfer of funds during payment for research services on the Website and Grow More Consultancy and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy shall not be responsible or liable in any manner whatsoever for the late payments or losses incurred on account of the same Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any investments, legal, financial, medical matters or any other matters, you should consult an appropriate professional Disclaimer for reports:

The documents/reports/research analysis available on the Website or published/produced by Grow More Consultancy does not constitute an offer or solicitation for the purchase or sale of any Security / financial instrument or as an official confirmation of any transaction. Grow More Consultancy and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy shall not be in any way responsible for any loss or damage that may arise to any person from any inadvertent error in the information contained in any of the research recommendation or research report/alert. The documents/reports/research analyses are provided for assistance only and is not intended to be and must not alone be taken as the basis for any decision. The user assumes the entire risk of any use made of this information. This information is strictly confidential and is being furnished to you solely for your information. This information should not be reproduced or redistributed or passed on directly or indirectly in any form to any other person or published, copied, in whole or in part, for any purpose. The distribution of this document in certain jurisdictions may be restricted by law, and persons in whose possession this document comes, should inform themselves about and observe, any such restrictions. The information given in this document is as of the date and time of the documents/reports/research analysis and there can be no assurance that future results or events will be consistent with this information. The information is subject to change without any prior notice. Grow More Consultancy and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy reserves the right to make modifications and alterations to this statement as may be required from time to time. However, Grow More Consultancy and its owner, directors, employees, affiliates and associates and /or the Grow More Consultancy are under no obligation to update or keep the information current. Neither Grow More Consultancy nor any of its owners, directors, employees, agents or representatives shall be liable for any damages whether direct, indirect, special or consequential including lost revenue or lost profits or lost capital that may arise from or in connection with the use of the information. For data reference to any third party in this material no such party will assume any liability for the same. All layout, design, original artwork, concepts and other Intellectual Properties, remains the property and copyright of Grow More Consultancy and may not be used in any form or for any purpose whatsoever by any party without the express written permission of the copyright holders. This is a private website owned by Grow More Consultancy. Unauthorized scanning of vulnerabilities and exploitation of the same is strictly prohibited. If you have been found to do so, Grow More Consultancy may bring Civil and/or Criminal action and/or legal proceedings against you which shall be entirely at your costs and consequences.

Liability Limitations

Grow More Consultancy firm and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy firm will not be liable to you (whether under the law of contract, the law of torts or otherwise under any other law) in relation to the contents of, or use of, or otherwise in connection with, this Website:

For any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or capital or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Grow More Consultancy firm and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy have been expressly advised of the potential loss.

Reasonableness: –

By using this Website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this Website.

Other Parties: –

You accept that Grow More Consultancy firm has an interest in limiting the personal liability of its owner, officers, employees, directors, affiliates and group companies. You agree that you will not bring any claim personally against Grow More Consultancy firm and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy firm in respect of any losses you suffer in connection with the website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect Grow More Consultancy firm and its owner, directors, employees, affiliates and associates and or the Grow More Consultancy firm.

Unenforceable Provisions: –

If any provision of this Website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this Website disclaimer.

Jurisdiction: –

Your use of this website and any dispute arising out of such use of the website is subject to the laws of India. You hereby consent to the exclusive jurisdiction and venue of courts in Mumbai or Navi Mumbai, Maharashtra, India in all disputes arising out of or relating to the use of this Website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

PRIVACY POLICY: –

Your privacy is important to Grow More Consultancy. This privacy statement provides information about the personal information that Grow More Consultancy collects, and the ways in which Grow More Consultancy uses that personal information.

Personal information collection

Grow More Consultancy may collect and use the following kinds of personal information:

Information about your use of this website

Information that you provide using for the purpose of registering with Grow More Consultancy (“the Website”).

Information about transactions carried out over this Website.

Information that you provide for the purpose of subscribing to the Website services.

Any other information that you send to Grow More Consultancy.

Using personal information.

Grow More Consultancy may use your personal information to: –

• Administer this Website.
• Personalize the Website for you.
• Enable your access to and use of the Website services.
• Publish information about you on the Website.
• Send to your products that you purchase.
• Supply to your services that you purchase.
• Send you statements and invoices.
• Collect payments from you and
• Send you marketing communications

Where Grow More Consultancy may disclose your personal information to its employees/agents or sub-contractors for the above purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement. Grow More Consultancy shall or its agents and/or sub-contractors may use your personal information to make contact with you for promotion of products/schemes/Services etc. of Grow More Consultancys or of its partners from time to time. You hereby agree and understand that such promotional calls shall be made to you unless you specifically convey to Grow More Consultancy to not call you further for such promotions, schemes, services etc.

In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, Grow More Consultancy may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.

Securing Your Data: –

Grow More Consultancy will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.

Grow More Consultancy will store all the personal information you provide on its secure servers.

Information relating to electronic transactions entered into via this Website will be protected by encryption technology.

Cross-border data transfers: –

Information that Grow More Consultancy collects may be stored and processed in and transferred between any of the countries in which Grow More Consultancy operates (if at all) to enable the use of the information in accordance with this privacy policy.

In addition, personal information that you submit for publication on the website will be published on the internet and may be available around the world. You agree to such cross-border transfers of personal information.

Updating this statement: –

Grow More Consultancy may update this privacy policy by posting a new version on this Website. You should check this page occasionally to ensure you are familiar with any changes.

Other websites: –

This website contains links to other websites. Grow More Consultancy is/are not responsible for the privacy policies or practices of any third party.

If you have any questions about this privacy policy or treatment of your personal information, please write to by email: growmore1388@gmail.com.

PRIVACY POLICY: –

By visiting our site “https://growmoreconsultancy.com/” (“Website”) you (“you” refers to the user or viewer of the Website) are agreeing to be bound by the following terms and conditions and the Privacy Policy on the Website. We may change these terms and conditions at any time. By using this Website or any utility in this web site directly or indirectly you abide by all terms and conditions mentioned herein and that you accept any new or modified terms and conditions that we come up with. If you do not agree to any of the terms mentioned herein, you should exit the site immediately.

REGISTRATION / ENROLMENT AND TERMINATION: –

By registering for this facility you understand that Grow More Consultancy firm and its owner, directors, employees and associates (hereinafter singly and jointly referred to as “Grow More Consultancy”) reserves the right, in its sole discretion, to deny you access to this Website or any portion thereof without notice for the following reasons (a) any unauthorized access or use by you (b) if you assign or transfer (or attempt the same) any rights granted to you under this User Agreement or any other agreement that you may have entered with Grow More Consultancy; © if you violate any of the other terms and conditions of this User Agreement. Termination or cancellation of this Agreement shall not affect any right or relief to which Grow More Consultancy may be entitled, at law or in equity. Upon termination of this User Agreement, all rights granted to you will terminate and revert to Grow More Consultancy.

LICENSE: –

Grow More Consultancy, hereby grants you a limited, non-exclusive, non-assignable and non-transferable license to access to the Website provided and expressly conditioned upon your agreement that all such access and use shall be governed by all of the terms and conditions set forth in this User Agreement.

SECURITY: –

Unauthorized use of this Website and systems, including, but not limited to, unauthorized entry into Grow More Consultancy’s systems, online accounts, Client Desks, Partners & Distributor Desks, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this Website in any manner that could damage, disable, overburden, or impair this Website or service or interfere with any other party’s use and enjoyment of this Website or service. You may not attempt to gain unauthorized access to any of our site or service and computer systems or networks connected to it, through hacking. You agree that you will not engage in any activities related to this web site that are contrary to the applicable laws or regulations in force. The users have the primary responsibility to keep their login-ids and passwords secure and to not display such crucial, important information to any third person. In case of any such leak of login-id & password, Grow More Consultancy cannot be responsible for the loss of such information, or for any act, omission, damages, claims, loss of personal information, etc. arising from the use of such leakage of login-ids and passwords. Grow More Consultancys may, at its own discretion, use certain technology on its web sites to collect information from visitors and may compile aggregate statistical information about how visitors use its web sites, including information relating to the frequency of visits, the average length of visits, which pages are viewed during a visit. No individually identifiable information is collected for this purpose and Grow More Consultancy does not monitor individual visitor behaviour.

SERVICE DELAYS: –

Grow More Consultancy reserves its right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this web site and to suspend and/or deny access to this web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. Grow More Consultancy may discontinue or change any service described in or offered on this web site or in any modules or parts thereof at any time if deemed fit and proper. Grow More Consultancy (including its owner, directors, employees, affiliates, agents, representatives or subcontractors) shall not be liable for any loss or liability resulting, directly or indirectly, from delays or interruptions due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes, walkouts, fire, riots, armed conflicts, acts of war, pandemic situations or other like causes. Grow More Consultancy shall have no responsibility to provide you access to the Website while interruption of the Website is due to any such cause shall continue.

PRODUCTS OFFERED ON THE WEBSITE: –

With respect to the data from Capital Markets and the products made available on the Website by Grow More Consultancy including but not limited to stocks, reports etc.

YOU HEREBY AGREE THAT: –

You confirm that the details provided by you are true and correct.

You hereby declare that the amount being transferred by you for the purpose of subscribing to any of Grow More Consultancy research services is derived through legitimate sources and is not held or designed for the purpose of contravention of any Act, Rules, Regulations or any statute or legislation or any other applicable laws or any Notifications, Directions issued by any governmental, regulatory or statutory authority/Lies from time to time.

You agree that Grow More Consultancy sources the data from the Capital Markets and is/are therefore not responsible and/or should be held liable by you for the correctness or accuracy of any information received in that regard from the Capital Markets.

You agree that the National Stock Exchange (“NSE”) data displayed on the site is always delayed by five (5) minutes whereas the Bombay Stock Exchange (“BSE”) data displayed on the site is delayed by fifteen (15) minutes; and technical glitches if any, may further delay the data at times and that you will not hold Grow More Consultancy responsible for any such delays in receiving the data / feeds from time to time.

You agree that the authenticity of the data received from Capital Markets is not guaranteed by Grow More Consultancy and that Grow More Consultancy shall assume no responsibility or liability in any manner whatsoever for such data and your subsequent trade, action etc. acting upon such data.

LIABILITY: –

You agree that, Grow More Consultancy (Including its owner , officers, directors, employees, affiliates, group companies agents, representatives or subcontractors) shall not be, in any event, be liable, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or other damages of any kind whatsoever arising out of the use or inability to use Grow More Consultancy (“the Website”) for any purpose whatsoever even if Grow More Consultancy or any other such party has been advised of the possibility thereof. Grow More Consultancy and its owner, officers, directors, employees and agents shall have no liability in tort, contract, or otherwise to the user and/or any third party. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. Grow More Consultancy cannot and does not guarantee continuous, uninterrupted or secure access to this web site.

LINKS TO THIRD PARTY SITES: –

The links in this site will allow you to leave the Website. The linked sites are not under the control of the Website. The Website has not reviewed, nor approved these sites and is not responsible for the contents or omissions of any linked site or any links contained in a linked site. The inclusion of any linked site does not imply endorsement by Grow More Consultancy (“the Website”).

INDEMNIFICATION: –

You shall indemnify, defend and hold harmless Grow More Consultancy (including its owner, officers, directors, employees, affiliates, group companies, agents, representatives or subcontractors) from any and all claims and losses imposed on, incurred by or asserted as a result of or related to: (a) your access and use of Grow More Consultancys (“the Website”) of Grow More Consultancy firm, (b) any non-compliance by user with the terms and conditions hereof; or © any third party actions related to users receipt and use of the information, whether authorized or unauthorized. Any clause declared invalid shall be deemed severable and not affect the validity or enforceability of the remainder. These terms may only be amended in a writing signed by Grow More Consultancy. If Grow More Consultancys takes action (by itself) to enforce any of the provisions of this User Agreement, including collection of any amounts due here under, Grow More Consultancy shall be entitled to recover from you (and you agree to pay), in addition to all sums to which it is entitled or any other relief, at law or in equity, reasonable and necessary attorney’s fees and any costs of any litigation.

ENTIRE AGREEMENT

This User Agreement constitutes the entire agreement between the parties and is inclusive of any other written agreement existing between you and Grow More Consultancy and Research Services. By using the information on https://growmoreconsultancy.com/ (“the Website”) of Grow More Consultancy and Research Services firm, you assume full responsibility for any gains and losses, financial, emotional, or otherwise, experienced, suffered, or incurred by you. https://growmoreconsultancy.com/ (“the Website”) of Grow More Consultancy and Research Services firm does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse in any way, the views, opinions, or recommendations expressed in the Information, does not give investment advice and does not advocate the purchase or sale of any security or investment by you or any other individual. The Information is not intended to provide tax, legal, or investment advice, which you should obtain from your professional advisor before making any investment of the type discussed in the Information. The Information does not constitute a solicitation by the information providers, https://growmoreconsultancy.com/ (“the Website”) of Grow More Consultancy and Research Services firm or any other platform for the purchase or sale of securities. The service is provided “as is,” without warranty of any kind, either express or implied, including without limitation, any warranty for information, data, services, uninterrupted access, provided through or in connection with the service. Specifically, https://growmoreconsultancy.com/ (“the Website”) of Grow More Consultancy and Research Services firm disclaims any warranties, including, but not limited to (i) any warranties concerning the availability, accuracy, usefulness, or content of information, products or services; and (ii) any warranties of title, warranty of non-infringement, warranties of merchantability or fitness for a particular purpose. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tort, negligence, or under any other cause of action. Neither https://growmoreconsultancy.com/ (“the Website”) of Grow More Consultancy and Research Services firm nor any of its owners, employees, agents, successors, assigns, affiliates, group companies, or content or service providers shall be liable to you or another third party for any direct, indirect, incidental, special or consequential damages arising out of the use of service or inability to gain access to or use the service or out of any breach of any warranty. Because some countries do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such countries, the respective liability of Grow More Consultancys and Research Services firm, https://growmoreconsultancy.com/ (“the Website”) of Grow More Consultancy and Research Services firm, its owner, employees, agents, successors, assigns, affiliates, group companies, and content or service providers respective liability is limited to the amount provided under said law. Further, you agree and understand that all services provided are non-refundable and that you should carefully consider whether our services can meet your needs. Transactions between users of this site and Grow More Consultancy and Research Services shall be governed by and construed by the Securities and Exchange Board of India (“SEBI”) Regulations and laws of India, without regard to the laws regarding conflicts of law. Any litigation regarding this agreement or any transaction between the customer and Grow More Consultancy and Research Services or any action at law or in equity arising out of or relating to this agreement or transaction shall be filed only in the Competent Courts of Thane, Maharashtra and the customer hereby acknowledges, agrees, consents and submits to the jurisdiction of such courts to litigate any such action.

JURISDICTION

The terms of this agreement are exclusively based on and subject to Indian law. You hereby consent to the exclusive jurisdiction and venue of courts in Thane, Maharashtra, India in all disputes arising out of or relating to the use of this website. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

CODE OF ETHICS AND CONDUCT

Copyright ©” 2022” Grow More Consultancy and Research Services

• Ownership of copyright

The copyright in this website and the material on this website (including without limitation the text, artwork, photographs, images, music, audio material, video material, and audio-visual material on this website) is owned by Grow More Consultancy and Research Services and its licensors.

• Copyright license

Grow More Consultancy and Research Services grant you a non-exclusive royalty-free revocable license to:

View this website and the material on this website on a computer or mobile device via a web browser.

Copy and store this website and the material on this website in your web browser cache memory.

Print pages from this website for your personal non-commercial use.

Grow More Consultancy and Research Services do not grant you any other rights about this website or the material on this website. In other words, all other rights are reserved.

For the avoidance of doubt, you must not adapt, edit, change, transform, republish, redistribute, broadcast, or show or play in public this website or the material on this website (in any form or media) without Grow More Consultancy and Research Services prior written permission. You may request permission by writing to growmore1388@gmail.com

• Data mining

The automated and/or systematic collection of data from this website is prohibited.

• Enforcement of copyright

Grow More Consultancy and Research Services firm takes the protection of its copyright materials very seriously. If Grow More Consultancy and Research Services firm discovers that you have used our copyright materials in contravention of the license above, Grow More Consultancy and Research Services may bring legal proceedings against you for an injunction to stop you from using those materials and monetary damages. You could also be ordered to pay our legal costs. If you become aware of any use of Grow More Consultancy and Research Services copyright materials that contravenes or may contravene the license above, please let us know by email at

growmore1388@gmail.com

• Infringing material

If you become aware of any material on the website that you believe infringes your or any other person’s copyright, please let us know by email at

growmore1388@gmail.com

Before you start trading

#	DO’s	DONT’s
1	Assess the risk-return profile of the investment as well as the liquidity and safety aspects before making and/or acting upon your investment decision	Don’t trade in any product without knowing and/or understanding the associated risks and rewards
2	Make investments based on sound reasoning, after taking into account all publicly available information. You may access the websites of Companies and Regulators for this information	Don’t get influenced by information that does not originate from an appropriate source
3	Make all payments in the form of cheque/online transfer in the name Grow More Consultancy and Research Services only	Don’t get influenced into buying fundamentally unsound companies (penny stocks) based on sudden spurts in trading volumes or prices or non-authentic favourable looking articles/stories
4		Don’t match/synchronize trades with any other person for any thinly traded shares
5		Don’t indulge in any trading activity which results in the disturbance of market equilibrium in any manner including manipulation of the price of any scripts
6		Don’t get carried away by luring advertisements, if any
7		Don’t make a cash payment or issue a cheque in the name of any employee of Grow More Consultancy and Research Services or any other person in respect of the transactions
8		Don’t issue blank/bearer cheques to anyone

Secure Fund Transfer

• Payment for all research services should be made in the current account of Grow More Consultancy and Research Services only. No payment should be made in any account of an employee/associate of Grow More Consultancy and Research Services or any other individual in any condition
• In case of payment through Pay Order, Demand Draft, Banker’s cheque, NEFT or RTGS; provide the following proof of payment
• Certificate from the issuing bank on its letterhead or a plain paper with the seal of the issuing bank
• Certified copy of the requisition slip (portion which is retained by the bank) to issue the instrument
• Certified copy of the passbook/bank statement for the account debited to issue the instrument
• Authentication of the bank account number debited and name of the account holder by the issuing bank on the reverse of the instrument
• Track your ledger regularly to check the credit for payment of funds

GENERAL PRACTISE WHILE YOU TRADE

#	DO’s	DONT’s
1	Give unambiguous instructions to your broker while placing orders over the phone with your broker.	In any circumstance, do not reveal your login credentials to any other person, not even a Grow More Consultancy and Research Services representative
2	You will be solely responsible for all transactions effected by internet trading. Therefore, change your password every fortnight
3	Be aware of the risk associated with the asset classes you are trading in the market and margin calls on them. In case of inadequate margin or non-payment of margin in your account, your positions will be squared off by the Risk Management team of your broker.
4	Maintain adequate margins at all points of time. In case of margin shortfall or delay in payments, your outstanding position will be squared up by your broker.

HOW CAN YOU STAY PROTECTED AT ALL TIMES?

#	DO’s	DONT’s
1	Forward suspicious emails asking for sensitive information to compliancegrowmore333@gmail.com	Do not reveal your personal information Customer IDs, Passwords, and One Time Passwords (OTP) to anybody over the phone, on the internet, or via email
2	Write to us at compliancegrowmore333@gmail.com, if you notice a duplicate Grow More Consultancy and Research Services or webpage	Do not open or click on attachments included in emails from organizations or people you don’t know
3	Call us on 8828662506 right away, if you’ve provided sensitive account information to an unauthorized person, or to report a fraud	Do not enable the ‘Auto Run’ feature in Windows systems
4	Install and update good-quality antivirus software	Install and update good-quality antivirus software
5	Use only devices (like USBs, external hard drives, and smartphones) that you completely trust.	Use an outdated web browser or one that isn’t up to date
6	Exercise caution when using the internet in public places such as internet cafes and airport lounges	Do not divulge personal information on social
7	Type the entire Grow More Consultancy and Research Services address (https://growmoreconsultancy.com/) into your browser to avoid being misdirected to a bogus site when you use the search option.	Do not disclose personal or business information via a website link attached to an email
8		Do not trust a site appearing to belong to Grow More Consultancy and Research Services if it doesn’t start with the ‘HTTPS’ prefix and doesn’t have a padlock symbol

CUSTOMER AWARENESS OF SECURITY

Let’s face it, hackers are smart, and they’re only getting better by the minute. So, while we work hard to keep the bad guys at bay, here’s what you can do to stay protected at all times.

1. Beware of fraud

• Don’t provide personal information such as Customer IDs, Passwords, and One Time Passwords (OTP) to anybody over the phone, on the internet, or via email
• Don’t open or click on attachments included in emails from organizations or people you don’t know

2. How to detect a fake email or website

• A message stating that your account may have been compromised, and asking for personal information
• An email promising prize money for completing a survey or answering questions that compel you to reveal personal information
• An email directing you to a fake website designed to look like the real thing

3. How fraudsters may try to trick you

• Phishing: These are fake emails that appear to be sent by a credible source to compel you to reveal personal information, which can then be used to commit fraud
• Vising: These are phone calls by people pretending to work for Grow More Consultancy and Research Services or another legitimate business, asking you to reveal personal information
• Trojan / Virus: These are programs inadvertently installed on your computer to steal your sensitive information, spy on you, or cause a security breach: These are SMS text messages that urge you to call a number to a seemingly potential fraud
• Ransom ware: This refers to malware that infects your computer, blocks access to your files, and demands money from you to access your files once again
• Spyware: This is a type of software that secretly monitors activity on your computer and reports back to the fraudster, who then uses the information to access your accounts

4. How you can secure your passwords

• Here’s how you can keep your passwords from falling into the wrong hands:
• Ignore requests from organizations or individuals requesting you to verify your passwords or PINs, as no reputable financial organization does that
• Memories your passwords instead of writing them down, and don’t share them with anybody
• Remember to change your passwords every 90 days or less
• Use a combination of letters, numbers, and special characters, with a mix of upper- and lower-case letters to make your passwords more secure
• Avoid using family names, names of pets, and important dates
• Avoid using common names or words in foreign languages to create your passwords

5. How we’re working to keep you safe

• Security Implementations: All our systems are secured using effective security solutions like firewalls, intrusion detection systems, intrusion prevention systems, and anti-malware systems.
• Website Certificate: The SSL Certificate provides clear visual indicators of a green address bar. The green address bar /padlock verifies that the website belongs to the organization it claims to be from. As soon as the website URL address bar becomes green, customers can be assured it is a genuine website. Do not log in to the website who’s Padlock or address bar turn’s red or appears broken.