This site is owned and operated by R. M. Lall & Co. and all rights, including copyright, in the content of these web pages are owned or controlled for these purposes by R. M. Lall & Co.

Your access to this website constitutes your agreement to be bound by all terms and conditions listed herein below which take effect on the date on which you first use the site. If you do not agree to this, you may not access or otherwise use the website. R.M. Lall & Co. reserves the right to change these terms and conditions at any time by posting changes online. You are responsible for reviewing regularly information posted online to obtain timely notice of such changes. Your continued use of this site after changes are posted constitutes your acceptance of this agreement as modified by the posted changes.

You are not permitted to modify, copy, reproduce, republish, upload, post, distribute, broadcast, download, store (in any medium), transmit, show or play in public, adapt or change in any way any material from this site including code and software for any other purpose whatsoever without the prior written permission of R. M. Lall & Co. You may only download the material from this site for your own personal non-commercial use, provided you keep intact all copyright and other proprietary notices.

You agree to use this site only for lawful purposes, and in a manner which does not infringe the rights of, or restrict or inhibit the use and enjoyment of this site by any third party. Such restriction or inhibition includes, without limitation, conduct which is unlawful, or which may harass or cause distress or inconvenience to any person and the transmission of obscene or offensive content or disruption of normal flow of dialogue within this site.

R. M. Lall & Co. reserves the right, for any reason, in its sole discretion, to terminate, change or suspend any aspect of this website, including, but not limited to, content or features.

This Site provides links to websites or resources operated by entities other than R. M. Lall & Co. Since we do not have control over such sites and resources, you acknowledge and agree that R. M. Lall & Co. is not responsible for the availability of such externals sites and shall not be liable for any content, advertising, products, services or other materials on or available from such sites or resources. The inclusion of hyperlinks to such sites does not imply any endorsement of the material on such websites or any association with their operators. You further acknowledge and agree that R. M. Lall & Co. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, or service available on or through any such site or resource.

Whereas all reasonable efforts to ensure that the information contained on this website is current, accurate and complete at the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information.

The materials in this site are provided "AS IS" and on an "AS AVAILABLE" basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. In no event will R. M. Lall & Co. be liable for any damages including, without limitation, any special, incidental, indirect or consequential damages, or any damages whatsoever arising directly or indirectly from use or loss of use, data, revenue, business, sale or profits, whether in action of contract, negligence or other tortious action, arising out of or in connection with the use of the site. R. M. Lall & Co. does not warrant that the functions contained in the material contained in this site will be timely, secure, uninterrupted or error free, or that defects will be corrected, or that this site or the server that makes it available are free of viruses or bugs or represents the full functionality, accuracy, reliability of the materials. No advice or information, whether oral or written, obtained by you from us or through this website shall create any warranty not expressly made herein. Nothing contained herein shall be construed as conferring by implication, estoppels or otherwise any licence or right of R. M. Lall & Co. or any other third party.

If there is any conflict between these Terms and Conditions and rules and/or specific terms of use appearing on this site relating to specific material then the latter shall prevail.

This agreement is effective until terminated by either party. You may terminate this agreement at any time by discontinuing your use of the R. M. Lall & Co. site and destroying all materials obtained from it. If these Terms and Conditions are not accepted in full, the use of this site must be terminated immediately. If you require any further information on permitted use, or a licence to republish any material, e-mail us at