Terms of Service Following are the terms and conditions (the “Terms”) on which we supply content, Services or services listed on NISPAND our applications (the “Apps”) or via other delivery methods to you (the site and such content, services and the Apps are collectively referred to herein as the “Service” or “Services”, which may be modified from time-to-time at the sole discretion of Nispand Private Limited). Please read these terms and conditions, carefully before ordering any Services from the Website or third party App stores (e.g. the Apple App Store, the Android Play Store, Amazon, etc.). The terms “NISPAND,” “us” or “we” refers to Nispand Private Limited. The term “Device” refers to the device which is used to access the Services including but not limited to computers, smart phones and tablets. The term “you” refers to the user of the Services. When you use or access any Services, you agree to be bound by these Terms and all applicable laws, rules and regulations. You may also be asked to click “I accept” at the appropriate place prior to your purchase or access to the Services. At such time, if you do not click “I accept”, you may not be able to complete such purchase or gain such access. By using the Services, you indicate that you accept these Terms and that you agree to abide by them. If you do not agree to these Terms, please refrain from using the Services. We may modify the Terms at any time, at our sole discretion. If we do so, we’ll let you know either by posting the modified Terms on the Site or through other communications. It’s important that you review the Terms whenever we modify them because if you continue to use the Services after we have posted modified Terms on the Site, you are indicating to us that you agree to be bound by the modified Terms. If you don’t agree to be bound by the modified Terms, then you may not use the Services anymore. Because our Services are evolving over time we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion. Our contact email address is help@nispand.com. All correspondence to Nispand Private Ltd 301, MahaAnand CHS Ltd, Azad Road, Vileparle East, Mumbai 400057 including any queries you may have regarding your use of the Services or these Terms should be sent to this contact email address. Arbitration notice and class action waiver Please note that these terms contain an Arbitration clause, you and NISPAND agree that disputes relating to these terms or your use of the services will be resolved by mandatory binding arbitration. Becoming a member a. You may sign up as a registered user of the Services (a “Member”). To become a Member you need to go to the relevant section of the Services, then submit your first name, last name and email address to us, and create a password to be used in conjunction with that email address. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your Device. You may not register for more than one Member account. b. In the course of your use of the Services, you may be asked to provide certain personalized information to us (such information is referred to hereinafter as “User Information”). Our information collection and use policies with respect to the privacy of such User Information are set forth in the Privacy Policy. You acknowledge and agree that you are solely responsible for the accuracy and content of User Information, and you agree to keep it up to date. c. By registering an account with us for the Services, you warrant that You are legally capable of entering into binding contracts All registration information you submit is correct and accurate You will maintain the accuracy of such information; and Your use of the Services does not violate any applicable law or regulation. After becoming a member You are responsible for maintaining the confidentiality of your account, password and other User Information and for restricting access to your Device to further help protect such information. You are responsible for updating your User Information. Membership As a Member you will receive access to certain sections, features and functions of the Services that are not available to non-members. By agreeing to become a Member you may receive occasional special offer, marketing, and survey communication emails with respect to the Services. You can easily unsubscribe from commercial emails by following the opt-out instruction in these emails. Our membership accounts and subscriptions are not transferable and therefore you agree to not sell, transfer, or exchange membership accounts or subscriptions in any way or under any circumstance. This expressly applies to any discounted, subsidized, or free accounts or subscriptions. Subscription a. Our account holders may access the Services on a subscription fee-based program, which gives access to all content within the Services. You will only have access to the Services while your paid subscription is active and subsisting. You may have access to a free trial period of 30 days. However, at the end of the free trial period, the customer must subscribe. In such instances, you can disable the automatic conversion by following the cancellation instructions prior to the date of conversion. You may access NISPAND in the following ways: by purchasing a subscription to the Services from the Website, within the Apps, where allowed by the App marketplace partners, or through a bundle with one or more of our bundle subscription partners. Please note that if you purchase a subscription through the Apple iTunes Store or our iPhone application, the sale is final, and we will not provide a refund. Your purchase will be subject to Apple’s applicable payment policy, which also may not provide for refunds. If you purchase a subscription through the Google Play store, the sale is final and we will not provide a refund. Your purchase will be subject to Google’s applicable payment policy, which also may not provide for refunds. If you purchase through one or more of our bundle subscription partners, the purchase may be further subject to the Terms and Conditions of such partners, and payment and management of the bundle subscription may be administered by them. b. You may access NISPAND via a subscription which will be according to the plan in effect at that time. For the purposes of our monthly and yearly subscriptions, a month constitutes 30 calendar days and a year constitutes 365 calendar days. c. Our “Monthly” subscription is paid in monthly instalments. For each month that your monthly subscription is active, you have to make the payment before the subscription period ends. You must cancel your subscription before it renews in order to avoid billing of the next month’s subscription fee. Refunds cannot be claimed for any partial-month subscription period. d. Our “Yearly” subscription is paid for. The renewals will be automatic, as specified for yearly subscriptions in point.You must cancel your subscription before it renews in order to avoid billing of the renewal subscription fee. Refunds cannot be claimed for any partial subscription period. e. You are responsible for all applicable fees and charges incurred, including applicable taxes, and all subscriptions purchased by you. f. Our obligation to provide the Services only comes into being when we take receipt of your Order, and we confirm your purchase to you by email. We shall confirm your Order and send you an email to confirm your access to the subscription purchased. Please quote the Order number in all subsequent correspondence with us. You agree not to hold us responsible for banking charges incurred due to payments on your account. If payment is not received by us from the Payment Method you provided, you agree to pay all amounts due upon demand by us. You agree that you are not permitted to resell any Services purchased through NISPAND for commercial purposes. Changing fees and charges We reserve the right to change our subscription plans or adjust pricing for our service or any components thereof in any manner and at any time as we may determine in our sole and absolute discretion. Except as otherwise expressly provided for in these Terms, any price changes or changes to your subscription plan will take effect following notice to you. Cancellation by you a. You may cancel a Monthly subscription at any time. The subscription, collection and cancellation is not managed by the App/Play Store. b. Please note that if you purchase a subscription through the Apple iTunes Store or our iPhone application, you may cancel your subscription by cancelling automatic renewal of paid In App Subscriptions by selecting Manage App Subscriptions in your iTunes Account settings and selecting the subscription you want to modify. If you purchase a subscription through the Google Play store you may cancel automatic renewals in account settings under Subscriptions in the Google Play app, or according to the current process outlined by Google Play. Cancellation by us We may suspend or terminate your use of the Services as a result of your fraud or breach of any obligation under these Terms. Such termination or suspension may be immediate and without notice. A breach of these Terms includes without limitation, the unauthorized copying or download of our audio or video content from the Services. Prohibited use of the services You agree not to upload, post, email or otherwise send or transmit or introduce any material that contains software viruses or any other computer code, files or programs designed to interrupt, harm, damage, destroy or limit the functionality of any computer software or hardware or equipment linked directly or indirectly with the Services or the Services themselves. You agree not to interfere with the servers or networks underlying or connected to the Services or to violate any of the procedures, policies or regulations of networks connected to the Services. You may not access the Services in an unauthorized manner. You agree not to impersonate any other person while using the Services, conduct yourself in an offensive manner while using the Services , or use the Services for any illegal, immoral or harmful purpose. By breaching the provisions of this section, you may commit a criminal offense under applicable laws. We may report any such breach to the relevant law enforcement authorities and we may cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Services will cease immediately. You agree not to use the Services for any purposes related to scientific research, analysis or evaluation of the Services without our express written consent. Materials offered through the services Copyright a. All materials (including software and content whether downloaded or not) contained in the Services are owned by Nispand Private Limited, unless indicated otherwise. You agree and acknowledge that the materials are valuable property and that other than any specific and limited license for use of such materials, you shall not acquire any ownership rights in or to such materials. The materials may not be used except as provided for in these Terms, and any other relevant terms and conditions provided to you without our prior written permission. b. Audio or video content from NISPAND not explicitly indicated as downloadable may not be downloaded or copied from the Services or any Device. c. The Services are not intended for your commercial use. Commercial advertisements, affiliate links, and other forms of solicitation may be removed by us without notice and may result in termination of privileges. You must not use any part of the materials used in or on the Services for commercial purposes without obtaining a written license to do so from us. Material from the Services may not be copied or distributed, or republished, or transmitted in any way, without our prior written consent. Any unauthorized use or violation of these Terms immediately and automatically terminates your right to use the Services and may subject you to legal liability. You agree not to use the Services for illegal purposes (including, without limitation, unlawful, harassing, libellous, invasion of another’s privacy, abusive, threatening or obscene purposes) and you agree that you will comply with all laws, rules and regulations related to your use of the Services. Appropriate legal action may be taken for any illegal or unauthorized use of the Services. d. You may not otherwise download, display, copy, reproduce, distribute, modify, perform, transfer, create derivative works from, sell or otherwise exploit any content, code, data or materials in the Services . If you make other use of the Services, or the content, code, data or materials thereon, except as otherwise provided above, you may violate copyright and other laws and may be subject to liability for such unauthorized use. Nispand Private Ltd will enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution. Trademarks NISPAND ®, the NISPAND logo and all other NISPAND product or service marks are trademarks of Nispand Private Limited, Nothing grants you any license or right to use, alter or remove or copy such material. Your misuse of the trademarks displayed on the Services is strictly prohibited. Nispand Private Limited will enforce its trademark rights to the fullest extent of the law, including the seeking of criminal prosecution. User materail The Services may let you submit material to us: for example, you may be able post comments or images in certain functions or features of the Product. In these Terms, we use the term “User Material” to refer to any publicly available material of any kind that you submit to us, including text, files, images, photos, video, sounds and musical or literary works. User Material does not include the account information, Product purchase, or Product use information which you provide in registering for and using Services. This section sets out the rights and obligations that each of us have in connection with User Material. If you review or submit User Material, you are agreeing to do so in accordance with these Terms. If you do not want to review or submit User Material in accordance with these Terms, then you should not do so. We do not systematically review User Material submitted by you or other users. We are not responsible for the content of User Material provided by you or any other user. We do not necessarily endorse any opinion contained in such material. We make no warranties or representations, express or implied, about User Material, including as to its legality or accuracy. We reserve the right, in our sole discretion, to refuse to post or to remove or edit any of your User Material, or to restrict, suspend, or terminate your access to all or any part of the Services, particularly where User Material breaches this section, and we may do this with or without giving you any prior notice. We may link User Material or parts of User Material to other material, including material submitted by other users or created by NISPAND or other third parties. We may use User Material for our internal business purposes, for example, to examine trends or categories or to promote market or advertise NISPAND. You acknowledge that we may indirectly commercially benefit from use of your User Material. Each time you submit User Material to us, you represent and warrant to us as follows: a. You own your User Material or have the right to submit it, and in submitting it you will not be infringing any rights of any third party, including intellectual property rights (such as copyright or trademark), privacy or publicity rights, rights of confidentiality or rights under contract. b. Your User Material is not illegal, obscene, defamatory, threatening, pornographic, harassing, hateful, racially or ethnically offensive, and does not encourage conduct that would be considered a criminal offense, and does not give rise to civil liability, violate any law, or is otherwise deemed inappropriate. c. Your User Material does not advertise any product or service or solicit any business. d. Your User Material does not identify any individual (including by way or name, address or a still picture or video) under the age of 18 and if User Material identifies any individual over the age of 18, you have that person’s consent to being identified in exactly that way in your User Material; and in submitting your User Material you are not impersonating any other person. e. You will not collect email addresses of users for the purpose of sending unsolicited email. (f) You will not engage in criminal or tortious activity, including fraud, spamming, skimming, sending of viruses or other harmful files, copyright infringement, patent infringement, or theft of trade secrets or attempt to impersonate another user or person. f. You will not engage in any automated use of the system, such as using scripts to alter our content. (h) You will not, without authorization, access, tamper with, or use non-public areas of the Services, our computer systems, or the technical delivery systems of NISPAND providers. g. Except as necessary to maintain your own computer security by use of commercial-off-the-shelf anti-virus or anti-malware Services, you will not attempt to probe, scan, or test the vulnerability of the Services or any other NISPAND system or network or breach any security or authentication measures. We are entitled to identify you to third parties who claim that their rights have been infringed by User Material you have submitted. User Material is not considered to be confidential. You agree not to submit any content as User Material in which you have any expectation of privacy. We do not claim any ownership rights in User Material. However, by submitting User Material you hereby grant us an irrevocable, perpetual, non-exclusive, royalty free, worldwide license to use, telecast, copy, perform, display, edit, distribute and otherwise exploit the User Material you post on the Services , or any portion thereof, and any ideas, concepts, or know how contained therein, with or without attribution, and without the requirement of any permission from or payment to you or to any other person or entity, in any manner (including, without limitation, for commercial, publicity, trade, promotional, or advertising purposes) and in any and all media now known or hereafter devised, and to prepare derivative works of, or incorporate into other works, such User Material, and to grant and authorize sublicenses of the foregoing without any payment of money or any other form of consideration to you or to any third party. We may include your User Material in our Distribution Content that is made available to others through the Services. Be aware that Nispand Private Limited has no control over User Material once it leaves the Services, and it is possible that others may duplicate material found on the Services, including, but not limited to, on other sites on the Internet. You represent and warrant that you own or otherwise control the rights to your User Material. You agree to indemnify us and our affiliates for all claims arising from or in connection with any claims to any rights in your User Material or any damages arising from your User Material. Any inquiries, feedback, suggestions, ideas, other information which is not part of your use of the Services or User Material that you provide to us (collectively, “Submissions”) will be treated as non-proprietary and non-confidential. By transmitting, uploading, posting, e-mailing, or otherwise submitting Submissions to the Services , you grant, and you represent and warrant that you have the right to grant, to us as an irrevocable, perpetual, non-exclusive, royalty free, worldwide license to use, telecast, copy, perform, display, edit, distribute and otherwise exploit the Submissions, or any portion thereof and any ideas, concepts, or know how contained therein, with or without attribution, and without the requirement of any permission from or payment to you or to any other person or entity, in any manner (including, without limitation, for commercial, publicity, trade, promotional, or advertising purposes) and in any and all media now known or hereafter devised, and to prepare derivative works of, or incorporate into other works, such Submissions, and to grant and authorize sublicenses of the foregoing without any payment of money or any other form of consideration to you or to any third party. You also acknowledge that your Submissions will not be returned to you and that NISPAND has no obligation to acknowledge receipt of or respond to any Submissions. If you make a Submission, you represent and warrant that you own or otherwise control the rights to your Submission. You agree to indemnify Nispand Private Limited and its affiliates for all claims arising from or in connection with any claims to any rights in any Submission or any damages arising from any Submission. Links to third parties websites or resources The Services and App may contain links to third-party websites or resources. We provide these links only as a convenience and are not responsible for the content, products or services on or available from those websites or resources or links displayed on such websites. You acknowledge sole responsibility for and assume all risk arising from, your use of any third-party websites or resources. The information contained in the Services is for general information purposes only. While we endeavour to keep the information up-to-date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the Services or the information contained on the Services for any purpose. Any reliance you place on such information is therefore strictly at your own risk. Medical disclaimer Nispand Private Limited is a provider of online and mobile meditation, mindfulness, sleep and movement content in the health & wellness space. We are not a health care or medical device provider, nor should our Services be considered medical advice. Only your physician or other health care provider can do that. While there is third party evidence from research that meditation can assist in the prevention and recovery process for a wide array of conditions as well as in improving some performance and relationship issues, Nispand Private Limited makes no claims, representations or guarantees that the Services provide a physical or therapeutic benefit. Any health information and links on the Services, whether provided by NISPAND or by contract from outside providers, is provided simply for your convenience. To the extent that you participate in any movement content featured in the Services, you represent and warrant that you are in adequate physical health to perform such activities and have no disability or condition that would make such movement dangerous. You should consult a licensed physician prior to beginning or modifying any exercise program that you undertake, especially if you have a prior injury, a history of heart disease, high blood pressure, other chronic illness, or condition. You acknowledge that Nispand Private Limited has advised you of the necessity of doing so. Any advice or other materials in the Services are intended for general information purposes only. They are not intended to be relied upon and are not a substitute for professional medical advice based on your individual condition and circumstances. The advice and other materials we make available are intended to support the relationship between you and your healthcare providers and not replace it. We are not liable or responsible for any consequences of your having read or been told about such advice or other materials as you assume full responsibility for your decisions and actions. In particular, to the fullest extent permitted by law, we make no representation or warranties about the accuracy, completeness, or suitability for any purpose of the advice, other materials and information published as part of the Services. People with existing mental health conditions should speak with their health care providers before starting a meditation practice. NISPAND has incorporated certain frequencies for better healing and for Chakra such frequencies are only and only to support healing and should not be considered as an advice for medical reasons of whatsoever. End user license Subject to the terms of this license agreement (“License Agreement”), as set out in this section, and these other Terms, and your payment of applicable subscription fees, we grant you a limited, non-exclusive, revocable license to stream, download and make personal non-commercial use of the Services . The Services contain or embody copyrighted material, proprietary material or other intellectual property of Nispand Private Limited or its licensors. All right, title and ownership in the Services remain with Nispand Private Limited or its licensors, as applicable. The rights to download and use the Services are licensed to you and are not being sold to you, and you have no rights in them other than to use them in accordance with this License Agreement and our other Terms. You agree that you will not and you will not assist or permit any third party to: a. Copy, store, reproduce, transmit, modify, alter, reverse-engineer, emulate, de-compile, or disassemble the Services in any way, or create derivative works of the Services ; b. Use the Services or any part of them to create any tool or software product that can be used to create software applications of any nature whatsoever; c. Rent, lease, loan, make available to the public, sell or distribute the Services in whole or in part; d. Tamper with the Services or circumvent any technology used by NISPAND or its licensors to protect any content accessible through the Services; e. Circumvent any territorial restrictions applied to the Services; or f. Use the Services in a way that violates this License Agreement or the other Terms. You may not make the Services available to the public. The Services made available (in whole or in part) are owned by NISPAND or its licensors and your use of them must be in accordance with these Terms. Assignment By Nispand Private Limited Nispand Private Limited may transfer its rights and obligations under these Terms to any company, firm or person at any time if it does not materially affect your rights under it. You may not transfer your rights or obligations under these Terms to anyone else. These Terms are personal to you and no third party is entitled to benefit under these Terms except as set out here. Indemnity by you You agree to defend, indemnify and hold Nispand Private Limited and its directors, officers, members, investors, managers, employees and agents harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from your negligent, reckless, or wilful misuse of the Services , your placement or transmission of any message, content, information, software, or other submissions through the Services , any third-party claims of bodily injury, death, or damage to real or tangible personal property caused by your negligent or more culpable acts or omissions related to your use of the Services ; or your breach or violation of the law or of these Terms. Nispand Private Limited reserves the right, at its own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with NISPAND defence of such claim. Nispand is not responsible in case of app or website being hacked and the information on it is misused or abused Warranties and limitations a. This warranty gives you specific legal rights, and you may also have other rights which vary from state to state. b. We warrant to you that any Product purchased from us will, on delivery, conform in all material respects with its description and be of reasonably satisfactory quality. c. We warrant that we will use reasonable skill and care in making the Services available to you during your subscription.. d. Notwithstanding anything to the contrary, you assume full responsibility for your own use of the Services. In no event shall NISPAND be liable to you, your heirs, or assigns or to any third party for any loss, death, damage, or bodily injury that you suffer, or that you cause to any third party, in connection with your use of the Services or other activities you undertake in connection with your use of the Services , unless caused by Nispand’s gross negligence, recklessness, or wilful misconduct.. e. The Services and their content are otherwise provided on an “as is” basis and we make no representations or warranties of any kind with respect to them, including as to the accuracy, completeness or currency of the Services or their content. We assume no liability or responsibility for any errors or omissions in the content of the Services, or any failures, delays, or interruptions in the provision of the Services. We disclaim and exclude any express or implied warranties or representations, including any warranties as to merchantability or fitness for a particular purpose of the Services to the broadest extent permitted by law. We make no warranties or representations, express or implied, as to the timeliness, accuracy, quality, completeness or existence of the content and information posted on the Services. We make no warranties or representations, express or implied, for technical accessibility, fitness or flawlessness of the Services. We make no warranties or representations that your use of content and information posted on the Services will not infringe rights of third parties. f. All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity are, to the extent permitted by law, excluded. g. Performance of our services may defer based on the devices that you use to access our services. No waiver If we delay exercising or fail to exercise or enforce any right available to us under these Terms, such delay or failure does not constitute a waiver of that right or any other rights under these Terms. Force majeure We will not be liable to you for any lack of performance, or the unavailability or failure, of the Services, or for any failure or delay by us to comply with these Terms, where such lack, unavailability or failure arises from any cause beyond our reasonable control. Notices Unless otherwise specifically indicated, all notices given by you to us must be given to Nispand Private Limited at 301, MahaAnand CHS Ltd,Azad Road,Vileparle East,Mumbai 400057. We may give notice to you at the e-mail address you provide to us when you register. Notice will be deemed received and properly served immediately when posted on the Services or when an e-mail or other electronic communication is sent. In proving the service of any notice via email, it will be sufficient to prove that such e-mail was sent to the specified e-mail address of the addressee. Entire agreement These Terms and any document expressly referred to in them constitute the whole agreement between us and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us relating to their subject matter. We each acknowledge that neither of us relies on, or will have any remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not set out in these Terms or the documents referred to in them. Each of us agrees that our only liability in respect of those representations and warranties that are set out in this agreement (whether made innocently or negligently) will be for breach of contract. Nothing in this section limits or excludes any liability for fraud. Limitation of liability a. We will use reasonable endeavours to remedy faults in the Services. If we fail to comply with these Terms, your sole and exclusive remedies and our entire obligation and liability to you will in no circumstances exceed the actual amount paid by you for the Services in question. In addition, we will not be liable for: Faulty operation of computers during the registration process or during completion of a subscription or during the transmission of any data and/or for incorrect or overly slow transmission of data by the internet provider and/or any damage that occurs due to information submitted by you not being received by us or not being received promptly or not being considered, as a consequence of technical faults with our software or hardware (whether or not they are within or outside of our control). Any loss or damage due to viruses or other malicious software that may infect your Device, computer equipment, software, data or other property caused by you accessing, using or downloading from the Services , or from transmissions via emails or attachments received from us. Any use of websites linked to the Services but operated by third parties. b. To the fullest extent permitted by law, NISPAND and its affiliates, suppliers, clients or licensors (collectively, the “protected entities”) shall not be liable for any consequential, incidental, special, exemplary or punitive damages or losses, whether direct or indirect, arising from or directly or indirectly related to, the use of, or the inability to use, the services or the content, materials and functions related thereto, your provision of information via the services , or lost business or lost sales, or any errors, viruses or bugs contained in the services , even if such protected entity has been advised of the possibility of such damages. in no event shall the protected entities be liable for or in connection with any content posted, transmitted, exchanged or received by or on behalf of any user or other person or throughout the services . in no event shall the total aggregate liability of the protected entities to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence or otherwise) arising from these terms of use or your use of the services exceed, in the aggregate, the actual amount, if any, paid by you to NISPAND for your use of the services in question. c. Notwithstanding anything to the contrary, you assume full responsibility for your own use of the Services. In no event shall Nispand Private Limited be liable to you, your heirs, or assigns or to any third party for any loss, death, damage, or bodily injury that you suffer, or that you cause to any third party, in connection with your use of the Services or other activities you undertake in connection with your use of the Services . Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. Arbitration Any dispute arising out of the use of these Services shall be resolved as per the provisions of The Arbitration and Conciliation Act 1996. Jurisdiction. Courts in Mumbai, India shall have exclusive jurisdiction in case of any dispute arising out of the use of the Services. Severability. If any provision of these Terms is found unenforceable, then that provision will be severed from these Terms and not affect the validity and enforceability of any remaining provisions. These Terms are effective and were last updated on 12th, January,2022 Nispand Private Limited is located at 301, MahaAnand CHS Ltd,Azad Road,Vileparle East,Mumbai 400057.