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This Terms of Use Agreement (22.09.2004) is a binding contract
between you and Franklin Templeton Investments. It governs your
use of this website and all products, services, content, tools and
information available through the website. By using or accessing
this website, you accept and agree to be bound by these Terms of
Use. If you do not agree with the terms and conditions of the Terms
of Use Agreement, you are not granted permission to access or otherwise
use this website.
Acceptance of the Terms of Use and any Amendments
This Terms of Use Agreement (the "Terms of Use") states
the terms and conditions under which you may use this website and
all products, services, content, tools, and information available
through the website (referred to collectively as the "Site"
or the "Site Content"). Please read the Terms of
Use carefully. By accessing, browsing and/or using this
Site, you acknowledge that you have read, understood and agree to
be legally bound by the Terms of Use.
These Terms of Use are in addition to any other agreements between
you and us, including any customer or account agreements, and any
other agreements that govern your use of Franklin Templeton's or
any third party's (companies not affiliated with us) products, services,
content, tools, and information available on this Site.
Your use of this Site is governed by the version of the Terms of
Use in effect on the date this Site is accessed by you. We reserve
the right to change the Site and the Terms of Use at any time, without
notice. If you use the Site after the amended Terms of Use have
been posted, you will be deemed to have agreed to the Terms of Use,
as amended.
Site Sponsor
This Site is provided as a service, and for informational purposes
only, by Franklin Templeton Asset Management (India) Private Limited
(the AMC), and/or its affiliates that are the Franklin Templeton
Investments corporate group of companies (collectively, "Franklin
Templeton" or "Franklin Templeton Investments" or
"we" or "us") - it is not provided by the Templeton
Mutual Funds ("Fund(s)").
Information for Investors not authorised to
use this site
This Site is intended solely for the use of Resident Indian, Non-Resident
Indians, persons of Indian Origin and Foreign Institutional Investors
registered with the Securities and Exchange Board of India (SEBI).
only. If you do not fall under any of these categories, please visit
our international websites
link for assistance with products and services legally available
in your jurisdiction. Nothing on this Site shall be considered a
solicitation to buy or an offer to sell a security, or any other
product or service, to any person in any jurisdiction where such
solicitation, offer, purchase or sale would be unlawful under the
laws of that jurisdiction.
Authorised Use, Users and Online Account Access
Personal use. This Site is intended only for your personal,
non-commercial use, unless you and we have agreed otherwise in writing.
Indian Resident use only. This Site is intended solely for
the use of Resident Indian, Non-Resident Indians, persons of Indian
Origin and Foreign Institutional Investors registered with the Securities
and Exchange Board of India (SEBI). only. If you do not fall under
any of these categories, you alone shall be responsible and liable
for compliance and / or non-compliance of the laws of the jurisdiction
you are governed by. . Further, if you choose to access this Site
from locations outside of India, you do so at your own initiative
and risk, and are responsible for compliance with all applicable
laws. Any persons resident outside India who intend to utilise the
material on this site must first satisfy themselves that they are
not subject to any local requirements which restrict or prohibit
them from so doing.
Your online account access. If you maintain an account that
you access through this Site, you are solely responsible for maintaining
the confidentiality of your account and password (or Household Personal
Identification Number or HPIN) and for restricting access to your
computer. You agree to accept responsibility for all activities
occurring under your account or password that are due to your conduct,
inaction, or negligence. Notify us immediately if you become aware
of any disclosure, loss, theft or unauthorized use of your password.
Your use of this online facility shall be as required by us from
time to time, including, but not limited to signing of an agreement
in such form and manner as may be required by us.
No solicitations. Nothing on this Site shall be considered
a solicitation to buy or an offer to sell, or a recommendation for,
a security, or any other product or service, to any person in any
jurisdiction where such solicitation, offer, recommendation, purchase
or sale would be unlawful under the laws of that jurisdiction.
No investment recommendations or professional advice; use of
tools. This Site is not intended to provide any tax, legal,
insurance or investment advice, and nothing on the Site should be
construed as a recommendation, by us or any third party, to acquire
or dispose of any investment or security, or to engage in any investment
strategy or transaction. While certain tools available on the Site
may provide general investment or financial analyses based upon
your personalised input, such results are not to be construed as
our providing investment recommendations or advice. Unless otherwise
specified, you alone are solely responsible for determining whether
any investment, security or strategy or any other product or service,
is appropriate or suitable for you based on your investment objectives
and personal and financial situation. You should consult a legal
or tax professional regarding your specific legal or tax situation.
Information other than that relating specifically to Franklin Templeton
Asset Management India (Private) Limited, Templeton Mutual fund
and its products, is for information purposes only and should not
be relied upon as a basis for investment decisions. Franklin Templeton
Asset Management India (Private) Limited shall not be responsible
for any information contained in any website linked from this website.
Franklin Templeton makes no representations whatsoever about any
such website which the user may access through this site. Franklin
Templeton employs the best methods to keep the site updated and
to ensure accuracy of information/data on the site. However, the
information, products, and services included on this website may
include inaccuracies or typographical errors. Changes are periodically
added to the information herein. It is your responsibility to evaluate
the accuracy, completeness and usefulness of any opinions, advice,
services or other information provided.
All information contained on any page set up by Franklin Templeton
is distributed with the understanding that the authors, publishers
and distributors are not rendering legal, accounting or other professional
advice or opinions on specific facts or matters and accordingly
assume no liability whatsoever in connection with its use. Consult
your own legal or tax advisor with respect to your personal situation.
In no event shall Franklin Templeton and their related, affiliated
and subsidiary companies be liable for any direct, indirect, special,
incidental or consequential damages arising out of the use of the
information herein.
Prohibited Uses and Means of Access
Prohibited Uses. Because all servers have limited capacity
and are used by many people, you may not use the Site in any manner
that could damage or overburden any Franklin Templeton server, or
any network connected to any Franklin Templeton server. You may
not use the Site in any manner that would interfere with any other
party's use of the Site.
Means of Access. The Site is generally intended to be viewed
by a conventional web browser with a screen resolution of 800 by
600 pixels or greater, such as Netscape Navigator® 6.1 or Microsoft®
Internet Explorer® 5.5. Although you may use other means to
access the Site, be aware that the Site may not appear accurately
through other access methods, and you use them only at your own
risk. You are responsible for setting the cache settings on your
browser to ensure that you are receiving the most recent data. You
should not access the Site through devices or services that are
designed to provide high-speed, automated, repeated access, unless
such devices are approved by us.
Password protected areas. Access to and use of password-protected
and/or secure areas of the Site are restricted to authorized users
only. You may not obtain or attempt to obtain unauthorized access
to such parts of our Site, or to any other protected materials or
information, through any means not intentionally made available
by us for your specific use. Unauthorized individuals attempting
to access, or actually accessing, these areas can be subject to
criminal and/or civil prosecution.
Scheme Offer Document, Performance, and Investment
Risks
Prospectus Offer. For more information on any of our schemes
offered, contact any of our registered broker/agent/distributor
or directly to any of our branches or download an Offer Document,
which contains important information about a fund's investment objectives,
load, expenses and risk considerations. Please read the Offer Document
carefully before you invest or send money.
Risk Factors. All investments in mutual funds and securities
are subject to market risks and the NAV of the schemes may go up
or down depending upon the factors and forces affecting the securities
market including the fluctuations in the interest rates. There can
be no assurance that a scheme's investment objectives will be achieved.
The past performance of the mutual funds managed by the Franklin
Templeton Group and its affiliates is not necessarily indicative
of future performance of the schemes. The above are only the names
of the schemes and do not in any manner indicate the quality of
the schemes, their future prospects or returns. The Mutual Fund
is not guaranteeing or assuring any dividend or returns under any
of the schemes. All dividend distributions are subject to the investment
performance of the schemes. The investments made by the schemes
are subject to external risks. The floating rate investments are
subject to risks pertaining to Interest rate movement, Spread Movement,
Settlement and Liquidity. The expenses of the Fund of Funds Scheme
are over and above the expenses charged by the underlying schemes.
Privacy, Personal Information Transmission,
Unsolicited Communications and Usage Monitoring
Privacy policy. For individual shareholders of our India
based Funds, please see our Privacy Policy for
a summary of the non-public personal information that we may collect
and maintain about current or former investors; our policy regarding
the use of that information; and the measures we take to safeguard
the information.
Personal Information Transmission. Your use of the Site may
involve the transmission of information, including personally identifiable
data, about you. You consent to the transmission of such information
by electronic means through the Internet and represent that such
consent shall be effective each time you use the Site.
Unsolicited communications. We welcome your feedback about
this Site and may use it to improve the Site. Should you provide
unsolicited ideas, or material of any kind ("Communications")
and we use it to develop or market products, services, content,
tools or information, you agree that we can do so without compensating
you or being liable to you in any manner whatsoever. By providing
us with such Communications, you represent to us that you own all
rights to it.
Technically this means that you hereby grant Franklin Templeton
a perpetual, worldwide, royalty-free, irrevocable license to edit,
reproduce, disclose, transmit, publish, broadcast, or post your
Communications either on the Site or elsewhere with no liability
or obligation to you. Franklin Templeton is free to use any ideas,
concepts, know-how, or techniques obtained in your unsolicited Communications
for any purpose including, but not limited to, developing and marketing
products. Unless we state otherwise on the Site or in our Privacy
Policy, any Communications that you e-mail or otherwise
transmit through the Site can be treated by us as non-confidential
and non-proprietary.
Usage monitoring. We reserve the right, but do not have the
obligation, to access, archive, or monitor any use of this Site,
or your use of this Site and your Communications. By using the Site,
you accept our right to access, archive, or monitor usage to ensure
service quality, or to evaluate the Site, the security of the Site,
compliance with these Terms of Use, or for any other reason. You
agree that our monitoring activities will not entitle you to any
cause of action or other right with respect to the manner in which
we monitor your Site usage and enforce, or fail to enforce, these
Terms of Use. You further agree that in no event will Franklin Templeton
be liable for any damages incurred by you as a result of our usage
monitoring
Copyright, Trademark and other Intellectual
Property Rights
You acknowledge that this Site is protected by applicable copyrights,
trademarks, trade secrets, patents, proprietary rights and other
intellectual property laws, and that these worldwide rights are
valid and protected in all forms, media, and technologies existing
now or developed in the future. Accordingly, you may not copy, distribute,
modify, post or frame-in the Site, including any text, graphics,
video, audio, software code, user interface design or logos, except
as explicitly authorized below or by us in writing.
Permitted uses. Franklin Templeton grants you a non-exclusive,
personal, non-transferable, non-sublicensable, limited and revocable
right to access, use and display this Site on any computers or other
electronic display device of which you are a user, for your
personal and non-commercial use only (the "Permitted
Uses"). You agree to use the Site only for lawful purposes,
for the Permitted Uses, and not for the Prohibited Uses. No other
use of the Site is authorised unless you and we have agreed otherwise
in writing.
You may print copies of the Site's Content, provided that these
copies are made only for the Permitted Uses and that you include
any notices and any legal information contained in the Site Content,
such as all copyright notices, trademark legends, or other proprietary
rights notices as well as all legal caveats furnished in the footnotes
or under "Important Legal Information" as shown on the
screen or through a link. Limited linking to the Site is permitted
if done in full compliance with all applicable laws, these Terms
of Use, our Linking Policy and our Logo
Use Policy.
Prohibited uses. You are prohibited from any use of the Site
that would give rise to liability or otherwise violate any applicable
laws or regulations or the Terms of Use. You may not publicly perform,
publicly display, transmit, publish, participate in the sale or
transfer of, modify, or create derivative works based on anything
available through the Site, in whole or in part. You shall not store
electronically any significant portion of any part of the Site.
No reverse engineering, linking, framing, or modification of any
part of this Site is allowed without our written approval. Any modification
or unauthorized use is a violation of Franklin Templeton's copyrights
and other proprietary rights.
This website may contain one or more of the following interactive
services: bulletin boards, chat areas, news groups, forums, and/or
other message or communication facilities. You agree to use such
services only to send and receive messages and material that are
proper and related to the particular service, area, group, forum,
or other message or communication facility. In addition to any other
terms or conditions of use of any bulletin board services, chat
areas, news groups, forums, and/or other message or communication
facilities,
you agree that when using one, you will not:
- Upload files that contain software or other material protected
by intellectual property laws or by rights of privacy of publicity
unless you own or control such rights or have received all necessary
consents.
- Upload files that contain viruses, corrupted files, or any
other similar software or programs that may damage the operation
of another's computer.
- Defame, abuse, harass, stalk, threaten or otherwise violate
the legal rights (such as rights of privacy and publicity) of
others.
Franklin Templeton has no obligation to monitor the bulletin board
services, chat areas, news groups, forums, and/or other message or
communication facilities. However, Franklin Templeton reserves the
right at all times to disclose any information deemed necessary to
satisfy any applicable law, regulation, legal process or governmental
request, or to edit, refuse to post or to remove any information or
materials, in whole or in part.
Trademarks and copyrights. Our trademarks are listed in Franklin
Templeton Trademarks. Other company product and service names
and logos used and displayed on this Site may be trademarks or service
marks owned by others. Nothing on this Site should be construed as
granting any license or right to use any of the Franklin Templeton
Trademarks or other trademarks displayed on this Site without the
prior written permission in each instance of Franklin Templeton and/or
the owner(s) of such other trademarks. All goodwill generated from
the use of the Franklin Templeton Trademarks on any website will inure
to our benefit.
The Site also contains text, software, graphics, images, and other
material protected by copyrights or other proprietary rights and laws
(collectively, the "Proprietary Material"), owned by Franklin
Templeton or its licensors. Any use of such Proprietary Material other
than as permitted herein is expressly prohibited without the prior
permission of Franklin Templeton and/or the relevant rights holder
in writing.
Copyright Policy. We reserve the right to remove from our Site,
any content that is alleged to infringe someone's copyright.
Franklin Templeton Linking and Logo Use Policies. Use of Franklin
Templeton logos or creating hyperlinks to our website is prohibited
unless authorized by us in writing. Please read our Linking
Policy and our Logo Use Policy below for further
detailsYou may, however, create a link to our website that includes
our logo as long as you accept and follow our Linking
Policy and Logo Use Policy and such link, including
logo, is for your personal and non-commercial use (unless we have
agreed to other terms in writing).
We are granting a limited, revocable, nonexclusive and nonexclusive
right to create a hyperlink to this Site under these policies, and
we may revise the Linking or the Logo Use Policies, or withdraw these
permissions or your permission at any time, without prior notice.
Linking Policy
To be an authorized link, a website that links to this Site:
- May link only to the home page of Franklin Templeton's public
site (http://www.franklintempletonindia.com)
- Must not "frame" or create a browser or border environment
or advertising around any Franklin Templeton Site Content.
- Must not misrepresent its relationship with Franklin Templeton
(including suggesting that Franklin Templeton is sponsoring, endorsing,
or affiliated with it or its products and services).
- Must not present false information about, or disparage, Franklin
Templeton, its products or services, or otherwise tarnish or diminish
the goodwill in its name.
- Must not contain content that could be construed as illegal,
distasteful, offensive or controversial, and should contain only
content that is appropriate for all its authorized users.
- Must only use the Franklin Templeton logo with written permission
or in compliance with these Policies.
- The following sentences about Franklin Templeton's websites
may be used on your website in connection with the authorized
link. If used, it must not be altered in any way:
Public site link:
"Visit www.franklintempletonindia.com,
home of Franklin Templeton Mutual Funds."
- The link must be a Permitted Use (see Copyright,
Trademark and other Intellectual Property Rights) and comply
with all applicable laws and our website's Terms of Use.
Logo Use Policy A Franklin Templeton
logo used by a third party on the Internet in connection with an Authorized
Link:
- Must be used solely for the purpose of providing an Authorized
Link to the Franklin Templeton site.
- Must be the Franklin Templeton logo approved for this purpose,
and provided below in this section.
- Must not be altered in any way.
Instructions for downloading a Franklin Templeton logo in connection
with an authorized link:
Highlight the image. When the menu pops up, select "Save this image
as" and save it to your desktop or other appropriate file.
Third Party Content Providers, Sites, Referrals,
and Disclaimers
Conditions may apply to third party content. Some of the products,
services, content, including advertisements, tools, and information
available through the Site may be provided by companies that are not
affiliated with Franklin Templeton ("Third Party Content")
and their source is clearly identified. In some cases, the Third Party
Content may be framed-in on the Franklin Templeton Site or available
through a link to a third party site. In the case of Third Party Content,
there may be additional restrictions that apply to its use. You should
be careful to examine them (for example, in accompanying statements
or caveats or their posted terms of use) because they may be more
restrictive than the restrictions Franklin Templeton imposes on our
own, proprietary Site Content. Third Party Content providers may have
reserved a right to modify the restrictions they impose on use of
their content without notice. As with our Site's Terms of Use, use
of Third Party Content after a change in the posted restrictions relating
to that content will constitute acceptance of those changes.
Not responsible for Third Party Content, referrals or links to
third parties or third party sites. For informational or educational
purposes, or as a service and convenience to you, this Site may provide
referral information, Third Party Content or live links to a regulatory
agency, non-governmental organization, or other unaffiliated third
party and their websites, including companies that have a relationship
with Franklin Templeton.
Our decision to provide referral information to a third party or to
pass on an offer made by a third party vendor or to provide a link
from our Site to a third party site is not an endorsement of
the third party, their products or services, or their website
accessed through any such links. While we would generally only provide
such information from, or links to, sources considered reliable, we
do not have the resources to conduct independent investigations and
accordingly we make no representations or warranties as to third party
products, services, content, tools and information, and do not guarantee
their accuracy, timeliness, completeness or usefulness. We advise
and encourage you to do your own research. You will use
Third Party Content only at your own risk.
Although Third Party Content may be displayed, framed-in or provided
in a pop-up box on the Site, or available through a live link from
our Site to a third party site, Franklin Templeton does not prepare,
edit, guarantee or endorse Third Party Content. By clicking on a link
from our Site to any third party site, you will leave this Site (even
if, for your convenience, a second browser window is opened). When
viewing Third Party Content through such a link, keep in mind that
the third party's site terms and conditions, privacy and security
policies, or other legal information may be different from those of
Franklin Templeton's Site. We are not liable for any direct or indirect
technical or system issues, consequences, or damages arising from
your use of any third party website. WE ARE NOT RESPONSIBLE FOR
ANY THIRD PARTY, THEIR PRODUCTS OR SERVICES, THEIR WEBSITE, OR ANY
CONTENT MADE AVAILABLE THROUGH SUCH THIRD PARTY SITES, NOR DO WE MAKE
ANY WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING THIRD
PARTY CONTENT (OR ITS ACCURACY) ON ANY THIRD PARTY SITES, AND WE SHALL
HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE
FOREGOING.
Disclaimers
DISCLAIMER OF WARRANTIES. YOU ACKNOWLEDGE AND AGREE THAT THIS SITE
IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
NONE OF FRANKLIN TEMPLETON, ITS AFFILIATES OR THEIR RESPECTIVE OFFICERS,
DIRECTORS, EMPLOYEES OR AGENTS (COLLECTIVELY, THE "FRANKLIN TEMPLETON
PARTIES") GUARANTEES THE TIMELINESS, ACCURACY, RELIABILITY, COMPLETENESS,
OR USEFULNESS OF ANY OF THE SITE. NONE OF THE FRANKLIN TEMPLETON PARTIES
WARRANT THAT THIS SITE OR DOWNLOADS WILL MEET YOUR NEEDS OR EXPECTATIONS,
OR BE UNINTERRUPTED, SECURE OR ERROR FREE OR THAT THIS SITE, ITS SERVER
OR ANY FILES AVAILABLE FOR DOWNLOADING THROUGH THIS SITE ARE FREE
OF COMPUTER VIRUSES OR OTHER HARMFUL ELEMENTS. THE FRANKLIN TEMPLETON
PARTIES HAVE NO RESPONSIBILITY FOR VIRUSES OR ANY OTHER DAMAGE THAT
MAY BE CAUSED TO YOU AS A RESULT OF USING THIS SITE. PERIODS OF VOLATILE
OR UNUSUAL MARKET ACTIVITY, IN PARTICULAR, MAY AFFECT SYSTEMS AVAILABILITY
OR RESPONSE TIME.
YOU EXPRESSLY AGREE THAT THE ENTIRE RISK AS TO THE QUALITY AND
PERFORMANCE OF THIS SITE AND THE TIMELINESS, USEFULNESS, ACCURACY
OR COMPLETENESS OF THE SITE IS ASSUMED SOLELY BY YOU. ALL OF THE FRANKLIN
TEMPLETON PARTIES HEREBY SPECIFICALLY DISCLAIM ANY REPRESENTATIONS,
ENDORSEMENTS, GUARANTEES, OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING
THIS SITE, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT
OF THIRD-PARTY RIGHTS. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING,
ALL OF THE FRANKLIN TEMPLETON PARTIES DISCLAIM ANY WARRANTIES WITH
RESPECT TO ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE.
You are responsible for your connectivity. You agree that you
are responsible for the means you use to access the Site and understand
that your hardware, software, the Internet, your Internet Service
Provider, and other third parties involved in connecting you to our
Site may not perform as intended or desired.
Not responsible for third party damages. Franklin Templeton
also disclaims responsibility for damages third parties may cause
to you through the use of this Site, whether intentional or unintentional.
For example, you understand that hackers could breach our security
procedures, and that Franklin Templeton will not be responsible for
any related damages.
No reliance on Data. Reasonable precautions have been taken
to ensure that Site Content, including account information and pricing
data, are complete and accurate. However, due to the nature of information
delivery technology and the necessity of using multiple data sources,
including Third Party Content, we are unable to assure the accuracy
of the data you access through this Site. Site Content is presented
only as of the date published or indicated and may be superseded by
subsequent market events or other reasons. Franklin Templeton has
no duty to update this Site or any Site Content. WE SHALL NOT BE
LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES ARISING FROM ANY
ACTIONS OR INVESTMENT DECISIONS TAKEN BY YOU BASED ON THE ACCURACY
OF THE DATA PRESENTED THROUGH THIS SITE.
Cautions about future or "forward-looking" statements.
Speculation or stated beliefs about future events, such as market
and economic conditions, company or security performance, upcoming
product offerings or other projections involve risks and uncertainties.
General business, market, economic and political conditions could
cause actual results to differ materially from what we presently anticipate
or project.
Internet email. We discourage you from using e-mail for sending
confidential or sensitive information. If you send e-mail (encrypted
or not) to us over the Internet, you are accepting the associated
risks of lack of confidentiality.
Limitation of Liability
YOUR SOLE REMEDY FOR DISSATISFACTION WITH YOUR USE OF OUR SITE
IS TO STOP USING THE SITE. YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL
THE FRANKLIN TEMPLETON PARTIES BE LIABLE FOR ANY DAMAGES, WHETHER
DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR
EXEMPLARY DAMAGES (COLLECTIVELY, THE "EXCLUDED DAMAGES"),
ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF OR INABILITY
TO USE THIS SITE, INCLUDING BUT NOT LIMITED TO: LOSS OF REVENUE, TRADING
LOSSES, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA;
ANY FAILURE OF PERFORMANCE, DENIAL OF SERVICE, ATTACK, INTERRUPTION,
DEFECT, OPERATOR ERRORS, INCONVENIENCE OR DELAY IN OPERATION OR TRANSMISSION
OR COMPUTER VIRUS; FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR
COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET);, SEVERE
OR EXTRADODINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT
OF GOD); FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOUR DISPUTE
AND OTHER LABOUR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT;
OR THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION
OR USE OF YOUR INFORMATION, EQUIPMENT OR PROPERTY, EVEN IF THE FRANKLIN
TEMPLETON PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD
HAVE FORESEEN THE EXCLUDED DAMAGES. FURTHER, THE FRANKLIN TEMPLETON
PARTIES WILL NOT BE RESPONSIBLE FOR ANY FAILURE TO COMPLY, BY YOU
OR ANY THIRD PARTY, WITH THESE TERMS OR WITH APPLICABLE CENTRAL, STATE
AND LOCAL LAWS.
THESE LIMITATIONS OF LIABILITY WILL APPLY REGARDLESS OF: (I) ANY NEGLIGENCE
OR GROSS NEGLIGENCE OF ANY FRANKLIN TEMPLETON PARTY OR (II) WHETHER
THE LIABILITY SOUNDS IN NEGLIGENCE, STRICT LIABILITY, CONTRACT, TORT
(INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LEGAL LIABILITY; AND
WILL REMAIN IN EFFECT EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
Indemnification
You agree that the use of the Site is not a secure method of transmitting
information, and that the risk of any loss of information or interception
of information by any third party will be borne by you and that Franklin
Templeton shall not be liable for the same. Franklin Templeton, Templeton
Mutual Fund, the AMC, the Trustee Company of Templeton Mutual Fund,
along with its directors, employees, agents, executors, successors
and assigns shall not be liable for any damages or injuries arising
out of or in connection with the use of the Website or its non-use
including non-availability or failure of performance, loss or corruption
of data, loss of or damage to property (including profit and goodwill),
work stoppage, computer failure or malfunctioning, or interruption
of business; error, omission, interruption, deletion, defect, delay
in operation or transmission, communication line failure or for any
failure to act upon Instructions or to provide any facility for any
cause that is beyond Franklin Templeton control. Although Franklin
Templeton agrees to take best efforts to protect security of the data
placed on the Internet, Franklin Templeton shall not be liable at
all for any computer virus, misuse if any, of any data placed on the
Internet, by third parties "hacking" or unauthorised access,
transactions or use of information. You will at all times indemnify
Franklin Templeton, Templeton Mutual Fund, the AMC, the Trustee Company
of Templeton Mutual Fund, along with its directors, officers, employees,
successors and assigns from and against all actions, proceedings,
claims and demands whatsoever for or on account of or in relation
to any use of the Site and from and against all damages, costs, charges
and expenses in respect thereof, unless the same is caused by gross
negligence, bad faith or wilful default on the part of Franklin Templeton.
Governing Law, Forum, Severability, and Miscellaneous
Failure by Franklin Templeton to enforce any provision(s) of these
Terms of Use shall not be construed as a waiver of any provision or
right. This Site is controlled and operated by Franklin Templeton
from its offices within California in the United States of America.
The laws of the State of California govern these Terms. If you take
legal action relating to these Terms, you agree to file such action
only in the state courts of the City and County of San Mateo, California,
or the United States District Court for the Northern District of California,
and you consent and submit to the personal jurisdiction of those courts
for the purposes of litigating any such action.
If any provision of these Terms of Use is deemed
unlawful, void, or for any reason unenforceable, the remaining provisions
shall be enforced to the fullest extent possible, and the remaining
provisions shall remain in full force and effect.
You shall comply with all laws, rules and regulations
by any governmental authority or agency which govern or apply to
the operation and use of the Site. Without limiting the foregoing,
you agree to comply with such restrictions and not to export or
re-export any of the Site to countries or persons prohibited under
the export control laws of the United States. These Terms of Use
inures to the benefit of Franklin Templeton, its successors and
assigns. You may not assign the Terms of Use. No waiver shall be
effective unless in writing. All rights not expressly granted herein
are reserved by Franklin Templeton.
Termination You acknowledge
and agree that Franklin Templeton may restrict, suspend or terminate
the Terms of Use or your access to, and use, of the all or any part
of Site, including any links to third-party sites, at any time,
with or without cause, including but not limited to any breach of
the Terms of Use, in Franklin Templeton's absolute discretion and
without prior notice or liability. The relevant version of the Terms
of Use shall continue to apply to all prior use of the Site. The
following paragraphs of this Terms of Use shall survive termination
of your use or access to the Site: paragraphs concerning Indemnification,
Disclaimers, Limitations of Liability, Termination and General Provisions,
and any other provision that by its terms survives termination of
your use of or access to the Site.
PRIVACY STATEMENT
To ensure service quality and to serve our customers better, Franklin
Templeton expressly reserves the right to access, archive, or monitor
any use of this website.
Privacy Policy
We respect your privacy and value the trust you place in us when
you share your personal information with us. The way we may use
your personal information is discussed in our official privacy notice.
Having said that, we know you might have some additional questions
about privacy on the Web.
First, we'll talk about privacy as it relates to using this website.
Then, we'll cover the broader privacy issues concerning a mutual
fund shareholder's relationship with our company as a whole. If
you want to skip the Web-related privacy issues, you can jump ahead
and read our official Mutual Fund Privacy Notice.
Web-Related Privacy Issues
How we use information provided on the Web
Your email address. We collect your email address when you
register for account access. If we need to contact you about transactions
or account activity on the site, your email address lets us do that
quickly. If you sign up for electronic delivery of documents, we'll
need your email address for that, too. Both of these services require
that you maintain an updated email address with us.
Even if you're not registered for account access, we may need to
ask for your email address. For instance, if you ask for a referral
to a financial advisor or subscribe to our email newsletter, we'll
need your email address to respond to your requests.
We won't send emails you haven't asked for unless there's a good
reason. If you don't want to receive these emails, use the opt-out
link at the bottom of the email.
Survey information. Occasionally we may ask you to participate
in a brief survey to help us make smart choices as we look for ways
to improve the site. If you choose to participate, information you
provide won't be identified with you personally.
Personal data entered in calculators. When you use calculators
and planning tools on the site, you may need to enter information
such as your age or even certain dollar amounts like how much you
save each month.
We don't collect or store this kind of information. It's only used
to perform the calculation you're asking for.
Our Mutual Fund Privacy Notice
Your Privacy Is Our Priority. Franklin Templeton Investments
is committed to safeguarding information provided to us by individual
Unitholders of Franklin Templeton Funds. This notice is designed
to provide you with a summary of the non-public personal information
we may collect and maintain about current or former investors; our
policy regarding the use of that information; and the measures we
take to safeguard the information. The Franklin Templeton Funds
do not sell non-public personal information to anyone and only share
it as described in this notice.
Information We Collect. When you invest in Franklin Templeton
Funds, you provide us with your non-public personal information.
We collect and use this information to service your accounts and
respond to your requests. The non-public personal information we
collect falls into the following categories:
- Information we receive from you on applications or other forms,
whether we receive the form in writing or electronically. For
example, this information includes your name, address, tax identification
number, birth date, investment selection, beneficiary information,
and possibly your personal bank account information and/or email
address if you are signing up for certain account options.
- Information about your transactions and account history with
us, or with other companies that are part of Franklin Templeton
Investments, including transactions you request on our website.
This category also includes your communications to us concerning
your investments.
- Other general information that we may obtain about you such
as demographic information.
Disclosure Policy. To better service your accounts and provide
you with more choices, we may share non-public personal information
with other Franklin Templeton Investments' companies such as investment
advisors, the distributor of our mutual funds, and financial service
providers offering banking, trust, and custodial products and services.
We will only share non-public personal information with outside parties
in the limited circumstances permitted by law. For example, this includes
situations where we need to share information with companies who work
on our behalf to service or maintain your account or process transactions
you've requested, when the disclosure is to a party representing you,
or when required by law (for example, in response to legal process).
Additionally, we will ensure that any outside companies assisting
us in marketing our products and services, or with whom we have joint
marketing agreements, are under contractual obligations to protect
the confidentiality of your information, and to use it only to provide
the services we've asked them to perform.
Confidentiality and Security. Our employees are required to
follow procedures with respect to maintaining the confidentiality
of our investors' non-public personal information. Additionally, we
maintain physical, electronic, and procedural safeguards to protect
the information. This includes performing ongoing evaluations of our
systems containing investor information and making changes when appropriate.
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