Terms and Conditions of Service

Please read the Terms and Conditions of Service, before you start using the website. Your use of the website implies you have read and accepted ValuePickr.com Terms and Conditions of Service.


ValuePickr.com Terms and Conditions of Service

Welcome to ValuePickr.com! We hope you’ll enjoy our product offerings – such as the Stock Screener, our Discussion Boards, our Investment Guru articles, and whatever else we come up with (each a “Service,” and collectively, the “Services”). But first things first: By using the Services, you’re agreeing to be bound by these Terms and Conditions. If you don’t wish to be bound by what we’ve written below, you shouldn’t register with ValuePickr.com, or use the Services we provide. We may change these terms at any time, but we will post a notice on this website of any material changes. Your continued use of ValuePickr.com and its Services means that you accept any new or modified terms and conditions. So please check back here from time to time.

Services, are works in progress. We reserve the right to change or even eliminate them with no notice, at our sole discretion.

1. Registration

Except as expressly provided in these Terms and Conditions, members may only maintain one active registration with ValuePickr. In other words, it’s one registration per person. Any use of multiple accounts or aliases on our Services, including attempts to mislead, defraud, confuse or otherwise trick us or our members, is a breach of these Terms and Conditions.

When registering with us, you will be asked to create a password, which you’ll need to access the Service. In order to post a message on the discussion boards, you’ll also be required to choose a user name.

As a registered user, you can update your account settings, including your email address, by going to the “MyFolder” tab up top. There, you can also change your password at any time. Also, if you forget your password, you can use the Lost Password form to request resetting your password.

2. Intellectual Property

All of the Content on our websites and any Service we provide is protected by Indian and international copyright laws and is the property of ValuePickr.com and/or providers of the content under license. By “Content” we mean any information, mode of expression, or other materials and services found on ValuePickr.com. This includes the stock screener, stock screener reports, discussion boards, charts, software, our articles and writings, graphics, and any and all other features.

You may make one copy of the Content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice: ” © Copyright 2010 ValuePickr.com. All rights reserved.” Any other copying, distribution, storing, or transmission of any kind, or any commercial use of our Content, is prohibited without ValuePickr.com’s prior written permission. That means you may not sell, auction, transfer or barter your subscription or any individual publication. You also may not republish, post, transmit or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets or anywhere else without our consent. You further agree not to create abstracts from or scrape our Content, for use on another website or service. Aside from opening yourself up to liability, distributing our premium Services to other sites and forums is unfair to our members. So please don’t do it.

Please note that notwithstanding the foregoing, when you post content (such as a message-board post), you are not somehow surrendering your copyright in your expression. By posting content, you agree that ValuePickr.com has an unlimited and perpetual license to republish anything you post on our websites, but aside from that, you retain the right to use your words however you want. If you don’t want us to republish your words, then please don’t post them on our websites. We’ll only republish your post in context, and we’ll credit you (under your user name) as author (unless we’re using small quotations). We won’t republish your posts in advertising without your permission.

You agree not to display any of ValuePickr.com’s trademarks or use them in any manner without our express written permission. You can find the list of our trademarks here.

3. Conduct

ValuePickr.com champions active and open debate among our members. All we ask is that it’s done in a lawful and civil manner — be it posting on our boards, commenting on blogs or articles or stock screener, or using our system to contact a fellow member in any way. Accordingly, you agree to use ValuePickr.com for lawful purposes only. You may not use or allow others to use your ValuePickr.com membership to:

  • Post or transmit any content that is disruptive, uncivil, abusive, vulgar, profane, obscene, hateful, fraudulent, threatening, harassing, defamatory, or which discloses private or personal matters concerning any person;
  • Post or transmit any material that you don’t have the right to transmit under law (such as copyrights, trade secrets, or securities) or under contractual or fiduciary relationships (such as nondisclosure agreements);
  • Post, transmit, or link to sexually explicit material;
  • Impersonate any person, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  • Post or transmit any advertising, promotional materials, or other forms of solicitation, including chain letters and pyramid schemes;
  • Violate any applicable law or regulation while accessing and using our sites, including, without limitation, the rules and regulations of the Securities and Exchange Board of India and the national or other securities exchanges (especially and including the rule against making false or misleading statements to manipulate the price of any security);
  • Offer, sell, or buy any security;
  • Post or transmit any file that contains viruses, corrupted files, “Trojan Horses,” or any other contaminating or destructive features that may damage someone’s computer;
  • Forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through our sites or to manipulate your presence on our site;
  • Use any automated means, including without limitation, agents, robots, scripts, or spiders, to scrape, access, monitor, copy or harvest data from any part of our site;
  • Take any action that imposes an unreasonably or disproportionately large load on our infrastructure or disrupts the functioning of our systems or Services; and
  • Take any action that damages or disrupts the functioning of our systems or Services.

Unauthorized access of our sites is a breach of these Terms and Conditions and a violation of the law. You agree not to access our sites by any means other than through the interfaces we provide for use in our accessing our sites.

ValuePickr.com may at any time, without prior notice and at our sole discretion, remove any stock screen, message board post, terminate any membership, or take any action for violating the above provisions or otherwise taking an action disruptive to a Service.

You are responsible for statements made and actions taken through the use of your password, so please maintain the confidentiality of your password. You agree to immediately notify ValuePickr.com of any actual or suspected unauthorized use of your username and password. We will not be responsible for any loss to you arising from unauthorized use of your data.

If you see something that you feel is a violation of ValuePickr.com Terms and Conditions of Service, please notify ValuePickr.com.

4. Disclaimer of Warranties and Liabilities

Please read ValuePickr.com’s Disclaimer, which is incorporated herein by reference.

We’re not investment advisors and we cannot provide personalized advice. We can’t know all the relevant facts about you and your individual needs, and we cannot claim or represent that any particular Services are suitable for you. If you want personal advice, then you should seek a registered investment advisor.

ValuePickr.com does not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. ValuePickr.com makes no promises that our content or any of the Services will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, we’re not making any promises or warranties except that we’ll do our best to provide interesting and helpful information and education. Other than that, we reserve the right to be wrong, or even stupid.

Now what does all this mean? It means that you agree that under no circumstances will ValuePickr.com, its employees, or its agents be liable for direct, indirect, incidental or any other type of damages resulting from your use or downloading of any material on our site, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by stuff beyond our control in creating or delivering any of our Services.

One of the principal tenets here at ValuePickr.com is that the best person to handle your finances is you. By your use of our Services, you’re agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that ValuePickr.com, its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services. ValuePickr.com relies on various sources of data and information that we believe to be accurate and reliable. There are also many contributors here -most, we believe, with incredibly interesting and insightful information and opinions to share. But we can’t and won’t take responsibility for, or make any claims or representations about, the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our Services. Remember: All information and content provided on or by ValuePickr.com is to be used on an “as is, with all faults, we’re not perfect” basis.

Obligatory Capitalized Disclaimers of Liability:


5. Communication

Laws may require that we notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon our posting them on our websites or sending them to you via email (another reason to please keep your account settings current). If you do not provide us with accurate information, we cannot be held liable if we fail to notify you.

6. Everything Else

If any provision in this Agreement is found to be invalid, unenforceable, or nonsensical, the remaining provisions will continue in full force and effect. This Agreement is and always will be governed by the laws of India.You agree that the proper forum for any claim arising under this Agreement will be the Courts at Bangalore, India.

Our Services are directed at a Indian audience. We cannot warrant that the Services are appropriate for users outside India or that use of the Services is permitted under the laws of other jurisdictions. All personal data is maintained under the terms of our Privacy Policy, which is also incorporated by reference.

These Terms and Conditions, including those that are incorporated by reference, constitute the entire and only agreement between you and ValuePickr.com and govern your use of our site.

Last Updated: December 07, 2009


Important! Please give the disclaimer statement a thorough read. Understand what we are here for, what we aren’t responsible for, and what we are.


ValuePickr.com Disclaimer

What Is ValuePickr.com?

ValuePickr.com was founded in 2009 by a few of us passionate ValuePickrs. Our name and guiding principles are derived from the old proverb “Separating the Wheat from the Chaff”. There is such an information (and mis-information) overload in our financial markets, that it’s imperative that we separate the Good, the Bad and the Ugly. We passionately believe it’s possible to do that, and ValuePickr will always be dedicated to that mission.

Separating the Wheat from the Chaff!

Yes, that’s what ValuePickr stands for. The stark truth is that the financial world preys on ignorance and fear. But now, dear reader, you’ve set your feet on ValuePickr soil and your days of confusion, fear and intimidation are over. We exist to serve you, to share and learn with you, and to grow all along the way. ValuePickr.com is a highly collaborative place, and together we will make sense of and discriminate between what is excellent, and what is probably not worth a second glance! We do have a few rules of the road. What follows is a disclaimer that the lawyers made us write, but one that’s aimed to protect you as much as it does our humble enterprise.

ValuePickr.com Disclaimer: Watching Out For Your Money

ValuePickr.com is designed to help readers obtain financial information and discuss ways to make investment and personal financial decisions. This information is sometimes provided by our staff and sometimes by other contributors, many of whom use anonymous screen names and are people we’ve never met.

We recognize that while we may have tons of great stuff on this platform, people sometimes post messages in our folders or make statements that are misleading, deceptive, or downright wrong. They may do this unintentionally or, sad to say, intentionally. The Securities and Exchange Board of India and Ministry of Corporate Affairs, Government of India recognizes this and maintain useful websites at http://www.sebi.gov.in/ and http://www.watchoutinvestors.com/ respectively.

Treat the contributors here the same way you’d treat anyone you’d met for the first time at a party. This is important because anyone can show up to our party: no invitations are required. You shouldn’t make an investment just because some stranger (or even a friend) talks it up; you shouldn’t treat cyberspace any differently.

The fundamental concept is that you should NOT rely upon the information or opinions you read. Rather, you should use what you read here as starting points for doing independent research on companies and investing techniques. Then judge for yourself the merits of the material that has been shared in our site.

ValuePickr.com does not guarantee the veracity, reliability or completeness of any information provided in our site or in any hyperlink appearing on our site. No one could read through the many messages we receive each day, check out all the hyperlinked web sites, and research each one for accuracy. That isn’t why we’re here. Nor are we here to give you hot “tips,” to make “buy” or “sell” recommendations, or to tell you what to do with your money. We’re here to help you to learn how to make investment and personal finance decisions for yourself, and to grow along the way.

You are responsible for your own investment decisions. ValuePickr.com will not be responsible for any errors or omissions in articles or postings, for screener reports, for hyperlinks embedded in messages, or for any results obtained from the use of such information. ValuePickr.com will not be liable for any loss or damage caused by a reader’s reliance on information obtained in our area, or in a hyperlinked area. If you don’t accept this responsibility for yourself, then you should not use ValuePickr.com.

If you ignore our advice to do independent research of industries, companies, and stocks, choosing instead to trade solely on information, “tips,” or opinions found in our site, you have made a conscious, willing, free, and personal decision to do so. You have also probably made a mistake.

As cyberspace developed, the freedom and openness from which we all profit is making us the target of touts, hypesters, and frauds too. These people could infect our investing platform, just as they infect other parts of the world. Please proceed with caution and do your homework. And remember: when you access one of these hyperlinked web sites, you’re leaving our area so be wary of those who post hyperlinks to strange web sites.

Data and Analysis

In the material and data that we make available in our investing platform, we rely on a wide variety of sources. We believe these sources of data to be accurate and reliable, but sometimes they may not be. ValuePickr.com makes no claims or representations as to the accuracy, completeness, or truth of any material contained in our areas. Nor is ValuePickr.com liable for any errors or delays in the content or transmission of the data on our site. We promise not to lie to you, but we reserve the right to be wrong, or even stupid.

Terms of Service Violations

If you have been harassed in any manner that you feel is a violation of our Terms of Service it is your obligation to notify us of the offending matter/post(s). Please contact ValuePickr.com for that purpose. If you are unfamiliar with our Terms of Service, please read them.

Please read ValuePickr Terms and Conditions of Service for more details on our Terms of Service.

Last updated Dec 07, 2009.

Privacy Statement

We respect your privacy. Please give this Privacy Policy statement a thorough read to understand what we do with the personal information that we collect form you. Also lean what else you should know about your privacy.


ValuePickr.com Privacy Statement

ValuePickr.com is committed to protecting and respecting your privacy. This Privacy Statement sets out our privacy policy and explains what we do with the personal information that we collect from you. Please read the following to understand our practices regarding personal information and how they affect you as you use our features and services.

This statement discloses our current privacy practices; if we make material changes to these practices, we will post a notice on this website.

This Privacy Statement answers the following questions:

  • What information does ValuePickr.com gather about you?
  • How does ValuePickr.com use your personal information?
  • How do we use “IP addresses” and “cookies”?
  • Will ValuePickr.com disclose any of your personal information?
  • What kind of security measures do we take to protect your information from accidental loss or disclosure?
  • Will ValuePickr.com use your information for direct mailings?
  • What else should you know about your privacy?
  • How will you know whether ValuePickr.com’s privacy policy has changed?

What Information Does ValuePickr.com Gather About You?

ValuePickr.com collects information about our readers so that we can provide a more interesting and useful service. We ask for your name, email address, and other personal information when you register to use certain features of our Web site, or if you sign up for special or personalized services, such as our stock screener, or discussion boards. We also may ask for this information at other times, such as when you enter contests or other promotions sponsored by ValuePickr.com and/or our partners. We sometimes conduct surveys as well, although you do not have to respond to them.

If you use our recommendation service to email one of our articles to a friend, you will need to provide us with your friend’s email address and your email address as a return address. We will automatically send this person a one-time email, with the recommended article attached, as well as invite your friend to visit and register with our site. We will not use these email addresses for any other purpose.

We collect IP addresses for site security and to help us understand how people use our site so that we can improve our site and our users’ respective experiences. For similar quality reasons, we use a feature known as a “cookie.” Cookies contain bits of information that websites transfer to your computer’s hard drive for record-keeping purposes. Cookies can make the Web more convenient by storing information about your preferences on a site. Although we may assign your browser a cookie, the cookie does not tell us who you are. Only you can tell us that. We discuss cookies later in this Privacy Statement.

We may also collect your email address when you submit content to our sites (for example, a contest entry, or a review of a product). Unless we get your approval, we will not display your address with your submission.

Besides cookies, we may also use tiny electronic images (called “single-pixel GIFs” or “Web beacons”), which allow us to count users who have visited specific pages or access certain cookies. We may use single-pixel GIFs in the following ways:

  • To count and recognize users.
  • To conduct research on behalf of some partners on their websites, and for auditing purposes.
  • To determine aggregate information about users, including demographic and usage information.
  • To determine which email messages were opened and/or acted upon when we send HTML-formatted email messages (messages resembling Web pages that include graphics).

Advertising networks that serve ads on our site may also use single-pixel GIFs in their advertisements. In general, any electronic image viewed as part of a Web page, including an ad banner, can act as a Web beacon.

How Does ValuePickr.com Use Your Personal Information?

ValuePickr.com collects personal information to provide you, the user, with the best and most personalized experience possible. In short, by knowing a little about you, ValuePickr.com can deliver more relevant content to you.

We conduct research on our users’ demographics, interests, and behavior based upon the information you provide us when you register or participate in contests or other promotions on our site, or based upon the information on our server log files. This research is compiled and analyzed on an aggregated basis.

Sometimes we ask for personal information when providing special features and services. You do not have to give us that information, but without it, you may not be able to take advantage of those products or services. For example, you may not be able to gain access to certain areas of our site unless you register and/or subscribe.

How Do We Use “IP Addresses” and “Cookies”?

IP Addresses

Your Web browser or email application automatically provides your Internet Protocol address (“IP address”) to other computers with which you communicate over the Internet, so that they know where to send you information.

We receive an IP address each time you view one of our Web pages, because the browser automatically reports it to us. We also may store the IP address when you register with ValuePickr.com, create a stock screen, or post a message.

We may use IP addresses for various purposes, including:

  • Diagnosing service or technology problems.
  • Assessing and maintaining system security.
  • Displaying the most appropriate content.
  • Studying how people use our site and how we can improve it.
  • Reporting to potential advertisers about aggregate, but not individual, information derived from IP addresses.


Cookies are used on our sites in the following ways:

  • We use cookies to access your stored account information automatically when you log on to our site, in order to deliver a better and more personalized service.
  • We use cookies to estimate our audience size and usage patterns. The unique cookie that is given to each browser accessing ValuePickr.com is then used to determine usage patterns and help us target content based upon user interests.
  • We use cookies to allow you to access your account information automatically, as well as make changes to your personal information.
  • Our search engines may use cookies to expedite your search for content or products.

Most browsers are set up to accept cookies, but you can configure yours to refuse cookies or notify you when you’ve received one. Browsers differ, so check your “Help” menu to learn how to change your cookie preferences. If you reject cookies on our sites, though, you will not be able to access all areas of them or use many of their features, including our discussion boards and stock screener. When you accept our cookies, we cannot use them to find out who you really are, unless you tell us.

Will ValuePickr.com Disclose Any of Your Personal Information?

ValuePickr.com will not disclose any personally identifiable information about individual users, except as described in this Privacy Statement. With the few exceptions that we explain here, we do not give, rent, lend, or sell individual information to anyone, although we do reserve the right to provide aggregate information. We may also disclose aggregate information in order to describe our services to prospective partners, advertisers, and other third parties, and for other lawful purposes.

As for individually identifiable information, we may disclose it only under the following circumstances:

  • We may disclose information to others when we have your consent.
  • If you sign up for a service that relies upon third parties for important elements, we will provide your personal information to the third parties so that they can provide you with their services, and those companies will treat the data under their own policies. We will tell you about these service providers at the time you sign up for the service.
  • We may disclose information to selected partners, under nondisclosure agreements, only for the purpose of marketing ValuePickr.com co-branded offerings (such as a ValuePickr.com newsletter published by another company).Those partners will be able to use the personal information they receive from us only for marketing the co-branded offerings, not for marketing anything else.
  • If you use our recommendation service to email one of our articles to a friend, ValuePickr.com will automatically send this person a one-time email, with the recommended article attached. The email address you give us will appear on the “From” line of the email, thereby disclosing this information to whoever opens and reads the email. Similarly, if you send email from our site, by using “Reply to Author” or “Email this Post,” your address may appear as the return address of that email.
  • We may disclose your personal information as required by applicable law, or in response to legal process, to protect the rights or property of ValuePickr.com, or to protect the safety of ValuePickr.com, our users, or others.
  • We may disclose personal information in some other limited circumstances, but we will specifically describe them to you when we collect the information, such as in the rules of a contest or a new service. For example, if we are going to give personal information to a contest’s sponsor, we will disclose it when you sign up for the contest, so that you can decide whether to enter.
  • We may employ contractors or other third parties to help with our operations. We may give them access to databases of user information, so that they can perform their services for us, including performing system maintenance, displaying personalized content (such as your stock screens), performing list analysis or management, or sending mailings for us. These parties are all subject to confidentiality agreements that restrict their use and disclosure of information they obtain through their relationship with ValuePickr.com.

What Kind of Security Measures Do We Take to Protect Your Information From Accidental Loss or Disclosure?

ValuePickr.com is committed to protecting your personal information. We store information you provide us on our secure servers.

Personalized areas of our sites, such as My Folder, are password-protected. Only you have access to these password-protected areas. Do not share your passwords with anyone. ValuePickr.com will never ask you for your password in an unsolicited phone call or email. If you are using a computer to which others have access, such as one in a computer lab, Internet cafe, or public library, always remember to log out and close your browser window when leaving our site.

Will ValuePickr.com Use Your Information for Direct Mailings?

If you register with ValuePickr.com or sign up for any of our products or services, we will send you information about our various products and services, or other products and services that we believe may interest you. Our partners in co-branded products (for example, our ValuePickr.com-Newsletter) may also send you information, but only for those ValuePickr.com-branded products.

Please note: If you register for an account with us, we may contact you to confirm your  registration or subscription, or to provide you with information about its terms or features. You may wish to keep these transactional or relationship emails, to help you use our products and services.

What Else Should You Know About Your Privacy?

When you post information on discussion boards, and in such features as your Personal Profile or your ValuePickr Interview, that information, along with your screen name, is visible to the public. Please remember that whenever you disclose personal information publicly that information can be collected and used by others. In short, if you post personal information online where people can see it, people will know that information and you may receive unsolicited messages from other parties in return. If you do not want strangers to have your email address, you should not post your email address on a discussion board.

While we do our best to protect your personal information, ValuePickr.com cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. What does all of this mean? Just as in the investing world, you must protect yourself. You are responsible for maintaining the secrecy of any password and/or account information. Please be careful and responsible whenever you are online, especially when using a computer that other people can also use.

How Will You Know Whether ValuePickr.com’s Privacy Policy Has Changed?

We may change this Privacy Statement at any time, but we will give notice of any material change (or any notices that we are required to give you) on our websites and/or in email messages.

Last Updated: December 07, 2009