Terms of Use


By continuing to access or use this website, you expressly acknowledge and agree to the terms and conditions set forth in these Terms of Use. C.R. Narayanan & Company reserves the right to modify these Terms of Use at any time, so you should review these terms and conditions whenever accessing or using this website. By using the website after the posting of modifications to the terms and conditions set forth in this Terms of Use, you signify your acceptance of such terms and conditions, as modified. You may not use this website if, at any time, you do not wish to accept the terms and conditions as set forth in this Terms of Use.

Legal Statement

All information and material including images, text and audio on this website is the property of C.R. Narayanan & Company LLC (“C.R. Narayanan & Co.”) and is subject to copyright. All other trademarks, if any, on this website are the property of their respective owners. You are entitled to view, copy and print any documents from this website but only for your own internal business purposes. You acquire absolutely no rights or licenses in or to the website or the materials contained within the website other than the limited right to use the website in accordance with this Terms of Use. Any sale, transmission or redistribution of this website or its content, and any copying, modification or other use of this website or its content for any purposes other than your own internal business purposes, are strictly prohibited. All present and future rights in and to trade secrets, trademarks, service marks, copyrights and other proprietary rights under the laws of any domestic or foreign governmental authority (the “Intellectual Property Rights”) shall at all times be and remain the sole and exclusive property of C.R. Narayanan & Co. as between you and C.R. Narayanan & Co. Except as specifically permitted by the terms of this Terms of Use, you shall not use the Intellectual Property Rights or the website, or any derivations thereof, for any purpose, without C.R. Narayanan & Co.’s prior written approval. You agree to protect the proprietary rights of C.R. Narayanan & Co. and all others having rights in the website and to comply with all reasonable written or electronic requests made by C.R. Narayanan & Co. or its suppliers of content or otherwise (“Suppliers”) to protect their and others’ contractual, statutory and common law rights in the website. You agree to provide C.R. Narayanan & Co. with prompt written notice of any unauthorized access or use of the website by any party or of any claim that the website infringes upon any copyright, trademark or other contractual, statutory or common law rights.

This website is provided solely for information purposes and, with the exception of this Terms of Use or as otherwise indicated, is not intended to, and shall not, constitute any offer or acceptance with the respect to any transactions or other matters. Except for this Terms of Use, this website shall not create any legal relationship between you and C.R. Narayanan & Co.

This website and the information and material which it contains are subject to change at any time by C.R. Narayanan & Co. without notice and C.R. Narayanan & Co. reserves the right to suspend, terminate or restrict your access to or use of this website. This website is provided “AS IS” without any warranty of any kind, express or implied, including, but not limited to, any implied warranty of merchantability, fitness for a particular purpose, accuracy or completeness of the information contained on this website or in respect of any materials or products referred to on this website, or non-infringement. Difficulties in use of this website could involve, among others, failures, delays, malfunction, software erosion, inadvertent disclosure of information provided to C.R. Narayanan & Co. via this website, or hardware damage, which difficulties could be the result of hardware, software or communication link inadequacies or other causes. Such difficulties could lead to possible economic and/or data loss. C.R. Narayanan & Co. does not warrant that the website is compatible with your equipment or that the website is free of errors, viruses or worms. In no event shall C.R. Narayanan & Co. be liable for any damage you may suffer as a result of such destructive features. All warranties, whether express or implied, are hereby excluded to the extent permitted by law.

C.R. Narayanan & Co. and its directors, officers, employees and agents shall, to the extent permitted by law, have no liability, contingent or otherwise, whether caused by the negligence of C.R. Narayanan & Co., its employees, subcontractors, agents, Suppliers, or otherwise, to you or to third parties for the accuracy, timeliness, completeness, reliability, performance or continued availability of this website or for delays or omissions therein, including, but not limited to, inaccuracies or errors in or omissions from quotes and financial data. C.R. Narayanan & Co. shall have no responsibility to maintain the information or services made available on this website or to supply any corrections or updates in connection with such information or services. IN NO EVENT WILL C.R. NARAYANAN & CO., ITS SUPPLIERS, OR ITS THIRD PARTY AGENTS BE LIABLE TO YOU FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF BUSINESS, LOSS OF PROFIT, LOSS OR CORRUPTION OF DATA, LOSS OF GOODWILL OR REPUTATION OR WASTED MANAGEMENT TIME) WHICH MAY BE INCURRED OR EXPERIENCED ON ACCOUNT OF YOUR USING OR RELYING ON THIS WEBSITE OR ANY INFORMATION OR LINKS ON IT , EVEN IF C.R. NARAYANAN & CO. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Any limitations or restrictions on liability in this Terms of Use shall only apply to the extent permitted by applicable law. In no event shall C.R. Narayanan & Co.’s total liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you to C.R. Narayanan & Co., if any, for accessing this website.

Nothing set forth in this website should be construed as a recommendation to purchase or sell any product or instrument or to enter into any transaction, or as a representation that any particular product or instrument is suitable or appropriate for you. Many of the products described in this website involve significant risks and you should not enter into any transactions unless you fully understand all of these risks and have independently determined that the risks are acceptable to you and that the transactions are appropriate for you in light of your objectives, experience, financial and operational resources and other relevant circumstances. Any discussion of risks contained in this website, however, should not be considered to be a disclosure of the risks of particular transactions, or a complete discussion of the risks which are mentioned.

You should not construe any of the material contained in this website as business, financial, investment, hedging, trading, legal, regulatory, tax or accounting advice and you should not make this website the primary basis for any trading decisions. In providing this website and entering into any transactions in the products described in this website, C.R. Narayanan & Co. is acting solely in the capacity of an arm’s length contractual counterparty and not as a financial advisor or a fiduciary. Under no circumstances should C.R. Narayanan & Co. be considered your advisor or fiduciary and, if you require advice with respect to the products identified in this website or any contemplated transactions, you should consult your own business, financial, accounting or legal advisors.

This website may provide links to certain websites sponsored and maintained by C.R. Narayanan & Co. as well as those sponsored or maintained by third parties. Such third-party websites are publicly available and C.R. Narayanan & Co. is providing access to such websites through this website solely as a convenience to you. The content of such third party websites, services, goods or advertisements that may be linked to this website is not maintained or controlled by C.R. Narayanan & Co., and C.R. Narayanan & Co. makes no representations or warranties concerning the content of such websites and the fact that access to such websites is provided does not constitute any endorsement, authorization or sponsorship of such websites or their sponsors by C.R. Narayanan & Co. nor is there any affiliation between C.R. Narayanan & Co. and such sponsors and such sponsors do not endorse, authorize or sponsor this website. Moreover, C.R. Narayanan & Co. is in no way responsible for the availability, content or accuracy of other websites, services or goods that may be linked to, or advertised on, the website and does not make any warranty, express or implied, with respect to the use of the links provided on, or to, the website or guarantee the accuracy, completeness, usefulness or adequacy of any other websites, services, goods or advertisements that may be linked to the website. You understand and agree that you will use or rely on such websites solely at your own risk and that C.R. Narayanan & Co. does not grant to you any rights in respect of such websites.

In the course of your use of this website, you may provide, or C.R. Narayanan & Co. may otherwise obtain, information about you or your business activities. By using this website, you expressly consent to C.R. Narayanan & Co. (1) using this information to assess the function and performance of this website, to assess the needs of its customers, to market C.R. Narayanan & Co.’s products and services and for the other purposes set out in this paragraph, and (2) transferring this data to C.R. Narayanan & Co. affiliates throughout the world for the purposes specified in (1) above. Any information which you provide or which C.R. Narayanan & Co. otherwise obtains will be used by C.R. Narayanan & Co. for any and all business purposes. In the event that Information is submitted through your access to the website erroneously, or you later determine that Information should not have been submitted, for any reason, you accept full financial responsibility for such entry. Further, by logging onto to our website on behalf of an entity or corporation, you are agreeing that you have the right and authority to bind that entity or corporation to the obligations and responsibilities incurred by utilizing this website.

You agree, at your own expense, to indemnify, defend and hold harmless C.R. Narayanan & Co. and its employees, representatives, Suppliers and agents, against any claim, suit, action or other proceeding against C.R. Narayanan & Co., its employees, representatives, Suppliers and agents, by a third party, to the extent that such claim, suit, action or other proceeding is based on or arises in connection with your use of the website, or any links on the website, including, but not limited to: (i) your use or someone using your computer’s use of the website; (ii) your use or someone using any password you may obtain; (iii) a violation of the terms set forth in this Terms of Use by you or anyone using your computer or password; (iv) a claim that any use of the website by you or someone using your computer or password infringes any intellectual property right of any third party, is libelous or defamatory, or otherwise results in injury or damage to any third party; (v) any deletions, additions, insertions or alterations to, or any unauthorized use of, the website by you or someone using your computer or password; (vi) any misrepresentation or breach of representation or warranty made by you contained herein: or (vii) any breach of any covenant or agreement to be performed by you hereunder. You agree to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys’ fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, and action or proceeding attributable to any such claim.

The terms of this Terms of Use shall be governed by, and construed in accordance with, the laws of the State of Delaware applicable to contracts made and to be fully performed in such State without reference to principles of conflict of laws. The user of this website agrees that by using this web they submit to the jurisdiction of the United States District Court for the Western District of Tennessee for the enforcement of the terms of this Terms of Use and any disputes related to same and agrees to service of process by mail.
C.R. Narayanan & Co. and its affiliates do not intend the information provided on this site to be distributed to, or used by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject C.R. Narayanan & Co. or its affiliates to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by C.R. Narayanan & Co. or its affiliates to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.

Although the information provided to you on this site is obtained or compiled from sources we believe to be reliable, C.R. Narayanan & Co. cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither C.R. Narayanan & Co., nor any of its affiliates, directors, officers or employees, nor any third party vendor will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this site, or resulting from the act or omission of any other party involved in making this site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of C.R. Narayanan & Co. or of any vendor providing software or services support.

Individual Provisions

If any provision of the Terms of Use is found unenforceable, unlawful, or void, the remaining provisions will be unaffected and will continue to be deemed valid and enforceable.

International Use

When accessing the website, you agree to comply with local rules, as well as the rules, laws, codes, and regulations of the country in which you reside and the country from which you access this website. You also agree to comply with the rules, laws, codes, and regulations about the transmission of information that is exported from the U.S. and any other relevant U.S and state laws, regulations, and restrictions.

Privacy Statement

This Privacy Policy sets forth the manner in which C.R. Narayanan & Company LLC may collect, utilize and maintain nonpublic information about customers, as required under federal and other applicable law. C.R. Narayanan & Co. is committed to protecting privacy and maintaining the confidentiality and security of a customer’s personal information. As noted above, this Privacy Policy only applies to products and services provided by C.R. Narayanan & Co. to individuals which are used for personal, family or household purposes (not business purposes).

Collection of Customer Information

  • C.R. Narayanan & Co. may collect personal information about customers from the following sources:
    Customer questionnaires and other information provided by the customer in writing, in person, by telephone, electronically or by any other means. This information may include name, address, employment information and financial and investment qualifications as applicable;
  • Information about customers from financial institutions and service providers with whom a customer may have authorized to provide such information to C.R. Narayanan & Co.
  • Transactions in a customer’s account, including account balances, investments, contributions and withdrawals; and
  • Verification services and consumer reporting agencies, including a customer’s creditworthiness or credit history, as applicable.

Disclosure of Nonpublic Personal Information

C.R. Narayanan & Co. does not disclose nonpublic personal information about customers or potential customer to affiliates or nonaffiliated third parties except as permitted by law. For example, C.R. Narayanan & Co. may share nonpublic personal information about customers, without the customer’s consent, with affiliated and nonaffiliated parties in the following situations, among others:

  • In connection with the administration and operations of C.R. Narayanan & Co. and other of C.R. Narayanan & Co.’s products and services, with C.R. Narayanan & Co.’s brokers, attorneys, accountants, auditors, administrators or other service providers;
  • To respond to a subpoena or court order, judicial process or regulatory inquiry;
  • In connection with a proposed or actual sale, merger or transfer of all or a portion of its business;
  • To protect or defend against fraud, unauthorized transactions (such as money laundering), law suits, claims or other liabilities;
  • To respond to requests for information regarding compliance with anti-money laundering laws;
  • Upon consent of a customer to release such information, including authorization to disclose such information to person acting in a fiduciary or representative capacity on behalf of the customer; and
  • To assist C.R. Narayanan & Co. in offering affiliated products and services to customers.

As indicated above, the foregoing may include responses to inquiries for purposes of compliance with anti-money laundering and ant-terrorist due diligence, disclosure or reporting requirements. C.R. Narayanan & Co. also may share nonpublic personal information about customers at customer direction or with customer consent.

Former and Prospective Customers

This same Privacy Policy applies to former and prospective customers.

Protection of Subscriber Information

C.R. Narayanan & Co. maintains physical, electronic and procedural safeguards that comply with federal standards to protect customer information. C.R. Narayanan & Co. restricts access to the personal and account information of customers to those registrants and employees who need to know that information in the course of their job responsibilities. When disposing of records containing customer information our registrants and employees are trained to use an electronic shredder.

Further Information

C.R. Narayanan & Co. reserves the right to change its Privacy Policy at any time. The examples contained within this Policy are illustrations and are not intended to be exclusive. C.R. Narayanan & Co.’s Privacy Policy complies with federal law regarding privacy. Customers may have additional rights under other domestic or foreign laws that may apply.

(revised March 2018)