Cookies, Terms of use & Privacy

Privacy

This privacy policy sets out how Raman Malhotra uses and protects any information that you give Raman Malhotra when you use this web site.

How we use cookies

A cookie is a small file that asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better web site, by enabling us to monitor which pages you find useful and which you do not. A cookie does not give us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the web site.

The cookies we write and how they are used

Cookies	Name	Purpose	More Information
Google Analytics	_utma _utmb _utmc _utmz _utmv	These cookies are used to collect information about which pages our visitors use on the site. Information is used to compile reports and to help us improve the site and administrate the site. Information is in an anonymous form, includes the number of visitors to the site, where visitors have come from and the pages on other sites that refer to ramanmalhotra.com web site.	Google's privacy notice is here »
Site Cookies Accepted	SiteCookie	Records that you are happy to accept cookies and if so removes the site wide notification that ramanmalhotra.com uses cookies.	This is the only cookie that is stored by ramanmalhotra.com when you close your web browser.
Session Cookie	Session	The name of the cookie will indicate that the cookie is a session cookie and helps to remember your unique visit	Deleted when you close your browser.
Others	various	ramanmalhotra.com uses various cookies after you have logged in to remember your logged in state. For security purposes we do not disclose these.	These are deleted when you either logout of the web site or close your browser

Links to other web sites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other web site. We are not responsible for the protection and privacy of any information that you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Terms and conditions disclaimer

If you do not agree to all of the terms and conditions of this disclaimer, please do not use this web site.

The content of this web site is provided for information purposes only. It does not constitute legal, medical or insurance advice and the text, illustrations, photographs, animations and other information (content) available on this web site are for general information purposes only.

Raman Malhotra makes no representations or warranties as to the accuracy or completeness of the content of this web site. By accessing this web site, you recognise that any reliance on material contained on this web site will be at your own risk.

You are asked to contact a qualified medical or legal or insurance professional if specific medical or legal or insurance advice is needed. The content displayed on this web site has been written or displayed to offer general information and advice to those interested in the topics mentioned.

The content displayed is not intended to be diagnostic or relating to any specific person. It should not be considered as personal advice and must not be used for self-diagnosis. Any content on this site should be checked with a medical or legal or insurance professional who knows your personal circumstances.

This site provides impartial information and advice. Raman Malhotra does not endorse or recommend any specific commercial products, processes or services, therefore no opinions can be used for advertising or product endorsement.

Neither Raman Malhotra nor his employees nor colleagues will be liable for any loss or damage arising out of, or in connection with, the use of this site or the information contained within it. This is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property and claims of third parties.

The content and design of this web site are subject to copyright and no part or parts of this content or design may be used, reprinted, reproduced or published elsewhere without prior written consent. To obtain consent, please contact us. You may print pages and downloads from this web site for personal, general informational purposes only. You may not permanently copy or reproduce any elements of this web site. ©Raman Malhotra and others.

Links to third-party web sites are provided for convenience only and are not within the control of Raman Malhotra. No opinion on the content of any third-party web sites is expressed and Raman Malhotra expressly disclaims any liability for all third-party information and use thereof. Raman Malhotra accepts no responsibility for the content, accuracy, completeness, legality or function of these web sites.

These terms and conditions will be governed by and construed in accordance with English law and any disputes relating to this web site shall be subject to the exclusive jurisdiction of the courts of England.