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Terms of Use

Unless otherwise indicated, this Web site and its contents are the property of Penram International Publishing (India) Pvt.Ltd., and are protected, without limitations, pursuant to Indian and foreign copyright and trademark laws. By accessing this Web site, you agree to the following terms and conditions. If you do not agree, you have no right or license to access this Web site and you should not do so.

The works made available on this Web site are protected by Indian copyright laws and are provided solely for the use of instructors in teaching their courses and assessing student learning. Dissemination or sale of any of these works, as a whole or in parts (including on the World Wide Web), will destroy the integrity of such works and is not permitted. The works and materials from them should never be made available to students except by instructors using the accompanying text in their classes. All users of these materials and visitors to this Web site are expected to abide by these restrictions and to honor the intended pedagogical purposes and the needs of other instructors who rely on these materials.

General Terms

You are authorized to download one copy of the material on this Web site on one computer for your personal, non-commercial use only. In doing so, you may not remove or in any way alter any trademark, copyright, or other proprietary notice. Except as allowed in the preceding sentence, you may not modify, copy, distribute, republish, commercially exploit, or upload any of the material on the Web site without the prior written consent of Penram International Publishing (India) Pvt.Ltd.. No intellectual property or other rights in and to this Web site or its contents, other than the limited right to use set forth above, are transferred to you.

Penram International Publishing (India) Pvt.Ltd. makes no representations or warranties with respect to this web site or its contents, which are provided for use “As is”. Penram International Publishing (India) Pvt.Ltd. disclaims all warranties, express or implied, including without limitation the implied warranties of title, non infringement, merchantability and fitness for a particular purpose, with respect to the web site and any web site with which it is linked. Penram International Publishing (India) Pvt.Ltd. also makes no representations or warranties as to whether the information accessible via this web site, or any web site with which it is linked, is accurate, complete, or current.

It is your responsibility to evaluate the accuracy and completeness of all information, opinions, and other material on this Web site or any Web site with which it is linked. Price information is subject to change without notice.

To the fullest extent permitted by applicable laws, Penram International Publishing (India) Pvt.Ltd. and its employees, agents, suppliers, and contractors shall in no event be liable for any claims, charges, and contractors damages, liabilities, losses, and expenses of whatever nature and howsoever arising, including, without limitation any compensatory, incidental, direct, indirect, special, punitive, or consequential damages, loss of use, loss of data, loss caused by a computer or electronic virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind of character, even if Penram International Publishing (India) Pvt.Ltd. has been advised of the possibility of such damages or losses, arising out of or in connection with the use of this Web site, or any Web site with which it is linked. You assume total responsibility for establishing such procedures for data back up and virus checking as you consider necessary.


To the extent that portions of this Web site (such as "chat rooms" or "bulletin boards") provide users an opportunity to post and exchange information, ideas and opinions ("Posting"), BE ADVISED THAT PENRAM INTERNATIONAL PUBLISHING (INDIA) PVT.LTD. HAS NO OBLIGATION TO SCREEN, EDIT, OR REVIEW POSTINGS PRIOR TO THEIR APPEARANCE ON THIS WEB SITE, and Postings do not necessarily reflect the views ofPenram International Publishing (India) Pvt.Ltd.. To the fullest extent permitted by applicable law, Penram International Publishing (India) Pvt.Ltd. shall in no event have any responsibility or liability for the Postings or for any claims, damages, or losses resulting from their use and/or appearance on this Site.

Penram International Publishing (India) Pvt.Ltd. reserves the right to monitor all Postings and to remove any which it considers in its absolute discretion to be offensive or otherwise in breach of these terms and conditions.

You hereby represent and warrant that you have all necessary rights in and to all Postings you provide and all material they contain; that your Postings shall not infringe any proprietary or other rights of third parties; that your Postings shall not contain any viruses or other contaminating or destructive devices or features; that your Postings shall not contain any defamatory, indecent, offensive, tortious, or otherwise unlawful material or content; and that your Postings shall not be used to carry out or solicit any unlawful activity and/or be used to make commercial solicitations. You hereby authorize Penram International Publishing (India) Pvt.Ltd. to use and/or authorize others to use all or part of your Postings in any manner, format, or medium that Penram International Publishing (India) Pvt.Ltd. or such other parties see fit. You shall have no claim or other recourse against Penram International Publishing (India) Pvt.Ltd. for infringement of any proprietary right in Postings.


You hereby agree to indemnify and hold harmless Penram International Publishing (India) Pvt.Ltd. from and against any and all claims, charges, demands,damages,liabilities,losses,expenses, and liabilities of whatever nature and howsoever arising (including but not limited to any legal or other professional fees and the costs of defending or prosecuting any claim and any loss of profit, goodwill, and any other direct or consequential loss) incurred or suffered by Penram International Publishing (India) Pvt.Ltd. directly or indirectly by reason of any act or omission which you commit in breach of these terms and conditions and the obligations and warranties contained in them.


Copyright in these pages is owned by Penram International Publishing (India) Pvt.Ltd. except where otherwise indicated by a third party's proprietary notice. Images, trade marks and brands are also protected by other intellectual property laws and may not be reproduced or appropriated in any manner without written permission of their respective owners.

Content and information provided by third parties other than Penram International Publishing (India) Pvt.Ltd. is identified clearly where it appears. We publish this content as supplied to us and are not responsible for its accuracy or timeliness.


These conditions of use are governed by the laws of India and you agree that Courts of Mumbai, India shall have exclusive jurisdiction in any dispute.

If you have any copyright concerns about any materials posted on this site (“ Penram International Publishing (India) Pvt.Ltd. site”) by others, please let us know. Please provide us with written information by contacting our officials at the following address:

Penram International Publishing (India) Pvt.Ltd.

B-20, Bussa Udyog Bhavan, T.J. Road,

Sewree (west), Mumbai- 400 015

Email : penram@penram.com

Phone: 91-22-66624247,91-22-6662 4248


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