Privacy Policy

1. Introduction

KBG Software ("KBG", "we", "us", "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our nGEMS – Next Generation Education Management System (the "Application", "Services", or "Platform"). It applies to all users, including students, parents, teachers, school administrators, and educational institutions.

By using the Application and related services, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please do not use our Services.

2. About nGEMS

nGEMS is a comprehensive school management system developed by KBG Software. It provides a unified platform for schools, teachers, parents, and students to manage and access academic and administrative information. Features include attendance tracking, homework assignments, timetables, examination results, fee management, online payments, push notifications, library management, transport tracking, school notices, circulars, leave management, student profiles, and dedicated portals for parents and teachers.

The Application is available as a mobile app (iOS and Android) and a web portal. This Privacy Policy covers all these platforms.

3. Information We Collect

We collect various types of information to provide and improve our Services. The categories of information we collect include:

  • Personal Identification Information: Student name, parent name, user ID, email address, phone number, school name, and class/grade details.
  • Academic Information: Attendance records, homework submissions, assignment grades, examination results, and academic progress reports.
  • Fee and Payment Information: Fee records, payment status, transaction references, and payment history.
  • Device and Usage Information: Device type, operating system, unique device identifiers, push notification tokens, app usage statistics, crash logs, and diagnostic data.
  • Login Credentials: User ID, password (hashed), and authentication tokens.

We collect information directly from you when you register, update your profile, use the Services, or communicate with us. We also collect information automatically through cookies and similar tracking technologies as described in Section 11.

4. Academic Information

To provide educational services, we collect and process academic information such as attendance, homework, assignments, examination results, and grades. This information is provided by schools, teachers, or administrators and is used to update student profiles, generate reports, and facilitate communication between teachers and parents. We treat academic information with strict confidentiality and only use it for the intended educational purposes.

5. Device Information

When you access the Application via a mobile device or web browser, we automatically collect certain device information. This includes:

  • Device type, model, and manufacturer
  • Operating system version
  • Unique device identifiers (for push notifications)
  • Mobile network information
  • IP address and approximate location (based on IP)

This data helps us optimize the Application for different devices, troubleshoot issues, and improve user experience.

6. Login Credentials

To access the Services, you must create an account or be provided with credentials by your school. We collect and securely store your user ID and a hashed version of your password. We also store authentication tokens to maintain your session. We never store passwords in plain text. You are responsible for keeping your login credentials confidential. Notify us immediately if you suspect unauthorized access to your account.

7. How Information is Used

We use the information we collect for the following purposes:

  • To provide, maintain, and improve the Services
  • To authenticate users and manage accounts
  • To process academic data and generate reports
  • To facilitate fee payments and manage financial records
  • To send notifications, alerts, and updates related to attendance, homework, results, and school announcements
  • To analyze usage trends and improve user experience
  • To respond to support requests and communicate with you
  • To ensure security, detect fraud, and prevent abuse
  • To comply with legal obligations

We may also use aggregated, anonymized data for research and statistical purposes, but such data does not identify any individual.

8. Online Fee Payments

nGEMS facilitates online fee payments through secure third-party payment gateways (e.g., Razorpay, PayU, or similar). When you make a payment, you are redirected to the payment gateway's secure page. We do not collect, store, or have access to your debit card number, credit card number, CVV, UPI PIN, net banking password, or any other sensitive payment credentials. nGEMS does not store debit card numbers, credit card numbers, CVV, UPI PIN, net banking passwords, or other payment credentials. Payments are processed securely by authorized third-party payment gateway providers.

We may store payment status (e.g., success, failure) and transaction reference numbers for reconciliation purposes. We do not store any financial details beyond what is necessary for fee management.

Please review the privacy policy of the respective payment gateway to understand how they handle your data.

9. Push Notifications

We use push notifications to send you real-time updates about attendance, homework, results, fee reminders, school notices, and other important information. To enable this feature, we collect a push notification token (device token) from your mobile device. This token is used exclusively for sending notifications and is not shared with third parties for marketing purposes.

You can opt out of push notifications at any time by adjusting your device settings or within the Application's notification preferences. However, disabling notifications may limit your ability to receive timely updates.

10. Firebase Services

We use Google Firebase, a suite of cloud-based developer tools, to enhance the Application. Firebase provides:

  • Push Notifications: Firebase Cloud Messaging (FCM) for reliable delivery of notifications.
  • Crash Reporting: Firebase Crashlytics to collect crash logs and diagnostic information to improve app stability.
  • Analytics: Firebase Analytics to understand user behavior and measure engagement.
  • Performance Monitoring: Firebase Performance Monitoring to track app performance metrics.

Firebase may collect device information, app usage data, and crash logs. This data is aggregated and anonymized where possible. For more information, please refer to Google's Privacy Policy.

11. Cookies and Tracking Technologies

When you visit our website (https://nextgems.com) or use the web portal, we may use cookies and similar tracking technologies to enhance your experience. Cookies are small text files stored on your device that help us recognize your browser, remember your preferences, and analyze site traffic.

We use the following types of cookies:

  • Essential Cookies: Necessary for the website to function properly (e.g., session management).
  • Preference Cookies: Remember your language or display preferences.
  • Analytics Cookies: Help us understand how visitors interact with the site (e.g., Google Analytics).

You can manage your cookie preferences through your browser settings. However, disabling essential cookies may affect the functionality of the site. We do not use cookies for targeted advertising.

12. Sharing Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes. We may share your information in the following cases:

  • With Schools and Teachers: Information such as attendance, homework, and results is shared with the respective school, teachers, and parents to enable the educational services.
  • With Service Providers: We engage trusted third-party providers to perform tasks on our behalf, such as hosting, data storage, payment processing, analytics, and notification delivery. These providers have access to your information only to the extent necessary to perform their functions and are contractually obligated to protect it.
  • Legal Compliance: We may disclose your information if required by law, court order, or governmental regulation, or to protect the rights, property, or safety of KBG Software, our users, or others.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction. We will notify you of any such change.

We do not share your information with third parties for their own marketing purposes.

13. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption (SSL/TLS for data in transit), secure servers, firewalls, access controls, and regular security audits.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

14. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Services. We may also retain certain information as required by law, for legitimate business purposes, or to resolve disputes. After your account is deleted, we will anonymize or delete your data, except where retention is required by law or for audit purposes. Academic records may be retained to maintain educational continuity.

If you wish to request deletion of your data, please refer to Section 17 (Account Deletion).

15. Children's Privacy

Protecting the privacy of children is important to us. The nGEMS Application may be used by students under the age of 13, but only with the consent and supervision of their parents or legal guardians. We comply with the Children's Online Privacy Protection Act (COPPA) and similar regulations.

We do not knowingly collect personal information directly from children under 13 without verifiable parental consent. Schools and teachers who use nGEMS are responsible for obtaining appropriate consent from parents before allowing students to use the Application. If we discover that we have inadvertently collected personal information from a child under 13 without proper consent, we will delete that information promptly.

Parents can review, update, or request deletion of their child's information by contacting us at support@nextgems.com.

16. User Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you.
  • Correction: Update or correct inaccurate information.
  • Deletion: Request deletion of your personal information, subject to legal obligations.
  • Restriction: Restrict processing of your data in certain circumstances.
  • Data Portability: Request a machine-readable copy of your data for transfer to another provider.
  • Object: Object to processing for direct marketing or legitimate interests.

To exercise any of these rights, please contact us at support@nextgems.com. We will respond to your request within a reasonable time frame and in accordance with applicable laws.

17. Account Deletion

If you wish to delete your nGEMS account, you can submit a request to our support team at support@nextgems.com. Please note that account deletion is irreversible and will result in the loss of all your data, including academic records, messages, and settings.

We will process your deletion request within a reasonable time. However, we may retain certain information as required by law, for audit purposes, or to resolve disputes. After deletion, your data will be anonymized or permanently removed from our active systems.

18. Third Party Services

nGEMS integrates with or links to third-party services, including payment gateways, cloud hosting providers, analytics tools (Firebase), and communication platforms. These third parties have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of such third parties.

We use the following third-party services:

  • Google Firebase (notifications, analytics, crash reporting)
  • Payment gateways (e.g., Easebuzz, Razorpay, PayU) – for fee payments
  • Cloud hosting providers (e.g., AWS, Google Cloud)
  • Email and SMS providers for communication

These providers may have access to your information only as necessary to perform their services and are bound by confidentiality agreements.

19. International Transfers

Your information may be transferred to and stored on servers located in countries other than your own. These countries may have data protection laws that differ from your jurisdiction. However, we take steps to ensure that your data is adequately protected, such as using standard contractual clauses or relying on the EU-US Privacy Shield framework (where applicable). By using our Services, you consent to the transfer of your data to these locations.

20. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or operational needs. We will notify you of any material changes by posting the new policy on this page, updating the "Last Updated" date, and, where appropriate, sending you an email notification.

We encourage you to review this policy periodically. Your continued use of the Services after any changes indicates your acceptance of the updated policy.

21. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

KBG Software
2nd Floor, House No. 36, Naharani Path,
Dispur, Guwahati – 781006,
Assam, India

Email: support@nextgems.com
Website: https://nextgems.com
Support: https://nextgems.com/support
Privacy Policy: https://nextgems.com/privacy.php

We aim to respond to all inquiries within a reasonable timeframe.

Terms of Service

THIS IS A BINDING AGREEMENT BETWEEN YOU AND NGEMS (“nGEMS,” “we,” “us,” “our”).BY ACCESSING OR USING THE PRODUCT OR SERVICES IN ANY MANNER, YOU AGREE THAT YOU HAVE READ AND AGREE TO BE BOUND BY AND A PARTY TO THE TERMS AND CONDITIONS OF THIS AGREEMENT TO THE EXCLUSION OF ALL OTHER TERMS. IF YOU DO NOT UNCONDITIONALLY AGREE TO ALL THE TERMS AND CONDITIONS OF THE AGREEMENT, YOU MAY NOT USE THE SERVICES.

IF YOU ARE UNDER THE AGE OF 18

IF YOU ARE UNDER THE AGE OF 18, YOU MUST HAVE YOUR PARENT OR GUARDIAN READ THE AGREEMENT BELOW AND AGREE TO IT FOR YOU. IF YOU DON’T GET YOUR PARENT OR GUARDIAN TO READ AND AGREE TO THIS AGREEMENT, YOU DON’T HAVE PERMISSION TO USE THIS SITE.

We reserve the right to modify this Agreement at any time. We’ll do our best to provide you notice by posting a notice or through email when we make a material change to the Services that would adversely affect you, but this isn’t always practical. If you don’t agree with the new terms, you may reject them but you will no longer be able to use the Services. Your use of the Services in any way following such notification constitutes your acceptance of the terms and conditions as modified. We may suspend or discontinue any part of the Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Services, at any time.

You represent and warrant to nGEMS that:

  • You are at least 18 years old (or, if you are not at least 18 years old, you have your parent’s permission to use the Services, and your parent has read and agrees to this Agreement on your behalf);
  • All registration information you submit is accurate and truthful;
  • You will maintain the accuracy of such information;

If you’re agreeing to this Agreement on behalf of an organization or entity, you represent and warrant that you are authorized to agree to this Agreement on that organization or entity’s behalf and bind them to this Agreement (in which case, the references to “you” and “your” in these Terms, except for this sentence, refer to that organization or entity). You also certify that you are legally permitted to use and access the Services and take full responsibility for the selection and use of and access to the Services. This Agreement is void where prohibited by law, and the right to access the Services is revoked in such jurisdictions.

USE BY CHILDREN

The Children’s Online Privacy and Protection Act (“COPPA”) requires that online service providers obtain parental consent or provide notice before they knowingly collect personally identifiable information online from children who are under 13. We do not knowingly collect or solicit personally identifiable information from a child under 13, except in the following circumstances:

We may collect a child’s name, email address or telephone number, and the child’s parent’s email address in order to provide notice to parents that we may contact their child for the purpose of providing the Services that their teacher has signed up for

We may collect personal information from a child under 13 where that student’s school, district, and/or teacher has agreed to obtain parental consent for that child to use the Services and disclose personal information to us, for the use and benefit of the learning environment.

If you are a school, district, or teacher, you represent and warrant that you are solely responsible for complying with COPPA. If you are a teacher, you represent and warrant that you have permission and authorization from your school and/or district to use the Services, and for purposes of COPPA compliance , you represent and warrant that you are entering into these Terms on behalf of your school and/or district.

If we learn we have collected personal information from a student under 13 other than pursuant to the above, or if we learn a student under 13 has provided us personal information beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a student under 13 may have provided us personal information in violation of this paragraph, please contact us at support@nextgems.com.

FEES AND PAYMENT

Access to and use of the Services a very limited period is free, but shall fetch additional cost after expiry of free period. Our charges may vary from year to year depending upon different installed features and other relative cost. If you want access to those Services, you will pay all applicable fees for those Services, as will be described on the Services. If you continue to use those Services following such notification, that use constitutes your acceptance of any or increased charges.

Note that, by using the Services, you may receive e-mail or text messages on your phone or mobile device, which may cause you to incur usage charges or other fees or costs in accordance with your wireless or data service plan. Any and all such charges, fees, or costs are your sole responsibility. You should consult with your wireless carrier to determine what rates, charges, fees, or costs may apply to your use of the Services.

REFUND AND CANCELLATION

A user of our service shall have the right to discontinue the service by uninstalling the Android App from their mobile and discontinue the use of web portal maintained at www.nextgems.com. Any amount paid towards the service for the academic year will not be refunded and parents/students may choose not to subscribe for the system given through the School/College for the next academic session. Since the system is non-mandatory hence payment for the system is optional.

ADDITIONAL TERMS

This Agreement applies to all users of our Services, but there are special terms for a teacher who organizes a “class” or “group” of members, as an Organizer. If you are, for example, a student, teammate or parent who is invited to be a member of a class or group by an Organizer, you are a Subscriber. In certain cases, Subscribers may be allowed to invite new members to a “class group” to become Subscribers. You may not sign up for or use the NGEMS Services as someone you are not; we may disable or terminate your account if you do so.

If you are a Subscriber (such as a student, parent, or other individual invited to join a class or group by an Organizer):

  • You must get your parent or guardian to read and agree to this Agreement before using the Services if you are under 18.
  • You will only join classes and/or groups that you have been invited to, or based on your school, class or group affiliation, to which you are a part of.

If you are accessing the Services as an Organizer and inviting users to join as Subscribers:

  • The Services may allow you to invite users to join your group(s) and/or to add users to your group(s). If you invite other users to join your group, you represent and warrant to us that you have obtained consent from each person including receiving messages from nGEMS.
  • Organizers can invite members by distributing “a PIN Number” generated by NGEMS and communicate with Subscribers. You may only share this PIN with Subscribers whom you wish to subscribe to your group.
  • Organizers are responsible for and must maintain and monitor Subscriber lists in order to help ensure accurate representation of the Subscribers in your group.

FERPA

Certain information directly related to a student and which may be considered an education record (“Education Record”) under the Family Educational Rights and Privacy Act (“FERPA”), may be provided to NGEMS by teachers, teacher aides, or other school administrators or officials at an Institution. Additionally, certain information, provided to NGEMS, such as student name and grade level, may be considered directory information under FERPA (“Directory Information”) and thus not an Education Record.

To disclose eligible student education records, a school is generally required to have written consent of the parent and/or eligible student or meet one of the exceptions set forth in FERPA including the exemption for Directory Information (“Directory Information Exemption”) or disclosure to school officials with a legitimate educational interest (“School Administrator / Official Exemption”).

As a School Official or Institution providing Directory Information or any Education Record to nGEMS, you represent, warrant and covenant to NGEMS, as applicable, that your Institution has:.

  1. complied with the Directory Information Exemption, including, without limitation, informing parents and eligible students what information the Institution deems to be directory information and allowing parents and eligible students a reasonable amount of time to request that schools not disclose directory information about them; and/or
  2. complied with the School Official / Administrator Exemption, including, without limitation, informing parents in their annual notification of FERPA rights that the Institution defines “school administrator / official” to include service providers and defines “legitimate educational interest” to include services such as the type provided by nGEMS; or
  3. obtained all necessary parental or eligible student written consent to share the Directory Information and Educational Records with NGEMS, in each case, solely to enable nGEMS operation of the Service.

nGEMS will never share Education Records with third parties except (i) as directed by a nGEMS user (e.g., a teacher referring another teacher or having parent subscribe to the application); or (ii) to third party providers that are necessary for us to provide the Service.

REGISTRATION AND SECURITY

As a condition to using the Product and Services, you may be required to register with nGEMS by selecting a user id, password and providing your name and a valid email address. You will provide nGEMS with accurate, complete, and updated registration information.

You may not

  • Select or use the name or email of another person with the intent to impersonate that person; or
  • Use a name subject to any rights of any person other than you without appropriate authorization.

nGEMS reserves the right to refuse registration of or cancel an account in its sole discretion. You will be responsible for maintaining the confidentiality of your account and password. You may not transfer your account to anyone. Violation of any of the foregoing may result in immediate termination of your account, revocation of your ability to use the Product and Services, and may subject you to state and federal penalties and other legal consequences. NGEMS reserves the right, but will have no obligation, to investigate your use of the Product and Services in order to determine whether a violation of the Agreement has occurred or to comply with any applicable law, regulation, legal process or governmental request.

CONSENT TO RECEIVE PERIODIC MESSAGES FROM NGEMS

As part of the Services, NGEMS may send communications (such as text messages, emails, and push notifications) to Subscribers of a class group. For example, upon adding a new Subscriber to a class group, such new Subscriber will receive a welcome message. NGEMS may send other administrative messages as well. BY SIGNING UP FOR THE SERVICES, YOU AGREE TO RECEIVE COMMUNICATIONS FROM NGEMS, AND YOU REPRESENT AND WARRANT THAT EACH USER YOU INVITE AND/OR ADD TO A GROUP HAS CONSENTED TO RECEIVE COMMUNICATIONS FROM NGEMS AS WELL AS FROM YOU. You agree to indemnify and hold nGEMS harmless for and against any and all claims, liabilities, damages (actual and consequential), losses and expenses (including attorneys’ fees) arising from or in any way related to your breach of the foregoing.

CONTENT

All materials displayed or performed or available on the Services (including, but not limited to text, graphics, data, articles, photographs, images, illustrations, User Submissions (defined below), and so forth (all of the foregoing, the “Content”)) are protected by copyright and other intellectual property laws. You may only use the Services for your own personal, non-commercial use and only in accordance with the terms of this Agreement and all laws that apply to you. nEMS is not responsible for your use of the Services in any way that breaks the law. You agree you will abide by all copyright notices, trademark rules, information, and restrictions contained in any Content accessed through the Services, and will not use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell or otherwise exploit for any purposes whatsoever any Content or third party submissions or other proprietary rights not owned by you:

Without the express prior written consent of the respective owners, and

In any way that violates anyone else’s (including nGEMS’s) rights.

You may download or copy certain Content for personal non-commercial use only, provided that you maintain all copyright and other notices contained in such Content. Copying or storing of any Content other than personal, non-commercial use is expressly prohibited without prior written permission from nGEMS or from the copyright holder identified in such Content’s copyright notice. You will not link to the Services without nGEMS’s prior written consent, except in accordance with the terms of this Agreement.

In the course of using the Services, you and other users may provide information which may be used by nGEMS in connection with the Services and which may be visible to certain other users. All materials, information and content that you post or otherwise provide to nGEMS (and in connection with the Services) are your “User Submissions.” You retain ownership of the rights you may have in your User Submissions, provided that nGEMS hereby is and will be granted a non-exclusive, worldwide, royalty free, perpetual, irrevocable, and transferable (only to an successor) right to fully exploit such User Submissions (including all related intellectual property rights) and to allow other users to do so. Furthermore, nGEMS retains the right to reformat, modify, create derivative works of, excerpt, and translate any User Submissions submitted by you. You grant other users of the Services a non-exclusive license to access your User Submissions through the Services, and to exercise rights in and to such User Submissions and to view such User Submissions as permitted through the functionality of the Services and under this Agreement (for example, the recipients of a message sent by you will be able to save, copy, print and archive that message). All information publicly posted or privately transmitted through the Services is the sole responsibility of the person from which such content originated and that nGEMS will not be liable for any errors or omissions in any content. nGEMS cannot guarantee the identity of any other users with whom you may interact in the course of using the Services. Additionally, nGEMS cannot guarantee the authenticity of any data, which users may provide about themselves. You acknowledge that all Content accessed by you using the Services is at your own risk and you will be solely responsible for any damage or loss to any party resulting there from.

Under no circumstances will nGEMS be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred in connection with use of or exposure to any Content posted, emailed, accessed, transmitted, or otherwise made available via the Services.

YOUR RESTRICTIONS AND RESPONSIBILITIES

You warrant, represent and agree that you will not contribute any Content or otherwise use (or encourage any third party to use) the Services in a manner that

infringes or violates the intellectual property rights or proprietary rights, rights of publicity or privacy, or other rights of any third party;

violates any law, statute, ordinance or regulation;

is harmful, fraudulent, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libellous, or otherwise objectionable as reasonably determined by NGEMS;

jeopardizes the security of your account in any way, such as allowing someone else access to your account or password;

attempts, in any manner, to obtain the password, account, or other security information from any other user;

violates the security of any computer network, or cracks any passwords or security encryption codes;

runs Maillist, Listserv, any form of auto-responder or “spam” on the Services, or any processes that run or are activated while you are not logged into the Services, or that otherwise interfere with the proper working of the Services (including by placing an unreasonable load on the Services’ infrastructure);

“crawls,” “scrapes,” or “spiders” any page, data, or portion of or relating to the Services or Content (through use of manual or automated means);

copies or stores any significant portion of the Content;

decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the Services (or the products of nGEMS’s third party service providers).

nGEMS reserves the right to terminate access of any third party application or service to our published or unpublished APIs.

nGEMS reserves the right (but does not have the obligation) to remove any Content from the Services at any time, for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if nGEMS is concerned that you may have breached the immediately preceding sentence), or for no reason at all. You, not nGEMS, remain solely responsible for all Content that you upload, post, email, transmit, or otherwise disseminate using, or in connection with, the Services, and you warrant that you possess all rights necessary to provide such content to nGEMS and to grant nGEMS the rights to use such information in connection with the Services and as otherwise provided herein

You will be responsible for obtaining and maintaining any equipment or ancillary services needed to connect to, access, or otherwise use the Services, including, without limitation, modems, hardware, software, and long distance or local telephone service. You will be responsible for ensuring that such equipment or ancillary services are compatible with the Services. You will be responsible for withholding, filing, and reporting all taxes, duties and other governmental assessments associated with your activity in connection with the Services.

COPYRIGHT DISPUTE POLICY

Under the Digital Millennium Copyright Act (the “DMCA”), online service providers such as nGEMS have the right, but not the obligation, to remove material that allegedly violates someone’s copyright. We respect others’ intellectual property rights, and we reserve the right to delete or disable Content alleged to be infringing, and to terminate the accounts of repeat alleged infringers.

WARRANTY AND DISCLAIMER

NGEMS has no special relationship with or fiduciary duty to you. You acknowledge that nGEMS has no control over, and no duty to take any action regarding: which users gains access to the Services; what Content you accesses via the Services; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release nGEMS from all liability for you having acquired or not acquired Content through the Services. The Services may contain, or direct you to websites or services containing, information that some people may find offensive or inappropriate. nGEMS makes no representations concerning any content contained in or accessed through the Services, and NGEMS will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Services. nGEMS makes no representations or warranties regarding suggestions or recommendations of services or products (including Content provided by publishers) offered or purchased through the Services. Products and services purchased or offered (whether or not following such recommendations and suggestions) the Services are provided “AS IS” without any warranty of any kind from nGEMS or others unless, with respect to others (only), otherwise made expressly and unambiguously in writing by a designated third party for a specific product.

THE SERVICES, CONTENT, AND ANY SOFTWARE ARE PROVIDED ON AN “AS IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SOME STATES DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

INDEMNITY

You will indemnify and hold nGEMS, its parents, subsidiaries, affiliates, officers, and employees harmless (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) from any claim or demand made by any third party due to or arising out of your access to the Services, use of the Services, your violation of this Agreement, or the infringement by you or any third party using your account of any intellectual property or other right of any person or entity.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT WILL NGEMS OR ITS SUPPLIERS OR ITS SERVICE PROVIDERS, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE WITH RESPECT TO THE SERVICES OR THE SUBJECT MATTER OF THIS AGREEMENT UNDER ANY CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY

FOR ANY AMOUNT IN THE AGGREGATE IN EXCESS OF THE GREATER OF $100 OR THE FEES PAID BY YOU TO NGEMS HEREUNDER DURING THE 3-MONTH PERIOD PRECEDING THE APPLICABLE CLAIM;

FOR ANY INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER;

FOR DATA LOSS OR COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; OR

FOR ANY MATTER BEYOND NGEMS’s REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

TERMINATION

This Agreement will remain in full force and effect while you use the Services. You may terminate your use of the Services or your account at any time by deleting your account or by contacting us at support@nextgems.com. nGEMS may disable or terminate your access to the Services or your account at any time, for any reason (without cause or for your violation of any term of this Agreement), and without warning or notice, which may result in the forfeiture of all information associated with your membership. Upon termination of your account, your right to use the Services, and any Content will immediately cease; however, nGEMS may retain messaging data or other data and information pursuant to this Agreement and as necessary for auditing purposes and as required by law. All provisions of this Agreement, which, by their nature, should survive termination, will survive termination, including, without limitation, ownership provisions, warranty disclaimers, and limitations of liability.

CHOICE OF LAW AND ARBITRATION

This Agreement will be governed by and construed in accordance with the laws of the State of Assam without regard to the conflict of laws provisions thereof. Any dispute arising from or relating to the subject matter of this Agreement will be finally settled in small claims court or by arbitration in Guwahati, Assam, using the English language in accordance with the Arbitration Rules and Procedures of Judicial Arbitration and Mediation Services, Inc. (“JAMS”) then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes, who will be selected from the appropriate list of JAMS arbitrators in accordance with the Arbitration Rules and Procedures of JAMS. By agreeing to these terms, you acknowledge that you may not participate in a class action in court or in arbitration, either as a class representative, class member or class opponent.

MISCELLANEOUS

The failure of either party to exercise, in any respect, any right provided for herein will not be deemed a waiver of any further rights hereunder. nGEMS will not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond nGEMS’s reasonable control, including, without limitation, mechanical, electronic or communications failure. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect and enforceable. This Agreement is not assignable, transferable or sub-licensable by you. nGEMS may transfer, assign or delegate this Agreement and its rights and obligations without consent. Both parties agree that this Agreement is the complete and exclusive statement of the mutual understanding of the parties and supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of this Agreement, and that all modifications must be in a writing signed by both parties, except as otherwise provided herein. This Agreement and any subsequent versions of this Agreement posted to the Services will be deemed a writing signed by both parties. No agency, partnership, joint venture, or employment is created as a result of this Agreement and you do not have any authority of any kind to bind NGEMS in any way whatsoever.

PRIVACY

We take the privacy of our users very seriously. Please read our Privacy Policy, located at https://nextgems.com/privacy/

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