Terms & Conditions: Business Standard Ltd allows you to access its websites (www.business-standard.com & www.businessstandard.com, www.smartinvestor.in, www.bshindi.com and www.bsmotoring,com) and all the content in them on certain terms and conditions specified below. By accessing or subscribing to any part of these sites, you are explicitly agreeing to the terms and conditions below. These terms and conditions were updated as on December 1, 2003, and Business Standard Ltd reserves all rights to change, modify or alter these terms and conditions at any point of time with or without notifying existing users and subscribers. If you do not agree to the new terms and conditions you should not use the business-standard.com and other associated sites mentioned above. Paid users will be refunded the unexpired portions of their subscriptions on a pro rata basis if they send us an email within 72 hours of changes made in the terms and conditions. The references in these terms and conditions to "BS" (or "we", "us" or "our") refer to the company Business Standard Ltd or any associate/subsidiary concern that may be operating the website www.business-standard.com and its associate sites. From time to time BS or business-standard.com may run competitions, prize schemes, promotions and surveys on all its websites. These may be subject to additional terms and conditions that will be specified at the time they are run.