By using the marladukharan.com website (the “Site” or “Website”) or any other product(s) (“Product(s)”) or service (“Service”) of Marla Dukharan or GNM Group, LLC, You agree to follow and be bound by these terms of use (the “Terms of Use”) and agree to comply with all applicable laws and regulations.  It is essential that You read these terms in their entirety before using  this Website or any of Our Products. Use of this Website, marladukharan.com, or any other Product of GNM Group, LLC indicates Your full agreement to the Terms of Use. If You do not agree with all of the terms and conditions, please do not continue the registration process or use the Service. The Terms of Use (the “Agreement”) represents a legally binding agreement between the customer or site visitor (“User”, “You” or “Your”) and GNM GROUP, LLC, its affiliates, suppliers, agents, directors, officers, employees, representatives, successors, and assigns  (“GNM”, “Marla Dukharan”, “Marladukharan.com”, “We” or “Our”).  The Use of all Products and Services will be subject to the following terms and conditions. It is Your responsibility to review these Terms of Use whenever using this Site. If at any time You find these Terms of Use unacceptable, or if You do not agree to these Terms of Use, You shall not use this Site or any GNM Group, LLC Products or Services. We may make revisions to these Terms of Use at any time without notice to You. If You have any questions about these Terms of Use, please contact Our Legal Department at info@marladukharan.com.  

Acceptance of terms

By accessing any GNM Group, LLC Websites, Products or Services, or by checking the appropriate box indicating that You agree during registration, You are certifying that You have read this Agreement, that You understand it, and You commit to be bound by all of the Terms of Use. By using this Site or any of Our Products or Services, You agree that You are at least 18 years of age or the age of majority in Your jurisdiction, and You have the right, authority and capacity to legally enter into a contract and abide by this Agreement. Under no circumstances shall GNM Group, LLC be liable for any unauthorized use of the Products, Services, Website or Content.  


WE, GNM GROUP, LLC, MAKE NO REPRESENTATIONS OR WARRANTIES, AND ACCEPT NO LIABILITY OF ANY KIND FOR ANY LOSS OR DAMAGES RESULTING FROM THE USE OF THIS SITE, OR ANY OF OUR PRODUCTS AND SERVICES.  WE MAKE NO REPRESENTATIONS OR WARRANTIES THAT OUR PRODUCTS AND SERVICES, OR THE MATERIALS ON THIS SITE ARE ERROR-FREE, OR THAT THEY ARE FIT FOR ANY PARTICULAR PURPOSE OR REQUIREMENTS. WE MAKE NO WARRANTIES THAT THE PRODUCTS, SERVICES OR WEBSITE WILL BE ACCURATE, TIMELY, COMPLETE OR RELIABLE. WE MAKE NO WARRANTIES TO THE OPERATION OF MARLADUKHARAN.COM OR ANY OF ITS CONTENTS. WE MAKE NO WARRANTY THAT THIS SITE, PRODUCTS OR SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE QUALITY OF ANY MATERIALS, PRODUCTS, SERVICES OR IS SITE WILL MEET YOUR EXPECTATIONS. THE PRODUCTS AND SERVICES ARE PROVIDED ON AN “AS IS” BASIS, WITH NO WARRANTIES OF ANY KIND.  GNM GROUP, LLC DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY LAW.  GNM GROUP, LLC DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT TO THE FULLEST EXTENT PERMITTED BY LAW. The information provided through Our Products, Services or Website is provided for discussion purposes only, and is not an investing recommendation. Under no circumstances does any information or statement You may encounter in Our Products, Services or Website represent:  a solicitation, offer, opinion, or recommendation by GNM to buy or sell any security, or to provide legal, tax, accounting, or investment advice or services regarding the profitability or suitability of any security or investment, nor is the information provided on this Site intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation.  Accordingly, anything to the contrary herein set forth notwithstanding, GNM, its affiliates, suppliers, agents, directors, officers, employees, representatives, successors, and assigns shall not, directly or indirectly, be liable, in any way, to You or any other person for any: (a) inaccuracies or errors in or omissions from this Site including, but not limited to, quotes and financial data; (b) delays, errors, or interruptions in the transmission or delivery of this Site; or (c) loss or damage arising therefrom or occasioned thereby, or by any reason of nonperformance. GNM Group, LLC does not provide any computer equipment or internet connectivity services for Users. You are completely responsible for securing and paying for any such equipment and services, and for ensuring that such equipment and services meets the minimum requirements for the use of Our Products, Services and Website.  Obtaining any materials through this Website, is done at Your own discretion and at Your own risk.  GNM Group, LLC shall have no responsibility for any loss of data or damage to Your computer system that results from the download of any Products, materials, information, or the use of any of Our Services. GNM Group, LLC makes no warranties that the Products, Services or Website will be free of computer viruses or any other harmful mechanisms.  The User will not hold GNM Group, LLC responsible for any damages that result from access to any of Our Products, Services, Website or Content. Although We cannot make an absolute guarantee of system security, GNM Group, LLC takes reasonable steps to maintain security. If You have reason to believe system security has been breached, contact us by e-mail for help.  

User-supplied Content

GNM Group, LLC has the right, but not the obligation, to monitor, modify, restrict the contribution of and/or remove any user-supplied content.  We shall exercise this right at Our own discretion and have no liability or responsibility to Users for performing or not performing these activities. GNM Group, LLC is not responsible to the User for Your use of or reliance on any of the materials, information or Content related in any way to all or any of Our Products, Services, Website, or user-supplied content.  The User assumes sole risk and responsibility for any loss or damage resulting from, or related in any way to any Content, including user-supplied content that the User accesses through the use of Our Products, Services or Websites. By accessing any of Our Products, Services or Website, the User takes sole responsibility for exposure to and reliance on Content or user-supplied content that could be detrimental to the User. GNM Group, LLC does not confirm that each user is who they claim to be.  By using any of Our Products, Services or Website, You release GNM Group, LLC, , from claims, demands, actual damages and consequential damages, whether direct or indirect, of every kind and nature, disclosed and undisclosed, known and unknown, suspected and unsuspected, arising out of or in any way related to or connected with any dispute among or between You and one or more Users. If You are a California resident, You waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”  

Limitation of Liability



You agree to defend, indemnify and hold harmless GNM Group, LLC, Our officers, directors, shareholders, employees and agents from and against any and all claims, liabilities, damages, losses or expenses, including reasonable professional fees and attorneys’ fees (through and including all appellate levels) and costs, arising out of or in any way connected with Your access to or use of any of Our Products, Services, Content or Website.  

Third Party Links and Products

This Website may contain links to websites controlled by third parties (“Third Party Site”).  GNM Group, LLC controls only the Content located at https://marladukharan.com/ and any other Website that GNM Group, LLC represents, as stated on such other Website. GNM Group, LLC is not responsible for and does not endorse or accept any responsibility for the availability, Contents, Products, Services or use of any Third Party Site, any website accessed from a Third Party Site, any changes to or updates to such sites, nor to the quality or nature of any of the Third Party Products or Services purchased through the  Third Party Site. Any such undertaking, representation, warranty or guarantee would be furnished solely by the proprietor of the applicable website or the provider of the relevant product, under the terms agreed to by that third party.  You acknowledge that You bear all risks associated with access to and use of content provided on a Third Party Site and agree that GNM Group, LLC is not responsible for any loss or damage of any sort You may incur from dealing with a third party.  

Ownership of Intellectual Property

This Website is owned and operated by GNM Group, LLC.  All right, title and interest in and to the materials and Content provided on this Website, including but not limited to information, documents, logos, graphics, sounds, images, design, text, intellectual property, and trademarks, are owned either by GNM Group, LLC or by Our respective third party authors, developers or vendors (“Third Party Providers”), and are protected, throughout the world, without limitation, pursuant to copyright and trademark laws and treaties.  No materials may be copied, reproduced, modified, republished, downloaded, uploaded, repackaged, posted, displayed, transmitted, distributed, redistributed or sold in any way, either in whole or in any part without the prior written permission and consent of GNM Group, LLC.  If permission and consent are individually granted under specific terms and conditions of use, this in no way compromises the copyright, trademark and proprietary rights of GNM Group, LLC, all of which are left intact and unaltered at all times.  Any rights not expressly granted herein are reserved by GNM Group, LLC. GNM Group, LLC hereby grants You permission to download, view, copy and print materials on any single, stand-alone computer solely for Your personal, informational, non-commercial use provided that (a) the copyright and trademark notice appearing in connection therewith appears in such materials, (b) the materials are not used on any other website or in a networked computer environment and (c) the materials are not modified in any way. This permission terminates automatically without notice if You breach any of the terms or conditions of these Terms of Use. On any such termination, You agree to immediately destroy any downloaded and printed materials. Any unauthorized use of any materials contained on this Site may violate copyright laws, trademark laws, treaties, laws of privacy and publicity and communications regulations and statutes.  


For information regarding GNM Group, LLC’s use of information collected in connection with the Service, please refer to the GNM Group, LLC Privacy Policy, hereby incorporated by reference. Please review the GNM Group, LLC Privacy Policy before You complete the purchase or registration process or attempt to access or use any aspects of the service.  


  Some elements of the Service are available to any User, while other elements (“Subscription Services”) are only available to Users who have purchased a subscription from GNM Group, LLC according to these Terms of Use and conditions or otherwise by written agreement with GNM Group, LLC. GNM Group, LLC may at any time, in its sole discretion, change a freely available element of the Service to a Subscription Service, and vice versa. GNM Group, LLC may, in its sole discretion, offer Users a one-time, free trial period during which You may use Subscription Service(s) for free. The time period of any such free trial period may vary from time to time, and will be indicated at the time You register as a User. When You open an account (“Account”) to use or access certain portions of the Site or the Services, You may be asked to provide personal information in a questionnaire, application, form or similar document or Service.  You must provide complete and accurate information as requested on the registration form. This information will be protected pursuant to Our Privacy Policy. In addition, and solely for the purpose of enabling Your use of the applicable Service, You grant GNM Group, LLC a worldwide, royalty-free, license to use, reproduce, modify, distribute, and translate this personal information. You may revoke this license and terminate GNM Groups, LLC’s rights at any time by removing Your personal information from the applicable Service. You will also be asked to provide a user name and password. You are entirely responsible for the maintaining the confidentiality of Your password. You may not use a third party’s account, user name or password at any time. You agree to notify GNM Group, LLC immediately of any unauthorized use of Your Account, user name or password. GNM Group, LLC shall not be liable for any losses You incur as a result of someone else’s use of Your Account or password, either with or without Your knowledge. You may, at the discretion of GNM, be held liable for any losses incurred by GNM Group, LLC, Our affiliates, officers, directors, employees, consultants, agents and representatives due to someone else’s use of Your Account or password. Some Services, such as corporate subscriptions (“Corporate Subscription(s)”), may require the use of Your company name on Our Website solely for the purpose of enabling all employees of Your company to access the purchased Services at no additional fee.  By purchasing a Corporate Subscription, You authorize GNM Group, LLC to use Your company name on Our Website for this purpose. If Your company does not wish to have its name published, You agree to notify GNM Group, LLC at info@marladukharan.com in writing in order to ensure it is removed.  


You undertake to keep confidential and not to disclose to any third party or to use itself, any confidential or secret information in any form directly or indirectly belonging or relating to GNM Group, LLC, its or their business affairs, disclosed by GNM Group, LLC or received by You pursuant to or in the course of this Agreement (“Confidential Information”). You undertake to disclose Confidential Information of GNM Group, LLC only to those of its officers, employees, agents and contractors to whom and to the extent to which disclosure is necessary for the purposes contemplated under this Agreement. The above obligations of confidentiality and non-use shall not apply to information or material (a) which is named by You prior to receipt from GNM Group, LLC as evidenced by documents in the possession of You at the time of disclosure; (b) which, after receipt from GNM Group, LLC, is disclosed to You by a third party having the legal right to do so; (c) which is available to the public at the time of receipt of GNM Group, LLC; or (d) which becomes available to the public after receipt from GNM Group, LLC through no fault of You.  

Use of Content

The term content(s) is also referred to in this Agreement as “material”, “intellectual property”, “Excel databases”, “report”, “product”, “service”, “text”, “webinars”, “Q&A”, “dashboard”, “publications”, “graphics”, “images”, “logos”, “audio”, “video”, “hypertext markup language”, “software”, “data”, “other content” and all other methods of delivering information, (collectively referred to as “Content(s)”). The Contents are the property of GNM Group, LLC and/or its business partners, affiliates, assigns, licensors or other respective owners. Once any entity for which You sign up to use this Website,  (“Organization”), or a person within it, has had access to any Content, all of which shall be subject to these conditions, You are agreeing that Your Organization is deemed to be aware of, and consents to, this Agreement. The GNM Group, LLC Content is protected under both United States and international intellectual property laws and treaties. Subject to all of the Terms of Use and conditions of this Agreement, GNM Group, LLC hereby grants You a personal, limited, non-exclusive, non-transferable and revocable right to view GNM Group, LLC Content on Your compatible computer or device solely for Your own non-commercial use in connection with the Service and solely as authorized by GNM Group, LLC in connection with the Service. GNM Group, LLC reserves the right to revoke this limited license at any time in its entirety or with respect to any GNM Group, LLC Content, for any reason, and at the sole discretion of GNM Group, LLC. Except as expressly set forth in this Agreement, all trademarks, service marks, trade names, domain names, slogans, logos, and other indicia of origin that appear on or in connection with the Service are the property of GNM Group, LLC and/or its affiliates and licensors. You may not copy, display or use any of these indicia of origin without prior written permission of the  owner thereof. All rights not expressly granted to You are reserved. For the avoidance of doubt, Your use of any of GNM Group, LLC’s Products, Services, Website and Content is under license and will terminate if this Agreement terminates, regardless of whether the relevant Service or GNM Group LLC, Content is free or You have paid for it; You will not obtain any ownership interest in any GNM Group, LLC Content through this Agreement or otherwise. You agree not to use, download, reproduce, modify, create derivative works from, summarize, display, perform, publish, distribute, disseminate, transmit, broadcast or circulate any GNM Group, LLC Content or any summaries or restatements of any GNM Group, LLC Content to any third party, except as expressly authorized by GNM Group, LLC in connection with the Service. Any unauthorized or prohibited use may subject the offender to civil liability and criminal prosecution under applicable federal and state laws. Access to the Services is restricted to the specific named users as identified to GNM Group, LLC. The Subscriber will notify GNM Group, LLC as soon as a user has left the company, or no longer requires access, so that a replacement user can be assigned access during the term of this Agreement. Where specific IP addresses are authorized to have access, these must be disclosed to GNM Group, LLC. The Subscriber also warrants that (i) it shall ensure that any user name, password or other identification measure employed to access the Services is not disclosed to any person other than the persons authorized to access the same; and (ii) that all authorized persons will use the Services only in accordance with this Agreement; and (iii) that its information technology systems and paper record systems are secure and not capable of penetration (including by ‘hacking’ or physically) by unauthorized persons and that all data derived from the Services shall be kept secure; and (iv) that it shall comply with all applicable laws and regulations relating to the activities contemplated under this Agreement.  

Accounts & Registration

You may establish one (1) User Account (the “Account”) for each email address You supply to GNM Group, LLC. Notwithstanding anything to the contrary herein, You acknowledge and agree that You shall have no ownership or other property interest in the Account, and You further acknowledge and agree that all rights in and to the Account (including but not limited to any GNM Group, LLC Content and the unique User name) are and shall forever be owned by GNM Group, LLC. When You register with any GNM Group, LLC Service, You will be asked to provide GNM Group, LLC with certain information (e.g. Your birthdate, gender, zip code, name, email address, country or territory of residence, and for Subscription Services, credit card and billing information, such as Your telephone number), and You agree to provide true, accurate, current and complete information about Yourself as prompted by such process (such information being “Personal Information”). If You open an Account, and any of Your Personal Information changes (e.g., new credit card number, expiration date, new address or email address, new phone number, etc.), You must update that information in Your Account. The User name that You select must comply with the requirements for other User-Supplied Content, and such other policies that GNM Group, LLC may publish from time to time. You agree that You will not allow others to use Your User name, password and/or Account. Further, if You are registering for an Account as authorized by a subscribing organization that has executed a separate agreement with GNM Group, LLC, for access to the Services, You must provide information identifying such subscribing organization. Only individuals authorized by a subscribing organization to access Services may use such identifying information.  

Subscription Services

If You elect to subscribe to Subscription Services, which may also may also referred to as Membership, Premium Membership, MD Insights, or all other subscription-based services collectively referred to as “Subscription Services” in this agreement, the fee therefore will be the price specified at the time of purchase. You hereby agree to pay all charges incurred by the Account, including subscription fees, applicable taxes, in accordance with the billing terms for access to the Service in effect at the time that the fee or charge becomes payable. If Your Subscription includes access to areas containing premium Content or Services, Your access to such areas may be subject to additional fees, terms and conditions, which will be separately disclosed in such areas. Your right to access the Service is subject to any limits established by GNM Group, LLC or by Your credit card issuer, billing service, or other payment method authorized by GNM Group, LLC. GNM Group, LLC may, in its sole and absolute discretion, suspend or terminate Your access to the Service and disable or delete the Account, if: (i) payment cannot be charged to Your credit or debit card; or (ii) GNM Group, LLC is unable to process and retain Your payment for any reason. If at any time You have a balance due on the Account, You agree that GNM Group, LLC can charge these unpaid fees to Your credit card, debit them from Your debit card, as applicable. You agree to reimburse GNM Group, LLC for all costs and expenses incurred by GNM Group, LLC in collecting payment due hereunder, including without limitation all bank or service charges, and any reasonable attorneys’ fees. You are responsible for any fees or charges incurred to access a Service through an Internet access provider or other third-party service. By subscribing to any Subscription Service You are representing to us that You are authorized to use the payment method You submit. If You are paying on behalf of another person, then You hereby agree to the terms of this Agreement and agree to take responsibility for the actions of such other person, including but not limited to any charges associated with that person’s use of any of the Subscription Services. Cancellation of Your subscription will take effect upon the end of the then-current Term, at which time You will no longer have access to any Subscription Services. We may change the terms of this Agreement at any time by notifying You of the change in writing or electronically (including without limitation, by email or by posting a notice on the Service that the terms have been “updated”). The changes also will appear in this document, which You can access at any time by going to the Help section of the Service. You signify that You agree to be bound by such changes by using a Service after changes are made to this Agreement. This Agreement shall be for an initial minimum period of 12 months (unless otherwise agreed in writing). The subscription shall be automatically renewed on the last day of this Agreement, for an equal period to that of the initial term. The Subscriber may terminate the Subscription by serving written notice, 60 days prior to the last day, of the end of, either the initial period or any subsequent periods thereafter, allowing the is Agreementbetween GNM Group, LLC and the Subscriber to expire on the last day of the term for which notice has been served. GNM Group, LLC may also notify the Subscriber at any time, during the term of this current Agreement of any changes in the cost to the Subscriber for the use of the online Services GNM Group, LLC offer during the subsequent term. GNM Group, LLC may terminate this Agreement, with immediate effect and without notice, in the event that the Subscriber has defaulted in the performance of any material provision contained in this Agreement and (where capable of remedy) such default has not been remedied within 30 days after written notice thereof shall have been given to the defaulting Party. Termination of this Agreement for any reason shall not affect GNM Group’s right to recover any moneys due at the time of termination or to recover damages for any breach of contract before termination.  

Availability of Services

GNM Group, LLC will use reasonable endeavors to ensure that the Products, Services, Content and Website will be made available to the Subscriber 24 hours per day throughout the Subscription Period. However GNM Group, LLC reserves the right to vary that time (“Normal Service Availability”) in any way, provided that it gives the Subscriber 48 hours notice of its intention to do so. GNM Group, LLC reserves the right to suspend the Services temporarily in the event of technical difficulties or other circumstances beyond the reasonable control of GNM Group, LLC. In the event of any such variation or suspension of Services, GNM Group, LLC will use all reasonable endeavors to resume normal service availability as soon as practicable but shall not be liable for any loss, damage or claim caused by such variation or suspension.  

Additional Terms

Some GNM Group, LLC Services may be subject to additional posted guidelines, rules or terms of service (“Additional Terms”) and Your use of such Services will be conditioned on Your agreement to the Additional Terms. If there is any conflict between these Terms of Use and the Additional Terms, the Additional Terms will control for that Service, unless the Additional Terms expressly state that these Terms of Use will control.  

Force Majeure

No Party shall be liable to the other for the delay or non-performance of its obligations under this Agreement arising from any cause or causes beyond its reasonable control including without limitation, any of the following: act of God, government act, war, fire, flood, explosion or civil commotion.  


No forbearance or delay by GNM Group, LLC in enforcing its rights will prejudice or restrict the rights of GNM Group, LLC, and no waiver of any such rights or of any breach of any contractual terms will be deemed to be a waiver of any other right or of any later breach. The benefit of this Agreement may not be assigned in whole or in part by the Subscriber without the prior written consent of GNM Group, LLC. This Agreement constitutes the whole agreement between GNM Group, LLC and the User or Subscriber, relating to GNM Group Products, Services, Content and Website(s), and supersedes and replaces any prior agreements and arrangements of whatever nature relating thereto. For the avoidance of doubt, GNM Group, LLC is hereby giving notice to You that Subscriptions provided previously under different contractual arrangements will continue under those earlier terms until the earliest termination date provided, whereupon the terms and conditions of this Agreement will prevail for any continuation of Service thereafter. These Terms of Use shall be construed and enforced in accordance with Florida law. Any action to enforce these Terms of Use and Conditions shall be brought in the federal or state courts located in Miami-Dade County, Florida.  The Courts of Florida shall have exclusive jurisdiction over all claims or disputes arising in relation to Our Products, Services, Website or Content, their use and these Terms. In the event any provision of this Agreement were to be held invalid, illegal or unenforceable in any sense, the validity of the remaining provisions of this Agreement shall not be affected as a result thereof, and such invalid, illegal or unenforceable provision shall be given as much of its full meaning as deemed allowed by such determining body

Code of Conduct

All Users agree not to: (a) make any unsolicited communication regarding promotions and/or advertising of Products or Services to any other User; (b) sell, rent, lease or otherwise assign to any third party any rights to any GNM Group, LLC Content or User-Supplied Content (other than Yours); (c) remove any proprietary notices or labels on any GNM Group, LLC Content or User-Supplied Content (other than Yours); (d) delete or alter any GNM Group, LLC Content or User-Supplied Content posted by any other User; (e) use any elements of the Service for any commercial purpose; (f) use any elements of the Service to invade the privacy of, or obtain personal information about, any User, or to obtain a list of Users; (g) use any elements of the Service to violate any law or right of any third party, including any publicity or privacy right, copyright, other intellectual property right, or any contractual, fiduciary or confidentiality obligation or duty, or to take any action that is harassing, libelous, defamatory, abusive, tortious, threatening, harmful or otherwise objectionable; (h) except as specifically permitted by GNM Group LLC’s files, use or attempt to use any engine, software, tool, agent or other device or mechanism to navigate or search any GNM Group LLC Website other than the search engine and search agents available from GNM Group, LLC on such GNM Group, LLC Website and other than generally available third party Web browsers (e.g., Mozilla Firefox, Microsoft Internet Explorer); (i) attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of any GNM Group, LLC Website; (j) aggregate, copy or duplicate, summarize or restate in any manner any of the GNM Group, LLC Content; (k) link to any GNM Group, LLC Content or information available from any GNM Group, LLC Site except using the hyperlink provided by GNM Group, LLC for such GNM Group, LLC Content, and then only as a direct link, without framing or hotlinking; or (l) interfere in any way with the performance of any element of the Service restricting access to certain portions of the Service, including, but not limited to, attempting to obtain passwords or other private information from other users or attempting to deceive GNM Group, LLC or other users as to Your identity or the source of any data transmitted by You or others. You will not contribute any User-Supplied Content that: (a) may be reasonably interpreted as a solicitation, advertisement or promotion of any kind; (b) contains any hyperlinks, “hidden” keywords or any keywords that are irrelevant to the themes of the Service; (c) engages in, endorses or promotes racism, bigotry, hatred, harassment, or physical harm of any kind against any group or individual; (d) promotes or endorses false or misleading information or illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous; (e) contains otherwise restricted or password only access pages, or hidden pages or images; (f) displays or links to pornographic, indecent or sexually explicit material of any kind; (g) provides or links to material that exploits people under the age of 18 or the age of majority in your jurisdiction in a sexual, violent or other manner, or solicits personal information from anyone under the age of 18 or the age of majority in your jurisdiction; or (h) provides or links to instructional information about illegal or harmful activities or activities that violate the rights of any other party, including without limitation, intellectual property infringement or misappropriation.    

Sources of Information

  All statistics and data contained in this Website was derived from official information sources, or other sources that GNM has deemed to be reliable, including government statistics offices, Central Banks, declarations of Ministries and officials representing state-owned, state-run, and government-related institutions and entities in media, press releases, events, conferences and other public spaces, public declarations of government officials, declarations in Parliament, international statistics offices, multilateral development banks and other related sources. All calculations in this Website are GNM calculations and represent estimates based on the information that was available at the time the estimates were made, and GNM Group LLC provides no warranties or guarantees to the accuracy of these calculations. All information and statistics in this file were tracked by GNM over the period 2011 to the present and could represent changes that GNM may have been unaware of at the time of publication. GNM Group LLC disclaims any liability for any loss or damages arising from errors, omissions, facts, views, information and opinions in any of Our Content. Some information contained in this Website was prepared by or obtained from sources that GNM Group LLC believed to be reliable and accurate at the time of publication. GNM Group LLC has not independently verified all estimates, facts and assumptions contained in this Website. GNM Group LLC does not guarantee the accuracy, completeness, fairness or timeliness of the content provided herein.  


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