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Budgeting 'blindness' hurts leadership's credibility & corporate survival. Our updated, industry verified Budget Ratios remove budgeting inaccuracies. They help in creating realistic goals with progressive Key Result Areas for key personnel by benchmarking performance to evolving industry realities.

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Remove budget errors, optimise process efficiency quickly...

  • Register for free with verified company registration no, sales revenues, wage bill, admin costs, turnover, marketing spends etc.
  • Check efficacy of your costs and budgets with corresponding industry budget ratios.
  • Align your planning and projected financial ratios with industry facts to correct errors & boost success-momentum.

Increment

Salary Increments Check trends across company size, region, revenues, manpower size and designations.

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Manpower

Manpower Planning Manage your HR supply chain and its resultant costs more intelligently across different variables.

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Wage Bill

Wage Bills– Plan and project realistic wage bills to stay competitive and sustain success momentum.

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Admin Cost

Administration Costs – Now plan accurately with greater confidence in negotiating win-win vendor contracts

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Agreement Terms and Privacy Policy


1. Budget Ratios is owned by HR Minds.com, a proprietorship company. The proprietor has also promoted another company by the name & style of Vector HR Consulting Pvt. Ltd.
2. ‘You’ herein is understood as authorized company personnel and acting on behalf of the company with all necessary company approvals, and neither Budget Ratios nor HR Minds.com nor Vector HR Consulting will be responsible nor held accountable for not verifying the authorization
3. ‘Industry’ as in this website does not mean all companies but verified members admitted to participate and clustered into groups as per generally understood industry jargon
4. ‘You’ agree that by registering on Budget Ratios, or by using our website, including our mobile applications, developer platform, complimentary/ paid services, or other information provided as part of the Budget Ratios services (collectively “Budget Ratios” or the “Services”), you are entering into a legally binding agreement with Budget Ratios (“we,” “us,” “our,” and “Budget Ratios”) based on the terms of this Budget Ratios User Agreement and the Budget Ratios Privacy Policy, which is hereby incorporated by reference (collectively referred to as the “Agreement”) and become a Budget Ratios member (“Member”). If you are using Budget Ratios on behalf of a company or other legal entity, you are nevertheless individually bound by this Agreement even if your company has a separate agreement with us. If you do not want to register an account and become a Budget Ratios Member, then do not enter into this Agreement, and do NOT click on “Save and Proceed” in the Create Your Company/ Organization Account page and do not access, view, download or otherwise use any Budget Ratios.com webpage, information or services. By clicking on “Save and Proceed” and thus creating the Company Account, you acknowledge that you have read and understood the terms and conditions of this Agreement and that you agree to be bound by all of its provisions. By clicking “Save and Proceed,” you also consent to use electronic signatures and acknowledge your click of the “Save and Proceed” button as one. Please note that the Budget Ratios User Agreement and Privacy Policy are also collectively referred to as Budget Ratios “Terms of Service.”

5. With this you confirm to the best of your knowledge and belief that your company owns the information you provide Budget Ratios under this Agreement, and may request its deletion at any time before the close of the same calendar day that it was entered (GMT 0530 hours is being followed) i.e. the data is then used for calculations. After the end of the calendar day, data, information or content that you have shared will not be deleted, as it was used for calculations and may have been stored by other users. However, as per the Privacy Policy, your name will remain confidential to other users, unless agreed otherwise. Additionally, you grant Budget Ratios/ HR Minds.com a nonexclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sublicenseable, fully paid up and royalty-free right to us to copy, prepare derivative works of, improve, distribute, publish, remove, retain, add, process, analyze, use and commercialize, in any way now known or in the future discovered, any information you provide, directly or indirectly to Budget Ratios/ HR Minds.com, including, but not limited to, any user generated content, ideas, concepts, techniques and/or data to the services, you submit to Budget Ratios/ HR Minds.com, without any further consent, notice and/or compensation to you or to any third parties. Any information you submit to us is at your own risk of loss. By providing information to us, you represent and warrant that you are entitled to submit the information and that the information is accurate, and not in violation of any contractual restrictions or other third party rights. It is your responsibility to keep your Budget Ratios/ HR Minds.com profile information accurate and updated.
6. To be eligible to use the Service, you must meet the following criteria and represent and warrant that you: (1) are not currently restricted from the Services, or not otherwise prohibited from having a Budget Ratios account, (2) are not a competitor of Budget Ratios or are not using the Services for reasons that are in competition with Budget Ratios/ HR Minds.com; (3) will only maintain one Budget Ratios account at any given time; (4) will use your real name and only provide accurate information to Budget Ratios; (5) have full power and authority to enter into this Agreement and doing so will not violate any other agreement to which you are a party; (6) will not violate any rights of Budget Ratios/ HR Minds.com or third party, including intellectual property rights such as copyright or trademark rights; and (7) agree to provide at your cost all equipment, software, mobile access, and internet access necessary to use the Services.
7. The profile you create on Budget Ratios will become part of Budget Ratios/ HR Minds.com and except for the information that you license to us (and is agreed to by Budget Ratios/ HR Minds.com) is owned by Budget Ratios/ HR Minds.com. However, between you and others, your account belongs to you. You agree to: (1) keep your password secure and confidential; (2) not permit others to use your account; (3) not use other’s accounts; (4) not sell, trade, or transfer your Budget Ratios/ HR Minds.com account to another party; and (5) not charge anyone for access to any portion of Budget Ratios/ HR Minds.com, or any information therein. Further, you are responsible for anything that happens through your account until you close down your account or prove that your account security was compromised due to no fault of your own. To close your account, please send us an email at info@budgetratios.com with the subject line ‘request to please close the account’. The closing of the account will be done after due verification, and it may be noted that data, information already provided prior to closing of the account will not be deleted as for reasons and terms mentioned before.
8. You agree to indemnify Us and hold Us harmless for all damages, losses and costs (including, but not limited to, reasonable attorneys’ fees and costs) related to all third party claims, charges, and investigations, caused by (1) your failure to comply with this Agreement, including, without limitation, your submission of content that violates third party rights or applicable laws, (2) any content you submit to the Services, and (3) any activity in which you engage on or through Budget Ratios/ HR Minds.com.
9. If you purchase any services that we offer for a fee, either on a one-time or subscription basis (“Paid Services”), you agree to Budget Ratiosm storing your payment information. You also agree to pay the applicable fees for other than Complimentary Account or Complimentary Services (including, without limitation, periodic fees for paid accounts) as they become due plus all related taxes, and to reimburse us for all collection costs and interest for any overdue amounts. Failure to pay may result in the termination/ suspension of your account or subscription. Depending on where you transact with us, the type of payment method used and where your payment method was issued, your transaction with us may be subject to foreign exchange fees or differences in prices, including because of exchange rates. Budget Ratios does not support all payment methods, currencies or locations for payment. Your obligation to pay fees continues through the end of the subscription period during which you cancel your subscription. All applicable taxes are calculated based on the billing information you provide to us at the time of purchase. You may cancel or suspend your Paid Services at any time. Budget Ratios refund policy does not guarantee refunds for lack of usage or dissatisfaction. You also acknowledge that Budget Ratios/ HR Minds.com’s Paid Services are subject to this Agreement and any additional terms related to the provision of the Paid Service.
10. If you believe that you are entitled or obligated to act contrary to this Agreement under any mandatory law, you agree to provide us with detailed and substantiated explanation of your reasons in writing at least 30 days before you act contrary to this Agreement, to allow us to assess whether we may, at our sole discretion, provide an alternative remedy for the situation, though we are under no obligation to do so.
11. For purposes of service messages and notices about the Services, Budget Ratios may place a banner notice across its pages to alert you to certain changes such as modifications to this Agreement. Alternatively, notice may consist of an email from Budget Ratios to an email address associated with your account, even if we have other contact information. You also agree that Budget Ratios/ HR Minds.com may communicate with you through your Budget Ratios account or through other means including email, mobile number, telephone, or delivery services including the postal service about your Budget Ratios account or services associated with Budget Ratios. You acknowledge and agree that we shall have no liability associated with or arising from your failure to do so maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about the Service.
12. Budget Ratios/ HR Minds.com may offer the Services through applications built using Budget Ratios/ HR Minds.com’s platform (“Budget Ratios/ HR Minds.com Applications”). Examples of Budget Ratios/ HR Minds.com Applications include smart phone applications (Budget Ratios/ HR Minds.com for Android, Budget Ratios/ HR Minds.com for Blackberry or Budget Ratios/ HR Minds.com for iPhone), and other interactive plugins distributed on websites across the web. Budget Ratios/ HR Minds.com Applications are distinct from third party Platform Applications. If you use a Budget Ratios/ HR Minds.com Application or interact with a website that has deployed a plugin, you agree that information about you and your use of the Services, including, but not limited to, your device, your mobile carrier, your internet access provider, your physical location, or web pages containing Budget Ratios/ HR Minds.com plugins that load in your browser may be communicated to us. Further, by importing any of your Budget Ratios/ HR Minds.com data through the Budget Ratios/ HR Minds.com Application, you represent that you have authority to share the transferred data with your mobile carrier or other access provider. In the event you change or deactivate your mobile account, you must promptly update your Budget Ratios account information to ensure that your messages are not sent to the person that acquires your old number and failure to do so is your responsibility. You acknowledge you are responsible for all charges and necessary permissions related to accessing Budget Ratios/ HR Minds.com through your mobile access provider. Therefore, you should check with your provider to find out if the Services are available and the terms for these services for your specific mobile devices. Finally, by using any downloadable application to enable your use of the Services, you are explicitly confirming your acceptance of the terms of the End User License Agreement associated with the application provided at download or installation, or as may be updated from time to time.
13. Budget Ratios offers/ may offer in future various Forums/ Groups for Surveys, Queries, Updates, Ques & Ans, where you choose to - participate, post your queries/ respond to queries, post observations and comments on designated topics. Budget Ratios, in its sole discretion, may close or transfer Budget Ratios Forums/ Groups or remove content from them if the content violates this Agreement or others’ intellectual property rights. Please note that ideas you post and information you share may be seen and used by other Members, and Budget Ratios cannot guarantee that other Members will not use the ideas and information that you share on Budget Ratios. Therefore, if you have an idea or information that you would like to keep confidential or don’t want others to use, or that is subject to third party rights that may be infringed by your sharing it, do not post it to any Budget Ratios Forums/ Groups, or elsewhere on Budget Ratios. BUDGET RATIOS/ HR MINDS.COM IS NOT RESPONSIBLE FOR ANOTHER’S MISUSE OR MISAPPROPRIATION OF ANY CONTENT OR INFORMATION YOU POST ON BUDGET RATIOS.
14. Privacy: You should carefully read our full Privacy Policy before using Budget Ratios as it is hereby incorporated into this Agreement by reference, and governs our treatment of any information, including personally identifiable information you submit to us. Please note that certain information, statements, data, and content which you may submit to Budget Ratios, or Forums/ Groups you choose to join might, or are likely to, reveal your gender and/or other personal information about you. You acknowledge that your submission of any information, statements, data, and content to us is voluntary on your part and that Budget Ratios/ HR Minds.com may process such information, within the terms of the Privacy Policy.
15. If you provide feedback to Budget Ratios/ HR Minds.com, make sure you don’t include confidential or infringing materials, and you grant Budget Ratios/ HR Minds.com rights to such feedback.
16. By submitting ideas, suggestions, documents, or proposals (‘these’ or ‘them’) to Budget Ratios/ HR Minds.com through its suggestion or feedback webpages, you acknowledge and agree that: (a) these do not contain confidential or proprietary information; (b) Budget Ratios/ HR Minds.com is not under any obligation of confidentiality, express or implied, with respect to them; (c) Budget Ratios/ HR Minds.com shall be entitled to use or disclose (or choose not to use or disclose) them for any purpose, in any way, in any media worldwide; (d) Budget Ratios/ HR Minds.com may have something similar to these already under consideration or in development; (e) you irrevocably non-exclusively license to Budget Ratios/ HR Minds.com rights to exploit them; and (f) you are not entitled to any compensation or reimbursement of any kind from Budget Ratios/ HR Minds.com under any circumstances.
17. If you follow this agreement, we grant you a limited right to use Budget Ratios.
18. You will only access and use Budget Ratios in the way this agreement allows you.
19. On the condition that you comply with all your obligations under this Agreement, including, but not limited to, the Do’s and Don’ts listed below, we grant you a limited, revocable, nonexclusive, nonassignable, nonsublicenseable license and right to access the Services, through a generally available web browser, mobile device or Budget Ratios authorized application (but not through scraping, spidering, crawling or other technology or software used to access data without the express written consent of Budget Ratios or its Members), view information and use the Services that we provide on Budget Ratios webpages and in accordance with this Agreement. Any other use of Budget Ratios, or to use information gathered from Budget Ratios commercially (unless expressly authorized by Budget Ratios) is strictly prohibited and a violation of this Agreement. We reserve all rights not expressly granted in this Agreement, including, without limitation, title, ownership, intellectual property rights, and all other rights and interest in Budget Ratios/ HR Minds.com and all related items, including any and all copies made of the Budget Ratios/ HR Minds.com website.
20. We may change or discontinue Services, and in such case, we do not promise to keep showing or storing your information and materials. Paid Services members will be given a reasonable notice to download results as applicable
21. For as long as Budget Ratios continues to offer the Services, Budget Ratios shall provide and seek to update, improve and expand the Services. As a result, we allow you to access Budget Ratios as it may exist and be available on any given day and we have no other obligations, except as expressly stated in this Agreement. We may modify, replace, refuse access to, suspend or discontinue Budget Ratios, partially or entirely, or change and modify prices for all or part of the Services for you or for all our Members in our sole discretion. All of these changes shall be effective upon their posting on Budget Ratios.com or by direct communication to you unless otherwise noted. Budget Ratios further reserves the right to withhold, remove or discard any content available as part of your account, with or without notice if deemed by Budget Ratios to be contrary to this Agreement. For avoidance of doubt, Budget Ratios/ HR Minds.com has no obligation to store, maintain or provide you a copy of any content that you or other Members provide when using the Services.
22. Third parties may offer their own products and services through Budget Ratios, and we are not responsible for these third-party activities.
23. You agree that we can use, store and share information about you as permitted in our Privacy Policy.
24. You acknowledge, consent and agree that we may access, preserve, and disclose your registration and any other information you provide in accordance with the terms of the Privacy Policy if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary in our opinion to: (1) comply with legal process, including, but not limited to, civil and criminal subpoenas, court orders or other compulsory disclosures; (2) enforce this Agreement; (3) respond to claims of a violation of the rights of third parties, whether or not the third party is a Member, individual, or government agency; (4) respond to customer service inquiries; or (5) protect the rights, property, or personal safety of Budget Ratios/ HR Minds.com, our Members or the public.
25. We have the right to limit the connections and interactions on the Service.
26. You are solely responsible for your interactions with other Members. Budget Ratios may limit the number of connections you may have to other Members and may, in certain circumstances, prohibit you from contacting other Users through use of the Services or otherwise limit your use of the Services. Budget Ratios reserves the right, but has no obligation, to monitor disputes between you and other members and to restrict, suspend, or close your account if Budget Ratios determines, in our sole discretion, that doing so is necessary to enforce this Agreement.
27. The Service includes the copyrights and Intellectual property rights of Budget Ratios/ HR Minds.com and except for the limited license granted to you earlier, Budget Ratios/ HR Minds.com reserves all of its intellectual property rights in the Service. Budget Ratios/ HR Minds.com, the logos and other Budget Ratios/ HR Minds.com trademarks, service marks, graphics, and logos used in connection with Budget Ratios/ HR Minds.com. Other trademarks and logos used in connection with Budget Ratios/ HR Minds.com may be the trademarks of their respective owners. This Agreement does not grant you any right or license with respect to any such trademarks and logos.
28. We disclaim any legal liability for the quality, safety or reliability of Budget Ratios/ HR Minds.com.
29. Some countries and jurisdictions do not allow the disclaimer of implied terms in contracts with consumers and as a result the contents of this section may not apply to you. Do not rely on Budget Ratios/ HR Minds.com or its suppliers, any information therein, or its continuation. We provide the platform for budget ratios/ hr minds.com and all information and services on an “as is” and “as available” basis. Budget Ratios/ HR Minds.com does not control or vet user generated content for accuracy. We do not provide any express warranties or representations. To the fullest extent permissible under applicable law, Budget Ratios/ HR Minds.com and its suppliers disclaim any and all implied warranties and representations, including, without limitation, any warranties of merchantability, fitness for a particular purpose, title, accuracy of data, and non-infringement. If you are dissatisfied or harmed by Budget Ratios/ HR Minds.com or anything related to Budget Ratios/ HR Minds.com, you may close your Budget Ratios/ HR Minds.com account and terminate this agreement in accordance with the terms and such termination shall be your sole and exclusive remedy. Budget Ratios/ HR Minds.com is not responsible, and makes no representations or warranties for the delivery of any messages (such as mails, posting of answers or transmission of any other user generated content) sent through Budget Ratios/ HR Minds.com to anyone. In addition, we neither warrant nor represent that your use of the service will not infringe the rights of third parties. Any material, service, or technology described or used on the website may be subject to intellectual property rights owned by third parties who have licensed such material, service, or technology to us. Budget Ratios/ HR Minds.com does not have any obligation to verify the identity of the persons subscribing to its services, nor does it have any obligation to monitor the use of its services by other users of the website; therefore, Budget Ratios/ HR Minds.com disclaims all liability for identity theft or any other misuse of your identity or information by others. Budget Ratios/ HR Minds.com does not guarantee that the services it provides will function without interruption or errors in functioning. In particular, the operation of the services may be interrupted due to maintenance, updates, or system or network failures. Budget Ratios/ HR Minds.com disclaims all liability for damages caused by any such interruption or errors in functioning. Furthermore, Budget Ratios/ HR Minds.com disclaims all liability for any malfunctioning, impossibility of access, or poor use conditions of the Budget Ratios/ HR Minds.com site due to inappropriate equipment, disturbances related to internet service providers, to the saturation of the internet network, and for any other reason.
30. We are trying to limit any legal liability Budget Ratios/ HR Minds.com may have to you.
31. LIMITATION OF LIABILITY. SOME COUNTRIES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU. Neither Budget Ratios/ HR Minds.com nor any of our subsidiaries, affiliated companies, suppliers, employees, shareholders, or directors (“Budget Ratios/ HR Minds.com Affiliates”) shall be cumulatively liable for any damages in excess of two times the most recent monthly fee that you paid for a Paid Service, if any, This limitation of liability is part of the basis of the bargain between the parties and without it the terms and prices charged would be different. This limitation of liability shall:
32. Apply regardless of whether (1) you base your claim on contract, tort, statute or any other legal theory, (2) we knew or should have known about the possibility of such damages, or (3) the limited remedies provided in this section fail of their essential purpose; and
33. Mutual rights of termination : You may terminate this Agreement, for any or no reason, at any time, with notice to Budget Ratios. This notice will be effective upon Budget Ratios processing your notice. Budget Ratios may terminate this Agreement and your account for any reason or no reason, at any time, with or without notice. This cancellation shall be effective immediately or as may be specified in the notice. For avoidance of doubt, only Budget Ratios/ HR Minds.com or the party paying for the services may terminate your access to any Paid Services. Termination of your Budget Ratios account includes disabling your access to Budget Ratios and may also bar you from any future use of Budget Ratios.
34. Budget Ratios/ HR Minds.com may restrict, suspend or terminate the account of any Member (Complimentary or Paid) who abuses or misuses the Services. Misuse of the Services includes abusing the Budget Ratios Services; creating multiple or false profiles; using the Services commercially without Budget Ratios/ HR Minds.com’s authorization, infringing any intellectual property rights, violating any of the Do’s and Don’ts listed, or any other behavior that Budget Ratios/ HR Minds.com, in its sole discretion, deems contrary to its purpose.
35. Upon termination of your Budget Ratios account, you lose access to the Services. The terms of this Agreement shall survive any termination.
36. Dispute Resolution: In the unlikely event we end up in a legal dispute, it will take place in Delhi state courts.
37. This Agreement or any claim, cause of action or dispute (“claim”) arising out of or related to this Agreement shall be governed by the laws of the state of Delhi, India regardless of your country of origin or where you access Budget Ratios, and notwithstanding of any conflicts of law principles. You and Budget Ratios/ HR Minds.com agree that all claims arising out of or related to this Agreement must be resolved in the state of Delhi exclusively. Notwithstanding the above, you agree that Budget Ratios/ HR Minds.com shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.
38. Each of us will have the right to choose arbitration in the state of Delhi, India.
39. If any provision of this Agreement is found by a court of competent jurisdiction or arbitrator to be illegal, void, or unenforceable, the unenforceable provision will be modified so as to render it enforceable and effective to the maximum extent possible in order to effect the intention of the provision; if a court or arbitrator finds the modified provision invalid, illegal, void or unenforceable, the validity, legality and enforceability of the remaining provisions of this Agreement will not be affected in any way.
40. We may notify you via postings on www.Budget Ratios.com. You may contact us at info@budgetraios.com with appropriate subject line
41. You agree that this Agreement constitutes the entire, complete and exclusive agreement between you and Budget Ratios/ HR Minds.com regarding the Services and supersedes all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of this Agreement. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other Budget Ratios/ HR Minds.com services, third-party content or third party software.
42. We reserve the right to modify, supplement or replace the terms of this Agreement, effective upon posting at www.Budget Ratios.com or notifying you otherwise. E.g. we may present a banner on the Services when we have amended this Agreement or the Privacy Policy so that you may access and review the changes prior to your continued use of the site. If you do not want to agree to changes to this Agreement, you can terminate this Agreement at any time as per the terms of termination mentioned earlier.
43. Our failure to act with respect to a breach of this Agreement by you or others does not waive our right to act with respect to that breach or subsequent similar or other breaches. Except as expressly and specifically contemplated by the Agreement, no representations, statements, consents, waivers or other acts or omissions by any Budget Ratios/ HR Minds.com affiliate shall be deemed legally binding on any Budget Ratios/ HR Minds.com affiliate, unless documented in a physical writing hand signed by a duly appointed officer of Budget Ratios/ HR Minds.com.
44. You waive your rights to try to stop Budget Ratios/ HR Minds.com, but we don’t waive our rights to ask a court to stop your actions.
45. In no event shall you seek or be entitled to rescission, injunctive or other equitable relief, or to enjoin or restrain the operation of the Service, exploitation of any advertising or other materials issued in connection therewith, or exploitation of the Services or any content or other material used or displayed through the Services.
46. You can’t assign your rights under this agreement, but we can.
47. You may not assign or delegate any rights or obligations under the Agreement. Any purported assignment and delegation shall be ineffective. We may freely assign or delegate all rights and obligations under the Agreement, fully or partially without notice to you. We may also substitute, by way of unilateral novation, effective upon notice to you, Budget Ratios/ HR Minds.com Corporation for any third party that assumes our rights and obligations under this Agreement.
Budget Ratios “DOs” and “DON’Ts.”
48. As a condition to access Budget Ratios.com, you agree to this User Agreement and to strictly observe the following DOs and DON’Ts:
49. Here’s a list of some of the specific things we ask you to do and not do on Budget Ratios.com.
As Members, we Do undertake the following:
50. to Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements;
51. to Provide accurate information to us and update it as necessary;
52. to Review and comply with our Privacy Policy;

53. to Review and comply with notices sent by Budget Ratios/ HR Minds.com concerning the Services;
54. to Use the Services in a professional manner; and
55. to Use my real name on the profile.
As Members, we Undertake not to do the following:
56. Act dishonestly or unprofessionally by engaging in unprofessional behavior by posting inappropriate, inaccurate, or objectionable content to Budget Ratios
57. Publish inaccurate information in the designated fields.
58. Harass, abuse or harm another person, including sending unwelcomed communications to others using Budget Ratios;
59. Invite people you do not know to join your network;
60. Use or attempt to use another's account or create a false identity on BudgetRatios.com;
61. Upload, post, email, Mail, transmit or otherwise make available or initiate any content that:
A. Falsely states, impersonates or otherwise misrepresents your and your company’s identity;
B. Is unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable;
C. Adds to a content field content that is not intended for such field (e.g. submitting a telephone number in the “title” or any other field, or including telephone numbers, email addresses, street addresses or any personally identifiable information for which there is not a field provided by Budget Ratios);
D. Includes information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
E. Infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights;
F. Includes any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation. This prohibition includes but is not limited to (a) using Budget Ratios/ HR Minds.com invitations to send messages to people who don’t know you or who are unlikely to recognize you as a known contact; (b) using Budget Ratios/ HR Minds.com to connect to people who don’t know you and then sending unsolicited promotional messages to those direct connections without their permission;
G. Contains software viruses, worms, or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment of Budget Ratios/ HR Minds.com or any user of Budget Ratios/ HR Minds.com;
H. Forges headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the Services; or
62. Duplicate, license, sublicense, publish, broadcast, transmit, distribute, perform, display, sell, rebrand, or otherwise transfer information found on Budget Ratios.com (excluding content posted by you) except as permitted in this Agreement, Budget Ratios developer terms and policies, or as expressly authorized by Budget Ratios/ HR Minds.com;

63. Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property used to provide the Services, or any part thereof;
64. Utilize or copy information, content or any data you view on or obtain from Budget Ratios to provide any service that is competitive, in Budget Ratios/ HR Minds.com’s sole discretion, with Budget Ratios/ HR Minds.com;
65. Imply or state, directly or indirectly, that you are affiliated with or endorsed by Budget Ratios/ HR Minds.com unless you have entered into a written agreement with Budget Ratios/ HR Minds.com (this includes, but is not limited to, representing yourself as an accredited Budget Ratios/ HR Minds.com partner);
66. Adapt, modify or create derivative works based on Budget Ratios.com or technology underlying the Services, or other Members’ content, in whole or part, except as permitted under Budget Ratios/ HR Minds.com’s developer program;
67. Rent, lease, loan, trade, sell/re-sell access to Budget Ratios.com or any information therein, or the equivalent, in whole or part;
68. Sell, sponsor, or otherwise monetize any service or functionality of Budget Ratios, without the express written permission of Budget Ratios/ HR Minds.com;
69. Deep-link to the Site for any purpose, (i.e. creating or posting a link to a Budget Ratios/ HR Minds.com web page other than Budget Ratios/ HR Minds.com’s home page) unless expressly authorized in writing by Budget Ratios/ HR Minds.com;
70. Remove any copyright, trademark or other proprietary rights notices contained in or on Budget Ratios/ HR Minds.com, including those of both Budget Ratios/ HR Minds.com and any of its licensors;
71. Remove, cover or otherwise obscure any form of advertisement included on Budget Ratios.com;
72. Collect, use, copy, or transfer any information, including, but not limited to, personally identifiable information obtained from Budget Ratios/ HR Minds.com except as expressly permitted in this Agreement or as the owner of such information may expressly permit;
73. Infringe or use Budget Ratios/ HR Minds.com’s brand, logos or trademarks, including, without limitation, using the word “Budget Ratios/ HR Minds.com” in any business name, email, or URL or including Budget Ratios/ HR Minds.com’s trademarks and logos except as expressly permitted by Budget Ratios/ HR Minds.com;
74. Use manual or automated software, devices, scripts robots, other means or processes to access, “scrape,” “crawl” or “spider” any web pages or other services contained in the site;
75. Use bots or other automated methods to access Budget Ratios/ HR Minds.com, add or download contacts, send or redirect messages, or perform other similar activities through Budget Ratios/ HR Minds.com, unless explicitly permitted by Budget Ratios/ HR Minds.com;
76. Access, via automated or manual means or processes, Budget Ratios/ HR Minds.com for purposes of monitoring Budget Ratios/ HR Minds.com’s availability, performance or functionality for any competitive purpose;
77. Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of Budget Ratios website;
78. Attempt to or actually access Budget Ratios by any means other than through the interfaces provided by Budget Ratios such as its mobile application or by navigating to http://www.BudgetRatios.com using a web browser. This prohibition includes accessing or attempting to access Budget Ratios using any third-party service, including software-as-a-service platforms that aggregate access to multiple services, including BudgetRatios.com;
79. Attempt to or actually override any security component included in or underlying Budget Ratios.com;
80. Engage in any action that directly or indirectly interferes with the proper working of or places an unreasonable load on Budget Ratios/ HR Minds.com’s infrastructure, including, but not limited to, sending unsolicited communications to other Members or Budget Ratios/ HR Minds.com personnel, attempting to gain unauthorized access to Budget Ratios/ HR Minds.com, or transmitting or activating computer viruses through or on Budget Ratios/ HR Minds.com; and/or
81. Interfere or disrupt Budget Ratios/ HR Minds.com or the Services, including, but not limited to, any servers or networks connected to Budget Ratios/ HR Minds.com, or Budget Ratios/ HR Minds.com's search algorithms.
82. If you think someone has stolen or misused your intellectual property on Budget Ratios/ HR Minds.com, please let us know immediately.
83. We built Budget Ratios to help you and your company be a more successful professional/ company, and to help professionals & companies succeed. To achieving this purpose, we encourage our Members to share truthful and accurate information. We also respect the intellectual property rights of others. Accordingly, this Agreement requires that information posted by Members be accurate and not in violation of the intellectual property rights or other rights of third parties. To promote these objectives, Budget Ratios provides a process for submission of complaints concerning content posted by our Members. Please send your content related complaints to complaints@budgetratios.com.


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Only company authorized personnel may create an account for their company by providing information below. Budget Ratios is not responsible to verify this authorization.
Please provide authentic current information with correct spellings. This information will be verified by Budget Ratios before sending you the login information. Please note – information once entered cannot be changed by you.
The Name, Designation, Mobile Number, Email address should be that of the authorized company personnel only.


*Company/ Organisation Name
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*PSU, Indian, MNC
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*Mobile Number
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