Terms of Services
Updated on 24th June 2015
1. Description of Services
In the Site, Hiode provides users with access to information primarily about Financial and Utility Services including but not restricted to General Insurance, Life Insurance, Loans, Credit Cards, Communication and Entertainment Services (the “Service”). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the services that you have selected. You hereby agree that Hiode may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfill your demand. You also agree that Hiode reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Hiode through email or SMS.
2. License and Site Access
Hiode grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Hiode’s sole discretion) an unreasonable or disproportionately large load on Hiode’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Hiode to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Hiode. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) “frame”, “mirror” or otherwise incorporate any part of this Site into any other website without our prior written authorization.
The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Hiode for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.
4. Your Account
5. Submitted Content
Hiode does not claim ownership of any materials you make available through the Site. At Hiode’s sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant Hiode a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sub-license such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content). You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section 4. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site.
6. Disclaimer of Liability and Warranty
The Content, Products, and Services Published on this site may include inaccuracies or errors, Including Pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly reserves the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. Hiode makes no representation about the suitability of the information, Software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided ‘AS IS’ without warranty of any kind. Hiode disclaims all warranties and conditions that this site, its services or any email sent from Hiode, its affiliates, and/or their respective suppliers are free of viruses or other harmful components. Hiode hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The suppliers providing services on this site are independent affiliates are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such suppliers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. Hiode and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall Hiode and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Hiode and/or its affiliates their respective suppliers have been advised of the possibility of such damages.
7. Disclaimer of Online Availability,Impressions, And Click-Throughs
In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of hiode.com, its web pages, and any material, information, links, or content presented on the web pages at hiode.com. hiode.com, its web pages, and any material, information, links, or content presented on the web pages at hiode.com, may be unavailable for online access at anytime. Advertising sponsors and advertising must be approved by Hiode before the posting of any advertising material, information, links, content, banners, and graphics on hiode.com. Any advertising should be related to interactive digital television and related subject areas. Hiode reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.
8. License Disclaimer
Nothing on any Hiode’s website shall be construed as conferring any license under any of Hiode’s or any third party’s intellectual property rights, whether by stopple, implication, or otherwise.
9. Local Laws
Hiode controls and operates this Website from its headquarters in Bangalore, India and makes no representation that the materials on the website are appropriate or available for use in other locations. If you use this Website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. Disputes if any shall be subject to the exclusive jurisdiction of Courts at Bangalore.
10. Limitation of Liability
You expressly understand and agree that Hiode and its subsidiaries, affiliates, officers, employees, agents, partners and licencors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if jet-setter has been advised of the possibility of such damages), resulting from use of the site, content or any related services. If, despite the limitation above, Hiode or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of Hiode and/or Its Affiliates will in no event exceed, in the aggregate, the greater of (a) the service fees you paid to Hiode in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100) The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of Hiode, Its Affiliates, and/or their respective suppliers.
You agree to indemnify and hold Hiode (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys’ fees, or arising out of or related to your breach of this TOS, your violation of any law or the rights of a third party, or your use of the Site.
12. Electronic Communication
When you use the Site or send emails to Hiode, you are communicating with Hiode electronically. You consent to receive communications from Hiode electronically. Hiode may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
13. Site-Provided Email and Postings
The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. Hiode is under no obligation to review any messages, information or content (“Postings”) posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Hiode may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree not to use any functionality provided by the Site to post content or initiate communications that contain: (i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law; (ii) Advertisements or solicitations of any kind; (iii) Impersonate others or provide any kind of false information; (iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.; (v) Messages by non-spokesperson employees of Hiode purporting to speak on behalf of Hiode or containing confidential information or expressing opinions concerning Jet-setter; (vi) Messages that offer unauthorized downloads of any copyrighted or private information; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; or (ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message. This prohibition includes but is not limited to a) Using Hiode to send messages to people who don’t know you or who are unlikely to recognize you as a known contact; b) Using Hiode to connect to people who don’t know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases.
The Site or third parties may provide links to other World Wide Web sites or resources. Because Hiode has no control over such sites and resources, you acknowledge and agree that Hiode is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Hiode shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.
15. Access To Password Protected/Secure Areas
Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
16. Modification and Notification of Changes
The trademarks, logos and service marks (“Marks”) displayed on the Site are the property of Hiode and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as meta-tags on other pages or sites on the World Wide Web without the written permission of our company or such third party which may own the Marks. All information and content including any software programs available on or through the Site (“Content”) is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.
18. Survival of Terms After Agreement Ends
Notwithstanding any other provisions of this TOS, or any general legal principles to the contrary, any provision of this TOS that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this TOS.
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforce-ability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. This TOS and the relationship between you and Hiode will be governed by the laws of the India without regard to its conflict of law provisions. You and Hiode agree to submit to the personal jurisdiction of the courts located in Bangalore jurisdiction with respect to any legal proceedings that may arise in connection with this TOS. The failure of Hiode to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Hiode does not guarantee it will take action against all breaches of this TOS. Except as otherwise expressly provided in this TOS, there shall be no third-party beneficiaries to this TOS. This TOS constitutes the entire agreement between you and Hiode and governs your use of the Site, superseding any prior agreements between you and Hiode with respect to the Site.
Hiode.com intends to provide clear information about insurance products and services. The information and data are generic in nature. Our efforts are to offer accurate and responsible data. We are not responsible for any sort of discrepancies.
There is no purpose of violating any copyright or intellectual copyrights issue. All information provided on the portal hiode.com is subject to the discretion of the same and is likely to change without any notice. Though, any changes in public utility will be communicated immediately in our portal.
We have tried to maintain high standards in quality, clarity and accuracy of the material posted on the portal. Hiode.com is not legally responsible for the same in any matter what so ever. Employees, partners and associated staff of hiode.com are not accountable for any loss, harm or damage occurring due to usage of information from the portal. Customers are advised to use their own discretion in such matters. It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the customer to understand the limitations of insurance policies and the risks involved, we take no liability in such cases.
Read the subject documents carefully. The information provided on the portal is of financial, insurance and legal purposes. It is a mutual understanding that customers association with the portal will be at the customer’s preference and risk.
Visitors to this website/portal and every third party is hereby informed that the owners of this website/portal, viz., Hiode LLC, are not the agents or intermediaries of the insurers, whose products are dealt with in this website/portal. They are also not the sub-agents or sub-intermediaries of the agents and intermediaries of the respective insurers. Though endeavor is made to make correct policy/product comparisons, quotes, features, etc., based on the information provided by the insurers or its agents or intermediaries, it is made abundantly clear that Hiode LLC, its directors, shareholders, officers and employees and hiode.com are in no way responsible to or liable for any one for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.
Not-withstanding anything mentioned before, we reserve the right to contact you via any mechanisms, not limited to email, SMS, or phone calls, to solicit feedback of your experience and to provide any additional services that you would be eligible for, either as a customer or as a visitor. We should not be held liable for any damages occurring to you as part of feedback solicitation and additional service provision.
“Whether you want your web browser to accept cookies or not is up to you. If you haven’t changed your computer’s settings, most likely your browser already accepts cookies. If you choose to decline cookies, you may not be able to fully experience all features of the website. You can also delete your browser cookies of disable them entirely. But this may significantly impact your experience with our website and may make parts of our website non functional or inaccessible. We recommend that you leave them turned on.”