These are the general terms and conditions for use of
www.howdenoneclick.com (link is external) (the "Site"). The Site is
operated by Howden Insurance Brokers India Private Limited ("HOWDEN
INDIA"). Please read these terms and conditions carefully. Your use of
the Site will be subject to these terms and conditions. If you have any
enquiries or complaints (about the Site or someone else's use of the
Site) then address them to: grievances@howdenindia.com or
- Howden Insurance Brokers India Pvt. Ltd.
- 6th Floor, Peninsula Chambers,
- Peninsula Corporate Park,GanpatraoKadam Marg
- Lower Parel, Mumbai – 400013 ,India
- Telephone No. : +91 (0) 22 6655 8888 / 00
- Fax No. : +91(0) 22 6654 8833
Disclaimer:
All content provided on this Web site is based upon information which
we believe to be reliable and should be understood to be general
insurance information only. It is not intended to be taken as advice
with respect to any individual situation and cannot be relied upon as
such. Users of this site should consult their insurance advisors with
respect to individual coverage issues.
What you are allowed to do?
You may only use the Site for personal use and only in accordance
with these terms. Additional terms may apply to the use of particular
parts of the Site and products and services which are available from it
from time to time. You may print a copy of any page of the Site, for
your own personal purposes, provided you do not do any of the things set
out under "What you are not allowed to do".
What you are not allowed to do?
Except to the extent expressly set out in these terms, you are not
allowed to: (i) make any copies of any part of the Site; or (ii) remove
or change anything on the Site. You must only use the Site and anything
available from the Site for lawful purposes, and you must comply with
all applicable laws, statutes and regulations.
Intellectual Property Rights:
HOWDEN INDIA is the sole/exclusive owner of all the intellectual
property and in particular all the patent rights, the copy-right/rights,
trademarks rights, database rights, trade secret rights and patents or
and in any software, application, graphics, text and other materials
used therein. A member may view, use or download a single copy of the
material/content of HOWDEN INDIA site solely for members personal,
internal and non-commercial use. The member should not use, modify,
publish, broadcast, transmit, transfer or sell, rent, lease, reproduce,
create derivative works from, distribute, circulate, disseminate,
perform, link, display or in any way exploit any product or intellectual
property, in whole or in part, except with the prior written consent of
HOWDEN INDIA
Information from the Site:
- The Site contains information of a general nature and should not be
treated as comprehensive. You should take appropriate professional
advice before relying on the information on the Site. It should not be
relied on as legal advice or a definitive statement of the law in any
jurisdiction. Please consult your legal counsel for any legal advice. No
liability is assumed by reason of the information on the site.
- You agree that your use of the Site is on an "as is" and "as
available" basis and that your use of the Site is at your sole risk. On
that basis, except as expressly set out in these terms, HOWDEN INDIA
does not enter into conditions, warranties or other terms in relation to
the Site (including any implied term relating to quality, fitness for a
particular purpose).
- You agree that the obtaining of any material through the Site is
carried out at your own risk and subject to clause (a), that HOWDEN
INDIA has no liability to you in respect of such material or the effects
of such material.
- You agree that the obtaining of any material through the Site is
carried out at your own risk and subject to clause (a), that HOWDEN
INDIA has no liability to you in respect of such material or the effects
of such material.
- HOWDEN INDIA may change the format and content of the Site from
time to time. You should refresh your browser each time you visit the
Site to ensure that you download the most up to date version of the
Site.
Limitation of Liability:
- HOWDEN INDIA does not, and nothing in these terms and conditions
shall act to exclude or limit HOWDEN INDIA's liability for death or
personal injury resulting from its negligence, fraud or any other
liability which may not by applicable law be excluded or limited.
- Subject to sub-clause (a) above, in no event shall HOWDEN INDIA be
liable (whether for breach of contract, negligence or for any other
reason) for any loss of profits, exemplary or special damages, loss of
sales, loss of revenue, loss of goodwill, loss of any software or data,
loss of bargain, loss of opportunity, loss of use of computer equipment,
software or data, loss of or waste of management or other staff time,
or for any indirect, consequential or special loss, however arising
- Subject to sub-clause (a) above, HOWDEN INDIA is not liable for any
action you may take as a result of relying on any information provided
on the Site.
External Links:
The Site may from time to time include links to external sites and
co-branded pages. HOWDEN INDIA has included links to these sites and
co-branded pages to provide you with access to information and services
that you may find useful or interesting. HOWDEN INDIA is not responsible
for the content of these site and pages or for anything provided by
them.
Viruses:
HOWDEN INDIA accepts no responsibility or liability for any damage to
hardware or software caused to you by downloading material from the
Site. You must ensure that your computer has all necessary software to
protect you from computer viruses.
Suspension and termination of service:
HOWDEN INDIA may suspend or terminate the operation of the Site at
any time. Access to or use of the Site or any pages linked to it will
not necessarily be uninterrupted or error free.
Personal data
HOWDEN INDIA does not, and nothing in these terms and conditions
shall act to exclude or limit HOWDEN INDIA's liability for loss, misuse,
or alteration of data collected from the site.
General and Governing Law:
HOWDEN INDIA may change these terms and conditions from time to time
and will endeavor to notify you of any major changes by posting a
message on the Site. You should check these terms and conditions each
time you revisit the Site. These terms and conditions form the entire
understanding of the parties and super cede all previous agreements,
understandings and representations relating to the subject matter. If
any provision of these terms and conditions is found to be
unenforceable, this shall not affect the validity of any other
provision. HOWDEN INDIA may delay enforcing its rights under these terms
and conditions without losing them. HOWDEN INDIA will not be liable to
you for any breach of these terms and conditions which arises because of
any circumstances which HOWDEN INDIA cannot reasonably be expected to
control. You agree that HOWDEN INDIA may sub-contract the performance of
any of its obligations or may assign these terms and conditions or any
of its rights or obligations without giving you notice. These terms and
conditions shall be governed by Indian laws, and you consent to the
non-exclusive jurisdiction of the Indian courts.
Thanks for your cooperation. We trust you will find this site
helpful/useful. Questions, comments, suggestions may be submitted to the
info@howdenindia.com.