Terms & Conditions

1. Proprietary Rights

You acknowledge and agree that IOV owns all rights, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether registered or not). You further acknowledge that the Services may contain information which is designated confidential by IOV and that you shall not disclose such information without IOV's prior written consent.

IOV grants you a limited license to access and make personal use of the Website and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of IOV's trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.

You acknowledge that content, including but not limited to text, software, music, sound, photographs, video, graphics or other material contained in either sponsor advertisements or e-mail distributed, commercially produced information presented to you by IOV or IOV's suppliers, is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. You are permitted to use this content as authorised by IOV only.

2. Usage of the Website

The Website is intended for personal and non-commercial use. You shall register to become a member of the Website only if you are of the age of 18 or above and can enter into binding contracts as per applicable laws. You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).

You also agree to provide true, accurate, current and complete information about yourself as and when prompted by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or IOV has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, IOV shall have the rights to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.

By making use of the Website, 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 IOV may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand or complete your application.

You specifically understand and agree that by using the Website you authorize IOV and its affiliates and partners to contact you for any follow up calls in relation to the Services provided through the Website. You agree and consent to receive communications on your phone/mobile number provided by you on the Website and expressly waive any registration made under DND/NCPR list under TRAI regulations.

You agree and authorize IOV to share your information with its group companies and other third parties, in so far as required for marketing purposes/offering various Services and/or to provide you with various value-added services, in association with the Services selected by you or otherwise.

The usage of the Website may also require you to provide consent for keying in your Personal Information ("PI") (including but not limited to user ids and passwords), as may be necessary to process your application through this Website.

You shall not sell IOV's Services, information, or software associated with or derived from it or use any robot, spider, other automatic device, or manual process to monitor or copy the Website and or its content or interfere or disrupt the Website; take any action that imposes an unreasonably or disproportionately large load on IOV's infrastructure/network or use any device, or interfere or attempt to interfere with the IOV Services or forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through IOV or to manipulate your presence on the Website.

You may only use the Website to search for and to apply for products as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website.

3. Disclaimer of Warranty

You expressly agree the use of the service is at your sole risk. The service is provided on an "as is" and "as available" basis. IOV expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

IOV makes no warranty the services will meet your requirements, or the services will be uninterrupted, timely, secure, or error free; nor does IOV make any warranty as to the results that may be obtained through the service or that defects in the software will be corrected. You understand and agree any material and/or data downloaded or otherwise obtained through the use of the service is done at your own discretion and risk.

4. Limitation of Liability

IOV (including its officers, directors, employees, representatives, affiliates, and providers) will not be responsible or liable for any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with any failure or delay, any use of the Website or content, or the performance or non-performance by us or any provider.

The Website may provide links to other third-party websites. However, since IOV has no control over such third-party websites, you acknowledge and agree that IOV is not responsible for the availability of such third-party websites and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such third-party websites.

5. Indemnity

You agree to indemnify and hold IOV (and its officers, directors, agents 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 Terms, your violation of any law or the rights of a third party, or your use of the Website.

6. Termination

The User agrees that IOV may, under certain circumstances and without prior notice, immediately terminate the said User IOV accounts, any associated email addresses, and access to the services. Cause for such termination shall include, but not be limited to: breaches or violations of the provisions or other incorporated agreements or guidelines; requests by law enforcement or other government agencies; a request by you (self-initiated account deletions); discontinuance or material modification to the service (or any part thereof); unexpected technical or security issues or problems; and extended periods of inactivity.

Termination of your IOV account includes removal of access to all offerings within the service, deletion of your password and all related information, files and content associated with or inside your account, and barring further use of the service.

7. Privacy Policy

By using the Website, you hereby consent to the use of your information as we have outlined in our Privacy Policy.

8. Force Majeure

If performance of Services/Website by IOV is prevented, restricted, delayed or interfered with by reason of labour disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, malware, trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Website, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of IOV and could not have been prevented by reasonable precautions, then IOV shall be excused and discharged from such performance.

9. Miscellaneous

You may not assign or otherwise transfer your rights or obligations under these Terms. IOV may assign its rights and duties under these Terms without any such assignment being considered a change to the Terms and without any notice to you. The laws of India, without regard to its conflict of laws rules, will govern these Terms. If you take any legal action relating to your use of the Website or these Terms, you agree to file such action only in the courts located in NCT of Delhi and Haryana, India.