Terms and Conditions Apply – Don’t Sign without Reading

Terms and Conditions Apply – Don’t Sign without Reading

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Just go through the Terms and Conditions of a few institutions and ask yourself if you have read and understood the  terms and conditions of use or you just accepted them as a mere formality.
Top PSU and Private Banks :
One of the leading Bank’s (S.B.I.) Net Banking Site alerts its customers as under :

CYBER CRIME: The Internet per se is susceptible to various cyber crimes like phishing, vishing (Voice phishing), SMSing (phishing through SMS), compromise of User’s system security etc., that could affect Payment Instructions / other instructions to the Bank. Whilst the Bank shall endeavor to protect the interest of the customers, there cannot be any guarantee from such cyber crimes and other actions that could affect Payment Instructions / other instructions to the Bank including but not limited to delay or failure in processing the instructions. The User shall separately evaluate all such risks and the Bank shall not be held responsible for the losses arising out of such cyber crimes. The User understand that doing a NetBanking transaction at a Cybercafe/shared computer terminal is risky and shall avoid using the services of a Cybercafe/shared computer terminal to do any Net Banking transactions.
Indian Railways :
Maximum Liability:  The maximum amount of our liability to you for all loss or damage arising out of your use of our web site and the service whether in contract or tort (including any liability for negligence howsoever arising out of or in connection with the performance of our obligations in the provision of the web site and this service) shall be limited to the value of the ticket purchased for your use through this service.
Exclusion of Liability: We shall not be liable to you for any of the following types of loss or damage arising out of your use of our web site and the service whether in contract or tort (including any liability for negligence howsoever arising out of or in connection with the performance of our obligations in the provision of the web site and this service): 
i. Loss of revenue, business, anticipated savings or profits; or 
ii. Any indirect or consequential loss howsoever arising.
Source : Terms and Condition for using website.
 
Reliance General Insurance (Private Sector):
The content is available for informational purposes only. The posting of contents and access to this website does not render, either explicitly or implicitly, any provision of services or products by us. Information concerning financial products or services (including insurance, asset management and banking) is only available through the respective Reliance General Insurance.
At Reliance General Insurance, we would like our policy to be as transparent as possible. Hence we would like you to know some of the major exclusions under the policy: (What about minor exclusions ?)
  • Normal wear and tear of the vehicle
  • Mechanical and electrical breakdown
  • Vehicles being used other than in accordance with the limitations as to use
  • Damage to/by a person driving without a valid driving license
  • Loss or damage under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation
  • Loss or damage due to war or nuclear risks
  • Consequential loss
  • Compulsory Deductibles

Source: Reliance Company Website (Terms and Conditions)  and Main Website.

Before signing Manually or Electronically (Clicking – I Agree), be careful to download the copy of “Terms and Conditions” as these terms and conditions keep on changing on the Printed Forms and on the Websites.
 
Have you ever noticed that such Terms and Conditions printed on the Documents are printed in such a way that the same can’t be read by naked eye. Governments all over the world need to amend the laws in such a way that Terms and Conditions be in the form of “Questionnaire” and the Individual be asked to Check – YES or No box on the electronic media and Write – “Yes” in his own handwriting on the Printed Media as Insurance has to be unconditional otherwise the very meaning of insurance will be reduced to no assurance. Rather conditions be put on the insurer to check each and every thing including state of health before issuing health insurance or life insurance and other requirements for example while insuring a house in quake prone area the insurer should satisfy himself about the condition of the construction. After the insurance premium has been collected and Insurance Policy is issued the insurer should not be allowed to seek protection under disclaimer or Terms and Conditions of insurance. If an young person joins the army, air force or become pilot or opts for a hazardous profession after taking the policy then the insurer can not bind the insured to inform the insurer every time about his or her living conditions. If you feel that the Insurance should be unconditional insurance then share our both the articles with your facebook friends, Google+ Circles, Twitter, Linkedin Links so that they are alerted to question the Terms and Conditions of even Google Verified authors like me.

Ashok Goyal

Hi members, I am Ashok Goyal from Rajpura - Punjab, a town near Chandigarh. I am a retired Chief Manager from a Top Nationalized Bank in India with 35 years of experience. I am the CEO-cum-Founder of this site made for Young and Old, Technical and Non Technical members to spread their knowledge across the Globe. I am a Science Graduate with an M.A. in Economics and C.A.I.I.B. (Certified Associate Life Member of Indian Institute of Banking and Finance since 1980 and a Social Worker authoring many Blogs for the benefit of the Public in General. I Graduated from Patel Memorial National College, Rajpura - 140401 and secured a Master's Degree in Economics from Punjabi University, Patiala - 147001 Punjab, India. Expert in Legal and Money Matters, may it be Banking, Investments, and Insurance or Fraud investigations. My Hobby is to share Knowledge and alarm the younger generations about the practical implications of transacting online. I am available at many Social Networking Sites. I am health conscious and like reading deeply about anything related to health and nutrition. In the case of any violation of objectionable content, the images on my authored links or on this site, you can either report me directly or you can file a DMCA complaint about the removal of the content. I do not like spammers and never hesitate to report the abuse of my profile information. I am the owner of the WQAINDIA Brand hosting self-hosted Question Answers Site at Web Question Answers. In Jan 2016, I founded Samadhan Kender at Rajpura - which is now talk of the down. In January 2017, keeping in view the Identity Crisis in India I found that the Public was facing difficulties in their CIBIL Reports - I started my best ever venture at CIBIL Consultants to solve the CIBIL Problems of the Public online. CIBIL Consultants is having its client base in all 17 states in India. © Copyright - Ashok Goyal – ALL RIGHTS RESERVED: This is my original work and I do not like any content to be copied or posted anywhere on the web or elsewhere. All the articles available on my social profiles are exclusively owned by me. If you like my articles then you can visit my articles and provide the URL as a link, without any copyright infringement, on the website or blogs which are not having any adult content related to sex, violence, hate-redness, or religious fundamentalism as per Google or Facebook TOC. DISCLAIMER: The information on this site or elsewhere - under my Profile Name is for general information purposes only. The information provided by me is simply educative to the best of my knowledge and belief. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability about the information, products, and services being displayed on this website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising out of or in connection with the use of this website or my profile anywhere on the web. We welcome feedback, comments or healthy criticism on any article or content on this site or my own work anywhere on the web. I owe my success on the web to IndiaStudyChannel to Tony John, Webmaster at ISC. I am also a featured author at HubPages, Global Site for writers and Authors. This site is dedicated to my countrymen to sharpen their online skills to compete for the world. The public can also get their CIBIL Reports rectified professionally at very low prices – when big corporations are charging as much as Rs.25000 per person per Credit Report.

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