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.

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We are living a modern world with more and more challenges of life. Mutual Trust is eroding day by day. Due to inter connectivity we are interacting with more and more people in the virtual world of social networks. Mobiles and internet has made it possible for us to contact any individual. It is my experience that mobile and internet communications are being used as a source of cheating of telling lies while communicating without fear of being recorded, getting traced by locations of I.P. addresses of devices used. If you are to make any recovery from your debtor then it is very difficult to contact the person as either he will not pick up the mobile or give a false reply. We need to spread a culture based upon truthfulness as the modern technology can catch you immediately if you are telling a lie. Why in today’s modern world there is need of more CCTV’s, Recordings, I.P.Addresses? It is all due to increase in crimes and downgraded social values.

Most of the educated younger generation, aware of all the consequences, is becoming straight forward and true. It is a welcome change. While communicating when you speak or write truth, you need not remember your words as what you said or wrote. If you are true from the core of your heart then nothing can frighten you and you will feel fearless. But never speak such a truth which can cause hurt to others. If we call a physically handicapped person as blind or lame then it is definitely to cause hurt. No one can escape telling a lie at a moment of time as even Yudhisthira had to tell a lie during the Mahabharata. While editing and publishing this article I am telling a lie. Can you smell out what it is? It is the location of this writing as New Delhi instead of my actual location that is Rajpura Punjab India. This is not going to harm any body in anyways. Why arose the need to tell a lie. Number one – it is the virtual world and here you are driven by search engines and key words and to find a favor with search engines is called a trick. The blogger platform allows you to blog without your actual location and it will show your location as India as your default location. I used to use my actual location but this will not find favor with search engines and that is why I changed it to California, USA to find favors with search engines by targeting audiences in USA. Do you still feel that I am telling a lie? if yes send your comments. I don’t like to be liked, shared or followed on the web.

Based upon the philosophy that one need not remember his utterances/writings if the same are true I have chosen “Speak Truth and Forget” as my quotable quote with my published work. Follow if you have the similar thinking and ideology.

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