This Platform (hereinafter defined) is owned and operated by hBits Online Platform Private Limited, a company incorporated under the laws of India and having its registered office located at Ground Floor, G-4, Court Chambers, 35, Sir Vithaldas Thackersey Marg, New Marine Lines, Mumbai City, Maharashtra 400020 IN. The terms hBits, website, “we”, “our” and “us” in these Terms of Use refer to hBits Online Platform Private Limited.

These terms and conditions of use (“Terms of Use”) describe the terms applicable to user’s use of the hBits website (www.hbits.co), mobile-optimized versions of the website, digital applications, and any other media formats for the purposes of use and promotion of hBits (collectively referred to as the “Covered Platforms”), and other products, software and services, from time to time, on the Covered Platforms, owned or licensed and operated by hBits and its affiliates, such as email, chat, bulletin board services, information related to recommendations, news groups, forums, communities, personal web pages, calendars, and/or other message (together the “Services”)

“User” as aforesaid includes user’s permitted assigns, successors, heirs and legal representatives, unless the context requires otherwise;

By using our service, user confirm that user is of the required legal age and competent to form a binding contract and is not a person barred from receiving services under the laws as applicable in India. User also agree to provide true, accurate, current, complete and updated information about themselves as prompted by our Product’s/Service’s registration form or any information provided by user through other means of communication. If user provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate user account and refuse any and all current or future use of our Product/Service (or any portion thereof). User undertakes to indemnify and keep indemnified hBits Online Platform Private Limited (hereinafter referred to as “hBits”) for any loss, claim, damage, costs (including legal and professional costs) relating to any abuse or violation including those aforesaid.

"User Information" is defined as any information user provide to us in the registration process, in the feedback area or through any email feature. We will protect User Information in accordance with our Privacy Policy (separately uploaded). If user use the Product/Services/Website, user are responsible for maintaining the confidentiality of User Login ID and Password and for restricting access to user computer, and user agree to accept responsibility for all activities that occur under User Login ID or Password. We shall not be liable to any person for any loss or damage which may arise as a result of any failure by user to protect user password or account. User undertakes to indemnify and keep indemnified hBits for any loss, claim, damage, costs (including legal and professional costs) relating to user responsibility or liability or failure including those aforesaid. User agree to notify us immediately of any unauthorized use of user account or any other breach of security. We reserve the right to refuse service, terminate accounts, or remove or edit content in its sole discretion.

• That user shall use the Services provided by us, for lawful purposes only and shall comply with all applicable laws and regulations while using the Covered Platform and Services.
• User shall provide authentic and true information in all instances where such information is requested of user. We reserve the right to confirm and validate the information and other details provided by user at any point of time. If upon confirmation user details are found to be false (wholly or partly), we have the right and the sole discretion to reject the registration and debar user from using the Covered Platform and Services and/or other affiliated products without prior intimation whatsoever.
• User shall access the Covered Platform and Services and transaction thereon at its sole risk and shall use its best Judgment before entering into any transaction

• Disseminating any unlawful, harassing, libellous, abusive, threatening, harmful, vulgar, obscene, or otherwise objectionable material/content.
• Transmitting material that encourages conduct that constitutes a criminal offence, results in civil liability or otherwise breaches any relevant laws, regulations or code of practice.
• Gaining unauthorized access to other computer systems.
• Using, displaying, mirroring or framing the product/ website, or any individual element within the product/website or services, hBits’ name, any hBits trademark, logo, product logo, product trademark or other proprietary information, or the lausert and design of any page or form contained on a page, without hBits’ express written consent.
• Interfering with any other person's use or enjoyment of the product/website.
• Breaching any applicable laws, rules or regulations.
• Interfering or disrupting networks or web sites connected to the product/website.
• Making, transmitting or storing electronic copies of materials protected by copyright without the permission of the copyright owner.
• Collecting or storing any personally identifiable information from the website / product or services from other users of the website / product or services without their express permission.
• Violating any applicable law or regulation.
• Encouraging or enabling any other individual to do any of the foregoing.

User agrees, understands and confirms that the credit card/debit card/wallets details provided by user towards subscription fees for availing of any of our Product/Services will be correct and accurate and user shall not use the credit card/debit card which is not lawfully owned by user, i.e. in a transaction, user must use user’s own card/account. User further agrees and undertakes to provide the correct and valid credit card details when making payment on our Product/Services.

We otherwise do not store any information related to user’s Credit card/ Debit card or Net banking. In case we do not receive an authorization from the respective bank or the transaction gets interrupted due to any reason, the transaction will be treated as failed and no order will be processed for that transaction.

In this case, if any amount has been deducted from user’s account, the same will be credited back. The liability for use of a card fraudulently will be on user and the onus to 'prove otherwise' shall be exclusively on user.

This website uses Google Ad Words remarketing service to advertise on Google and other third party websites, to previous visitors of our site, who have done any activity on our site. This could be in the form of an advertisement in the Google search result page, or a site in the Google Display Network. Third-party vendors, including but not limited to Google, Facebook and LinkedIn, use cookies to serve ads based on someone's past visits to the hBits insurance website. Please note that any data collected will be used in accordance with our own privacy policy and Google's privacy policy. User may set preferences for how Google advertises to user using the Google Ad Preferences page.

Our payment partner’s (being the Payment Gateways and facilitators and Banks) and their fraud detection team constantly monitors user account in order to avoid fraudulent accounts and transactions. We reserve the right to initiate legal proceedings against such persons for fraudulent use of our Product/Services and any other unlawful acts or omissions in breach of these terms and conditions. In the event of detection of any fraudulent or declined transaction, prior to initiation of legal actions, we reserve the right to immediately delete such user account(s) and dishonour all past and pending orders without any liability. For the purpose of this clause, we shall owe no liability for any refunds.

Also there is an internal session manager that ensures that even if User are not around user’s browser for more than 20 minutes it asks for a login once user are back to ensure that there is no unwanted external intervention in user’s transactions/use of the Web Site.

Our analytic tools may also capture anonymous information such as user demographic and geographic information, with a view to assist us in improving customer experience. We use this information to evaluate traffic patterns on our site, so that we can make it more useful to our Users. The information we learn from user helps us personalize and continually improve user experience on our platform. We do not voluntarily make this information available to third parties, nor do we use it for any other purpose, except as set out herein. Set out below are the types of information we gather:

• Information User Give Us: We receive and store any information user enter on our Product or give us in any other way, including but not limited to Name, email id, phone number etc. User can choose not to provide certain information, but in such event user may not be able to take advantage of many of our features. We use the information that user provide for such purposes as responding to user requests, improving our product, and communicating with user. The customer needs to fill all the mandatory information for placing an order with us. We may, as required or permitted by law or in the course of performing our regulatory responsibilities, provide personally identifiable information, such as user name and address, or any other information that user provide, without user permission to persons or organizations that request this information. hBits has the right to share limited details regarding the subscriber with each other as per the requirement.
• Automatic Information: We receive and store certain types of information whenever user interact with us. For example, like many products, we use "cookies," and we obtain certain types of information when user’s Web browser accesses our product or advertisements and other content served by or on behalf of hBits on other products.

hBits does not claim ownership of any materials user make available through the Site. At hBits' 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 user submit or make available for inclusion on the website, user grant hBits a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that user submit in connection with such submitted content). User hereby represent, warrant and covenant that any materials user provide do not include anything (including, but not limited to, text, images or video) to which user do not have the full right to grant the license specified in this Section. We take no responsibility and assume no liability for any submitted content posted or submitted by user. We have no obligation to post user comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If user does not agree to these terms and conditions, please do not provide us with any submitted content. User agrees that user is fully responsible for the content user submit. User are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libellous, 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. User shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from user posting of content to this Site.

The content and information contained within the Covered Platform or Services or delivered to user in connection with user’s use of our Covered Platform is the property of hBits and any other third party (where applicable). The trademark, trade names and logos (the "Trade Marks") that are used and displayed on our website include registered and unregistered Trade Marks of us and other third parties. Nothing on our website should be construed as granting any license or right to use any Trade Marks displayed on our website. We retain all proprietary rights on our website. User is prohibited from using the same without written permission of hBits of such or such other parties. The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without the prior written consent of hBits.

User expressly understand and agree that hBits and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to user 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 hBits 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, hBits 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 hBits and/or its affiliates will in no event exceed, in the aggregate, the greater of the service fees user paid to hBits in connection with such transaction(s) on this Site. 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 hBits, its affiliates, and/or their respective service providers.

If user has any questions or comments regarding the Terms of Use, please contact us via email at info@hbits.com

The following terms shall apply only if there is no other written contract or agreement between the parties with respect to the following terms:

• Either user or hBits may terminate the relationship between us, with or without cause, at any time to be effective immediately.
• While hBits will try to provide user prior notice of any termination of user account, user agrees that hBits may under certain circumstances, immediately terminate User Account. Causes for termination may include, but shall not be limited to, user’s breach of the Terms and Conditions, requests by law enforcement or government agencies, non-payment of fees owed by user in connection with the access and use of the Covered Platform or the Services.
• hBits shall not be liable to user or any third party for the termination of any Covered Platform or the Services. If user objects to any Terms and Conditions or become dissatisfied with the Service or Covered Platform in any way, user’s only recourse is to: (a) discontinue use of the Covered Platform or the Services; and (b) notify hBits of such discontinuance.
• Upon termination of the relationship, user’s right to access or use the Covered Platforms and the Services shall immediately cease. User shall have no right, and hBits shall have no obligation thereafter, to execute any of user’s uncompleted tasks or forward any unread or unsent messages to user or any third party. Once User Registration is terminated, cancelled or suspended, any data that user have stored on the Covered Platforms may not be retrieved later.
• In the event user’s relationship with us is terminated due to cause or breach of the Terms and Conditions on user’s part, we will be entitled to make appropriate deductions from the amount available in user’s Accounts, prior to refunding the balance to user’s personal bank account.

If user choose to visit this site, user visit and any dispute over privacy is subject to this Notice and our Terms and Conditions, including limitations on damages, resolution of disputes, and application of the laws of India.

If user has any concern about privacy at our Product, please contact us with a thorough description, and we will try to resolve it. Our business changes constantly, and our Privacy Policy and the Terms of Use will also change; but user should check our web site frequently to see recent changes. Unless stated otherwise, our current Privacy Policy applies to all information that we have about user and user account.

All customers who register on our site agree, acknowledge and accept as per the terms and conditions and that even if they are registered under NDNC (National Do Not Call) or DND (Do Not Disturb), by accepting the terms, hBits is authorised to call and assist user and/or SMS/E-Mail the customers by virtue of them having voluntarily registered in www.hbits.co. hBits, will not be responsible for any NDNC Registry regulation that will come into play.

Notwithstanding any other provisions of this Terms of Use or the Privacy Policy, or any general legal principles to the contrary, any provision of this Terms of Use that imposes or contemplates continuing obligations on the user will survive the expiration or termination of this Terms of Use.

hBits reserves the right to delete, modify, change or discontinue any or all of the information on this website without giving notice to any user, individual, group of individuals, institutions and any such governing bodies.

We do not represent or warrant that the Site will be available and meet user’s requirements, that access will not be interrupted, that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage or loss will occur to user’s computer system. User have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties. We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Please review our Privacy Policy to understand what kind of information we gather from user and the specific measures we take to protect user’ personal information. The Privacy Policy is hereby incorporated into these Terms of Use by reference.