PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS DESCRIBED HEREIN AND ALL TERMS INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THE WEBSITE / MOBILE APP. This Site/Application/Services is/are operated/provided by "4dadnmum" a Private Limited Company. This document is an electronic record in terms of Information Technology Act, 2000 and rules thereunder as applicable and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. By accessing this Site/Application/Services, you are consenting to be bound by these User Terms and the Privacy Policy. Please ensure that you read and understand all these user terms before you use the Site/Application/Services. If you do not accept any of the User Terms, then please do not use the Site/Application/Services or avail any of the services/Services being provided therein. These terms and conditions (“User Terms”) read with the Privacy Policy available on the Site/Application/Services constitutes a legal binding agreement (“Agreement”) between you and "4dadnmum" and shall apply to and govern your visit to and use, of the Site/Application/Services (whether in the capacity of an user or a Practitioner) and any of its products or services whether through a computer or a mobile phone as well as to all information, recommendations and or Services provided to you on or through the Site/Application/Services.
This Agreement defines the terms and conditions under which you are allowed to use the Site/Application/Services and describes the manner in which we shall treat your account while you are registered as a member with us. These User Terms apply to the Services made available by "4dadnmum" on the Site/Application/Services including various products offered by "4dadnmum" , the Services rendered by vendor partners listed on the Site/Application/Services, to various users including medical vendor partners and other users/visitors of the Site/Application/Services.
We reserve the right to store information on a User’s computer in the form of “cookie” or similar file for purposes of modifying the Site/Application/Services to reflect the User’s preference. "4dadnmum" shall try to ensure that all information that is provided on the Site/Application/Services with respect to policies / products/Services are accurate in all respects and are kept up to date. However, "4dadnmum" does not guarantee the timeliness, accuracy, completeness, reliability or content of the information and any changes that are made with respect to the same and the visitor/Customer is required to check the accuracy of the same with the office of "4dadnmum" .
"4dadnmum" ’s performance to this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of "4dadnmum" ’s right to comply with governmental, court and law enforcement directions relating to the use of this Site/Application/Services or information provided to/gathered by "4dadnmum" vis-à-vis such use.
"4dadnmum" may introduce new services in relation to the Site/Application/Services from time to time. The existence and availability of the new services will be notified on the Site/Application/Services as and when they become available and any revisions in the Terms & Conditions will take place in accordance with these Terms & Conditions.
In addition, "4dadnmum" may also publish notices of general nature, which are applicable to all visitors or Customers in a newspaper or on its Site/Application/Services. Such notices will have the same effect as a notice served individually to each visitor or Customer.
Your acceptance of the User Terms shall be deemed to include your acceptance of the Privacy Policy available at the Site/Application/Services. DEFINITIONS All of the defined and capitalised terms in these User Terms will have the meaning assigned to them here below: “Account” shall mean the account created by the Customer on the Application for availing the Services provided/facilitated by "4dadnmum"
“Applicable Laws” shall mean and include all applicable statutes, enactments, acts of legislature or parliament, laws, ordinances, rules, by-laws, regulations, notifications, guidelines, policies, directions, directives and orders of any governmental authority, tribunal, or a court of India.
“Application” shall mean our mobile application and/or website as updated by "4dadnmum" from time to time
“Customer/ you/User” shall mean and include: A medical practitioner or healthcare/wellness provider (whether an individual professional or an organisation/pathology labs or any of their subsidiaries/ medical stores or chain of stores or similar institution wishing to be listed, or already listed, and providing healthcare services, on the Site/Application/Services, including designated, authorised associates of such vendor partners or institutions (“Practitioner(s)”, “you” or “User”); or A patient, availing this service on his/her consent, being or not being sponsored/promoted by any organisation/body to utilise the services through the Site/Application/Services, his/her representatives or affiliates, searching for availing health and medical services through the Site/Application/Services; or. Otherwise a user of the Site/Application/Services who has an Account on the Site/Application/Services (“End User”). A visitor of the Site/Application/Services.
(ii) “Force Majeure Event” shall mean any and all events arising due to any cause beyond the reasonable control of "4dadnmum" . (iii) “"4dadnmum" ” or “us” or “we” or “our” shall mean "4dadnmum" General Private Limited, a company incorporated under the provisions of the Companies Act, 2013 and having its registered office at Plot # 572 & 554, Jaydev Vihar, Nayapalli , Bhubaneswar-751013 , which expression shall, unless it be repugnant to the context or meaning thereof, be deemed to mean and include all its successors, affiliates and permitted assignments. (iv) “Registration Data” shall mean and may include the present, valid, true and accurate name, email ID, phone number and such other information as may be required by "4dadnmum" from the Customer from time to time for registration on the Application. (v) “Services” shall mean the various categories of Services including the following made available through the Site/Application/Services: For vendor partners and their profiles along with options made available to the other Users and visitors of the Site/Application/Services for consultations; For other Users
Create and maintain ‘Health Accounts’
Search for vendor partners by specialty, services offered or any other criteria that may be developed and made available by "4dadnmum" ;
Make appointments with vendor partners ;
Interact with healthcare chatbot/E- Reliant staff and channel partners
To avail other services offered by "4dadnmum" and its partners, like but not limited to, medicine delivery, diagnostics, home-healthcare, track fitness activities and health vitals, etc.
“Site” shall mean the Application and the website operated by "4dadnmum" or any other software that enables the use of the Site/Application/Services or such other URL as may be specifically provided by "4dadnmum" . “T&Cs” and “User Terms” shall mean these Customer terms and conditions.
ELIGIBILITY
You will be “Eligible” to use the Services only when you fulfil all of the following conditions: (i) you have attained at least 18 (eighteen) years of age. (ii) you are competent to enter into a contract under the Applicable Laws. If you reside in a jurisdiction that restricts the use of the Service because of age, or restricts the ability to enter into contracts such as this User Terms due to age, you must abide by such age limits.
REGISTRATION / MEMBERSHIP AND MANNER OF USAGE OF ACCOUNT
You understand and acknowledge that you can register on the Site only after complying with the requirements of this Clause 3 and by entering your Registration Data. You shall ensure that the Registration Data provided by you is accurate, complete, current, valid and true and is updated from time to time. We shall bear no liability for false, incomplete, old or incorrect Registration Data provided by you. You are solely responsible for maintaining the confidentiality of your Registration Data and will be liable for all activities and transactions that occur through your Account, whether initiated by you or any third party. Your Account cannot be transferred, assigned or sold to a third party.
We shall not be liable for any loss that you may incur as a result of someone else using your password or Account, either with or without your knowledge.
We reserve the right to suspend or terminate your Account with immediate effect and for an indefinite period, if We have a reason to believe that the Registration Data or any other data provided by you is incorrect or false, or that the security of your Account has been compromised in any way, or for any other reason We may find just or equitable.
Except for the Registration Data or any other data submitted by you during the use of any other service offered through Site (“Permitted Information”), 4dadnmum does not want you to, and you should not, send any confidential or proprietary information to 4dadnmum on the Site or otherwise, unless otherwise is required by Applicable Laws. In accepting these User Terms you agree that any information or materials that you or individuals acting on your behalf provide to 4dadnmum other than the Permitted Information will not be considered confidential or proprietary.
It is your responsibility to check to ensure that you download the correct application for your device. We are not liable if you do not have a compatible mobile device or if you download the wrong version of the Application for your mobile device. We reserve the right to terminate the Service and the use of the Application should you be using the Service or Application with an incompatible or unauthorised device.
We allow you to open only one Account in association with the Registration Data provided by you. In case of any unauthorised use of your Account please immediately reach Us at 4dadnmum@gmail.com In case, you are unable to access your Account, please inform Us at 4dadnmum@gmail.com and make a written request for blocking your Account.
We will not be liable for any unauthorised transactions made through your Account prior to the expiry of 72 (seventy-two) hours after you have made a request in writing for blocking your Account, and shall not have any liability in case of Force Majeure Events.
By using the Application or the Service, you further agree that: (i) you will only use the Service or download the Application for your sole, personal use and will not resell or assign it to a third party; (ii) you will not use an account that is subject to any rights of a person other than you without appropriate authorization; (iii) you will not use the Service or Site for unlawful purposes; (iv) you will not try to harm the Service, Site or our network in any way whatsoever; (v) you will provide 4dadnmum with such information and documents which 4dadnmum may reasonably request; (vi) you will comply with all Applicable Law from your country of domicile and residence and the country, state and/or city in which you are present while using the Site or Service; and (vii) you are aware of and shall comply with the Information Technology Act, 2000 and the rules, regulations and guidelines notified thereunder.
4dadnmum reserves the right to immediately terminate the Service and the use of the Application in the event of non-compliance with any of the above requirements. Further, 4dadnmum will store the information provided by you or record your calls for contacting you for all Service related matters including obtaining feedback in relation to the Services provided/facilitated through the Site/Application/Services. you shall promptly inform 4dadnmum on any change in the information provided by you.
13. 4dadnmum or an authorised representative of 4dadnmum , shall provide information regarding services, discounts and promotions provided by 4dadnmum to you by way of an SMS or email to your registered mobile number/registered email ID. you also have the option to discontinue receiving such information at any point of time. To discontinue receiving such information, you may at any point of time visit the specific link provided in the Site/Application/Services to discontinue the same.
14. 4dadnmum will be entitled to process and transfer your information as and when it deems fit and it may store or transfer your information in a server outside India or the country where you are located in order to perform 4dadnmum ’s obligations under these customer t&c.
15. you agree to grant 4dadnmum a non-exclusive, worldwide, perpetual, irrevocable, royalty- free, sub-licensable (through multiple tiers) right to exercise the copyright, publicity, database rights or any other rights you have in your information, in any media now known or not currently known, with respect to your information. you agree and permit 4dadnmum to share your information and/or permitted information, with third parties.
16. you agree and permit 4dadnmum to share any information provided by you with third parties in order to facilitate provision of Services including certain value-added/ancillary services offered by such third parties to you and/or to provide Services including certain value-added services to you by 4dadnmum . you hereby expressly consent to receive communications from 4dadnmum / third parties offering Services/value-added services to you through your registered phone number and/or e-mail id and/or the Site.
17. You agree that you will not hold 4dadnmum responsible for any such communications received from third parties, nor will any such communication amount to spam, unsolicited communication or a violation of your registration on the national do not call registry. Further, you agree that 4dadnmum may contact you through telephone, email, SMS, or any other electronic means of communication for the purpose of: Obtaining feedback in relation to Site/Application/Services or 4dadnmum ’s services, including chatbot; and/or. Obtaining feedback in relation to any Practitioners listed on the Site/Application/Services; and/or. Connecting for any further details like diagnostics, medicine delivery requests, product redemptions, consultation management, etc. Resolving any complaints, information, or queries by Practitioners regarding your critical content; You agree to provide your fullest cooperation further to such communication by 4dadnmum against every Practitioner listed in the Site/Application/Services, you get an option to ‘Book an Appointment’. When you choose this option, you choose to schedule a video/audio/chat session with the doctor through technological services provided by 4dadnmum, and the records of such calls may be recorded and stored in 4dadnmum ’s servers. Such records are dealt with only in accordance with the terms of the Privacy Policy. 4dadnmum shall not be responsible for negligence or breach of confidentiality obligations qua such information by the Practitioner or other service providers engaged in providing Services.
All claim payouts/reimbursement, cashless etc. will be as per our policy as applicable to Customers.
The Site/Application/Services is deemed to be in use when it is loaded in a temporary or permanent memory of your computer/Mobile or any other electronic gadget.
All transactions, which cannot be carried out instantaneously, shall be carried out during working hours either on the same day or on the next working day or such further period as may be determined and/or specified by 4dadnmum depending upon the time of logging of the transaction.
All transactions that are carried out by and on behalf of the Customer shall be subject to Government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service on the Site/Application/Services.
Purpose:
This privacy policy (“Privacy Policy”) applies to your use of the domain name www.4dadnmum.com and "4dadnmum" mobile application, a mobile application, owned and operated by "Karuna o Kartabya " a Private Limited Company duly incorporated under the provisions of the Companies Act, 2013 (hereinafter, may be referred to as “ "4dadnmum"” or “We” or “Our” or “Us” or “Company”). The domain name and the mobile application are collectively referred to as “Website”.
The Website is a platform that facilitates the healthcare services by self or its network partners or its service providers. The arrangement between the Network Partners and "4dadnmum" shall be governed in accordance with this Privacy Policy and the Terms of Use. The Services would be made available to such natural persons who have agreed to become member on the Website after obtaining due registration, in accordance with the procedure as determined by "4dadnmum", from time to time (referred to as “You” or “Your” or “Yourself” or “User”, which terms shall also include natural persons who are accessing the Website merely as visitors). The Services are offered to the Users through various modes which shall include physical or virtual assistant which to manage different situations os issues related to medical illnesses of your family member or to avail various goods/ services offered by the Network Partners. We have implemented reasonable security practices and procedures that are commensurate with the information assets being protected and with the nature of our business. While we try our best to provide security that is commensurate with the industry standards, because of the inherent vulnerabilities of the internet, we cannot ensure or warrant complete security of all information that is being transmitted to us by you. For the purpose of providing the Services and for other purposes identified in this Privacy Policy, "4dadnmum" will be required to collect and host certain data and information of the Users. "4dadnmum" is committed to protecting the Personal Information of the Users and takes all reasonable precautions for maintaining confidentiality of the User’s Personal Information. This Privacy Policy has been designed and developed to help you understand the following: The type of Personal Information (including Sensitive Personal Data or Information) that "4dadnmum" may collect from Users. The purpose of collection, means and modes of usage of such Personal Information by "4dadnmum". How and to whom "4dadnmum" will disclose such information.
How "4dadnmum" will protect the Personal Information including Sensitive Personal Data or Information that is collected from Users; and How Users may access and/ or modify their Personal Information. This Privacy Policy shall apply to the use of the Website by all Members. Accordingly, a condition of each Member’s use of and access to the Website and to the other services provided by "4dadnmum" to Users is their acceptance of this Privacy policy. Any User is required to read and understand the provisions set out herein prior to submitting any Sensitive Personal Data or Information to "4dadnmum", failing which they are required to leave the Website immediately. This Privacy Policy is published in compliance of the (Indian) Information Technology Act, 2000 and the rules, regulations, guidelines and clarifications framed thereunder, including the (Indian) Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
2. What is personal information?
2.1 “Personal Information” means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available with "4dadnmum", is capable of identifying the person concerned.
2.2 “Sensitive Personal Data or Information” means Personal Information of any individual relating to password; financial information such as bank account or credit card or debit card or other payment instrument details; physical, physiological and mental health condition; sexual orientation; medical records and history; biometric information; any detail relating to the above as provided to or received by "4dadnmum" for processing or storage. However, any data/ information relating to an individual that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law shall not qualify as Sensitive Personal Data or Information.
3. Types of personal information collected by "4dadnmum":
3.1 A User may have limited access to the Website and utilise some of the Services provided by "4dadnmum" without creating an account on the Website. Unregistered Users can access some of the information and details available on the Website. In order to have access to all the features and benefits on our Website, a User may be required to first create an account on our Website. As part of the registration process, "4dadnmum" may collect the following categories of Personal Information from the Users (hereinafter collectively referred to as “User Information”):
Name
User ID
Email address
Address (including country and ZIP/postal code)
Gender
Age
Phone number
Password chosen by the User
Valid financial account information
Family members information as the User may volunteer.
Information which will be directly relevant to providing the services as outlined in the “ services we offer” document
Information that is not for the explicit purpose of providing the services shall neither be asked for nor stored.
3.2 In order to avail the Services, the Users may be required to upload copies of their prescriptions, on its or Network partner’s Website and/ or e-mail the same to "4dadnmum" or its partner in accordance with the Terms of Use and the prescriptions, medical records, test reports, will be stored/ disclosed by "4dadnmum" or its partner only in the manner specified in this Privacy Policy and the Terms of Use. The term “User Information” shall also include any such prescriptions uploaded or otherwise provided by Users.
3.3 "4dadnmum" may keep records of telephone calls received and made for making inquiries, orders, or other purposes for the purpose of administration of Services.
3.4 The Website may/may not enable Users to communicate with other Users or to post information to be accessed by others, whereupon other Users may collect such data. "4dadnmum" hereby expressly disclaims any liability for any misuse of such information that is made available by visitors in such a manner.
3.5 "4dadnmum" does not knowingly collect Personal Information from children.
3.6 "4dadnmum" may in future include other optional requests for information from the User including through user surveys in order to help "4dadnmum" customise the Website to deliver personalised information to the User and for other purposes are mentioned herein. Such information may also be collected by "4dadnmum". Any such additional Personal Information will also be processed in accordance with this Privacy Policy.
4. Purposes for which your information may be used by "4dadnmum":
4.1 "4dadnmum" will retain User Information only to the extent it is necessary to provide Services to the Users. The information which "4dadnmum" collects from you may be utilised for various business and/or regulatory purposes including for the following purposes:
Registration of the User on the Website.
Processing the User’s requests and provision of Services (including provision of safe Services).
Technical administration and customization of Websites.
Ensuring that the Website content is presented to the Users in an effective manner.
Delivery of personalised targeted information to the User.
Improvement of Services, features and functionality of the Website.
Research and development and for User administration (including conducting user surveys).
Non-personally identifiable information, exclusively owned by "4dadnmum" may be used in an aggregated or non-personally identifiable form for internal research, statistical analysis and business intelligence purposes including those for the purposes of determining the number of visitors and transactional details "4dadnmum" will not sell or otherwise transfer such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates. Dealing with requests, enquiries, complaints or disputes and other customer care related activities including those arising out of the Users’ request of the Services and all other general administrative and business purposes.
Communicate any changes in our Services or this Privacy Policy or the Terms of Use to the Users.
Verification of identity of Users and perform checks to prevent frauds. and
Investigating, enforcing, resolving disputes and applying our Terms of Use and Privacy Policy, either ourselves or through third party service providers.
5. Disclosure and transfer of your Personal Information:
5.1 "4dadnmum" may need to disclose/ transfer User’s Personal Information to the following third parties for the purposes mentioned in this Privacy Policy and the Terms of Use:
To Network partners and other service providers appointed by "4dadnmum" for the purpose of carrying out services on its behalf under contract. Generally these contractors do not have any independent right to share this information, however certain contractors who provide services on the Website, including the providers of online communications services, will have rights to use and disclose the Personal Information collected in connection with the provision of these services in accordance with their own privacy policies.
To our affiliates in India or in other countries who may use and disclose your information for the same purposes as us.
To government institutions/ authorities to the extent required a) under the laws, rules, and regulations and/ or under orders of any relevant judicial or quasi-judicial authority; b) to protect and defend the rights or property of "4dadnmum"; c) to fight fraud and credit risk; d) to enforce "4dadnmum" Terms of Use (to which this Privacy Policy is also a part) ; or e) when "4dadnmum", in its sole discretion, deems it necessary in order to protect its rights or the rights of others.
If otherwise required by an order under any law for the time being in force including in response to enquiries by Government agencies for the purpose of verification of identity, or for prevention, detection, investigation including cyber incidents, prosecution, and punishment of offences.
5.2 "4dadnmum" makes all User Information accessible to its employees and data processors only on a need-to-know basis. All "4dadnmum" employees and data processors, who have access to, and are associated with the processing of User Information, are obliged to respect its confidentiality.
6. Retention of the information
6.1 All the information collected/ stored under this Privacy Policy and Terms of Use is maintained by "4dadnmum" in electronic form on its equipment, and on the equipment of its employees. User Information may also be converted to physical form from time to time. Regardless of the manner of storage, "4dadnmum" will keep all User Information confidential and will use/ disclose it only the manner specified under the Privacy Policy and Terms of Use.
6.2 Part of the functionality of the Website is assisting the Members to avail healthcare services Sellers to maintain and organise such information to effect sale and purchase of products. "4dadnmum" may, therefore, retain and submit all such records to the appropriate authorities, or to vendors who request access to such information.
7. Links to third-party advertisements:
7.1 The links to third-party advertisements, third party websites or any third party electronic communication services (referred to as “Third Party Links”) may be provided on the Website which are operated by third parties and are not controlled by, or affiliated to, or associated with "4dadnmum" unless expressly specified on the Website.
7.2 If you access any such Third Party Links, we request you review their website’s privacy policy. We are not responsible for the policies or practices of Third Party Links.
8. Security Practices and Procedures:
8.1 "4dadnmum" adopts reasonable security practices and procedures to include, technical, operational, managerial and physical security control measures in order to protect the Personal Information in its possession from loss, misuse and unauthorised access, disclosure, alteration and destruction.
8.2 "4dadnmum" takes adequate steps to ensure that third parties to whom the Users’ Sensitive Personal Data or Information may be transferred adopt a reasonable level of security practices and procedures to ensure security of Personal Information.
8.3 You hereby acknowledge that "4dadnmum" is not responsible for any intercepted information sent via the internet, and you hereby release us from any and all claims arising out of or related to the use of intercepted information in any unauthorised manner.
9. Users’ rights in relation to their personal information collected by "4dadnmum":
9.1 All the information provided to "4dadnmum" by a User, including Sensitive Personal Data or Information, is voluntary. User has the right to withdraw his/ her/ its consent at any time, in accordance with the terms of this Privacy Policy and the Terms of Use, but please note that withdrawal of consent will not be retroactive.
9.2 Users can access, modify, correct and delete the Personal Information provided by them which has been voluntarily given by the User and collected by "4dadnmum" in accordance with this Privacy Policy and Terms of Use. However, if the User updates his/ her information, "4dadnmum" may keep a copy of the information which User originally provided to "4dadnmum" in its archives for User documented herein. In case the User seeks to update or correct his/ her Personal Information, the User may exercise these rights by emailing "4dadnmum" at ereliant.sathi@gmail.com and communicate the change(s) for updating "4dadnmum"’s records.
9.3 If a User, as a casual visitor, has inadvertently browsed any other pages of this Website prior to reading the Privacy Policy and the Terms of Use, and such User does not agree with the manner in which such information is obtained, stored or used, merely quitting this browser application should ordinarily clear all temporary cookies installed by "4dadnmum". All visitors, however, are encouraged to use the "clear cookies" functionality of their browsers to ensure such clearing/ deletion, as "4dadnmum" cannot guarantee, predict or provide for the behaviour of the equipment of all the visitors of the Website.
9.4 If a User has inadvertently submitted any Personal Information to "4dadnmum" prior to reading the Privacy Policy and Terms of Use, and such User does not agree with the manner in which such information is collected, stored or used, then such User can ask "4dadnmum", by sending an email to 4dadnmum@gmail.com containing the rectification required, whether "4dadnmum" is keeping Personal Information about such User, and every User is also entitled to require "4dadnmum" to delete and destroy all such information relating to such user (but not other Users) in its possession.
9.5 In case the User does not provide his/ her information or consent for usage of Personal Information or subsequently withdraws his/ her consent for usage of the Personal Information so collected, "4dadnmum" reserves the right to discontinue the services for which the said information was sought. ● (A) CONSULTING SERVICES
Any decisions to purchase any membership of E-Reliant will be based solely on your independent evaluation of the membership of E-Reliant, and your need for the same. you have the responsibility to determine whether the membership offered by E-Reliant satisfies your requirements.
It is your responsibility to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Site/Application/Services and you should consult your own legal counsel, business advisor and tax advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given. We have provided the relevant information in relation to the policies/products on the Site/Application/Services.
In the event you require any further information or assistance, he/she may contact us at info@E-Reliantsolutions.com
● NO DOCTOR PATIENT RELATIONSHIP FOR EMERGENCY USE
2. Please note that some of the content, text, data, graphics, images, information, suggestions, guidance, and other material (collectively, “Information”) that may be available on the Site/Application/Services (including information provided in direct response to your questions or postings) may be provided by individuals in the medical profession. The provision of such Information does not create a licenced medical professional/patient relationship, between E-Reliant and you and does not constitute an opinion, medical advice, or diagnosis or treatment of any particular condition, but is only provided to assist you with locating appropriate medical care from a qualified practitioner.
3. It is hereby expressly clarified that, the Information that you obtain or receive from E-Reliant, and its employees, contractors, partners, sponsors, advertisers, licensors or otherwise on the Site/Application/Services, including chatbot, is for informational purposes only. We make no guarantees, representations or warranties, whether expressed or implied, with respect to professional qualifications, quality of work, expertise or other information provided on the Site/Application/Services. In no event shall E-Reliant be liable to you or anyone else for any decision made or action taken by you in reliance on such information.
4. The Services are not intended to be a substitute for getting in touch with emergency healthcare, like suicidal tendencies and severe mental ailments. If you are an End-User facing a medical emergency (either on your or another person’s behalf), please contact an ambulance service or hospital directly
● APPLICATION LICENCE

1. Subject to your compliance with these User Terms, E-Reliant grants you a limited, revocable, non-exclusive, non-transferable and non-sub-licensable licence to download and install a copy of the Application on a device that you own or control and to run such copy of the Application solely for your own personal use and to use the Site.
2. You shall not (i) licence, sublicence, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the Service or Site in any way; (ii) modify or make derivative works based upon the Service or Application; (iii) create Internet “links” to the Service or “frame” or “mirror” any Site on any other server or wireless or Internet-based device; (iv) reverse engineer or access the Site in order to (a) design or build a competitive product or service, (b) design or build a product using similar ideas, features, functions or graphics of the Service or Site, or (c) copy, reproduce, record, or make available to the public any ideas, features, functions or graphics of the Service or Site, or (v) launch an automated program or script, including, but not limited to, web spiders, web crawlers, web robots, web ants, web indexers, bots, viruses or worms, or any program which may make multiple server requests per second, or unduly burdens or hinders the operation and/or performance of the Service or Site.
3. You shall not: (i) send spam or otherwise duplicative or unsolicited messages in violation of Applicable Laws; (ii) send or store infringing, obscene, threatening, libellous, or otherwise unlawful or tortious material, including material harmful to children or violative of third party privacy rights; (iii) send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs; (iv) interfere with or disrupt the integrity or performance of the Site, the Application or Service or the data contained therein; or (v) attempt to gain unauthorised access to the Site, the Application or Service or its related systems or networks.
4. E-Reliant will have the right to investigate and prosecute violations of any of the above to the fullest extent of the law. E-Reliant may involve and cooperate with law enforcement authorities in prosecuting Users who violate these User Terms. you acknowledge that E-Reliant has no obligation to monitor your access to or use of the Site, or posted content, but has the right to do so for the purpose of operating the Site and Service, to ensure your compliance with these User Terms, or to comply with Applicable Law or the order or requirement of a court, administrative agency or other Governmental body. E-Reliant reserves the right, at any time and without prior notice, to remove or disable access to any content that E-Reliant, at its sole discretion, considers to be in violation of these User Terms or otherwise harmful to the Site, the Service or Application.
● FORCE MAJEURE
We shall not be liable for any failure to perform any obligations under this User Terms, if the performance is prevented, hindered or delayed by a Force Majeure Event and in such case our obligations under this User Terms shall be suspended for so long as the Force Majeure Event continues.
● INDEMNIFICATION
y accepting these User Terms and using the Service, you agree that you shall defend, indemnify and hold E-Reliant, its affiliates, their licensors, and each of its officers, directors, other users, employees, attorneys, Practitioners, third party service providers and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with: (a) your violation or breach of any term of these User Terms or any Applicable Law or regulation, whether or not referenced herein; (b) your violation of any rights of any third party \or (c) your use or misuse of the Application or Service.
● LIMITATION OF LIABILITY
1. The information, recommendations and/or Services provided to you on or through the Site/ Application are for general information purposes only and does not constitute advice. E-Reliant will reasonably keep the Site/Application/Services and its contents correct and up to date but does not guarantee that (the contents of) the Site is free of errors, defects, malware and viruses or that the Site is correct, up to date and accurate.
2. E-Reliant shall not be liable for any damages resulting from the use of or inability to use the Site/Application/Services, including damages caused by wrong usage of the Site, error in call centre number, network issues, malware, viruses or any incorrectness or incompleteness of the Information or the or Application.
3. In no event shall E-Reliant shall be liable for:
1. Provision of or failure to provide all or any service by Practitioners or listed third parties to users contacted or managed through the Site/Application/Services;
2. Any content posted, transmitted, exchanged or received by or on behalf of any user or other person on or through the Site/Application/Services;
3. Any unauthorised access to or alteration of your transmissions or data; or
4. Any other matter relating to the Site/Application/Services or the Service.
4. If Applicable Law does not permit the exclusion of certain warranties or the limitation or exclusion of liability, the scope and duration of such warranty exclusions and the extent of the liability of E-Reliant shall be the minimum permitted under Applicable Law.
5. Under no circumstances, including but not limited to negligence, shall E-Reliant, its employees and directors, its suppliers and its third party advisors be liable to you for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including punitive or exemplary (including, but not limited to, damages caused by any virus, personal injury, loss of profits, data or other intangible, business interruption, loss of privacy, or any other pecuniary loss), arising out of or in any way connected with the use/delivery/performance of this Site/Application/Services, with the delay or inability to use this Site/Application/Services or any links or items on the Site/Application/Services, the provision of or failure to provide Services, or for any information, software, products, services and related graphics obtained through this Site/Application/Services, or otherwise arising out of the use of this Site/Application/Services, whether based on contract, tort, strict liability or otherwise, or for cost of procurement of substitute goods and repair & correction services or resulting from the use of this Site/Application/Services or obtained or messages received or transactions entered into through or from the Site/Application/Services or resulting from unauthorised access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.
6. You agree that we shall not be liable for any damages arising from interruption, suspension or termination of the Site/Application/Services, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. However, in no event shall our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Site/Application/Services. Policy/ies are marketed and/or distributed solely by E-Reliant and are not in any way associated to or being sold, marketed or offered for sale by the Payment Gateway Service provider and the Payment Gateway Service provider shall not be liable for the same.
7. All transactions that are carried out by and on behalf of the Customer shall be subject to Government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority, the Securities and Exchange Board of India, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service on the Site/Application/Services. E-Reliant does not guarantee or warranty that there will be uninterrupted access to and/or use of the Payment and Delivery Mechanism. E-Reliant shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of E-Reliant to perform any of its obligations under these Terms & Conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.
. INTELLECTUAL PROPERTY OWNERSHIP
1. E-Reliant alone (and its licensors, where applicable) shall own all right, title and interest, including all related intellectual property rights, in and to (i) the Site, Application, product, Service and any suggestions, ideas, enhancement requests, feedback, recommendations or any other offering; (ii) text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code; or (iii) other information provided by you or any other party relating to the Site, Application or the Service. Third party trademarks may appear on this Site/ Application and all rights therein are reserved to the registered owners of those trademarks. For use of any third party’s intellectual property, you need to get permission directly from the owner of the intellectual property for any use.
2. These User Terms do not constitute a sale and do not convey to you any rights of ownership in or related to the Site, the Application or the Service, or any intellectual property rights owned by E-Reliant. you shall be solely responsible for any violations of any laws and for any infringements of any intellectual property rights caused by use of the Services or the Site/ Application.
● TERM AND TERMINATION OF USER TERMS
1. Unless terminated, the Agreement between E-Reliant and you is perpetual in nature upon downloading the Application and availing the Services through the Site/Application/Services.
2. E-Reliant reserves the right to suspend or terminate a User’s access to the Site/Application/Services and the Services with or without notice and to exercise any other remedy available under law, in cases where,
i) Such User breaches any terms and conditions of the Agreement; .
ii) A third party reports violation of any of its right as a result of your use of the Services.
iii) E-Reliant is unable to verify or authenticate any information provided to E-Reliant by a User;
iv) E-Reliant has reasonable grounds for suspecting any illegal, fraudulent or abusive activity on part of such User; or;
v) E-Reliant believes in its sole discretion that User’s actions may cause legal liability for such User, other Users or for E-Reliant or are contrary to the interests of the Site/Application/Services.
3. Once temporarily suspended, indefinitely suspended or terminated, the User may not continue to use the Site/Application/Services under the same account, a different account or re-register under a new account. On termination of an account due to the reasons mentioned herein, such User shall no longer have access to data, messages, files and other material kept on the Site/Application/Services by such User. The User shall ensure that he/she/it has continuous backup of any medical services the User has rendered in order to comply with the User’s record keeping process and practices.
4. Termination of this agreement will not prejudice accrued rights of either E-Reliant or you.
5. Clauses pertaining to Indemnification, Liability, Intellectual Property Ownership, Term and Termination, Notice and Applicable Law and Dispute Resolution and such other provisions which are intended to survive the termination, shall survive the expiry/termination of these User Terms in accordance with their terms.
● INVALIDITY OF ONE OR MORE PROVISIONS
1. The invalidity of any term of these User Terms shall not affect the validity of the other provisions of these User Terms. If and to the extent that any provision of these User Terms is invalid, or is unacceptable in the given circumstances, a provision shall apply between the parties instead that is acceptable considering all the circumstances, taking into account the content and the purpose of these User Terms.
2. CONFLICT- In the event of any contradiction or inconsistency between this User Terms and any other agreement executed between you and E-Reliant, the terms of the User Terms shall prevail unless the exception has been expressly agreed to in writing by making reference to the relevant Clause sought to be modified under this User Terms.
● DISCLAIMER
No Warranty
Although all efforts are made to ensure that information and content provided as part of the Site/Application/Services are correct at the time of inclusion on the Site/Application/Services, however, there is no guarantee to the accuracy of the Information. We do not make representations or warranties as to the fairness, completeness or accuracy of Information on the Site/Application/Services/Services. There is no commitment to update or correct any information that appears on the Internet or on the Site/Application/Services. Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. Any use of the Site/Application/Services or the information is at your own risk.
No Liability
The Services provided by E-Reliant or any of its licensors or service providers/partners are provided on an “as is” and “as available” basis, and without any warranties or conditions (express or implied, including the implied warranties of merchantability, accuracy, fitness for a particular purpose, title and non-infringement, arising by statute or otherwise in law or from a course of dealing or usage or trade). E-Reliant does not provide or make any representation, warranty or guarantee, express or implied about the Site/Application/Services or the Services. E-Reliant does not guarantee the accuracy or completeness of any content or information provided by users on the Site/Application/Services. To the fullest extent permitted by law, E-Reliant disclaims all liability arising out of the your use or reliance upon the Site/Application/Services, the Services, representations and warranties made by other users or any content or information provided by the users on the Site/Application/Services.
● AUTHORITY TO E-Reliant
The Customer/you hereby authorises E-Reliant to carry out his instructions, effecting such transactions as may be permitted by E-Reliant from time to time, in accordance with these Terms & Conditions and such other terms as may be specified by.
● EVIDENCE OF TRANSACTIONS
For any transaction which may be permitted by E-Reliant from time to time, E-Reliant’s own records of such transactions maintained through computer systems or otherwise, shall be accepted as conclusive and binding for all purposes. The record of The Transaction as generated from the systems of E-Reliant shall be conclusive proof of the genuineness and accuracy of such transactions.
● ● RESTRICTIONS ON USE
E-Reliant owns and holds all the rights for the information, contents, audio, video, logos and trademarks contained in this Site/Application/Services. Any reproduction, modification, creation of derivate works, distribution, transmission, copying, selling, displaying, publishing or using any of the information, contents, audio, video, logos and trademarks contained in this Site/Application/Services for any purpose whatsoever, whether electronically or otherwise, without the prior written permission of E-Reliant is strictly prohibited. Any violation of this provision would be strictly dealt with. you may download material displayed on this Site/Application/Services for your personal use only, provided that you also retain the clauses pertaining to all copyright and other proprietary notices contained in the materials.
you acknowledges and affirms that you shall not:
1. Engage in fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use.
2. Use the Site/Application/Services to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity. Although E-Reliant may, from time to time, monitor or review any facilities, if established or otherwise offered at the Site/Application/Services for discussions, chats, postings, transmissions, bulletin boards, and the like on the Site/Application/Services, E-Reliant is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Site/Application/Services. you are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. E-Reliant will fully cooperate with any law enforcement authorities or court order requesting or directing E-Reliant to disclose the identity of anyone posting any such information or materials.
● USE OF INFORMATION
The content is available for informational purposes only. The posting of contents and access to this Site/Application/Services does not render, either explicitly or implicitly, any provision of Services or products by us. All advertisements contain only an indication of cover offered by the products. For more information, please read the policy wordings before concluding a sale.
● RESERVATION OF RIGHTS
We reserve the right to change, modify, add to, or remove discounts, portions of these terms of use at any time, subject to IRDAI regulations as amended time to time & E-Reliant’s policy.
● PRIVACY POLICY
In the process of using this Site/Application/Services, the Privacy Policy as set forth in the Site/Application/Services www.E-Reliantsolutions.com shall be applicable.
● MODIFICATION OF THE SERVICE AND USER TERMS
1. E-Reliant reserves the right, at its sole discretion, to modify or replace, in part or full, any of these User Terms, or change, suspend, block, discontinue or restrict your use to all or any feature of the Service or Site/Application/Services at any time.
2. E-Reliant shall not be required to notify you of any changes made to these User Terms. The revised User Terms shall be made available on the Site. you are requested to regularly visit the Site to view the most current User Terms. It shall be your responsibility to check these User Terms periodically for changes. your continued use of the Site/Application/Services constitutes acceptance of the changes and an Agreement to be bound by User Term, as amended.
● NOTICE
Notices under these Terms & Conditions may be given by E-Reliant to the Customer in writing by delivering them to the last address given by the Customer. Customers may give notice to E-Reliant by delivering them to the address mentioned on Site/Application/Services. In the case of hand delivery, cable, telex, facsimile notices or electronic communication notices or instructions will be deemed served 7 days after posting or upon receipt as the case may be. Documents, which may be sent by electronic communication between the parties, may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Site/Application/Services. E-Reliant shall be deemed to have fulfilled any legal obligation to deliver to the Customer if any such document is sent via electronic delivery.
● EXCLUSIVE AGREEMENT
you agree that these User Terms are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and E-Reliant relating to the subject matter of these User Terms. These User Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Site/Application/Services and/or E-Reliant.
● ASSIGNMENT
you shall not assign your rights under these User Terms without prior written approval of E-Reliant. E-Reliant can assign its rights under the User Terms to any affiliate.
● NO WAIVER
E-Reliant or any of its third party service providers etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. No delay or omission on the part of E-Reliant or service providers, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
● APPLICABLE LAW AND DISPUTE RESOLUTION
These User Terms are subject to the laws of India. Any dispute, claim or controversy arising out of or relating to these User Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Site, the Service or the Application (collectively, “Disputes”) the parties shall attempt to settle the same amicably, through negotiation and consultation at such offices of E-Reliant as E-Reliant may designate. In the event the dispute is not resolved internally between after at least 30 (thirty) days of negotiation, in good faith, the same shall be subject to binding and final arbitration in accordance with the Arbitration and Conciliation Act, 1996 as amended from time to time or in case the Arbitration and Conciliation Act, 1996 is no longer in force, as per any law relating to arbitration in force at the time of such reference. The reference shall be made to a sole arbitrator appointed by E-Reliant. The place of the arbitration shall be bhunabeswar, unless otherwise mutually agreed by E-Reliant and you in writing. Subject to the above, any Dispute will be subject to the exclusive jurisdiction of courts in Bangalore, India.

1. Engage in fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use.
2. Use the Site/Application/Services to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity. Although E-Reliant may, from time to time, monitor or review any facilities, if established or otherwise offered at the Site/Application/Services for discussions, chats, postings, transmissions, bulletin boards, and the like on the Site/Application/Services, E-Reliant is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Site/Application/Services. you are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. E-Reliant will fully cooperate with any law enforcement authorities or court order requesting or directing E-Reliant to disclose the identity of anyone posting any such information or materials.
● USE OF INFORMATION
The content is available for informational purposes only. The posting of contents and access to this Site/Application/Services does not render, either explicitly or implicitly, any provision of Services or products by us. All advertisements contain only an indication of cover offered by the products. For more information, please read the policy wordings before concluding a sale.
● RESERVATION OF RIGHTS
We reserve the right to change, modify, add to, or remove discounts, portions of these terms of use at any time, subject to IRDAI regulations as amended time to time & E-Reliant’s policy.
● PRIVACY POLICY
In the process of using this Site/Application/Services, the Privacy Policy as set forth in the Site/Application/Services www.E-Reliantsolutions.com shall be applicable.
● MODIFICATION OF THE SERVICE AND USER TERMS
1. E-Reliant reserves the right, at its sole discretion, to modify or replace, in part or full, any of these User Terms, or change, suspend, block, discontinue or restrict your use to all or any feature of the Service or Site/Application/Services at any time.
2. E-Reliant shall not be required to notify you of any changes made to these User Terms. The revised User Terms shall be made available on the Site. you are requested to regularly visit the Site to view the most current User Terms. It shall be your responsibility to check these User Terms periodically for changes. your continued use of the Site/Application/Services constitutes acceptance of the changes and an Agreement to be bound by User Term, as amended.
● NOTICE
Notices under these Terms & Conditions may be given by E-Reliant to the Customer in writing by delivering them to the last address given by the Customer. Customers may give notice to E-Reliant by delivering them to the address mentioned on Site/Application/Services. In the case of hand delivery, cable, telex, facsimile notices or electronic communication notices or instructions will be deemed served 7 days after posting or upon receipt as the case may be. Documents, which may be sent by electronic communication between the parties, may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Site/Application/Services. E-Reliant shall be deemed to have fulfilled any legal obligation to deliver to the Customer if any such document is sent via electronic delivery.
● EXCLUSIVE AGREEMENT
you agree that these User Terms are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and E-Reliant relating to the subject matter of these User Terms. These User Terms, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Site/Application/Services and/or E-Reliant.
● ASSIGNMENT
you shall not assign your rights under these User Terms without prior written approval of E-Reliant. E-Reliant can assign its rights under the User Terms to any affiliate.
● NO WAIVER
E-Reliant or any of its third party service providers etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. No delay or omission on the part of E-Reliant or service providers, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
● APPLICABLE LAW AND DISPUTE RESOLUTION
These User Terms are subject to the laws of India. Any dispute, claim or controversy arising out of or relating to these User Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Site, the Service or the Application (collectively, “Disputes”) the parties shall attempt to settle the same amicably, through negotiation and consultation at such offices of E-Reliant as E-Reliant may designate. In the event the dispute is not resolved internally between after at least 30 (thirty) days of negotiation, in good faith, the same shall be subject to binding and final arbitration in accordance with the Arbitration and Conciliation Act, 1996 as amended from time to time or in case the Arbitration and Conciliation Act, 1996 is no longer in force, as per any law relating to arbitration in force at the time of such reference. The reference shall be made to a sole arbitrator appointed by E-Reliant. The place of the arbitration shall be bhunabeswar, unless otherwise mutually agreed by E-Reliant and you in writing. Subject to the above, any Dispute will be subject to the exclusive jurisdiction of courts in Bangalore, India.
10. Changes in the Privacy Policy:
10.1 "4dadnmum" may update this Privacy Policy at any time, with or without advance notice. In the event there are significant changes in the way "4dadnmum" treats User's Personal Information, "4dadnmum" will display a notice on the Website or send Users an email. If a User uses the Service after notice of changes have been sent to such User or published on the Website, such User hereby provides his/ her/ its consent to the changed practices.
11. Complaints and Grievance Redressal:
11.1 "4dadnmum" addresses discrepancies and grievances of all Users with respect to processing of information in a time bound manner. For this purpose, "4dadnmum" has designated Dr. Yogesh Bhargava as the grievance officer, who will redress the grievances of the Users expeditiously but within one month from the date of receipt of grievance, and who can be reached by:
1. Sending a letter marked to the attention of “Grievance Officer, "4dadnmum" \Solution Pvt. Ltd” Plot # 572 & 554 ,Jaydev Vihar, Nayapalli , Bhubaneswar-751013
2. Sending an email to 4dadnmum@gmail.com
If you have any questions about this Privacy Policy, please contact us By email: 4dadnmum@gmail.com