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TERMS OF USE

Apollo 24|7 Insurance Services Limited is a Company duly incorporated under the provisions of the Companies Act, 2013, having its registered office at No.19, Bishop Gardens, R.A. Puram, Chennai, Tamil Nadu - 600028, India (hereinafter referred to as "Apollo" or "We" or "Us" or "Our" or "Company"). The website www.apollo247insurance.com or any mobile applications thereof (individually and collectively referred to as "Platform") is owned and operated by the Company.

The Platform can be accessed by any person ("You", "Yours", "User") through various internet enabled smart devices to choose from the various insurance products from various insurance companies with whom the Company has entered into an Agreement for offering the Insurance Products along with related services and any offerings that are incidental and ancillary thereto ("Services"), as available on the Platform. Apollo is not an insurance company but a licensed Corporate Agent Company holding a valid Corporate Agent licence from the Insurance Regulatory and Development Authority of India ("IRDAI").

THESE TERMS OF USE ("Terms Of Use") IS AN ELECTRONIC RECORD IN THE FORM OF AN ELECTRONIC CONTRACT FORMED UNDER INFORMATION TECHNOLOGY ACT, 2000 AND RULES MADE THEREUNDER AND THE AMENDED PROVISIONS PERTAINING TO ELECTRONIC DOCUMENTS / RECORDS IN VARIOUS STATUTES AS AMENDED BY THE INFORMATION TECHNOLOGY ACT, 2000. THESE TERMS OF USE DOES NOT REQUIRE ANY PHYSICAL, ELECTRONIC OR DIGITAL SIGNATURE.

The access of the Platform is subject to the notices, terms, and conditions set forth in these Terms of Use, read with the Privacy Policy along with other policies which can be accessed by the User as available on the Platform.

1. Governing Document:

1.1 These Terms of Use available at the Platform govern Your usage of the Platform and availing Services thereunder. If You transact on the Platform, You shall be subject to the policies that are applicable to the Platform for such transaction.

1.2 We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of the Platform following the posting of changes will mean that You accept and agree to the revisions. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and use the Services as available on the Platform.

1.3 The Company may assign, transfer, and subcontract its rights and/or obligations under these Terms of Use to any third party, as it may deem fit, and you shall continue to be bound by these Terms of Use in the event of such assignment, transfer, or subcontracting.

1.4 Our Platform is operated, and services are provided in compliance with the laws in India and the Company shall not be liable to provide any Services availed by you in locations outside India. If you access our services from locations outside India, you do so at your own risk and you are solely liable for compliance with applicable local laws. The User agrees to use the service to authorize an individual and get the services from the third party on his/her behalf. Where you use any third-party website or the services of any third party, you may be subject to alternative or additional terms and conditions of use and privacy policies of the respective third party/s.

2. Acknowledgment and Acceptance:

2.1 Entire Agreement: These Terms of Use together with below listed documents/policies (without limitation) available either at Platform or entered separately by the Company with You, as applicable, and all other notices, rules, guidelines with respect to Your use of Platform, constitutes the entire agreement ("Agreement") between the Company and You.

  • Privacy Policy.
  • Grievance Redressal.
  • Fraud Detection and Identification.
  • Cancellation and Refund.
  • Disclaimer.

2.2 You acknowledge and agree that Your usage (defined below) of the Platform are strictly regulatedm and governed by the terms and conditions of this Agreement.

3. Eligibility:

3.1 When You use the Platform, You represent that You meet the following primary eligibility criteria:

  • You are at least 18 years old or accessing the Platform under the supervision of a parent or guardian, who in such a case will be deemed as the recipient / end-user of the Services (as defined in these Terms of Use) for the purpose of these Terms of Use.
  • If Your age is below that of 18 years, your parents or legal guardians can transact on behalf of You if they are registered users.
  • You are legally competent to contract, and otherwise competent to receive the Services (as defined in these Terms of Use). Persons who are "incompetent to contract" within the meaning of the Indian Contract Act, 1872 including un-discharged insolvents, etc. are not eligible to use the Platform.
  • You have not been previously suspended or removed by the Company or any other Apollo group entity or disqualified for any other reason, from availing the Services.
  • The Company reserves the right to terminate your membership and/or refuse to provide You with access to the Platform if the Company discovers that You are under the age of 18 years.
  • Your registered id can only be utilized by You wherein Your details have been provided and We do not permit multiple persons to share a single login/ registration id.
  • We reserve our rights to refuse access to use the Services offered at the Platform to new Users or to terminate access granted to existing Users at any time without assigning any reasons for doing so and you shall have no right to object to the same.
  • You agree and acknowledge that You shall (i) create only 1 (one) account; (ii) provide accurate, truthful, current, and complete information when creating your account and in all Your dealings through the Platform; (iii) maintain and promptly update your account information; (iv) maintain the security of Your account by not sharing Your password with others and restricting access to Your account and Your computer; (v) promptly notify the Company if You discover or otherwise suspect any security breaches relating to the Platform; and (vi) take responsibility for all the activities that occur under Your account and accept all risk of unauthorized access.
  • We at Our discretion, reserve the right to permanently or temporarily suspend Users, to bar their use and access of the Platform, at any time while We investigate complaints or alleged violations of these Terms of Use or any Services, or for any other reason.

4. Services:

4.1 On the Platform, the Company provides Users with access to information primarily about insurance products and services including but not limited to general insurance, health insurance and life insurance products and related services (including but not limited to renewals). All information and material available on the Platform is only to assist the User of Platform who are interested in the Services provided by the Company and who wants to explore more options before concluding their transactions.

4.2 Any User, who avails of the Services after visiting Our Platform, does so solely at his own discretion, risk and responsibility. The Company does not make any recommendations nor gives any warranty (implied or express), guarantee or otherwise with respect to the quality, functionality, fitness for a particular purpose.

4.3 You acknowledge and agree that details available on the Platform is available for information purpose.

4.4 When You avail of any of the Services after visiting the Platform, You shall alone be responsible to complete the documentation part as per applicable laws and the Company shall not be responsible for any consequences (including without limitation, cancellation of transaction, incomplete or improper documentation) whatsoever.

4.5 You hereby grant unconditional and unequivocal consent and authorize the Company while acting on Your behalf for facilitating the transaction on the Platform, to make use of Your vehicle registration number or any other vehicle details as submitted by You on the Platform, to retrieve the information in relation to your motor vehicle or to confirm/ verify respective vehicle details from government or third party websites and applications through use of technological solutions or any other method itself or through third party service providers.

4.6 All the Services are provided at the sole discretion of the Company, and You acknowledges and agree that the Company can add or provide additional services not listed above, or can remove / suspend / cancel any or all services/products, listed above without any notice or liability.

5. Your Account And Login Options:

5.1 You may access the Platform or other information and material as available on the Platform, as a guest user, without any requirement of registration. Certain features and information are made available on the Platform for all users (called 'Guest User') who do not need to register or create any account on Platform. However, to avail other certain features, You may need to register / create an account by providing certain details e.g. Your name, contact details, email id etc.

5.2 Once You register on the Platform by providing your information through OTP authentication using Your mobile number, the Company sets up an account which is unique to You and You can login into your account and avail the Services.

5.3 If You use or access Our Platform or avail any Services through or at Platform as a Registered User, You acknowledge and agree that You shall be solely responsible for maintaining the confidentiality and shall not disclose the details of Your Account to any other person and that any activity occurred under Your Account shall be Your responsibility.

5.4 You agree that when You provide your information while registering/creating Your Account with Us, You shall not provide any information which is untrue, false, inaccurate, incomplete or not current and shall not use the details of any other person, or another user's account. The Company may suspend/delete Your Account or can limit/deny the access to the Platform or Services, any time, if Your Information is found to be untrue, false, inaccurate, not current or pertains to another user's account.

5.5 You agree that collection, storage, sharing or disclosure of your information that You provide to Us either as a guest user or Registered User or otherwise shall be governed by the Privacy Policy of the Company, incorporated herein by way of reference.

5.6 You expressly understand and agree that, to the maximum extent permitted by applicable laws the Company will not be liable for any loss that You may incur as a consequence of unauthorized use of your Account or Account information in connection with the Platform or any Services, either with or without Your knowledge.

6. User Content:

6.1 Being the originator of any information or material made available by You through the Company's Platform ("User Content"), You are solely responsible for the User Content that You upload, post, publish, transmit or otherwise make available on the Platform including all information submitted by You while availing the Services.

6.2 In case the User Content violates/infringes any patent, trademark, trade secret, copyright or any other proprietary or privacy rights of any third party or in contravention of any applicable law, then the Company may at its sole discretion may remove or disable the access to the User Content or any part thereof, without any notice to User.

6.3 You hereby grant the Company a perpetual, non-revocable, worldwide, royalty-free and sublicensable right and license to use, copy, distribute, display, publish, transmit, make available, reproduce, modify, adapt the User Content and create derivate works of the User Content. You represent and warrant that You own or otherwise control all of the rights to the User Content that You post or that You otherwise provide on or through the Platform; and that, as at the date that the User Content is posted or submitted on the Platform: (i) the User Content is accurate; (ii) use of the User Content does not breach these Terms of Use; and (iii) that such User Content is lawful.

7. Payment related information:

7.1 Access to Platform is free and Users (Registered or Guest) can browse the information/products and avail the Services free of charge.

7.2 The Company is only aiding in collection of premium amount on behalf of the insurer, whose insurance product You have chosen to buy. The acceptance of the insurance premium and final issuance of the policy is subject to underwriting norms and discretion of respective insurance company, whose policy You have chosen to buy.

8. Your use of the Platform:

8.1 As an end-user and recipient of Services, when You use the Platform, You agree to the following conditions of use:

A. Due diligence conditions:

  • You are solely responsible for the medical, health, and personal information you provide on the Platform, and You are requested to use Your discretion in providing such information.
  • You will provide accurate and complete information everywhere on the Platform, based on which You will receive the Services.
  • You will be solely responsible for all access to and use of this site by anyone using the password and identification originally assigned to you whether or not such access to and use of this site is actually authorized by you, including without limitation, all communications and transmissions and all obligations (including, without limitation, financial obligations) incurred through such access or use. You are solely responsible for protecting the security and confidentiality of the password and identification assigned to You.
  • The information provided by You may be used by us for the purpose of Services including analysis, research, training, and disclosure (where required) to our affiliates, group companies, agents and government authorities, etc., as stated in Our Privacy Policy. Please separately review and consent to Our Privacy Policy, accordingly.
  • The information provided by You can be retained by us and can be used without revealing Your identity, as per Our Privacy Policy.
  • We reserve Our rights to refuse Service or terminate accounts at Our discretion, if we believe that
  • You have violated or are likely to violate applicable law or these Terms and Conditions.

B. Scope of Services:

  • TThe Services availed by You via the Platform is an arrangement between You and the Insurance Company that You select. The Platform only facilitates connections between You and the Insurance Company and bears no responsibility for the outcome of Policy purchased by You.
  • We shall not be liable for deficiency or shortfall in the Insurance Policy purchased by You. Users are advised to use their discretion and read the Insurance Policy documents carefully.
  • If You are redirected to, or visit, any other website or app from the Platform, including for the purposes of browsing, or when the placement and/or fulfilment of an order of any product/service (or any other aspect related thereto) takes You to a different website/platform, We will not be responsible for products or services received or purchased by You on such other website or platform, or any aspect of your experience on such website or any representations and details provided on such website/platform concerning products/services being displayed or sold by such website/platform.
  • You may view and access the content available on the Platform solely for the purposes of availing the Services, and only as per these Terms and Conditions. You shall not modify any content on the Platform or reproduce, display, publicly perform, distribute, or otherwise use such content in any way for any public or commercial purpose or for personal gain.

C. Prohibitions:

  • You may not reproduce, distribute, display, sell, lease, transmit, create derivative works from, translate, modify, reverse-engineer, disassemble, decompile or otherwise exploit the Platform or any portion of it unless expressly permitted by the Company in writing.
  • You may not make any commercial use of any of the information provided on the Platform.
  • You may not impersonate any person or entity, or falsely state or otherwise misrepresent your identity, age or affiliation with any person or entity.
  • You may not upload any content prohibited under applicable law, and/or designated as "Prohibited Content".
  • You may not assign, transfer, or sub-contract any of your rights or obligations under these Terms or any related order for Products to any third party, unless agreed upon in writing by the Company.

9. Prohibited Content:

You shall not upload to, distribute, or otherwise publish through the Platform, the following Prohibited Content, which includes any content, information, or other material that:

  • Belongs to another person and which you do not own the rights to;
  • Iis harmful, harassing, blasphemous, defamatory, obscene, pornographic, paedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, libellous, racially or ethnically objectionable, or otherwise inconsistent with or contrary to the laws in force;
  • is hateful, racially or ethnically objectionable, disparaging of any person;
  • relates to or seems to encourage money laundering or gambling,
  • harm minors in any way;
  • infringes any patent, trademark, copyright, or other proprietary rights;
  • violates any law in India for the time being in force;
  • deceives or misleads the addressee about the origin of your message and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact;
  • communicates any information which is grossly offensive or menacing in nature;
  • impersonates another person;
  • contains software viruses or any other computer code and malicious programs;
  • File or program designed to interrupt, destroy or limit the functionality of any computer resource;
  • threatens the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, or public order, promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence;
  • is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person;
  • incites any offence or prevents investigation of any offence or insults any other nation;
  • You also understand and acknowledge that if you fail to adhere to the above, we have the right to remove such information and/or immediately terminate your access to the Services and/or to the Platform.

10. Indemnity:

You agree to indemnify and hold the Company (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms of Use, your violation of any law or the rights of a third party, or your use of the Platform.

11. Limitation of Liability:

  • The Services availed by you from an Insurance Company via the Platform are provided to You by the Insurance Company you select, and not by the Company. The limitation of liability specified in this section also applies to any Services availed by You from any third-party seller of services listed on the Platform.
  • The Platform only facilitates communications between You and the Insurance Company and as such the Company bears no responsibility for the quality and outcome of any such Services obtained by You from the respective Insurance Company, to the extent permitted by applicable law.
  • The Company itself does not provide any Insurance services. The Company is merely acting as a Corporate Agent of the Insurance Company. If You receive any advice and/or instructions from an Insurance Company You have contacted through the Platform, You are solely responsible for assessing such advice and/or instructions, and the consequences of acting on such advice and/or instructions, and all follow-up action, including following the Insurance Company's instructions.
  • In the event that the Company markets or promotes any Services to You, please note that such Services will be provided by the relevant Insurance Companies, and You are responsible for undertaking an assessment regarding the suitability of such Services and such Insurance Companies for Your purposes. Marketing or promotion of Services should be considered as being for informational purposes only, and does not constitute expert advice on the suitability of such services for Your specific insurance needs.
  • The Company advices the Users to make an independent assessment in respect of its accuracy or usefulness and suitability prior to making any decision in reliance hereof.
  • To the extent permitted by applicable law, the Company or its affiliates or any Apollo group companies will not be liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages arising out of or relating to: (i) these Terms and Conditions and Privacy Policy; (ii) Your use or inability to use the Platform; (iii) Your use of any third party services including Services provided by any Insurance Companies you contacted through the Platform.
  • The Company does not guarantee the accuracy of, and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services that the Company offers and the Company expressly reserves the right to correct any pricing errors on the Platform.
  • All information, software, products, and services are provided on "AS IS" basis and without warranty of any kind.

This section shall survive the termination of this Agreement and the termination of Your use of our Services or the Platform.

12. Data & Information Policy:

We respect your right to privacy in respect of any personal information provided to us for the purposes of availing our Services. To see how we collect and use your personal information, please see our Privacy Policy.

Account Deletion: Users have the right to delete their user account and personal information at any time, in line with the Company's commitment to data privacy and applicable laws. The Company will delete the user's data within 45 days of the account deletion request, and no further communications will be sent. Retrieval of deleted data will not be possible, except upon specific user request for account reactivation. The Company will mark the phone number as 'inactive' after account deletion, allowing subsequent logins without data retrieval.

13. Intellectual Property and Ownership:

All Confidential Information, including the inherent intellectual properties ("IP") which has been developed by the Company or its affiliates or by third parties under contract to the Company to develop same or which has been purchased by or licensed to the Company, remains the sole and exclusive property of the Company.

You shall be bound by the following obligations with respect to ownership of Intellectual Properties:

  • All works materials, software, documentation, methods, apparatus, systems and the like prepared, developed, conceived, or delivered as part of or in connection with the Services and all tangible embodiments thereof, shall be considered IP for any use of Our Platform under this Agreement.
  • The Company shall have exclusive title and ownership rights, including all intellectual property rights, throughout the world in all Services. To the extent that exclusive title and/or ownership rights may not originally vest in the Company as contemplated herein, You hereby irrevocably assigns all rights, title, and interest, including intellectual property and ownership rights, in the Services and information to the Company, and shall cause Your representatives to irrevocably assign to the Company all such rights in the IP.
  • All uses of any trademarks, service marks, and trade names in the Services or in the performance of the Services, and the goodwill associated therewith, whether by You or third parties, inures and shall inure to the benefit of the Company.
  • You agree not to circumvent, disable or otherwise interfere with security-related features of the Platform or features that prevent or restrict use or copying of any materials or enforce limitations on use of the Platform or the materials therein. The materials on the Platform or otherwise may not be modified, copied, reproduced, distributed, republished, downloaded, displayed, sold, compiled, posted or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photocopying, recording or other means.
  • No use of these may be made without the prior written authorization of the Company.

14. Miscellaneous:

14.1 Third Party Links and Resources

  • Where the Platform contains links to other sites and resources provided by third parties (including where our social media sharing plug-ins include links to third-party sites), these links are provided for your information only. We have no control over the contents of those websites/platforms or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.
  • The Company is neither guaranteeing nor making any representation with respect to the goods or services made available or sold by such third-party. The Company does not provide any warranty or recommendation in relation to the products and/or services made available to you by such third parties during your access or use of such third-party website/platform including in relation to delivery, services, suitability, merchantability, reliability, availability or quality of the products and/or services.
  • You shall not hold the Company, its group entities, affiliates, or their respective directors, officers, employees, agents, and/or vendors responsible or liable for any actions, claims, demands, losses, damages, personal injury, costs, charges, and expenses which you claim to have suffered, sustained or incurred, or claim to suffer, sustain or incur, directly or indirectly, on account of your use or access of third party website/platform.
  • The use of such a link to visit the third-party website/platform implies full acceptance of these Terms and Conditions. The Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content available on or through any such third-party linked website, including without limitation any form of transmission received from any third party website or its server.

14.2 Amendments

  • We may from time to time update or revise these Terms and Conditions. Every time you wish to use the Platform, please check the relevant Terms and Conditions and Privacy Policy to ensure you understand the terms that apply at that time.

14.3 Force Majeure

We will not be liable for any non-compliance or delay in compliance with any of the obligations we assume under any contract when caused by events that are beyond our reasonable control ("Force Majeure"). Force Majeure shall include any act, event, failure to exercise, omission or accident that is beyond our reasonable control, including, among others, the following:

  • Strike, lockout or other forms of protest
  • Civil unrest, revolt, invasion, terrorist attack or terrorist threat, war (declared or not) or threat or preparation for war.
  • Fire, explosion, storm, flood, earthquake, collapse, epidemic or any other natural disaster.
  • Inability to use public or private transportation and telecommunication systems.
  • Acts, decrees, legislation, regulations or restrictions of any government or public authority including any judicial determination.

Our obligations deriving from any contracts should be considered suspended during the period in which Force Majeure remains in effect and we will be given an extension of the period in which to fulfil these obligations by an amount of time we shall communicate to you, not being less than the time that the situation of Force Majeure lasted.

14.4 Termination

  • We may terminate this arrangement at any time, with or without cause. If you wish to terminate this arrangement, you may do so at any time by discontinuing your access or use of this Platform.
  • We reserve the right to refuse the use of Services immediately in case your conduct is deemed by us to be in contravention of applicable acts, laws, rules, and regulations or these Terms and Conditions or considered to be unethical/immoral; and
  • For change in law specifically, we reserve our rights to suspend our obligations under any contract indefinitely, and/or provide Services under revised Terms and Conditions.

14.5 Applicable Laws, Jurisdiction, And Dispute Resolution

  • The use of our Platform shall be governed by the laws applicable in India, without reference to the conflict of laws principles;
  • Any dispute relating to the use of our Services shall be subject to the exclusive jurisdiction of the courts at Chennai, India; and
  • If any dispute, difference, or claim arises between Us and You in connection with this Agreement or the validity, interpretation, implementation, or alleged breach of this Agreement or anything is done, omitted to be done pursuant to this Terms and Conditions, You shall first endeavour to resolve the same through conciliation and negotiation. However, if the dispute is not resolved through conciliation and negotiation within 30 days after the commencement of such conciliation or within such period mutually agreed in writing, then We may refer the dispute for resolution by arbitration under the Indian Arbitration and Conciliation Act, 1996 as amended from time to time (the "Act") by a sole arbitrator to be appointed mutually by both the Parties. In the event the parties fail to agree on a sole arbitrator, a sole arbitrator shall be appointed in accordance with the Act. The seat and venue of arbitration will be in Chennai. The Arbitration shall be conducted in the English language.

14.6 Severability

  • If, for any reason, a court of competent jurisdiction finds any provision of these Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of the Parties as reflected by that provision, and the remainder of the Terms shall continue in full force and effect.

14.7 Waiver

  • No provision of these Terms of Use shall be deemed to be waived and no breach excused, unless such waiver or consent shall be in writing and signed by the Company. Any consent by the Company to, or a waiver by the Company of any breach by Other Parties, whether expressed or implied, shall not constitute consent to, waiver of, or excuse for any other different or subsequent breach.

14.8 Contact Us

  • If you have any questions concerning the Platform and the Terms and Conditions, you may contact Mr. Prateek Tomar, our Grievance Officer cum Principal Officer at grievance.officer@apollo247insurance.com. Please note that upon lodging a complaint, a ticket number shall be given to you by which you may track the status of your complaint.
Terms and Conditions

 

APOLLO HEALTHCO LIMITED - TERMS OF USE

 

These Terms of Use (“Terms of Use”) is an electronic record in terms of the Information Technology Act, 2000, and rules thereunder, as applicable, and the amended provisions pertaining to electronic records  in various statutes, as amended from time to time by the Information Technology Act, 2000. These Terms  of Use does not require any physical or digital signatures. 

These Terms of Use is published in accordance with the provisions of rule 3(1) of the Information Technology (Intermediaries Guidelines and Digital Media Ethics Code) Rules, 2021 as amended from time  to time, which requires publishing of the rules and regulations, privacy policy and terms for access or  usage of www.apollo247.com website and its mobile application. 

1. GENERAL: 

1.1.We, at Apollo Healthco Limited, a company duly incorporated under the provisions of the Companies Act, 2013, having its registered office at No.19, Bishop Gardens, R.A. Puram, Chennai, Tamil Nadu -  600028, India (“AHL”, “We”, “Us”, “Our” “Company”) provide services to all individuals accessing or  using our app, Apollo 24|7 and website (www.apollo247.com) (collectively “Platform”) for any reason  (“You”, “Yours”, “User”) subject to the notices, terms, and conditions set forth in these Terms of Use  (“Terms of Use”, “Agreement”, “Terms”), read with the Privacy Policy, Return Policy, Payment &  Refunds Policy available here https://www.apollo247.com. AHL and User are hereinafter individually  referred to as the “Party” and collectively as the “Parties”.  

1.2.These Terms of Use together with below listed documents/policies (without limitation) available  either at Platform or entered separately by the Company with You, as applicable, and all other notices,  rules, guidelines with respect to Your use of the Platform, constitutes the entire agreement (“Agreement”) between the Company and You: 

i. Privacy Policy; ii-Return Policy; and iii- Payment and Refund Policy. 

1.3.The domain name www.apollo247.com, an internet-based portal, and “Apollo24|7”, a mobile application, is run, operated, and maintained by AHL. AHL may assign, transfer, and subcontract its  rights and/or obligations under these Terms of Use to any third party, as it may deem fit, and you shall  continue to be bound by these Terms of Use in the event of such assignment, transfer, or  subcontracting. 

1.4.Our Platform is operated, and services are provided in compliance with the laws in India and AHL shall not be liable to provide any Services availed by you in cations outside India. If you access our services  from locations outside India, you do so at your own risk and you are solely liable for compliance with  applicable local laws. The User agrees to use the service to authorize an individual and get the services  from the third party on his/her behalf. Where you use any third-party website or the services of any  third party, you may be subject to alternative or additional Terms of Use of use and privacy policies  of the respective third party/s. 

Any accessing or browsing of the Platform and using the Services (as defined in these Terms of Use) indicates your Agreement to all the Terms of Use in this Agreement. If you disagree with any part of the  Terms of Use, then you may discontinue access or use of the Platform. 

2. ELIGIBILITY: 

When You use the Platform, You represent that You meet the following primary eligibility criteria: 

a. You are at least 18 years old or accessing the Platform under the supervision of a parent or  guardian, who in such a case will be deemed as the recipient / end-user of the Services (as defined  in these Terms of Use) for the purpose of these Terms of Use. 

b. If Your age is below that of 18 years, your parents or legal guardians can transact on behalf of You if they are registered users. You are prohibited from purchasing any material the sale or purchase  of which to/by minors is prohibited and which is for consumption by adults only. 

c. You are legally competent to contract, and otherwise competent to receive the Services (as  defined in these Terms of Use). Persons who are "incompetent to contract" within the meaning  of the Indian Contract Act, 1872 including un-discharged insolvents, etc. are not eligible to use the  Platform. 

d. You have not been previously suspended or removed by AHL or any other Apollo group entity or  disqualified for any other reason, from availing the Services. 

e. AHL reserves the right to terminate your membership and/or refuse to provide You with access  to the Platform if AHL discovers that You are under the age of 18 years. 

f. Your registered id can only be utilized by You wherein Your details have been provided and We  do not permit multiple persons to share a single login/ registration id. 

g. We reserve our rights to refuse access to use the Services offered at the Platform to new Users  or to terminate access granted to existing Users at any time without assigning s any reasons for  doing so and you shall have no right to object to the same. 

h. Organizations, companies, and businesses may not become registered Users on the Platform or  use the Platform through individual Users. 

i. You agree and acknowledge that You shall (i) create only 1 (one) account; (ii) provide accurate, truthful, current, and complete information when creating your account and in all Your dealings  through the Platform; (iii) maintain and promptly update your account information; (iv) maintain  the security of Your account by not sharing Your password with others and restricting access to  Your account and Your computer; (v) promptly notify AHL if You discover or otherwise suspect any security breaches relating to the Platform; and (vi) take responsibility for all the activities that occur under Your account and accept all risk of unauthorized access. 

j. We at Our discretion, reserve the right to permanently or temporarily suspend Users, to bar their use and access of the Platform, at any time while We investigate complaints or alleged violations  of these Terms of Use or any Services, or for any other reason. 

3. OUR SERVICES 

Through the Platform, We provide You with the following services (“Services”):  

a. Creating and maintaining user accounts: 

Users need to register on the Platform in order to use the Platform or the Services provided through the Platform. In order to register, You have to provide certain personal details including but not limited  to Your name, phone number, email address, birth date, gender, etc. 

b. Scheduling an appointment for medical consultation: 

i. You can book an appointment for a medical consultation with a healthcare or wellness service provider/doctor/physician (“HSP”) listed on the Platform. Medical consultations on the  Platform shall be available for multi specialties. 

ii. You will receive a confirmation of appointment for medical consultation with a HSP, on the  Platform and/or via SMS and/or email / online communication messaging services. We reserve  the right to reschedule or cancel an appointment without any prior notice. The time provided  for a consultation to you is indicative and actual consultation time may change depending on 

the consulting HSP’s discretion or other circumstances, for which You shall be accordingly  communicated. You agree that there might be technological/logistic/unforeseen circumstances  that might lead to delay or cancellation of the consultation for which appropriate resolution  either as rescheduling/ refund shall be provided. For any support related to issue/s faced by You  pre/during / post consultation, You can reach Us through various channels as set out on the Platform or the detail as set out in Section 12.8 of this Terms of Use, and Our team shall help  You for the same. Consultations can be booked, rescheduled, or cancelled free of cost up to 15  (fifteen) minutes prior to the scheduled /booked appointment time for an audio/video/chat 

based consultation (“Online Medical Consultation”) and up to 30 (thirty) minutes prior to the scheduled/booked the appointment time for a physical visit based consultation. You are  allowed to reschedule an Online Medical Consultation up to a maximum of 3 (three) times for  free and are allowed to reschedule a physical consultation once for free. 

 

iii. Your consulting HSP reserves the right to provide a free review, post-medical consultation. 

c. Holding medical consultations: 

You can have an Online Medical Consultation via audio call or video call or chat on the Platform with the HSP selected by You /allocated to You. Please ensure that You are equipped with proper video  conference equipment and internet connectivity as required for the Service You want to avail. In case  of inadequate video conference equipment, technical error, or defective internet connectivity, We  reserve the right to reschedule or cancel Your appointment without any notice. 

You understand and acknowledge that there will not be any physical examination involved and the  Online Medical Consultation services shall be provided remotely in accordance with these Terms of  Use. The opinion delivered by the HSP shall solely be based on the verbal communication between the  concerned HSP and the patient, and any test reports and other information provided/uploaded by You  on the Platform. 

Your medical records may be viewed by the HSP on the chat facility provided on the Platform in the  course of medical consultations and will remain accessible to You for a specific number of days after  a particular consultation concludes, as determined by the HSP. 

i. The Services are not meant in any way for emergency and life-threatening conditions. It is advised to take the patient to the nearest hospital in such cases or as advised by HSP. 

ii. In case the HSP is not responding You are advised to get in touch with our customer care.  d. Receiving e-prescription from the HSP based on the medical consultation:  You shall receive an e-prescription on the Platform after consultation with the concerned HSP 

e. Accessing Your medical records on the Platform: 

You can access your medical records on the Platform. 

f. Diagnostics Services: 

You may book an appointment for seeking the diagnostic tests and packages offered by Apollo  Diagnostics on the Platform. You may book diagnostic test(s) and package(s) on the Platform and visit  the concerned diagnostics centres / lab of the Apollo Diagnostics or schedule the sample pickup from  home by the Apollo Diagnostics and you shall comply with Terms of Use of the Apollo Diagnostic which  is available at https://www.apollodiagnostics.in/terms-and-conditions.

g. Any other services: 

That is made available on the Platform from time to time subject to the scope of Services specified  under Section 4 below. 

4. YOUR USE OF THE PLATFORM 

As an end-user and recipient of Services, when You use the Platform, You agree to the following  conditions of use: 

A. Due diligence conditions: 

a. You are solely responsible for the medical, health, and personal information you provide on the Platform, and You are requested to use Your discretion in providing such information. 

b. The advice or the Services provided by the HSP will depend upon the information You provide on  the Platform. You will provide accurate and complete information everywhere on the Platform,  based on which You will receive the Services. 

c. You will be solely responsible for all access to and use of this site by anyone using the password and identification originally assigned to you whether or not such access to and use of this site is  actually authorized by you, including without limitation, all communications and transmissions and  all obligations (including, without limitation, financial obligations) incurred through such access or  use. You are solely responsible for protecting the security and confidentiality of the password and  identification assigned to You. 

d. The information provided by You may be used by us for the purpose of Services including analysis, research, training, and disclosure (where required) to our affiliates, group companies, agents and  government authorities, etc., as stated in Our Privacy Policy (available at https://www.apollo247.com/privacy ). Please separately review and consent to Our Privacy Policy,  accordingly. 

e. The information provided by You can be retained by us and can be used without revealing Your  identity, as per Our Privacy Policy available at https://www.apollo247.com/privacy. 

f. We reserve Our rights to refuse Service or terminate accounts at Our discretion, if we believe that  You have violated or are likely to violate applicable law or these Terms of Use. 

B. Scope of Services: 

a. The Services availed by You from a HSP via the Platform are an arrangement between You and the HSP  You select. The Platform only facilitates connections between You and the HSP and bears no  responsibility for the outcome of any such medical consultation or other Services obtained by You. 

b. We shall not be liable for deficiency or shortfall in Services/misdiagnosis / faulty judgment/interpretation error/perception error / adverse events/inefficacy of prescribed treatment or advice or investigation reports/validity of the advice or prescription or investigation reports  provided by the HSP / unavailability of the recommended or prescribed treatment or medication  under any condition or circumstances. Users are advised to use their discretion for following the advice  obtained post-medical consultation with HSP via the Platform or post Services. 

c. We only facilitate the connections between You and the HSP established through the Platform and does not in any way facilitate, encourage, permit, or require you to contact the HSP outside the  Platform. Any contact between You and the HSP through the Platform, will be subject to these Terms  of Use. 

d. If You are redirected to, or visit, any other website or app from the Platform, including for the purposes of browsing, or when the placement and/or fulfilment of an order of any product/service (or any other  aspect related thereto) takes You to a different website/platform, We will not be responsible for  products or services received or purchased by You on such other website or platform, or any aspect  of your experience on such website or any representations and details provided on such website/platform concerning products/services being displayed or sold by such website/platform. In  particular, You may visit or be redirected to the Apollo Pharmacy website at https://www.apollopharmacy.in or the Apollo Pharmacy Interface (within the Apollo 24|7 application)  (collectively “APL Platforms”) for browsing and purchase of medicines, permitted medical devices, and  other products (including all aspects concerning placement of orders and payments in relation  thereto), which is powered, owned, controlled and operated solely by an independent and distinct  entity - Apollo Pharmacy Limited, a company incorporated in India (“APL”). AHL has no control  whatsoever over the APL Platforms (including the information and contents displayed therein, the  inventory of the products sold and the pricing thereof and the presentation/display thereof) and shall  not have any responsibility or liability in respect of Your experience on the APL Platforms, including  products sold and delivered to You via the APL Platforms, and any customer care support You may  receive in respect of such products. The entire user experience and data pertaining to Your usage of  the APL Platforms would be stored exclusively by APL on its own servers. By visiting the APL Platforms,  You agree to and accept the terms of use of the APL Platforms. AHL would not be involved in any  interaction between You and APL including any payments made by You in respect of the products purchased on the APL Platforms and all products purchased by You on the APL Platforms will be sold,  packaged, dispensed, delivered, and fulfilled solely by APL. For the avoidance of doubts, it is expressly  clarified that – (i) AHL or We is/are not acting as a ‘marketplace’ in so far as display, exhibition, delivery,  fulfilment, purchase or sale of any products over APL Platforms is concerned; (ii) APL is not a seller on  the Platform and by merely providing a re-direction link, AHL is not allowing or permitting APL to be a  seller on the Platform. You also agree and acknowledge that AHL through the Platform: (i) merely  provides a link to APL Platforms for the purposes of re-direction; (ii) only provides the relevant  technological connectors to APL so as to help seamlessly integrate the APL Platforms with the Apollo  24|7 application so that there is as minimal experience loss to You; and (iii) merely acts as a  communication link (at the behest of APL) in respect of any complaints relating to the products listed  on the APL Platforms, made by You on the Platform, with the actual resolution of complaints being  handled exclusively by APL. You also agree and acknowledge that AHL is not involved in, in any manner  whatsoever, and does not facilitate (i) the sale of products on the APL Platforms, with AHL not being  privy to the contractual relationship/arrangement as entered into between APL and You in so far as  purchase/sale of products over APL Platforms is concerned (ii) the payments for products sold over  APL Platforms, and that the same is facilitated solely by APL and/or any third party entities (including  payment aggregators) engaged by APL for such purpose; (iii) the invoicing of products sold over the  APL Platforms; and (iv) the prescription validation undertaken on the APL Platforms by APL and/or any  third party entities engaged by APL for such purpose. 

e. You may view and access the content available on the Platform solely for the purposes of availing the Services, and only as per these Terms of Use. You shall not modify any content on the Platform or  reproduce, display, publicly perform, distribute, or otherwise use such content in any way for any  public or commercial purpose or for personal gain. 

C. Prohibitions: 

a. You may not reproduce, distribute, display, sell, lease, transmit, create derivative works from, translate, modify, reverse-engineer, disassemble, decompile or otherwise exploit the Platform or any  portion of it unless expressly permitted by AHL in writing. 

b. You may not make any commercial use of any of the information provided on the Platform. 

c. You may not impersonate any person or entity, or falsely state or otherwise misrepresent your  identity, age or affiliation with any person or entity. 

d. You may not upload any content prohibited under applicable law, and/or designated as “Prohibited  Content” under Section 5. 

e. You may not contact or make any attempt to contact the concerned HSP for a consultation, follow up to a prior medical consultation or for any other reason outside the Platform via email, SMS, messaging services or any other mode of communication outside the authorized channels. 

f. You may not assign, transfer, or sub-contract any of your rights or obligations under these Terms or any related order for Products to any third party, unless agreed upon in writing by AHL. 

5. PROHIBITED CONTENT 

You shall not upload to, distribute, or otherwise publish through the Platform, the following Prohibited  Content, which includes any content, information, or other material that: 

a. belongs to another person and which you do not own the rights to; 

b. is harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, invasive of another's privacy, including bodily privacy, insulting or harassing on the basis of gender, libellous,  racially or ethnically objectionable, or otherwise inconsistent with or contrary to the laws in force; c. is hateful, racially or ethnically objectionable, disparaging of any person; 

d. relates to or seems to encourage money laundering or gambling, 

e. harm minors in any way; 

f. infringes any patent, trademark, copyright, or other proprietary rights; 

g. violates any law in India for the time being in force; 

h. deceives or misleads the addressee about the origin of your message and intentionally  communicates any information which is patently false or misleading in nature but may reasonably  be perceived as a fact; 

i. communicates any information which is grossly offensive or menacing in nature; j. impersonates another person; 

k. contains software viruses or any other computer code and malicious programs;  l. File or program designed to interrupt, destroy or limit the functionality of any computer resource;  m. threatens the unity, integrity, defence, security, or sovereignty of India, friendly relations with foreign states, or public order, promoting enmity between different groups on the grounds of religion or caste with the intent to incite violence; 

n. is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person; o. incites any offence or prevents investigation of any offence or insults any other nation; p. is abusive or inappropriate to the HSP conducting your medical consultation or any employees,  consultants or technicians of AHL or any other Apollo group company or affiliate who you may  interact with for availing Services; and 

q. is not relating to the medical consultation or relating to any of the services you avail from us.

You also understand and acknowledge that if you fail to adhere to the above, we have the right to  remove such information and/or immediately terminate your access to the Services and/or to the  Platform. 

6. INDEMNITY 

You agree and undertake to indemnify and keep indemnified AHL, its affiliates, and any Apollo group companies, the concerned HSP, representatives, and each of their respective directors, officers or employees (“Indemnified Persons”) and us for any losses, costs, charges, and expenses including  reasonable attorney fees that the concerned Indemnified Persons may suffer on account of: 

a. deficiency or shortfall in Services/misdiagnosis / faulty judgment/interpretation errors/perception error arising from: 

1. your failure to provide correct and/or complete clinical information/history about the patient  in a timely and clinically appropriate manner; or 

2. suppression of material facts; or your failure to provide relevant clinical information about the patient; or 

3. misinterpretation of the advice/prescription/diagnosis/investigation report by you; or  

4. failure to follow doctor’s advice/prescription by you; or 

5. failure to follow instructions of the HSP in respect of the Services or medical procedures prescribed by the HSP by you; 

b. incorrect or inaccurate credit/debit card details provided by you; or 

c. using a credit/debit card which is not lawfully owned by you; or 

d. you permitting a third party to use your password or other means to access your account.  

7. LIMITATION OF LIABILITY 

By using our Services, you confirm that You understand and agree to the following: 

a. The Services availed by you from an HSP via the Platform are provided to You by the HSP you  select, and not by AHL. The limitation of liability specified in this section also applies to any  Services availed by You from any third-party seller of services listed on the Platform. 

b. The Platform only facilitates communications between You and the HSP and as such AHL bears  no responsibility for the quality and outcome of any such Services obtained by You from the  respective HSP, to the extent permitted by applicable law. 

c. AHL itself does not provide any medical consultation or diagnostic services. If You receive any medical advice/investigation reports from an HSP you have contacted through the Platform, You  are responsible for assessing such advice, and reports the consequences of acting on such advice or  reports, and all post-consultation follow-up action, including following the HSP’s instructions. In the  event that AHL markets or promotes any Services to You, please note that such Services will be  provided by the relevant HSP, and You are responsible for undertaking an assessment regarding the  suitability of such Services and such HSPs for Your purposes. Marketing or promotion of Services  should be considered as being for informational purposes only, and does not constitute expert  advice on the suitability of such services for Your specific healthcare needs.

d. The Services provided through the Platform is not intended in any way to be a substitute for face to -face consultation with a doctor. AHL advices the Users to make an independent assessment in  respect of its accuracy or usefulness and suitability prior to making any decision in reliance hereof. 

e. To the extent permitted by applicable law, AHL or its affiliates or any Apollo group companies will not be liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages arising out of or relating to: (i) these Terms of Use and Privacy Policy;  (ii) Your use or inability to use the Platform; (iii) Your use or inability to use the AI assistant (iv) Your  use of any third party services including Services provided by any HSP you contacted through the  Platform. 

This section shall survive the termination of this Agreement and the termination of Your use of our Services or the Platform. 

8. MODIFICATION OF THE PLATFORM: 

The Company reserves the right to modify or discontinue, temporarily or permanently, the Platform or any features or portions thereof without prior notice. The Users or any other Parties agree that the  Company will not be liable for any modification, suspension or discontinuance of the Platform or any  other part thereof. 

9. DATA & INFORMATION POLICY 

9.1.We respect your right to privacy in respect of any personal information provided to us for the purposes of availing our Services. To see how we collect and use your personal information, please see our  Privacy Policy available at https://www.apollo247.com/privacy. 

9.2.Account Deletion: Users have the right to delete their AHL account and personal information at any time, in line with AHL's commitment to data privacy and applicable laws. AHL will delete the user's  data, and no further communications will be sent. Deletion an account is permanent action and  cannot be reversed. In case you want to use our Services again, you will need to create a new account  which will have no previous order history. In order to delete your account, please follow these steps:  “Go to My Account > Help/Need Help > Account & Health Records > I want to delete my account > My  Issue is still not resolved > type “Delete my account” > raise an enquiry”. 

10. INTELLECTUAL PROPERTY AND OWNERSHIP 

10.1.All Confidential Information, including the inherent intellectual properties (“IP”) which has been developed by AHL or its affiliates or by third parties under contract to AHL to develop same or which  has been purchased by or licensed to AHL, remains the sole and exclusive property of AHL. 

10.2.You shall be bound by the following obligations with respect to ownership of Intellectual Properties : 

(i) All works materials, software, documentation, methods, apparatus, systems and the like  prepared, developed, conceived, or delivered as part of or in connection with the Services and  all tangible embodiments thereof, shall be considered IP for any use of Our Platform under this  Agreement. 

(ii) AHL shall have exclusive title and ownership rights, including all intellectual property rights,  throughout the world in all Services. To the extent that exclusive title and/or ownership rights  may not originally vest in AHL as contemplated herein, You hereby irrevocably assigns all right,  title, and interest, including intellectual property and ownership rights, in the Services, medical  records, and information to AHL, and shall cause Your representatives to irrevocably assign to  AHL all such rights in the IP. 

(iii) All uses of any trademarks, service marks, and trade names in the Services or in the performance  of the Services, and the goodwill associated therewith, whether by You or third parties, inures  and shall inure to the benefit of AHL. 

(iv) You agree not to circumvent, disable or otherwise interfere with security-related features of the Platform or features that prevent or restrict use or copying of any materials or enforce  limitations on use of the Platform or the materials therein. The materials on the Platform or  otherwise may not be modified, copied, reproduced, distributed, republished, downloaded,  displayed, sold, compiled, posted or transmitted in any form or by any means, including but not  limited to, electronic, mechanical, photocopying, recording or other means. 

(v) No use of these may be made without the prior written authorization of AHL.  11. OTHER CONDITIONS 

11.1. Payment and Refund: 

Please note that your payments are processed in accordance with applicable laws as amended from  time to time and You may refer to our Payment and Refunds Policy for details, and such policy available  at https://www.apollo247.com/refund-policy 

11.2.AI Assistant 

We use an AI Assistant to guide patients seeking medical help or treatment from the Platform. This AI Assistant’s primary purpose is to allow users to book appointments by letting them enter their  symptoms, medical conditions, or treatment that they are seeking to consult with an HSP. Further the  AI tools developed and provided by AHL are intended to support licensed HSP by offering diagnostic  assistance, data analysis, and treatment recommendations of the case which they have full control  over to use or discard based on their own assessment. These tools are designed to complement but  not replace, the expertise, skill, knowledge, and judgment of HSP. 

You understand that: 

i. You shall never use the AI assistant in a medical or psychiatric emergency; 

ii. In case of an emergency, you should dial 112 or visit the emergency department at Apollo  Hospitals; 

iii. You can use this Platform on behalf of other users (third parties) only if you are a legal guardian  of such persons, meaning that you have the legal authority to care for the personal and property  interests of such persons; and 

iv. No content on the Platform, is or should be considered, or used as a substitute for, medical  advice, care, diagnosis, or treatment. 

The User may be directed to chat or call with our patient support team, in certain cases which include  but are not limited to the following: 

i. Uncertain outcome from the AI assistant; 

ii. Change in the schedule of appointments; 

iii. Incomplete appointment booking; 

iv. Any other case as deemed appropriate by AHL. 

11.3.Accuracy of Information Displayed 

i. The AI algorithms are based on current medical research, data, and methodologies. However, due to  the complexity of medical science and variability in individual cases, the outcomes generated by these  tools may vary and are subject to inaccuracies.  

ii. AHL does not guarantee the precision, completeness, or usefulness of the information provided by the AI tools. Further the AI tools are not designed to replace professional(s) medical judgment and this may be used as one of multiple sources of information in the clinical decision-making process, you are  advised to consult the HSP. 

iii. We have made every effort to display, as accurately as possible, the information provided by the relevant third parties including HSPs. However, we do not undertake any liability in respect of such  information and or with respect to any other information in regard to which you are capable of  conducting Your own due diligence to ascertain accuracy. 

iv. By using the AI tools provided by AHL, you acknowledge that you have read, understood, and agreed  to this disclaimer. You accept that these tools are designed to assist, not replace, clinical judgment  and that AHL is not liable for any decisions made based on the use of these tools 

12. MISCELLANEOUS: 

12.1. THIRD-PARTY LINKS AND RESOURCES 

a. Where the Platform contains links to other sites and resources provided by third parties (including where our social media sharing plug-ins include links to third-party sites), these links are provided  for your information only. We have no control over the contents of those websites/platforms  (including without limitation APL Platforms) or resources and accept no responsibility for them or  for any loss or damage that may arise from your use of them. 

b. AHL is neither guaranteeing nor making any representation with respect to the goods or services  made available or sold by such third-party. AHL does not provide any warranty or recommendation  in relation to the products and/or services made available to you by such third parties during your  access or use of such third-party website/platform including in relation to delivery, services,  suitability, merchantability, reliability, availability or quality of the products and/or services. 

c. You shall not hold AHL, its group entities, affiliates, or their respective directors, officers, employees, agents, and/or vendors responsible or liable for any actions, claims, demands, losses,  damages, personal injury, costs, charges, and expenses which you claim to have suffered, sustained  or incurred, or claim to suffer, sustain or incur, directly or indirectly, on account of your use or  access of third party website/platform. 

d. AHL is not a party to any contractual arrangements entered into between you and the third-party website/platform. We are not the agent of the third party and such third-party website/platform  is governed exclusively by its respective policies over which AHL has no control. 

e. The use of such a link to visit the third-party website/platform implies full acceptance of these  Terms of Use. AHL shall not be responsible or liable, directly or indirectly, for any damage or loss  caused or alleged to be caused by or in connection with the use of or reliance on any such content  available on or through any such third-party linked website, including without limitation any form  of transmission received from any third party website (including without limitation APL) or its  server. 

12.2. AMENDMENTS 

We may from time to time update or revise these Terms of Use. Every time you wish to use the  Platform, please check the relevant Terms of Use, Privacy Policy, Return Policy and Payment & Refund  Policy to ensure you understand the terms that apply at that time. 

12.3. FORCE MAJEURE 

We will not be liable for any non-compliance or delay in compliance with any of the obligations we assume under any contract when caused by events that are beyond our reasonable control (“Force  Majeure”). Force Majeure shall include any act, event, failure to exercise, omission or accident that is  beyond our reasonable control, including, among others, the following: 

a. Strike, lockout or other forms of protest 

b. Civil unrest, revolt, invasion, terrorist attack or terrorist threat, war (declared or not) or threat or preparation for war. 

c. Fire, explosion, storm, flood, earthquake, collapse, epidemic or any other natural disaster.  d. Inability to use public or private transportation and telecommunication systems.  e. Acts, decrees, legislation, regulations or restrictions of any government or public authority  including any judicial determination. 

Our obligations deriving from any contracts should be considered suspended during the period in  which Force Majeure remains in effect and we will be given an extension of the period in which to  fulfill these obligations by an amount of time we shall communicate to you, not being less than the  time that the situation of Force Majeure lasted. 

12.4. TERMINATION 

12.4.1 We may terminate this arrangement at any time, with or without cause. If you wish to terminate this  arrangement, you may do so at any time by discontinuing your access or use of this Platform. 

12.4.1 We reserve the right to refuse the use of Services immediately in case your conduct is deemed by us  to be in contravention of applicable acts, laws, rules, and regulations or these Terms of Use or  considered to be unethical/immoral; and 

12.4.1 For change in law specifically, we reserve our rights to suspend our obligations under any contract indefinitely, and/or provide Services under revised Terms of Use. 

12.5. APPLICABLE LAWS, JURISDICTION, AND DISPUTE RESOLUTION 

12.5.1 The use of our Platform shall be governed by the laws applicable in India, without reference to the conflict of laws principles. Any dispute relating to the use of our Services shall be subject to the exclusive jurisdiction of the courts at Chennai, Tamil Nadu, India; and 

12.5.1 If any dispute, difference, or claim arises between Us and You in connection with this Terms of Use or the validity, interpretation, implementation, or alleged breach of this Agreement or anything is  done, omitted to be done pursuant to this Terms of Use, You shall first endeavor to resolve the  same through conciliation and negotiation. However, if the dispute is not resolved through  conciliation and negotiation within 30 days after the commencement of such conciliation or within  such period mutually agreed in writing, then We may refer the dispute for resolution by arbitration  under the Indian Arbitration and Conciliation Act, 1996 as amended from time to time ("the Act”) by  a sole arbitrator to be appointed mutually by the Parties. In the event the Parties fail to agree on a  sole arbitrator, a sole arbitrator shall be appointed in accordance with the Act. The seat and venue of  arbitration will be in Chennai, Tamil Nadu. The Arbitration shall be conducted in the English language. 

12.6. SEVERABILITY 

If, for any reason, a court of competent jurisdiction finds any provision of these Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so  as to give effect to the intent of the Parties as reflected by that provision, and the remainder of the  Terms shall continue in full force and effect. 

12.7. WAIVER 

No provision of these Terms of Use shall be deemed to be waived and no breach excused, unless such waiver or consent shall be in writing and signed by AHL. Any consent by AHL to, or a waiver by AHL of  any breach by Other Parties, whether expressed or implied, shall not constitute consent to, waiver of,  or excuse for any other different or subsequent breach 

12.8. CONTACT US AND GRIEVANCE REDRESSAL MECHANISM 

In accordance with the Consumer Protection (E-Commerce) Rules, 2020 as amended from the time to  time, the Company has designated a Grievance Officer who will be responsible for the Users grievance  redressal, you can contact our Grievance Officer through the below mentioned details:

Online Medicines OrdersMr. Karan Sharmagrievance@apollo247.org 080-45050410

Online Diagnostic Bookings

Mr. Preethesh Fernandes

grievance@apollo247.org

080-45050411

Doctor Consultation Bookings 

Ms. Sonali Dhakre 

grievance@apollo247.org 

080-45050412 

The Company has appointed a resident nodal person (“Grievance-cum-Nodal Officer”) who shall be responsible for ensuring compliance with the provisions of the Consumer Protection Act, 2019 and the  rules made thereunder. You can contact the Grievance-cum-Nodal Officer through the below  mentioned details in case of any escalation of grievances: 

Name: Mr. Jehan Jit Singh 

Email: grievance@apollo247.com 

Contact: 040-41894747 

Once a User file a complaint via email or telephone communication on the channel specified above,  the User will receive an acknowledgement of the grievance from the Grievance Officer, within 48  (forty-eight) hours. Each User who has filed a complaint with the Grievance Officer shall receive a  ticket number for tracking the status of their complaint. The Grievance Officer will undertake best  endeavors to redress the grievance of the User expeditiously but in any case, grievances will be  addressed within 1 (one) month from the date of receipt of the grievance.