Disclaimer


We welcome and value your queries


The Website is maintained by ICICI Prudential and Your use of the Website is subject to the Terms and Conditions and all applicable Indian laws. This Website is offered to You on the condition that You accept the Terms and Conditions contained herein without modification or reservation or qualification of or in respect of any of the terms, conditions and notices contained herein prior to using, accessing and browsing this Website, and also acknowledge that any other agreement between You and ICICI Prudential to the extent contrary to the Terms and Conditions are superseded and of no force or effect.


This Website may contain links to other websites, web pages and services. Your use of each such website, web page and services on any other website or web service is subject to the terms and conditions, if any, of the respective website or web service.


You hereby agree and confirm that You shall click on the links to and familiarize Yourself with the Terms and Conditions and other terms and guidelines found throughout this Website and abide by them.


You should assume that everything You see or read or hear or experience on the Website (including but not limited to directories, guides, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the like, (collectively "the Content") is copyrighted / protected by intellectual property rights laws unless otherwise mentioned and may not be used except as provided in these Terms and Conditions.


The product information given in this web page is indicative of the terms, conditions, warranties and exceptions contained in the insurance policy. For further details, please refer to the sales literature and policy document. In the event of conflict, if any, between the terms and conditions contained in this web page and those contained in the policy document, the terms and conditions contained in the policy document shall prevail. Please note separate contracts will be issued for each policy opted for and premiums will have to be paid separately. Insurance is the subject matter of the solicitation. © 2006, ICICI Prudential Life Insurance Company Limited.


ICICI Prudential neither warrants nor represents that Your use of the Content will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by or affiliated with ICICI Prudential.


ICICI Prudential Life Insurance Company Limited is an indirect subsidiaries of Prudential plc, a company incorporated in the United Kingdom. Neither ICICI Prudential Life Insurance Company Limited nor Prudential plc is affiliated with Prudential Financial Inc, a company whose principal place of business is in the United States of America.


Disclaimer for the content provided by WebHealthCentre.com for the Health Section


WebHealthCentre.com provides complimentary internet-based communication and information services to the consumer. WebHealthCentre.com maintains this website to enhance access to information about health-related issues, and about


WebHealthCentre.com. This service is continually under development. While we try to keep the information as current and accurate as possible, we make no warranty of any kind, implied or express, as to its accuracy, completeness or appropriateness for any purpose. We will make an effort to correct errors brought to our attention


By using this site, you signify your agreement to these terms and conditions of use. You must agree to these terms and conditions in order to use the WebHealthCentre.com website.


WebHealthCentre.com may revise and update these terms and conditions anytime. Review the terms and conditions periodically. These are posted at the WebHealthCentre.com website because your continued usage of the WebHealthCentre.com website (WebHealthCentre.com Site, or the Site,) will mean that you accept the revisions.


Section 1. General Disclaimer. No Medical Advice


The content on the WebHealthCentre.com site is presented in a summary form, is general in nature, and is provided for informational purposes only. The content is not intended in any way to be a substitute for professional medical advice. Always seek the advice of your physician or any other qualified health practitioner for any questions that you may have regarding a medical condition. Neither the content nor any other service offered by or through WebHealthCentre.com or the WebHealthCentre.com Site is intended to be a relief for medical diagnosis or treatment. Never disregard medical advice or delay in seeking it because of something you has read on the WebHealthCentre.com Site. WebHealthCentre.com does not recommend or endorse any specific test, products, or procedures that may be mentioned on the Site. Any opinions expressed on the Site are the opinions of the authors. WebHealthCentre.com does not assure any liability for the contents of any material provided on the Site. Reliance on any information provided by WebHealthCentre.com, its health experts, or other visitors to the Site is solely at your own risk. WebHealthCentre.com assumes no liability or responsibility for damage or injury to persons or property arising from any use of any product, information, idea, or instruction contained in the materials provided to you. WebHealthCentre.com reserves the right to change or discontinue, at any time, any aspect or feature of this Site. Understand further that the Internet contains unedited materials, some of which are sexually explicit and may be offensive to you. You access this material at your own risk. WebHealthCentre.com, its licensors and its suppliers have no control over, and accept no responsibility whatsoever for such materials.


Section 2. WebHealthCentre.com's Position on your privacy


WebHealthCentre.com recognises the premium you place on privacy protection on the Internet. Our employees share the same concerns. Working together, we strive to protect your privacy, including the non-identifying information you share in the personal profile that you must complete in order to become a participating member ("Member") within the Interactive Areas of this Site.


WebHealthCentre.com does not collect personally identifiable information about Members or other WebHealthCentre.com users (Users) except when such individuals specifically provide such information on a voluntary basis. A Member's or User's access to and use of the WebHealthCentre.com Site or services constitutes information voluntarily given by the Member or User.


Use of Registration Information: Personally identifiable information of individual Members and Users will not be sold or otherwise transferred to unaffiliated third parties without the Member's or User's prior consent. WebHealthCentre.com stores the Internet Protocol (IP) address of your computer when you visit out site.


This information is only used to create broad demographic summaries of where our Members and Users come from. However, WebHealthCentre.com may use registration information and other voluntarily submitted information in the following ways:


    * To provide our editors with information that is useful in developing new features and services for WebHealthCentre.com Members and Users.


    * To provide advertisers with aggregate, never individual, information about our Member base and User usage patterns; and


    * To allow us to potentially vary advertising based on Member and User preference. WebHealthCentre.com reserves the right to perform statistical analyses and profiling of Member and User behaviour and characteristics in order to measure interest in and use of the various areas of the site and to inform advertisers of such information.


WebHealthCentre.com may sometimes permit third parties to offer subscription and/or registration-based services through WebHealthCentre.com. In this event, WebHealthCentre.com is not responsible for any actions or policies of such third parties and Members and Users should check the applicable privacy policy of such party before providing personally identifiable information.


Voluntary Disclosure of Personally Identifiable Information on Bulletin Boards, Chat Rooms, and other Interactive Area (collectively referred to as "Interactive Areas"). Subscribers and Users should be aware that when they voluntarily disclose personally identifiable information (for example, user name, e-mail address) on the bulletin boards or chat areas of WebHealthCentre.com, that information, along with any substantive information disclosed in the Subscriber's or User's communication, can be collected and correlated and used by third parties and may result in unsolicited messages from third parties. Such activities are beyond the control of WebHealthCentre.com and we take no responsibility for the results of the same.


Cookie Technology: WebHealthCentre.com may employ cookie technology to allow Subscribers and Users to move more quickly through our site. Cookies are small text files a website can use to recognise repeat users and facilitate the user's on going access to and use of the site. Generally, cookies work by assigning a unique number to the user that has no meaning outside the assigning site. They do not come onto a user's system nor do they pose a threat to a user's files. Subscribers and Users should be aware that WebHealthCentre.com couldn't control the use of cookies by advertisers or third parties hosting data for WebHealthCentre.com. However, if a Subscriber or User does not want information collected through the use of cookies, there is a simple procedure in most browsers that allows the user to deny or accept the cookie feature. Please note that cookies may be necessary to provide the Subscriber or User with certain features (for example, customised delivery of information) available on WebHealthCentre.com. Encryption Technology: WebHealthCentre.com Secure Socket Layer (SSL) encryption technology to ensure the integrity and privacy of the information you passes to us via the Internet. However, to take advantage of this, you must use utilise a browser - specify type of encryption support required.


Microsoft Passport Privacy Statement


Microsoft and the Passport sign-in and sign-out logos are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries.


Section 3. Use of Content; Copyright


All programs, services, processes, designs, software, technologies, trademark, trade names, inventions and materials comprising WebHealthCentre.com, and all services offered by Experts or others on WebHealthCentre.com are wholly owned by WebHealthCentre.com. The copyright to WebHealthCentre.com as well as the intellectual property contained thereon vests wholly and completely in WebHealthCentre.com. Upon acceptance of these Terms and Conditions, WebHealthCentre.com authorises you to view or download a single copy of the material on this website solely for your personal, non-commercial use.


The contents of the WebHealthCentre.com Site, such as text, graphics, images and other material including software licensed by WebHealthCentre.com to permit Users to access the WebHealthCentre.com Site (Content), are protected by copyright under both Indian and foreign laws, and title to the Content shall not pass to you or any other User, Unauthorised use of the Content may violate copyright, trademark, and other laws. None of the Content may be reverse-engineered, disassembled, decompiled, reproduced, transcribed, stored in a retrieval system, translated into any language or computer language, re-transmitted in any form or by any means (electronic, mechanical, photoreproduction, recordation or otherwise), resold or redistributed without the prior written consent of WebHealthCentre.com.


For information obtained from WebHealthCentre.com's licensors, you are solely responsible for compliance with any copyright, trademark and other proprietary rights and restrictions and are referred to the publication data appearing in bibliographic citations, as well as to the copyright notices appearing in the original publications. You may not sell or modify the Content or reproduce, display, publicly perform, distribute or otherwise use the Content in any way for any public or commercial purpose. The use of the Content on any other website or in a networked computer environment for any purpose is prohibited.


Content is subject to change without notice at the editorial discretion of WebHealthCentre.com. If you violate any of these Terms and Conditions, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any portion of the Content.


Section 4. Company's Liability; Disclaimer of Consequential Damages


The Content comes from sources believed to be accurate, but may contain inaccuracies or typographical errors. WebHealthCentre.com makes no representations about the results to be obtained from using the WebHealthCentre.com Site or the Content. The use of the WebHealthCentre.com Site and the Content is at your own risk.


You acknowledge that in connection with the WebHealthCentre.com Site, information will be transmitted over local Exchange Interexchange and Internet Backbone Carrier Lines and through routers switches and other devices owned, maintained and serviced by third party local exchange and long distant carriers, utilities, internet service providers and others, all of which are beyond the control and jurisdiction of WebHealthCentre.com and its suppliers. Accordingly, WebHealthCentre.com assumes no liability for or relating to the delay, failure, interruption or corruption of any data or other information transmitted in connection with use of the WebHealthCentre.com Site.


The WebHealthCentre.com Site and the content are provided on an "As Is " basis without any warranties of a kind. WebHealthCentre.com, its licensors, and its suppliers, to the fullest extent permitted by law, Disclaim all warranties, either express or implied, statutory or otherwise, including but not limited to the implied warranties of merchantability, non-infringement of their parties' rights, and fitness for particular purpose. WebHealthCentre.com, its licensors, and its suppliers make no representations or warranties about the accuracy, reliability, completeness, correctness or timeliness of the content, software, text, graphics, links or communications provided on or through the use of the WebHealthCentre.com Site or WebHealthCentre.com. WebHealthCentre.com, ITS LICENSORS, AND ITS SUPPLIERS DO NOT MAKE ANY WARRANTY THAT THE content contained on the WebHealthCentre.com Site satisfied government regulation requiring disclosure of information on prescription drug products.


Section 5. User submissions


Except as described herein, any communication which you post on the WebHealthCentre.com Site, is considered to be non-confidential. You agree that you will not upload or transmit any communications that infringe any patent, trademark, trade secret, copyright or other proprietary rights of any party. By submitting communications to any part of this Site, you automatically grant - or warrant that the owner of such Content has expressly granted - WebHealthCentre.com a royalty-free, perpetual, irrevocable, world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sublicenses. You represent and warrant that you are at least 18 years of age and that you possess the legal right and ability to enter into this Agreement and to use WebHealthCentre.com in accordance with this Agreement. You agree to be financially responsible for your use of WebHealthCentre.com (as well as for use of your account by others, including minors living with you) and to comply with your responsibilities and obligations as stated in this Agreement.


It is possible the number you use to connect to WebHealthCentre.com may be a long distance telephone number and may result in long distance charges billed to you by a third party. You agree to pay any charges you incur by using a long distance telephone number to connect to WebHealthCentre.com, including those that may be billed to you by a third party.


You must pay all taxes due as a result of your use of WebHealthCentre.com, including taxes on your purchase of goods and services from Merchants including VAT, sales and other applicable taxes.


You must promptly notify WebHealthCentre.com of changes to: (a) your account or membership number; (b) your address. You must also promptly notify WebHealthCentre.com if you become aware of a potential breach of security, such as the unauthorised disclosure or use of your Member identification, user name or password. You acknowledge that no joint venture, partnership, employment, or agency relationship exists between you and WebHealthCentre.com, as a result of your use of WebHealthCentre.com or your WebHealthCentre.com membership. You agree not to hold yourself out as a representative, agent or employee of WebHealthCentre.com, and that WebHealthCentre.com will not be liable by reason of any representation, act or omission to act by you.


Section 6. Use of Interactive Areas


WebHealthCentre.com may provide Interactive Areas on the WebHealthCentre.com Site. If you use an Interactive Area, you are solely responsible for your own communications and the consequences of posting those communications. WebHealthCentre.com does not assume any responsibility for the consequences of any Interactive Area communications on arising from use of the WebHealthCentre.com Site cases where you feel threatened or believe someone else is in danger, you should contact your local law enforcement agency immediately.


In consideration of being allowed to use the Interactive Areas, you agree that the following actions shall constitute a material breach of these Terms and Conditions


  • 1.Use of an Interactive Area for any purpose in violation of local, state, national, or international laws.
  • 2.Post material that infringes on the intellectual property rights of others or on the privacy or publicity rights of others.
  • 3.Post material that is unlawful, obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another Member or any other person or entity as determined by WebHealthCentre.com at its sole discretion pursuant to this Section 12.
  • 4.Post advertisements or solicitations of business.
  • 5.After receiving a warning, continue to disrupt the normal flow of dialogue, or post comments that are not related to the topic being discussed (unless it is clear the discussion is free form).
  • 6.Post chain letters or pyramid schemes.
  • 7.Impersonate another person.
  • 8.Allow any other person or entity to use your identification to post or view comments.
  • 9.Post the same note more than once (The online word for posting many times on one topic is "spamming". Spamming is strictly prohibited); or
  • 10.Engage in any other conduct that restricts or inhibits any other person from using or enjoying the Interactive Areas, or which, in the judgement of WebHealthCentre.com, exposes WebHealthCentre.com or any of its customers or suppliers to any liability or detriment of any type.

WebHealthCentre.com reserves the right to record the dialogue in public chat rooms. WebHealthCentre.com does not screen communications in advance and is not responsible for screening or monitoring material posted by Members or any other person or entity. If notified by a Member of communications(s) which are alleged not to conform to the terms of this Section, WebHealthCentre.com may investigate the allegation and determine in its sole discretion to remove or request the removal of the communication(s). WebHealthCentre.com reserves the right to remove communications which are abusive, illegal, disruptive, or other otherwise fail to conform with these Terms and Conditions. In addition to the removal rights described above, WebHealthCentre.com reserves the right to terminate a Member's access to any or all Interactive Area upon Member's breach of these Terms and Conditions. WebHealthCentre.com reserves the right (but is not obligated) to edit or delete any communication(s) posted on the WebHealthCentre.com Site, regardless of whether such communication(s) violate these standards for content.


Furthermore, WebHealthCentre.com reserves the right (but is not obligated to monitor, edit, or disclose any type of posting on the Interactive Areas for adherence to the Terms and Conditions, if require the course of normal operation and maintenance of WebHealthCentre.com required to do so by law or in the good faith belief that such is necessary to: (i) comply with the law or comply with legal process served; (ii) protect and defend the rights of WebHealthCentre.com others; or (iii) act in an emergency to protect the personal safety of our guests or the public. WebHealthCentre.com has no liability or responsibility to subscribers or any other person or entity for performance or non-performance of the aforementioned.


You are further responsible for your communications via, and your use of WebHealthCentre.com. You may not, under any circumstances, do any of the following: (a) use simultaneous, unattended or continuous connections to WebHealthCentre.com with one account; (b) publicise, post, distribute or disseminate defamatory, infringing, obscene or other unlawful material or information via WebHealthCentre.com; (c) use WebHealthCentre.com to threaten, harass, stalk, abuse or otherwise violate the legal rights (including rights of privacy and publicity) of others; (d) intercept or attempt to intercept e-mail or other private communications not intended for you; (e) send e-mail to members or other internet users for any purpose other than personal communication, including to unsolicitedly advertise or offer to sell goods or services to other Members, use as a mass distribution medium to communicate a generally unsolicited message, or use your e-mail account in the text of these messages as an address of where members or other internet users need to respond (except as otherwise expressly permitted by WebHealthCentre.com); (f) send unsolicited e-mail messages through third-party mail servers in order to relay your e-mail or hide the origination of this e-mail to others; (g) upload files that contain software or other material protected by intellectual property laws, rights of privacy or publicity, or any other applicable law unless you own or control the rights thereto or have received all necessary consents; (h) upload files that contain a virus or corrupted data; (i) delete any author attributions, legal notices or proprietary designations or labels in a file that you upload to a BBS; (j) falsify the source or origin of software or other material contained in a file that you upload to a BBS; (k) use WebHealthCentre.com in a manner that adversely affects the availability of its resources to other Members; (l) use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity that is not a WebHealthCentre.com member, the Member directory or any portion thereof other than for personal, non-commercial purposes (except as otherwise expressly permitted by WebHealthCentre.com); (m) download files that contain software or other material protected by intellectual property laws, rights of privacy or publicity, or any other applicable law unless you own or control the rights thereto or have received all necessary consents; (n) falsely purport to be a WebHealthCentre.com employee or agent; (o) cause repeated disruptive incidents; (p) act, or fail to act, in your use of WebHealthCentre.com, in a manner that is contrary to applicable law or regulation. In addition, each time you upload a file on WebHealthCentre.com you represent and warrant that your own or otherwise control the rights or have the necessary consents to do so, and you grant every other Member the right to download and use such file for personal use. Your failure to observe any of the foregoing limitations or obligations may result in civil or criminal liability, as well as termination of your membership.


Section 7 - Links to Other Sites


The WebHealthCentre.com Site contains links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by WebHealthCentre.com of the content on such third-party websites.


WebHealthCentre.com is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third-party websites. If you decide to access linked third-party websites, you do so at your own risk. Your use of third-party websites is subject to the Terms and Conditions of use of such sites.


Section 8 - Advertisements


The WebHealthCentre.com Site contains advertisements by third parties, and these advertisements may contain links to other websites. Unless otherwise specifically stated WebHealthCentre.com does not endorse any product or make any representation regarding the content or accuracy of any materials contained in, or linked to, any advertisement on the WebHealthCentre.com Site


Section 9 - Indemnity


You agree to defend, indemnify and hold WebHealthCentre.com, its officers, directors, employees, agents, licensors and suppliers, harmless from and against any claim, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your use of the Content (including Software), or the Interactive Areas in a manner that violates or is alleged to violate these Terms and Conditions, WebHealthCentre.com shall provide notice to you promptly of any such claim, suit, or proceeding and shall reasonably cooperate with you, at your expense, in your defence of any such claim, suit or proceeding


Section 10 - Jurisdiction


You expressly agree that exclusive jurisdiction for any dispute with WebHealthCentre.com, or in any way relating to your membership or WebHealthCentre.com, resides in the courts of the State of Tamil Nadu and you further agree and expressly consent to the exercise of person jurisdiction in the courts of the State of Tamil Nadu in connection any such dispute including any claim involving WebHealthCentre.com or it affiliates, subsidiaries, employees, contractors, officers, direct telecommunication providers and content providers.


You also expressly agree that notice given to WebHealthCentre.com will be by conventional mail. Notices to WebHealthCentre.com by conventional mail must be sent to WebHealthCentre.com, 185 Lloyds Road, Chennai, India 600086. In any matter requiring WebHealthCentre.com's prior consent, such consent will be considered given only if sent by conventional mail and signed by an authorised representative of WebHealthCentre.com


Section 11 - General


You acknowledge that no joint venture, partnership, employment, or agency relationship exists between you and WebHealthCentre.com, as a result of your use of WebHealthCentre.com or your WebHealthCentre.com membership. You agree not to hold yourself out as a representative, agent or employee of WebHealthCentre.com, and that WebHealthCentre.com will not be liable by reason of any representation, act or omission to act by you


WebHealthCentre.com's performance under this Agreement is subject at all times to existing laws and legal process and nothing contained in this Agreement is in derogation of WebHealthCentre.com's right to comply with law enforcement requests or requirements relating to a Member's use of WebHealthCentre.com or information provided to or gathered by WebHealthCentre.com with respect to such use.


This Agreement constitutes the entire agreement between WebHealthCentre.com and you with respect to your use of WebHealthCentre.com and your WebHealthCentre.com membership, and it supersedes all prior or contemporaneous communications and proposals, whether oral or written, between WebHealthCentre.com and you with respect thereto.


It is at the express wish of the parties that this agreement and all related documents have been drawn up in English.


Disclaimer for the content present on the Medtracker section of the website


The following disclaimer pertains to the entire Medtracker section (hereafter known as "Medtracker"), its contents, and all email or other correspondence exchanged between Registered Users choosing to interact with Medtracker in any way:


All materials (articles, feedback, queries, answers etc. received by Medtracker ) and any correspondence exchanged in any form (email, letter, etc.) between Medtracker and the Doctor Management team (Hereinafter referred to as "editors") with those who submit articles, questions, queries, comments, etc. to Medtracker are strictly for Registered Users of Medtracker only. Views expressed in any article, email correspondence, etc. are not necessarily those of Medtracker, its owners, or editors.


Please note that material either on or through Medtracker (articles, answers to questions / queries by Registered Users / Editors, emails, etc.) does not claim nor is qualified to offer in any professional capacity advice concerning medical conditions, services, treatment, etc., mental health services, counselling and treatment, legal advice or any other professional services. Any and all information exchanged between the Registered Users / Editors, via any means (electronic, voice, etc.) with Registered Users and others who review the different sections on Medtracker should not replace necessary medical/mental/legal/etc. consultations and advice from a qualified professional.


Requests made and referrals sent through Medtracker are provided by Medtracker strictly for information dissemination and education purpose only. The Editors reserve the right to accept / reject / modify any article / photograph / images submitted by the Registered User of Medtracker without explicitly assigning any reason for the same. Submission of articles by the Registered User affirms that the Registered User understands any and all inherent risks involved due to copyright infringement / violation and therefore agrees to assume all risk and liability regarding submission of the said articles / photographs / images.


Views expressed in the articles / links are not necessarily those of Medtracker, its owners or its editors.


By accessing Medtracker or requesting one of the services offered by the section, the Registered User agrees to hold the section, its editors, licensees, owners, office bearers and employees harmless from any loss, claim or damage arising from the use of any and all information and ideas contained on Medtracker, any and all claims and liability related in any way to Medtracker on the section, and in any correspondence or personal contact.


Any dispute that may arise due to the use of Medtracker would be subject to the exclusive jurisdiction of a competent court in Mumbai only.


Medtracker shall have the right to use, edit, alter and distribute in any physical or electronic format, questions, comments and all correspondence (unless otherwise agreed upon) exchanged both online and offline. No compensation shall be earned, due, or payable for such use and Medtracker retains the right to use and distribute such materials without prior notification to creator or distributor of materials.