DoctWorld Services  (“us”, “we”, or “DoctWorld”, which also includes its affiliates) is the author and publisher of the internet resource www.doctworld.com (“Website”) on the world wide web as well as the software and applications provided by DoctWorld, including but not limited to the mobile application ‘DoctWorld’, and the software and applications of the brand names ‘DoctWorld Ray’, ‘DoctWorld Tab’, ‘DoctWorld Reach’, ‘Hello’, and ‘Health Account’ (together with the Website, referred to as the “Services”).

This privacy policy ("Privacy Policy") explains how we collect, use, share, disclose and protect Personal information about the Users of the Services, including the Practitioners (as defined in the Terms of Use, which may be accessed via the following weblink https://doctworld.com/privacy (the “Terms of Use”)), the End-Users (as defined in the Terms of Use), and the visitors of Website (jointly and severally referred to as “you” or “Users” in this Privacy Policy). We created this Privacy Policy to demonstrate our commitment to the protection of your privacy and your personal information. Your use of and access to the Services is subject to this Privacy Policy and our Terms of Use. Any capitalized term used but not defined in this Privacy Policy shall have the meaning attributed to it in our Terms of Use.

BY USING THE SERVICES OR BY OTHERWISE GIVING US YOUR INFORMATION, YOU WILL BE DEEMED TO HAVE READ, UNDERSTOOD AND AGREED TO THE PRACTICES AND POLICIES OUTLINED IN THIS PRIVACY POLICY AND AGREE TO BE BOUND BY THE PRIVACY POLICY. YOU HEREBY CONSENT TO OUR COLLECTION, USE AND SHARING, DISCLOSURE OF YOUR INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY. WE RESERVE THE RIGHT TO CHANGE, MODIFY, ADD OR DELETE PORTIONS OF THE TERMS OF THIS PRIVACY POLICY, AT OUR SOLE DISCRETION, AT ANY TIME. IF YOU DO NOT AGREE WITH THIS PRIVACY POLICY AT ANY TIME, DO NOT USE ANY OF THE SERVICES OR GIVE US ANY OF YOUR INFORMATION. IF YOU USE THE SERVICES ON BEHALF OF SOMEONE ELSE (SUCH AS YOUR CHILD) OR AN ENTITY (SUCH AS YOUR EMPLOYER), YOU REPRESENT THAT YOU ARE AUTHORISED BY SUCH INDIVIDUAL OR ENTITY TO (I) ACCEPT THIS PRIVACY POLICY ON SUCH INDIVIDUAL’S OR ENTITY’S BEHALF, AND (II) CONSENT ON BEHALF OF SUCH INDIVIDUAL OR ENTITY TO OUR COLLECTION, USE AND DISCLOSURE OF SUCH INDIVIDUAL’S OR ENTITY’S INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY.

• 1.WHY THIS PRIVACY POLICY?

This Privacy Policy is published in compliance with, inter alia:

1. Section 43A of the Information Technology Act, 2000;
2. Regulation 4 of the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Information) Rules, 2011 (the “SPI Rules”);

iii.        Regulation 3(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011.

This Privacy Policy states the following:

1. The type of information collected from the Users, including Personal Information (as defined in paragraph 2 below) and Sensitive Personal Data or Information (as defined in paragraph 2 below) relating to an individual;
2. The purpose, means and modes of collection, usage, processing, retention and destruction of such information; and
3. How and to whom DoctWorld will disclose such information.

• 2.COLLECTION OF PERSONAL INFORMATION

Generally some of the Services require us to know who you are so that we can best meet your needs. When you access the Services, or through any interaction with us via emails, telephone calls or other correspondence, we may ask you to voluntarily provide us with certain information that personally identifies you or could be used to personally identify you. You hereby consent to the collection of such information by DoctWorld. Without prejudice to the generality of the above, information collected by us from you may include (but is not limited to) the following:

1. contact data (such as your email address and phone number);
2. demographic data (such as your gender, your date of birth and your pin code);

iii.        data regarding your usage of the services and history of the appointments made by or with you through the use of Services;

1. insurance data (such as your insurance carrier and insurance plan);
2. other information that you voluntarily choose to provide to us (such as information shared by you with us through emails or letters.

The information collected from you by DoctWorld may constitute ‘personal information’ or ‘sensitive personal data or information’ under the SPI Rules.

“Personal Information” is defined under the SPI Rules to mean any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available to a body corporate, is capable of identifying such person.

The SPI Rules further define “Sensitive Personal Data or Information” of a person to mean personal information about that person relating to:

1. passwords;

vii.        financial information such as bank accounts, credit and debit card details or other payment instrument details;

viii.        physical, physiological and mental health condition;

1. sexual orientation;
2. medical records and history;
3. biometric information;

xii.        information received by body corporate under lawful contract or otherwise;

xiii.        visitor details as provided at the time of registration or thereafter; and

xiv.        call data records.

DoctWorld will be free to use, collect and disclose information that is freely available in the public domain without your consent.

• 3. PRIVACY STATEMENTS

o    3.1 ALL USERS NOTE:

This section applies to all users.

• 3.1.1 Accordingly, a condition of each User’s use of and access to the Services is their acceptance of the Terms of Use, which also involves acceptance of the terms of this Privacy Policy. Any User that does not agree with any provisions of the same has the option to discontinue the Services provided by DoctWorld immediately.
• 3.1.2 An indicative list of information that DoctWorld may require you to provide to enable your use of the Services is provided in the Schedule annexed to this Privacy Policy.
• 3.1.3 All the information provided to DoctWorld by a User, including Personal Information or any Sensitive Personal Data or Information, is voluntary. You understand that DoctWorld may use certain information of yours, which has been designated as Personal Information or ‘Sensitive Personal Data or Information’ under the SPI Rules, (a) for the purpose of providing you the Services, (b) for commercial purposes and in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes, (c) for sale or transfer of such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates (d) for communication purpose so as to provide You a better way of booking appointments and for obtaining feedback in relation to the Practitioners and their practice, (e) debugging customer support related issues.. (f) for the purpose of contacting you to complete any transaction if you do not complete a transaction after having provided us with your contact information in the course of completing such steps that are designed for completion of the transaction. DoctWorld also reserves the right to use information provided by or about the End-User for the following purposes:

1. Publishing such information on the Website.
2. Contacting End-Users for offering new products or services.

iii.        Contacting End-Users for taking product and Service feedback.

1. Analyzing software usage patterns for improving product design and utility.
2. Analyzing anonymized practice information for commercial use.
3. Processing payment instructions including those through independent third party service providers such as payment gateways, banking and financial institutions, pre-paid instrument and wallet providers for processing of payment transaction or deferral of payment facilities.

If you have voluntarily provided your Personal Information to DoctWorld for any of the purposes stated above, you hereby consent to such collection and use of such information by DoctWorld. However, DoctWorld shall not contact You on Your telephone number(s) for any purpose including those mentioned in this sub-section 4.1(iii), if such telephone number is registered with the Do Not Call registry (“DNC Registry”) under the PDPA without your express, clear and un-ambiguous written consent.

• 3.1.4 Collection, use and disclosure of information which has been designated as Personal Information or Sensitive Personal Data or Information’ under the SPI Rules requires your express consent. By affirming your assent to this Privacy Policy, you provide your consent to such use, collection and disclosure as required under applicable law.
• 3.1.5 DoctWorld does not control or endorse the content, messages or information found in any Services and, therefore, DoctWorld specifically disclaims any liability with regard to the Services and any actions resulting from your participation in any Services, and you agree that you waive any claims against  DoctWorld relating to same, and to the extent such waiver may be ineffective, you agree to release any claims against DoctWorld relating to the same.
• 3.1.6 You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of account registration. If your personal information changes, you may correct, delete inaccuracies, or amend information by making the change on our member information page or by contacting us through privacy@doctworld.com. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable. If you provide any information that is untrue, inaccurate, out of date or incomplete (or becomes untrue, inaccurate, out of date or incomplete), or DoctWorld has reasonable grounds to suspect that the information provided by you is untrue, inaccurate, out of date or incomplete, DoctWorld may, at its sole discretion, discontinue the provision of the Services to you. There may be circumstances where DoctWorld will not correct, delete or update your Personal Data, including (a) where the Personal Data is opinion data that is kept solely for evaluative purpose; and (b) the Personal Data is in documents related to a prosecution if all proceedings relating to the prosecution have not been completed.
• 3.1.7 If you wish to cancel your account or request that we no longer use your information to provide you Services, contact us through  support@doctworld.com . We will retain your information for as long as your account with the Services is active and as needed to provide you the Services. We shall not retain such information for longer than is required for the purposes for which the information may lawfully be used or is otherwise required under any other law for the time being in force. After a period of time, your data may be anonymized and aggregated, and then may be held by us as long as necessary for us to provide our Services effectively, but our use of the anonymized data will be solely for analytic purposes. Please note that your withdrawal of consent, or cancellation of account may result in DoctWorld being unable to provide you with its Services or to terminate any existing relationship DoctWorld may have with you.
• 3.1.8 If you wish to opt-out of receiving non-essential communications such as promotional and marketing-related information regarding the Services, please send us an email at support@doctworld.com .
• 3.1.9 DoctWorld may require the User to pay with a credit card, wire transfer, debit card or cheque for Services for which subscription amount(s) is/are payable. DoctWorld will collect such User’s credit card number and/or other financial institution information such as bank account numbers and will use that information for the billing and payment processes, including but not limited to the use and disclosure of such credit card number and information to third parties as necessary to complete such billing operation. Verification of credit information, however, is accomplished solely by the User through the authentication process. User’s credit-card/debit card details are transacted upon secure sites of approved payment gateways which are digitally under encryption, thereby providing the highest possible degree of care as per current technology. However, DoctWorld provides you an option not to save your payment details. User is advised, however, that internet technology is not full proof safe and User should exercise discretion on using the same.
• 3.1.10 Due to the communications standards on the Internet, when a User or the End-User or anyone who visits the Website, DoctWorld automatically receives the URL of the site from which anyone visits. DoctWorld also receives the Internet Protocol (IP) address of each User’s computer (or the proxy server a User used to access the World Wide Web), User’s computer operating system and type of web browser the User is using, email patterns, as well as the name of User’s ISP. This information is used to analyze overall trends to help DoctWorld improve its Service. The linkage between User’s IP address and User’s personally identifiable information is not shared with or disclosed to third parties. Notwithstanding the above, DoctWorld may share and/or disclose some of the aggregate findings (not the specific data) in anonymized form (i.e., non-personally identifiable) with advertisers, sponsors, investors, strategic partners, and others in order to help grow its business.
• 3.1.11 The Website uses temporary cookies to store certain (that is not sensitive personal data or information) that is used by DoctWorld and its service providers for the technical administration of the Website, research and development, and for User administration. In the course of serving advertisements or optimizing services to its Users, DoctWorld may allow authorized third parties to place or recognize a unique cookie on the User’s browser. The cookies however, do not store any Personal Information of the User. You may adjust your internet browser to disable cookies. If cookies are disabled you may still use the Website, but the Website may be limited in the use of some of the features.
• 3.1.12 A User may have limited access to the Website without creating an account on the Website. Unregistered Users can make appointments with the doctors by providing their name and phone number. In order to have access to all the features and benefits on our Website, a User must first create an account on our Website. To create an account, a User is required to provide the following information, which such User recognizes and expressly acknowledges is Personal Information allowing others, including DoctWorld, to identify the User: name, User ID, email address, country, ZIP/postal code, age, phone number, password chosen by the User and valid financial account information. Other information requested on the registration page, including the ability to receive promotional offers from DoctWorld, is optional. DoctWorld may, in future, include other optional requests for information from the User to help DoctWorld to customize the Website to deliver personalized information to the User.
• 3.1.13 This Privacy Policy applies to Services that are owned and operated by DoctWorld. DoctWorld does not exercise control over the sites displayed as search results or links from within its Services. These other sites may place their own cookies or other files on the Users’ computer, collect data or solicit personal information from the Users, for which DoctWorld is not responsible or liable. Accordingly, DoctWorld does not make any representations concerning the privacy practices or policies of such third parties or terms of use of such websites, nor does DoctWorld guarantee the accuracy, integrity, or quality of the information, data, text, software, sound, photographs, graphics, videos, messages or other materials available on such websites. The inclusion or exclusion does not imply any endorsement by DoctWorld of the website, the website's provider, or the information on the website. If you decide to visit a third party website linked to the Website, you do this entirely at your own risk. DoctWorld encourages the User to read the privacy policies of that website.
• 3.1.14 The Website may enable User to communicate with other Users or to post information to be accessed by others, whereupon other Users may collect such data. Such Users, including any moderators or administrators, are not authorized DoctWorld representatives or agents, and their opinions or statements do not necessarily reflect those of DoctWorld and they are not authorized to bind DoctWorld to any contract. DoctWorld hereby expressly disclaims any liability for any reliance or misuse of such information that is made available by Users or visitors in such a manner.
• 3.1.15 DoctWorld does not collect information about the visitors of the Website from other sources, such as public records or bodies, or private organisations, save and except for the purposes of registration of the Users (the collection, use, storage and disclosure of which each End User must agree to under the Terms of Use in order for DoctWorld to effectively render the Services).
• 3.1.16 DoctWorld maintains a strict "No-Spam" policy, which means that DoctWorld does not intend to sell, rent or otherwise give your e-mail address to a third party without your consent.
• 3.1.17 DoctWorld has implemented best international market practices and security policies, rules and technical measures to protect the personal data that it has under its control from unauthorised access, improper use or disclosure, unauthorised modification and unlawful destruction or accidental loss. However, for any data loss or theft due to unauthorized access to the User’s electronic devices through which the User avails the Services, DoctWorld shall not be held liable for any loss whatsoever incurred by the User.
• 3.1.18 DoctWorld implements reasonable security practices and procedures and has a comprehensive documented information security programme and information security policies that contain managerial, technical, operational and physical security control measures that are commensurate with respect to the information being collected and the nature of DoctWorld’s business.
• 3.1.19 DoctWorld takes your right to privacy very seriously and other than as specifically stated in this Privacy Policy, will only disclose your Personal Information in the event it is required to do so by law, rule, regulation, law enforcement agency, governmental official, legal authority or similar requirements or when DoctWorld in its sole discretion, deems it necessary in order to protect its rights or the rights of others, to prevent harm to persons or property, to fight fraud and credit risk, or to enforce or apply the Terms of Use.

o    3.2 PRACTITIONERS NOTE:

This section applies to all Practitioners.

• 3.2.1 As part of the registration as well as the application creation and submission process that is available to Practitioners on DoctWorld certain information, including Personal Information or Sensitive Personal Data or Information is collected from the Practitioners.
• 3.2.2 All the statements in this Privacy Policy apply to all Practitioners, and all Practitioners are therefore required to read and understand the privacy statements set out herein prior to submitting any Personal Information or Sensitive Personal Data or Information to DoctWorld failing which they are required to leave the Services, including the Website immediately.
• 3.2.3 Practitioners’ personally identifiable information, which they choose to provide to DoctWorld is used to help the Practitioners describe and identify themselves. This information is exclusively owned by DoctWorld You will be the owner of your information and you consent to DoctWorld collecting, using, processing and/or disclosing this information for the purposes hereinafter stated . DoctWorld may use such information for commercial purposes and in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes, and may sell or otherwise transfer such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates. DoctWorld also reserves the right to use information provided by or about the Practitioner for the following purposes:

1. Publishing such information on the Website.
2. Contacting Practitioners for offering new products or services subject to the telephone number registered with the DNC Registry.

iii.        Contacting Practitioners for taking product feedback.

1. Analyzing software usage patterns for improving product design and utility.
2. Analyzing anonymized practice information including financial, and inventory information for commercial use.

• 3.2.4 DoctWorld automatically enables the listing of Practitioners’ information on its Website for every ‘Doctor’ or ‘Clinic’ added to a Practice using its software. The Practitioner information listed on Website is displayed when End-Users search for doctors on Website, and the Practitioner information listed on Website is used by End-Users to request for doctor appointments. Any personally identifiable information of the Practitioners listed on the Website is not generated by DoctWorld and is provided to DoctWorld by Practitioners who wish to enlist themselves on the Website, or is collected by DoctWorld from the public domain. DoctWorld displays such information on its Website on an as-is basis making no representation or warranty on the accuracy or completeness of the information. As such, we strongly encourage Practitioners to check the accuracy and completeness of their information from time to time, and inform us immediately of any discrepancies, changes or updates to such information. DoctWorld will, however, take reasonable steps to ensure the accuracy and completeness of this information.
• 3.2.5 DoctWorld may also display information for Practitioners who have not signed up or registered for the Services, provided that the Practitioners have consented to DoctWorld collecting, processing and/or disclosing their information on the Website. Such Practitioners are verified by DoctWorld or its associates, and DoctWorld makes every effort to capture accurate information for such Practitioners. However, DoctWorld does not undertake any liability for any incorrect or incomplete information appearing on the Website for such Practitioners.

o    3.3 END-USERS NOTE:

This section applies to all End-Users.

• 3.3.1 As part of the registration/application creation and submission process that is available to End-Users on this Website, certain information, including Personal Information or Sensitive Personal Data or Information is collected from the End-Users.
• 3.3.2 All the statements in this Privacy Policy apply to all End-Users, and all End-Users are therefore required to read and understand the privacy statements set out herein prior to submitting any Personal Information or Sensitive Personal Data or Information to DoctWorld failing which they are required to leave the DoctWorld immediately.
• 3.3.3 If you have inadvertently submitted any such information to DoctWorld prior to reading the privacy statements set out herein, and you do not agree with the manner in which such information is collected, processed, stored, used or disclosed, then you may access, modify and delete such information by using options provided on the Website. In addition, you can, by sending an email privacy@doctworld.com, inquire whether DoctWorld is in possession of your personal data, and you may also require DoctWorld to delete and destroy all such information.
• 3.3.4 End-Users’ personally identifiable information, which they choose to provide on the Website is used to help the End-Users describe/identify themselves. Other information that does not personally identify the End-Users as an individual, is collected by DoctWorld from End-Users (such as, patterns of utilization described above) and is exclusively owned by DoctWorld. DoctWorld may also use such information in an aggregated or non-personally identifiable form for research, statistical analysis and business intelligence purposes, and may sell or otherwise transfer such research, statistical or intelligence data in an aggregated or non-personally identifiable form to third parties and affiliates. In particular, DoctWorld reserves with it the right to use anonymized End-User demographics information and anonymized End-User health information for the following purposes:

1. Analyzing software usage patterns for improving product design and utility.
2. Analyzing such information for research and development of new technologies.

iii.        Using analysis of such information in other commercial product offerings of DoctWorld.

1. Sharing analysis of such information with third parties for commercial use.

• 3.3.5 DoctWorld will communicate with the End-Users through email, phone and notices posted on the Website or through other means available through the service, including text and other forms of messaging. The End-Users can change their e-mail and contact preferences at any time by logging into their "Account" at  www.doctworld.com and changing the account settings.
• 3.3.6 At times, DoctWorld conducts a User survey to collect information about End-Users' preferences. These surveys are optional and if End-Users choose to respond, their responses will be kept anonymous. Similarly, DoctWorld may offer contests to qualifying End-Users in which we ask for contact and demographic information such as name, email address and mailing address. The demographic information that DoctWorld collects in the registration process and through surveys is used to help DoctWorld improve its Services to meet the needs and preferences of End-Users.
• 3.3.7 DoctWorld may keep records of electronic communications and telephone calls received andmade for making appointments or other purposes for the purpose of administration of Services, customer support, research and development and for better listing of Practitioners.
• 3.3.8 All DoctWorld employees and data processors, who have access to, and are associated with the processing of sensitive personal data or information, are obliged to respect the confidentiality of every End-Users’ Personal Information or Sensitive Personal Data and Information. DoctWorld has put in place procedures and technologies as per good industry practices and in accordance with the applicable laws, to maintain security of all personal data from the point of collection to the point of destruction. Any third-party data processor to which DoctWorld transfers Personal Data shall have to agree to comply with those procedures and policies, or put in place adequate measures on their own.
• 3.3.9 DoctWorld may also disclose or transfer End-Users’ personal and other information provided by a User, to a third party as part of reorganization or a sale of the assets of a DoctWorld corporation division or company. Any third party to which DoctWorld transfers or sells its assets to will have the right to continue to use the personal and other information that End-Users provide to us, in accordance with the Terms of Use
• 3.3.10 To the extent necessary to provide End-Users with the Services, DoctWorld may provide their Personal Information to third party contractors who work on behalf of or with DoctWorld to provide End-Users with such Services, to help DoctWorld communicate with End-Users or to maintain the Website or independent third party service providers to process payment instructions including providing a payment deferral facility to End-Users in relation to the Services. These third-party service providers have access to information needed to process payments, but may not use it for other purposes. Generally these contractors do not have any independent right to share this information, however certain contractors who provide services on the Website, including the providers of online communications services, may use and disclose the personal information collected in connection with the provision of these Services in accordance with their own privacy policies. In such circumstances, you consent to us disclosing your Personal Information to contractors, solely for the intended purposes only.

o    3.4 CASUAL VISITORS NOTE:

• 3.4.1 No sensitive personal data or information is automatically collected by DoctWorld from any casual visitors of this website, who are merely perusing the Website.
• 3.4.2 Nevertheless, certain provisions of this Privacy Policy are applicable to even such casual visitors, and such casual visitors are also required to read and understand the privacy statements set out herein, failing which they are required to leave this Website immediately.
• 3.4.3 If you, as a casual visitor, have inadvertently browsed any other page of this Website prior to reading the privacy statements set out herein, and you do not agree with the manner in which such information is obtained, collected, processed, stored, used, disclosed or retained, merely quitting this browser application should ordinarily clear all temporary cookies installed by DoctWorld. All visitors, however, are encouraged to use the “clear cookies” functionality of their browsers to ensure such clearing / deletion, as DoctWorld cannot guarantee, predict or provide for the behaviour of the equipment of all the visitors of the Website.
• 3.4.4 You are not a casual visitor if you have willingly submitted any personal data or information to DoctWorld through any means, including email, post or through the registration process on the Website. All such visitors will be deemed to be, and will be treated as, Users for the purposes of this Privacy Policy, and in which case, all the statements in this Privacy Policy apply to such persons.
• 4. CONFIDENTIALITY AND SECURITY

o    4.1 Your Personal Information is maintained by DoctWorld in electronic form on its equipment, and on the equipment of its employees. Such information may also be converted to physical form from time to time. DoctWorld takes all necessary precautions to protect your personal information both online and off-line, and implements reasonable security practices and measures including certain managerial, technical, operational and physical security control measures that are commensurate with respect to the information being collected and the nature of DoctWorld’s business.

o    4.2 No administrator at DoctWorld will have knowledge of your password. It is important for you to protect against unauthorized access to your password, your computer and your mobile phone. Be sure to log off from the Website when finished. DoctWorld does not undertake any liability for any unauthorised use of your account and password. If you suspect any unauthorized use of your account, you must immediately notify DoctWorld by sending an email.

o    4.3 REVIEWS AND FEEDBACK DISPLAY RIGHTS OF DOCTWORLD

• 4.3.1 All Critical Content is content created by the Users www.doctworld.com (“Website”) and the clients of DoctWorld customers and Practitioners, including the Users. As a platform, DoctWorld  does not take responsibility for Critical Content and its role with respect to Critical Content is restricted to that of an ‘intermediary’ under the Information Technology Act, 2000. The role of DoctWorld and other legal rights and obligations relating to the Critical Content are further detailed in Clauses 3.9 and 5 of these Terms. DoctWorld’s Feedback Collection and Fraud Detection Policy, is annexed as the Schedule hereto, and remains subject always to these Terms.
• 4.3.2 DoctWorld reserves the right to collect feedback and Critical Content for all the Practitioners, Clinics and Healthcare Providers listed on the Website.
• 4.3.3 DoctWorld shall have no obligation to pre-screen, review, flag, filter, modify, refuse or remove any or all Critical Content from any Service, except as required by applicable law.
• 4.3.4 You understand that by using the Services you may be exposed to Critical Content or other content that you may find offensive or objectionable. DoctWorld shall not be liable for any effect on Practitioner’s business due to Critical Content of a negative nature. In these respects, you may use the Service at your own risk. DoctWorld however, as an ‘intermediary, takes steps as required to comply with applicable law as regards the publication of Critical Content. The legal rights and obligations with respect to Critical Content and any other information sought to be published by Users are further detailed in Clauses 3.9 and 5 of these Terms.
• 4.3.5 DoctWorld will take down information under standards consistent with applicable law, and shall in no circumstances be liable or responsible for Critical Content, which has been created by the Users. The principles set out in relation to third party content in the terms of Service for the Website shall be applicable mutatis mutandis in relation to Critical Content posted on the Website.
• 4.3.6 If DoctWorld determines that you have provided inaccurate information or enabled fraudulent feedback, DoctWorld reserves the right to immediately suspend any of your accounts with DoctWorld and makes such declaration on the website alongside your name/your clinics name as determined by DoctWorld for the protection of its business and in the interests of Users.

o    4.4 RELEVANCE ALGORITHM

DoctWorld has designed the relevance algorithm in the best interest of the User and may adjust the relevance algorithm from time to time to improve the quality of the results given to the patients. It is a pure merit driven, proprietary algorithm which cannot be altered for specific Practitioners. DoctWorld shall not be liable for any effect on the Practitioner’s business interests due to the change in the Relevance Algorithm.

o    4.5INDEPENDENT SERVICES

Your use of each Service confers upon you only the rights and obligations relating to such Service, and not to any other service that may be provided by DoctWorld.

o    4.6 DOCTWORLD REACH RIGHTS

DoctWorld reserves the rights to display sponsored ads on the Website. These ads would be marked as “Sponsored ads”. Without prejudice to the status of other content, DoctWorld will not be liable for the accuracy of information or the claims made in the Sponsored ads. DoctWorld does not encourage the Users to visit the Sponsored ads page or to avail any services from them. DoctWorld will not be liable for the services of the providers of the Sponsored ads.

You represent and warrant that you will use these Services in accordance with applicable law. Any contravention of applicable law as a result of your use of these Services is your sole responsibility, and DoctWorld accepts no liability for the same.

o    4.7 DOCTWORLD MEDICINE INFORMATION

For detailed terms and conditions regarding medicine information click www.doctworld.com.

o    4.8 BOOK APPOINTMENT AND CALL FACILITY

• 4.8.1 As a valuable partner on our platform we want to ensure that the Practitioners experience on the DoctWorld booking platform is beneficial to both, Practitioners and their Users.
  For all terms and conditions of Book facility on DoctWorld profile check www.doctworld.com
• 4.8.2 Practitioner understands that, DoctWorld shall not be liable, under any event, for any comments or feedback given by any of the Users in relation to the Services provided by Practitioner. The option of publishing or modifying or moderating or masking (where required by law or norm etc.) the feedback provided by Users shall be solely at the discretion of DoctWorld.

o    4.9 PRACTITIONER UNDERTAKING

The Practitioner is and shall be duly registered, licensed and qualified to practice medicine/ provide health care, wellness services, as per applicable laws/regulations/guidelines set out by competent authorities and the Practitioner shall not be part of any arrangement which will prohibit him/her from practicing medicine within the territory of India. The Practitioner shall at all times ensure that all the applicable laws that govern the Practitioner shall be followed and utmost care shall be taken in terms of the consultation/ services being rendered.

o    4.10 USAGE IN PROMOTIONAL & MARKETING MATERIALS

In recognition of the various offerings and services provided by DoctWorld to Practitioner, Practitioner shall (subject to its reasonable right to review and approve): (a) allow DoctWorld to include a brief description of the services provided to Practitioner in DoctWorld’s marketing, promotional and advertising materials; (b) allow DoctWorld to make reference to Practitioner in case studies, and related marketing materials; (c) serve as a reference to DoctWorld’s existing and potential clients; (d) provide video logs, testimonials, e-mailers, banners, interviews to the news media and provide quotes for press releases; (e) make presentations at conferences; and/or (f) use the Practitioner’s name and/or logo, brand images, tag lines etc., within product literature, e-mailers, press releases, social media and other advertising, marketing and promotional materials.

• 5. RIGHTS AND OBLIGATIONS RELATING TO CONTENT

o    5.1 As mandated by Regulation 3(2) of the IG Rules, DoctWorld hereby informs Users that they are not permitted to host, display, upload, modify, publish, transmit, update or share any information that:

1. belongs to another person and to which the User does not have any right to;
2. is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;

iii.        harm minors in any way;

1. infringes any patent, trademark, copyright or other proprietary rights;
2. violates any law for the time being in force;
3. deceives or misleads the addressee about the origin of such messages or communicates any information which is grossly offensive or menacing in nature;

vii.        impersonate another person;

viii.        contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource;

1. threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation.

o    5.2 Users are also prohibited from:

 .        violating or attempting to violate the integrity or security of the Website or any DoctWorld Content;

1. transmitting any information (including job posts, messages and hyperlinks) on or through the Website that is disruptive or competitive to the provision of Services by DoctWorld;
2. intentionally submitting on the Website any incomplete, false or inaccurate information;

iii.        making any unsolicited communications to other Users;

1. using any engine, software, tool, agent or other device or mechanism (such as spiders, robots, avatars or intelligent agents) to navigate or search the Website;
2. attempting to decipher, decompile, disassemble or reverse engineer any part of the Website;
3. copying or duplicating in any manner any of the DoctWorld Content or other information available from the Website;

vii.        framing or hot linking or deep linking any DoctWorld Content.

viii.        circumventing or disabling any digital rights management, usage rules, or other security features of the Software.

o    5.3 DoctWorld, upon obtaining knowledge by itself or been brought to actual knowledge by an affected person in writing or through email signed with electronic signature about any such information as mentioned above, shall be entitled to disable such information that is in contravention of Clauses 5.1 and 5.2. DoctWorld shall also be entitled to preserve such information and associated records for at least 90 (ninety) days for production to governmental authorities for investigation purposes.

o    5.4 In case of non-compliance with any applicable laws, rules or regulations, or the Agreement (including the Privacy Policy) by a User, DoctWorld has the right to immediately terminate the access or usage rights of the User to the Website and Services and to remove non-compliant information from the Website.

o    5.5 DoctWorld may disclose or transfer User-generated information to its affiliates or governmental authorities in such manner as permitted or required by applicable law, and you hereby consent to such transfer. The SPI Rules only permit DoctWorld to transfer sensitive personal data or information including any information, to any other body corporate or a person in India, or located in any other country, that ensures the same level of data protection that is adhered to by DoctWorld as provided for under the SPI Rules, only if such transfer is necessary for the performance of the lawful contract between DoctWorld or any person on its behalf and the User or where the User has consented to data transfer.

o    DoctWorld respects the intellectual property rights of others and we do not hold any responsibility for any violations of any intellectual property rights

• 6.TERMINATION

o    6.1 DoctWorld reserves the right to suspend or terminate a User’s access to the Website and the Services with or without notice and to exercise any other remedy available under law, in cases where,

 .        Such User breaches any terms and conditions of the Agreement;

1. A third party reports violation of any of its right as a result of your use of the Services;
2. DoctWorld is unable to verify or authenticate any information provide to DoctWorld by a User;

iii.        DoctWorld has reasonable grounds for suspecting any illegal, fraudulent or abusive activity on part of such User; or

1. DoctWorld believes in its sole discretion that User’s actions may cause legal liability for such User, other Users or for DoctWorld or are contrary to the interests of the Website.

o    6.2 Once temporarily suspended, indefinitely suspended or terminated, the User may not continue to use the Website under the same account, a different account or re-register under a new account. On termination of an account due to the reasons mentioned herein, such User shall no longer have access to data, messages, files and other material kept on the Website by such User. The User shall ensure that he/she/it has continuous backup of any medical services the User has rendered in order to comply with the User’s record keeping process and practices.

• 7. LIMITATION OF LIABILITY

In no event, including but not limited to negligence, shall DoctWorld, or any of its directors, officers, employees, agents or content or service providers (collectively, the “Protected Entities”) be liable for any direct, indirect, special, incidental, consequential, exemplary or punitive damages arising from, or directly or indirectly related to, the use of, or the inability to use, the Website or the content, materials and functions related thereto, the Services, User’s provision of information via the Website, lost business or lost Users, even if such Protected Entity has been advised of the possibility of such damages. In no event shall the Protected Entities be liable for:

1. provision of or failure to provide all or any service by Practitioners to Users contacted or managed through the Website;
2. any content posted, transmitted, exchanged or received by or on behalf of any User or other person on or through the Website;

iii.        any unauthorized access to or alteration of your transmissions or data; or

1. any other matter relating to the Website or the Service.

In no event shall the total aggregate liability of the Protected Entities to a User for all damages, losses, and causes of action (whether in contract or tort, including, but not limited to, negligence or otherwise) arising from this Agreement or a User’s use of the Website or the Services exceed, in the aggregate Rs. 1000/- (Rupees One Thousand Only).

• 8. RETENTION AND REMOVAL

DoctWorld may retain such information collected from Users from its Website or Services for as long as necessary, depending on the type of information; purpose, means and modes of usage of such information; and according to the SPI Rules. Computer web server logs may be preserved as long as administratively necessary.

• 9. APPLICABLE LAW AND DISPUTE SETTLEMENT

o     9.1 You agree that this Agreement and any contractual obligation between DoctWorld and User will be governed by the laws of India.

o     9.2 Any dispute, claim or controversy arising out of or relating to this Agreement, including the determination of the scope or applicability of this Agreement to arbitrate, or your use of the Website or the Services or information to which it gives access, shall be determined by arbitration in India, before a sole arbitrator appointed by DoctWorld. Arbitration shall be conducted in accordance with the Arbitration and Conciliation Act, 1996. The seat of such arbitration shall be Mumbai. All proceedings of such arbitration, including, without limitation, any awards, shall be in the English language. The award shall be final and binding on the parties to the dispute.

o     9.3 Subject to the above Clause 9.2, the courts at Mumbai shall have exclusive jurisdiction over any disputes arising out of or in relation to this Agreement, your use of the Website or the Services or the information to which it gives access.

• 10. CONTACT INFORMATION GRIEVANCE OFFICER

o     10.1 If a User has any questions concerning DoctWorld, the Website, this Agreement, the Services, or anything related to any of the foregoing, DoctWorld customer support can be reached at the following email address: info@doctworld.com or via the contact information available from the following hyperlink: www.doctworld.com/contact.

o     10.2 In accordance with the Information Technology Act, 2000, and the rules made there under, if you have any grievance with respect to the Website or the service, including any discrepancies and grievances with respect to processing of information, you can contact our Grievance Officer at:

Name: Mr A.S. Jadhav
DoctWorld Services 
2^nd Floor,

Above Hotel Amit Palace Dr. Babasaheb Ambedkar Road, Turbha Naka
Navi Mumbai - 400705.
Phone: 9175315185
Email: info@doctworld.com

In the event you suffer as a result of access or usage of our Website by any person in violation of Rule 3 of the IG Rules, please address your grievance to the above person.

• 11. SEVERABILITY

If any provision of the Agreement is held by a court of competent jurisdiction or arbitral tribunal to be unenforceable under applicable law, then such provision shall be excluded from this Agreement and the remainder of the Agreement shall be interpreted as if such provision were so excluded and shall be enforceable in accordance with its terms; provided however that, in such event, the Agreement shall be interpreted so as to give effect, to the greatest extent consistent with and permitted by applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction or arbitral tribunal.

• 12. WAIVER

No provision of this Agreement shall be deemed to be waived and no breach excused, unless such waiver or consent shall be in writing and signed by DoctWorld. Any consent by DoctWorld to, or a waiver by DoctWorld of any breach by you, whether expressed or implied, shall not constitute consent to, waiver of, or excuse for any other different or subsequent breach.

• 13. NUTRITIONS NUTRICHOICE OFFER TERMS AND CONDITIONS

These terms and conditions (“Terms”) are set out in addition to the terms set out above this section on this web page (“General Terms”) and apply to grant of benefit in the form of credits in the DoctWorld accounts of the Users (“DoctWorld HealthCash”) in the form and under such circumstances as set out in these Terms by usage of the coupon codes available along with the Britannia Products (defined below) (“HealthCash Activation Codes”). The offer of DoctWorld HealthCash is available for the users of the Website (“Users”) during the period January 1, 2021 till December 31, 2022 (both days included) (“Offer Period”) only.

o     ..

14. DOCTWORLD HEALTH PLAN – USERTERMS AND CONDITIONS

For the purposes of the following terms and conditions (“DoctWorld Health Plan Terms”), the service provided to You (as defined below) is facilitation of consultation and other benefits, as detailed hereinafter, with the Practitioners (healthcare providers including all its doctors, agents, employees) registered pharmacies which facilitate the medicine orders (“Registered Pharmacies”) and diagnostic centres which conduct diagnostic tests (“Diagnostic Centres”), and other benefits the DoctWorld may offer in future, as a part of the subscription to the DoctWorld Health Plan (“Health Plan Service” / “Plan”). DoctWorld operates and facilitates the Health Plan Service provided through the Website.

o     14.1 NATURE AND APPLICABILITY OF TERMS

Please go through these DoctWorld Health Plan Terms carefully before you decide to avail the Health Plan Service facilitated by DoctWorld on its Website. The DoctWorld Health Plan Terms set out herein are in addition to the DoctWorld Terms and Conditions (available at https://www.doctworld.com/company/terms) read with the Privacy Policy (available at https://www.doctworldcom/company/privacy), (the Terms and Conditions and Privacy Policy are together referred as “Standard Policies”) and together they constitute a legal agreement between You and DoctWorld. The Standard Policies and the DoctWorld Health Plan Terms are to be read in connection with Your visit to the Website and Your use of the Health Plan Service respectively. To the extent of any inconsistency between the Standard Policies and the DoctWorld Health Plan Terms herein, the DoctWorld Health Plan Terms herein shall prevail over the Standard Policies to the extent of the inconsistency.

These DoctWorld Health Plan Terms apply to any person who subscribes to the Health Plan Service on behalf or for the benefit of a patient, either individually or inclusive of his/her family members / relatives. The primary user is required to be registered on the Website and should have subscribed to the Health Plan Service. For the purposes of these DoctWorld Health Plan Terms, the primary subscriber to the Health Plan Service is an individual designed as primary user (“Primary User”) in the Plan Page (as defined hereafter), who subscribes to the Health Plan Service either individually and/or for benefit of other members, which could include any other individual nominated by the Primary Member (hereinafter collectively known as the “Covered Members”). The Covered Members and a Primary User are collectively and individually hereinafter referred to as the “You” / “Your” / “User” / “Users”. As a part of availing the Health Plan Service, You may choose different packages available pursuant to the Health Plan Service / Plan which best suits Your needs as per the plan details set out in your DoctWorld application (“Plan Details”). The User specific details will be visible to You on Your purchased plan page (“Plan Page”) hosted on Your DoctWorld application.

If you have any questions about any part of these DoctWorld Health Plan Terms, feel free to contact us at info@doctworld.com.

By availing the Health Plan Service, you signify your acceptance of the terms of the Standard Policies and these DoctWorld Health Plan Terms.

We reserve the right to modify or terminate any portion of these DoctWorld Health Plan Terms and the Standard Policies for any reason and at any time, and such modifications shall be informed to You by appropriate notifications on the Website. You should read these DoctWorld Health Plan Terms and the Standard Policies at regular intervals. Your continued availing of Health Plan Service following any such modification constitutes your agreement to follow and be bound by these Terms and the Standard Policies so modified.

You acknowledge that you will be bound by these DoctWorld Health Plan Terms specifically for availing any of the Health Plan Service. If you do not agree with any part of these DoctWorld Health Plan Terms and/or the Standard Policies, please do not use the Website or avail the Health Plan Service.

Your access and use of the Health Plan Service will be solely at the discretion of DoctWorld.

o     14.2 CONDITIONS OF USE

You must be eighteen (18) years of age or older to register on the Website for availing the Health Plan Service as a Primary User. As a Primary User, You can add minors as Covered Member(s) under the Health Plan Service availed and subscribed to with the express understanding that the Primary Member shall be entirely responsible and liable on all counts for compliance with these DoctWorld Health Plan Terms for and on behalf of such Covered Member who is below the age of majority. By registering, visiting and using the Website for availing the Health Plan Service or accepting these Terms and the Standard Policies, You represent and warrant to DoctWorld that You are eighteen (18) years of age or older and have the appropriate authorization to contract on behalf of a Covered Member who is below the age of majority, and that You have the right, authority and capacity to use the Website for availing the Health Plan Service and agree to and abide by these Terms.

o     14.3 TERMS OF THE HEALTH PLAN SERVICE

• 14.3.1 Term: The Health Plan Service subscribed by You will be valid for the period as per the Plan Details commencing from the date of the subscription of the Health Plan Service (“Term”). After the expiry of the Term, You may choose a different Plan as per the Plan Details and subscribe thereto or renew Your existing subscription, on such terms that are valid and subsisting as on date of subscription or renewal. The benefits under the Health Plan Service cannot be carried forward after the expiry of the Term.
• 14.3.2 Registration: The Primary User is a registered user on the Website and has subscribed to the Health Plan Service on the Website by paying the applicable fees as per the Plan Details. You could avail the Plan solely for You or for Yourself and any Covered Member(s). Each Covered Member, who is covered by the Health Plan Service subscribed by You will have to follow an authentication mechanism to utilize the Health Plan Service. The maximum number of permissible Covered Members per each Primary User will be set out in the Plan Details. Covered Members, once added by the Primary User cannot be removed, modified or edited.
• 14.3.3 Information: As a part of the registration process for Health Plan Service, You will fill in certain personal information and details in order to create a medical history and profile which will be accessible to the Practitioners. The information shared by You will be dealt with in accordance with the Standard Policies.
• 14.3.4 Health Plan Service details: As a part of Health Plan Service, You are entitled to benefits (which may include such number of consultations, offers on medicines which are ordered through the Website, discounted health check-ups, discounts / offers on diagnostics tests and Family Doctor benefit, or any other benefit that DoctWorld may offer in the future) that are set out in the Plan Details.
• 14.3.5 Health Plan Service process: After subscribing to Health Plan Service, You will be eligible to avail the benefits covered under the Health Plan Service as under:

10. Consultations: Covered Consultations and their Utilization: As part of the Health Plan Service, You are entitled to certain number of consultations with Covered Practitioners at a discounted rate (“Covered Consultations”). For the purposes of these Terms, “Covered Practitioners” are those Practitioners who have been onboarded by DoctWorld to provide You the Covered Consultation as part of Health Plan Service. The number of Covered Consultations that You are eligible for shall be displayed under Your Plan Page. The Covered Consultations can be availed by You either by booking through the Website by using the Book facility (as published on the Website) or by way of a walk-in. It is clarified that the benefits under the Covered Consultations will be calculated cumulatively and not per member. Illustratively, 1 Primary User has subscribed to the Health Plan Service with 4 Covered Members who are cumulatively entitled to 10 Covered Consultations. This means that as a group (Primary User and the Covered Members) the number of Covered Consultations is 10. These 10 Covered Consultations can be utilized by 1 individual User or more than 1 individual user in such combination and proportion that they choose as a group. Further, if You have exhausted the Covered Consultations under the Health Plan Service, You will still be able to avail other benefits which are a part of the Health Plan Service, however, if You seek a consultation with the Covered Practitioners after exhausting the Covered Consultation, You will have to pay to the Covered Practitioner their standard rate at their establishment. If before the expiry of the Term, You have exhausted the Covered Consultations that You were eligible for, You may have an option to renew Health Plan Service solely for the purpose of subscribing to additional number of Covered Consultation during the Term.
    Authentication: If You are booking a Covered Consultation through DoctWorld’s Book facility, then the Plan Details, shall indicate such Covered Consultation to have been consumed at the time of booking such Covered Consultation, unless you have cancelled it as per permissible timelines set out in the Standard Policies. However, if You are availing the Covered Consultation by way of a walk-in appointment, then the Plan Details shall indicate such Covered Consultation to have been consumed once You authenticate Your booking at such Covered Practitioner’s establishment. Covered consultations do not include consultations with Physiotherapist, Psychiatrist, Ayurveda, and Homeopathy.
11. Medicine: As part of the Health Plan Service, You are eligible to receive offers on order of medicines (as offered for sale by Registered Pharmacies which are the sellers of such medicines) through the Website during the Term as per the Plan Details. The type of offers will be set out under your Plan Details. The other terms and conditions governing the order of medicines which are available at https://www.doctworld.com/order/terms (“Order Terms”) will applicable to You in conjunction with the Standard Policies. The offers on purchase of medicines is available only on purchase of medicines through the Website and not via any other mode. For the purposes of these DoctWorld Health Plan Terms, “Registered Pharmacies” are those pharmacies who have been on-boarded by DoctWorld to offer You sale of medicine as part of the Health Plan Service through the Website. Additionally, the Order Terms applicable to DoctWorld and User on medicine order will apply ‘as is’ under these DoctWorld Health Plan Terms. It is to be noted that DoctWorld is not the seller of the medicines but only a facilitator which facilitates procurement of medicine between You and a Registered Pharmacist. DoctWorld is in no manner liable for or responsible towards the underlying medicine sale between the User and the registered pharmacist. DoctWorld hereby disclaims and excludes all warranties with respect to all services, information and/or products contained on a medicine order, express, implied or statutory.

iii.        Diagnostics: As part of Health Plan Service, You will be eligible to receive discounts / offers on the diagnostic tests availed by You (undertaken by Diagnostic Centres) through the Website for the Term as per the Plan Details. The quantum of the discount or type of offers will be set out under your Plan Details. The other terms and conditions governing the lab/diagnostic tests which are available at https://www.doctworld.com/company/terms/diagnostic will applicable to You in conjunction with the Standard Policies. For the purposes of these Terms, “Diagnostic Centres” are those diagnostic centres who have been onboarded by DoctWorld to offer You diagnostic tests under the Health Plan Service. It is to be noted that the terms applicable to DoctWorld and User on diagnostic tests will apply ‘as is’ under these Terms. The lab that You choose for the diagnostic test will offer at-home diagnostic service, and may offer walk-in tests at its discretion. It is clarified that all diagnostic tests may not be covered under Health Plan Service which is at the discretion of such Diagnostic Centres. It is further clarified that DoctWorld does not conduct any diagnostic tests but is only a facilitator between the User and the Diagnostic Centres. DoctWorld is in no manner liable for or responsible towards the actual test and analysis undertaken by the Diagnostic Centre. DoctWorld disclaims and excludes all warranties in relation to any diagnostic service availed by the User as part of the Health Plan Service.

1. Health Check-ups: As a benefit extended to You as a subscriber to Health Plan Service, You will get health check-ups at discounted fees during the Term. The details (including the number) of health check-ups will be visible to You under your Plan Page. As with Covered Consultations, the Primary User and the Covered Members may, as a group, choose to avail the health check-ups in such proportion amongst themselves as they deem fit. Health check-up would be provided by the Covered Practitioners and the Diagnostic Centres.
2. Family Doctor: As a part of the Health Plan Service, You will also be eligible to avail the benefit of online tele-consultation with a team of Practitioners (“Family Doctor”). The Family Doctor will be available to You for consult and You are not required to pay any additional sum to consult with such Family Doctor. The Family Doctor benefit may be availed either through a phone call or chat or a video call. The Standard Policies applicable to You with regard to the online consultation (DoctWorld Consult / Consult) will apply “as is”. Please note that the benefit of Family Doctor Consult is merely a consulting model and any interactions and associated issues with the Practitioner acting as Family Doctor, including but not limited to the Your health issues and/or Your experiences is strictly between You and such Practitioner. You shall not hold DoctWorld responsible for any such interactions and associated issues. Any conversations that You have had with Family Doctor will be retained in DoctWorld database as per the applicable laws and subject to confidentiality as laid out in the Standard Policies. Additionally, DoctWorld in no manner endorses any Practitioner who is acting in the capacity of Family Doctor, that You consult and is not in any manner responsible for any drug/medicines prescribed or the therapy prescribed by such Family Doctor on the basis of the consultation. Further, DoctWorld shall not be responsible for any breach of service or service deficiency by such Practitioner. It is further clarified that DoctWorld is not a medical service provider, nor is it involved in providing any healthcare or medical advice or diagnosis, it shall hence not be responsible and owns no liability to either You or any Practitioner for any outcome from the consultation between You and such Practitioner. The Family Doctor benefit is made available to You to obtain consultation from a Practitioner as a part of the Health Plan Service and is in no way intending to replace physical consultations with the Practitioner.

• 14.3.6 Payment for the Health Plan Service: You will pay to DoctWorld at the time of subscribing to the Health Plan Service, at the rates set out in the Plan Details. At the time of visiting the establishment of the Practitioner for Covered Consultation, You are not required to pay any amount as long as your eligibility for Covered Consultations are valid and has been set out in the Plan Page. After availing the Covered Consultation service, You are required to let the billing department of such Practitioner’s establishment know, that You have availed it by way of a Covered Consultation as part of Health Plan Service which will then be authenticated by the Practitioner’s establishment.
• 14.3.7 Health Plan Service Cancellation and Refund Policy:

You may have an option to cancel Your subscription to the Health Plan Services. You will contact DoctWorld on the customer support chat channel regarding cancelling Your subscription to the Health Plan Service. Further, DoctWorld may refund the amount paid by You towards your subscription of the Health Plan Services (“Health Plan Subscription amount”), subject to the following conditions:

• 1. In the event the Health Plan Subscription  the refund scheme is not applicable:

• 14.3.8 As a part of Health Plan Service, You are entitled to certain discounts, offers and benefits. It is clarified that none of these benefits under Health Plan Service can be redeemed for cash.
• 14.3.9 Fair Usage Policy for DoctWorld Health Plan.

The following fair usage policy shall be applicable to every Plan

 .        The aforementioned fair usage policy is subject to change by DoctWorld at its sole discretion based on future analysis and actual usage.