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Terms and Conditions

  • Introduction

    HDFC Pension Management Company Limited (hereinafter referred to as "HPMC", "We" or "Us") which expression shall unless repugnant to the context or meaning thereof be deemed to include its successors and assigns having its 13th floor, Lodha Excelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai- 400 011 owns and maintains, directly or indirectly, www.hdfcpension.com (hereinafter referred to as "the Website" or "the Site"). HPMC owns or has license to use all contents, graphs, images, HTML and CGI or other scripts displayed and used on this Website. The information provided on this Site should not copied, modified, uploaded, downloaded, published or republished, transmitted or otherwise distributed for commercial purposes without prior and explicit written consent from HPMC. Reproduction of any information or material, with or without any modification, provided on this Website is strictly prohibited unless it is performed/ done with the prior written consent of HPMC, and does not amount to violation of copyright.

    These Terms include the Privacy Policy which is incorporated into these Terms by reference. By using the Website and our services, "You" or "you", the "User" or person accessing the Website are indicating their acceptance to be bound by these Terms and Conditions, including the Privacy Policy. Hence please ensure that you read them carefully.

  • Restriction of Services

    HPMC reserves the right to select the User of this Website and take decision whether or not to permit any person to use the services provided on this Website. You may use our Website only as permitted by law. We may suspend or stop providing our services to you if you do not comply with our Terms or policies or if we are investigating suspected misconduct.

    Using our Website does not give you ownership of any intellectual property rights in our Website or the content you access. Nor do they grant you the right to use any branding or logos used in our services or to remove, obscure, or alter any legal notices displayed in or along with our services. In connection with your use of the services, we may send you service announcements, administrative messages, and other information. However you may choose to opt out of those communications.

  • No Warranties:

    Information and material on this Site are provided on an "as is" basis, and are without guarantees or warranties of any kind including completeness, correctness, accuracy, reliability, express or implied. Further, any ideas and/or information provided or gained from this Site would not necessarily reflect the views of HPMC or its directors or employees.

  • Limitation of Liability

    This Website may contain links to websites, web-pages and services operated by HPMC and / or its Affiliates, and your use of each such website is also subject to the Terms and Conditions and other terms and guidelines, if any, in respect of each such website. In the event that any of the Terms and Conditions, or notices contained herein conflict with the terms and conditions or other guidelines contained within any particular website, then the Terms and Conditions of this Website shall prevail. The linked sites are not under the control of HPMC and HPMC has not reviewed and/or approved these sites. HPMC shall not be responsible for the content or omissions of any linked site or any links contained in a linked site. The inclusion of any linked site does not imply any direct or indirect endorsement by HPMC of the site. HPMC disclaims all responsibility for any inaccuracy, error, falsity, omission and/or non-compliance in any material appearing on any linked site. Third party links are governed by their respective website usage agreements.

    You hereby agree and confirm that You shall click on the links to and familiarize yourself with the terms, conditions and guidelines found throughout this Website and the affiliated websites and abide by them if You choose to use the sites, pages or services to which they apply. While the Site may be updated with changes periodically, HPMC does not guarantee that this Site reflects the latest amendments/ information at all times or at any time.

  • Nil Liability

    Under no circumstances, including but not limited to negligence, shall HPMC or its directors or employees be liable for any special or consequential damages including lost profits, revenues, or data, financial losses or indirect, special, consequential, exemplary, or punitive damages that are alleged to have resulted from the use and/or inability to use this Site or information contained within, even if HPMC and/or its employees or directors have been notified of the possibilities of potential damages or losses.

  • Right to Monitor:

    HPMC reserves the right to monitor this Site and all its content, and to disclose any information as necessary to satisfy any law, regulation or governmental request, or to edit, remove any information or materials, in whole or in part, that in HPMC�s sole discretion are objectionable or in violation of these Terms and Conditions.

  • Right to alter the Services:

    The Website facility is being offered at the sole discretion of HPMC and HPMC reserves the right to add, amend, revise, withdraw, suspend or cancel the usage of this viewable/usable rights of the Website either in whole or in part any of the services which are part of the Website facility, without any prior notice to the User. Any addition, amendment, revision, suspension or cancellation shall be effective and binding on the User. HPMC may introduce new services (forming part of Website facility) on the Website from time to time. The existence and availability of the new services as part of the Website facility will be notified on the Website as and when they become available. Any revision in the Terms and Conditions will take place in accordance with these Terms and Conditions.

  • Terms of usage of the Website:

    As a condition of accessing the Website and usage of the Website facility, the User unconditionally and absolutely acknowledges and accepts the Terms and Conditions in its entirety.

    The User shall be responsible for arranging and providing for the mode to access this Website, and HPMC shall not be responsible for any damage, breakdown, wear and tear or any cost, directly or indirectly attributable to use of this Website.

    The User further submits to bear charges, if any, that may be levied by HPMC to offer services on the Website.
    • Viruses and Malicious codes:The User shall pursue all necessary steps to ensure that their machines are virus free while accessing HPMC Website. The User shall refrain from activities like uploading files infected with viruses or malicious scripts/ programs or trying to infect the HPMC system with viruses, worms & other malicious codes.
    • Unethical practices: The User warrants that the User will not use any software, tool or code that would hamper or disable all or any portion of the portals or Services offered by HPMC. The User also warrants against use of reverse engineering tools to break or harm the portals or services offered by HPMC.
      The User must use the site(s), the services and the information solely for his/her own purposes and must not make these available to third parties without the prior written consent of HPMC.
    • Use of Website: The Website is deemed to be in use or is being accessed by You when it is loaded and/or continues to be loaded in temporary or permanent memory of Your computer or similar system or in the internet browser thereof.
    • Restrictions on Use:You agree to use the Website strictly for Your personal use. You agree not to use this Website or the Website facility for any purpose which is manner inconsistent with these Terms and Conditions or in contravenes any provisions of law or is deemed inappropriate by HPMC. You agree not to use, transfer, distribute or dispose of any information contained in the Website in any manner that could compete or conflict with the business interest of HPMC or otherwise compromise or imperil the interests of HPMC. If you utilize the Website in a manner inconsistent with these Terms and Conditions, We may terminate your access, block your future access and/or seek such additional relief as the circumstances of your misuse indicate as proper.
  • Intellectual Property:

    You should assume that everything You see or read or hear or experience on the Website (including but not limited to directories, charts, guides, pictures, news articles, excerpts, opinions, critiques reviews, downloads, text, forms, photographs, source code, images, illustrations, profiles, data files, audio clips, video clips, copyrighted material, 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.

    'HDFC Pension' and logo are trademarks of HDFC Pension Management Company Limited. Other trademarks, service marks and logos may be the property of their respective owners. Unless otherwise stated, HPMC and/or its licensors are the owners of the copyright and database rights in this Website, including content data, design, graphics, text, images, software and underlying source codes.

    The trademarks, logos, slogans and service marks displayed on this Website, whether registered and unregistered, are proprietary to HPMC and/or others. Unless expressly stated in writing, HPMC does not grant any authority, right or license to use or display any trademarks, logos, slogans and service marks displayed on this Website. We reserve the right to seek appropriate legal remedy for any violation or breach of any intellectual property rights including but not limited to unauthorized use of any trademarks, logos, slogans, service marks and contents of this Website.

    Copyright in the pages of this site, in the screens displaying the pages and in the information and material contained therein and their arrangement, is owned by HPMC, unless otherwise indicated. HPMC also claims trade mark and service mark rights in marks contained within the pages of this Site.

    Reproduction of these pages in whole or in part without the prior written consent of HPMC is strictly prohibited unless for private, non-commercial viewing purposes.

  • Email:

    Please note that there is no guarantee that any email sent will be received, or that the contents of any such email will remain private during Internet transmission. If you have any such concerns, you may prefer to use the telephone or postal system instead.

    We reserve the right to monitor the use and content of emails which are sent from and received by us for the purposes of ensuring compliance with our own email policy, and identifying and taking action against unlawful or improper use of our systems, including, but not limited to, spoofing, the transmission of computer viruses and denial of service attacks.

  • Downloads:

    Please note that any downloads provided may only be used for promotional, journalistic and/or reporting purposes relating to HPMC and for no other purpose. All software, multimedia files, photographs, reports and other documents are downloaded at your own risk. We do not warrant the suitability of any such downloads and accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of any such downloads for your computer, it is recommended that you obtain specialist advice before downloading.

  • Foreign Jurisdiction:

    HPMC accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than India. The mere fact that the Website can be accessed by a User in or from a country other than India would not mean that the laws of the said country would govern these Terms and/or the use of the Website by the User.

    HPMC's performance of Terms and Condition is subject to existing laws and legal process, and nothing contained in this Terms and Conditions is in derogation of HPMC's right to comply with governmental, court and law enforcement requests or requirements relating to your use of Website or information provided to/ gathered by HPMC with respect of such use.

  • Miscellaneous:

    The performance of our obligations under these Terms may be interrupted and shall be excused by the occurrence of a force majeure event affecting us or any of our sub-contractors.

    The Website and its contents shall be subject to Government notifications, the rules, regulations and guidelines issued by the Pension Fund Regulatory and Development Authority, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service under the Website facility, if any, on which such transactions are executed and/or cleared by HPMC.

    HPMC may use third party services for commercial transactions and payments. The security and privacy of those sites are not managed by HPMC, however HPMC shall be indemnified for any fraudulent transactions or misuse.

    If HPMC fails to exercise any right or remedy under these terms, this shall not prevent HPMC from doing so at any time in the future.

    The words 'including' or 'include' and words of similar effect will not be deemed to limit the general effect of the words which follow them.

    Each provision of these terms will be construed separately and, in the event that any such provision may prove to be illegal or unenforceable, the remaining provision of these terms will continue in full force and effect.

    The headings to sections will not form part of these terms and will not affect the interpretation of any section.

    Any disclaimers and exclusions contained within these terms will survive termination of these terms.

  • Disclaimer:

    You specifically acknowledge and agree that HPMC is not liable for any defamatory, offensive or illegal conduct of any User. You also specifically acknowledge that any Communication transmitted by you to HPMC via the Internet may not remain confidential or free from interference by unauthorized third parties during its transmission.

    You agree to indemnify and keep HPMC indemnified at all times from all losses, damages, costs, expenses, loss of profits, loss of business, proceedings, actions, suits (including legal fees) caused to or suffered by HPMC and/ or its associates, their officers, directors, employees, affiliates as a direct or indirect consequence of Your actions or actions that are attributable to your use of the Website material or your breach of these Terms and Conditions.

    Violations of system or network security may result in civil or criminal liability.

    No advice or information, whether oral or written, obtained by You from or through the Website facility or any person shall create any warranty not expressly stated herein.

    HPMC, its employees and directors, its suppliers and its third party advisors shall not be liable for any action taken by You based on or relying on the information provided in or by the Website.

    We will not be liable for any direct, incidental or consequential loss, which may be caused to You as a result of Your use of the Website / Website facility.

    If You are dissatisfied with the Website or any portion thereof, the Website facility or with any of these Terms and Conditions, Your sole and exclusive remedy is to discontinue using this Website and availing Website facility.

    You acknowledge that any rights not expressly granted herein are reserved.

  • Jurisdiction:

    Usage of this Website and these terms and conditions shall always be governed by Indian laws and all disputes shall be subject to exclusive jurisdiction of courts at Mumbai, irrespective of the territory and jurisdiction of your access to this Website.

  • Corporate Information:

    HDFC Pension Management Company Limited

    Registered Office: 13th floor, LodhaExcelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai- 400 011

    If you have any questions you may contact us at the following touchpoints:

    T: 91-22-6751 6666

    F: 91-22-6751 6333

    Email ID: contactus@hdfcpension.com