Terms & Conditions
This document contains the following parts:
Part A - Common Terms
Part B - Terms and Conditions (called "Terms" or "Terms and Conditions") governing the use of this Website
PART A - COMMON TERMS
HDFC Life Insurance Company Limited (hereinafter referred to as "HDFC Life", “We” or “Us”) which expression shall unless repugnant to the context or meaning thereof be deemed to include its successors and assigns having its Registered Office at Lodha Excelus, 13th Floor Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai – 400011, Maharashtra, India. owns and maintains, directly or indirectly, www.hdfclife.com (hereinafter referred to as “the Website” or “the Site”). HDFC Life owns or has license to use all contents, graphs, images, HTML and CGI or other scripts displayed and used on this Website.
With respect to this Website HDFC Life reserves all the right © 2021.
The information provided on this Site should not copied, modified, uploaded, downloaded, published or republished, transmitted or otherwise distributed without prior and explicit written consent from HDFC Life. 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 HDFC Life.
1. Restriction of Services :
HDFC Life reserves the right in its sole discretion to provide the services listed on the Website to any User.
Through this Website, you may access your account and carry out various transactions/ provide instructions.
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. 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.
If you learn of any unauthorized use of your password or account, please follow the following instructions:
- Change your password immediately through self service – Please enter the Client Id and answer the secret question. Password will be reset and shared on the registered email id.
- In case you cannot reset your password online, please contact HDFC Life helpdesk team & request to change your password.
2. 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 HDFC Life or its directors or employees.
The information on insurance policies provided on the Website is indicative of the terms, conditions, provisions and exceptions contained in the respective insurance policy (hereinafter referred to as “Policy”). For further details, please refer to the Policy document and product brochures.
3. Limitation of Liability:
This Website may contain links to other websites, web-pages and services operated by HDFC Life and / or its Affiliates, and your use of each such website is also subject to the respective Terms and Conditions and other terms and guidelines provided by such websites, 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 HDFC Life and HDFC Life has not reviewed and/or approved these sites. HDFC Life 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 HDFC Life of the site. HDFC Life 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.
The information obtained at/or through this Site is not and should not be construed as an offer for a Policy or any other assistance. The terms and conditions on which HDFC Life sells the policies are subject to change from time to time depending on various factors including IRDAI regulations. While the Site may be updated with changes periodically, HDFC Life does not guarantee that this Site reflects the latest amendments/ information at all times or at any time.
4. Nil Liability:
Under no circumstances, including but not limited to any liability arising from tort, contract or negligence, shall HDFC Life or its directors or employees be liable for any indirect, incidental, special, punitive, exemplary or consequential damages including lost profits, revenues, or data, financial losses that are alleged to have resulted from the use and/or inability to use this site or information contained within, even if HDFC Life and/or its employees or directors have been notified of the possibilities of potential damages or losses.
5. Transfer of interest:
Any information or message including but not limited to uploading files, data inputs, or engaging in any other form of communication (hereinafter referred to as “Communication”) through this Site, You grant to HDFC Life a royalty free, perpetual, non-exclusive, sub-licensable, unrestricted, worldwide license to:
- Use, copy, sublicense, publicly perform or display any such Communication; and
- Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the Communication.
The foregoing grants shall include the right to exploit any proprietary rights in such Communication, including but not limited to rights under copyright, trademark, service mark, or patent laws under any relevant jurisdiction.
6. Right to Monitor:
HDFC Life 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 HDFC Life’s sole discretion are objectionable or in violation of these Terms and Conditions.
7. Allocation of Units:
The day on which units are allocated will be governed by unit allocation rules. These rules will specify which day's unit prices are used for requests made on a specific day and time subject to a cut-off time.
For the first premium, allocation rules will apply to the day and time on which the Policy is issued. For subsequent premiums and premium top-ups, the allocation rules will apply to the date and time we receive the intimation and the cheque.
All allocations or deallocation of units for transactions initiated by the policyholder (like premium payments, fund switches, revival, surrenders, partial withdrawals etc) will be processed using the unit price of the same day to be declared at end of that day provided an asset valuation happens. If it is not a valuation day, we will use the unit price of the immediately next valuation day.
For outstation cheques, the allocation will be based on the day the cheque is realized. In case of renewal premium if the delay in realisation causes the Policy to cross the grace period, we will lapse/ make paid-up the Policy.
Policy charges which are taken through deallocation of units will use either the unit price of the same day if it is a valuation day otherwise we will use the unit price of the valuation day last available.
Policy cancellations initiated by us should use either the unit price of the same day if it is a valuation day otherwise we will use the unit price of the valuation day last available.
If there is any discrepancy in the Terms and Conditions contained herein with the terms contained in the policy document, then the terms contained in the policy document shall prevail.
8. Intellectual Property:
'HDFC Life' and ‘Sar Utha Ke Jiyo’ and HDFC Life logo are registered trademarks of HDFC Life Insurance Company Limited. Other trademarks, service marks and logos may be the property of their respective owners. Unless otherwise stated, HDFC Life 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 HDFC Life and/or others. Unless expressly permitted in writing, HDFC Life 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 HDFC Life, unless otherwise indicated. HDFC Life 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 HDFC Life is strictly prohibited unless for private, non-commercial viewing purposes.
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 and that there are inherent risks involved in sending the instructions/Communications/documents by electronic means and hereby agree and confirms that all respective risks shall be fully borne by User who assumes full responsibility for the same. In this regard, You will not hold the HDFC Life liable and hereby hold HDFC Life harmless from any demands, actions, liabilities, losses, damages, expenses or claims.
.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.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.
Please note that any downloads provided may only be used for promotional, journalistic and/or reporting purposes relating to HDFC Life 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.
You specifically acknowledge and agree that HDFC Life is not liable for any defamatory, offensive or illegal conduct of any User. You also specifically acknowledge that any Communication transmitted by you to HDFC Life via the Internet may not remain confidential or free from interference by unauthorized third parties during its transmission.
Disclaimer in case of unit linked policies
In unit linked policies, the investment risk in the investment portfolio is borne by the policyholder. The Unit Linked Insurance products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the monies invested in Unit Linked Insurance Products completely or partially till the end of fifth year.
For more details on risk factors, associated terms and conditions and exclusions, please read sales brochure carefully before concluding a sale.
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors.
- The premium paid in Unit Linked Life Insurance policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured is responsible for his/her decisions.
- The name of the company, name of the brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable charges, from your insurance agent or the intermediary or policy document of the insurer.
The various funds offered under this contract are the names of the funds and do not in any way indicate the quality of these plans, their future prospects and returns.
Part B - Terms and Conditions (called "Terms" or "Terms and Conditions") governing use of this Website of HDFC Life Insurance Company Limited
1. Applicability of Terms:
These Terms and Conditions, in so far as they refer to the User form the contract and agreement between the User and HDFC Life unconditionally.
2. Right to alter the Services:
The Website facility is being offered at the sole discretion of HDFC Life and HDFC Life 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. HDFC Life 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.
3. Terms of usage of the Website:
As a condition precedent 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 further acknowledges that the availability of the information, advice and the guidance if any on the Website does not constitute a recommendation (unless indicated otherwise) and is not a solicitation (unless indicated otherwise) by HDFC Life or any of their personnel or the experts used by HDFC Life for buying Policies.
The User acknowledges that the proposal given to HDFC Life for purchase of any insurance policy is the sole decision of the User and has not been forced to purchase a Policy by HDFC Life or its Financial Consultants and/or its employees.
The User shall be responsible for arranging and providing for the mode to access this Website, and HDFC Life 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 HDFC Life to offer services on the Website.
Compliance with Cyber Security
You warrant that you will not:
- Participate in any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or HDFC Life’s systems or networks, or any systems or networks connected to the Site or to HDFC Life.
- Use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on the Site, or with any other person’s use of the Site.
- Attempt to probe, scan or test the vulnerability of the Site or any network connected to the Site, nor to breach the security or authentication measures on the Site or any network connected to the Site.
- Attempt to reverse look-up, trace or seek to trace any information on any other user of or visitor to the Site, or any other customer of HDFC Life, including any HDFC Life account not owned by you, to its source, or exploit the Site or any service or information made available or offered by or through the Site, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by the Site.
- Use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Site or any content, or in any way reproduce or circumvent the navigational structure or presentation of the Site or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Site.
- Attempt to gain unauthorized access to any portion or feature of the Site, or any other systems or networks connected to the Site or to any HDFC Life server, or to any of the services offered on or through the Site, by hacking, password “mining” or any other illegitimate means.
- Attempt to forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to HDFC Life on or through the Site or any service offered on or through the Site. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.
- Attempt to knowingly or intentionally penetrate or access HDFC Life network or systems without authorization or exceeding authorized access; and by means of such conduct carry out an unauthorized transaction or obtain access to information, data or computer database that is restricted.
- Attempt to introduce or cause to introduce any computer contaminant and by means of such conduct cause or be likely to cause damage or destruction to HDFC Life’s property or disruption of HDFC Life’s services.
Viruses and Malicious codes
The User shall pursue all necessary steps to ensure that their machines are virus free while accessing HDFC Life Website. The User shall refrain from activities like uploading files infected with viruses or malicious scripts/ programs or trying to infect the HDFC Life system with viruses, worms & other malicious codes.
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 HDFC Life. The User also warrants against use of reverse engineering tools to break or harm the portals or services offered by HDFC Life. 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 HDFC Life.
The services of this Website shall be available to Retail clients only.
4. Terms of Usage of the Website with specific reference to the Users in connection with their Policies:
As a pre-requisite for accessing the content on the Website, HDFC Life may require you to register for availing the services. You are requested to complete all the required columns and HDFC Life retains the right to cross-verify the same by requesting you to provide documentary evidence for the same. HDFC Life also reserves the right to terminate the registration in its own discretion, for reasons not limited to submission of erroneous / incomplete / derogatory / inappropriate / incomplete information.
HDFC Life shall at no times be required to ensure that the details provided by you are up to date and it shall be the duty for each User that the same is duly updated at all points of time.
User ID and User Password:
The User acknowledges that he would be able to access the Website facility with regard to his Policy by using the User ID and the User Password. The User further confirms and agrees that he will be the sole and exclusive owner and is the only authorised user of his User ID and the User Password and accepts sole responsibility for use, confidentiality and protection of the User ID and the User Password as well as for all account transactions initiated through his User Account and shall ensure that the User password/s is/are not revealed to any third party or recorded in any written or electronic form.
If the User forgets / loses the User ID, he can request HDFC Life for informing his User ID. In case he forgets or loses his User Password, the User would be able to retrieve his User Password by following the procedure on the Website.
The User undertakes not to disclose the User Password to any person including employees of HDFC Life. HDFC Life will be entitled to levy service charges for generation of new password.
The User shall at all times be fully responsible and liable for all account transactions that are carried out by the use of the User ID or the User Password registered under the User (“Account Transactions”). If third parties gain access to the services offered as part of the Website facility through the use of the User ID and User Password, the User shall be deemed to be responsible and the User hereby indemnifies and holds harmless HDFC Life against any liability, costs or damages arising out of claims or suits by or against such third parties based upon or relating to such access and use.
Any Account Transactions authorised by using the User ID and User Password shall be deemed to be that of and initiated by the User and HDFC Life shall treat the transactions as genuine and will carry them out even if given in error, and is not responsible for any mistake / error made by the User in keying in any details or data or any facts or figures. HDFC Life will endeavour to carry out the instructions correctly, but it is the User’s responsibility to check that HDFC Life has carried out instructions correctly. If the transaction has not been carried out correctly or an error has occurred, the User should notify HDFC Life as soon as possible.
HDFC Life would be entitled, at its sole discretion, to seek offline written or other confirmation from the User of any Account Transaction as it may deem fit to ascertain or verify the genuineness of request for Website facility.
The User shall follow such procedure laid down by HDFC Life from time to time in case of loss of password. Neither HDFC Life nor any of their officers, directors, employees, advisors, affiliates or subsidiaries can or will have any responsibility or liability to the User or to any other person whose claim may arise through the User with respect to any of the circumstances described above.
The User must log out of the site(s) that has been accessed and close the web browser else, information about the User may appear on the screen of the computer when it is next used and HDFC Life cannot be held responsible for third parties having access to this information.
The Users are instructed to use legitimate User Id and Password assigned to them only. Use of access credentials meant for other users will be identified as unauthorised access to the Website and the User may be disabled or barred from using other services. Legal action may be taken as per applicable law of India.
The Site(s) and/or the services may be temporarily unavailable or restricted for administrative or other reasons. If this happens HDFC Life will endeavour to restore their availability as quickly as possible.
Evidence Of Account Transactions:
HDFC Life's own records of the Account Transactions maintained through computer systems or otherwise including time of the Account Transactions shall be conclusive proof of the genuineness and accuracy of the Account Transactions and binding for all purposes.
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. It is also understood by the User that if in any case the Policy of the User is lapsed due to reasons whatsoever; the internet password (IPIN) will not be generated and the User will not be able to update his IPIN.
In cases if IPIN is generated but the Policy lapses due to reasons whatsoever; then the User possesses no service rights and shall not be able to access the details of his plan and Policy and may only view summary pages subject to amendment and change, as HDFC Life deems fit and necessary.
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 HDFC Life. 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 HDFC Life or otherwise compromise or imperil the interests of HDFC Life.
5. Payment instruction:
When HDFC Life receives a transaction instruction from you through the payment mode, We will be entitled to debit any payment plus any charges payable for the transaction from the account you have specified. We shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the bank or the credit card agency to perform any of its obligations. We shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any transaction, on account of the cardholder having exceeded the preset limit mutually agreed by the cardholder with the card issuing entity from time to time.
6. Foreign Jurisdiction:
By proceeding to access this Website, you accept & acknowledge that, You are:
- availing the services related to life insurance products in India;
- permitting HDFC Life to store your personal data for the period as per its policy & in accordance with the applicable laws in India. Further, HDFC Life shall be unable to provide services to you in the event, You request HDFC Life to erase/delete your data that is still required for the purpose it was collected.
HDFC Life'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 HDFC Life'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 HDFC Life with respect of such use.
7. Intellectual Property Rights:
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 Life may sub-contract and employ advisors to carry out any of its obligations under these Terms and Conditions. HDFC Life may transfer or assign its rights and obligations under this contract to any Affiliate.
All Account Transactions, which cannot be carried out instantaneously, would be carried out during working hours either on the same day or such further period as may be determined and/or specified by HDFC Life depending upon the time of logging of the transaction / nature of transaction. You are requested to check with HDFC Life the estimated time required for completion of transaction / request, prior to execution of a transaction / request.
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.
All Account Transactions shall be subject to Government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service under the Website facility, if any, on which such transactions are executed and/or cleared by HDFC Life.
HDFC Life also uses third party services for commercial transactions and payments. The security and privacy of those sites are not managed by HDFC Life, however HDFC Life shall be indemnified for any fraudulent transactions or misuse.
Payment transaction at a cybercafe/shared computer terminal is risky and you shall not use the services of a cybercafe/shared computer terminal to do any such transactions. If so, HDFC Life will not be liable for any misuse or fraud committed using such terminals or machines.
If HDFC Life fails to exercise any right or remedy under these terms, this shall not prevent HDFC Life from doing so at any time in the future nor it shall be construed as a waiver granted from these terms.
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.
You agree to indemnify and keep HDFC Life 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 HDFC Life as a direct or indirect consequence of Your actions or actions that are attributable to Your User ID, including due to breach of Terms due to negligence or default.
We make no warranty regarding the Account Transactions entered into through the Website. 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.
HDFC Life, 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, indirect, incidental or consequential loss, foreseen or unforeseen 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/or availing Website facility.
You acknowledge that any rights not expressly granted herein are reserved.
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.
11. Corporate Information:
HDFC Life Insurance Company Limited
Registered Office: HDFC Life Insurance Company Ltd. Lodha Excelus, 13th Floor Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai – 400011, Maharashtra, India.
Corporate Office: 12th and 13th floor, LodhaExcelus, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai- 400 011, Maharashtra, India.
If you have any questions you may contact us at following numbers:
- For Product information : 1800-227-227
- For Customer service: 1860-267-9999 (Local charges apply) | 022-68446530 (STD charges apply)
(Mon – Sat 10am to 7pm. DO NOT prefix any country code e.g. +91 or 00)
- For Online buying- 1800-266-9777
Insurance is the subject matter of solicitation.
Please refer to respective Policy documents for risk factors and further details.
Copyright ©2013 HDFC Life Insurance Company Limited. All rights reserved.