Terms & Conditions


Ownership of Site, Agreement to Terms of Use

These terms and conditions of use laid down by us will apply to Harmony and all the associated sites which have a link to it and its subsidiaries. BY USING THIS SITE YOU AGREE TO THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THEM THEN PLEASE DO NOT USE THIS SITE.

The agreement is for an indefinite term and you are bound by the conditions in the agreement if you to use the Site.


We, Harmony, have all the rights, without prior notice to change, alter, amend, cancel, suspend or modify any of the terms of the agreement. You shall be deemed to have accepted such changes/alterations if you continue to access the Site after such changes.


Content refers to all text graphics, user interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code, including but not limited to designs, structure, selection, coordination, expression, “look and feel” and arrangement of such content.

No part of the Site can be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way.

You are permitted to print or download extracts from the Site and its pages for your personal non-commercial use only. Any copies made on disk, compact disk and any medium of storage should be for personal use. You may not create a database in electronic or manual form regularly or systematically to download and store all or any part the pages of the Site.

Material Submitted by Users Certain material of the site will contain material submitted by the users of the Site, their views, comments, queries. Harmony accepts no responsibility and shall not be liable for the content, accuracy, conformity to applicable laws of such material.

All information, data, software, sound, music, photographs, video, messages or other materials, whether publicly or privately transmitted or posted or otherwise is the sole responsibility of the person who is the originator of the material.

You may not submit, post or send any material that contains a software virus or any other files that are designed to destroy and/or negatively affect any electronic equipment in connection with the use of the Site or otherwise.

You shall be solely responsible and liable for all the contents that you upload , post or otherwise transmit. Harmony endures to provide a platform for interaction for persons of various communities to interact or exchange views with each other. The contents posted on the site is by general public and accuracy, integrity or quality of such contents cannot be guaranteed. By using such services, you understand that you may be exposed to objectionable matter. You agreed not to upload, lost or transmit any matter which are defamatory, abusive, obscene, invasive of any person’s privacy, hateful, or racially, ethnically or otherwise objectionable.

Any transactions relating to purchase or sale of goods or services not directly offered by Harmony are required to be settled between the parties interse and any matters pertaining to such transactions including the warranties, express or implied or merchantability, fitness for any particular purpose, and non infringement or otherwise are disclaimed by this Site. This Site is not involved in any transaction between the buyers and sellers in any case whatsoever.

Advertising Material

The Site contains advertising material which is submitted to Harmony. This is given by third parties. The advertisers will be responsible for ensuring that the material submitted complies with international and National law. Harmony will not be responsible for any claim, error, omission or inaccuracy in the advertising material. Harmony reserves the right to omit, suspend or change the position of any advertising material submitted for insertion. The material accepted for advertising will be subject to the terms and conditions of Harmony.


Harmony hopes that the readers find the information helpful and easy to use, it provides the information “as it is” and makes no representations or warranties of any kind.

Harmony disclaims liability of any kind whatsoever arising out of the readers use, or inability to use the material contained in it. It does not take responsibility for the views and advise of the columnists featured in it.

The material provided by harmony is not a substitute for professional opinions. Readers are advised to seek appropriate advise from qualified and licensed professionals in the concerned field.

Harmony makes every effort to maintain accuracy of the information but does not accept responsibility for any and disclaims responsibility for any loss or damage which may arise from the information provided. None of the Authors, Contributors, sponsors or anyone connected to Harmony can be liable for any reproduction of the material.


You agree to indemnify and hold Harmony, its officers, directors, shareholders, processors, successors in interest, employees, agents, subsidiaries and affiliates harmless from any demands, loss, liability, claims or expenses made against Harmony by any third party due to arising out of or in connection with your use of Site.

Void Where Prohibited

Harmony is accessible worldwide and is available to all persons or in all geographical locations. If you choose to access the Site outside India, you shall do so at your own initiative and you are solely responsible for complying with the applicable law.

Individual Registration, Access and Exchange of Information

For certain services registration by the visitor is required. By registering, you agree to the following terms and co0nditions, in addition to any other specific terms and conditions, which will be posted at an appropriate location of the Site. Each single individual user shall have a separate registration and to access, services, you will be required to login your user name and password. You would, therefore, not be permitted any of the following:

Any other person sharing your User Name and Password
Any part of the Site being cached in proxy servers and accessed by individuals who have not registered with Harmony as users of the Site.
Single user name and password being made available to multiple users for accessing the site.