This Agreement constitutes a binding contract between the user and Phenix Lingual Solutions ("Phenix"), with regard to the access and use of the Website.
1.1 Access of the Website by the User constitutes an acknowledgement and acceptance in full and without any modification and/or exception by the User of this Agreement. If the User does not agree with any part of such terms, conditions and notices as stated in this Agreement in any manner, the User must not access the Website.
1.2 Phenix reserves the right to change the terms, conditions and notices pursuant to which the Website is accessed by the User or the any services ("Services") that are offered through the Website, without any notice or intimation of such change. The User shall be responsible for regularly reviewing the terms and conditions of this Agreement. Changes to this Agreement will be effective when posted and the User agrees to review this Agreement periodically to become aware of any changes.
1.3 The User agrees that this Agreement forms a valid contract between the User and Phenix, and that Phenix may, at its sole discretion, amend any of the Services being provided by it vide the Website and/ or this Agreement either wholly or partially, at any time and without the requirement of any prior notice or consent.
1.4 The User's use of certain Services, features, functionality or programs (including,without limitation, contests, sweepstakes, promotions, wireless marketingopportunities, RSS feeds, etc.) offered on or through the Website may be subject toadditional terms and conditions ("Rules"), and before the User uses any such Services,features, functionality or other programs he would be deemed to have accepted such additional Rules upon the use of such Services or the Website in any manner.
1.6 Phenix reserves the right, in its sole discretion, to terminate the access to the Website and/or any of the Services or any portion thereof at any time, without any prior notice.
1.7 The headings and subheadings herein are included for convenience and identification only and are not intended to describe, interpret, define or limit the scope, extent or intent of this Agreement or the right to use the Website by the User as contained herein or any other section or pages of the Website in any manner whatsoever.
1.8 The headings and subheadings herein are included for convenience and identification only and are not intended to describe, interpret, define or limit the scope, extent or intent of this Agreement or the right to use the Website by the User as contained herein or any other section or pages of the Website in any manner whatsoever.
1.9 The terms and conditions herein shall apply equally to both the singular and plural form of the terms defined. Whenever the context may require, any pronoun shall include the corresponding masculine and feminine. The words "include", "includes" and "including" shall be deemed to be followed by the phrase "without limitation". Unless the context otherwise requires, the terms "herein", "hereof", "hereto", "hereunder" and words of similar import refer to this Agreement as a whole.
2.1 The User agrees that given the nature of the Internet, even though the Website is targeted to Indian residents only, it may be accessed in other parts of the world. If the User is not an Indian resident and yet uses the Website, he acknowledges, understands and agrees that he is doing so on his own initiative and at his own risk and that it is his responsibility (and not Phenix's responsibility) to make sure that his use of the Website complies with all applicable local laws. If the User is not an Indian resident, by using this Website and/or submitting his personally identifiable information or any other information on the Website, he expressly consents to the transfer of such data to India, and to the processing of such data on Phenix's Indian servers, where his data will be governed by Indian laws that may provide a level of data protection different than his country.
2.2 The User agrees and undertakes not to sell, trade or resell or exploit for any commercial purposes, any portion of the Services. For the removal of doubt, it is clarified that the Services, including the use of the Website, is not for commercial use but is specifically meant for personal use only of the User.
2.3 The User further agrees and undertakes not to reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, services or intellectual property obtained from the Website in any manner whatsoever. Limited reproduction and copying of the content of the Website is permitted provided that the prior written consent of Phenix has been obtained. For the removal of doubt, it is clarified that unlimited or wholesale reproduction, copying of the content for commercial or non-commercial purposes and unwarranted modification of data and information within the content of the Website is strictly not permitted.
3.1 Phenix has endeavored to ensure that all the information provided by it on this Website is correct, but Phenix neither warrants nor makes any representations regarding the quality, accuracy or completeness of any data or information displayed on this Website. Phenix makes no warranty, express or implied, concerning the Website and/or its contents and disclaims all warranties of fitness for a particular purpose and warranties of merchantability in respect of information displayed and communicated through or on the Website, including any liability, responsibility or any other claim, whatsoever, in respect of any loss, whether direct or consequential, to any User or any other person, arising out of or from the use of any such information as is displayed or communicated through or on the Website or the provision of the Services.
3.2 Although Phenix makes commercial efforts, reasonable or otherwise to ensure that the description and content of the information displayed or communicated to the User on each page of the Website is correct, it does not, however, take responsibility for changes that may have occurred due to human or data entry errors or for any loss or damages suffered by any User due to any such changed information.
3.3 Also, as Phenix is only the information provider, and it cannot therefore control or prevent changes in the published descriptions or oral representations, which are always based upon information provided by third parties and shall not be liable in any manner for any content that such third party would provide. All Users are cautioned to conduct their own due diligence and seek separate and specific legal and other advise prior to make any decisions or investments based on the information provided on the Website.
3.4 Phenix does not endorse any advertiser on its Website in any manner. The Users are requested to verify the accuracy of all information on their own before undertaking any reliance on such information.
3.5 In no event shall Phenix be liable for any direct, indirect, punitive, incidental, special, consequential damages or any other damages resulting from: (a) the use or the inability to use the Services; (b) the cost of procurement of services substitute to the Services; (c) unauthorized access to or alteration of the User's transmissions or data; (d) any other matter relating to the Services; including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with availing of the Services through the Website.
3.6 Neither shall Phenix be responsible for the delay or inability to use the Website or the Services, the provision of or failure to provide the Services, or for any information, software, products, services and related graphics obtained from Phenix through the Website, whether based on contract, tort, negligence, strict liability or otherwise. Further, Phenix shall not be held responsible for non-availability of the Website during periodic maintenance operations or any unplanned suspension of access to the Website and/ or the Services that may occur due to technical reasons or for any other reason whatsoever. The User understands and agrees that any material and/or data downloaded or otherwise obtained from Phenix through the Website is done entirely at his discretion and risk and he will be solely responsible for any damage to his computer systems or any other loss that results from such material and/or data.
3.7 These limitations, disclaimer of warranties and exclusions apply without regard to whether the damages arise from (a) breach of contract, (b) breach of warranty, (c) negligence, or (d) any other cause of action, to the extent such exclusion and limitations are not prohibited by applicable law.
4.1 Subject the sub- clause below, if any amount is payable by the User to Phenix for the use of any Services at any given point in time, in the event a request made by the User is not a valid request, or if it is rejected by Phenix for any reasons whatsoever, the User agrees to pay to Phenix processing charges and Phenix shall refund to User such amounts as may be decided by Phenix in its sole discretion from time to time.
4.2 Any refund or charge back shall be made in accordance with the terms and conditions of the relevant service provider providing the payment gateway and other related services.
5.1 The Website may contain links to other websites or may contain features of any nature of other websites on the Website ("Linked Sites"). The Linked Sites are not under the control of Phenix or the Website and Phenix is not responsible for the contents of any Linked Site, including without limitation any link or advertisement contained in a Linked Site, or any changes or updates to a Linked Site. Phenix is not responsible for any form of transmission, whatsoever, received by the User from any Linked Site. Phenix is providing these links to the User only as a convenience, and the inclusion of any link does not imply endorsement of any nature by Phenix or the Website of the Linked Sites or any association with its operators or owners including the legal heirs or assigns thereof.
5.2 Phenix is not responsible for any errors, inclusions, omissions or representations on any Linked Site, or on any link contained in a Linked Site. Phenix does not endorse any advertiser on any Linked Site or on any link contained in a Linked Site, in any manner. The User is requested to verify the accuracy of all information on his own before undertaking any reliance on such information.
6.1 The Website may contain services such as email, chat, bulletin board services, news groups, forums, communities, personal web pages, calendars, and/or other message (hereinafter collectively referred to as "Communication Services"). The User agrees and undertakes to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, the User agrees and undertakes that when using a Communication Service, the User will not:
6.1.1 defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of others;
6.1.2 publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information;
6.1.3 upload files that contain software or other material protected by intellectual property laws unless the User owns or controls the rights thereto or has received all necessary consents;
6.1.4 upload or distribute files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of the Website or another's computer;
6.1.5 advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages:
I. conduct or forward surveys, contests, pyramid schemes or chain letters;
II. download any file posted by another user of a Communication Service that the User knows, or reasonably should know, cannot be legally distributed in such manner;
III. falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded;
IV. violate any code of conduct or other guidelines, which may be applicable for or to any particular Communication Service;
V. violate any applicable laws or regulations for the time being in force in or outside India; and
VI. violate any of the terms and conditions of this Agreement or any other terms and conditions for the use of the Website contained elsewhere herein.
6.2 Phenix is not responsible for any errors, inclusions, omissions or representations on any Linked Site, or on any link contained in a Linked Site. Phenix does not endorse any advertiser on any Linked Site or on any link contained in a Linked Site, in any manner. The User is requested to verify the accuracy of all information on his own before undertaking any reliance on such information.
6.3 Phenix reserves the right at all times to disclose any information as is necessary to satisfy or comply with any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Phenix’s sole discretion.
6.4 Phenix does not control or endorse the content, messages or information found in any Communication Service and, therefore, Phenix specifically disclaims any liability or responsibility whatsoever with regard to the Communication Services and any actions resulting from the User's participation in any Communication Service.
6.5 When you register with the Website, Phenix or any of its partners/ affiliate/ group companies may contact you from time to time to provide the offers/ information of such products/ services that they believe may benefit you.
7.1 The User's rights under any one or more of the Licenses set forth above are conditioned upon compliance with each of the following:
7.1.1 the User will not create or Submit (as defined below) anything that is unlawful, pornographic, obscene, defamatory, libelous, threatening, discriminatory, harassing, bullying, vulgar, indecent, profane, hateful, racially, culturally or ethnically offensive, or that encourages criminal conduct, or that gives rise, or potentially gives rise, to civil or criminal liability, or that violates any applicable laws, rules, regulations or Government of India's guidelines ("Applicable Laws"), or that infringes or violates other parties' intellectual property rights or links to infringing or unauthorized content;
7.1.2 the User will not embed, re-publish, maintain and/or display any Website content on any web site or other Internet location that ordinarily (i) contains or hosts content that is unlawful, pornographic, obscene, defamatory, libelous, threatening, discriminatory, harassing, bullying, vulgar, indecent, profane, hateful, racially, culturally or ethnically offensive, or that encourages criminal conduct, or that gives rise, or potentially gives rise, to civil or criminal liability, or that violates any Applicable Laws, or that infringes or violates other parties' intellectual property rights or links to infringing or unauthorized content;
7.1.3 the User will not send spam, chain letters, or any other unsolicited or unauthorized advertising or promotional materials, or to harass, bully, stalk, harm, or otherwise cause mental or physical distress or injury to anyone, or to defame or disparage someone, or for any other unlawful or objectionable (as determined by Phenix) purpose;
7.1.4 the User will not provide false information about him or anyone else (including, without limitation, if and when the User are being asked on the Website to provide accurate information about the User's age), and the User will not impersonate or appear to impersonate anyone else or otherwise misrepresent the User's affiliation with any person or entity;
7.1.5 the User will not use any one or more of the Licenses (and any associated functionality) to collect, obtain, compile, gather, transmit, reproduce, delete, revise, view, display, forward, any material or information, whether personally identifiable or not, posted by or concerning any other user of the Website, unless the User would have obtained prior permission from such user to do so;
7.1.6 the User will not interfere with or disrupt, or attempt to interfere with or disrupt, the operation of the Website (or any parts thereof);
7.1.7 the User will abide by all copyright notices, information, restrictions contained in or associated with any of the Website content;
7.1.8 the User will not remove, alter, interfere with or circumvent any of copyright, trademark, watermark, or other proprietary notices marked/displayed on Website content;
7.1.9 the User will not remove, alter, interfere with or circumvent any digital rights management mechanism, device or other content protection or access control measure (including, without limitation geofiltering and/or encryption) associated with Website content;
7.1.10 the User will not use any of the rights granted to him or any of the Website content in a manner that suggests an association with any of Phenix's products, Services or brands, unless otherwise specifically permitted by Phenix;
7.1.11 the User will not use bots, spiders, offline readers or other automated systems to access or use the Website in a manner that sends more request messages to the Website's servers in a given period of time than a human can reasonably produce in the same period by using a conventional Web browser, unless the User is a lawfully operating a public search engine, in which case, the User may use spiders to index materials from the Website for the sole purpose of creating publicly available searchable indices (but not caches or archives) of such materials;
7.1.12 the User will not knowingly transmit any material that contains adware, malware, spyware, software viruses, timebombs, cancelbots, worms, trojan horses, or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;
7.1.13 the User will not do anything that is likely to adversely affect or reflect negatively upon or harm the goodwill or reputation of Phenix or any of its affiliates, or the Website , or any of the content running or being promoted on the Website (including, without limitation, any movie, television program or other initiative);
7.1.14 the User will not do anything on the Website that would prevent other users' access to or use of the Website or any part thereof; and
7.1.15 the User will use the Website and the Licenses at all times in compliance with this Agreement and all Applicable Laws.
7.2 Phenix is not responsible for any errors, inclusions, omissions or representations on any Linked Site, or on any link contained in a Linked Site. Phenix does not endorse any advertiser on any Linked Site or on any link contained in a Linked Site, in any manner. The User is requested to verify the accuracy of all information on his own before undertaking any reliance on such information.
7.3 The User and/or the advertising agency or agent of the User represents and warrants that it has the power and authority to execute, deliver and perform its obligations under this Agreement and all necessary corporate, shareholder and/or other actions have been taken by it to authorize such execution, delivery and performance, and that this Agreement constitutes its legal, valid and binding obligation, enforceable in accordance with its terms. The execution, delivery and performance of its obligations under this Agreement does not and will not contravene any laws, regulation or order of any authority or other official body or agency or any judgment or decree of any court having jurisdiction over it or conflict with or result in any breach or default under any document binding upon it.
7.4 The User represents and confirms that the User is of legal age to enter into a binding contract and is not a person barred from accessing and using the Website and availing the Services under the laws of India or other applicable law.
7.5 The User acknowledges and agrees that:
7.5.1 as between User on one hand, and Phenix and its Affiliates on the other, Phenix or the Affiliates own all right, title and interest in Phenix RED and Phenix Brand Features;
7.5.2 nothing in this Agreement shall confer in the User any license or right of ownership in Phenix Brand Features and/or the Website or its contents.
7.6 To avail a Service through the Website, the User has and must continue to maintain at his sole cost:
7.6.1 all the necessary equipments including a computer and modem etc. to access the Website and/or avail the Services;
7.6.2 own access to the World Wide Web. The User shall be responsible for accessing the Website and/or availing the Services which may involve third party fees including, airtime charges or internet service provider's charges which are to be exclusively borne by the User;
7.6.3 The User also understands that the Services may include certain communications from Phenix as service announcements and administrative messages. The User understands and agrees that the Services are provided on an "as-is-where-is" basis and that Phenix does not assume any responsibility for deletions, mis-delivery or failure to store any User communications or personalized settings.
8.1 The Parties hereby agree to keep the data information and terms of the contract ("Confidential Information") confidential and shall not disclose the same without the consent of the other Party.
8.2 The Parties shall not be liable for breach of the above clause when the Confidential Information is disclosed in pursuant to an order of any court or government authority and/or, in performance of this contract by Phenix and/or when the parties independently obtain from third party.
8.3 The User also agrees to:
8.3.1 provide true, accurate and complete information about himself and his beneficiaries as prompted by the registration form if any ("Registration Data") on the Website; and
8.3.2 maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If the User provides any information that is untrue, inaccurate, not current or incomplete or Phenix has reasonable grounds to suspect that the Registration Data or any part thereof is untrue, inaccurate, not current or incomplete, Phenix has the right to suspend or terminate the User's registration and refuse any and all current or future use of the Website and/or any of the Phenix Services.
9.1 the User is in breach of this Agreement and/or the documents it incorporates by reference;
9.2 The Parties hereby agree to keep the data information and terms of the contract ("Confidential Information") confidential and shall not disclose the same without the consent of the other Party.
9.3 Phenix believes that the User's actions may infringe on any third party rights or breach any applicable law or otherwise result in any liability for the User, other Users of the Website and Phenix.
9.4 Phenix may at any time in its sole discretion reinstate suspended Users. Once the User has been indefinitely suspended the User may not register or attempt to register with Phenix or use the Website in any manner whatsoever until such time that the User is reinstated by Phenix. Notwithstanding the foregoing, if the User breaches this Agreement or the documents it incorporates by reference, Phenix reserves the right to recover any amounts due and owing by the User to Phenix and to take strict legal action as Phenix deems necessary.
10.1 Subject to the terms of this Agreement, Phenix hereby grants to the User, if and only to the extent the necessary functionality is provided to the User on or through the Website, the following limited, revocable, non-exclusive, non-transferable, non-assignable, worldwide, royalty-free rights and licenses (each a "License"):
10.1.1 the License to access, view and otherwise use the Portal (including, without limitation any information or Services provided on or through the Portal) for your personal, lawful use only, as intended through the normal functionality of the Portal;
10.1.2 if the Website includes a "Send to Friend" tool that allows the User to initiate and send to one of his friends an email communication that includes Website content, and the tool is operational, the License to use the tool to request that the Website's servers convey his message to his friend;
10.1.3 the License to obtain a registered personal account (and related username and password) on the Website and interact with other Website users as part of Website-based chat rooms, message boards, social media networks, online multiplayer games and/or other similar activities;
10.1.4 the License to use any other functionality expressly provided by Phenix on or through the Website for use by users, subject to this Agreement.
10.2 The content of the Website and all copyrights, patents, trademarks, service marks, trade names and all other intellectual property rights therein are owned by Phenix and/or its licensors and are protected by applicable Indian and international copyright and other intellectual property law. The User acknowledges, understands and agrees that he shall not have, nor be entitled to claim, any rights in and to the Website content and/or any portion thereof.
10.3 Phenix may provide the User with content including information, sound, photographs, graphics, video or other material through the Website. This material may be protected by copyrights, trademarks or other intellectual property rights and laws. The User may use this material only as expressly authorized by Phenix and shall not copy, transmit or create derivative works of such material without express authorization from Phenix.
10.4 The User acknowledges and agrees that he shall not upload, post, reproduce or distribute any content on or through the Website that is protected by copyright or other proprietary right of a third party, without obtaining the permission of the owner of such right. Any copyrighted or other proprietary content distributed on or through the Website with the consent of the owner must contain the appropriate copyright or other proprietary rights notice. The unauthorized submission or distribution of copyrighted or other proprietary content is illegal and could subject the User to personal liability or criminal prosecution.
10.5 The User agrees not to copy, reproduce, duplicate, stream, capture, access through technology or means other than those provided on the Website, perform, transfer, sell, resell, download, upload, archive, license to others, edit, modify, manipulate, create derivative works from or based upon (including, without limitation, mash-ups, montages, wallpapers, ringtones, greeting cards, or other merchandise), publish, republish, post, transmit, publicly display, frame, link from or to, distribute, share, embed, translate, decompile, reverse engineer, translate, incorporate into any hardware or software application, use for commercial purposes, or otherwise use or exploit the Website or any component part thereof. Any of the unauthorized uses referred to above would constitute an infringement of the copyrights and other proprietary rights of Phenix and/or its licensors (including, without limitation, other Website users who have submitted their own information) and a violation of this Agreement and may subject you to civil and/or criminal liability under applicable laws.
11.1 The User understands and expressly agrees that to the extent permitted under applicable laws, in no event will Phenix or any of its affiliates or group companies or any of their respective officers, employees, directors, shareholders, agents, or licensors be liable to you or anyone else under any theory of liability (whether in contract, tort, statutory, or otherwise) for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of revenues, profits, goodwill, use, data or other intangible losses (even if such parties were advised of, knew of or should have known of the possibility of such damages), resulting from the Users use (or the use of anyone using an account registered to the User) of the website or any parts thereof.
11.2 Notwithstanding anything to the contrary herein, the user hereby irrevocably waives any right or remedy to seek and/or obtain injunctive or other equitable relief or any order with respect to, and/or to enjoin or restrain or otherwise impair in any manner, the production, distribution, exhibition or other exploitation of any Phenix or any of its affiliate or group company related project, or the use, publication or dissemination of any advertising in connection with such project.
12.1 None of the provisions of this Agreement, terms and conditions, notices or the right to use the Website by the User contained herein or any other section or pages of the Website and/or the Linked Sites, shall be deemed to constitute a partnership between the User and Phenix and no party shall have any authority to bind or shall be deemed to be the agent of the other in any way. It may be noted, however, that if by using the Website, the User authorizes Phenix and its agents to access third party sites designated by them or on their behalf for retrieving requested information, the User shall be deemed to have appointed Phenix and its agents as their agent for this purpose.
12.2 None of the provisions of this Agreement, terms and conditions, notices or the information displayed on the Website contained herein or any other section or pages of the Website and/or the Linked Sites or the Services provided by Phenix, shall be deemed to constitute a partnership between the Phenix and any other person or company or entity and no party shall have any authority to bind or shall be deemed to be the agent of the other in any way.
15.1 Either the User or Phenix may terminate this Agreement and any of the Services with or without cause at any time to be effective immediately.
15.2 The User agrees that Phenix may under certain circumstances and without prior notice, immediately terminate the User's user id and access to the Website/ Phenix Services. Causes for termination may include, but shall not be limited to, breach by the User of this Agreement, requests by enforcement or government agencies, requests by the User.
15.3 This Agreement may be terminated by either the User or Phenix through a written notice to the other. Phenix shall not be liable to the User or any third party for termination of any Phenix Service. Should the User object to any terms and conditions of this Agreement or become dissatisfied with any Phenix Service in any way, the User's only recourse is to immediately:
15.3.1 discontinue use of the Website/ Service; and
15.3.2 notify Phenix of such discontinuance.
15.4 Upon termination of this Agreement, the User's right to use the Website/ Services and software shall immediately cease. The User shall have no right and Phenix shall have no obligation thereafter to execute any of the User's uncompleted tasks or forward any unread or unsent messages to the User or any third party. Once the User's registration or the Services are terminated, cancelled or suspended, any data that the User has stored on the Website may not be retrieved later.
16.1 All notices and communications from the User to Phenix in relation to the Website and/or any of the Services (including those termination of any of the Services etc.) shall be in writing, in English and shall deemed given if delivered personally or by commercial messenger or courier service, or mailed by registered or certified mail (return receipt requested) or sent via email/facsimile (with acknowledgment of complete transmission) to the following address: C-1002, Blue Meadows CHS, Shyam Nagar, Jogeshwari East, Mumbai – 400060, Maharashtra, India and/or at the address posted on the Website.
16.2 Notice shall be deemed to have been served 48 hours after it has been sent, dispatched, displayed, as the case may be, unless, where notice has been sent by email, it comes to the knowledge of the sending party, that the email address is invalid.
17.1 Phenix shall not be liable for any failure to perform any of its obligations under this Agreement or provide the Services or any part thereof if the performance is prevented, hindered or delayed by a Force Majeure Event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure Event continues. "Force Majeure Event" means any event due to any cause beyond the reasonable control of any Party, including, without limitation, unavailability of any communication system, breach or virus in the systems, fire, flood, explosion, acts of God, civil commotion, riots, insurrection, war, acts of government.
18.1 This Agreement shall be governed by and constructed in accordance with the laws of India without reference to conflict of laws principles. In the event any dispute in relation hereto is brought by the User, it shall be subject to the exclusive jurisdiction of the courts of Mumbai, however in the event any dispute in relation hereto is brought by Phenix, it shall be subject to the exclusive jurisdiction of the courts of Mumbai. "Force Majeure Event" means any event due to any cause beyond the reasonable control of any Party, including, without limitation, unavailability of any communication system, breach or virus in the systems, fire, flood, explosion, acts of God, civil commotion, riots, insurrection, war, acts of government.