Terms of Use Last Updated: May 18, 2024
Jyokti Inc. operates a series of services, products, websites, and mobile applications which reference these Terms of Use (“Terms”), including the Jyokti website (www.jyokti.com), Jyokti Mobile Application, and other affiliated platforms (collectively, the “Platform”).
These Terms are structured to facilitate your access to the terms relevant to your specific use of the Platform, allowing you to easily navigate and understand the provisions applicable to your usage of the Platform. By accessing and using the Platform or anything associated with the Platform, including its content (“Content”), any affiliated website, software, or application owned by Jyokti (collectively, including the Platform and the Content, the “Service(s)”), you are agreeing to the following Terms.
You are not required to register with Jyokti in order to access the Platform. However, you must register with Jyokti if you choose to utilize our Services. To register with our Platform, you must create an account (“Account”) by entering your name, email address, password, and additional information collected by Jyokti (collectively “Account Information”).
This Platform and these Services are not directed at anyone under the age of 18 and do not seek to obtain information from any person under the age of 18. If you are between the ages of 13 and 17, you must obtain parental permission and ensure that they have read and agreed to these terms prior to using this Service. By using this Platform, you are attesting to the fact that you meet these requirements and possess the legal rights and ability to agree to these Terms.
These Terms apply to the Service generally and are subject to any other agreement between you and Jyokti and such terms of use, legal notices, or disclaimers applicable to specific portions of the Service accessed by you.
These Terms were last updated as of the date indicated at the top of these Terms. Jyokti may revise these Terms at any time without notice. Any revision and/or addition to these Terms shall become effective and binding on you when you continue to use the Service on or after the effective date of such revision and/or addition. Know that we will never make changes to these Terms that diminish the protection of your personal information or are inconsistent with applicable law.
Jyokti may monitor your usage of the Service. By accessing and/or utilizing the Service, you agree that Jyokti may disclose any information as may be collected from you by Jyokti or any third party providing services to Jyokti. Jyokti will comply with all laws and regulations which apply to our collection, retention, and use of information pertaining to you, and we shall take all practicable steps to ensure that any information collected from you is protected against unauthorized or accidental access, erasure, or use.
You can view Jyokti’s Privacy Policy at www.jyokti.com/privacy-policy.
In addition to this Platform, Jyokti provides, from time to time, various web and mobile services to its customers and clients. Such web and mobile services may have their own terms and conditions, and your use of such services is subject to any such additional terms and conditions.
As a part of our Service, Jyokti provides Jyokti Digital Tools, which permits you and your family the opportunity to receive the same great Jyokti service that we provide to our clients in the form of a mobile app. In order to provide you with access to the Jyokti Digital Tools, there is certain personal and protected information that the Jyokti Digital Tools will securely access and transmit. This information includes general personal and demographic information, benefits and eligibility information, and other personal or protected information that you may provide to Jyokti via the Jyokti Digital Tools.
We access and use this information only as minimally necessary to provide Jyokti Digital Tools to you. Even if you decide not to use the Jyokti Digital Tools, Jyokti will have access to certain of the above-referenced information in its role as a service provider. We only use or disclose your information as permitted by applicable law and to provide or inform you about Jyokti Services or other services or benefits available to you.
You acknowledge and agree that any telephone calls between you and Jyokti representatives may be recorded and/or monitored for training, quality assurance, or other business purposes. You also agree that we and our third-party service providers may record and use information about your interactions with our Services and your communications with us (including via chat features) for customer service, quality assurance, research, development, and other purposes as described in our Privacy Policy at www.jyokti.com/privacy-policy.
You will not falsely state or otherwise misrepresent your identity or affiliation with another person or entity to obtain access to the Jyokti Digital Tools or to access another person’s information.
Except where expressly authorized by law, e.g., in the case where you are an authorized personal representative for another person, you will not use another person’s access information to access the Jyokti Digital Tools. Violation of this provision may subject you to civil and criminal penalties.
Please consider Jyokti’s provision of the Jyokti Digital Tools to you a privilege and not a right. Jyokti grants you a limited, non-exclusive, non-transferable, revocable license to use the Jyokti Mobile solely for your own personal use and solely in accordance with these Terms. Jyokti may revoke or suspend your access at any time for any reason. You are prohibited from:
If you do any harm by your wrongful actions in using the Jyokti Digital Tools, you agree to pay Jyokti or any other party associated with Jyokti for any losses, damages, or costs resulting from your failure to comply with these Terms.
The Jyokti Digital Tools is designed to work on a variety of mobile devices, including devices running iOS and Android operating systems. The Jyokti Digital Tools may not be compatible with all devices or operating systems, especially older operating systems that have not been regularly updated. Jyokti shall have no responsibility or liability for any non-compatibility, loss of functionality, or degraded performance in the Jyokti Digital Tools due to any particular device or operating system. You are responsible for keeping your device and operating system up to date.
The Jyokti Digital Tools contains functionality for you to create an asynchronous messaging session (e.g., chat) with your Jyokti representative. We try to connect you with your personal Jyokti representative but cannot guarantee that your personal Jyokti representative will always be available at the times you attempt to contact them. If your personal Jyokti representative is not available, you will have the option to leave a message for them to get back to you or connect with another Jyokti representative.
Be courteous. Your Jyokti representative is there to help you. However, Jyokti follows strict anti-harassment and anti-discrimination policies and will not tolerate inappropriate behavior. Your access will be immediately terminated, in our sole and absolute discretion, if you harass, discriminate, threaten, or otherwise engage in any inappropriate behavior during any communication with your Jyokti representative. Subject to applicable law, such behavior may be reported to your employer and you expressly agree to such disclosure.
Jyokti’s typical hours of operation are between 8 a.m. through 8 p.m. Eastern Time. Your Jyokti representative may not be available at all times.
Jyokti prides itself on providing accurate, up-to-date information to you in helping you navigate your needs. However, the content and information contained on and provided through the Jyokti Digital Tools may contain inaccuracies and typographical errors, and is provided on an “as is” basis. Jyokti makes no representations about the suitability, accuracy, completeness, reliability, or timeliness of information, content, or services. If you are dissatisfied with information provided on the Jyokti Digital Tools, please advise Jyokti immediately. Jyokti will not be responsible or liable for any direct, indirect, equitable, consequential, special, or monetary damages resulting from your use of the Jyokti Digital Tools. The use of this information is at your own risk.
Jyokti complies with all laws and regulations which apply to our collection, retention, and use of information pertaining to you, and we shall take all practicable steps to ensure that any information collected from you is protected against unauthorized or accidental access, erasure, or use. All of your personal information and any protected information you provide will be kept private and secure and treated in accordance with applicable privacy and security rules. With respect to your personal information, Jyokti has adopted privacy and security measures that comply with, and in many cases exceed, the standards set forth by applicable privacy and security rules.
You may post information about you and your family members, including minor children for whom you are the legal guardian or personal representative. You are solely responsible for the information that you submit. You agree that Jyokti may access and use this information to provide services to you and your family. All information or content provided by you to Jyokti will be used by Jyokti in accordance with our Privacy Notice. Specifically, know that our communications with you are strictly limited to and for the purpose of providing information to you about the benefits available to you, including the services provided by Jyokti.
Jyokti may monitor your usage of the Jyokti Digital Tools in order to improve quality and to enhance our service to you.
In addition, certain information that Jyokti will collect and use via the Jyokti Digital Tools may constitute Protected Information under applicable privacy laws. Your employer and Jyokti have contracted with various service providers. Some of these service providers provide services that may be of interest to you. We will only contact you about such services if they are part of your plan. We will not contact you about third-party services that are not part of your plan, or permit such third parties to independently market to you.
While Jyokti does not sell your information to any third parties for remuneration and complies with applicable law regarding the disclosure of Protected Information, in order to provide you with the full benefit of Jyokti services and the services that your employer or plan may offer to you, Jyokti may provide certain information, including Protected Information, to such service providers in order to assist you in using such services. Disclosure may also be made as permitted by applicable law for the purpose of operations as permitted by applicable privacy laws. You expressly authorize Jyokti to make such disclosures. Again, rest assured that Jyokti makes such disclosures as permitted by applicable privacy laws and in connection with Jyokti Services and the specific benefits available to you under your plan. We will not provide any information to third parties to enable them to independently market their services to you, which are not part of your plan benefits.
Jyokti, your employer, and your plan and such third-party service providers may want to provide you with relevant products and service offerings that are part of your plan benefits from time to time, and you expressly authorize Jyokti and such entities to use your information to contact you about these products and services. You acknowledge that you are not required to use or purchase any of these products or services.
However, if you do choose to purchase or use such products or services, you may be asked by such service provider to provide additional personal information in order to receive such products or services. Jyokti is not responsible for any information that you choose to provide to such service providers, and you understand that such service providers may not be subject to privacy laws. Jyokti will not disclose any such information to service providers that are not subject to privacy laws unless they abide by specific safeguards and contractual restrictions that protect your privacy.
Your authorization hereunder is voluntary. We will not, and do not have the ability to condition your enrollment in any plan or eligibility for benefits or payment of claims in a plan on your accepting such authorization.
The Content has been prepared solely for information purposes, and your use of the Service does not entitle you to any product or service offered by Jyokti. If your employer or plan is a Jyokti customer, please call your Jyokti representative who will be happy to assist you. The Content contains general information only and does not consider any particular person’s situation. All information, opinions, and estimates expressed on the Content are current as of the date of publication, are subject to change without notice, and may become outdated over time.
The opinions expressed on the Content are non-binding and may not represent the actual terms and conditions of Jyokti services. Statements or opinions on this Content do not constitute professional advice. Contact your professional advisor if you need specific advice.
While Jyokti has endeavored to ensure the accuracy of the information on the Service, Jyokti does not guarantee or give any representation or warranty as to the non-infringement, accuracy, timeliness, or completeness of any information, published third-party content, or material published on the Service. ALL SERVICE INFORMATION IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND. Accordingly, you should not place reliance on Service content. In relation to third-party content, Jyokti may not have independently verified the accuracy or completeness of such information or the assumptions on which such information is based.
THIS CONTENT IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, INCLUDING BUT NOT LIMITED TO REPRESENTATIONS OR WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS (INCLUDING BUT NOT LIMITED TO INTELLECTUAL PROPERTY RIGHTS), TITLE, MERCHANTABILITY, SATISFACTORY QUALITY, OR FITNESS FOR A PARTICULAR PURPOSE. Materials on the Content may be subject to incorrect data transmission or other faults due to the public nature of the Internet. Jyokti may amend, relocate, remove, or delete any such materials from time to time in its sole discretion. Without prejudice to the foregoing, and to the extent permitted by applicable law, Jyokti makes no representations or warranties:
Jyokti accepts no responsibility or liability in relation to such matters. To the extent permitted by applicable law, in no event will Jyokti be liable for the published content of any third party which is available on the Service or any direct, special, indirect, consequential, incidental damages, or any other damages of any kind, including damages caused by gross negligence or willful misconduct arising out of your use of the Service.
YOU UNDERSTAND AND AGREE THAT JYOKTI LIMITS ITS LIABILITY IN CONNECTION WITH YOUR USE OF THE SERVICE AND SHALL NOT BE LIABLE FOR ANY DAMAGES OR LOSS OF ANY KIND, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICE OR ANY OF THE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND USING THE SERVICE AND THE CONTENT.
NOTWITHSTANDING THE ABOVE LIMITATION OF LIABILITY, AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT THE MAXIMUM AMOUNT OF JYOKTI’S LIABILITY, IF ANY, RELATED TO YOUR USE OF THIS SERVICE SHALL BE CAPPED AT ONE-HUNDRED UNITED STATES DOLLARS ($100.00).
Jyokti services are generally available only within the United States and this Service is not directed at persons who may access the Service via the Internet from locations outside the United States.
Jyokti does not represent that any of the materials, opinions, or other content on the Service are appropriate for use or permitted by local laws in all jurisdictions. Those who access the Service do so on their own initiative, and are responsible for compliance with applicable local laws or regulations; legal advice should be sought in cases of doubt. If you are prohibited from accessing websites, such as the Service, from your location, you should not access the Service, and Jyokti takes no responsibility for such prohibited access.
All right, title, and interest in the Service is the exclusive property of Jyokti except as otherwise stated.
You may not copy, reproduce, recompile, decompile, disassemble, reverse engineer, distribute, publish, display, perform, modify, and upload to create derivative works from, create derivative works from, transmit, or in any way exploit any part of the Service.
All trademarks, service marks, trade names, brand features, and logos displayed on this Service are proprietary to Jyokti, except as explicitly noted. Nothing contained on this Service should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Service without the written permission of Jyokti or such other third party that may own the trademark displayed on this Service. Your use of the trademarks displayed on this Service, except as provided in these Terms of Use, is strictly prohibited.
Any unauthorized use of the trademarks, service marks, trade names, brand features, and logos displayed on this Service may violate copyright, trademark, or other intellectual property laws, and the laws of privacy and publicity and communications. If you download any information from this Service, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
Additionally, you may not offer any part of the contents of the Service for sale or distribute such part over any medium, including, but not limited to, distribution by television or radio broadcast, or distribution on a computer network. You may not make any part of the Service available as part of another website, whether by scraping, robotic or web-bot access, hyperlink framing on the Internet or otherwise. The Service and the information, commentary, and materials contained therein may not be used to construct a database of any kind. You shall not store the Service (in its entirety or in any part) in databases for access by you or any third party or distribute any database sites containing all or part of the Service.
Subject to your strict compliance with these Terms of Use, Jyokti grants you a limited, personal, non-exclusive, non-commercial, revocable, non-assignable, and non-transferable license to access, download, view, use the content and information on the Service. You must retain all copyright, trademark, and other proprietary notices contained on the Service. You have no other rights or interests, and you will not permit any improper or unauthorized third-party use or access.
If you believe that any content on the Service contains content that violates your rights or has been copied in a way that constitutes a copyright infringement, please let Jyokti know immediately at the address listed below.
You are prohibited from:
If you do any harm by your wrongful actions in using the Service, you agree to pay Jyokti or any other party associated with Jyokti for any losses, damages, or costs, resulting from your failure to comply with these Terms of Use.
Third-party sites or pages that are linked to the Service are for information purposes only and may not have been reviewed or verified by Jyokti. Jyokti has no responsibility for the content of the third-party sites or pages linked to or from the Service and no affiliation, sponsorship, approval, verification, investigation, monitoring, or endorsement of any such sites or pages or of their content is implied. Following links to or from any other sites or pages shall be at your own risk and Jyokti accepts no responsibility or liability, to the extent permitted by any law, for any losses or penalties whatsoever that may be incurred as a result of any linking to any location on any linked sites or pages.
The Jyokti service enables communication by means of SMS text messages to and from your mobile device, if you elect to receive SMS messages.
You may text TNC to [shortcode] to receive a link to download the mobile app or ask your Jyokti representative to have a link sent to you via SMS. To stop the SMS text service at any time, text STOP to [shortcode]. To receive help information, text HELP to [shortcode] or reply HELP to any message or email: member.support@jyokti.com.
Carriers are not liable for delayed or undelivered messages.
Consent to receive SMS text messages is not required as a condition of registering for or using the Jyokti service. Texts may be sent using an automatic telephone dialing system. Message and data rates may apply. You will receive one message per request. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
The following web browsers are recommended for viewing the Service: Google Chrome, Microsoft Internet Explorer 8.0, or higher.
If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should give effect to the parties’ intentions as reflected in the provision and the other provisions of the Terms of Use shall remain in full force and effect.
If you have any questions, comments, or concerns about the Service or these Terms of Use, please contact us as follows:
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