Terms of Use & Disclaimers

1.About HARI-OM, Inc.

HARI-OM, Inc. ("we," "us," "our," "HARI-OM") is a Delaware nonprofit corporation (File #10057904) recognized as a 501(c)(3) tax-exempt organization (EIN 37-2169652). Our acronym stands for Hindu Association for Religious Initiatives — Outreach Mission. Our mission is to preserve Hindu traditions, foster community, and provide educational and charitable programs to Delaware families of all backgrounds.

2.What HARI-OM is NOT — no professional advice

HARI-OM, Inc. is not:

• A law firm or legal services provider. We do not provide legal advice.
• A financial advisor, investment advisor, or broker-dealer. We do not provide investment, tax, retirement, or financial advice.
• A real estate brokerage or firm. We do not list, buy, or sell properties.
• An insurance agency. We do not sell insurance products or provide individualized insurance advice.
• A medical, psychological, or mental health provider.
• A religious authority empowered to issue binding decrees, divorces, or certifications.

Although some board members, officers, and volunteers may hold professional licenses in their personal capacities (e.g., as realtors, insurance producers, or other professionals), nothing on this website or in our programs constitutes professional services from those individuals. Professional services must be arranged separately, outside of HARI-OM, directly with the licensed professional.

3.General educational purpose only

All content on this website, in our workshops, in our classes, and in our communications is provided for general educational and community-building purposes only. It is not professional advice and you should not rely on it as such. You are responsible for verifying information and for seeking qualified professional advice for your specific situation. We make no representations or warranties regarding accuracy, completeness, currency, or suitability of any information provided.

Information is provided "AS IS" without warranty of any kind.

4.Free Will service disclaimer

HARI-OM does not draft wills, review wills, or provide legal advice regarding estate planning. We maintain a curated list of free third-party will-creation services (FreeWill.com, DoYourOwnWill.com, Fabric by Gerber Life) as a convenience to our community.

HARI-OM:

• Does not endorse, vouch for, or guarantee the work of any third-party service
• Does not receive compensation, commissions, or referral fees from any service
• Is not responsible for any will, directive, power of attorney, or other legal document created through these services
• Is not responsible for errors, omissions, or legal deficiencies in documents you create
• Is not responsible if a will, once signed, is challenged, contested, or fails to achieve your intended purpose

For complex estates — including blended families, property in multiple states, closely-held business interests, special-needs beneficiaries, high-value assets, or unusual family circumstances — we strongly recommend consulting a licensed Delaware attorney. You may find Delaware estate-planning attorneys through the Delaware State Bar Association at dsba.org/find-a-lawyer.

5.Homebuyer education workshops disclaimer

Any homebuyer education workshops we offer are general educational sessions only.

HARI-OM:

• Does not recommend specific realtors, lenders, mortgage brokers, title companies, inspectors, or attorneys
• Does not refer attendees to any particular real estate professional
• Does not receive referral fees, commissions, or other compensation from any real estate transaction involving an attendee
• Does not provide individualized real estate advice or analyze specific properties
• Does not verify the currency or accuracy of general market information discussed
• Does not guarantee outcomes of any home purchase decision

Real estate markets, laws, and lender policies change frequently. Information discussed in workshops is general education as of the workshop date and may become outdated. For personal real estate decisions, consult your own licensed real estate professional, lender, attorney, and inspector of your own choosing.

6.Financial literacy classes disclaimer

Any financial literacy classes we offer (including topics such as retirement accounts, insurance concepts, budgeting, and general financial planning) are general educational sessions only.

HARI-OM:

• Does not sell insurance, securities, annuities, or investment products
• Does not provide individualized financial, tax, investment, retirement, or insurance advice
• Does not recommend specific financial products, funds, or strategies for any attendee
• Does not receive commissions, referral fees, or compensation from financial products discussed
• Does not endorse any specific financial institution, advisor, or provider

For personal financial decisions, consult a licensed Certified Financial Planner (CFP®), Certified Public Accountant (CPA), registered investment advisor, insurance broker, or tax professional of your own choosing.

7.Vendor resource list disclaimer

Any community vendor resource list we maintain (e.g., listings of photographers, decorators, caterers, or other service providers used by community members) is a bulletin-board convenience only.

HARI-OM:

• Does not endorse, vet, investigate, or vouch for any vendor listed
• Does not verify licenses, insurance coverage, references, or quality of work
• Does not conduct background checks on listed vendors
• Does not receive compensation from vendors for inclusion or referral
• Inclusion in any list does NOT constitute a recommendation or endorsement

You are solely responsible for your own due diligence before hiring any vendor, including verifying licenses, insurance, references, and reviews. Any dispute with a listed vendor is solely between you and the vendor. HARI-OM is not a party to and bears no responsibility for any transaction, agreement, or dispute involving listed vendors.

8.Religious content disclaimer

Religious texts and teachings presented on our website and in our programs reflect traditional Hindu sources including the Bhagavad Gita, Upanishads, and related scriptures. Translations and interpretations provided are for educational purposes and may not reflect all scholarly, sectarian, or interpretive traditions within Hinduism.

HARI-OM does not claim religious authority, issue binding religious pronouncements, or represent any specific sampradaya (tradition), guru lineage, or sectarian position. We respect the diversity of Hindu practice and welcome respectful discussion.

9.Events, programs & schedule changes

All events, programs, classes, schedules, dates, times, and locations are subject to change or cancellation without notice.

• Listed calendar dates (including festival dates set by lunar calendar) are planning targets, not firm commitments
• Our calendar reflects tentative plans for our founding years (2026–2027) and may be substantially revised
• Hindu festival dates vary year to year and should be verified with a qualified pandit before making arrangements
• Confirm current schedule with us before traveling, arranging childcare, or incurring other costs

HARI-OM is not liable for any costs you incur (including travel, lodging, childcare, or missed work) based on scheduled events that are later changed, postponed, relocated, or canceled.

10.Assumption of risk at events

Attendance at HARI-OM events, programs, and facilities is at your own risk. You voluntarily assume all risks associated with attendance, including but not limited to:

• Travel to and from the facility
• Slips, falls, and other physical injuries on premises
• Food allergies, food sensitivities, and adverse reactions (community meals)
• Illness or infection transmission (pre-, during, or post-event)
• Interactions with other attendees, volunteers, or vendors
• Property damage or loss of personal items
• Weather-related conditions for outdoor events

Parents and guardians assume these risks on behalf of minor children.

We encourage all attendees to take common-sense precautions: dress appropriately for the activity, disclose food allergies to the event coordinator, supervise your children at all times, and notify us in advance of specific accessibility or medical needs.

11.Photography & media release

By attending HARI-OM events, programs, or activities, you consent to being photographed, videotaped, or audio-recorded for HARI-OM's use in:

• Our website and social media channels
• Community newsletters and email communications
• Annual reports and fundraising materials
• Grant applications and required regulatory filings
• Press releases and external publications

You grant HARI-OM a perpetual, royalty-free, worldwide, non-exclusive license to use such media without compensation, notice, or additional consent.

If you do not wish to be photographed, please notify the event coordinator upon arrival. We will make reasonable efforts to exclude you from media, but make no guarantee in large or candid settings.

Parents who do not want their children photographed must affirmatively notify us at each event. Absent such notice, photography of children in group settings is assumed to be permitted.

12.Children's programs

For in-person programs involving minors (including children's dharma classes, youth activities, and teen volunteer programs):

• Parental or guardian consent is required for enrollment
• We make reasonable efforts to screen and supervise volunteers working with children
• Parents are responsible for their children's conduct, safety, arrival, departure, and supervision during breaks
• Children remain under parental legal responsibility at all times
• HARI-OM is not a substitute for parental supervision or a licensed childcare provider
• HARI-OM does not provide transportation for children
• We do not administer medication to children; parents must handle any medical needs directly

Parents should satisfy themselves about our programs, volunteers, and premises before enrolling children.

13.External links

Our website links to external websites including government agencies, will-creation services, educational resources, and reference sites. HARI-OM has no control over and accepts no responsibility for the content, accuracy, privacy practices, security, availability, or operation of external sites. External links do not constitute endorsement of linked content or services.

14.User-submitted content

If you submit content to us — including emails, contact form messages, event testimonials, photographs, videos, or comments — you grant HARI-OM a non-exclusive, royalty-free, worldwide, perpetual license to use, reproduce, edit, adapt, distribute, and display that content in connection with our nonprofit mission.

You represent and warrant that:

• You have the legal right to submit the content
• The content does not violate any third party's rights (including copyright, privacy, or publicity rights)
• The content is accurate and not misleading
• You are at least 18 years old, or the content was submitted with parental consent

15.Intellectual property

The "HARI-OM" name, logos, website design, and original content (including educational materials, photographs taken by HARI-OM, and written articles) are owned by HARI-OM, Inc. or used with permission, and are protected by United States and international intellectual property law.

• Permitted: You may share links to our website freely. You may quote small portions of our educational content with proper attribution for non-commercial community, educational, or journalistic use.
• Not permitted: You may not use our name, logos, or materials to imply affiliation, endorsement, or sponsorship without our written permission. You may not reproduce substantial portions of our materials for commercial use. You may not use our name to solicit donations or members.

16.Nondiscrimination

HARI-OM, Inc. welcomes all people regardless of race, color, national origin, ethnicity, religious background, sex, gender identity, sexual orientation, age, marital status, disability, or veteran status. We are rooted in Hindu tradition and open to everyone who wishes to participate respectfully.

17.Prohibited uses

You agree not to:

• Use the website or our programs for any unlawful purpose
• Attempt to gain unauthorized access to our systems, data, or accounts
• Misrepresent yourself or your affiliation with HARI-OM
• Use our name, logos, or materials to solicit funds or members for any other organization
• Harass, abuse, threaten, or intimidate other community members, volunteers, or staff
• Introduce malware, viruses, or other malicious code
• Scrape, data-mine, or systematically extract information from our website
• Use our platform for commercial solicitation, political campaigning, or proselytizing contrary to our religious mission

We reserve the right to ban from programs and events anyone who violates these Terms or behaves in a manner we reasonably determine threatens community safety or mission.

18.Donations & refunds

Online donations are not yet enabled. When online giving becomes available:

• Donations to HARI-OM, Inc. are generally tax-deductible to the extent allowed by federal tax law; consult your tax advisor for your specific situation
• Donations are generally non-refundable
• Refund requests based on error (wrong amount, duplicate transaction) must be made within 15 days of the donation in writing to info@thehariom.org
• We are not responsible for donations made to other organizations with similar names; verify you are giving to HARI-OM, Inc., EIN 37-2169652
• Recurring donations may be canceled at any time by contacting us

19.Limitation of liability

To the fullest extent permitted by law:

• HARI-OM, its board members, officers, volunteers, and agents shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the website, reliance on information, attendance at programs, or participation in any activity
• This includes damages for lost profits, lost data, lost opportunities, emotional distress, or reputational harm
• Our total aggregate liability for any claim, whether in contract, tort, or otherwise, shall not exceed the amount you paid to HARI-OM in the twelve months preceding the claim (which for free programs is zero dollars)
• You agree that these limitations are reasonable and a material part of the bargain

Some jurisdictions do not permit limitation of certain damages; in such cases our liability is limited to the minimum permitted by applicable law.

20.Indemnification

You agree to indemnify, defend, and hold harmless HARI-OM, Inc., its board members, officers, volunteers, agents, and successors from any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your violation of these Terms
• Your misuse of our website, programs, facilities, or materials
• Your infringement of any third party's rights
• Your violation of any law or regulation
• Content you submit to us

21.Governing law & venue

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict-of-laws principles. Any dispute arising under or related to these Terms, our website, or our programs shall be resolved exclusively in the state or federal courts located in New Castle County, Delaware, and you consent to personal jurisdiction in those courts.

22.Dispute resolution — good-faith first

Before filing any formal action, you agree to contact us directly to attempt resolution. Email info@thehariom.org with the subject "Dispute Resolution Request" describing your concern. We commit to responding within 30 days and attempting in good faith to resolve the matter. This good-faith outreach is a required first step before any legal proceedings.

23.Severability, no waiver & entire agreement

Severability: If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, the remaining provisions continue in full force and effect.

No waiver: Our failure to enforce any provision on any occasion is not a waiver of our right to enforce it on future occasions.

Entire agreement: These Terms, together with our Privacy Policy and any event-specific waivers you sign, constitute the entire agreement between you and HARI-OM regarding your use of our website and participation in our programs.

24.Changes to these Terms

We may update these Terms from time to time. Material changes will be posted here with an updated "Last updated" date. For significant changes, we will attempt to notify known contacts directly. Your continued use of our website or participation in programs after changes constitutes acceptance of the updated Terms. If you do not agree to updated Terms, discontinue use.

25.Contact

Questions about these Terms?

HARI-OM, Inc.
640 Lewes Landing Rd
Middletown, DE 19709
Email: info@thehariom.org
Phone: (703) 310-8362

See also our Privacy Policy for information about how we collect, use, and protect your personal information.