Monday 16 June 2014

AGREEMENTS OPPOSED TO PUBLIC POLICY : A GENERAL ASPECT

AGREEMENTS OPPOSED TO PUBLIC POLICY

INTRODUCTION

"Public Policy is an unruly horse, and when you get astride it you never know where it will carry you."[1]
The term ‘public policy’ is not capable of being defined with any degree of precision because ‘public policy’, in its nature, is highly uncertain and fluctuating. It keeps on varying with the habits and fashions of the day, with the growth of commerce and usage of trade. In simple words, it may be said that an agreement which conflicts with morals of the time and contravenes any established interest of society, it is void as being against public policy. Thus, an agreement which tends to be injurious to the public or against the public good is void as being opposed to public. According to F. Pollock, “Agreements may offend against the public policy, or tend to the prejudice of the State in time of war (trading with the enemies, etc.), by tending to the perversion or abuse of municipal justice, (stifling prosecution, champerty, maintenance) or in private life by attempting to impose inconvenient and unreasonable restrictions on the free choice of individuals in marriage or their liberty to exercise any lawful trading or calling.”
Illegality is a highly complex area of contract law. It deals with both criminal conduct, conduct prohibited by statute (even if not criminal) and conduct regarded as contrary to public policy. In some cases it will be simple to determine whether or not an illegal contract exists and will be rendered void; for example, a contract whereby A agrees to pay B 1million dollar  if B kills C will be clearly be considered illegal and void. In other cases it will be more difficult. For example, will a transport contract be rendered illegal if the car used in the transport speeds while on its journey? In some cases a contract tainted by incidental illegality might be considered unenforceable rather than void so that proprietary interests might pass notwithstanding the unlawful conduct.
Statutory illegality - this encompasses contracts directly prohibited by statute (eg, cartel contracts), contracts entered into for an illegal purpose (eg, to kill), contracts performed illegality (eg, speeding whilst driving in the course of performing a contract) and contracts otherwise made void by statute (eg, certain unfair terms in consumer contracts). Different rules and consequences attach to each.
Common law illegality and contracts which are contrary to public policy - this encompasses a broader range of conduct, including contracts prejudicial to the administration of justice, contracts promoting corruption in public life, contracts prejudicing the status of marriage, contracts promoting sexual immorality and contracts in restraint of trade. It is not always easy to classify these types of contract and what constitutes conduct that is contrary to 'public policy' varies with the prevailing morality of the relevant jurisdiction.
Where conduct is classified as illegal or contrary to public policy it is generally held to be unenforceable; there are, however, some exceptions to that rule and, in some cases, it may be possible to sever the offending terms and enforce the remainder of the contract.
 An agreement is unlawful if the Court regards it opposed to public policy. What is public policy? Public policy means policy of the law or the Government for the public good or welfare. Every Government tries to maximize the welfare of its citizens. Therefore, it makes a policy to discourage or prohibit any thing which is against the welfare or interest of society. For example, trading with enemy, selling of public offices, agreement restraining people from carrying on lawful trade, etc. are injurious to society. Hence, they are considered as opposed to public policy and have been declared void.
The concept of public policy has invited a lot of criticism. The reason is that this concept is very vague. There is a danger of it being misused. It is for this reason it has been remarked by Lord Halsbury that categories of public policies are closed and a Court cannot invent a new head of public policy.
In the case of Richardson v. Mellish "[2]...It is a very unruly horse, and when once you get astride it you never know where it will carry you." Again Lord Davy in the case of Janson v. Driefontein Consolidated Mines Ltd. remarked "[3]...public policy is always an unsafe and treacherous ground for legal decision." According to Lord Atkin "The doctrine should only be invoked in clear cases in which the harm to the public is substantially incontestable, and does not depend upon the idiosyncratic inference of a few judicial minds." (Fender v. St. John Mildmay)[4]


Agreements which have been declared against public policy by the Courts are as follows:
Agreements for trading with an enemy:
 All contracts made with an alien (foreigner) enemy are illegal unless made with the permission of the Government. An alien enemy is a person who owes allegiance to a Government at war with India. Such agreements are illegal on the ground of public policy because either the further performance of the contract would involve intercourse with the enemy or its continued existence would confer upon the enemy an immediate or future benefit.
A restraint on trade is a promise by one party, the covenantor, to give up a freedom that he would otherwise enjoy in relation to his or her trade, for the benefit of another party, the covenantee: Amoco Aust v Rocca Bros Motor Engineering Co.[5]
Trading activities will include employment, operating a business and restrictive practices such as agreeing to obtain supplies exclusively from one supplier for a lengthy period of time.
While prima facie all restraints of trade are void, a restraint is valid if it can be shown to be reasonable in the interests of (Nordenfelt v Maxim Nordenfelt Guns and Ammunition):[6]
  1. The parties
  2. The public
The responsibility is on the covenantee to show the restraint is reasonable in the interests of the parties. If successful, it will shift to the covenantor to show that it is unreasonable in the interest of the public: Amoco Aust v Rocca Bros Motor Engineering Co.[7] The validity of a restraint must be decided as at the date of the agreement: Lindner v Murdock's Garage.[8]
Agreements interfering with administration of justice:
No one is allowed to interfere with administration of justice. These are of the following types:
(a) Agreements stifling prosecution:
Stifling implies abuse of law. The law does not permit a person to make money out of a crime. You shall not make a trade of a felony. It is based on the noble doctrine that if a person has committed a crime, he must be tried by a Court of law and if found guilty, must be punished. Contract for compounding or suppression of criminal charges, for offences of a public nature are illegal and void. The law is “you cannot make a trade of your felony (crime). You cannot convert crime into a source of profit.” The underlying principle is ‘If the accused is innocent, the law is abused for the purpose of extortion; if guilty, the law is eluded by a corrupt compromise screening the criminal for a bribe.
Example:
A promises to drop prosecution which he has instituted against B for robbery, and B promises to restore the stolen property, the agreement is unlawful.
However, compoundable offence under the Indian Penal Code can be compromised. Again, there is no bar to refer a dispute to arbitration if it is of civil nature.

(b) Maintenance and Champerty:
These two terms are used in English Law. Maintenance implies assisting or financing of suits by third parties having no real interest, for its prosecution or defense. Champerty implies a bargain by which one party is to assist the other in recovering property, and is to share in the proceeds of the action. Thus maintenance and champerty are likely to encourage purposeless, mis-chievous and retaliatory litigation. Hence both of these are illegal under English Law.
In India, maintenance and champerty are not necessarily void. An agreement to be champertous in India must be grossly unfair on unconscionable ground or opposed to public policy. Thus an agreement to share the proceeds of litigation if recovered in consideration of other party's supplying the funds in good faith to continue the litigation is not in itself opposed to public policy. However, where the advances are made by way of gambling in litigation, the agreement to share the proceeds of litigation is opposed to public policy and hence void.
 ‘Maintenance’ means the promotion of litigation in which a person has no interest of his own. In other words, where a person agrees to maintain a suit, in which[9] he has no interest, the proceeding is known as ‘Maintenance.’ Thus, ‘maintenance’ tends to encourage speculative litigation. ‘Champerty’ is a bargain whereby one party is to assist another in recovering property and, in turn, is to share in the proceeds of the action. Under English Law, both of these agreements are declared illegal and void being opposed to public policy. Indian Law is different.
In Raja Venkata Subhadrayamma Guru v. Sree Pusapathi Venkatapathi Raju,[10] the Privy Council held that champerty and maintenance are not illegal in India, and that Courts will refuse to enforce such agreements only when they are found to be extortionate and unconscionable and not made with the bonafide object of assisting the claims of the person unable to carry on litigation himself. In other words, only those agreements which appear to be made for purposes of gambling in litigation, and for injuring or oppressing others, by encouraging unholy litigation, that will not be enforced, but not all agreements of champerty or maintenance. Thus, an agreement to render services for the conduct of litigation in consideration of payment of 50 per cent of the amount recovered through Court would be legally enforceable. But, where it was found that the value of the part of the estate promised to be conveyed amounted to Rs. 64,000 in return for Rs. 12,000 which was to be spent by the financier on the prosecution of an appeal in the Privy Council, it was held that although the agreement was bond fide, it could not be enforced, the reward being extortionate and unconscionable.
An agreement to transfer % share in the property, if recovered, has been held to be champertous and hence void. Nuthaki Venkatswami v. Katta Nagi[11]
Agreements which interfere with administration of justice:
No one is allowed to interfere with the course of justice. Hence an agreement which interferes with administration of justice is unlawful.
Examples:
(1) A agrees to pay a bribe of Rs. 1,000 to a judge. It is unlawful and hence void.
(2) A agrees to pay fee to a holy man to pray for the success of his suit. It is not interference with the administration of justice. Hence it is valid and binding. Balasundara Mudaliar v. Mohd. Usman[12]
 Agreements to vary period of limitation:
An agreement to defeat the object of any law is unlawful. Hence an agreement to vary the period of limitation will be void as it would defeat the object of the law of limitation. According to the law of limitation, an action for breach of a contract must be brought within three years from the date of its breach. Thus an agreement to make this period longer or shorter than three years will be void. However, in practice this has not been applied strictly by law Courts in India. For example, a clause providing that "no suit shall be brought against the company in connection with the said policy later than one year after the time when the cause of action accrues" was up held.
Agreements for the Sale of Public Offices and Titles. Traffic by way of sale in public offices and appointments obviously tends to the prejudice of the public service by interfering with the selection of the best qualified persons. Such sales, are, therefore, unlawful and void. The secretary of a college promised Col. Parkinson that if he made a large donation to the college, he would secure a knighthood for him. Held, the agreement was against public policy and thus void (Parkinson v. College of Ambulance Ltd. (1925) 2 K.B.1)[13]

Traffic in public offices
It implies transfer of public office for some consideration or inducing public officers to act for consideration in cash or kind. Such agreements are contrary to public policy as these are likely to encourage corruption or inefficiency among the officials. Hence such agreements are void.
Examples:
(1) A agrees with B to procure a job in Union Public Service Commission for a consideration of Rs. 1,000. It is void.
(2) A agrees to transfer to B his post in a Government office for Rs. 5,000, it is void.
Threat to termination of service as it was observed in the case of (Shushil Kumar Yadunath jha v.union of India)[14]
Agreements creating interest opposed to duty:
Duty must be done. Therefore, such agreements are also likely to increase corruption and inefficiency among the officials. Hence such agreements are void.
Example:
A agrees to pay Rs. 500 to a Municipal Engineer not to report unauthorized construction to the Municipal Authorities. The agreement is void as it will create interest opposed to duty.
 Agreement restraining personal freedom:
Under contract act personal freedom has been guaranteed by our Constitution. The law will not allow an agreement which takes away the personal liberty of a person. Recently, Government has done away with bonded labour to ensure this freedom.
Examples:
An agreement by a borrower with a money-lender that he will not change his residence, employment or agree to a reduction of his salary without the written consent of the money­lender was declared void. Harwood v. Millers Timber & Trading Co.[15] An agreement by a borrower to do manual work for the creditor so long as the debt was not paid in full is void.
7. Agreements interfering with parental rights and duties:
Guardianship rights cannot be allowed to be sold away or transferred in public interest. Children's/ward's interest should be properly protected. Accordingly, law has vested this authority in the parents of children. Father is the lawful guardian of his .minor child. In the absence of father, this right is transferred to the mother.
Agreements in restraint of parental rights. According to law the father is the guardian of his minor child; after the father, the right of guardianship vests in the mother. This right cannot be bartered away by any agreement. Re Caroll (1931) 1 K.B. 307. Thus, the authority of a father cannot be alienated irrevocably and any agreement purporting to do so is void.
Example:
A father having two minor sons agreed to transfer their guardianship in favour of Mrs. Annie Besant and also agreed not to revoke the transfer. Subsequently, he filed a suit for recovery of the boys and a declaration that he was the rightful guardian, the Court held that he had the right to revoke his authority and get back the children (Giddu Narayanish v. Mrs. Annie Besant)[16].However, a child validly adopted by a Hindu under the Adoption and Maintenance Act, 1956, cannot be taken back.

Agreement interfering with marital status:
Agreements interfering with marital status or duties are immoral Hence these have been declared void.
Example:
A lends Rs. 1,000 to a married woman to file a suit against her husband to get divorce and marry him after the divorce. Agreement is void.
 Agreement of marriage breakage or brokerage:
Everyone has a liberty to marry according to his free choice. This free choice should not be disturbed by monetary consideration or engaging paid brokers to procure matches. A marriage brokerage contract is one in which, in consideration of marriage, one or the other of the parties to it, or their parents or third parties receive a certain sum of money. Accordingly, dowry is a marriage brokerage and hence unlawful and void.
 In Venkatakrishna v. Venkatachalam[17] a sum of money was agreed to be paid to the father in consideration of his giving his daughter in marriage. Held, such a promise amounted to a marriage brokerage contract and was void.
 Where a purohit was promised a certain sum of money in consideration of procuring a second wife for the defendant, it was held that the promise was opposed to public policy and thus void [Vaidyanathan v. Gangarazu[18]
In the above cases, if marriage had been performed and the money remains unpaid, it cannot be recovered in a Court of Law. But, if the money had been paid and marriage also performed, the money cannot be got back.

Example:
A engaged a Panda from Hardwar to pay him (panda) Rs. 500 if the Panda procures him a beautiful wife. It is void.
 Forbidden by law:
If the consideration or the object of an agreement is the doing of an act, forbidden by law, the agreement is void. The act may be forbidden either under the Indian Penal Code or by special legislation or regulations made by a competent authority.Under Sec. 23, words ‘consideration’ and ‘object’ have not been used as synonyms. Object means the purpose and design. In some cases, consideration for an agreement may be lawful, but the purpose for which the agreement was entered into may be unlawful.
However, the agreement would be void. Therefore, both the consideration and object of an agreement must be lawful; otherwise the agreement would be void.

Agreements in restraint of legal proceedings.

Section 28, as amended by the Indian Contract (Amendment) Act, 1996 w.e.f 8.1.1997, provides that every agreement—
·         By which any party thereto is restricted absolutely from enforcing his rights under or in respect of any contract, by the usual legal proceedings in the ordinary tribunals, or which limits the time within which he may thus enforce his rights
·          Which extinguishes the rights of any party thereto, or discharges any party thereto from any liability, under or in respect of any contract on the expiry of a specified period so as to restrict any party from enforcing his rights, is void to that extent.
However, an agreement to refer disputes to arbitration is valid.
Similarly, the Supreme Court in M/s. Angile Insulations v. M/s. Davy Ashmore India Ltd.[19] has held that an express agreement between parties to vest jurisdiction to refer any dispute to a specified court does not amount to contracting against the statute. Thus, the clause in the agreement, viz., and “This work order is issued subject to the jurisdiction of the High Court situated in Bangalore, in the State of Karnataka” was held to be valid. Supreme Court said ‘Mercantile Law and Practice’ permit such agreements.

 Agreements in Restraint of Trade. Courts do not allow any tendency to impose restrictions upon the liberty of an individual to carry on any business, profession or trade. In England, originally, all agreements in restraint of trade were void. But now, the rule is that though total restraint will be bad, reasonable restraint will be enforceable. In Nordenfelt v. Maxim Nordenfelt, etc., Co. (1893) A.C. 535, the House of Lords held that “the real test for determining the validity of agreements in restraint of trade was, whether the restraint imposed was reasonable, for good consideration, not prejudicial to the interests of the public, and not more onerous than necessary for the protection of the party imposing the restraint”.
In India, the law on the subject is contained in Section 27 which reads: “Every agreement by which any one is restrained from exercising a lawful profession, trade or business of any kind, is to that extent void.” Thus, in India, all agreements in restraint of trade, whether general or partial, qualified or unqualified, are void. It is, therefore, not open to the Courts in India to enter into any question of reasonableness or otherwise of the restraint.[20]
29 out of 30 manufacturers of combs in the city of Patna agreed with R to supply him with combs and not to anyone else. Under the agreement R was free to reject the goods if he found there was no market for them. Held, the agreement amounted to restraint of trade and was thus void[21]
 J, an employee of a company, agreed not to employ himself in a similar concern within adistance of 800 miles from Madras after leaving the company’s service. Held, the agreement was void [Oakes & Co. v. Jackson (1876) 1 Mad. 134].

 A and B carried on business of braziers in a certain locality in Calcutta. A promised to stop business in that locality if B paid him Rs. 900 which he had paid to his workmen as advances. A stopped his business but B did not pay him the promised money. Held, the agreement was void and, therefore, nothing could be recovered on it [Madhav v. Raj Coomar (1874) 14 B.L.R. 76].

Conclusion

Exceptions or Cases in which restraint of trade is valid in India.

The following are the exceptions to the above rule that a restraint of trade is void:
·         Sale of Goodwill. Exception 1 to Section 27 provides that the seller of the goodwill of a business may agree with the buyer to refrain from carrying on a similar business, within specified local limits, so long as the buyer or any one deriving title to the goodwill from him carries on a like business, provided that such limits are reasonable.

S, a seller of imitation jewelry, sells his business to B and promises not to carry on business in imitation jewelry and real jewelry. Held, the restraint with regard to imitation jewellery was valid but not regarding real jewelry (Goldsoll v. Goldmand (1915)1 Ch.D. 292.)

·         Partners’ agreement. Partners may agree that:

1.      A partner shall not carry on any business other than that of the firm while he is a partner. [Section 11(2) of the Indian Partnership Act, 1932]
2.      A partner on ceasing to be a partner will not carry on any business similar to that of the firm within a specified period or within specified local limits. The agreement shall be valid if the restrictions are reasonable [Section 32(2) of the Indian Partnership Act, 1932]
3.      Partners may, upon or in anticipation of the dissolution of the firm, make an agreement that some or all of them will not carry on a business similar to that of the firm within a specified period or within specified local limits and such agreement shall be valid if the restrictions imposed are reasonable [Section 54 of the Indian Partnership Act, 1932]
4.      A partner may, upon the sale of the goodwill of a firm, make an agreement that such partner will not carry on any business similar to that of the firm within a specified period or within specified local limits; and such agreement shall be valid if the restrictions imposed are reasonable [Section 55 of the Indian Partnership, 1932].

·         Service Agreements. An agreement of service by which a person binds himself during the term of the agreement not to take service with anyone else or directly or indirectly take part in or promote or aid any business in direct competition with that of his employer is valid [Charles v. Macdonald (1899) 23 Bom. 103].

A agreed to become assistant for 3 years to B who was a doctor practicing at Zanzibar. It was agreed that during the term of the agreement A was not to practice on his own account in Zanzibar. After one year, A started his own practice. Held, the agreement was valid and A could be restrained by an injunction from doing so.[22]

These days it is a common practice to appoint management trainees. A lot of time, money and energy is spent in training the selected candidates in the management techniques. So, it will be a waste on the part of such organizations if these persons left for other organizations immediately after training. Therefore, a service bond is normally got signed whereby the trainee agrees to serve the organization for a stipulated period. Such agreements, if reasonable, do not amount, to restraint of trade and hence are enforceable.
Thus, where an employee undertook to serve his employer for a period of 3 years but leaves the service after one year, he may be asked to abide by the agreement.[23]
But, if a restraint imposed on the employee is to operate after the expiry of the period of his service it shall prima facie be void [Krishna Murgai v. Superintendence Co. of India, AIR, 1979 Delhi 232].20 Thus, where A bank appoints an officer subject to the condition that after ceasing to be in service he would not join the service of any other bank in India for a period of 5 years, the bank shall not be in a position to enforce such condition.

Effects of Wagering Agreements.
 An agreement by way of wager is void. Section 30 provides “Agreements by way of wager are void; and no suit shall be brought for recovering anything alleged to be won on any wager or entrusted to any person to abide by the result of any game or other uncertain event on which any wager is made”. Thus, in India all agreements by way of wager are void. Wagering Agreement Void and not Illegal. In India, unless the wager amounts to a lottery, which is a crime according to Section 294-A of the Indian Penal Code, it is not illegal but simply void. Thus, except in case of lotteries, the collateral transactions remain enforceable.

4. Contracts of Insurance. Contracts of insurance are not wagering agreements even though the payment of money by the insurer may depend upon a future uncertain event. Contracts of insurance differ from the wagering agreements in the following respects:
1.      It is only person possessing an insurable interest that is permitted to insure life or property, and not any person, as in the case of a wager.
2.      In the case of fire and marine insurance,[24] only the actual loss suffered by the party is paid by the company, and not the full amount for which the property is insured. Even in the case of life insurance, the amount payable is fixed only because of the difficulty in estimating the loss caused by the death of the assured in terms of money, but the underlying idea is only indemnification.
3.       Contracts of insurance are regarded as beneficial to the public and are, therefore, encouraged. Wagering agreements, on the other hand, are considered to be against public policy.











APPENDIX
Cases Referred

1)      Richardson v. Mellish (1824) 2 Bing. 252
2)      Janson v. Driefontein Consolidated Mines Ltd. (1902) A.C. 484
3)      Fender v.Mildmay[1937] 3 All E.R. 402
4)      Amoco Australia Pty Ltd v Rocca Bros Motor Engineering Co Pty Ltd. (1973) 133 CLR 288
5)      Nordenfelt v Maxim Nordenfelt Guns and Ammunition Co Ltd [1894] AC 535
6)      Amoco Australia Pty Ltd v Rocca Bros Motor Engineering Co Pty Ltd. (1973) 133 CLR 288
7)      Lindner v Murdock's Garage (1950) 83 CLR 628(Australia)
8)      Bhagwat Dayal Singh v. Debi Dayal Sahu (1908) 35 I.A. 48: 35 Col. 4.
9)      Raja Venkata Subhadrayamma Guru v. Sree Pusapathi Venkatapathi Raju, 48 Mad. 230 (P.C.),
10)  Nuthaki Venkataswami v. Katta NagiReddy (died), AIR 1962 Andh Pra 457
11)  Equivalent citations: 1968 AIR 1273, 1968 SCR (3) 428
12)   St John Shipping Corporation v Joseph Rank Ltd [1957] 1 QB 267.
13)  Shushil Kumar Yadunath jha v.union of India AIR 1986 SC 1636,(1986) 3 SCC 325 at 328
14)  Harwood v. Millers Timber & Trading Co. [1917] 1 KB 305
15)  Giddu Narayanish v. Mrs. Annie Besant. (1915) 38 Mad. P.C
16)  Also Equivalent Citation: AIR 1915 Mad 756 (2), (1914) 27 MLJ 734.
17)  Vaidyanathan v. Gangarazu (1290) 17 Mad. 9
18)  M/s. Angile Insulations v. M/s. Davy Ashmore India Ltd. AIR 1995 SC 1766
19)  Khemchand v. Dayaldas, (1942) Sind, 114.
20)  Shaikh Kalu v. Ramsaran Bhagat (1909) 13 C.W.N. 388
21)  Charles v. Macdonald (1899) 23 Bom. 103
22)  Deshpande v. Arvind Mills, AIR 1946 Bom. 423
23)  Jackson v Union Marine Insurance (1874) 10 Common Pleas 125





[1] Mr Justice Burrough noted "Public Policy is an unruly horse, and when you get astride it you never know where it will carry you. It may lead you from sound law. It is never argued at all but when other points fail” Richardson v Mellish (1824) 2 Bing 228
[2] Richardson v. Mellish (1824) 2 Bing. 252
[3] Janson v. Driefontein Consolidated Mines Ltd. (1902) A.C. 484
[4] Fender v.Mildmay[1937] 3 All E.R. 402
[5] Amoco Australia Pty Ltd v Rocca Bros Motor Engineering Co Pty Ltd. (1973) 133 CLR 288
[6] Nordenfelt v Maxim Nordenfelt Guns and Ammunition Co Ltd [1894] AC 535
[7] Amoco Australia Pty Ltd v Rocca Bros Motor Engineering Co Pty Ltd. (1973) 133 CLR 288
[8] Lindner v Murdock's Garage (1950) 83 CLR 628(Australia)
[9] Bhagwat Dayal Singh v. Debi Dayal Sahu (1908) 35 I.A. 48: 35 Col. 4.
[10] Raja Venkata Subhadrayamma Guru v. Sree Pusapathi Venkatapathi Raju, 48 Mad. 230 (P.C.),
[11] Nuthaki Venkataswami v. Katta NagiReddy (died), AIR 1962 Andh Pra 457
[12] Equivalent citations: 1968 AIR 1273, 1968 SCR (3) 428
[13] Cited in St John Shipping Corporation v Joseph Rank Ltd [1957] 1 QB 267.
[14] AIR 1986 SC 1636,(1986) 3 SCC 325 at 328
[15] Harwood v. Millers Timber & Trading Co. [1917] 1 KB 305
[16] Giddu Narayanish v. Mrs. Annie Besant. (1915) 38 Mad. P.C
[17] Also Equivalent Citation: AIR 1915 Mad 756 (2), (1914) 27 MLJ 734.
[18] Vaidyanathan v. Gangarazu (1290) 17 Mad. 9
[19] M/s. Angile Insulations v. M/s. Davy Ashmore India Ltd. AIR 1995 SC 1766
[20] Khemchand v. Dayaldas, (1942) Sind, 114.
[21] Shaikh Kalu v. Ramsaran Bhagat (1909) 13 C.W.N. 388

[22] Charles v. Macdonald (1899) 23 Bom. 103
[23] Deshpande v. Arvind Mills, AIR 1946 Bom. 423
[24] Jackson v Union Marine Insurance (1874) 10 Common Pleas 125

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