Act of God – As a General Defences under Tort Law

Introduction

An “Act of God” refers to an extraordinary, natural event that is beyond human control and cannot be anticipated or prevented, such as earthquakes, floods, hurricanes, or other severe weather events. Legally, it is used as a defense in cases where harm or damage occurs due to such events, and the responsible party cannot be held liable because the event was unforeseeable and unavoidable. The defense typically applies when the event occurs unexpectedly and exceeds what could be reasonably anticipated, making it impossible for the defendant to prevent or mitigate the consequences.

For the defense to succeed, the event must meet certain criteria, including being an exceptional natural occurrence, and in some cases, it may require that human actions (such as construction or alterations) did not contribute to or exacerbate the situation. Courts often evaluate whether the event was truly extraordinary and whether the defendant could have taken measures to avoid or reduce the harm.

NICOLAS V. MARSLAND – Extraordinary acts of nature

The defendant constructed some ornamental pools. The region experienced unusually heavy rainfall of a magnitude never experienced before. The pools fled causing damage to the claimant’s property. The court held that the defendant should not be liable for the extraordinary acts of nature (act of god) that could not be anticipated.

GREENOCK CORPORATION V. CALEDONIAN RY. – Criticised and revisited Nicolas

The defendants constructed a pool in the bed of a stream changing the natural course of a stream. Heavy rains led to overflowing of the stream at the pool which damaged the claimants’ property. It was alleged that the stream would not have overflown had the pond not been constructed obstructing and changing the course of the stream.

Held that rain cannot be regarded as an Act of God. It was the duty of the defendants to make the claimants secure against any injury which they would not have been prone to had nature not been interfered with. If the course of nature was tampered, it is difficult to prove Act of God.

SLATER V. WORTHINGTON CASH STORES – Proximity of claimant

Claimant, who was driving along a road, skidded on the ice and was severely injured. She alleged that the injury was due to D’s failure to remove the ice which had accumulated on the roof of D’s shop.

The defence of Act of God was not upheld as the action was reasonably foreseeable and was easily preventable by clearing the snow. It was the shopkeeper’s duty

Conclusion

In conclusion, the “Act of God” defense is a legal concept that allows individuals to avoid liability for harm caused by extraordinary natural events. However, its applicability is not always clear-cut. As seen in Nicolas v. Marsland, where the court accepted the defense for an unprecedented rainfall, it may be upheld when the event is truly unforeseeable and beyond human control. In contrast, cases like Greenock Corporation v. Caledonian Ry. and Slater v. Worthington Cash Stores illustrate that the defense may not apply when human actions have altered natural processes or when the event, though severe, is foreseeable and preventable through reasonable measures. Ultimately, whether the defense is successful depends on the specifics of the case, including the nature of the event and the actions (or inactions) of the parties involved.


Mental Incapacity in Contracts – Section 12 of ICA, 1872 – Read!

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Hiring Now: Legal Manager – JM Financial Home Loans Ltd (Ahmedabad & Nashik | Apply Today)

Legal Manager | JM Financial Home Loans Ltd (Ahmedabad & Nashik)

Are you a skilled legal professional looking for an exciting opportunity with one of India’s leading financial services conglomerates? JM Financial Home Loans Ltd, part of the JM Financial Group, is hiring now for the position of Legal Manager (Non-Litigation). This is a full-time role based in Ahmedabad and Nashik, offering the right candidate the chance to work on high-value transactions, corporate legal compliance, and advisory matters within a dynamic financial services environment.

About the Organization

JM Financial Group is one of India’s most trusted and respected financial services conglomerates, with a legacy of over four decades. The group operates across diverse business verticals including investment banking, wealth management, asset management, lending, and distressed asset management. JM Financial Home Loans Ltd specifically focuses on retail lending, housing finance, and providing tailor-made credit solutions to individuals and businesses.

Known for its innovation, customer-centric approach, and governance standards, JM Financial Group has built a strong reputation in both domestic and international markets. By joining the legal team at JM Financial Home Loans Ltd, you become part of a culture that values excellence, integrity, and professional growth.

Location

Ahmedabad & Nashik, India

The role provides exposure to legal matters arising out of lending, financing, and compliance operations in these fast-growing markets. Candidates will benefit from working closely with business teams while ensuring adherence to legal and regulatory frameworks.

Position & Duration

Role: Legal Manager – Non-Litigation
Type: Full-time permanent position

This role offers long-term career growth with one of the most reputable financial services groups in India.

Eligibility Criteria

Candidates applying for the Legal Manager position must meet the following requirements:

  • LLB or LLM qualification from a recognized university
  • Prior experience in handling non-litigation legal matters (preferred but not mandatory)
  • Strong skills in drafting, compliance, and legal advisory
  • Ability to work collaboratively with internal business teams, clients, and external stakeholders
  • Good communication, analytical, and problem-solving skills

Candidates with prior experience in banking, NBFC, or housing finance legal teams will be preferred, though exceptional fresh talent with relevant skills will also be considered.

Key Responsibilities

As a Legal Manager (Non-Litigation), your day-to-day responsibilities will include:

  • Drafting and reviewing agreements, contracts, and internal legal documents for lending and financing transactions
  • Advising internal teams on compliance with applicable laws, rules, and regulations governing financial services and housing finance operations
  • Ensuring smooth coordination with business teams for documentation, contract execution, and approvals
  • Assisting in due diligence, corporate filings, and regulatory reporting where required
  • Managing relationships with external counsels, law firms, and regulatory authorities for advisory or compliance purposes
  • Preparing legal notes, opinions, and presentations for internal stakeholders
  • Keeping the organization updated with changes in laws, policies, and regulations impacting the business

The role is non-litigation focused, ensuring that the candidate works primarily on compliance, advisory, documentation, and corporate legal matters rather than litigation before courts.

Salary

Up to ₹7 LPA – based on experience, skills, and company norms.

The salary structure reflects JM Financial Group’s commitment to rewarding talent and expertise in line with industry standards. Additional benefits and growth opportunities within the group further enhance the compensation package.

Why Join JM Financial Home Loans Ltd?

Here are some compelling reasons to join the firm:

  • Opportunity to work with one of India’s most reputed financial services groups
  • Exposure to corporate, regulatory, and advisory matters in the housing finance sector
  • Structured career growth and internal mobility across JM Financial Group businesses
  • A professional environment that values innovation, compliance, and governance
  • Hands-on experience in legal processes that directly impact the financial services industry

Ideal Candidate Profile

This role is best suited for legal professionals who:

  • Possess strong legal drafting and compliance knowledge
  • Have the ability to anticipate legal risks and provide effective solutions
  • Can manage multiple tasks in a fast-paced corporate environment
  • Are team players with strong communication skills and business acumen
  • Want to grow their career in the non-litigation side of corporate law within a reputed financial services company

If you are looking for a career that blends corporate law, compliance, and financial services exposure, this is the ideal opportunity.

How to Apply

Interested candidates can apply directly by sending their updated CV to the HR team.

Email: kranti.rane@jmfl.com
Subject Line: “Application – Legal Manager (Non-Litigation), Ahmedabad/Nashik”

Applicants are encouraged to highlight their drafting, advisory, and compliance experience in their resume for better consideration.

Application Deadline

Applications are reviewed on a rolling basis. Candidates are advised to apply at the earliest to increase their chances of being shortlisted.

Final Takeaway

The Legal Manager (Non-Litigation) role at JM Financial Home Loans Ltd offers a fantastic opportunity for legal professionals to build a strong career in corporate advisory, compliance, and documentation within the financial services sector. With exposure to high-value transactions, stakeholder management, and governance-driven practices, this role provides both professional growth and stability.

If you are ready to step into a challenging and rewarding legal role with JM Financial Group, apply today and be part of an organization that values legal expertise, integrity, and innovation.


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