You shall ensure that prior to any third party accessing the Site through your electronic device you shall cause such person to understand and accept the Terms contained herein.
If you do not understand the Terms herein, or do not agree to be bound by these Terms, you may not use this site in any manner.
By using this Site, you represent and warrant that you are a resident of India, minimum 18 years old and are otherwise capable of entering into a contract under applicable laws. We will at all times assume (and by using this Site you warrant that) you have the legal capacity to enter into the agreement set out in these Terms and that the same shall will be legally enforceable against you to the maximum extent permitted by applicable law (i.e. that you are of sufficient age and have the mental capacity and are otherwise entitled to be legally bound in contract).
CHANGES OR MODIFICATION TO THE TERMS
We reserve the right, at our sole discretion, without any obligation and without any prior notice requirement and for any reason, to change, delete, add, improve or correct the Terms and to suspend and/or deny access to this Site or portions thereof for scheduled or unscheduled maintenance, upgrades, improvements, corrections or otherwise. Changes to the Terms will be effective as on the date they are posted. The Company is not bound to provide you with any updates or notice of such revisions to the Terms You should visit the Terms regularly to review the applicable Terms in order to update yourself with the same. Your continued use/access of the Site signifies your acceptance of any revisions and explicit renewal of your consent to such revisions (whether you read it or not). These Terms control the relationship between the Company and you. They do not create any third-party beneficiary rights.
This Site provides users with access to information primarily focusing on insurance products and services offered therein. You hereby agree that the Company may contact you either electronically or through phone, to understand your interest in the selected products and services.
The Company grants you the non-exclusive, non-transferable, revocable, limited right to use the Site for your personal and non-commercial use. Your license to use the Site is limited by these Terms. Unless otherwise authorized, you may not use, copy, reproduce, modify, publicly perform or display, create derivative works of, sell, auction, loan, lease, rent, distribute, transfer or disclose all or any part of the Site (including, without limitation, any screenshots, videos, documentation or manuals relating to the Site) except as provided in these Terms. All other rights are reserved with the Company.
License Restrictions: Unless otherwise authorized by these Terms or the Company in writing, you shall not:
- Sublicense to, transfer, network, transmit, distribute, or permit use of the Site by, any third party;
- Reverse engineer, decompile, or disassemble any aspect of the Site;
- Transmit or communicate any data that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
- Use the Site if you are below 18 years of age.
- Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;
- Forge headers or otherwise manipulate identifiers in order to disguise the origin of any data transmitted to other users;
- Transmit, access or communicate any data that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under non-disclosure agreements);
- Transmit, access, or communicate any data that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
- Transmit or communicate any data that contains software viruses, 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;
- Interfere with or disrupt the Site or any other user’s use of the Site;
- Include programs which contain viruses, worms, ‘time bombs’ and/or ‘Trojan horses’ or any other computer code, files or programs designed to interrupt, harm, overload, collapse, destroy or limit the functionality of any computer software or hardware or telecommunications;
- Intentionally or unintentionally violate any applicable local, state, national or international law, including securities exchange and any regulations requirements, procedures or policies in force from time to time relating to the Site;
- Monitor traffic or make search requests in order to accumulate information about individual users;
- Modify, delete or damage any information contained on the personal computer of any other user;
- Use the Site in any way related to any illegal activity;
- Harm the Site including using any program or other mechanism to slow or “crash” the network;
- Disobey any policy or regulations established from time to time regarding use of this Site or any networks connected to this Site;
- Threaten the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation;
- Allow usage by others in such a way as to violate this Agreement.
We may suspend or stop providing access to the Site to you if you fail to comply with our Terms or policies or if we are investigating suspected misconduct. Unauthorized use of the Site will lead us to take action as we believe is necessary, in our sole discretion, to safe guard the Site and the data contained therein.
This license shall automatically terminate if you violate any of the restrictions stated herein and, in the Policy, and upon termination of the license, you must destroy any downloaded materials (if any) in your possession in any format whatsoever including in electronic or printed format.
HOW TO CONTACT US
Please forward any comments or complaints or questions about the Site or privacy to Data Protection Officer vide
ENROLLMENT / REGISTRATION
You can browse the Site without providing any personal information. However, to use some of the Services being offered by the Company and/or third-party providers on the Site, you will be required to provide certain personal information like your name, salutation, address, email address, mobile number etc. When you provide the Site with any information, the information has to be Real, accurate and complete. The Company shall assume that any information provided by you is accurate and we shall not verify the same. Utmost Care must be taken as to not impersonate anyone else or choose names that are offensive or that violate anyone’s rights. If you don’t follow these rules or if we believe the details are not correct, current, or complete, we have the unconditional right to refuse you access to or use of the Site, or any of its resources.
Users may have only one Active Account. Additionally, users are prohibited from selling, trading or otherwise transferring their accounts to another party. If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account. You agree to notify the Company immediately of any unauthorized use of your account or any other breach of security. The Company reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.
By providing such personal information, you consent to receive all information relating to the Site, the services offered by the Site and/or third-party providers, all communication and instructions for availing special offers and promotional benefits. You shall solely be responsible for the appropriate use of the same. You authorize the Company and/or authorized third parties to retain the information shared by you for the purpose of using the Site and/or the services and for any marketing campaign of the Company and/or third-party service providers.
Providing the Company and/or third-party service providers with any information including personal information through use of the Site shall be deemed to be your consent to the Company and/or third-party service providers to communicate with you through email, SMS, phone calls, direct mail and other means of communication. User experience may vary depending on the type of the device and the operating system that you use, and the Company accepts no responsibility for any lack of functionality due to your equipment (including your device, internet connection, operating system or settings and software).
INTELLECTUAL PROPERTY RIGHTS
This Site and any materials incorporated by the Company on this Site including, without limitation, any text, graphics, images, artwork, illustrations, photographs, animations, music, video, audio, audiovisual works, designs, logos, software and any other content (“Material”) are protected by copyrights, patents, trade secrets or other proprietary rights owned by or licensed to the Company, authorized third parties and/or its licensors (“Copyrights”). Some of the logos or other images incorporated by the Company on this Site are also protected as registered or unregistered trademarks, trade names and/or service marks owned by or licensed to the Company or other third parties (“Trademarks”). The Company respects the intellectual property rights of others and asks the Users of this Site to do the same. Using our services does not give you any ownership of any intellectual property rights in our services, the Material, Copyright or Trademarks.
You agree that the Material, Services, and any other content provided on the Site, either by the Company or through third party providers, may be protected by intellectual property laws of India or the applicable laws of any other jurisdiction. Your attempt to modify, copy, distribute, transmit, resell, redistribute, broadcast, display, perform, reproduce, publish, license, frame, transfer, or otherwise use in whole or in part, any intellectual property contained in the Material, services and any other content provided on the Site may subject you to infringement actions either by the Company or third party providers, as the case may be.
USE OF MATERIAL
Your right to make use of this Site and any Material or other content appearing on it is subject to your compliance with these Terms. Modification or use of the Material or any other content on this Site for any purpose not permitted by these Terms may be a violation of the Copyrights and/or Trademarks and may be prohibited by law. Some Material and services being displayed and/or provided on the Site are not under the control of the Company. The Company does not take any responsibility of such Material and/or services, which are made available by third party providers or any other entity.
You may access and display Material and all other content displayed on this Site for non-commercial and personal use. The Material and all other content on this Site may not otherwise be copied, reproduced, framed, republished, uploaded, posted, transmitted, distributed or used in any way unless specifically authorized by the Company. Using any of our Material on any other web site or networked computer environment without the prior approval of the Company is prohibited and infringement unless the same is specifically authorized by the Company to do so. Also, to the extent permitted by applicable law, decompiling, reverse engineering, disassembling, or otherwise reducing the code used in any software on this Site into a readable form in order to examine the construction of such software and/or to copy or create other products based (in whole or in part) on such software, is prohibited.
You understand that by using the Site, you may be exposed to materials that you may consider to be offensive or objectionable. You agree that you must evaluate, and bear all risks associated with, the use or disclosure of materials found on the Site. You further acknowledge and agree that you will not rely on any content available on or through the Site or use such content as a substitute for professional advice.
DISCLAIMER OF WARRANTIES
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE SITE AND ALL THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICES AND OTHER CONTENT ON THE SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE SITE, THE COMPANY AND ANY SUBSIDIARIES OR AFFILIATED COMPANIES OF THE COMPANY DISCLAIM ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS SITE WILL BE AVAILABLE CONTINUOUSLY, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVERS THAT MAKE THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES OR OTHER CONTENT ON OR MADE AVAILABLE ON THE SITE OR ANY WEB SITES LINKED TO THE WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICE OR OTHER CONTENT IN THE SITE OR ANY OTHER WEB SITE WILL NOT INFRINGE THE RIGHTS OF OTHERS AND THE COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICE OR OTHER CONTENT ON THE SITE OR ANY OTHER WEB SITE. THE COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR (I) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURED SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (II) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (III) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF SOME OR ALL OF THE ABOVE IMPLIED WARRANTIES TO APPLY TO YOU, THE ABOVE EXCLUSIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.
LIMITATION OF LIABILITY
THE COMPANY DISCLAIMS ANY AND ALL LIABILITY WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE, AND DOES NOT ACCEPT ANY LIABILITY FOR ANY LOSS OR DAMAGE (DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY OR OTHERWISE) RESULTING FROM ANY USE OF, OR INABILITY TO USE, THE SITE OR ANY OTHER WEB SITE, OR THE MATERIAL, INFORMATION, SOFTWARE, FORUMS AND/OR OTHER CONTENT ON THE SITE OR ANY OTHER WEB SITE, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED.
The Company makes no representation that the Materials or other content in the Site are appropriate or available for use outside India, its territories, possessions and protectorates. If you choose to access the Site from other locations you do so at your own initiative and at your own risk. You are responsible for complying with local laws, if and to the extent local laws are applicable. You specifically agree to comply with all applicable laws concerning the transmission of technical data exported from India or the country you reside in.
You hereby indemnify, defend and hold harmless the Company and all persons claiming under the Company (“Indemnified Persons”) from and against any and all losses, claims, demands, liabilities, damages, costs or expenses, including reasonable legal fees and expert witness fees, resulting from your breach of any of the provisions mentioned in this Terms, representations or warranties, and/or infringement by you of Materials, Copyrights and/or Trademarks, including any claims against you alleging misuse or unauthorized usage of the information, data and content available on and/or from your use of the Site itself.
THIRD-PARTY WEBSITES AND SERVICES
The Site may contain features and functionalities that may link you or provide you access to third party content and web domains, which is completely independent of the Company. We have included links to these third-party services to provide you with access to information and services that you may find useful or interesting. We have not, reviewed, evaluated or approved these websites or content of these third-party providers and do not guarantee the authenticity of the same and/or as to whether that they will be continuously available and we shall not be liable for any loss occurred /incurred by you on your using the same.
The Site may allow you to download, install, access or use software, products or services provided by third party providers. These websites may contain information or material that some people may find inappropriate or offensive. These other websites are not under the control of the Company, and you acknowledge that (whether or not such sites are affiliated in any way with the Company) the Company is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such third-party services. The Company does not guarantee, approve or endorse the information or products available at these websites, nor does the inclusion of such an advertisement or link imply endorsement of any site by the Company or any association with its operators.
The Company cannot ensure that you will be satisfied with any products or services that you purchase from any third-party providers that links to or from the Site since certain stalls, channels and online shops are owned and operated by such independent third parties. The Company does not endorse any of the merchandise or content on its Site, nor has the Company taken any steps to confirm the accuracy or reliability of any of the information contained in such third-party providers. The Company does not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give any third party, and you irrevocably waive any claim against us with respect to such websites. We strongly encourage you to make whatever investigation you feel necessary or appropriate before proceeding with any online transaction with any of these third-party providers.
Further the Company shall not be a party to any dispute which may arise between you and third-party providers and/or between any third parties not being the Company. In the event of such a dispute arising, you hereby release Company, its officers, employees, agents and successors in rights from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any manner related to such disputes and/or our services.
You are prohibited from violating or attempting to violate the security of the Site, including, without limitation, (a) accessing data not intended for you or logging onto a server or an account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (c) attempting to interfere with service to any other user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, "flooding," "spamming," "mail bombing" or "crashing;" (d) sending unsolicited email, including promotions and/or advertising of products or services; or (e) forging any TCP/IP packet header or any part of the header information in any email or newsgroup posting; or (f) use or transmit through the Site any unlawful, libelous, threatening, obscene or otherwise objectionable material of any kind or nature or (g) hyperlinking the Site to any other site. Violations of system or network security may result in civil or criminal liability as per applicable law. The Company will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Site other than the search engine and search agents available from the Company on this Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
The Company reserve the right to recover the costs and lawyers’ fees from persons using the Site fraudulently. The Company also reserves the right to initiate legal proceedings against such persons for fraudulent use of the Site.
These Terms shall be governed by, construed and enforced in accordance with the laws of India. You hereby consent and submit to the exclusive jurisdiction of the courts of Mumbai, India for any action however so arising out of these Terms.
If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein.