Last updated: May 11, 2023
For the advantage of the User, the Company makes information on various insurance products offered in the insurance markets available on this website. The fact that the information and advice are accessible through the Website does not imply that the Company or any of its employees advocate that you purchase any insurance policy or other product discussed there. Any decisions about the purchase of insurance policies will only be based on the User’s assessment of the products and policies and the User’s need for the same. Although the information/services supplied will be carefully reviewed for completeness, accuracy, etc., neither the Company nor any of its directors, employees, advisors, or affiliates shall under any circumstances be liable to any individual for any loss or damage. The User is solely responsible for determining whether any advice, recommendations, or other materials made available on the Website are complete, accurate, or otherwise useful. The User should seek independent legal, business, and tax advice regarding any policy(ies) with respect to which advice is sought or given.
The User/Customer would be able to access such services by using the Customer ID and the Customer Password in the event that the Company has introduced or may from time to time offer certain services on the Website that need authentication procedures. The user or customer can approve the transactions by entering their customer ID and password. A Transaction Password may be given to the Customer, allowing them to do the transactions that may occasionally be required. Without using the Transaction Password, the Customer would be unable to complete the transactions. The following conditions apply to the Customer ID, Customer Password, and Transaction Password
The Customer hereby irrevocably and unconditionally authorizes the Company to carry out his, her, or its orders, accomplishing such transactions as the Company may, from time to time, permit, in line with these Terms and such other terms as the Company may, specify. Certain transactions would only be carried out once the customer gave their consent using the customer/transaction password, and the company would not be required to confirm the legitimacy of any such lawfully authorized transaction.
The Company’s own records of any transactions, whether kept on paper or through computer systems, shall be considered as conclusive and binding for all purposes in relation to any transactions that the Company may from time to time authorize. More specifically, the Company’s record of the transaction(s), which includes a record of the time of the transaction(s), shall serve as the only credible evidence of the truth and accuracy of such transactions.
The suggestion of best Product mentioned when comparing various products available would be based on the Service Provider’s judgment and experience of the best product as far as features and claims process are concerned. This should not be construed as the Company canvassing any particular product.
The Website may have information about the expiry of insurance Policy of the Policyholder. Customers are advised to issue insurance orders online with a clear 5 working days before the expiry of the policy. The Company will not be responsible for any expiry/lapsing of the policy.
Though, entry of information in various search and entry forms in the Website would help in detecting any obvious errors made by the Customer, the entry of data by the Customer and subsequent preparation of policies on the basis of this information is the complete responsibility of the Customer.
Information regarding the Claims Assistance service that the Company would offer might be found on the website. The provision of claims help is merely a service offered to the Customer by the Company; it in no way ensures that the Insurance Company will approve and pay the claim. Any delay or non-payment of claims by the insurance carriers would not be the Company’s fault.
The Company reserves the rights to add, amend, revise, suspend or cancel in whole or in part any of the services which are, or may become, part of the Website, without any prior notice to the Users. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Users. The Company may introduce new services in relation to the Website from time to time. The existence and availability of the new services will be notified on the Website as and when they become available and any revisions in the Terms and Conditions will take place in accordance with these Terms and Conditions.
If the performance of any obligation is prevented, hampered, or delayed by a Force Majeure event, such as, without limitation, the failure of any communication system, sabotage, flood, explosion, civil unrest, strikes or other industrial action of any kind, riots, war, or acts of government, or by any other cause similar to these that is beyond the reasonable control of the Company/Service Provider, the Company/Service Provider shall not be liable for any failure to perform any obligation.
When the Website is loaded in your computer’s temporary or main memory, it is considered to be in use.
The User commits to only using the Website for personal purposes. The User promises to use this website lawfully and in a way that complies with these Terms and Conditions. The User agrees not to use, transmit, disseminate, or otherwise deal with any information on the Website in a way that would undermine the Company’s interests or put its business in jeopardy.The User acknowledges that the Website was developed, compiled, prepared, revised, selected, and arranged by the Company and others (including certain other information sources) using methods and standards of judgement developed and applied with significant time, effort, and money, and that it constitutes valuable intellectual property and may also include trade secrets of the Company and such others. During and after the term of this agreement, User agrees to protect the Company’s and all others’ proprietary rights in the Website or its content, and to comply with all reasonable written requests made by the Company or its suppliers of content, equipment, or otherwise to protect their and others’ contractual, statutory, and common law rights in the Website.The User agrees to quickly notify the Company in writing of any unauthorised access or use of the Website by any party/person, or of any claim that the Website violates any copyright, trademark, or other contractual, statutory, or common law rights. The User may download and retrieve data from the Website on his/her computer screen, print individual pages on paper, photocopy and store such pages in an electronic form on disc (but not on any server or other storage device linked to a network) for his/her/its sole personal use only. The User also accepts that the Company retains ownership of all intellectual property in the Website.
Although the Company may, from time to time, monitor or review any facilities, if established or otherwise offered at the Website for discussions, chats, postings, transmissions, bulletin boards, and the like on the Website, the Company is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Website. The User is prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. The Company will fully cooperate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity of anyone posting any such information or materials.
The Company maintains the right, at its sole discretion, to deny any User access to the Website, including any section thereof, without prior notice.
The Company offers you the right to visit this Website in line with these Terms and Conditions, solely for your own personal use. Please keep in mind that the services and content on the Website, including but not limited to text, content, photographs, video, audio, and graphics, are either the Company’s property or used with permission by the Company and/or the Company’s suppliers, and may be protected by applicable copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and laws of India and other countries. The Company’s and others’ trademarks, logos, slogans, and service marks (collectively the “Trademarks”) shown on the Website may or may not be registered Trademarks. Nothing on the Website should be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any Trademark displayed on the Website without the prior written permission of the Company or such third party whose Trademarks are featured on the Website. Except as stipulated in these Terms and Conditions, any misuse of the Trademarks shown on the Website, or any other content on the Website, is strictly forbidden. The User is also advised that the Company will vigorously pursue and protect its intellectual property rights to the maximum extent permitted by law, including criminal prosecution. To safeguard its interests, the Company shall be entitled to equitable relief (including any harm, direct, indirect, consequential, and exemplary), in addition to all other remedies available to it.
This Website may contain links to websites that are not operated by the Company. Such links are given just for the User’s convenience, and the Company has no control over such websites and is not responsible for their content. The use of such websites is also subject to the terms of use and any other conditions and guidelines published within each such website, if any. If any of the terms included herein conflict with the terms of use or other terms and guidelines provided on any such website, the terms of use and other terms and guidelines for such website shall take precedence. The User agrees to click on the links to the terms of use and other terms found and become acquainted with them. The connected websites are not within the jurisdiction of the Company, and the Company is not responsible for the contents of any such linked website or any link contained in a linked website, advertisements appearing in or items supplied by such websites, or changes or updates to such websites. The Company provides these links to the User solely as a convenience, and the inclusion of any link does not constitute endorsement of the linked website by the Company.
The Company and/or its suppliers own the copyright to any software or information (if any) made available for download from this Website (“Software”). The User’s use of the Software is regulated by the terms of the end user licence agreement, if any, that comes with or is incorporated with the Software. The User may not install or use any Software that comes with or includes a Licence Agreement unless the User first agrees to the terms of the Licence Agreement.
The User agrees to indemnify, defend, and hold harmless the Company, its directors and employees, representatives, suppliers, and advisors against any claim, suit, action, or other proceeding brought against the Company, its directors and employees, representatives, suppliers, and as by a third party, to the extent that such claim, suit, action, or other proceeding brought against the Company, its directors and employees, representatives, suppliers, and as by a third party is brought against the Company, its directors and employees, representatives, suppliers, and
The User agrees to cover any and all fees awarded against or otherwise incurred by or in connection with or originating from any such claim, suit, action, or procedure attributable to any such claim, including but not limited to reasonable attorneys’ fees.
The Company has/may have used publicly accessible information, including some internally created material, in the development of this Website (“Site”) and its content, including photos, text files, etc.
The data on this website is offered “AS IS”. The Company explicitly disclaims any warranties of merchant ability or fitness for a specific purpose and makes no representations as to the accuracy of the materials or contents given herein, either expressly or implicitly, for any purpose. Any loss or harm resulting from the interception of information provided to you over this Site by third parties is not the Company’s responsibility. The Company cannot and does not guarantee the accuracy, authenticity, timeliness, or completeness of any information or data made accessible to you for any specific purpose, even though the material supplied to you on this Site is obtained or assembled from sources the Company believes to be reliable. You agree that neither the Company nor any of its affiliates, directors, officers, or employees will be held responsible or liable in any way for any loss or harm you may experience as a result of any failure or interruption of this Site, or as a result of any other cause relating to your access to, or use of, this Site or the data contained therein. whether or whether the Company or any vendor providing software or service support had any control over the events giving rise to such a cause. Even if the Company or any other party has been informed of the possibility of such losses, the Company will never be liable to you for any direct, special, indirect, consequential, incidental, or other damages of any kind.
Before buying or selling any of the products mentioned on this website, all users are advised to conduct their own research and consult with qualified professionals.
Users see content not supplied by the Company at their own risk if they choose to leave this Site via a link contained herein. The Company has not generated, verified the accuracy of, or otherwise vetted the content to which you link. The Company disclaims all liability for any damages or losses, whether actual, claimed, consequential, or punitive, resulting from any delays, flaws, or omissions in the services, information, or other materials, content, offered in such site. The Company makes no warranties or representations regarding any electronic content given by a third party, including, without limitation, its accuracy, subject matter, quality, or timeliness, and shall have no liability for such content.
The User should keep all such data and information in their own records for use in the event that the Site fails, is inaccessible, or the data or information is lost. The User should not rely on the Site to maintain any User submission.
Depending on when the transaction was logged, all transactions that cannot be completed immediately will be completed during working hours either the same day, the following working day, or some other period that may be set and/or stipulated by the Company.
The rules, regulations, and policies issued by the IRDAI, the Reserve Bank of India, and any other regulatory bodies defining rules/regulations governing the offer of any service on the Website will apply to all transactions made by and on behalf of the Customer.
The Terms and Conditions and all relevant Indian laws apply to the User’s use of the Website, which is owned and administered by the Company. By accessing and browsing this website, the User accepts the Terms and Conditions without limitation or qualification and acknowledges that any other agreement between the User and the Company is superseded and of no further force or effect. This website is provided to the User on the condition that User accepts the Terms and Conditions contained herein, without modification or reservation of any of the terms, conditions, and notices contained herein.
The Company agrees to:
The Customer/Policy holder, represents and warrants that he/she/it:
Now irrevocably authorizes the Company to speak on behalf of the Customer/Policy Holder to the Insurer and to inform the Policy Holder of the Grant of Coverage after Insuring the Policy Holder.
You need to understand your “duty of disclosure” with regard to any insurance you may have and the serious repercussions of not disclosing. It is crucial and in your own best advantage to provide all relevant information when taking out any type of insurance.
The obligation to disclose is the responsibility to provide the underwriter(s) with all “Material” information regarding the risk being considered.
In this sense, “material” refers to all facts that a responsible underwriter (not necessarily the underwriter in question) would want to evaluate when deciding whether or not to accept the risk and, if so, under what conditions and for what price. It’s not necessary for material knowledge to actually raise the danger.
The obligation to disclose remains in effect until the insurance is paid out and “resurrects/revives” in the event that the risk changes throughout the term of the policy or if it is extended or renewed. A particular ongoing disclosure condition or warranty may also be included in the policy’s terms, which would effectively extend the obligation to disclose after the policy’s inception.
It is the policyholder’s responsibility to ensure that all required information is provided, that it is true, correct, and accurate, and that there is no significant omission of information when completing proposal or claim forms or any other relevant insurance or policy-related material document, as well as when providing information to or for underwriters.
If there is a violation of the obligation of disclosure, the underwriter has the power to refuse to provide insurance from the start or this could have a negative effect on how claims are settled.
The Underwriter(s)/Insurer(s) would have the right to pursue recovery of any claims that they have already paid for under the insurance in such cases. In addition, neither the insurer nor us, as the insurance broker, shall be held responsible in any way for improper disclosure of information or for concealing any crucial facts.
According to applicable legislation, the obligation of disclosure and the repercussions of a breach might range from the contract being void from the start to being voidable at the insurer’s discretion.
Please do not hesitate to contact us if you have any questions about the obligation to disclose.
Use of the website is solely at the risk of the User, who fully acknowledges this. On a “as is” and “as available” basis, the Website is made available to you.
The Company expressly disclaims all warranties of any kind, whether express, implied, or statutory, with the exception of the warranties set forth in these Terms and Conditions. This includes, but is not limited to, implied warranties of merchant ability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement.
The Company will not be held accountable or responsible for the veracity, correctness, completeness, mistakes, omissions, typographical errors, disruptions, delays, interruptions, failures, deletions, or defects of any information, research, reports, analyses, quotes, etc., contained in this Website or any portion thereof.
The failure of any equipment owned by the User, a third party, or the Company shall not subject the Company to any direct or indirect obligation to the User or any third party. Any downtime of such equipment shall not be borne by the Company.
The Company makes no guarantees regarding the outcomes that may be attained via the Website or regarding the accuracy or reliability of the information included therein, nor does the Company offer any guarantees regarding the continuity, promptness, security, or absence of errors in relation to access to the Website.
The Company disclaims any warranties with regard to any transactions made through the Website. No oral or written information or advice gained by the User from or through the Website or any other person will, unless specifically indicated above, create any warranty.
Any action made by the User in reliance on the data presented on or by the Website shall not subject the Company to liability.
The Company disclaims responsibility for any virus that the User may download and install on their computer as a result of using the Website. The Website’s content is not guaranteed by the Company to be virus-free for Users or other parties. The Company disclaims all responsibility for any loss, whether direct, indirect, or consequential, that the User may incur as a result of using the Website.
The User’s sole and exclusive recourse is to stop using the Website if he or she is unhappy with any aspect of this Website or any of these Terms and Conditions.
The Company retains the right to place data in the form of a “cookie” or other similar file on a User’s computer in order to alter the Website in order to take into account the User’s preferences.
In no event, including but not limited to negligence, shall the Company, its employees and directors, its suppliers, and its third-party advisors be liable to the User for any direct, indirect, incidental, special, or consequential damages or any damages whatsoever, including but not limited to damages brought on by any virus, personal injury, loss of profits, data, or other intangibles, business interruption, loss of privacy, or any other damages. The provision of services or failure to provide services, or for any information, software, products, services and related graphics obtained through this website, or otherwise arising out of the use of this website, whether based on contract, tort, strict liability or otherwise, or for the cost of procurement of replacement goods and repair & correction services or resulting from the use of this website or obtained, messages received, or transactions entered into through or from the website.
The User acknowledges and agrees that the Company shall not be liable for any damages, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, resulting from interruption, suspension, or termination of the Website, whether or not such interruption, suspension, or termination was justified or not, negligent or intentional, unintentional or intentional, or inadvertent or advertent. The limitation or exclusion of liability or incidental or consequential damages may be prohibited by applicable law. However, the Company’s total responsibility to the User for all damages, losses, and causes of action (whether in contract or tort, including but not limited to, negligence) will never go beyond the User’s, if any, access fee.
Any of these Terms may be amended or supplemented at any time by the Company without prior notice. The Website shall post any revisions to the Terms. The User is free to end their relationship with the Website in line with the termination clause in these Terms if they decide they no longer want to use the Website under these revised terms and conditions. In accordance with these Terms, and without any further action, deed, or writing on the part of any party, the User shall, on and from the date on which the amendment or supplement is notified by display on the Website, be deemed to have accepted the changed terms and conditions by his/her/its continued use/access or visit to the Website.
The legality, validity, or enforce ability of the remaining provisions of this agreement shall not in any way be affected or impaired if at any time any provision of this agreement is or becomes or is judged to be illegal, invalid, or unenforceable in any respect.
Both the Company and the User may give notices under these Terms in writing by hand delivery or postal delivery to the last address the User provided, or in the case of the Company, to the address listed on the Website.
In addition, the Company may also publish notices of general nature, which are applicable to all Users in a newspaper or on its Website. Such notices will have the same effect as a notice served individually to each User.
In the case of hand delivery, notices or instructions sent through cable, telex, facsimile, or electronic communication will be regarded as having been received seven days after posting, whichever comes first. The parties may send each other documents via electronic communication. These documents may be sent as an email, as an attachment to an email, or as a download from the website. If any such document is given to the User by electronic transmission, the Company shall be assumed to have satisfied any legal delivery duty to the User. Any instructions supplied by the User by facsimile or electronic delivery are considered to have been written down.
The validity, construction and performance of this agreement/Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Republic of India.
The Company assumes no responsibility, direct or indirect, for failure to comply with the laws of any nation other than India. The mere fact that a User may access the Website from a nation other than India does not imply that the laws of that nation apply to these Terms, the User’s use of the Website, or the User’s operations on the Website.
Only Indian residents are eligible to use the services offered on the website. However, these services are not accessible to foreign nationals, including non-resident Indians (“NRIs”), in foreign countries where they cannot be provided without first complying with regulatory requirements. Verifying whether the services offered on the Website can be accessed and used in other jurisdictions will be the exclusive responsibility of foreign residents, including NRIs.
However, subject to any applicable regulations, NRIs may make use of the services offered on the Website for their own insurance purposes as well as those of Indian residents.
The website’s services are not intended to be an offer to sell or a solicitation of an offer to buy any policies or goods to anyone in any jurisdiction where doing so would be against the law.
Any rights not expressly granted herein are reserved, the User acknowledges. All former or contemporaneous discussions and proposals, whether electronic, oral, or written, between the User and the Company with regard to this Website are superseded by these Terms and Conditions, which together constitute the entire agreement between the Company and the User with respect to this Website.
The various headings used in this agreement/Terms and Conditions are there for reference purposes only and are not thought to have any bearing on how the relevant sections should be interpreted.
The Company may subcontract and hire advisers to carry out any of its obligations under these Terms and Conditions, subject to applicable legislation. Any affiliate of the Company may take on the Company’s rights and responsibilities under this Agreement.
Privacy Policy as defined separately under this Website shall also form part of this agreement.
User agrees not to host, show, upload, change, publish, transmit, update, or share any information that
After receiving actual knowledge in the form of an order from a court of competent jurisdiction or upon receiving notice from the appropriate government or its agency pursuant to clause (b) of sub-section (3) of section 79 of the Act, the company on whose computer resource the information is stored, hosted, or published shall not host, store, or publish any unlawful information that is prohibited under any law currently in effect with respect to the interest of the sovereignty a being in force.
Despite anything to the contrary contained herein, the Company, in its sole discretion, has the right to immediately revoke the User’s access or usage rights to the Website, computer resource, or both, as the case may be, if the User fails to comply with any applicable laws, the Company’s Privacy Policy, or the user agreement for access or usage of the Website, computer resource.
According to local, state, and federal legislation, the Company complies. The Company will make an effort to provide information under its control or possession, or assistance to any government agency that is legitimately authorised to investigate or protect cyber security activities, for the purposes of identity verification, or to prevent, detect, investigate, or prosecute offences under any laws currently in effect, or for cyber security incidents, as soon as possible, but not later than 72 hours of the receipt of the information. Therefore, any order, notice, or direction issued by the appropriate government may be received and acknowledged by our grievance officer and our legal team.
Within twenty-four hours of receiving a complaint from a person or someone acting on that person’s behalf regarding any content that, at the very least, exposes that person’s private areas, depicts that person as fully or partially nude, shows or depicts that person engaging in any sexual activity, or is impersonative in nature in electronic form, including images of that person that have been artificially altered, the Company shall take appropriate action.
If there is a disagreement between the parties regarding their respective rights or obligations under this agreement, the validity, interpretation, application, or alleged breach of its terms, or any matter related thereto, such as a question regarding the document’s existence or validity, the parties shall first try to resolve the disagreement through mutual negotiation or conciliation. The parties agree to take the matter to court if it cannot be settled amicably within 30 days of the start of the negotiation or conciliation, or within a longer time frame if they so choose. The parties consent to Mumbai’s courts having sole jurisdiction over their dispute.