Terms And Conditions

Governing the use of Athena Insurance & Reinsurance Brokers Pvt Ltd’s ("Company") website www.policysmart.in ("Website")

General

Definitions:

In this Agreement, the following expressions shall, unless the context requires otherwise, have the following meanings "Affiliate of Company" shall mean and include:

Any company which is the holding or subsidiary company of the Company; or Person under the control of or under common control with the Company; or Any person, in which the Company has a direct or beneficial interest or control in 51% or more of the voting securities of such person.

For the purpose of this definition of Affiliate, "control" together with grammatical variations when used with respect to any person, means the power to direct the management and policies of such a Person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise.

"Client Care Centre" or "Customer Care Centre" means the client care centre or the customer care centre set up by the Company, to assist the Customers of the Company, User, Visitor(s) to the Website, with respect to various transactions and to furnish information etc.

"Company" means Athena Insurance & Reinsurance Brokers Pvt Ltd, a company incorporated under the Companies Act, 1956, having its Registered Office at Ground Floor, Wellington Business Park 1, Andheri - Kurla Rd, Marol Naka, Andheri East, Mumbai, Maharashtra 400059, Maharashtra, INDIA and registered with the Insurance Regulatory & Development Authority of India as Direct Broker (category –Life & General) bearing License No. 000; Broker Code DB 0000 and a member of the Insurance Brokers Association of India (which term, unless repugnant to the context or meaning thereof, shall mean and include its successors-in-interest, and assigns)

"Customer" means a person, policyholder accessing the Website for obtaining information about various insurance products including access to all facilities that are or may be provided / offered to the User from time to time on the Website.

"Customer Password" means the password or other means of authentication as the Company may specify from time to time provided to/required to be provided to the Customer, and using which the Customer may authorize transactions, which shall include but shall not be limited to downloadable request for proposal, claim forms etc., for various general and life insurance products that are offered by various Insurance Companies. The Company may decide to permit other transactions or to discontinue existing transactions from time to time, further details of which shall be provided on the Website.

"person" means -

An individual; or
A firm; or
A company formed under the Companies Act, 1956/2013; or
A co-operative society registered under the Co-operative Societies Act, 1912 or under any law for the registration of co-operative societies; or
Association or body of individuals, whether incorporated or not.

"Policy" means the various products of the General and Life Insurance companies.

"Policyholder" means a person who purchases insurance Policy through the Company.

"Terms" or "Terms and Conditions" means the terms and conditions for use of the Website, as specified herein, by Visitors, users and Customers.

"Transaction Password" means the password, or other means of authentication as the Company may specify from time to time, that is provided by the Company to the Customer upon provision of which, the Customer would be able to authorise transactions specified by the Company from time to time, further details of which shall be provided on the Website.

"User" means any person having access to the Website for general information about the Company and the products and other facilities/services offered from time to time on/through the Website and includes Visitors, Customers and registered users.

"Website" means https://policysmart.in

"User" in masculine gender shall be deemed to include the feminine and neutral gender and singular includes plural and vice versa.

"includes" should be construed as "without limitation".

"Service Provider" means the Company.

"Services" means the nature of services offered hereunder subject to the IRDA (Insurance Brokers) Regulations, 2018 (as amended from time to time).

"IRDAI" means Insurance Regulatory and Development Authority of India.

"Code of Conduct" means code of conduct as prescribed under the IRDA (Insurance Brokers) Regulations, 2018 (as amended from time to time).

"Insurance Act" means The Insurance Act, 1938 (as amended from time to time).

Applicability of Terms:

These Terms and Conditions, in so far as they refer to the User, form the contract and agreement between such User and the Company unconditionally. By accessing the Website, the User acknowledges and accepts these Terms and Conditions.

TERMS AND CONDITIONS OF USAGE OF THE WEB SITE:

Information Services:

The Company provides the information in this Website about various insurance products available in the Insurance Markets for the benefit of the User. The availability of the information and guidance as part of the Website does not constitute a recommendation by the Company, to buy any insurance policy etc., discussed there in by the Company or any of its personnel. Any decisions to buy insurance policy will be based solely on the User's own evaluation of the policies/products, and his/her/it need for the same. While adequate care would be taken to ensure completeness, accuracy etc., of the information/services provided, neither the Company nor any of its directors, employees, advisors or affiliates shall in any circumstance be liable to any person for any loss or damage caused due to the reliance on information obtained through the Website. It is the sole responsibility of the User to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Website and the User should consult her/his/its own legal counsel, business Advisor and tax Advisor as to the legal, business, tax and related matters concerning any policy(ies) with respect to which guidance is sought or given.

Customer Password and Transaction Password:

In the event that the Company has, or may from time to time, introduce or offer certain services on the Website, which require authentication procedures, the User/Customer would be able to access such services by using the Customer ID and the Customer Password. By using the Customer ID and the Customer Password the User/Customer can authorize the transactions. The Customer may be provided a Transaction Password, which would enable the Customer to carry out such transactions as may be specified from time to time. The Customer would not be able to carry out the transactions without the use of the Transaction Password. The terms governing the Customer ID, Customer Password and Transaction Password are as follows:

Subject to the Terms, the Company shall take reasonable care to ensure the security of and to prevent unauthorized access to the services, which are part of the Website using technology reasonably available to the Company.
The Customer confirms and agrees that s/he/it will be the sole and exclusive owner and is the only authorized user of the Customer ID and the Customer and/or Transaction Passwords and accepts sole responsibility for use, confidentiality and protection of the Customer ID and the Customer and/or Transaction Passwords as well as for all transactions authorized by such password/s and shall ensure that the password/s is/are not revealed to any third party or recorded in any written or electronic form.
If the Customer forgets /loses the Customer ID or the Customer /Transaction Password, or is otherwise desirous of changing the said Passwords, the customer can request for change of the password by using the options available in the Website itself or may send a written request to the Company. The Customer shall be responsible and liable for all transactions that are carried out by the use of the Customer ID or the Customer/ Transaction Password.
Any transaction authorized by using the Customer ID and Customer / Transaction Password is deemed to be that of the Customer and the Company is not responsible for any mistake/error made by the Customer as to the nature of the transaction. If third parties gain access to the services offered through the use of the Customer ID and Customer /Transaction Password, the Customer shall be deemed to be responsible and the Customer hereby indemnifies and holds harmless the Company against any liability, costs or damages arising out of claims or suits by or against such third parties based upon or relating to such access and use. The Customer shall be responsible for providing and maintaining the communications equipment (including personal computers and modems) and telephone or alternative services required at the Customer's end for accessing and using the Website or related services, and for all communications service fees and charges incurred by the Customer in accessing the Website or related services. It is the Customer's responsibility to ensure that no unauthorized person has access to its computer unattended whilst accessing the Website.
The Company would be entitled, at its sole discretion, to seek offline written or other confirmation from the Customer of any transaction as it may deem fit.
The Customer shall immediately notify the Company in writing, delivered via e-mail and/or Registered AD, or notify through the indicated telephone number of the Client Care Centre on the Customer becoming aware of any loss, theft or unauthorized use of the Customer ID and/or Customer/Transaction Password; or any receipt by the Customer of confirmation of any transaction which the Customer did not authorize; or any inaccurate information in the Customer's account balances, transaction history etc. If the Customer fails to notify the Company immediately upon the Customer's knowledge when any of the above conditions occur, neither the Company nor any of their officers, directors, employees, advisors, affiliates or subsidiaries can or will have any responsibility or liability to the Customer or to any other person whose claim may arise through the Customer with respect to any of the circumstances described above. Under no circumstances shall the Company or anyone involved in creating, producing, delivering or managing the services which are part of the Website be liable for any direct, indirect, incidental, special or consequential damages that result from the use of or inability to use the services, or out of any breach of any warranty.
In the event that the certifying authorities and other infrastructure contemplated under the Information Technology Act, 2000 (as amended from time to time), for ensuring secure electronic records and secure digital signatures is notified by the concerned authorities and the infrastructure to enable the same is in place, the Company would have the right to require the Customers to authorise use, operate or otherwise authorise, the transactions by means of digital signatures or other means of authentication as the Company may require and/or discontinue the usage of the Customer Password and the Transaction Password.

Subject to the Terms and Conditions, the Company shall take reasonable care to ensure the security of and to prevent unauthorized access to the services, which are being provided through the Website using technology reasonably available to the Company.

Authority to the Company:

The Customer irrevocably and unconditionally authorizes the Company to carry out his/her/its instructions, effecting such transactions as may be permitted by the Company from time to time, in accordance with these Terms and such other terms as may be specified by the Company. Certain transactions would be effected only after the Customer authorizes it by using the Customer/Transaction Password and the Company shall have no obligation to verify the authenticity of any such duly authorized transaction.

Genuineness of Transactions:

In respect of any transactions which may be permitted by the Company from time to time, the Company’s own records of such transactions, maintained through computer systems or otherwise, shall be accepted as conclusive and binding for all purposes. More particularly, the record of the Company generated by the transaction(s), including the recording of the time of the transaction(s), shall be conclusive proof of the genuineness and accuracy of such transactions.

Selection of Product:

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.

Policy Expiry:

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.

Claims Assistance:

The Website may have information about the Claims Assistance service to be provided by the Company. The provision of claims assistance is only a facility extended to assist the Customer by the Company and it does not in any manner whatsoever assure the approval and payment of the claim by the Insurance Company. The Company would not be responsible whatsoever for delay/non-payment of claims by the Insurance companies.

Right to Alter the Services:

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.

Force Majeure:

The Company/Service Provider shall not be liable for any failure to perform any of its obligations if the performance is prevented, hindered or delayed by a Force Majeure event such as including, without limitation, unavailability of any communication system, sabotage, flood, explosion, civil commotion, strikes or industrial action of any kind, riots, war or acts of government, other cause similar to which is beyond the reasonable control of the Company/Service Provider.

Deemed Use of the Web Site:

The Website is deemed to be in use when it is loaded in temporary or permanent memory of your computer.

Restrictions on Use:

The User agrees to use the Website strictly for personal use. The User undertakes not to use this Website for any illegal purpose or in any manner inconsistent with these Terms and Conditions. The User agrees not to use, transfer, distribute or dispose of any information contained in the Website in any manner that could compete with the business of the Company or otherwise compromise or imperil the interests of the Company. The User acknowledges that the Website has been developed, compiled, prepared, revised, selected and arranged by the Company and others (including certain other information sources) through the application of methods and standards of judgement developed and applied through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and may also include trade secrets of the Company and such others. User agrees to protect the proprietary rights of the Company and all others having rights in the Website or its content during and after the term of this agreement 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 notify the Company in writing promptly upon becoming aware of any unauthorized access or use of the Website by any party/person or of any claim that the Website infringes upon 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 disk (but not on any server or other storage device connected to a network) for his/her/its exclusive personal use only. The User further acknowledges that all the intellectual property in the Website continues to vest with the Company

The User shall not:

Reverse engineer, decompile, disassemble, copy, reproduce, distribute, modify, transmit, perform, reproduce, publish or create derivative works from or in any way exploit any of the services or content in violation of the Terms and Conditions or the laws of any country.
Create a database in electronic or structured manual form by systematically downloading and storing all or any part of the Website, save and except such information as relates to the insurance Policy, if you are a Customer.
Rent, Lease, Sell, Sublicense, or Lend your access to the Website.
Cache or permit caching by any person.
Do any act that violates the Service Provider's intellectual property in the Website.
Engage in any fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use.
Use the Website to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity.
Run mail list or any form of auto-responder, or spam on the Website or any processes that are run or are activated while the User is not logged on.

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.

Access restriction:

The Company reserves the right to deny to any User, at the Company’s sole discretion, access to the Website, including any portion thereof, without any prior notice.

Intellectual Property:

The Company grants you the right to access this Website in accordance with these Terms and Conditions, for personal use and for no other purpose. Please note that the services and content on the Website, including but not limited to text, content, photographs, video, audio and graphics, are either the property of, or used with permission by, the Company and/or by 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 trademarks, logos, slogans and service marks (collectively the "Trademarks") displayed on the Website, may or may not be registered Trademarks of the Company and others. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Website without the prior written permission of the Company or such third party that may own the Trademarks displayed on the Website. Any misuse of the Trademarks displayed on the Website, or any other content on the Website, except as provided in these Terms and Conditions, is strictly prohibited. The User is also advised that the Company will aggressively enforce and protect its intellectual property rights to the fullest extent as permitted by law, including the seeking of criminal prosecution. The Company shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to the Company, to protect its interests therein.

Links to third party websites:

This Website may contain links to websites operated by parties other than the Company. Such links are provided for convenience of the User only and the Company does not control such websites, and is not responsible for their content. The use of such websites is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail. The User agrees to click on the links to, and familiarize with, the terms of use and other terms found in the sites to which this Website may have links to, and abide by them.

The linked websites are not under the Company’s control 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 products offered by or any changes or updates to such websites. The Company is providing these links to the User only as a convenience, and the inclusion of any link does not imply endorsement by the Company of the linked website.

Software Available on the Web Site:

Software or information (if any) that is made available to download from this Website ("Software") is the copyrighted work of the Company and/or its suppliers. The use of the Software by the User is governed by the terms of the end user license agreement, if any, which accompanies or is included in the Software. The User may not install or use any Software that is accompanied by or includes a License Agreement unless the User first agrees to the License Agreement terms.

Indemnification:

The User agrees, at User's own expense, 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 advisors is based on or arises in connection with the use of this Website, or any links therein, including, but not limited to:

The use by the User or someone else's use of the User's access to the Website.
The User's use/operation or someone using/operating or conducting any transactions, through the access of the User where applicable.
A violation of the terms and conditions contained herein by the User or anyone using his/her or any other computer.
A claim that any use of the Website by User or someone using User's computer infringes any Intellectual Property Right of any third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party.
Any deletions, additions, insertions or alterations to, or any unauthorized use of, the Website by the User or someone using User's computer.
Any misrepresentation or breach of representation or warranty contained herein made by the User.
Any breach of any covenant or agreement to be performed by the User hereunder.

The User agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable advocates' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

Legal Disclaimer:

In the preparation of this Website ("Site") and its content including images, text files etc., the Company has/may have used information that is publicly available including some information that is developed in-house.

The information on this Site is provided "AS IS". The Company does not warrant the accuracy of the materials, contents provided herein, either expressly or implied, for any particular purpose and expressly disclaims any warranties of merchantability or fitness for a particular purpose. The Company will not be responsible for any loss or damage that could result from interception by third parties of any information made available to you via this Site. Although the information provided to you on this Site is obtained or compiled from sources the Company believes to be reliable, the Company cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither the Company, nor any of its affiliates, directors, officers or employees, will be liable or have any responsibility of any kind for any loss or damage that you may incur and/or suffer in the event of any failure or interruption of this Site, or resulting from the act or omission of any other party involved in making this Site or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the Site or these materials, contents, whether or not the circumstances giving rise to such cause may have been within the control of the Company or of any vendor providing software or service support. In no event will the Company be liable to you for any direct, special, indirect, consequential, incidental damages or any other damages of any kind even if the Company or any other party have been advised of the possibility thereof.

All Users of this Site should before dealing and/or transacting in any of the products referred to in this Site make their own investigation, seek appropriate professional advice.

In case the User leaves this Site via a link contained herein, and view content that is not provided by the Company, the User does so at his/her/its own risk. The material, content to which you link, will not have been developed, checked for accuracy, or otherwise reviewed by the Company. The Company is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other material, content provided in such site, whether actual, alleged, consequential or punitive. The Company makes no guarantee(s) or representation(s) as to, and shall have no liability for, any electronic material, content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

The Site should not be relied upon to maintain any User submission; all such data and information should be maintained in the User’s own records for use in the event that the Site fails or is unavailable or the data or information is lost.

All transactions, which cannot be carried out instantaneously, would be carried out during working hours either on the same day or on the next working day or such further period as may be determined and/or specified by the Company depending upon the time of logging of the transaction.

All transactions that are carried out by and on behalf of the Customer shall be subject to Government notifications, the rules, regulations and guidelines issued by the IRDAI, Reserve Bank of India, and any other regulatory bodies defining rules/regulations governing the offer of any service on the Website.

The Website is owned and maintained by the Company and the use of the Website by the User is subject to the Terms and Conditions and all applicable Indian laws. This Website is offered 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 and by accessing and browsing this Website, the User accepts, without limitation or qualification, the Terms and Conditions and acknowledges that any other

agreement between the User and the Company are superseded and of no force or effect.

Representations & Warranties

The Company agrees to:

Follow recognised standards of professional conduct and discharge its functions in the interest of the Customers/Policyholders;
Conduct its dealings with Customers /Policyholders with utmost good faith and integrity at all times;
Act in line with the Code of Conduct with care and diligence;
Ensure that the Customer/Policyholder understands his/her relationship with the Company and on whose behalf the Company is acting;
Treat all information supplied by the prospective policy holders as completely confidential to themselves and to the insurer(s) to which the business is being offered;
Confirm that it does not employ agents or canvassers to bring in business;
Give advice only on those matters in which it is knowledgeable and seek or recommend other specialists for advice when necessary;
Explain the procedures to follow in the event of a loss;
Ensure that the consequences of non-disclosure and inaccuracies are pointed out to the prospective Customer / Policyholder;
Avoid influencing the prospective Customer /Policyholder;
Quote terms exactly as provided by insurer;
Provide the Customer / Policyholder with confirmation that insurance has been effected;
Notify changes to the terms and conditions of any insurance contract and give reasonable notice before any changes take effect;
Advise its Policyholders of any insurance proposed on their behalf which will be effected with an insurer outside India, where permitted, and, if appropriate, of the possible risks involved;
Ensure that letters of instruction, policies, and renewal documents contain details of complaints handling procedures;
Accept complaints either by phone or in writing or email;
Acknowledge a complaint within fourteen days from the receipt of correspondence, advise the member of staff who will be dealing with the complaint and the timeline for dealing with it;
Ensure that response letters are sent and inform the complainant of what s/he may do if s/he is unhappy with the response;
Ensure that complaints are dealt diligently;
Advise the Policyholder in writing of the insurance premium and any fees or charges separately and the purpose of any related services;
Ensure that its staff are aware of and adhere to the standards expected of them under the code of conduct prescribed;
Ensure that staff are competent, suitable and have been given adequate training;
Abide by the provisions of the Insurance Act, 1938 (4 of 1938), Insurance Regulatory And Development Authority Act 1999(41 of 1999), code of conduct, rules and regulations made there under which may be applicable and relevant to the activities carried on by them as insurance brokers;
Undertakes to conform to the provisions of Section 41 of the Act, which prohibits rebating and sharing of commission.

REPRESENTATION AND WARRANTIES BY THE CUSTOMER / POLICY HOLDER

The Customer/Policy holder, represents and warrants that he/she/it:

Hereby irrevocably authorises the Company to represent the Customer /Policy holder to the insurer and communicate the grant of a cover to the Policy holder after effecting insurance;
Hereby irrevocably gives mandate to the Company to represent the Customer / Policy holder to the insurer;
Hereby acknowledges that the role of the Company in obtaining insurance from the insurers is that of a representative of the Customer/policy holder;
Hereby acknowledges to be fully aware of the consequences of non-disclosure and inaccuracies;
Acknowledges that the Company has only given information and general advice but has not influenced the decision of prospective Customer /Policy holder;
Undertakes to notify claims promptly and disclose all material facts and subsequent developments as soon as possible;
Undertakes to carefully check the details of information given in the documents and ensure that the information provided is true, fair, and complete disclosure in all respects. And in the event of any discrepancy to bring it to the notice of the Company and the Insurers;
Undertakes to provide details of all subsequent changes that might affect the insurance throughout the duration of the policy;
Undertakes to disclose all material facts within their knowledge and give a fair presentation of the risk.

Duty of Disclosure:

You must be aware of the "duty of disclosure" in relation to any insurance and the severe consequences of non-disclosure. Disclosing all material facts at the time of taking out any insurance is of utmost importance and in your own interest.

The duty of disclosure is a duty to pass on to the Underwriter(s) all "Material" information, relating to the risk under consideration.

"Material" in this context refers to all information, which a prudent Underwriter (not necessarily the Underwriter in question) would wish to take account of, when considering whether or not to accept the risk and, if so, upon what terms and at what price. Material information does not necessarily have to actually increase the risk.

The duty of disclosure continues up until the insurance has been concluded and "resurrects/revives" in the event of any amendment to the risk during the policy period or extension/renewal. It may also be that the terms of the policy include specific on-going disclosure conditions or warranties, which effectively extend the duty of disclosure post inception of the policy.

In completing a proposal or claim form or any other material document relating to insurance or policy and in providing information to or for Underwriters, the accuracy and completeness of all answers, statements and/or information is the policyholder’s own responsibility and it is of paramount importance that all relevant information is provided and that it is true, correct and accurate and there is no material concealment of the information.

In the event that there is a breach of the duty of disclosure, the Underwriter has the right to avoid the insurance from its commencement or this may have an adverse impact at the time of claim settlement.

Under such circumstances, the Underwriter(s) /Insurer(s) would be entitled to seek recovery of any claims already paid by them under the insurance. Further, we as insurance broker, the Insurer shall not be liable legally or otherwise, in the event of an improper disclosure or for concealment of any material information.

The duty of disclosure and the consequences of its breach may vary from the contract being void from inception to being voidable at the discretion of the Insurer, as per applicable laws.

Should you require any clarification on the duty of disclosure, please do not hesitate to get in touch with us.

User's Warranties:

The User expressly agrees that use of the Website is at his/her/it sole risk. The Website is provided on an "as is" and "as available" basis.

Except as warranted in these Terms and Conditions, the Company expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy & completeness, and any warranties relating to non-infringement.

The Company shall not be responsible or liable for the authenticity, accuracy, completeness, errors, omission, typographic errors, disruption, delay, interruption, failure, deletion, defect of any information, research, reports, analysis, quotes etc., in this Website or any part thereof.

The Company shall not incur any liability direct or indirect, to the User or any third party, as a consequence of non-functioning of any equipment belonging to the User, any third party or the Company. The Company shall not be responsible for any downtime of such equipment.

The Company does not warrant that access to the Website will be uninterrupted, timely, secure, or error free; nor does the Company make any warranty as to the results that may be obtained from the Website or as to the accuracy or reliability of the content contained therein.

The Company makes no warranty regarding the transactions entered into through the Website. No advice or information, whether oral or written, obtained by the User from or through the Website or any person shall create any warranty not expressly stated herein.

The Company shall not be liable for any action taken by the User based on or relying on the information provided in or by the Website.

The Company will not be liable for any virus that may enter the User's system as a result of the User using the Website. The Company make no guarantees to User or third parties that the content contained on the Website would be virus free. The Company will not be liable for any direct, incidental or consequential loss, which may be caused to the User as a result of his/her use of the Website.

If the User is dissatisfied with any portion of this Website or with any of these Terms and Conditions, his/her sole and exclusive remedy is to discontinue using the Website.

Use of "cookie" file features:

The Company reserves the right to store information on a User's computer in the form of a "cookie" or similar file for purposes of modifying the Website to reflect User's preferences.

Limitation of liability:

Under no circumstances, 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 punitive or exemplary (including, but not limited to, damages caused by any virus, personal injury, loss of profits, data or other intangible, business interruption, loss of privacy, or any other pecuniary loss), arising out of or in any way connected with the use/delivery/performance of this Website, with the delay or inability to use this Website or any links or items on the Website, the provision of 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 cost of procurement of substitute goods and repair & correction services or resulting from the use of this Website or obtained or messages received or transactions entered into through or from the Website or resulting from unauthorized access to or alteration of User's transmissions or data, even if the Company have been advised of the possibility of such damages.

The User agrees that the Company shall not be liable for any damages arising from interruption, suspension or termination of the Website, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. However, in no event shall the Company’s liability to the User for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by the User, if any, for accessing the Website.

Modification of these Terms and Conditions:

The Company has the absolute discretion to amend or supplement any of these Terms at any time, without notice. The modifications to the Terms shall be displayed on the Website. In case where the User no longer wishes to use the Website on such new terms and conditions he/she/it is entitled to terminate his/her/its relationship in accordance with the termination clause in these Terms. On and from the date on which the amendment or supplement is notified by display on the Website, the User shall, by virtue of these Terms and without any further act, deed or writing on the part of any party, be deemed to have accepted the changed terms and conditions by his/her/its further use/access or visit to the Website.

Severability:

If at any time any provision hereof is or becomes or is held to be illegal, invalid or unenforceable in any respect, the legality, validity or enforceability of the remaining provisions hereof shall in no way be affected or impaired thereby.

Notices:

Notices under these Terms may be given by the Company and the User in writing by delivering them by hand or by sending them by post to the last address given by the User and in the case of the Company to the address mentioned 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, cable, telex, facsimile notices or electronic communication notices or instructions will be deemed served 7 days after posting or upon receipt as the case may be. Documents, which may be sent by electronic communication between the parties, may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Website. The Company shall be deemed to have fulfilled any legal obligation to deliver to the User, if any such document is sent via electronic delivery. Any instructions received from the User by means of electronic delivery or by facsimile would be deemed to have been sent on paper.

Applicable Law:

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.

Jurisdiction:

The Company accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. The mere fact that the Website can be accessed by a User in a country other than India would not mean that the laws of the said country would govern these Terms and/or the Website operations of the User and/or the use of the Website by the User.

The services available on the Website are being offered to Residents of India only. Provided however, that such services are not available to foreign residents including non-resident Indians ("NRI's") in foreign jurisdictions where the services cannot be offered without prior regulatory compliance. It shall be the sole responsibility of foreign residents including NRIs in foreign jurisdictions to verify whether the services available on the Website can be accessed and utilised in their respective jurisdictions.

However, NRI's can utilize the services available on the Website for the insurance requirements of the Residents in India as well as their insurance requirements arising in India, subject to applicable laws.

The services which are part of the Website do not constitute an offer to sell or a solicitation of an offer to buy any policies/products to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.

Entire Agreement:

The User acknowledges that any rights not expressly granted herein are reserved. These Terms and Conditions constitute the entire agreement between the Company and the User with respect to this Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the User and the Company with respect to this Website.

Headings:

The various headings used in this agreement/Terms and Conditions are inserted for convenience of reference and are not deemed to affect the construction of the relative provisions.

Right to Sub-contract:

Subject to applicable laws, the Company may sub-contract and employ advisors to carry out any of its obligations under these Terms and Conditions. The Company may transfer or assign its rights and obligations under this contract to any of its affiliate.

Privacy Policy:

Prohibited Conduct

User will not host, display, upload, modify, publish, transmit, update or share any information that:

Belongs to another person and to which the user does not have any right;
Is defamatory, obscene, pornographic, pedophilic, invasive of another privacy including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;
Is harmful to a child;
Infringes any patent, trademark, copyright or other proprietary rights;
Violates any law for the time being in force;
Deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact;
Impersonates another person;
Threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, decency or morality in relation to contempt of court, defamation or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation as per clause (b) of sub-section (3) of section 79 of Information Technology Act 2000 as amended from time to time;
Contains software virus or any other computer code, file or program designed to interrupt to destroy or limit the functionality of any computer resource;
Is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person.

The Company, on whose computer resource, the information is stored, hosted or published, upon receiving actual knowledge in the form of an order by a court of competent jurisdiction or on being notified by the Appropriate Government or its agency under clause (b) of sub-section (3) of section 79 of the Act, shall not host, store or publish any unlawful information, which is prohibited under any law for the time being in force relation to the interest of the sovereignty and integrity of India; security of the State; friendly relations with foreign States; public order; decency or morality; in relation to contempt of court; defamation; incitement to an offence relating to the above, or any information which is prohibited under any law for the time being in force.

Termination; Agreement Violations

Notwithstanding anything to the contrary stated herein, the Company at its sole discretion has the right to terminate the access or usage rights of the User’s to the Website, computer resource immediately or remove non-compliant information or both, as the case may be in case of non-compliance with applicable rules and regulations, Privacy Policy or user agreement for access or usage of the Website, computer resource of the Company.

Local Laws

The Company is compliant as per the local, state and central laws. The Company shall endeavour to provide information under its control or possession, or assistance to any Government agency which is lawfully authorised to investigate or protect cyber security activities, for the purposes of verification of identity, or for the prevention, detection, investigation, or prosecution, of offences under any law for the time being in force, or for cyber security incidents as soon as possible, but not later than seventy two hours of the receipt of an order or as per the timelines specified in any government or regulatory order. Accordingly, our Grievance Officer and our Legal Team are authorized to receive and acknowledge any order, notice or direction issued by the Appropriate Government, any competent authority, or a court of competent jurisdiction.

Removal of un-called for content:

The Company shall within twenty-four hours from the receipt of a complaint made by any individual or any person on his/her/its behalf in relation to any content which is prima facie in any material exposes the private area of such individual, shows such individual in full or partial nudity or shows or depicts such individual in any sexual act or conduct, or is in the nature of impersonation in an electronic form, including artificially morphed images of such individual, take all reasonable and practicable measures to remove or disable access to such content which is hosted, stored, published or transmitted by it

Dispute Resolution; Arbitration:

In the event of any dispute or difference arising between the parties as to their respective rights or obligations in terms hereof or with regard to validity, interpretation, implementation or alleged breach of the terms of this agreement or incidental here to including any dispute as to the existence or validity hereof, the parties shall attempt in the first instance to resolve such dispute through mutual negotiation/conciliation. If the dispute is not resolved through negotiation within 30 days after the commencement of such negotiation/conciliation or such a longer period as the parties may agree, the parties agree to submit the dispute to a court of law. The parties agree to the exclusive jurisdiction of courts at Mumbai.