|Third Party Advertising We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (excluding your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you."We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major websites. No personally identifiable information is collected or used in this process. They do not know the name, phone number, address, email address, or any personally identifying information about the user.""If you would like more information about this practice and to know your choices about not having this anonymous information used by our third party service provider, please click here. You can also read more about online marketing practices and the technologies that support them by visiting the Network Advertising Initiative,s website by clicking here."|
|LegalWe strictly follow the norms of non disclosure and any agreement thereof. It is our endeavor to ensure that the websites linked to us are safe and secure. However we have no control over 3rd party websites. Given our legal responsibilities to legal authorities and regulators, there may be situations when we need to share your information with legal authorities or processes or need to protect our right or comply by terms and conditions.|
|Other sitesThere might be affiliates or other sites linked to our web site. Personal information that you provide to those sites are not our property. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.|
|Associate Partners Life Insurance - AEGON Life Insurance Company Limited., Aviva Life Insurance Company India Limited, Bajaj Allianz Life Insurance Company Limited, Bharti AXA Life Insurance Company Ltd., Birla Sun Life Insurance Co. Ltd , Canara HSBC Oriental Bank of Commerce Life Insurance Company Ltd., DLF Pramerica Life Insurance Co. Ltd., Future Generali India Life Insurance Company Limited, HDFC Standard Life Insurance Co. Ltd , ICICI Prudential Life Insurance Co. Ltd , IDBI Fortis Life Insurance Company Ltd., IndiaFirst Life Insurance Company Limited, ING Vysya Life Insurance Company Ltd., Kotak Mahindra Old Mutual Life Insurance Limited, Life Insurance Corporation of India, Max Life Insurance Co. Ltd, Met Life India Insurance Company Ltd., Reliance Life Insurance Company Limited., Sahara India Life Insurance Co, Ltd., SBI Life Insurance Co. Ltd, Shriram Life Insurance Co, Ltd., Star Union Dai-ichi Life Insurance Co. Ltd., Tata AIG Life Insurance Company Limited.|
|General Insurance - Apollo Munich Health Insurance Company Limited, Bajaj Allianz General Insurance Co. Ltd., Bharti AXA General Insurance Company Limited, Cholamandalam MS General Insurance Co. Ltd., Future Generali India Insurance Company Limited, HDFC ERGO General Insurance Co. Ltd., ICICI Lombard General Insurance Co. Ltd., IFFCO Tokio General Insurance Co. Ltd., L&T General Insurance Company Limited, Max Bupa Health Insurance Company Ltd., National Insurance Co. Ltd., Raheja QBE General Insurance Company Limited, Reliance General Insurance Co. Ltd., Royal Sundaram Alliance Insurance Co. Ltd., SBI General Insurance Company Limited, Shriram General Insurance Company Limited., Star Health and Allied Insurance Company Limited, Tata AIG General Insurance Co. Ltd., The New India Assurance Co. Ltd., The Oriental Insurance Co. Ltd., United India Insurance Co. Ltd., Universal Sompo General Insurance Co. Ltd.|
|Policybazaar understands that the confidentiality, integrity, and availability of your information are vital to our business operations and our own success. We have implemented the ISO/IEC 27001: 2013 standard for all processes supporting the development and delivery of services by Policybazaar. ISO/IEC 27001:2013 is the international standard for management of information security and provides a systematic approach to keep sensitive company information secure. Getting the ISO 27001:2013 certificate is a reassurance for our customers that Policybazaar complies with the highest standards regarding information security.
Policybazaar is ISO/IEC 27001:2013 certified under certificate number - IS 657892
INTELLECTUAL PROPERTY RIGHT POLICY AND MANAGEMENT (IP POLICY)- 2015
ETECHACES MARKETING AND CONSULTING PRIVATE LIMITED (the "Company") has an efficient Intellectual Property Policy and Intellectual Property Management guidelines (Collectively referred to as "IP Policy", hereinafter) in place basically to maintain absolute clarity on IPR related issues such as ownership, rights and obligation of employees and Company, rights and obligation of customers and Company, disclosure of work/ invention, non-disclosure of confidential information, liabilities in case of misappropriation of IP or resolution of IP related disputes strategically.
Intellectual property (IP) is one of our most valuable assets. We rely on various types of intellectual property (such as trademarks, patents, copyrights, trade secrets, domain names, design rights) for our success in the market. IP helps us stay competitive, allows us to fund future successes, and supports each of our jobs at the Company. The Company has a consistent policy of identification of Company's intangible assets, prioritizing them according to Company's business plans, registering, exploiting and safeguarding them in order to benefit fully from IP in terms of revenue, reputation and market share. The Company's IP Policy also envisages protection and management of its own IP well, internally and with it's business partners. We also want to respect the IP of others as we develop our products and services, run our business, and work with business partners.
For clarifications, the term Company wherever used under this IP policy, shall include its Subsidiaries and Affiliates.
The Company has adopted this Policy in order to protect its own IP and minimize the possibility of infringement of Intellectual Property rights of the Company and the third Parties. This IP Policy aims to provide transparent administrative system for the ownership, control and transfer of the IP created and owned by the Company.
This IP Policy is applicable to all the employees, representatives and agents of the Company including its Subsidiaries and Affiliates.
POLICIES, PROCEDURES, AND RECORDS
- Company shall respect intellectual property (IP) and conduct its business in compliance with the IP-related laws as applicable in the jurisdiction of Republic of India and its agreements with other companies.
- Company shall actively protect its own IP.
- Company shall maintain an effective system of IP asset management, including maintaining an inventory and records of IP-related assets and agreements.
- Company shall not knowingly infringe a third party's intellectual property in its products, services, or components, or disclose or use a third party's trade secrets without the express or implied consent of the owner or as permitted by law.
- Company shall not knowingly purchase or use counterfeit or other infringing goods and services in running its business, including counterfeit trademark goods or infringing copyright material (such as software, publications, video, audio, or other content).
- Company shall document and maintain written records of all substantial transactions and uses that involve the exercise of IP rights. (This includes, for example, licenses or assignments of rights; manufacture, reproduction or distribution of patented, trademarked or copyrighted items; and disclosure and use of trade secrets.)
- Company shall require, through binding policies or agreements with employees and contractors that its personnel comply with the applicable IP laws and the Company's IP policies and IP-related provisions in agreements with other companies.
- Company shall develop and implement a management system to help ensure that all personnel follow its IP policies. This management system shall encompass all IP-related policies, procedures and adequate and accurate records necessary to implement, measure, and improve Company's IP protection and compliance program.
IP COMPLIANCE TEAM
Company's IP protection and management shall be implemented through a cross-functional compliance team, overseen by a Director or CFO of the Company or designated senior management. The said compliance team may appoint or engage any advocate or expert from within and/or outside the Company to seek their opinion in carrying out their responsibilities as stated under this IP Policy.
SCOPE AND QUALITY OF RISK ASSESSMENT
Company shall include in its risk assessment of new products, services, and business opportunities, any relevant IP protection risks.
MANAGEMENT OF BUSINESS PARTNERS:
- Company shall require its business partners to conduct their arrangements with the Company in accordance with Company's relevant IP protection policies.
- Company shall conduct initial risk assessment and due diligence on all prospective business partners, which shall include an assessment of such companies' IP protection and management.
SECURITY AND CONFIDENTIALITY MANAGEMENT
- Company shall maintain physical security designed to effectively protect trade secrets(where applicable) and other confidential information, and IP-related records, masters, tools, inventory and related materials.
- Company shall maintain computer and network security effective for protecting trade secrets, other confidential and proprietary information, and IP related records, and for discouraging violations of Company's IP policies on the Company's computers and networks.
- Company and its personnel shall only make trade secrets and other proprietary information available to third parties on a "need to know" basis, and subject to company procedures and written agreements containing adequate confidentiality and other protections.
- Company shall execute written confidential or Non-disclosure agreements with third parties prior to disclosure of any confidential information of the Company to any third party (ies).
- Any IP generated, created or developed by any of the employees/representatives and agents of the Company and/or consultants engaged by the Company, during the term of their employment or engagement as the case may be, for and/or on behalf of the Company, shall be "work made for hire" and shall be assigned by such persons to the Company. Further, the Company shall have the sole and exclusive ownership to such IP generated, developed or created unless otherwise agreed by the Company by way of a written contract or as may be applicable by the relevant IP law.
TRAINING AND CAPACITY BUILDING
- Company shall provide ongoing appropriate level training on IP protection and management to all relevant personnel.
- Company shall provide specialized training to those personnel responsible for the development and implementation of the IP protection, management, and compliance program.
- Company shall provide appropriate level training on IP protection and management for relevant supply chain members.
MONITORING AND MEASUREMENT
- Company shall establish and operate a system to monitor its performance in meeting the Company's relevant IP policies.
- Company shall incorporate the information gained from the IP compliance team through the monitoring system into the overall evaluation of its departments.
CORRECTIVE ACTIONS AND IMPROVEMENTS:
- Company shall maintain a system to track and deal with problems in IP protection, management and compliance found through the monitoring process. The tracking system will identify the corrective action to be taken, the timeline, and the responsible party.
- Company shall develop and implement an annual or other regular improvement plan for IP protection, management, and compliance.
- In case of violation/infringement of any IPR such as trademark infringement by any employee/representative or any third party infringing upon the IPR of the Company, the Compliance Team of the Company would first investigate the matter in association with its Advocates and make recommendations to the Director/CFO for resolution of such violation/infringement including need for any legal course of action.
IP Licensing and Transfer
- The Company may license its IP to any of its Subsidiaries, Affiliates or a third party (ies) through various modes of licensing strategy such as: Exclusive licensing, Sole licensing, Non-Exclusive Licensing, Sub-licensing and licensing in general. The Company shall document such IP licensing through a license Agreement where each such license agreement shall define the terms and conditions for the proper use of IP of the Company.
- The Company may transfer its IP to any of its Subsidiaries, Affiliates or a third party (ies) through a signed IP transfer agreement on the conditions as may be deemed to be fit and proper to the Company.
This Policy shall be governed by the laws of Republic of India and the courts at Gurgaon, Haryana shall have the jurisdiction to the same.
1. Description of Services
In the Site, Policybazaar provides users with access to information primarily about Financial and Insurance products and services including but not restricted to General Insurance, Life Insurance products and related services (including but not limited to renewals) (the "Service"). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that Policybazaar may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. You also agree that Policybazaar reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Policybazaar through email or sms.
2. License and Site Access
Policybazaar grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material 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; any action that imposes or may impose (in Policybazaar's sole discretion) an unreasonable or disproportionately large load on Policybazaar's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Policybazaar to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Policybazaar. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.
The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Policybazaar for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.
4. Your Account
5. Submitted Content
Policybazaar does not claim ownership of any materials you make available through the Site. At Policybazaar's sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant Policybazaar a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content). You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section 4. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site.
6. Disclaimer of Liability and Warranty
The Content, Products, and Services Published on this site may include inaccuracies or errors, Including Pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly reserves the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. Policybazaar makes no representation about the suitability of the information, Software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided "AS IS" without warranty of any kind. Policybazaar disclaims all warranties and conditions that this site, its services or any email sent from Policybazaar, its affiliates, and/or their respective or associated service providers are free of viruses or other harmful components. Policybazaar hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The service providers providing services on this site are independent affiliates and Policybazaar are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. Policybazaar and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall Policybazaar and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Policybazaar and/or its affiliates their respective service providers have been advised of the possibility of such damages.
7. Disclaimer of Online Availability,Impressions, And Click-Throughs
In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.policybazaar.com, its web pages, and any material, information, links, or content presented on the web pages at www.policybazaar.com. Policybazaar.com, its web pages, and any material, information, links, or content presented on the web pages at www.policybazaar.com, may be unavailable for online access at anytime. Advertising sponsors and advertising,if any and if permitted, must be approved by Policybazaar before the posting of any advertising material, information, links, content, banners, and graphics on www.policybazaar.com. Policybazaar reserves the right to accept or to reject any advertising sponsor or any advertising for any reason
8. Cancellation & Refund/Chargeback Terms and Conditions
(a) Free look period Cancellation and Refund
As per the IRDAI rules and regulations, you have the right to cancel your insurance policy within 15(fifteen) days from the date of (online) receipt of insurance policy (referred to as “Free look period”) and refund of your premium amount shall be processed as per the applicable process and procedures followed by the insurer. This Free look facility can be availed only for Life and Health insurance policies, subject to certain other terms and conditions specified by IRDAI. We encourage all our customers to read the insurance policy document carefully and avail the free look facility in case the terms and conditions of the insurance policy document don’t match your insurance requirements. Further, you understand that once you place a cancellation request within the Free look period, the policy gets cancelled and entire premium is refunded to you subject to deduction of (i) charges pertaining to medical tests conducted (ii) administrative and service cost like stamp duty etc. and; (iii )Charges for mortality for the period the policy was in force. Please note such deduction is at the sole discretion of the insurer.
All payments with respect to refunds as stated under this paragraph 1 shall be the sole responsibility of the insurer per the rules and regulations laid down by the IRDAI. You understand that Policybazaar has tied up with RBI authorized payment gateways to allow you to make online payments towards your insurance premium amount and is only acting as a mere facilitator and providing its assistance to its customers for speedy refunds.
You (cardholder) may dispute a transaction carried out through our Website and file a Charegback with your issuing bank for the reversal of that transaction. Chargeback allows transactions to be reversed by you under specified circumstances such as, on account of (i) alleged forgery of the card number / bank account or other details (ii) any charge/debit made on a card that has been listed as a hot listed card or otherwise listed on the card association (Visa, MasterCard, etc.) warning bulletins (iii) duplicate processing of the transaction; or (iv) for other reasons as per applicable rules and guidelines issued by RBI, card Associations, your card/payment instrument issuing bank etc. However, we reserve the right to reject a Chargeback, including but not limited to, under the following circumstances:
1. In the event your medical tests or underwriting is in process with your chosen insurer, not exceeding a period of 3 months from the date of your insurance policy application
2. In the event there is any delay caused on the part of the insurer in conducting medical tests or during the process of medical underwriting or issuance of insurance policy or any service provided by the insurer in connection with the insurance policy issuance, not exceeding a period of 3 months from the date of your insurance policy application
3. In case your insurance policy application is rejected by the insurer, post your medical test
Our Company shall not be liable to you, in any form or manner whatsoever, for any claims, disputes, proceedings which may arise in connection with Chargebacks initiated by you in the circumstances as specified under (a), (b) and (c) herein above.
9. Additional Terms and Conditions of proposal form (applicable for health insurance products only):
(i) You hereby declare, on your behalf and on behalf of all persons proposed to be insured, that the statements, answers and/ or particulars given by you are true and complete in all respects to the best of your knowledge and that you are authorized to propose on behalf of these other persons.
(ii) You understand that the information provided by you will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurer and that the policy will come into force only after full payment of the premium chargeable.
(iii) You further declare that you will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the insurance company.
(iv) You declare that you consent to the insurance company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured/proposer has been made for the purpose of underwriting the proposal and/or claim settlement.
(v) You authorize the Policybazaar/insurance company to share information pertaining to your proposal including the medical records of the insured/ proposer for the sole purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory authority.
(vi) You consent to and authorize any of insurance company’s authorized representatives not being direct employees of the company to seek medical information required for the purpose of policy issuance or claim settlement under this policy from any hospital/medical practitioner that you or any person proposed to be insured/insured has attended or may attend in future concerning any
disease or illness or injury.
(vii) You understand agree that (section 41 of Insurance Act):
a) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers.
b) Any person making default in complying with the provision of this section shall be liable for a penalty which may extend to ten lakh rupees.”
10. Customer Due Diligence requirements (CDD)
You agree and acknowledge that for undertaking any financial transaction through the website, Our Company may undertake client/customer due diligence measurers and seek mandatory information required for KYC purpose which as a customer you are obliged to give, while facilitating your request of insurance requirements with the insurance company(ies), in accordance with applicable PMLA laws and rules. Our Company may obtain sufficient information to establish, to its satisfaction or the insurance company, the identity of each new customer, and the purpose of the intended nature of insurance relationship between you and the insurance company(ies). You agree and understand that you shall ensure that any payment towards insurance premium is remitted only through your bank account or from a joint bank account in which you are a joint holder. In the event, payment towards insurance premium is remitted through a bank account opened in the name of a third party(i.e. not being in your name), you agree and acknowledge that Our Company can undertake enhanced due diligence measures(including any documentation), to satisfy itself relating to customer due diligence requirements. You further agree and acknowledge that, in line with the requirements and obligations under the PMLA Act and rules, all refunds shall be processed by the insurance company(ies) through us to the bank account which was used to remit payment of insurance premium.
11. License Disclaimer
Nothing on any Policybazaar website shall be construed as conferring any license under any of Policybazaar's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.
12. Local Laws
Policybazaar controls and operates this Website from its headquarters in Gurgaon, India and makes no representation that the materials on the website are appropriate or available for use in other locations. If you use this Website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. Disputes if any shall be subject to the exclusive jurisdiction of Courts at Gurgaon.
13. Limitation of Liability
You expressly understand and agree that Policybazaar and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequntial or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Policybazaar has been advised of the possibility of such damages), resulting from use of the site, content or any related services. If, despite the limitation above, Policybazaar or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of Policybazaar and/or Its Affiliates will in no event exceed, in the aggregate, the greater of (a) the service fees you paid to Policybazaar in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100) The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of Policybazaar, Its affiliates, and/or their respective service providers.
You agree to indemnify and hold Policybazaar (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this ToU, your violation of any law or the rights of a third party, or your use of the Site.
15. Electronic Communication
When you use the Site or send emails to Policybazaar, you are communicating with Policybazaar electronically. You consent to receive communications from Policybazaar electronically. Policybazaar may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
16. Site-Provided Email and Postings
The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. Policybazaar is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Policybazaar may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree that you shall not to use any functionality provided by the Site to post content or initiate communications that contain: (i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law; (ii) Advertisements or solicitations of any kind; (iii) Impersonate others or provide any kind of false information; (iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.; (v) Messages by non-spokesperson employees of Policybazaar purporting to speak on behalf of Policybazaar or containing confidential information or expressing opinions concerning Policybazaar; (vi) Messages that offer unauthorized downloads of any copyrighted or private information; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; or (ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message. This prohibition includes but is not limited to a) Using Policybazaar to send messages to people who don't know you or who are unlikely to recognize you as a known contact; b) Using Policybazaar to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases.
The Site or third parties may provide links to other World Wide Web sites or resources. Because Policybazaar has no control over such sites and resources, you acknowledge and agree that Policybazaar is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Policybazaar shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.
18. Access to Password Protected/Secure Areas
Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
19. Modification and Notification of Changes
The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Policybazaar/its parent company and other associated parties and service providers. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Policybazaar or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.
21. Survival of Terms After Agreement Ends
Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only and do not limit the scope or extent of such section. This ToU and the relationship between you and Policybazaar will be governed by the laws of the India without regard to its conflict of law provisions. You and Policybazaar agree to submit to the personal jurisdiction of the courts located in Gurgaon jurisdiction with respect to any legal proceedings that may arise in connection with this ToU. The failure of Policybazaar to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. Policybazaar does not guarantee it will take action against all breaches of this ToU. Except as otherwise expressly provided in this ToU, there shall be no third-party beneficiaries to this ToU. This ToU constitutes the entire agreement between you and Policybazaar and governs your use of the Site, superseding any prior agreements between you and Policybazaar with respect to the Site.
PolicyBazaar intends to provide clear and unbiased information about insurance products and services. The information and data are generic in nature. Our efforts are to offer unbiased, accurate and responsible data to the best of our ability. We are however, in no manner or form responsible for any discrepancies in the data published on our website.
There is no intention or purpose of violating any intellectual property or ancillary rights. All information provided on the portal PolicyBazaar is subject to it’s discretion and is likely to change without any notice. Though, any changes in public utility will be communicated on our portal.
Although we have tried to maintain high standards in quality, clarity and accuracy of the material posted on the portal. PolicyBazaar is not legally responsible for the same in any manner what so ever.
Employees, partners and associated staff of PolicyBazaar are not accountable for any loss, harm or damage that occurs or may occur or arise from the usage of information from the portal. Customers are advised to use their own discretion in such matters.
It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the customer to understand the limitations of insurance policies and the risks involved, and under no circumstance, form or manner, do we take any liability in such cases.We also recommend you to please read the subject and offer documents carefully. The information provided on the portal is for financial and insurance purposes.
It is a mutual understanding between us and the customers that their association with the portal will be at the customer's sole discretion and risk.
Visitors to this website/portal and every third party is hereby informed that the owners of this website/portal, viz., Policybazaar Insurance Web Aggregator Private Limited , are not the agents, corporate agents, related party or intermediaries of the insurers, whose products are dealt with in this website/portal. They are also not the sub-agents or sub-intermediaries of the agents and intermediaries of the respective insurers. Though endeavour is made to make correct policy/product comparisons, quotes, features, etc., based on the information provided by the insurers, it is made abundantly clear that Policybazaar Insurance Web Aggregator Private Limited , its directors, shareholders, officers and employees and Policybazaar.com are in no way responsible to or liable for any one for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.