Terms of Use

Welcome to www.insurancepadosi.com website (the "Site")/ My Account (the "Mobile Application"). Insurance Padosi provides its services to you subject to the following conditions. Before you may use the Site / Mobile Application, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use (“TOU”), the linked Privacy Policy and other Legal and Admin Policies. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the TOU without prior notice, and your continued access or use of this Site / Mobile Application signifies your acceptance of the updated or modified TOU. By agreeing to these Terms Of Use, you hereby provide a formal mandate to Insurance Padosi to represent you to the insurer and communicate the grant of a cover to you after effecting the insurance. Such mandate shall be valid for a period of 18 months, unless otherwise agreed between Insurance Padosi and you.

Service Description

Within the Site/Mobile Application, Insurance Padosi grants users access to comprehensive information primarily related to Financial and Insurance products and services. This encompasses, but is not limited to, General Insurance, Life Insurance products, and associated services, including renewal options (collectively referred to as the "Service"). You are responsible for procuring access to the Site/Mobile Application, which may entail third-party charges such as those from your Internet service provider or for airtime. Furthermore, you are obligated to provide and maintain all necessary equipment to access the Site/Mobile Application. By utilizing this Site/Mobile Application and providing your personal/contact details, you hereby express your interest in obtaining and purchasing the selected Service(s). You also consent to Insurance Padosi reaching out to you electronically or via phone to better comprehend your preferences regarding the chosen products and Service(s), including renewal reminders and related matters. Additionally, you acknowledge that Insurance Padosi reserves the right to share your information with its affiliates and partners, who may contact you through email, telephone, and/or SMS for informational and sales-related purposes. You agree to receive promotional materials and special offers from Insurance Padosi through email or SMS.

Licensing and Access to the Site/Mobile Application

Insurance Padosi grants you a limited license to use the Site/Mobile Application and its services for personal use only. Prohibited activities include downloading or copying content for others, uploading harmful software, bypassing access restrictions, or overloading our infrastructure. Commercial use, fraudulent transactions, and unauthorized linking are also not allowed. Any violations will result in the termination of your license.

Eligibility

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Insurance Padosi 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 / Mobile Application.

Your Account

By using the Site/Mobile Application, you certify your legal eligibility to enter into binding contracts and confirm that you are not restricted from receiving services under Indian laws or other relevant jurisdictions. Your use of the Site/Mobile Application is intended for lawful purchases, either on your own behalf or for individuals you are duly authorized to represent. You will duly apprise these individuals of the applicable Terms of Use (ToU) and Privacy Policy, encompassing all pertinent regulations and limitations, relevant to their purchases. Furthermore, you commit to providing accurate and current personal information as prompted by the Site/Mobile Application. If the information provided is found to be untrue, inaccurate, outdated, or incomplete, or if there are reasonable grounds to suspect this, Insurance Padosi reserves the right to suspend or terminate your account and deny access to the Site/Mobile Application, either temporarily or permanently. It is your responsibility to maintain the confidentiality of your account and password, and to control access to your computer. You are also accountable for all activities occurring under your account. For security reasons, it is strongly recommended that you log out of your account after each session. If you suspect unauthorized use of your account or any security breach, please notify Insurance Padosi immediately. Insurance Padosi retains the sole discretion to refuse service, terminate accounts, or edit or remove content. Additionally, we may deny access to the Site/Mobile Application and our services to anyone at any time, for any reason, including violations of the ToU or Privacy Policy.

Content Submission

Insurance Padosi disclaims ownership of user-submitted content on the Site/Mobile Application. By submitting content, users grant a global, perpetual, royalty-free license to Insurance Padosi for usage, adaptation, public display, and sublicensing. Users confirm they have the right to grant this license. Insurance Padosi is not liable for user content but reserves the right to curate published comments. Users are solely responsible for their submissions and prohibited from sharing unlawful, defamatory, or copyrighted content. Users are accountable for any violations or harm resulting from their submissions.

Compliance with Customer Due Diligence Requirements (CDD)

You acknowledge and consent to our company's obligation to conduct client/customer due diligence when facilitating financial transactions through the website. This process involves collecting mandatory information necessary for Know Your Customer (KYC) compliance, in accordance with applicable laws and regulations, as you seek insurance services from the insurance company(ies). When required, you grant our company the authority to access your credit information through authorized entities. To satisfy customer due diligence requirements and establish the identity of each new customer and the purpose of the insurance relationship, our company may obtain sufficient information to its satisfaction or that of the insurance company. You understand and agree that any insurance premium payment should be made solely from your bank account or from a joint bank account where you are a joint account holder. If an insurance premium payment is made from a bank account not in your name (i.e., a third party's name), you acknowledge that our company may undertake enhanced due diligence measures, including documentation, to meet customer due diligence requirements. Furthermore, in accordance with the requirements and obligations outlined in the Prevention of Money Laundering Act (PMLA) and associated rules, any refunds will be processed by the insurance company(ies) through us to the bank account used for the payment of insurance premiums.

Disclaimer

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED, FOR ITS GENERAL INSURANCE PRODUCTS AND OR THE ADD ON/VALUE ADDED SERVICES OF RESPECIVE COMPANIES/ENTITIES/SERVICE PROVIDERS AND INSURANCE PADOSI, AND ITS SUBSIDIARIES AND GROUP COMPANIES/AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. FOR THE ADD ON/ VALUE ADDED OFFERS/SERVICES/PRODUCTS DISPLAYED ON INSURANCE PADOSI WEBSITE ONLY THE RESPECTIVE COMPANIES/ENTITIES/ SERVICE PROVIDERS ARE RESPONSIBLE AND LIABLE AND INSURANCE PADOSI IS NOT IN ANY BE CONCERNED NOR RESPONSIBLE TO YOU. Insurance Padosi does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that the Insurance Padosi website or the server that makes it available are free of viruses or other harmful components. Insurance Padosi does not warrant or make any representations regarding the use or the results of the use of the materials on the Insurance Padosi Website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Insurance Padosi) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. 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.Insurancepadosi.com, its web pages, and any material, information, links, or content presented on the web pages at www.Insurance Padosi.com. Insurance Padosi.com, its web pages, and any material, information, links, or content presented on the web pages at www.Insurance Padosi.com, may be unavailable for online access at anytime. Advertising sponsors and advertising,if any and if permitted, must be approved by Insurance Padosi before the posting of any advertising material, information, links, content, banners, and graphics on www.Insurance Padosi.com. Insurance Padosi reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

Local Laws

Insurance Padosi complies with local, state, and central laws. We aim to provide information or assistance to authorized government agencies promptly, typically within 72 hours of receiving a lawful order related to identity verification, cybersecurity, or legal matters. Our Grievance officer and legal team are empowered to receive and acknowledge orders, notices, or directions from Appropriate Government bodies, competent authorities, or courts. Please note that Insurance Padosi operates this website from its headquarters in Jodhpur, Rajasthan, India. The materials on the website may not be suitable or available for use in other locations. Users accessing this website from other places are responsible for adhering to local laws, including export and import regulations. Unless explicitly mentioned otherwise, all marketing materials on this website are intended for individuals, companies, or entities in India and comply with prevailing Indian laws. Any disputes shall be exclusively subject to the jurisdiction of the courts in Jodhpur, Rajasthan.

Limitation of Liability

Your explicit understanding and agreement are essential. Insurance Padosi, along with its subsidiaries, affiliates, officers, employees, agents, partners, and licensors, shall not be held liable for any direct, indirect, incidental, special, consequential, or exemplary damages. These damages encompass losses like profit, goodwill, use, data, or other intangible losses, even if Insurance Padosi has been informed of the possibility of such damages. These damages result from the use of the Site/Mobile Application, its content, or related services. In cases where, despite the aforementioned limitations, Insurance Padosi or its affiliates are determined to be liable for losses or damages arising from the described circumstances, the liability of Insurance Padosi and/or its affiliates will not exceed, in total, the greater of (a) the service fees you paid to Insurance Padosi in connection with such transaction(s) on this Site/Mobile Application, or (b) One Thousand Rupees (INR 1000). This limitation of liability represents a risk-sharing arrangement between the parties. The specified limitations in this section will persist and apply even if any limited remedy detailed in these terms is deemed to have failed in its essential purpose. These limitations of liability extend to the benefit of Insurance Padosi, its affiliates, and their respective service providers.

Indemnity

You agree to indemnify and hold Insurance Padosi (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 / Mobile Application.

Electronic Communication

When you use the Site / Mobile Application or send emails to Insurance Padosi, you are communicating with Insurance Padosi electronically. You consent to receive communications from Insurance Padosi electronically (including your email ID and WhatsApp). Insurance Padosi may communicate with you by email or by posting notices on the Site / Mobile Application or by phone or usually available means of communication (including WhatsApp). 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.

Content posted by users & non-users

The Site / Mobile Application may provide users with the ability to send email messages to other users and non-users and to post messages on the Site / Mobile Application. Insurance Padosi is under no obligation to review any messages, information or content posted on the Site / Mobile Application by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Insurance Padosi may from time to time monitor the Postings on the Site / Mobile Application and may decline to accept and/or remove any email or Postings that include:- 1. Unlawful, harmful, or offensive material.2.Advertisements or impersonation.3.Personal information sharing.4.Unauthorized representation of Insurance Padosi.5.Copyright infringement or harmful content.6.Repetitive or chain messages.7. Unsolicited promotional messages.8.Harmful content to children.9.Deceptive or false information.10.Threats or malicious code.11. False or misleading information intended to harm others.

Links

The Site/Mobile Application and third parties may link to external websites or resources. Insurance Padosi is not responsible for their availability, content, or products, and does not endorse them. Insurance Padosi is not liable for any damage or loss resulting from your use or reliance on these external resources.

Notification of Changes

Insurance Padosi may change the Site/Mobile Application, policies, ToU, and Privacy Policy at any time. Significant ToU changes will be announced for 30 days. If you don't use the Site/Mobile Application for 30 days, review the updates before returning. To close your account due to changes, email "Termination" to vaibhav.kathju@gmail.com. Continued use implies acceptance of the new ToU or Privacy Policy.

Intellectual Property Rights

All content of the Insurance Padosi Website is protected by copyright and Intellectual Property Rights [IPR] with all rights reserved with Insurance Padosi. The trademarks, logos, and service marks ("Marks") showcased on the Site/Mobile Application are the exclusive property of Insurance Padosi, its parent company, and affiliated parties and service providers. Users are strictly forbidden from utilizing any Marks for any purpose, including but not limited to their use as metatags on other web pages or websites across the World Wide Web, unless granted written permission by Insurance Padosi or the relevant third party holding the rights to the Marks. All information and content, including any software programs, accessible through the Site/Mobile Application ("Content"), is safeguarded by copyright. Users are expressly prohibited from altering, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or employing any Content found on or obtained through the Site/Mobile Application for commercial or public purposes.

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.

General

If any of these conditions are deemed invalid or unenforceable for any reason, the parties agree that the court should try to uphold the parties' original intent as reflected in the provision. The unenforceable condition will be considered separable and won't affect the validity and enforceability of the remaining conditions. Headings are provided for reference and do not restrict the scope of any section. This Terms of Use (ToU) and your relationship with Insurance Padosi will be governed by the laws of India, without regard to its conflict of law provisions. You and Insurance Padosi consent to the jurisdiction of the courts located in Jodhpur, Rajasthan, for any legal proceedings related to this ToU. The failure of Insurance Padosi to act regarding a breach does not waive its right to act regarding subsequent breaches. Insurance Padosi does not guarantee action against all breaches of this ToU. Except as expressly stated in this ToU, there are no third-party beneficiaries. This ToU represents the entire agreement between you and Insurance Padosi, governing your use of the Site/Mobile Application, and supersedes any prior agreements.

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