Royal Sundaram
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Disclaimer
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF.
COPYRIGHT © ROYAL SUNDARAM GENERAL INSURANCE COMPANY LTD., 2008. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Royal Sundaram unless otherwise indicated.
No Warranty
The materials and content available on the Website are provided without warranties of any kind, either express or implied, and Royal Sundaram specifically disclaims all warranties, including implied warranties of merchantability or fitness for any purpose. Royal Sundaram does not make any representation or warranty regarding the use, or the results of the use, of the materials and content available on the Website in terms of accuracy, reliability or otherwise. The product information, including the scopes of cover, terms, conditions, exclusions and limitations, available on the Website is not intended to be exhaustive and is indicative in nature.
The Website may contain links to other Websites, web pages and services also operated by other entities or companies, and your use of such sites is also subject to the Terms and Conditions and other terms and guidelines, if any, contained within such given site. Royal Sundaram disclaims all liability for the content and/or materials available on such other sites.
You should assume that everything you see or read on the Website (including but not limited to directories, guides, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the like) is copyrighted / protected by intellectual property laws unless otherwise noted and may not be used except as provided in these Terms and Conditions or in the text on the Website, without the prior written permission of Royal Sundaram. Royal Sundaram neither warrants nor represents that your use of materials displayed on the Website will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by it.
Limitation of Liability
In no event will Royal Sundaram be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Royal Sundaram or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Submissions
All information submitted to Royal Sundaram via this site shall be deemed and remain the property of Royal Sundaram and Royal Sundaram shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information given by any visitor to this site provides Royal Sundaram through this site. Royal Sundaram shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Royal Sundaram having the direct customer relationship or as otherwise specifically agreed or required by law.
Security of Information
The security of your personal and financial details is paramount to us. That is why this Website uses 128-bit encryption that utilises SSL (Secure Sockets Layer). This offers the highest level of security available on the Internet. It works by automatically scrambling the information you send over the web thereby making it seem meaningless. Once it arrives, we have the key to descramble the words.
When you fill in any personal information or payment details, you will be in a secure area of the site. You can check this by looking for a padlock in the bottom corner of your web browser and by making sure the web address starts with "https://". This ensures that when you send your information over the web, it will be encrypted to prevent anyone from reading it.
In some instances, the web page may not display "https://" or a padlock - This is often the case with Websites that use framesets. You can still confirm the security settings on these pages by right clicking on the page and selecting Properties. If the page is secure, the address line will begin with "https://". All the information that we save for you is protected by firewalls and a wide range of IT security measures.
Collecting your Personal Information
Royal Sundaram may collect the information you provide when you:
- Request information from Royal Sundaram's Website
- Use online tools and calculators
- Apply online for products
- Subscribe to online services
- Complete an online form
- Conduct transactions online
- Apply for a job online
- Or chat online
We collect contact information such as your name, address and e-mail address and other details as given in the registration page of our Website. If you purchase a policy from us we will collect financial information such as credit card number and expiration date through the payment gateway of the credit card company or the Internet banking service of your bank. We store this information for our records and in order to verify authenticity of the same. We also collect information such as beneficiary name, address and your relationship to the beneficiary when you buy a policy from us. This is required to maintain a record of your beneficiary details for your insurance with us.
Use of your Personal Information
We will use the information primarily for the following purposes:
- Providing customisation: We may use the information provided by you to customise your visit to the Website by displaying appropriate content at our judgment and discretion
- To send you information about products and services offered by Royal Sundaram, In event you do not wish to receive such information, you may unsubscribe to the facility in the email message received by you
- To contact you for policy reminder notices, claims processing and to keep you updated on the insurance sector and Royal Sundaram through our newsletters
By accessing the Website, the Visitor acknowledges and accepts these Terms and Conditions.
Consulting Services
The availability of the information and guidance as part the Website does not constitute a recommendation by Royal Sundaram, to buy any policies, etc. Discussed therein by Royal Sundaram or any of their personnel. Any decisions will be based solely on the Visitor's own evaluation of the policies / products of Royal Sundaram and his/her need for the same. While adequate care would be taken to ensure completeness, accuracy, etc. of the information / services provided, neither Royal Sundaram nor any of their personnel shall in any circumstance be liable for any loss or damage caused by a Visitor's reliance on information obtained through the Website. It is the sole responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Website and the Visitor should consult his/its own legal counsel, business Advisor and tax Advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.
In respect of any transactions which may be permitted by Royal Sundaram from time to time, Royal Sundaram'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 Royal Sundaram 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.
Terms and Conditions of Use
The Website is deemed to be in use when it is loaded in temporary or permanent memory of your computer.
Restrictions on Use
You agree to use the Website strictly for your personal use. You agree not to use this Website for any illegal purpose or in any manner inconsistent with these Terms and Conditions. You agree not to use, transfer, distribute or dispose of any information contained in the Website in any manner that could compete with the business of Royal Sundaram or otherwise compromise or imperil the interests of Royal Sundaram. You acknowledge that the Website has been developed, compiled, prepared, revised, selected and arranged by Royal Sundaram and others (including certain other information sources) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and may also include trade secrets of Royal Sundaram and such others. You agree to protect the proprietary rights of Royal Sundaram 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 Royal Sundaram or its suppliers of content, equipment or otherwise to protect their and others'''' contractual, statutory and common law rights in the Website. You agree to notify Royal Sundaram in writing promptly upon becoming aware of any unauthorised access or use of the Website by any party or of any claim that the Website infringes upon any copyright, trademark or other contractual, statutory or common law rights. You may download and retrieve data from the Website on your 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 your exclusive personal use only. You further acknowledge that all the intellectual property in the Website continues to vest with us.
You 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 your 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 our 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 pass words 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 autoresponder, or spam on the Website or any processes that are run or are activated while you are not logged on.
Although Royal Sundaram 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, Royal Sundaram 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. You are 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. Royal Sundaram will fully cooperate with any law enforcement authorities or court order requesting or directing Royal Sundaram to disclose the identity of anyone posting any such information or materials.
Access Restriction
We reserve the right to deny to you, at our sole discretion, access to the Website, including any portion thereof, without any prior notice.
Intellectual Property
We grant you the right to access this Website in accordance with these Terms and Conditions, 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, Royal Sundaram and/or by Royal Sundaram'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, are registered and unregistered Trademarks of Royal Sundaram 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 written permission of Royal Sundaram or such third party that may own the Trademarks displayed on the Website. Your 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. You are also advised that Royal Sundaram will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution. We shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to us, to protect our interests therein.
Software Available on the Website
Software or information (if any) that is made available to download from this Website ("Software") is the copyrighted work of Royal Sundaram and/or its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included in the Software. You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.
Indemnification
You agree, at your own expense, to indemnify, defend and hold harmless Royal Sundaram, its directors and employees, representatives, suppliers and Advisors, against any claim, suit, action or other proceeding brought against Royal Sundaram, 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 Royal Sundaram, 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:
- Your use or someone else's use of your access to the Website
- Your use / operation or someone using / operating or conducting any transactions, where applicable
- A violation of the Terms and Conditions contained herein by you or anyone using your or any other computer
- A claim that any use of the Website by you or someone using your 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 unauthorised use of, the Website by you or someone using your computer
- Any misrepresentation or breach of representation or warranty contained herein made by you or
- Any breach of any covenant or agreement to be performed by you hereunder.
You agree to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorney's 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.
Disclaimer of Warranties
You expressly agree that use of the Website is at your sole risk. The Website is provided on an "AS IS" and "AS AVAILABLE" basis.
Except as warranted in these Terms and Conditions, we expressly disclaim 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.
We 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.
We shall not incur any liability direct or indirect, to you or any third party, as a consequence of non-functioning of any equipment belonging to you, any third party or us. We shall not be responsible for any downtime of such equipment.
We do not warrant that access to the Website will be uninterrupted, timely, secure, or error free, nor do we 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.
We make no warranty regarding the transactions entered into through the Website. No advice or information, whether oral or written, obtained by you from or through the Website or any person shall create any warranty not expressly stated herein.
We shall not be liable for any action taken by you based on or relying on the information provided in or by the Website.
We will not be liable for any virus that may enter your system as a result of you using the Website. We make no guarantees to you or third parties that the content contained on the Website would be virus free. We will not be liable for any direct, incidental or consequential loss, which may be caused to you as a result of your use of the Website.
If you are dissatisfied with any portion of this Website or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue using the Website.
Limitation of Liability
Under no circumstances, including but not limited to negligence, shall Royal Sundaram, its employees and directors, its suppliers and its third party Advisors be liable to you 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 other wise, 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 unauthorised access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.
You agree that we 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 our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Website.
Copyright © 2008 Royal Sundaram General Insurance Company Ltd.
Terms And Conditions
DISCLAIMER: Payment of premium beyond the Grace period shall not be made online and should be made at the branch of Aegon Life Insurance Co. Ltd. Aegon Life Insurance shall not be responsible for not processing any online payments made beyond the grace period through the internet by the user. Any dispute arising in respect of payments directly or indirectly connected with lapsation due to payment beyond grace period shall not be entertained and Aegon Life Insurance shall not accept any liability for the lapsation of the policy or any other loss of any nature whatsoever on payments made beyond the grace period. The payment of renewal premium is permitted only by a policyholder for a policy purchased by him. Payment is permitted only by using a personal credit card by the policyholder and no third party payment of renewal premium is permitted. Payment through any Card issued outside India by any institution will not be permitted.
Definitions : In this document the following words and phrases shall have the meanings as set below unless the context indicates otherwise:
· 'PAYMENT GATEWAY' refers to the facility offered by Aegon Life Insurance at its website www.aegonlife.com which provides to the User facility to pay through its own credit card for life insurance premium of the insurance policy purchased from Aegon Life Insurance and such other services as Aegon Life Insurance may decide to provide from time to time. The availability/non-availability of a particular service shall be advised through email, web page of Aegon Life Insurance or written communication. For the purpose of availing payment gateway, the User would need to be a current Internet user or have legal access to the Internet. Aegon Life Insurance will advise from time to time the Internet software such as browsers which are required for using payment Gateway. There will be no obligation on Aegon Life Insurance to support all the versions of these Internet software.
· 'PERSONAL INFORMATION' refers to the information provided by the User to Aegon Life Insurance.
· 'TERMS' refer to terms and conditions herein for use of Payment Gateway.
· 'USER' refers to an existing policyholder of Aegon Life Insurance who has purchased the Aegon Life Insurance policy. In this document all references to the User being referred in masculine gender shall be deemed to include the feminine gender.
· 'POLICY' shall mean the life insurance policy purchased by the User from Aegon Life Insurance and which has not lapsed.
· 'REGISTERED OFFICE' Aegon Life Insurance Co. Ltd, Building No. 3, Third Floor, Unit No. 1, Nesco IT Park, Western Express Highway, Goregaon (East) Mumbai Mumbai-400063.
· Applicability of Terms : These Terms form the contract between the User and Aegon Life Insurance for Internet payment gateway. By using the payment gateway for the first time, the User acknowledges and accepts these Terms. Notwithstanding anything contained herein, all terms and conditions stipulated in the Policy shall continue to apply.
1. Unauthorised Access : The User shall take all necessary precautions to prevent unauthorized and illegal use of payment gateway and therefore shall not disclose the details of its credit card to any other person to prevent its unauthorized use.
2. Maintenance Of Sufficient Balance : The User shall ensure that there are sufficient funds (or prearranged credit facilities) in its credit card for payment of premium through the payment gateway and Aegon Life Insurance shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds and/or credit facilities.
3. Accuracy of Information and Instructions : The User is responsible for the correctness of information supplied to Aegon Life Insurance for use of the payment gateway. Aegon Life Insurance accepts no liability for the consequences arising out of erroneous information supplied by the User. If the User notices an error in the information supplied to Aegon Life Insurance either in the website or any other communication, he shall immediately advise Aegon Life Insurance which will endeavour to correct the error wherever possible on a 'reasonable efforts'. The User is also responsible for the accuracy and authenticity of the instructions provided to Aegon Life Insurance and/or Service provider and the same shall be considered to be sufficient to operate the payment gateway. Aegon Life Insurance shall have no liability or obligation to independently verify the instructions or the authenticity of any transaction from the User. Aegon Life Insurance shall not have any liability or obligation to keep a record of the instructions to provide information to the User or for verifying User's instructions. Aegon Life Insurance may refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any instruction and have the right to suspend the operations through the payment gateway if it has reason to believe that the User's instructions will lead or expose to direct or indirect loss or may require an indemnity from the User before continuing to operate the payment gateway.
4. Liability of the User and Aegon Life Insurance : Neither Aegon Life Insurance nor the service providers shall be liable for any unauthorised transactions occurring through the payment gateway and the User hereby fully indemnifies and holds Aegon Life Insurance and the service providers harmless against any action, suit, proceeding initiated against it or any loss, cost or damage incurred by it as a result thereof. Aegon Life Insurance shall under no circumstance be held liable to the User if the payment gateway is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of Aegon Life Insurance. Under no circumstances shall Aegon Life Insurance be liable for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. Illegal or improper use of the Internet Banking shall render the User liable for payment of financial charges as decided by Aegon Life Insurance or will result in suspension of the operations through the payment gateway.
5. Indemnity : In consideration of Aegon Life Insurance providing the User the payment gateway, the User shall indemnify and hold Aegon Life Insurance and/or the Affiliates, as the case may be, including both their officers, employees and agents, indemnified against all losses and expenses on full indemnity basis which Aegon Life Insurance may incur, sustain, suffer or is likely to suffer in connection with Aegon Life Insurance or Affiliates' execution of the User's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing a service through payment gateway for any action taken or omitted to be taken by Aegon Life Insurance and /or the Affiliates, its officers, employees or agents, on the instructions of the User. The User will pay Aegon Life Insurance and /or the Affiliates such amount as may be determined to be sufficient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature.
6. Disclosure of Information : The User agrees that Aegon Life Insurance and/or Affiliates or their contractors may hold and process his Personal Information and all other information concerning his Account(s) on computer or otherwise in connection with the payment gateway as well as for analysis. The User also agrees that Aegon Life Insurance may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of but not limited to participation in any telecommunication or electronic clearing network, in compliance with a legal directive, for fraud prevention purposes.
7. Change of Terms : Aegon Life Insurance shall have the absolute discretion to amend or supplement any of the Terms at any time. By using any new services as may be introduced by Aegon Life Insurance, the User shall be deemed to have accepted the changed Terms.
8. Non-Transferability : The grant of payment gateway to a User is not transferable under any circumstance and shall be used only by the User.
9. Termination of payment gateway facility : Aegon Life Insurance may at its sole discretion suspend or terminate the payment gateway facility at any time for any reason. The User will remain responsible for any transactions made through the payment gateway until the time of such termination.
10. Notices : Notices under these Terms may be given by Aegon Life Insurance 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 Aegon Life Insurance to its corporate office address as set out hereinabove. In addition, Aegon Life Insurance may also publish notices of general nature, which are applicable to all Users in a newspaper or on its web site located at www.aegonlife.com Such notices will have the same effect as a notice served individually to each User. Notice and instructions will be deemed served 7 days after posting or upon receipt in the case of hand delivery, cable, telex or facsimile.
11. Governing Law : These Terms and/or the operations in the Accounts of the User shall be governed by the laws of India. The Parties hereby agree that any legal action or proceedings arising out of the Terms for Internet Banking shall be brought in the courts or tribunals at Mumbai in Maharashtra in India and irrevocably submit themselves to the jurisdiction of such courts and tribunals. Any provision of the Terms for payment gateway which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of the Terms or affect such provision in any other jurisdiction.
12. General : The clause headings herein are for only for convenience and do not affect the meaning of the relative clause. Aegon Life Insurance may sub-contract and employ agents to carry out any of its obligations under this contract. All costs incurred by the User including telecommunication costs to use the payment gateway would be borne by the User.
13. Assignment : Aegon Life Insurance shall be entitled to sell, assign, or transfer Aegon Life Insurances right and obligations under the Terms. Any such sale, assignment, or transfer shall conclusively bind the User and all other persons. The User, his heirs, legal representatives, executors, administrators and successors are bound by the Terms. However, the User shall not be entitled to transfer or assign any of his rights and obligations hereunder.
14. Cancellation of policy : the User has a period of 30 days from the date of receipt of the policy document to review the terms and conditions of the policy and where the User disagrees to any of those terms or conditions, he has the option to return the policy stating the reasons for his objection, when he shall be entitled to a refund of the premium paid, subject only to a deduction of a proportionate risk premium for the period on cover and the expenses incurred by the insurer on medical examination of the proposer and stamp duty charges. In respect of a unit linked policy, in addition to the deductions under sub-regulation (2) of this regulation, Aegon Life Insurance shall also be entitled to repurchase the unit at the price of the units on the date of cancellation
Disclaimer
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF.
COPYRIGHT © ROYAL SUNDARAM GENERAL INSURANCE COMPANY LTD., 2008. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Royal Sundaram unless otherwise indicated.
No Warranty
The materials and content available on the Website are provided without warranties of any kind, either express or implied, and Royal Sundaram specifically disclaims all warranties, including implied warranties of merchantability or fitness for any purpose. Royal Sundaram does not make any representation or warranty regarding the use, or the results of the use, of the materials and content available on the Website in terms of accuracy, reliability or otherwise. The product information, including the scopes of cover, terms, conditions, exclusions and limitations, available on the Website is not intended to be exhaustive and is indicative in nature.
The Website may contain links to other Websites, web pages and services also operated by other entities or companies, and your use of such sites is also subject to the Terms and Conditions and other terms and guidelines, if any, contained within such given site. Royal Sundaram disclaims all liability for the content and/or materials available on such other sites.
You should assume that everything you see or read on the Website (including but not limited to directories, guides, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the like) is copyrighted / protected by intellectual property laws unless otherwise noted and may not be used except as provided in these Terms and Conditions or in the text on the Website, without the prior written permission of Royal Sundaram. Royal Sundaram neither warrants nor represents that your use of materials displayed on the Website will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by it.
Limitation of Liability
In no event will Royal Sundaram be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Royal Sundaram or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Submissions
All information submitted to Royal Sundaram via this site shall be deemed and remain the property of Royal Sundaram and Royal Sundaram shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information given by any visitor to this site provides Royal Sundaram through this site. Royal Sundaram shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Royal Sundaram having the direct customer relationship or as otherwise specifically agreed or required by law.
Security of Information
The security of your personal and financial details is paramount to us. That is why this Website uses 128-bit encryption that utilises SSL (Secure Sockets Layer). This offers the highest level of security available on the Internet. It works by automatically scrambling the information you send over the web thereby making it seem meaningless. Once it arrives, we have the key to descramble the words.
When you fill in any personal information or payment details, you will be in a secure area of the site. You can check this by looking for a padlock in the bottom corner of your web browser and by making sure the web address starts with "https://". This ensures that when you send your information over the web, it will be encrypted to prevent anyone from reading it.
In some instances, the web page may not display "https://" or a padlock - This is often the case with Websites that use framesets. You can still confirm the security settings on these pages by right clicking on the page and selecting Properties. If the page is secure, the address line will begin with "https://". All the information that we save for you is protected by firewalls and a wide range of IT security measures.
Collecting your Personal Information
Royal Sundaram may collect the information you provide when you:
- Request information from Royal Sundaram's Website
- Use online tools and calculators
- Apply online for products
- Subscribe to online services
- Complete an online form
- Conduct transactions online
- Apply for a job online
- Or chat online
We collect contact information such as your name, address and e-mail address and other details as given in the registration page of our Website. If you purchase a policy from us we will collect financial information such as credit card number and expiration date through the payment gateway of the credit card company or the Internet banking service of your bank. We store this information for our records and in order to verify authenticity of the same. We also collect information such as beneficiary name, address and your relationship to the beneficiary when you buy a policy from us. This is required to maintain a record of your beneficiary details for your insurance with us.
Use of your Personal Information
We will use the information primarily for the following purposes:
- Providing customisation: We may use the information provided by you to customise your visit to the Website by displaying appropriate content at our judgment and discretion
- To send you information about products and services offered by Royal Sundaram, In event you do not wish to receive such information, you may unsubscribe to the facility in the email message received by you
- To contact you for policy reminder notices, claims processing and to keep you updated on the insurance sector and Royal Sundaram through our newsletters
By accessing the Website, the Visitor acknowledges and accepts these Terms and Conditions.
Consulting Services
The availability of the information and guidance as part the Website does not constitute a recommendation by Royal Sundaram, to buy any policies, etc. Discussed therein by Royal Sundaram or any of their personnel. Any decisions will be based solely on the Visitor's own evaluation of the policies / products of Royal Sundaram and his/her need for the same. While adequate care would be taken to ensure completeness, accuracy, etc. of the information / services provided, neither Royal Sundaram nor any of their personnel shall in any circumstance be liable for any loss or damage caused by a Visitor's reliance on information obtained through the Website. It is the sole responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Website and the Visitor should consult his/its own legal counsel, business Advisor and tax Advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.
In respect of any transactions which may be permitted by Royal Sundaram from time to time, Royal Sundaram'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 Royal Sundaram 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.
Terms and Conditions of Use
The Website is deemed to be in use when it is loaded in temporary or permanent memory of your computer.
Restrictions on Use
You agree to use the Website strictly for your personal use. You agree not to use this Website for any illegal purpose or in any manner inconsistent with these Terms and Conditions. You agree not to use, transfer, distribute or dispose of any information contained in the Website in any manner that could compete with the business of Royal Sundaram or otherwise compromise or imperil the interests of Royal Sundaram. You acknowledge that the Website has been developed, compiled, prepared, revised, selected and arranged by Royal Sundaram and others (including certain other information sources) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and may also include trade secrets of Royal Sundaram and such others. You agree to protect the proprietary rights of Royal Sundaram 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 Royal Sundaram or its suppliers of content, equipment or otherwise to protect their and others'''' contractual, statutory and common law rights in the Website. You agree to notify Royal Sundaram in writing promptly upon becoming aware of any unauthorised access or use of the Website by any party or of any claim that the Website infringes upon any copyright, trademark or other contractual, statutory or common law rights. You may download and retrieve data from the Website on your 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 your exclusive personal use only. You further acknowledge that all the intellectual property in the Website continues to vest with us.
You 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 your 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 our 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 pass words 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 autoresponder, or spam on the Website or any processes that are run or are activated while you are not logged on.
Although Royal Sundaram 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, Royal Sundaram 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. You are 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. Royal Sundaram will fully cooperate with any law enforcement authorities or court order requesting or directing Royal Sundaram to disclose the identity of anyone posting any such information or materials.
Access Restriction
We reserve the right to deny to you, at our sole discretion, access to the Website, including any portion thereof, without any prior notice.
Intellectual Property
We grant you the right to access this Website in accordance with these Terms and Conditions, 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, Royal Sundaram and/or by Royal Sundaram'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, are registered and unregistered Trademarks of Royal Sundaram 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 written permission of Royal Sundaram or such third party that may own the Trademarks displayed on the Website. Your 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. You are also advised that Royal Sundaram will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution. We shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to us, to protect our interests therein.
Software Available on the Website
Software or information (if any) that is made available to download from this Website ("Software") is the copyrighted work of Royal Sundaram and/or its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included in the Software. You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.
Indemnification
You agree, at your own expense, to indemnify, defend and hold harmless Royal Sundaram, its directors and employees, representatives, suppliers and Advisors, against any claim, suit, action or other proceeding brought against Royal Sundaram, 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 Royal Sundaram, 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:
- Your use or someone else's use of your access to the Website
- Your use / operation or someone using / operating or conducting any transactions, where applicable
- A violation of the Terms and Conditions contained herein by you or anyone using your or any other computer
- A claim that any use of the Website by you or someone using your 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 unauthorised use of, the Website by you or someone using your computer
- Any misrepresentation or breach of representation or warranty contained herein made by you or
- Any breach of any covenant or agreement to be performed by you hereunder.
You agree to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorney's 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.
Disclaimer of Warranties
You expressly agree that use of the Website is at your sole risk. The Website is provided on an "AS IS" and "AS AVAILABLE" basis.
Except as warranted in these Terms and Conditions, we expressly disclaim 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.
We 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.
We shall not incur any liability direct or indirect, to you or any third party, as a consequence of non-functioning of any equipment belonging to you, any third party or us. We shall not be responsible for any downtime of such equipment.
We do not warrant that access to the Website will be uninterrupted, timely, secure, or error free, nor do we 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.
We make no warranty regarding the transactions entered into through the Website. No advice or information, whether oral or written, obtained by you from or through the Website or any person shall create any warranty not expressly stated herein.
We shall not be liable for any action taken by you based on or relying on the information provided in or by the Website.
We will not be liable for any virus that may enter your system as a result of you using the Website. We make no guarantees to you or third parties that the content contained on the Website would be virus free. We will not be liable for any direct, incidental or consequential loss, which may be caused to you as a result of your use of the Website.
If you are dissatisfied with any portion of this Website or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue using the Website.
Limitation of Liability
Under no circumstances, including but not limited to negligence, shall Royal Sundaram, its employees and directors, its suppliers and its third party Advisors be liable to you 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 other wise, 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 unauthorised access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.
You agree that we 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 our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Website.
Copyright © 2008 Royal Sundaram General Insurance Company Ltd.
Disclaimer
DECLARATION:
- I/We hereby declare, that the above statements, answers and/or particulars given by me are true and complete in all respects to the best of my knowledge and that
- I/We am/are authorized to propose on behalf of these other persons. I/We undertake that the loadings applicable have been informed and understood by me.
- I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurance company and that the policy will come into force only after full receipt of the premium chargeable.
- I/We further declare that I/We will notify in writing any change occurring in the property to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the company.
Disclaimer
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE OR ANY PAGES THEREOF.
COPYRIGHT © ROYAL SUNDARAM GENERAL INSURANCE COMPANY LTD., 2008. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by Royal Sundaram unless otherwise indicated
.
No Warranty
The materials and content available on the Website are provided without warranties of any kind, either express or implied, and Royal Sundaram specifically disclaims all warranties, including implied warranties of merchantability or fitness for any purpose. Royal Sundaram does not make any representation or warranty regarding the use, or the results of the use, of the materials and content available on the Website in terms of accuracy, reliability or otherwise. The product information, including the scopes of cover, terms, conditions, exclusions and limitations, available on the Website is not intended to be exhaustive and is indicative in nature.
The Website may contain links to other Websites, web pages and services also operated by other entities or companies, and your use of such sites is also subject to the Terms and Conditions and other terms and guidelines, if any, contained within such given site. Royal Sundaram disclaims all liability for the content and/or materials available on such other sites.
You should assume that everything you see or read on the Website (including but not limited to directories, guides, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the like) is copyrighted / protected by intellectual property laws unless otherwise noted and may not be used except as provided in these Terms and Conditions or in the text on the Website, without the prior written permission of Royal Sundaram. Royal Sundaram neither warrants nor represents that your use of materials displayed on the Website will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by it.
Limitation of Liability
In no event will Royal Sundaram be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Royal Sundaram or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Submissions
All information submitted to Royal Sundaram via this site shall be deemed and remain the property of Royal Sundaram and Royal Sundaram shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information given by any visitor to this site provides Royal Sundaram through this site. Royal Sundaram shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Royal Sundaram having the direct customer relationship or as otherwise specifically agreed or required by law.
Security of Information
The security of your personal and financial details is paramount to us. That is why this Website uses 128-bit encryption that utilises SSL (Secure Sockets Layer). This offers the highest level of security available on the Internet. It works by automatically scrambling the information you send over the web thereby making it seem meaningless. Once it arrives, we have the key to descramble the words.
When you fill in any personal information or payment details, you will be in a secure area of the site. You can check this by looking for a padlock in the bottom corner of your web browser and by making sure the web address starts with "https://". This ensures that when you send your information over the web, it will be encrypted to prevent anyone from reading it.
In some instances, the web page may not display "https://" or a padlock - This is often the case with Websites that use framesets. You can still confirm the security settings on these pages by right clicking on the page and selecting Properties. If the page is secure, the address line will begin with "https://". All the information that we save for you is protected by firewalls and a wide range of IT security measures.
Collecting your Personal Information
Royal Sundaram may collect the information you provide when you:
- Request information from Royal Sundaram's Website
- Use online tools and calculators
- Apply online for products
- Subscribe to online services
- Complete an online form
- Conduct transactions online
- Apply for a job online
- Or chat online
We collect contact information such as your name, address and e-mail address and other details as given in the registration page of our Website. If you purchase a policy from us we will collect financial information such as credit card number and expiration date through the payment gateway of the credit card company or the Internet banking service of your bank. We store this information for our records and in order to verify authenticity of the same. We also collect information such as beneficiary name, address and your relationship to the beneficiary when you buy a policy from us. This is required to maintain a record of your beneficiary details for your insurance with us.
Use of your Personal Information
We will use the information primarily for the following purposes:
- Providing customisation: We may use the information provided by you to customise your visit to the Website by displaying appropriate content at our judgment and discretion
- To send you information about products and services offered by Royal Sundaram, In event you do not wish to receive such information, you may unsubscribe to the facility in the email message received by you
- To contact you for policy reminder notices, claims processing and to keep you updated on the insurance sector and Royal Sundaram through our newsletters
Acceptance of the Terms
By accessing the Website, the Visitor acknowledges and accepts these Terms and Conditions.
Consulting Services
The availability of the information and guidance as part the Website does not constitute a recommendation by Royal Sundaram, to buy any policies, etc. Discussed therein by Royal Sundaram or any of their personnel. Any decisions will be based solely on the Visitor's own evaluation of the policies / products of Royal Sundaram and his/her need for the same. While adequate care would be taken to ensure completeness, accuracy, etc. of the information / services provided, neither Royal Sundaram nor any of their personnel shall in any circumstance be liable for any loss or damage caused by a Visitor's reliance on information obtained through the Website. It is the sole responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Website and the Visitor should consult his/its own legal counsel, business Advisor and tax Advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.
Evidence of Transactions
In respect of any transactions which may be permitted by Royal Sundaram from time to time, Royal Sundaram'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 Royal Sundaram 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.
Terms and Conditions of Use
The Website is deemed to be in use when it is loaded in temporary or permanent memory of your computer.
Restrictions on Use
You agree to use the Website strictly for your personal use. You agree not to use this Website for any illegal purpose or in any manner inconsistent with these Terms and Conditions. You agree not to use, transfer, distribute or dispose of any information contained in the Website in any manner that could compete with the business of Royal Sundaram or otherwise compromise or imperil the interests of Royal Sundaram. You acknowledge that the Website has been developed, compiled, prepared, revised, selected and arranged by Royal Sundaram and others (including certain other information sources) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and may also include trade secrets of Royal Sundaram and such others. You agree to protect the proprietary rights of Royal Sundaram 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 Royal Sundaram or its suppliers of content, equipment or otherwise to protect their and others'''' contractual, statutory and common law rights in the Website. You agree to notify Royal Sundaram in writing promptly upon becoming aware of any unauthorised access or use of the Website by any party or of any claim that the Website infringes upon any copyright, trademark or other contractual, statutory or common law rights. You may download and retrieve data from the Website on your 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 your exclusive personal use only. You further acknowledge that all the intellectual property in the Website continues to vest with us.
You 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 your 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 our 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 pass words 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 autoresponder, or spam on the Website or any processes that are run or are activated while you are not logged on.
Although Royal Sundaram 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, Royal Sundaram 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. You are 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. Royal Sundaram will fully cooperate with any law enforcement authorities or court order requesting or directing Royal Sundaram to disclose the identity of anyone posting any such information or materials.
Access Restriction
We reserve the right to deny to you, at our sole discretion, access to the Website, including any portion thereof, without any prior notice.
Intellectual Property
We grant you the right to access this Website in accordance with these Terms and Conditions, 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, Royal Sundaram and/or by Royal Sundaram'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, are registered and unregistered Trademarks of Royal Sundaram 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 written permission of Royal Sundaram or such third party that may own the Trademarks displayed on the Website. Your 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. You are also advised that Royal Sundaram will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution. We shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to us, to protect our interests therein.
Software Available on the Website
Software or information (if any) that is made available to download from this Website ("Software") is the copyrighted work of Royal Sundaram and/or its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included in the Software. You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.
Indemnification
You agree, at your own expense, to indemnify, defend and hold harmless Royal Sundaram, its directors and employees, representatives, suppliers and Advisors, against any claim, suit, action or other proceeding brought against Royal Sundaram, 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 Royal Sundaram, 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:
- Your use or someone else's use of your access to the Website
- Your use / operation or someone using / operating or conducting any transactions, where applicable
- A violation of the Terms and Conditions contained herein by you or anyone using your or any other computer
- A claim that any use of the Website by you or someone using your 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 unauthorised use of, the Website by you or someone using your computer
- Any misrepresentation or breach of representation or warranty contained herein made by you or
- Any breach of any covenant or agreement to be performed by you hereunder.
You agree to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorney's 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.
Disclaimer of Warranties
You expressly agree that use of the Website is at your sole risk. The Website is provided on an "AS IS" and "AS AVAILABLE" basis.
Except as warranted in these Terms and Conditions, we expressly disclaim 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.
We 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.
We shall not incur any liability direct or indirect, to you or any third party, as a consequence of non-functioning of any equipment belonging to you, any third party or us. We shall not be responsible for any downtime of such equipment.
We do not warrant that access to the Website will be uninterrupted, timely, secure, or error free, nor do we 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.
We make no warranty regarding the transactions entered into through the Website. No advice or information, whether oral or written, obtained by you from or through the Website or any person shall create any warranty not expressly stated herein.
We shall not be liable for any action taken by you based on or relying on the information provided in or by the Website.
We will not be liable for any virus that may enter your system as a result of you using the Website. We make no guarantees to you or third parties that the content contained on the Website would be virus free. We will not be liable for any direct, incidental or consequential loss, which may be caused to you as a result of your use of the Website.
If you are dissatisfied with any portion of this Website or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue using the Website.
Limitation of Liability
Under no circumstances, including but not limited to negligence, shall Royal Sundaram, its employees and directors, its suppliers and its third party Advisors be liable to you 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 other wise, 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 unauthorised access to or alteration of your transmissions or data, even if we have been advised of the possibility of such damages.
You agree that we 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 our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Website.
Copyright © 2008 Royal Sundaram General Insurance Company Ltd.
Disclaimer
DECLARATION:
- I/We hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers and/or particulars given by me are true and complete in all respects to the best of my knowledge and that I/We am/are authorized to propose on behalf of these other persons.
- I/We undertake that the loadings applicable have been informed and understood by me.
- I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurance company and that the policy will come into force only after full receipt of the premium chargeable.
- I/We further declare that I/We 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 company
- I/We declare and consent to the company seeking medical information from any doctor or from a hospital who at anytime has attended on the life to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the life to be assured/proposer and seeking information from any insurance company to which an application for insurance on the life to be assured/proposer has been made for the purpose of underwriting the proposal and/or claim settlement.
- I/We authorize the company to share information pertaining to my proposal including the medical records for the sole purpose of proposal underwriting and/or claims settlement and with any Government and/or Regulatory authority.