Everything in life now comes with an asterisk. This means that there are some conditions
to the contract between us. We try
and keep the surprise down to the minimum. In this case about a million words. But
this has to be done as Insurance is
important and what it offers you must never have grey areas.
Go through this document if you need to. It has everything covered. RR Insurance
Brokers Pvt. Limited (hereinafter
referred to as RR Insurance) operates the website www.rrfinance.in to provide consumers choice and an easy
way to buy
Insurance products from multiple Insurance companies. RR Insurance is not an insurance
company but a licensed Insurance
Broking Company holding a Broking licence from the Indian Insurance Regulator –
Insurance Regulatory and Development
Authority. IRDA broking licence no. IRDA/153
Our participating insurance providers supply some of the information available on
the Website and therefore there may be
inaccuracies in the Website Information over which RR Insurance has limited control.
RR Insurance does not warrant or guarantee the Timeliness, accuracy or completeness
of the Website Information; or
Quality of the results obtained from the use of the Website. To the maximum extent
permitted by law, RR Insurance has no
liability in relation to or arising out of the Website Information and Website recommendations.
You are responsible for the final choice of your product and you should take the
time to read through all information
supplied before proceeding. If you are in any doubt regarding a product or its terms
you should seek further advice from RR
Insurance or the relevant participating provider before choosing your product.
RR Insurance may pass on your personal information to the relevant participating
provider if you apply to purchase a
product through www.rrfinance.in, however, RR Insurance does not guarantee when
or if you will actually acquire the
product that you have chosen. RR Insurance does not accept any liability arising
out of circumstances where there is a delay
in you acquiring the product you have chosen.
Please note that RR Insurance is only collecting or assisting in collecting the
premium deposit on behalf of the insurer you
have chosen to buy the policy. The acceptance of the deposit as premium and final
issuance of the policy is subject to the
underwriting norms and discretion of the Insurer whose policy you have chosen to
buy on which RR Insurance has no
control. RR Insurance will ensure that the insurer refunds the amount in case there
is no ultimate issuance of the policy.
However, RR Insurance does not commit to any timelines over which the insurer will
make this refund.
By visiting our website and accessing the information, resources, services, products,
and tools we provide, you understand
and agree to accept and adhere to the following terms and conditions as stated in
this policy (hereafter referred to as ‘User
Agreement’), along with the terms and conditions as stated in our Privacy Policy
(please refer to the Privacy Policy section
below for more information). This agreement is in effect as of November 17th, 2014.
We reserve the right to change this
User Agreement from time to time without notice. You acknowledge and agree that
it is your responsibility to review this
User Agreement periodically to familiarise yourself with any modifications. Your
continued use of this site after such
modifications will constitute acknowledgement and agreement of the modified terms
and conditions.
Responsible Use and Conduct
By visiting our website and accessing the information, resources, services, products,
and tools we provide for you, either
directly or indirectly (hereafter referred to as ‘Resources’), you agree to use
these Resources only for the purposes intended
as permitted by (a) the terms of this User Agreement, and (b) applicable laws, regulations
and generally accepted online
practices or guidelines.
a) In order to access our Resources, you may be required to provide certain information
about yourself (such as
identification, contact details, etc.) as part of the registration process, or as
part of your ability to use the Resources. You
agree that any information you provide will always be accurate, correct, and up
to date.
b) You are responsible for maintaining the confidentiality of any login information
associated with any account you use to
access our Resources. Accordingly, you are responsible for all activities that occur
under your account/s.
c) Accessing (or attempting to access) any of our Resources by any means other than
through the means we provide, is
strictly prohibited. You specifically agree not to access (or attempt to access)
any of our Resources through any automated,
unethical or unconventional means.
d) Engaging in any activity that disrupts or interferes with our Resources, including
the servers and/or networks to which
our Resources are located or connected, is strictly prohibited.
e) Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources
is strictly prohibited.
f) You are solely responsible any consequences, losses, or damages that we may directly
or indirectly incur or suffer due to
any unauthorised activities conducted by you, as explained above, and may incur
criminal or civil liability.
g) We may provide various open communication tools on our website, such as blog
comments, blog posts, public chat,
forums, message boards, newsgroups, product ratings and reviews, various social
media services, etc. You understand
that generally we do not pre-screen or monitor the content posted by users of these
various communication tools, which
means that if you choose to use these tools to submit any type of content to our
website, then it is your personal
responsibility to use these tools in a responsible and ethical manner. By posting
information or otherwise using any open
communication tools as mentioned, you agree that you will not upload, post, share
or otherwise distribute any content that:
i. Is illegal, threatening, defamatory, abusive, harassing, degrading,
ii. Infringes on any trademark, patent, trade secret, copyright, or other
iii. Contains any type of unauthorised or unsolicited advertising;
iv. Impersonates any person or entity, including any www.rrfinance.in
h) We have the right at our sole discretion to remove any content that, we feel
in our judgment does not comply with this
User Agreement, along with any content that we feel is otherwise offensive, harmful,
objectionable, inaccurate, or violates
any 3rd party copyrights or trademarks. We are not responsible for any delay or
failure in removing such content. If you
post content that we choose to remove, you hereby consent to such removal, and consent
to waive any claim against us.
i) We do not assume any liability for any content posted by you or any other 3rd
party users of our website. However, any
content posted by you using any open communication tools on our website provided
that it doesn’t violate or infringe on
any 3rd party copyrights or trademarks becomes the property of RR Insurance Brokers
Pvt. Limited, and as such, gives us a
perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce,
modify, adapt, translate, publish, publicly
display and/or distribute as we see fit. This only refers and applies to content
posted via open communication tools as
described, and does not refer to information that is provided as part of the registration
process, necessary in order to use our
Resources. All information provided as part of our registration process is covered
by our privacy policy.
j) You agree to indemnify and hold harmless RR Insurance Brokers Pvt. Limited and
its parent company and affiliates, and
their directors, officers, managers, employees, donors, agents, and licensors, from
and against all losses, expenses, damages
and costs, including reasonable attorneys' fees, resulting from any violation of
this User Agreement or the failure to fulfill
any obligations relating to your account incurred by you or any other person using
your account. We reserve the right to
take over the exclusive defence of any claim for which we are entitled to indemnification
under this User Agreement. In
such event, you shall provide us with such cooperation as is reasonably requested
by us.
k) Any disputes arising out of the above will only be tried in the appropriate courts
of Delhi. intimidating, fraudulent,
deceptive, invasive, racist, or contains any type of suggestive, inappropriate,
or explicit language; proprietary right of any
party; employees or representatives.
Privacy
Your privacy is very important to us, which is why we’ve created a separate Privacy
Policy in order to explain in detail how
we collect, manage, process, secure, and store your private information. Our privacy
policy is included under the scope of
this User Agreement. To read our privacy policy in its entirety, click here.
Limitation of Warranties
By using our website, you understand and agree that all Resources we provide are
“as is” and “as available”. This means
that we do not represent or warrant to you that:
• The use of our Resources will meet your needs or requirements.
• The use of our Resources will be uninterrupted, timely, secure or free from errors.
• The information obtained by using our Resources will be accurate or reliable,
and
• Any defects in the operation or functionality of any Resources we provide will
be repaired or corrected.
Furthermore, you understand and agree that:
Any content downloaded or otherwise obtained through the use of our Resources is
done at your own discretion and risk,
and that you are solely responsible for any damage to your computer or other devices
for any loss of data that may result
from the download of such content. No information or advice, whether expressed,
implied, oral or written, obtained by you
from RR Insurance Brokers Pvt. Limited or through any Resources we provide shall
create any warranty, guarantee, or
conditions of any kind, except for those expressly outlined in this User Agreement.
Limitation of Liability
In conjunction with the Limitation of Warranties as explained above, you expressly
understand and agree that any claim
against us shall be limited to the amount you paid, if any, for use of products
and/or services. RR Insurance Brokers Pvt.
Limited will not be liable for any direct, indirect, incidental, consequential or
exemplary loss or damages which may be
incurred by you as a result of using our Resources, or as a result of any changes,
data loss or corruption, cancellation, loss of
access, or downtime to the full the extent that applicable limitation of liability
laws apply.
Copyrights/Trademarks
All content and materials available on www.rrfinance.in, including but not limited
to text, graphics, website name, code,
images and logos are the intellectual property of RR Insurance Brokers Pvt. Limited,
and are protected by applicable
copyright and trademark law. Any inappropriate use, including but not limited to
the reproduction, distribution, display or
transmission of any content on this site is strictly prohibited, unless specifically
authorised by RR Insurance Brokers Pvt.
Limited
Termination of Use
You agree that we may, at our sole discretion, suspend or terminate your access
to all or part of our website and Resources
with or without notice and for any reason, including, without limitation, breach
of this User Agreement. Any suspected
illegal, fraudulent or abusive activity may be grounds for terminating your relationship
and may be referred to appropriate
law enforcement authorities. Upon suspension or termination, your right to use the
Resources we provide will immediately
cease, and we reserve the right to remove or delete any information that you may
have on file with us, including any
account or login information.
Governing Law
This website is controlled by RR Insurance Brokers Pvt. Limited from our offices
located in the state of New Delhi, India. It
can be accessed by most countries around the world. As each country has laws that
may differ from those of Delhi, by
accessing our website, you agree that the statutes and laws of Delhi, without regard
to the conflict of laws and the United
Nations Convention on the International Sales of Goods, will apply to all matters
relating to the use of this website and the
purchase of any products or services through this site.
Furthermore, any action to enforce this User Agreement shall be brought in the federal
or state courts located in New Delhi.
You hereby agree to personal jurisdiction by such courts and waive any jurisdictional,
venue, or inconvenient forum
objections to such courts.
Guarantee
UNLESS OTHERWISE EXPRESSED, RR ISURANCE BROKERS PVT. LIMITED EXPRESSLY DISCLAIMS
ALL
WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT
NOT
LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR
A
PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Contact Information
If you have any questions or comments about these our Terms of Service as outlined
above, you can contact us at:
RR Insurance
Brokers Pvt Ltd
Registered office: 412-422, Indraprakash Building, Barakhamba road
New delhi 110001
Registered with IRDA of India License: IRDA/153
CIN:
U67200DL2000PTC108480