Privacy Statement

Religare Insurance Broking Limited is firmly committed to protecting your privacy and the confidentiality of your Personal Information. We understand your privacy and security concerns regarding the information we collect, use and disclose to third parties for the purpose of allowing us to provide and offer our products and services to you. To notify you about our practices, we have developed this Privacy Policy. Any personally identifiable information collected on this Site is considered Personal Information (“Personal Information”) and will be treated in accordance with this Privacy Policy. We will not exchange or sell or otherwise distribute your Personal Information without your consent. This will be required when you purchase insurance of any company from our website. This shared information will be the proposal form details which are mandatory requirement for policy generation.

Use of Information

Personal information relating to you will be kept confidential. We will use the information primarily for the following purposes:

• Allow you to access specific account information;

• Providing customization: We may use the information provided by you to customize your visit to the Web Site by displaying appropriate content at our judgment and discretion;

• To send you information about us and our products;

• To contact you when required.

Disclosure of Information

While we will not voluntarily disclose your information with us to any person, unless acting under a good faith that such action is necessary to:

• Conform to legal requirements or comply with legal process either required by a court order or by government authorities;

• Protect and defend our rights or property;

• Enforce the Terms and Conditions; or

• Protect the interests of our business, members or affiliates.

Links to other sites

The Web Site may contain links to other sites and/or portals on the Internet. While we intend to link only to such sites that share our high standards and respect for privacy, we are not responsible for the content or the privacy practices employed by such other sites. Please be aware that websites that have links from our site may collect personally identifiable information about you. This privacy statement does not cover the information and disclosure practices of those web sites. You should be aware that your use of these third-party websites may be subject to separate terms and conditions, information collection practices, and other provisions. Religare Insurance Broking Limited does not endorse, nor is it responsible for, any of the products, services, or content offered in any third-party sites. Before using any third-party service, it shall be your sole responsibility to conduct whatever investigation you deem necessary and appropriate.

Change of Policy

Religare Insurance Broking Limited reserves the right to change this Privacy Policy, at any time by posting such revisions or updated privacy policy on the Web Site. The Privacy Policy is not intended to, and does not create any, contractual or other legal rights in or on behalf of any party.

Terms and Conditions

Conditions of Use

By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. Religare Insurance Broking Limited reserves the right to change the terms and conditions and notices on this website. It shall be the sole responsibility of the user to regularly review these terms and conditions. The user's continued use of the site shall constitute his/her/its acceptance of any such changes to these terms and conditions.

Cookies

This Site may use cookies. Cookies are pieces of information stored by your web browser on behalf of a web site and returned to the web site on request. The only Personal Information a cookie can contain is information you supply. A cookie cannot read data off your hard drive. If this Site uses cookies, certain pages of the Site may not function properly if the cookies are turned off. Please consult your web browser's Help documentation for more information about how to turn cookies on and off for your browser. Cookies are placed on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties. The information that may be maintained by a cookie is used by Religare Insurance Broking Limited solely to help us manage the Site, improve features of the Site and understand usage patterns. This may include such items as: username, the pages visited on the Site; the date and time of the visit; the internet address of the referring site; the version of browser used; the capabilities of the browser; and the search terms used on our search engines.

Limitation of Liability

While Religare Insurance Broking Limited uses reasonable efforts to provide most comprehensive, accurate and up to date information/material on this website. The information and materials are however, subject to change without prior notice. Religare Insurance Broking Limited does not warrant the accuracy, adequacy of completeness of this information or material and expressly disclaims liability for any errors or omissions or delays in updating this information and materials. Religare Insurance Broking Limited makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall Religare Insurance Broking Limited or any of its affiliates, directors, employees, agents, representatives or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Religare Insurance Broking Limited or an Religare Insurance Broking Limited authorized representative has been advised of the possibility of such damages. You must understand and accept that Internet communications may not be secure or error-free and may contain viruses. They may be subject to possible data corruption or accidental. Religare Insurance Broking Limited shall not be liable for, any damages to, or viruses that may infect your computer equipment or other property as a result of your access to, use of, or browsing in the website or downloading of any materials, data, text, images, video, or audio from this website.

Restrictions on use of Materials

This website is owned and maintained by Religare Insurance Broking Limited except as otherwise expressly permitted by Religare Insurance Broking Limited; you may download material displayed on this website for your personal and non-commercial use only. You shall not reverse engineer, decompile, disassemble copy, reproduce, distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without prior written permission of Religare Insurance Broking Limited.

Religare Insurance Broking Limited neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Religare Insurance Broking Limited.

Privacy and Ownership of Information

Unless otherwise expressly set forth herein, any information, communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions shall be treated as non confidential and non -proprietary. Religare Insurance Broking Limited shall have no liability or obligation with respect to such material, information or communications. Religare Insurance Broking Limited shall be free to use such information, communications or material for any purpose whether commercial or non-commercial , including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Furthermore, Religare Insurance Broking Limited is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

No Duty to Update

All contents and information on the website are updated as of date only. We assume no responsibility to update or amend and consequences of any information being updated from time to time.

Copyright

All content of the Religare Insurance Broking Limited are protected by copyright with all rights reserved. All rights in the pages, site content and arrangement are owned by Religare Insurance Broking Limited. Any rights not expressly granted herein are reserved by Religare Insurance Broking Limited at its sole discretion. You are prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of "framing" technology, publishing, selling, licensing, creating derivative works or using any site content for any purpose without the prior written approval of Religare Insurance Broking Limited.

No unlawful or prohibited use

The website shall not be used by you for any purpose that is unlawful or prohibited. You are prohibited from posting or transmitting to or from the website any threatening, libelous, defamatory, obscene or otherwise offensive material, or material that would violate any law. You shall not use the website in any manner which could damage, disable, overburden, impair the website, or interfere with any other party’s use and enjoyment of the website. The website is not directed or intended for distribution, publication, availability or use by, any person or entity who is a citizen or resident of or located in any locality, state, country or other jurisdiction, where such distribution, publication availability or use would be contrary to law, regulation or which would subject Religare Insurance Broking Limited to any registration or licensing requirements within such jurisdiction, persons in whose possession this document comes, should inform themselves about and observe, any such restrictions. Copy right in this site and information / content therein vests exclusively with Religare Insurance Broking Limited.

The services on the website do not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.

These Terms and Conditions of use are governed by the laws of India. Subject to the arbitration provision herein, you hereby consent to the exclusive jurisdiction of the Courts in Delhi, India for all disputes arising out of or relating to the use of the website. Settlement of disputes shall be through the process of Arbitration by a sole arbitrator appointed by Religare Insurance Broking Limited or its administrators and shall be governed by The Arbitration and Conciliation Act, 1996 including any amendment thereof. The arbitration proceedings shall be conducted in English language and the place of arbitration shall be Delhi.