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                                                                                                                             Last updated: May 18, 2018

Navnit Insurance Broking Private Limited(NIBPL) is an insurance broker, holding a broker license officially issued by the Indian Insurance Regulator – Insurance Regulatory and Development authority. (IRDAI). Please read the below “Terms and Conditions” carefully before using our website. Your access to and use of our service is conditioned on your acceptance of and compliance with these terms. These terms and conditions apply to all visitors, users and others who access or use our service.

SERVICES DESCRIPTION

The terms, descriptions, features, add-ons of insurance policies advertised or sold in our website is detailed out as declarations. Some of these statements are generalized in an attempt to give you a summary of the insurance policies available through policies365.com. Kindly make a note that not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to purchase before purchasing that insurance policy. Upon using our website and providing your personal / contact details, you hereby agree that you are interested in availing and purchasing the services that you have selected. Sharing your contact details with us overrides your registration, if any, under NDNC. You also approve that NIBPL may contact you either electronically or through phone, to understand your interest in the chosen products and services and also provide the best service to meet your requirements. Please note that, the contents of the policies365.com are only for your personal and non-commercial use.

SITE ACESSS LIMITATIONS

As a user of our website, you cannot:
• Introduce any virus or other harmful code into your Account or into any files you upload to your Account;
• upload or submit any material, drawings, images, consent or information which infringes the intellectual property rights of any third party, is in breach of any applicable law, regulation, direction or code of practice, is defamatory, illegal, pornographic or offensive;
• misuse your Account or the Site (including without limitation by hacking), access or seek to access any part of the Site which is not made available to you or attempt to circumvent the Site’s, or your Account’s or any other accounts’ security.

ELIGIBILITY CRITERIA

NIBPL does not offer its services to minors under the age of 18 or to any users suspended or removed from our system.

USER ACCOUNTS

NIBPL allows users to create and manage their own account however, we urge you to provide the most accurate and timely information possible to help us serve you better. Remember to create a strong password to protect your account and the users are responsible for safeguarding their own passwords, while using it in our website or in the linked third party websites. If you find any suspicious activity or unauthorized use of your account, please notify us immediately. We may withdraw access to your Account or the site if you breach these User Account terms or the site terms.

INDEMNITY

By using this site in any manner, you represent and warrant that your use will be consistent with the Terms and Conditions of Use. You agree to indemnify, defend, and hold harmless NIBPL (and its officers, directors, and employees) from all claims, causes, costs, expenses, fees (including reasonable attorneys’ fees), judgments, liabilities, losses, and damages arising from or relating to your content or your use of the Site.

ELECTRONIC COMMUNICATION

NIBPL may send its e-newsletters and other electronic communications either on a regular basis or to meet advertisement demands. These electronic communications highlight the work and role of the

NIBPL and advise our site users, and other industry key stakeholders of relevant information, updates and developments in the Insurance sector. The user is also permitted to electronically communicate to NIBPL by writing e-mails/chats/bots.

REGULATION

These Terms and Conditions shall be governed and construed in accordance with the regulations of IRDA, India, without regard to its conflict of regulatory provisions. Our failure to enforce any right or provision of these T&C will not be considered a waiver of those rights. If any provision of these terms is held to be invalid or unenforceable by the insurance regulator, the remaining provisions of these Terms will remain in effect. These terms constitute the entire agreement between us regarding our service, and supersede and replace any prior agreements we might have between us regarding the service.

COPYRIGHTS AND TRADEMARKS

All rights, including copyright, in this website are owned by or licensed to policies365.com. Any use of this website or its contents, including copying or storing it or them in whole or part, other than for your own personal, non-commercial use is prohibited without the permission of policies365.com. You may not modify, distribute or re-post anything on this website for any purpose. All software used on this site is the property of policies365.com. The contents and software on this site may be used only as a means to suit your insurance needs or purchase insurance policies. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the contents on this site is strictly prohibited.

CHANGES TO T&C

We reserve the right, at our sole discretion, to modify or replace these terms at any time. If a revision is material, we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

THIRD PARTY WEBSITE LINKS

NIBPL has not reviewed/endorsed all pages of the third party websites linked to this site and therefore cannot be liable for their content. Users follow the link to other Websites at their own risk and use these sites according to their terms and conditions. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

DISCLAIMER ON EXCLUSIVE SERVICES

We at NIBPL aim to provide the latest and most innovative services to its users so that our users will be able to make better decisions while purchasing a policy. These include robot logic, carrier claim service ratings, coverage depth and value for money. We urge the users to do their research and due diligence, read all the details before using these services. NIBPL cannot be held accountable for any ignorance of the users before using these services based on our recommendations. You are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. In case you need any further assistance, feel free to contact us or use our live chat support.