POLICYX : TERMS AND CONDITIONS

Web Site Use Agreement

You acknowledge that these terms and conditions of use govern your use of the PolicyX.com Website and that you accept the terms thereof and any subsequent changes.

YOU AGREE TO READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEB SITE AND TO CHECK BACK REGULARLY FOR ANY REVISIONS. If you do not agree to these terms and conditions of use, you may not access or otherwise use this PolicyX.com website

By visiting the PolicyX.com, you expressly consent to the collection and use by it of personally identifiable information according to the Privacy Protection Policy terms.

Description of Services

Our website contains statements regarding the terms of insurance policies, including details of the benefits available and items not covered by such policies. Some of these statements are generalized in an attempt to give you a summary of the insurance policies available through PolicyX.com. However, not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to purchase prior to purchasing that insurance policy.

PolicyX.com reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement, in whole or in part, at any time. Notification of changes in the Agreement will be posted on the PolicyX.com website and your continued use of the website after such notice of changes signifies your acceptance of the changes.

NOTE :- The contents of the PolicyX.com Website are only for your personal, non-commercial use. All materials contained on the PolicyX.com Website are protected by copyright, and are owned or controlled by PolicyX.com or the party credited as the provider of the Content. You will abide by any and all additional copyright notices, information, or restrictions contained in any Content on the PolicyX.com Website. You may download and make copies of the Content and other downloadable items displayed on this PolicyX.com Website for personal, noncommercial use only, provided that you maintain all copyright and other notices contained in such Content. Copying or storing of any Content for other than personal, noncommercial use is expressly prohibited without the prior written permission from PolicyX.com or the copyright holder identified in the individual Content's copyright notice.

Eligibility

Minimum eligibility 18 years old.

Limited Permission and Site Access

You represent, warrant and pledge that:

You shall not upload, post or transmit to or distribute or otherwise publish through the PolicyX.com website any materials which restrict or inhibit any other user from using and enjoying the PolicyX.com website, which are unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate law, violate, plagiarize or infringe the rights of third parties including, without limitation, copyright, trademark, patent, rights of privacy or publicity or any other proprietary right, contain a virus or other harmful component, contain any information, software or other material of a commercial nature, contain advertising of any kind, or constitute or contain false or misleading indications of origin or statements of fact.

Indemnity

You hereby agree to indemnify, defend and hold Policyx.com and its director, owners, agents, employees, information providers, affiliates, licensors and licensees (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of the Agreement or the foregoing representations, warranties and covenants, including, without limitation, attorneys' fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. PolicyX.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of PolicyX.com.

Jurisdiction /Legal

Information submitted via our website will be held confidential and will be used for insurance purposes only. Completion and/or submission of the applications or request for additional information does not constitute the purchase of insurance, nor does it represent any agreement to provide coverage under any insurance policy. No coverage will be bound, added, altered or changed as a result of submitting a request for information or quotation of insurance.

Refund Policy

(a) Cancellation and Refund

As per the IRDAI rules and regulations, you have the right to cancel your insurance policy within 15(fifteen) days from the date of (online) receipt of insurance policy (referred to as “Free look period”) and refund of your premium amount shall be processed as per the applicable process and procedures followed by the insurer. This Free look facility can be availed only for Life and Health insurance policies, subject to certain other terms and conditions specified by IRDAI. We encourage all our customers to read the insurance policy document carefully and avail the free look facility in case the terms and conditions of the insurance policy document don’t match your insurance requirements.

Further, you understand that once you place a cancellation request within the Free look period, the policy gets cancelled and entire premium is refunded to you subject to deduction of (i) charges pertaining to medical tests conducted (ii) administrative and service cost like stamp duty, transaction cost, etc. and; (iii) Charges for mortality for the period the policy was in force. Please note such deduction is at the sole discretion of the insurer. Amount will be initiated to be refunded to the customer within 7 days of receipt of refund amount from Insurance Company.

All payments with respect to refunds as stated under this paragraph shall be the sole responsibility of the insurer as per the rules and regulations laid down by the IRDAI. You understand that PolicyX.com has tied up with RBI authorized payment gateways to allow you to make online payments towards your insurance premium amount and is only acting as a mere facilitator and providing its assistance to its customers for speedy refunds. PolicyX.com has no liability and will make no refund in causes beyond their direct control. In no event shall PolicyX.com be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of any delay in refunds.

(b) Chargebacks

You (cardholder) may dispute a transaction carried out through our Website and file a Charegback with your issuing bank for the reversal of that transaction. Chargeback allows transactions to be reversed by you under specified circumstances such as, on account of (i) alleged forgery of the card number / bank account or other details (ii) any charge/debit made on a card that has been listed as a hot listed card or otherwise listed on the card association (Visa, MasterCard, etc.) warning bulletins (iii) duplicate processing of the transaction; or (iv) for other reasons as per applicable rules and guidelines issued by RBI, card Associations, your card/payment instrument issuing bank etc. However, we reserve the right to reject a Chargeback, including but not limited to, under the following circumstances:

1. In the event your medical tests or underwriting is in process with your chosen insurer, not exceeding a period of 3 months from the date of your insurance policy application

2. In the event there is any delay caused on the part of the insurer in conducting medical tests or during the process of medical underwriting or issuance of insurance policy or any service provided by the insurer in connection with the insurance policy issuance, not exceeding a period of 3 months from the date of your insurance policy application

3. In case your insurance policy application is rejected by the insurer, post your medical test.

Our Company shall not be liable to you, in any form or manner whatsoever, for any claims, disputes, proceedings which may arise in connection with Chargebacks initiated by you in the circumstances as specified under (a), (b) and (c) herein above.

Fees and Charges

PolicyX.com offers a FREE service with no charges from its visitors

Links to other websites & Third Party information

Claim settlement is the sole responsibility and at the discretion of the insurance companies, regulated by IRDA. The settlement will take place between the customers and the respective insurance company and PolicyX.com shall not be responsible for the same in any manner. Although we may assist you in forwarding the case to the insurance company, we shall not be liable to any party involved in case the claim is declined, or honoured.

Trademarks & Copyright

All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of PolicyX.com. Any logos, trade-marks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide belong to PolicyX.com. All rights of PolicyX.com in such intellectual property rights are hereby reserved.

General

Links to and from PolicyX.com Web Site to other third party sites, maintained by third parties, do not constitute an endorsement by PolicyX.com or any of its subsidiaries or affiliates of any third party resources, or their contents. PolicyX.com disclaims any and all responsibility for content contained in any third party materials provided through links from the PolicyX.com Web site.

PolicyX.com will use reasonable efforts to maintain the accuracy or reliability of any statement or other information displayed or distributed through the PolicyX.com Web Site. The information supplied on this website about our products is informational only. You acknowledge that any reliance upon any such statement or information shall be at your sole risk. PolicyX.com reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the PolicyX.com Web Site. Coverage is controlled by the policy purchased, and the particular facts of each situation. To obtain coverage you must submit an application to PolicyX.com. All applications are subject to underwriting approval.

THE POLICYX.COM WEB SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE POLICYX.COM WEB SITE, IS PROVIDED "AS IS." TO THE FULLEST EXTENT PERMISSIBLE BY LAW, POLICYX.COM AND ITS SUBSIDIARIES AND AFFILIATES MAKE NO REPRESENTATION OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE POLICYX.COM WEB SITE OR THE MATERIALS, INFORMATION AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE POLICYX.COM WEB SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE POLICYX.COM WEB SITE OR ANY LINKED SITE. FURTHER, POLICYX.COM AND ITS SUBSIDIARIES AND AFFILIATES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. POLICYX.COM DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE POLICYX.COM WEB SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE POLICYX.COM WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. POLICYX.COM AND ITS SUBSIDIARIES AND AFFILIATES SHALL NOT BE LIABLE FOR THE USE OF THE POLICYX.COM WEB SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN.

Any cause of action you may have with respect to your use of the PolicyX.com Web Site must be commenced within one year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the Agreement, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.