Terms of Use

• Eligibility: The services provided by the website are not available to minors (below 18 years) or any of the users who are restricted by PolicyHub for any concerned reason. If you are not qualified, you may not be able to use this website.
• Use of the PolicyHub Services: Information or data accessed by you via PolicyHub or any part of the Website (including but not limited to the benefits, figures, and prices) is for your personal use only and the distribution or commercial exploitation of such information or data is strictly prohibited. No warranty is given as to the uninterrupted provision of such information or data, its accuracy, or results obtained through its advancement such things.
• Termination/Blocking of Users: PolicyHub will restrict your access to the website if PolicyHub determines, in its reasonable discretion, that you have repeatedly breached these Terms of Use or our Community Guidelines.
• If we receive a valid notification from a third party in accordance with our reporting processes or applicable law that any of the information that has been provided by you is wrong or has been suppressed for unduly benefit or you have been involved in activities that are against the laid law of the land, or if we believe that your conduct or behavior violates our Community Guidelines, we will send you a written warning to this effect. Any user that received more than two of these warnings is liable to have their access to the Website terminated forthwith. We will also restrict your access to our website without warning if ordered to do so by a court, and/or in other appropriate circumstances, as determined by PolicyHub at its discretion.
• Viruses and Malware: PolicyHub recommends that you install appropriate defenses against viruses and other malware before you download any information from this Website. PolicyHub shall accept no liability for any virus or malware contracted as a result of visiting this Website or any other website and will not be liable for any claim, loss, damage, costs, or expenses suffered or incurred by any person as a result of the presence of any virus or malware on this Website or another website.
• Requirement of Due Diligence on behalf of Consumer: You agree and acknowledge that before engaging in any financial transaction through the website, Our Company may take client/customer due diligence measures and request information that you are required to provide for KYC purposes. Our Company may also facilitate your request for insurance requirements with the insurance companies, in accordance with applicable laws and rules. You hereby give your permission and authorization to our Company to contact the permitted entities to get your credit information as needed. You acknowledge and accept that you are responsible for making sure that any payments for insurance premiums come from either your personal bank account or a joint bank account in which you both have ownership. You agree and acknowledge that Our Company can take enhanced due diligence measures (including any documentation) to satisfy itself with regard to customer due diligence requirements in the event that payment for insurance premiums is made through a bank account opened in the name of a third party (i.e., not being in your name).
• Links from our sites: Where our sites contain links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Privacy Policy

Users must voluntarily provide us with their personally identifiable information. Users always have the option to withhold personally identifiable information, but doing so can restrict them from taking part in certain site-related activities. We use the collected personal information for the purpose of:

• To better serve customers, we can reply to your support and customer service requirements more quickly with the information you give us.
• As required to deliver the service, we do not disclose this information to third parties.
• We may utilize the comments you leave on our site to enhance our services.
• To handle payments.
• To conduct a campaign, competition, survey, or other website feature and to send users information about subjects that we think they'll find interesting.
• periodically send emails
• We may use the email address to send User information and updates.
• It may also be used to respond to their inquiries, questions, and/or other requests.
• To prevent unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data maintained on our Site, we implement suitable data collecting, storage, and processing procedures and security measures.
• Web Browser Cookies: Cookies may be used on our site to improve user experience. Cookies are stored on a user's hard drive by their web browser for record-keeping and occasionally to track information about them. A user's web browser can be configured to accept cookies or to notify them when they are being sent. If they do, be aware that some elements of the Site might not operate correctly.
• You agree to this policy by making use of this website. Please don't use our Site if you disagree with this policy. If modifications to this policy are posted and you continue to use the site, it will be assumed that you agree to the changes.

Security

We always use adequate organizational and technical security controls to safeguard the data we gather from you. We employ a variety of electronic, administrative, and physical security measures to guard against accidental loss, destruction, or damage to information as well as against any unauthorized or unlawful use or alteration of information. However, no technique of electronic storage or transmission via the Internet is completely secure. As a result, we are unable to ensure its complete security. Your login information and password must also be kept private and secure, and you are not permitted to give these details to anyone else.

Evidence of transaction

PolicyHub's own records of such transactions, whether they are kept on paper or electronically, shall be considered conclusive and binding for all purposes for any transaction that it may occasionally approve. The transaction's record generated by PolicyHub systems must serve as irrefutable evidence of its veracity and accuracy.

Intellectual property rights

• PolicyHub or its licensors are the owners of the copyrights for the Platform, all Content, and any other works on the Platform. The copyright of PolicyHub is violated by any alteration of the Platform, alteration of the content, or use of the content on the Platform for any commercial purpose. The platform might also include a few trademarks, logos, or service marks (collectively, "Marks"). These trademarks are the exclusive property of PolicyHub. Without first receiving written consent from the PolicyHub in possession of the Marks, you are not allowed to use the Marks in any way. You acknowledge and agree that no right (express or implied) is granted to you in respect of such content through your use of the platform or by accessing any product or service through or at the platform. PolicyHub reserves the right, in its sole discretion, to change or modify the content from time to time.
• You further acknowledge and agree that you must receive PolicyHub’s prior consent before you copy, reproduce, republish, upload, post, transmit, or distribute any of the content made accessible on the Platform. It is expressly disclaimed that downloading any data would result in any harm. It is made clear that any use of the Platform, Content, Marks, or other PolicyHub intellectual property in violation of the terms of this Agreement or any applicable law will be considered an infringement of those rights by PolicyHub, for which the latter may bring the appropriate legal action against the User.

Additional Titional terms and Conditions

(Applicable to Health Insurance products only)

• You hereby declare that, to the best of your knowledge, the statements, answers, and/or particulars provided by you are truthful in all material respects
• You are aware that the information you submit will serve as the foundation for the insurance policy, is subject to the insurer's Board-approved underwriting policy, and that the policy won't go into effect until the entire amount of the applicable premium has been paid.
• You additionally affirm that once the proposal has been submitted but before the insurance company communicates its risk acceptance, you will notice in writing any changes to the occupation or general health of the life to be insured or the proposer.
• You agree that the insurance company may obtain medical information about the person to be insured/proposed from any doctor or hospital who/which has treated the person at any time, as well as from any past or present employers, in order to determine whether the person's physical or mental health is at risk. You also agree that the insurance company may obtain information from any insurer to whom an application for insurance on the person to be insured/proposed has been made.

Choice of law and jurisdiction

These Terms of Use shall be governed by the laws of the Republic of India. Every dispute concerning the interpretation or effect of these Terms of Use and/or your use of the Website must be resolved in the courts or tribunals situated in the Union Territory of New Delhi. You agree to the personal jurisdiction, subject matter jurisdiction, and venue of these courts.

Severability Clause

Any provision of this agreement that is determined to be illegal, void, or for any other reason unenforceable shall be deemed severable and shall not affect the validity and enforceability of the provisions of this Agreement that remain in effect.

Limited Liability Clause

• No business is to be held responsible for misleading the consumer. All the information provided on the website is given under good faith and only to be taken at face value and not to be relied upon to any extent beyond which law requires.
• I agree to PolicyHub Terms of Service