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.rrpolicy.com 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 license from the Indian Insurance Regulator – Insurance Regulatory and
Development Authority. IRDA broking license 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.rrpolicy.com, 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 July 30th, 2021. 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 familiarize 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 unauthorized 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.rrpolicy.com
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 entiretyclick 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.rrpolicy.com, 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