This document/agreement is an electronic record in terms of Information Technology Act, 2000 and is published in accordance with the provisions of Rule 3 of the Information Technology (Intermediaries guidelines) 2011, that provides for the due diligence to be exercised by riskfreelife.com. The website provides its Services subject to the conditions mentioned below.
1. Products and Services
The Site provides users with access to information primarily about Financial Services including, but not restricted to, insurance, risk management, policy & plans (the "Services"). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges which are incurred by you.) In addition, you must provide and are responsible for all equipment necessary to access the Site.
By making use of this Site, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that riskfreelife.com may contact you either electronically or through phone, to understand your interest in the selected products and Services and to fulfil your demand. You specifically understand and agree that by using this Site you authorize riskfreelife.com and its affiliates and partners to contact you in for any follow up calls and/or renewal reminders in relation to the insurance Services provided through this Site.
You also agree that riskfreelife.com reserves the right to make your details available to partners and you may be contacted by the partners for information and for sales through email, telephone and/or SMS. You agree to receive promotional materials and/or special offers from riskfreelife.com through email or SMS or by any other means.
For the purposes of this document, "affiliate" means any person, company, or riskfreelife.com directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with riskfreelife.com. (The term "control" as used in the preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. The term "person" includes any natural person, corporation, partnership, limited liability Company, trust, unincorporated association, or any other entity).
2. License, License Disclaimer and Site Access
riskfreelife.com grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as, the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in riskfreelife.com's sole discretion) an unreasonable or disproportionately large load on riskfreelife.com's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools.
You may not bypass any measures used by riskfreelife.com to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by riskfreelife.com. By using the Site you agree not to: (i) use this Site or its contents for any commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand; (iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission; (iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any Service) for any purpose without our express written permission; or (vii) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.
Apart from the information mentioned above, nothing on the Site shall be construed as conferring any license under any of riskfreelife.com's or any third party's intellectual property rights, whether by estoppels, implication, or otherwise.
3. Liability and Warranty
The content, and Services provided through this Site may include inaccuracies or errors, including pricing errors. We do not guarantee the accuracy of, and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, and Services. We expressly reserve the right to correct any pricing errors on the Site and/or on pending reservations made under an incorrect price. riskfreelife.com makes no representation about the suitability of the information, software, products, and Services contained on this Site for any purpose, and the inclusion or offering of any products or Services on this Site does not constitute any endorsement or recommendation of such products or Services.
All such information, software, products, and Services are provided "AS IS" without warranty of any kind. riskfreelife.com disclaims all warranties and conditions that this Site, its Services or any email sent from riskfreelife.com, its affiliates, and/or their respective suppliers are free of viruses or other harmful components. riskfreelife.com hereby disclaims all warranties and conditions with regards to this information, software, products, and Services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement.
The suppliers providing Services on this Site are independent affiliates are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such suppliers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore riskfreelife.com and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall riskfreelife.com and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this Site or with the delay or inability to access, display or use this Site (including, but not limited to, your reliance upon opinions appearing on this Site; any computer viruses, information, software, linked sites, products, and Services obtained through this Site; or otherwise arising out of the access to, display of or use of this Site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if riskfreelife.com and/or its affiliates their respective suppliers have been advised of the possibility of such damages.
The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by riskfreelife.com for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you cannot use the Service or the Site.
5. User Account
Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any supplier with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the supplier's rules and restrictions regarding such Services availed. You agree that any violation of any such supplier's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable Service(s), in your forfeiting any monies paid for such Services, and/or in our debiting your account for any costs we incur as a result of such violation.
6. Clean Content
riskfreelife.com does not claim ownership of any materials you make available through the Site. At riskfreelife.com's sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant riskfreelife.com a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content).
You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section 4. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site.
If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or Services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site.
7. Disclaimer of Up-Time, Online Availability and Access to Password Protected/ Secure Areas
In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.riskfreelife.com. Its web-pages, any material, information, links, or the content presented on the web pages at www.riskfreelife.com,may be unavailable for online access at any time. Advertising sponsors and advertising must be approved by riskfreelife.com before the posting of any advertising material, information, links, content, banners, and graphics on www.riskfreelife.com. Any advertising should be related to interactive digital television and related subject areas. riskfreelife.com reserves the right to accept or reject any advertising or advertising sponsor without giving a reason (verbally or in writing).
Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
8. Local Laws and Indemnity
riskfreelife.com makes no representation that the materials on the Site are appropriate or available for use in other locations than its current location. If you use this Site from other locations, you are responsible for compliance with applicable local laws. Unless otherwise explicitly stated, all marketing or promotional materials found on this Site are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India. Disputes, if any, shall be subject to the sole and exclusive jurisdiction of Courts.
9. Limitation of Liability
You expressly understand and agree that riskfreelife.com and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if riskfreelife.com has been advised of the possibility of such damages), resulting from use of the Site content or any related Services.
If, despite the limitation above, riskfreelife.com or its affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of riskfreelife.com and/or its affiliates will in no event exceed, in the aggregate, the greater of (a) the Service fees you paid to riskfreelife.com in connection with such transaction(s) on this Site, or (b) Rupees One Hundred only (INR 100).
The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of Riskfreelife.com, its affiliates, and/or their respective suppliers.
10. Emails, Postings and Communication
When you use the Site or send emails to riskfreelife.com, you are communicating with riskfreelife.com electronically. You consent to receive communications from riskfreelife.com electronically. riskfreelife.com may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. riskfreelife.com is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, riskfreelife.com may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings.
You understand and agree not to use any functionality provided by the Site to post content or initiate communications that contain: (i) any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law; (ii) advertisements or solicitations of any kind; (iii) impersonate others or provide any kind of false information; (iv) personal information such as messages which state phone numbers, account numbers, addresses, or employer references.; (v) messages by non-spokesperson employees of riskfreelife.com purporting to speak on behalf of riskfreelife.com or containing confidential information or expressing opinions concerning riskfreelife.com; (vi) Messages that offer unauthorized downloads of any copyrighted or private information; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; or (ix) identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message.
This prohibition includes but is not limited to: a) using riskfreelife.com to send messages to people who don't know you or who are unlikely to recognize you as a known contact; b) using riskfreelife.com to connect to people who do not know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases.
11. Third Party Links and Advertisements
The Site or third parties may provide links to other websites or resources. Since riskfreelife.com has no control over such websites and resources, you acknowledge and agree that riskfreelife.com is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that riskfreelife.com shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.
12. Modification and Notification of Changes
13. Intellectual Property Rights
The trademarks, logos and Service marks ("Marks") displayed on the Site are the property of riskfreelife.com and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as meta-tags on other pages or Sites on the World Wide Web without the written permission of riskfreelife.com or such third party which may own the Marks.
All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.
14. Contingency Provision