Vizza-Insurance

TERMS AND CONDITIONS

  • Before you may use the website, you must read all of these General Terms and Conditions herein provided on the website.
  • By using www.vizzainsurance.com products, software, services and website you understand and agree that www.vizzainsurance.com will treat your use of the Services as acceptance of these Terms and Conditions from such point of usage.
  • You may not use the Services if you do not accept the Terms and Conditions. If you do not agree to be bound by these Terms and Conditions, you may not use the website in any way.
  • It is strongly recommended for you to return to this page periodically to review the most current version of the Terms and Conditions in force.
  • www.vizzainsurance.com reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms and Conditions without prior notice, and your continued access or use of this website signifies your assent/ratification of the updated or modified Terms and Conditions.
  • If you object to these Terms and Conditions or any subsequent modifications to these Terms and Conditions in any way, your only recourse is to immediately terminate use of the website.
  • We may require you to agree to additional Terms and Conditions (if any) between you and www.vizzainsurance.com in connection with specific services that you may avail from time to time.
  • The service provided by www.vizzainsurance.com through website is available and appropriate only for use in India
IRDA Direct Broker Code: IRDA/ DB 543/ 13
  • Vizza Insurance Broking Services Pvt Limited (hereinafter referred to as www.vizzainsurance.com ) operates the website http://www.vizzainsurance.com to provide consumers choice and an easy way to buy Insurance products from multiple Insurance companies.
  • Vizza Insurance Broking Services Pvt Ltd is not an insurance company, but a licensed Insurance Broking Company holding a Broking licence from the Indian Insurance Regulator – Insurance Regulatory and Development Authority (IRDAI).
  • Some of the details on the website may be provided by our participating insurance providers, and therefore the information provided by the insurers that is regulated by Vizza Assurance may contain inaccuracies.
  • Vizza Insurance Broking Services Pvt Ltd shall not provide guarantee that the website information is timely, reliable or complete; or that the results obtained from the use of the website are of high quality.
  • Vizza Insurance Broking Services Pvt Ltd shall not be held responsible for any information or advice arising out of the website or the website to the maximum extent permitted by law
  • You are responsible for your final product choice and you should take time to read all details you receive before continuing.
  • You should seek further guidance from Vizza Insurance Broking Services Pvt Ltd or the appropriate partner before selecting your policy if you have any doubts regarding a product or its Terms and Conditions.
  • When you apply to purchase a product at www.vizzainsurance.com , Vizza Insurance Broking Services Pvt Ltd does not, however, promise that you will actually purchase the product you have chosen. Vizza Insurance Broking Services Pvt Ltd may pass on your personal details to the participatory company concerned from who you want to purchase products. Vizza Insurance Broking Services Pvt Ltd takes no liability in the event of a pause in buying the product that you have selected.
  • Please note that Vizza Insurance Broking Services Pvt Ltd receives the premium deposit or assists in collecting it on behalf of the insurer that you choose to buy the policy from.
  • The acceptance of the deposit as a premium and final issue of the policy is subject, in the absence of control over Vizza Insurance Broking Services Pvt Ltd, to the underwriting standards and the discretion of the insurer whose policies you have chosen to purchase. In the event of no final issuing of the policy, Vizza Insurance Broking Services Pvt Ltd shall ensure that the balance is refunded by the insurer
  • 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 October 2013.

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.

Usage of Website
  • The website is intended for personal and non-commercial use. You shall register to become a member of the Website only if you are of the age of 18 or above and can enter into binding contracts as per applicable laws.
  • You are responsible for maintaining the secrecy of your passwords, login and account information. You will be responsible for all use of the website by you and anyone using your password and login information (with or without your permission).
  • You also agree to provide true, accurate, current and complete information about yourself as and when prompted by the Website.
  • If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or Vizza Insurance Broking Services Pvt Ltd has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, Vizza Insurance Broking Services Pvt Ltd shall have the right to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or services in connection thereto.
  • By making use of the website, 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 Vizza Insurance Broking Services Pvt Ltd may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfil your demand or complete your application.
  • You specifically understand and agree that by using the website you authorise Vizza Insurance Broking Services Pvt Ltd and its affiliates and partners to contact you for any follow up calls in relation to the Services provided through the Website.
  • You agree and consent to receive communications on your phone/mobile number provided by you on the Website and expressly waive any registration made under DND/NCPR list under TRAI regulations.
  • The usage of the Website may also require you to provide consent for keying in your Personal Information (including but not limited to user ids and passwords), as may be necessary to process your application through this Website.
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 and Conditions of this User Agreement, and (b) applicable laws, regulations and generally accepted online practices or guidelines.

Wherein, you understand that:

  • In order to have access to our services (resources), you may be needed, as a part of or as part of your right to use the resources, to provide certain information about you (such as identity, contact details, and so on). You consent to provide always reliable, right and up-to-date information.
  • You are responsible for ensuring that all login information associated with every account you use to access resources is kept confidential. Consequently, you will be responsible for all activities under your account(s)
  • Any of our resources, other than those given by us, is strictly forbidden to access (or trying to access). In particular, through any automatic, unconventional or unethical means, you agree not to use (or attempting to access) any of our resources.
  • It is strictly forbidden to participate in all activities which disturb or interfere with our resources, including those servers or networks to which our resources are located or linked.
  • It is strictly prohibited that our resources be copied, replicated, distributed, exchanged, or resold.
  • Any impact, loss or damage that we may cause or sustain as a result of any illegal actions by you, directly or indirectly, is solely your responsibility and may incur civil or criminal liability.
  • We can offer different resources for interactions on the web, such as blog posts, online chat, forums, newsgroups, ratings and reviews of products, various social media services and so on.
  • You understand we usually do not pre-screen or track the contents of users of these different communication tools, which means that you have a personal responsibility to use these tools in a responsible and ethical manner when you plan to use them to upload any kind of content to our website.
  • You agree to not upload, publish, exchange or otherwise distribute content by posting or otherwise using any of the open communication tools as indicated:
  • Is unlawful, illegal, defamatory, insulting, harassing, bullying, dishonest, irritating, intrusive, discriminatory or includes any kind of evocative, offensive or expressed language.
  • Infringes any copyright, or other exclusive right, of any entity, or of any trademark, trademark, commercial secret or any party
  • Comprises any type of unsolicited or unauthorised advertising;
  • Impersonates any entity or individual, as well as any http://www.Vizzainsurance.com/ employees or representatives.
  • In our sole discretion we have the right to remove any materials that we believe do not adhere to this User Agreement together with any content otherwise offensive, disruptive, unfair or inaccurate to us or that violates the rights or trademarks of third parties.
  • No delay or failure to delete these contents is our duty. You hereby consent to such removal and agree to withdraw any allegation against us if you post material that we wish to remove.
  • For any content that you or any 3rd party user of our website shares, we take no responsibility. Any material you post using any open communication tools on our Website is however the property of Vizza Insurance Broking Services Pvt Ltd, given that the content does not breach, or violate any copyright or trademark rights of third parties. Ltd. and as a result gives us a permit for reproduction, change, adaptation, translation, publishing, public display and/or distribution, as we find fit, to be permanent, irrevocable, universal and royalty free.
  • This refers only to materials posted through open communication platforms, as defined, and not to information provided in order to use our services, as part of the registration procedure. Our privacy policy protects all information collected in our registration process.
  • You accept that Vizza Insurance Broking Services Pvt Ltd will be indemnified and left harmless including it owners, officers, administrators, staff, contributors, agents and licensees against and against all injuries, costs, penalties and expenditures including reasonable legal fees arising from any breach of this Agreement or from non-compliance on any obligations you or any other person using your account incurred your account.
  • We reserve the right to consider any allegation under this User Agreement for which we have the right to compensation. In such a situation, you shall cooperate with us as we reasonably inquire.
Limitations of Liability

Vizza Insurance Broking Services Pvt Ltd (including its officers/directors/employees/representatives/affiliates/providers) will not be responsible or liable for

  • Any injury, death, loss, claim, act of god, accident, delay, or any direct, special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arise out of or is in any way connected with
  • Any failure or delay (including without limitation the use of or inability to use any component of the website)
  • Any use of the website or content.
  • The performance or non-performance by us or any provider, even if we have been advised of the possibility of damages to such parties or any other party, or (b) any damages to or viruses that may infect your computer equipment or other property as the result of your access to the website or your downloading of any content from the website.
  • You further acknowledge and agree that Vizza Insurance Broking Services Pvt Ltd 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 third-party websites.
  • Such third-party website may have separate Terms and Conditions and privacy policy, and which are independent of Vizza Insurance Broking Services Pvt Ltd and therefore, we advise you to read the Terms and Conditions available on such website before you access any such third-party website
Our Partners
  • You agree that Vizza Insurance Broking Services Pvt Ltd is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties.
  • Your interaction with any third party accessed through the Website is at your own risk, and Vizza Insurance Broking Services Pvt Ltd will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties.
Indemnity

You agree to indemnify and hold Vizza Insurance Broking Services Pvt Ltd (including its officers, directors, agents and employees) harmless from any and against any

  • Claims
  • Demands
  • Recoveries.
  • Losses.
  • Damages
  • Fines
  • Penalties

Other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms and Conditions, your violation of any law or the rights of a third party, or your use of the Website.

Waiver
  • Any failure or delay by Vizza Insurance Broking Services Pvt Ltd to enforce or exercise any provision of these Terms and Conditions, or any related right, shall not constitute a waiver by Vizza Insurance Broking Services Pvt Ltd of that provision or right.
  • The exercise of one or more of Vizza Insurance’s rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to Vizza Insurance Broking Services Pvt Ltd under these Terms and Conditions or in law or at equity.
  • Any waiver of any provision shall only be effective if made in writing and executed by a duly authorised officer of Vizza Insurance Broking Services Pvt Ltd.
Copyright and Trademarks
  • The trademarks, logos, texts, graphics and service marks displayed on the website are the intellectual; property of Vizza Insurance Broking Services Pvt Ltd. and other associated parties and service providers.
  • Users are prohibited from using any of the above for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Vizza Insurance Broking Services Pvt Ltd or such third party which may own the Marks.
  • All information and content including any software programs available on or through the Site 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 website for commercial or public purposes
Force Majeure

If the performance of Services/Website by Vizza Insurance Broking Services Pvt Ltd is prevented, restricted, delayed or interfered with by reason of

  • Labour disputes and strikes.
  • Acts of God.
  • Floods, lightning, and severe weather.
  • Shortages of materials and rationing.
  • Inducement of any virus, malware, Trojan or other disruptive mechanisms.
  • Any event of hacking or illegal usage of the website.
  • Utility or communication failures or earthquakes.
  • War, revolution, acts of terrorism, civil commotion.
  • Acts of public enemies, blockade, embargo or any law, order.
  • Proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government.

Any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of Vizza Insurance Broking Services Pvt Ltd and could not have been prevented by reasonable precautions, then Vizza Insurance Broking Services Pvt Ltd shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by Vizza Insurance Broking Services Pvt Ltd of its obligations herein or incur any legal liability on Vizza Insurance Broking Services Pvt Ltd.

Governing Laws
  • Vizza Insurance Broking Services Pvt Ltd controls and operates this Website from its offices in India and it can be accessed by most countries around the world.
  • Since the laws of each country the vary from those of India, by accessing this website you agree that, with all matters concerning the use of this website and the purchase of all products or services through this site, India's Statutes and Laws shall apply without recourse to a conflict of law and the United Nations Convention on International Sales of Goods.
  • Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located in India, You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
Additional Terms and Conditions
  • You may not assign or otherwise transfer your rights or obligations under these Terms. Vizza Insurance Broking Services Pvt Ltd may assign its rights and duties under these Terms and Conditions without any such assignment being considered a change to the Terms and Conditions and without any notice to you.
  • You will observe these other Terms and Conditions. The laws of India, without regard to its conflict of laws rules, will govern these Terms and Conditions, as well as your and our observance of the same.
  • If you take any legal action relating to your use of the Website or these Terms and Conditions, you agree to file such action only in the courts located in Chennai, India.
  • In any such action that we may initiate, the prevailing party will be entitled to recover all legal expenses incurred in connection with the legal action, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees.
  • You acknowledge that you have read and have understood these Terms and Conditions, and that these Terms and Conditions have the same force and effect as a signed agreement. This paragraph shall survive termination of this agreement.
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.
Guarantee

Unless otherwise expressed, Vizza Insurance Broking Services Pvt Ltd. expressly disclaims all warranties and conditions of any kind, whether implied or express, including, but not limited to the implied warranties and conditions of merchantability, fitness for a specific purpose and non-infringement.

NDNC

You are authorising Vizza Insurance Broking Services Pvt Ltd to override the DND settings to reach out to you over calls, SMS, emails and any other mode of communication. This authorization will override your registry under NDNC.

Contact Information

If you have any questions or comments about these our Terms and Conditions of Service as delineated above, you can contact us at:info@vizzafin.com

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