TERMS AND CONDITION

Definition of Service

Insurance Planners.in, provides users with information about General Insurance and Life Insurance products to enable comparison and procurement. You may submit your request to book your desired policy by filling in the required forms on the insurer’s website and/or on Insurance Planners.in, and by making the payment online to the insurer. We assist you in completing your proposal (incl. forms, documents and medical tests, if any) and on verification of the same, provided there is no missing information, your proposal is underwritten by the insurance company. The insurance company then, may accept, reject or raise an objection on your proposal, which will be communicated to you by them. It is Insurance Planners’s endeavour to have every booked policy issued; however we cannot guarantee the same. Insurance Planners will, in case of an objection or rejection, assist you in complying with or reapplying to another insurance company as the case may permit.

Limitations to Service

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 generalised in an attempt to give you a summary of the insurance policies available through Insurance Planners.in. 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. The product information supplied on the website is available only to Indian citizens. Except as otherwise expressly permitted in writing by us, no materials from this website or any website owned, operated, licensed or controlled by us may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without our written permission. The rates mentioned on the website may not be final and binding. In some cases, the insurance company may communicate the final rates after submission of the given premium and documentation. Further, the rates mentioned on the website are as provided or verified by insurance companies. The rates are subject to change at any time and we take no responsibility of any losses in such cases. Please note that service tax is payable on insurance premium as per applicable laws and all your quoted premium includes the same. The insurance company reserves the right to recover from the policyholder or proposer, any levies and duties (including service tax), as imposed by the government, either by premium adjustment or other forms, as deemed appropriate. Kindly refer to the proposal for the exact fees and charges.

Refund Policy

In case you are dissatisfied with the services provided by either Insurance Planners.in or the insurance company, please email the insurer on the email ID mentioned in the payment confirmation email. Your refund will be processed by the insurance company as per their respective refund policies. In such cases, you will be required to communicate with them directly, although we may assist you in the process.

Claim Settlement

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 Insurance Planners 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.

Limitation of Liability

While Insurance Planners uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. Insurance Planners makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall Insurance Planners or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if we or an our authorised representative has been advised of the possibility of such damages. In no event shall Insurance Planners’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. We have the right to add, amend, revise suspend or cancel in whole or in part any of the services which are, or may become, part of the Website, without any prior notice to the Visitors or Customers. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers. We also assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Jurisdiction /Legal

Unless specifically provided herein, Insurance Planners does not represent that the material contained herein is appropriate or available for use in any jurisdiction. Those who choose to access this website do so at their own initiative and are responsible for compliance with local laws. Except as specifically set forth herein, the information contained on this website is not an offer to sell or any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation; purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. All disputes shall be subject to the exclusive jurisdiction of Gurgaon courts only.

Disclaimer

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND INSURANCE PLANNERS AND ITS SUBSIDIARIES AND AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The information, software, contents, products and services included in or available through our website (www.Insurance Planners.in) may include inaccuracies, typographical errors and pricing errors. We assume no responsibility for any error, omission, interruption, deletion, corruption, defect, and delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any User communication or any content provided through the Website. Insurance Planners is not responsible for any problems or technical malfunction of any telephone network or lines, electronic networks, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on any of the services or combination thereof, including any injury or damage to users or to any person’s computer related to or resulting from participation or downloading materials in connection with the Website or the services. Under no circumstances shall Insurance Planners. Be responsible for any loss or damage resulting from use of the website or the services, attendance at an event organised through the website or the services, from any content posted on or through the website or the services, or from the conduct of any users of the website or the services, whether online or offline. The services are provided “AS-IS” and as available and Insurance Planners makes no representations or warranties of any kind as to the website, the services or the content thereof, including without limitation, as to availability of the website and/ or services for access and use. In particular, Insurance Planners expressly disclaims all warranties of fitness for a particular purpose, accuracy, completeness or non-infringement. We cannot guarantee and does not promise any specific results from use of the website and the services.

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