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  • Terms and Conditions – User Agreement

    1. This website www.rightpolicy.com is owned and operated by Policywow Insurance Broking Pvt. Limited (hereinafter referred to as “Rightpolicy”), an insurance broking company with a broking license from Insurance Regulatory and Development Authority of India (IRDA Direct Broker Code: IRDA/ BR/ABC/XYZ).
    2. Rightpolicy is not an insurance company but an online aggregator of insurance policies (hereinafter referred to as the “Product” or “Products”) and serves as an intermediary between participating third party insurance companies (hereinafter referred to as “Providers”) and online consumers.
    3. By visiting this website and accessing the information, resources, services, products, and tools provided therein (hereafter referred to as “Resources”), the consumer understands, accepts and agrees to adhere to all the terms and conditions stated in the below agreement (hereafter referred to as the “User Agreement”), along with the terms and conditions as stated in the Privacy Policy.

    Terms of Service
    • This agreement will come into effect from September 28, 2017.
    • By visiting this website, the consumer agrees to use its Resources only for purposes permitted by (a) the terms of this User Agreement, and (b) the applicable laws, regulations, guidelines and generally accepted practices of the industry.
    • To the maximum extent permitted by law, Rightpolicy has no liability in relation to or arising out of the information or recommendations provided by the website.
    • The consumer is expected to thoroughly acquaint himself with the information available on the website and is wholly responsible for making a knowledgeable and informed decision regarding purchase of any product from Rightpolicy, and Rightpolicy is in no way responsible for the final choice of product so exercised by the consumer.
    • If a consumer is in any doubt regarding a product, its terms, or any other information available or relating to a product, he is expected to seek further assistance from Rightpolicy or the Providers prior to purchasing a product.
    • Upon choosing to apply to Rightpolicy to purchase a Product, the consumer allows Rightpolicy to pass on the consumers’ personal information to the relevant Provider through its website.
    • Please note that Rightpolicy only collects or assists in collecting the premium deposit on behalf of the Providers chosen by the consumer to purchase a Product from. Rightpolicy exercises no control over the acceptance of the deposit as premium and the final issuance of the policy as is subject to the underwriting norms and discretion of such Provider.
    • Rightpolicy reserves the right to amend or modify this User Agreement from time to time without notice. The consumer acknowledges his own responsibility to periodically review this User Agreement in its entirety and cognize himself any modifications thereto. The consumer’s continued use of this website post any modification of the User Agreement constitutes acknowledgment, willingness and agreement to the modified terms and conditions therein.

    Responsible Use and Conduct
    • The consumer understands, acknowledges and agrees that in order to access the Resources, he may be required to provide certain information about himself (such as identification, contact details, etc.) as part of the registration process or to assist the consumer’s use of the Resources. The consumer agrees that all information provided by the consumer is always accurate, whole and updated as on date.
    • It is the duty of the consumer to maintain the confidentiality of any login information associated with the account he uses to access the Resources, and he is fully and solely responsible for all activities that occur in/from the said account.
    • Accessing (or attempting to access) any of our Resources by any means other than through the means provided by Rightpolicy is strictly prohibited. The consumer specifically agrees to not access (or attempt to access) any of our Resources through any automated, unethical, unconventional, or any other means unapproved by Rightpolicy.
    • 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.
    • The consumer is prohibited from copying, duplicating, reproducing, trading, selling or reselling our Resources for any purpose except if expressly authorized by Rightpolicy, or facilitating the copying, duplicating, reproducing, trading, selling or reselling of our Resources in any manner by any person, except if expressly authorized by Rightpolicy (hereinafter “Unauthorized Activity”).
    • In the event of an Unauthorized Activity by a consumer, Rightpolicy reserves the right take any action against such consumer as it deems fit. The consumer agrees to make good any loss suffered by Rightpolicy due to any consequences, actionable claims, losses or damages attributable, whether directly or indirectly, to such Unauthorized Activity, failing which the consumer shall face criminal or civil liability.
    • By participating in any blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings, reviews, various social media services, or any other communication tool available on the website (hereinafter referred to as “Open Communication Tools”), the consumer understands that it is his personal responsibility to use such Tools in a responsible and ethical manner. The consumer agrees that he will not upload, post, share, distribute or otherwise make available to others any content that: 
      1. Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, false, deceptive, invasive, racist, suggestive, explicit or inappropriate;
      2. Infringes any trademark, patent, trade secret, copyright, or other proprietary right of any third party;
      3. Contains any type of unauthorized or unsolicited advertising;
      4. Impersonates any person or entity, including any Rightpolicy employees and representatives.
    • Rightpolicy has the sole discretion to remove any content that, in the judgment of its employees, does not comply with this User Agreement, without informing or giving any reason to the consumer, or take any other action it deems fit to undo the harm caused thereof. Due to such content being generally unmoderated, Rightpolicy is not responsible for any delay or failure in removing such content. The consumer hereby waives any claim against Rightpolicy arising out of removal of such content.
    • The consumer consents that all information posted by a consumer using any Open Communication Tools on the website, provided that it does not violate or infringe the User Agreement, becomes the property of Rightpolicy, and gives it a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute such data as it deems fit. This does not include personal information provided as part of the registration process, which is covered by the Privacy Policy below. However, Rightpolicy is not responsible for the contents of any such information posted, uploaded or in any way shared by the consumer or any other third party users on its website.

    Privacy
    At Rightpolicy, the consumer’s privacy is of utmost importance, and thus a separate Privacy Policy has been created in order to explain in detail how Rightpolicy collects, manages, processes, secures and stores the consumer’s private information. It is clarified that the Privacy Policy is included under the scope of this User Agreement.

    Limitation of Warranties
    • By using this website, the consumer understands and agrees that all Resources therein are provided on ‘as is‘ and ‘as available’ basis, and Rightpolicy hereby clarifies that:
      1. It does not warrant or represent that the use of our Resources will meet the consumer’s needs or requirements.
      2. It does not warrant or represent that the use of our Resources will be uninterrupted, timely, secure or free from errors.
      3. It does not warrant or represent that the information obtained by using our Resources will be accurate or reliable, and
      4. It does not warrant or represent that any defects in the operation or functionality of any Resources will be repaired or corrected.
    • The consumer understands and agrees that any information, Resource or content downloaded or otherwise obtained through the use of our Resources is done at the consumer’s own discretion and risk, and that the consumer is solely responsible for any damage to the consumer’s electronic device or data that may result from such download.
    • Rightpolicy has limited control over any information directly hosted on its website by the Providers, or any inconsistencies or inaccuracies arising therefrom. Rightpolicy does not warrant or guarantee the appropriateness, accuracy, exhaustiveness or quality of information available on the website or of the results obtained from the use thereof.
    • Rightpolicy does not warrant or guarantee the timeliness as to whether or when the consumer will actually acquire their chosen product. Rightpolicy does not accept any liability arising out of circumstances wherein there is delay in the consumer acquiring their chosen Product.
    • Furthermore, the consumer understands and agrees that no information or advice, whether expressed, implied, oral or written, obtained by the consumer from Rightpolicy or through any Resources provided on the website shall create any warranty, guarantee, or conditions of any kind, whether expressed, implied, written or oral, except as specifically outlined in this User Agreement.
    • Unless otherwise provided, Policywow Insurance Broking Pvt. Ltd. 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.

    Limitation of Liability
    In conjunction with the Limitation of Warranties above, the consumer expressly understand and agree that any claim against Rightpolicy shall be limited to the amount paid by the consumer, if any, for use of products and/or services. Rightpolicy will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by the consumer 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 extent that applicable limitation of liability laws apply.

    Copyrights/Trademarks
    All content and materials available on http://www.Rightpolicy.com/, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Rightpolicy, and are protected by applicable copyright and trademark law of India. Any unintended or inappropriate use, reproduction, distribution, display or transmission of any content on the website is strictly prohibited, unless specifically authorized by Rightpolicy.

    Termination of Use
    The consumer agree that Rightpolicy may, at its sole discretion, suspend or terminate the consumer’s access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, the breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating the consumer’s relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination of his account, the consumer’s right to use the Resources will cease immediately, and Rightpolicy reserves the right to remove or delete any information that the consumer may have on file with it, including any account or login information.

    Indemnity
    The consumer agrees to indemnify and hold harmless Policywow Insurance Broking Pvt. Ltd., its parent company and affiliates, their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, arising out of any violation of this User Agreement or failure of the consumer to fulfill any obligations relating to his account, whether incurred by the consumer himself or any other person using his account. In the event of any claim made on Rightpolicy by a third party claimant for which it is entitled to indemnification under this User Agreement, Rightpolicy reserves the exclusive right to take up or not take up the defense of such claim and it is the duty of the consumer to provide such cooperation as is reasonably requested by Rightpolicy.

    Governing Law
    • This website is controlled by Policywow Insurance Broking Pvt. Ltd. from its offices located in the state of Uttar Pradesh, India. By accessing this website, the consumer agrees to be governed and adjudicated by the laws of Uttar Pradesh, India exclusively and to the exclusion of all other laws.
    • The consumer agrees that all disputes arising out of or in relation to this User Agreement shall be referred to arbitration by the appointment of sole arbitrator and according to the processes laid down in the Arbitration and Conciliation Act, 1996 at New Delhi. The consumer hereby agrees to waive any jurisdictional, venue, or inconvenient forum objections to such courts.

    Contact Information
    All queries regarding this User Agreement as outlined above to be sent to:
    Policywow Insurance Broking Pvt. Ltd.
    12/14 - 12/15, Pioneer Complex,
    Site-4, Sahibabad Industrial Area, Ghaziabad
    Uttar Pradesh - 201010.
  • This Privacy Policy governs the manner in which Rightpolicy collects, uses, maintains and discloses information collected from users (each, a “User”) of the http://www.rightpolicy.com website ('Site'). This privacy policy applies to the Site and all products and services offered by Rightpolicy.

    The site collects personal identification information from Users in many ways, including, but not limited to:

    • When User visits our site
    • Registers on the site
    • Searches & compares quotes
    • Places an order
    • Subscribes to the newsletter
    • Responds to any survey that we may seek to do
    • Fills out a form &/or
    • In connection with other activities, services, features or resources that are made available on rightpolicy.com.

    Users may be asked information as deemed appropriate like name, email address, mailing address, phone number, details of family, age or credit card information. You may also decide to visit our Site anonymously. We will collect personal identification information from you only if you voluntarily submit such information to us. You can also refuse to supply personally identification information that however, may prevent you from using some of the functionalities of the site.

    Users may be asked information as deemed appropriate like name, email address, mailing address, phone number, details of family, age or credit card information. You may also decide to visit our Site anonymously. We will collect personal identification information from you only if you voluntarily submit such information to us. You can also refuse to supply personally identification information that however, may prevent you from using some of the functionalities of the site.

    Users may be asked information as deemed appropriate like name, email address, mailing address, phone number, details of family, age or credit card information. You may also decide to visit our Site anonymously. We will collect personal identification information from you only if you voluntarily submit such information to us. You can also refuse to supply personally identification information that however, may prevent you from using some of the functionalities of the site.

    Non-personal identification information
    Non-personal identification information about Users can also be connected when they interact with our Site.

    Examples of Non-personal identification information are

    Technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information like Browser name & Type of computer

    Web browser cookies
    Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

    How we use collected information
    Rightpolicy may collect and use the information that you provide for the following :

    • Improving customer service.
    • Personalizing user experience
    • To improve our Site
    • To process payments – Please note that we will not share this information with outside parties except to the extent necessary to provide the service.
    • To share some information (other than your personal information like your name, address, email address or telephone number) with insurance companies
    • Running a promotion, contest, survey or other Site feature
    • To send Users information they agreed to receive about topics we think will be of interest to them.
    • For send emails from time to time.
    • Sending you - information and updates pertaining to your order.
    • Responding to your queries, doubts and/or other requests.

    If User decides to opt-in to our mailing list, he/she will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

    How we protect your information
    Rightpolicy uses appropriate security measures & secure data collection, storage and processing practices and to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

    Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel that is encrypted and protected with digital signatures as per appropriate IRDA regulations.

    Sharing your personal information
    Rightpolicy acts as a licensed Insurance intermediary and works with leading insurance companies of the country. Your personal information is likely to be shared with insurance companies so that they can devise appropriate insurance solution for your needs.

    In addition, we also use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. It should be noted that the information will be shared only for those limited purposes provided that you have given us your permission.

    Third party websites
    Content on Rightpolicy links to the sites and services of insurance companies with whom we have a tie-up for online sale of insurance. It must be noted that Rightpolicy does not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. When you have moved out of Rightpolicy website and are visiting those sites , you will be governed by their own privacy policies and customer service policies.

    Changes to this privacy policy
    Rightpolicy has the discretion to update this privacy policy at any time. Whenever we do that, you will receive a revised updated date either through the website or through an email.

    Users should frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

    Your acceptance of these terms
    By using Rightpolicy, you are providing your acceptance of this policy. Please do not use this Site if you do not agree to this policy. Continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
  • No Advice
    This website contains general, impartial information pertaining to insurance products and services within and pursuant to the laws applicable to the Republic of India. The information is not advice, and should not be treated as such by visitors of this website.

    Adequacy and Accuracy of Material
    • Policywow Insurance Broking Private Limited is in no manner or form responsible, whether directly or indirectly, for any discrepancies, inaccuracies or inadequacies of data published on its website.
    • This website does not provide details or offer interpretation of specific insurance contracts, policies and/or policy language, and is not designed to be a substitute for such information in terms of claims handling and/or settlement.
    • Although we have tried to maintain high standards in quality, clarity and accuracy of the material posted on the portal, Policywow Insurance Broking Private Limited is not legally responsible for the same in any manner what so ever. For complete coverage information, please refer to the applicable specific policy in its entirety, including all applicable endorsements.
    • All information provided on the website is subject to the discretion of Policywow Insurance Broking Private Limited and is likely to change without any notice. The visitor is expected to keep himself abreast of all changes to its legal policies by himself.
    • Without prejudice to the generality of the foregoing paragraphs, Policywow Insurance Broking Private Limited does not warrant that:
      1. the information on this website will be constantly available, or available at all; or
      2. the information on this website is complete, true, accurate, up-to-date, or non-misleading.

    No Agency
    Visitors are hereby informed that Policywow Insurance Broking Private Limited or its employees are not the agents/sub-agents/related party/intermediaries/sub-intermediaries of the third-party insurance providers whose products are displayed on the website.

    Information Accuracy and Risk
    • Insurance is a subject matter of solicitation and market risks. It is the responsibility of the visitor to understand the limitations of insurance policies and risks involved, and under no circumstance, form or manner, do we take any liability in such cases. Visitors are expected to read the subject and offer documents carefully. The information provided on the portal is for insurance purposes only.
    • It is a mutual understanding between us and the visitors that their association with the portal will be at the customer's sole discretion and risk. Employees, partners and associated staff of Policywow Insurance Broking Private Limited are not accountable for any loss, harm or damage that occurs or may occur or arise from the usage of information from the portal. Visitors are advised to use their own discretion in such matters.
    • Policywow Insurance Broking Private Limited are not accountable for any loss, harm or damage that occurs or may occur or arise from the usage of information from the portal. Visitors are advised to use their own discretion in such matters.

    Privacy and Security
    • The visitor is not authorised to copy, commercially exploit, republish, distribute, disseminate or otherwise communicate any part of such contents in any manner whatsoever without the prior permission from Policywow Insurance Broking Private Limited.
    • Policywow Insurance Broking Private Limited will not be responsible or liable for any harm or loss resulting from use, communication or transmission of any information to or from this website.

    Limitation of warranties
    • The information on this website is provided “as is” without any representations or warranties, express or implied. Policywow Insurance Broking Private Limited makes no representations or warranties in relation to the legal information on this website.
    • 6.2.Though endeavour is made to make correct product comparisons, quotes, etc. on the basis of information provided by the insurance providers, Policywow Insurance Broking Private Limited or its directors/shareholders/officers/ employees accept no responsibility or liability for decisions based whatsoever with regard to the information on this website, and every policyholder shall be solely responsible for the consequences of their decision.

    Liability
    Nothing in this legal disclaimer will limit any of our liabilities in any way that is not permitted under applicable law, or exclude any of our liabilities that may not be excluded under applicable law.

    We value your visit to our website. If you have any questions or suggestions about this website, these conditions, or products and services, please connect with us using contact information mentioned on this website.