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Terms of Use

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By accessing this Website you will by implication give your consent to the following terms and conditions of use without any reservation. Do not access or use the Website if you are unwilling or unable to be bound by the same.

These terms and conditions (hereinafter referred to as the "Terms"), along with the Privacy Policy and the Disclaimer, govern your access to and use of the www.Policy99.com website (hereinafter referred to as the "Website").

By accessing or using the Website, you are agreeing to these Terms and concluding a legally binding contract with the proprietors of www.Policy99.com an initiative of M/s. Alert Insurance Brokers Private Limited, a company incorporated under the Companies Act 1956, having its registered office at No. 12 (Old No.19), 1st Floor, Rutland Gate 4th Street, Chennai - 600 006 (hereinafter referred to as "www.Policy99.com" or "ALERT INSURANCE").

If you have any questions or concerns about these Terms, you can contact us at www.policy99.com/contact or care@policy99.com

Policy99.com, a website of an authorized Insurance Broker shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization with regard to any transaction, conducted from the account of a user/ cardholder having exceeded the preset limit mutually agreed to by Policy99.com with the acquiring bank from time to time.

Limitation of Liability

The Website contains content of a general nature and should not be treated as comprehensive. Policy99.com has taken reasonable care and efforts to collect and provide information on various insurance products as available in the market and does not make any warranty or representation and assumes no responsibility or liability whatsoever in connection with the accuracy, completeness, applicability, suitability, functionality, or operation of the content on the Website or any other website which may be hyperlinked to the Website. No damages or compensation can be claimed for any direct or indirect loss caused to a user, including but not limited to any viruses transmitted from internet services or securing information or data provided in the Website.

The Website may from time to time include links to external websites like third parties, Insurance Companies websites, third party Payment gateways, etc.. Policy99.com has included links to these websites to provide you with access to information and services that you may find useful or interesting. Policy99.com is not responsible for the content of these links/ website or for anything provided by them. The links/ websites so provided on the Website by Policy99.com are not endorsed by Policy99.com. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, members or any other user of the Website, are those of the respective parties and not necessarily those of Policy99.com.

Policy99.com provides the content on the Website on an "AS IS" "WHEN AVAILABLE" basis without warranty of any kind, express or implied, including but not limited to any implied warranty of merchantability or fitness for a particular purpose or non- infringement.

Policy99.com expressly disclaims any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access or use or inability to access or use the Website or reliance on its content, including but not limited to any loss of profits, exemplary or special damages, loss of sales, loss of revenue, loss of goodwill, loss of bargain, loss of opportunity, loss of or waste of management or other staff time.

Through this Website, Policy99.com will provide intermediary services such as timely 'premium due' reminders/ alerts to users/ policy holders by SMS, mails or post. Policy99.com shall endeavour to ensure, but does not warrant that the intermediary services so provided will be uninterrupted and/or error free, that defects will be corrected, or that the site/ server that make it available are free of viruses or other harmful components, or that the said reminders/ alerts are free of technical inaccuracies and typographical errors.

THIS LIMITATION OF LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, USE OF COOKIES, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, FAILURE OF PERFORMANCE OF THE DOMAIN/ SERVER/ URL/ BROWSER/ SOFTWARE/ SECURE SOCKET LAYER/ PAYMENT GATEWAY SERVICE PROVIDERS/ THIRD PARTIES, INSURANCE COMPANIES / REMINDERS/ ALERTS, INTERRUPTION, DEFECT, DELAY IN TRANSMISSION, COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS, OR LINE OR SYSTEM FAILURE, UNAUTHORIZED ACCESS, PROBLEMS FACED WITH REGARD TO INSURANCE PDF POLICY NOT OPENING/ NOT RECEIVED BY ELECTRONIC MODE OR BY COURIER, ISSUES FACED WITH REGARD TO HACKERS, OR ANY FORCE MAJEURE, REGARDLESS OF POLICY99.COM'S KNOWLEDGE THEREOF. POLICY99.COM CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE SITE.

Reservation of Rights

Policy99.com reserve the right to change, modify, add to, or remove portions of these Terms at any time, without any notice to the user, and the user shall be bound by the modified Terms as on the date and time of browsing. The user is advised therefore to periodically visit this page to review the current Terms to which he/she is bound.

Policy99.com prohibits caching the Website, unauthorized hypertext links to the Website, and the framing of any content available on the Website. Policy99.com reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the content of any other internet website linked to the Website. Other internet websites which are linked to the Website have their own terms and conditions of use, privacy policies and disclaimers and the user shall abide by them.

Restrictions on Use of Website Content

The Website Policy99.com is an initiative of ALERT INSURANCE BROKERS PVT. LTD. Except as otherwise expressly permitted by ALERT INSURANCE, messages displayed on the Website are for the user's use only. It is understood and agreed by the user that after accessing information from the Website the user shall not distribute, modify, transmit, reuse, report or use the content including the text, images, audio and video content without ALERT INSURANCE's prior obtained written permission. By using the content available on the Website no controversial comparison should be made against any insurer, quoting one insurer against the other.

Downloading a claim form does not mean that the concerned insurance company will automatically accept the liability towards such claim. Acceptance of a claim or proposal is solely at the discretion of the concerned insurance company, in accordance with their terms and conditions. ALERT INSURANCE is only a platform for making the information/ content available in a single place, i.e. the Website, for the convenience of the user.

No Duty to Update

All content provided by Policy99.com on the Website is updated as on the date mentioned hereinabove, and no claim will be entertained which states that any part of the content on the Website is outdated. If, in the opinion of any user, any content contained therein is not up to date, Policy99.com will not assume any responsibility for the same.

Trademark and Copyright

The 'Policy99.com' name and logotype are registered trademarks of ALERT INSURANCE. All rights reserved.

All content comprised in the Website is protected under the Indian Copyright Act 1957, and is the property of their respective owners, with all rights reserved.

Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark/ copyright displayed on the Website. The user is prohibited from copying, modifying, displaying, distributing, transmitting, redelivering, publishing, selling, licensing, creating derivative works or using any content from the Website for any purpose whatsoever, without the prior written approval of ALERT INSURANCE.

Jurisdiction, Severability, Assignment

Policy99.com makes no representation that content provided on the Website is appropriate or available for use in any location unless otherwise expressly set forth. A user who chooses to access the Website should do so on his/her own initiative and is responsible for compliance with local laws.

These Terms shall be governed by and construed in accordance with the laws of India and the applicable laws in the State of Tamil Nadu, and any action arising out of these Terms shall be litigated in, and only in, the courts located in Chennai, India, and the user agrees to submit to the exclusive jurisdiction of these courts.

In the event that any provision of these Terms is held to be unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes close to the intention underlying the unenforceable provision.

These Terms form the entire understanding between the user and Policy99.com and supersedes all previous agreements, understandings and representations relating to the subject matter. Policy99.com may delay enforcing its rights under these Terms without losing them.

The user agrees that Policy99.com may sub-contract the performance of any of its obligations or may assign these Terms or any of its rights or obligations without giving the user notice of the same.

Online Payment

In order to make an online payment of an Insurance Premium the user will be re-directed to a third party site (referred to as the "Payment Gateway"). By accepting to make payment online, it is implied that the user agrees to the terms and conditions of the Payment Gateway/ Net Banking System/ Credit Card Company or the respective entities. The accuracy or completeness of the content on the Payment Gateway or the reliability of any advice, opinion, statement or other information displayed or distributed through the Payment Gateway, is not warranted by Policy99.com and shall be construed to be set forth by the third party site owner.

Policy99.com and/or ALERT INSURANCE and its affiliates, subsidiaries, employees, officers, directors and agents, expressly disclaim any liability for any deficiency in the services of the Payment Gateway's service provider, failure or disruption of the site of the Payment Gateway's service provider, or resulting from the act or omission of any other party involved in making the Payment Gateway's site or the data contained therein available to the user, or from any other cause relating to the user's access to, inability to access, or use of the Payment Gateway's site or these materials in accordance thereto, Policy99.com and/or ALERT INSURANCE and all its related parties described hereinabove stand indemnified from all proceedings or matters arising thereto.

When conducting a payment transaction via the Website, Policy99.com will send/ display a transaction id to the user, and the user should cite the same in all future communications with reference to the said payment transaction. The online insurance policy of the user will be generated only after successful payment acknowledgement is received from the Payment Gateway. Please note that as per Section 64VB of the Insurance Act 1938, the insurance risk cover will commence only after the payment towards the premium is received by the third party Insurance Company, and a receipt for the same is obtained by the user. In respect of failed payment transactions, no online insurance policies shall be issued to the user. Policy99.com shall not be responsible for non-delivery of the online insurance policy if the user had provided wrong e-mail address.

Cancellation of Policy

If a policy holder wishes to cancel an insurance policy, the refund of premium will be on 'Short Period Basis' as per the terms and conditions of the concerned insurance company and Insurance Act. No refund will be permitted under Third party Insurance.

Warning

Unauthorized access to secured databases or circumvention of security measures on the Website is violation of central and state laws.

Suspension and termination of the Website

ALERT INSURANCE may suspend or terminate the operation of the Policy99.com Website at any time, for any reason whatsoever, without providing prior notice of the same to the user.

User's Representations and Warranties

By accessing or using the Website, the user represents, warrants and covenants that he/she:

(i) is at least 18 (eighteen) years of age;

(ii) shall not use any rights granted hereunder for any unlawful purpose; and

(iii) shall use the Website only as set forth in these Terms.

Indemnities

By using the Website, you, as the user, agree to indemnify and defend Policy99.com and its parent company, subsidiaries, affiliates, directors, officers, consultants, and employees and hold them harmless from any and all claims and expenses, including attorney's fees, arising from your misuse of the Website.