CLAYCOVE23 INSURANCE TECH PVT. LTD.
TERMS & CONDITIONS (USER AGREEMENT)

Version Updated: 31st August, 2023

Claycove23 Insurance Tech Pvt. Ltd. (herein referred to as CoverSure / the Company) owns and operates the website “www.coversure.in” (herein referred to as Website / Site) and the mobile application “CoverSure” (herein referred to as App).

The words " CoverSure", "we", "our" and "us" refers to “Claycove23 Insurance Tech Pvt. Ltd.”. The words "you", "your" or "yours" refer to any person who is using, accessing or browsing or has used, accessed or browsed the Website and/or is using or accessing or has used or accessed any version of CoverSure mobile application (“App”). The below terms and conditions shall be applicable to the use or user of CoverSure website at www.coversure.in, as may be modified from time to time or any other website created by CoverSure ("Site") and the use or user of the App. By accessing the Site and/or the App (“Resources”), you agree to be bound by the following terms and conditions (hereafter referred to as ‘User Agreement’), along with the terms and conditions as stated in our Privacy Policy:

Wherein you understand that:

• In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, payment information, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date and you are responsible for any material you may submit via the Site and/or App, including the legality, reliability, appropriateness, originality and copyright of any such material.


• You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s


• Accessing (or attempting to access) any of our Resources by any means other than through the means we provide, is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means. 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.


• Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.


• You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorised activities conducted by you, as explained above, and may incur criminal or civil liability.


• You own or otherwise control all the rights to the content you post; that the content is accurate; that use of the content you supply does not violate any provision herein and will not cause injury to any person or entity; and that you will indemnify the Company for all claims resulting from the content you supply.


• The Company is not responsible if information made available on its Site and/or the App is not accurate, complete or current. The material on the Site and/or the App site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without any consultation or more timely sources of information. Any reliance on the material on the Site and/or the App is at your own risk.


• The Company is not responsible for prompt update of the status of your policy, you must confirm your policy status from the Insurance company/ies and the Company shall update your policy status in the intervening period of time.


• The Company shall not be liable for any action taken by the User based on or relying on the information provided in or by the Site and/or the App.

Limited License

CoverSure grants you a limited license to access and make personal use of the Site and/or the App. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Site and/or the App, also it is not permissible to post unauthorized hypertext links or transmit any content that you do not have a right to make available (such as the intellectual property of another party); or undertaking any such activity that in CoverSure's sole discretion is an unreasonable action.

Limitation of Warranties

• The use of our Resources will meet your needs or requirements.


• The use of our Resources will be uninterrupted, timely, secure or free from errors.


• The information obtained by using our Resources will be accurate or reliable, and


• Any defects in the operation or functionality of any Resources we provide will be repaired or corrected

Your use of the Site and/or the App is at your sole risk. The company expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the above mentioned. If you download any materials from the Site and/or the App, you do so at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such materials. No advice or information, whether oral or written, obtained by you from the company or through or from the Site and/or the App shall create any warranty of any kind. The company does not make any warranties or representations regarding the use of the materials on the Site and/or the App.

Indemnification

You agree to indemnify and hold harmless the Company and its officers, directors, employees, representatives, agents, respective directors, and assigns from and against any liability or any claim or demand, including reasonable attorney fees and court costs, made by any third party due to or arising out of content submitted by the user, user’s use of the Resources, violation of this User Agreement, breach by the user of any of the representations and warranties herein, or user’s violation of any rights of another.

Limitation of liability

Under no circumstances, including but not limited to negligence, shall the Company, its employees and directors, its suppliers and its third party advisors be liable to the User for any direct, indirect, incidental, special or consequential damages or any damages whatsoever including punitive or exemplary (including, but not limited to, damages caused arising out of or in any way connected with the use/delivery/performance of the Site and/or the App. The User agrees that the Company shall not be liable for any damages arising from interruption, suspension or termination of the Site and/or the App whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, however, in no event shall the Company’s liability to the User for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by the User, if any, for accessing the Site and/or the App.

Intellectual Property Rights

All content and materials including but not limited to text, graphics, website name, code, images and logos displayed on the Site and/or the App are registered/unregistered trademarks of the Company, its licensors or content providers, or other third parties. Nothing on this site shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any material displayed on the Site and/or the App without the owner’s prior written permission. The Company reserves all rights not expressly granted in and to the site and its content.

Payments Warranties

Please note that CoverSure is only collecting or assisting in collecting the premium deposit on behalf of the insurer you have chosen to buy the policy or renew the policy. The acceptance of the deposit as premium and final issuance of the policy is subject to the underwriting norms and discretion of the Insurer whose policy you have chosen to buy on which CoverSure has no control in the same. All payments with respect to refunds shall be the sole responsibility of the insurer as per the rules and regulations laid down by the IRDAI.

Privacy:

Your privacy is very important to us, which is why we have created a separate Privacy Policy in order to explain in detail how we collect, manage, process, secure, and store your private information. To read our privacy policy in its entirety, please click on the Privacy Policy link on the Site and/or App.

Communications:

You expressly consent to receiving communication by way of SMS and/or E-mail or through WhatsApp from the Company or any third party in connection with the Resources or Your registration on the Site and/or App. If you are no longer interested in receiving communications and other information from us, please e-mail your request at: digital@coversure.in

Changes

We reserve the right to modify the contents of the Site and/or the App at any time, but we have no obligation to update any information on the site. You agree that it is your responsibility to monitor changes thereon. Your use of the Site and/or the App constitutes agreement to all such changes. The Company may discontinue or change any product or service described or offered on the Site and/or on its App at any time

Redressal of Grievances

If at any time you have questions or concerns with respect to the aforesaid Term & Conditions, please feel free to e-mail the Company at compliance@coversure.in or write us at below mentioned address. The Company shall seek to redress your grievance/complaint within 14 days from the date of receipt of the grievance/complaint given there exist no further information/investigation pending. While registering a grievance/complaint, you are kindly requested to quote your account details for the Company’s reference to enable it to effectively resolve your grievance/complaint.

Address: CoverSure. Cowrks 2nd Floor. Birla Centurion. Pandurang Budhkar Marg. Century Mills. Worli. Mumbai – 400030