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

Version Updated: 6th June, 2024

Claycove23 Insurance Tech Private Limited (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 Tech Private Limited”. 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” / “Platform”), 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:

• The Platform is developed solely for the purpose of providing useful information, convenience and value added services. You understand and accept that the availability of the information and guidance on the Platform does not constitute a recommendation by CoverSure to Buy any /products/ and or to avail any services and You shall do your own due diligence before deciding to avail any of the services available on the Platform.


• 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 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 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

By using our Resources, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:

• 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. You agree and confirm that CoverSure and or the Payment Gateway Service provider shall not be liable for any losses, damages that may be incurred by You either directly or indirectly in respect of any loss of access and/or use or interruption in the use of the Payment Mechanism due to the Maintenance Services being performed on the same.

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: WeWork, 6th Floor, Raheja Platinum, Off Andheri - Kurla Road, Sag Baug, Marol, Andheri East, Mumbai - 400059

Auxiliary Terms for Insurance Company and Claim Process information

Disclaimer: The information about the insurance company and their claim process have been obtained from the respective insurance company’s website. We do not guarantee its completeness, timeliness, or suitability for any particular purpose. We encourage you to independently verify the accuracy and relevance of the information before making any decisions or taking any actions based on it.

Auxiliary Terms for Access Key / Policy Share

Disclaimer: The policy wise details displayed under the portfolio section or family dashboard section is not intended to be exhaustive and is indicative in nature. While we make reasonable efforts to ensure the accuracy and reliability of the information provided, we do not guarantee the accuracy, adequacy or completeness of any information under the portfolio section and family dashboard section and are not responsible for any errors or omissions or for the results obtained from the use of such information. By accessing or using the portfolio or family dashboard, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer. If you have any questions or concerns, please contact us.

Auxiliary Terms for Access Key / Policy Share

Disclaimer: The Access Key / Policy Share is a feature wherein the user can share his / her insurance details with family members or friends basis his / her own will. The details contained in the Report is purely based on the information provided by the user. We disclaim any liability for actions taken based on the information provided in this content.

Auxiliary Terms for CoverPro / Risk Analyser / Insurance Calculator

Disclaimer: The CoverPro / Risk Analyser (Insurance Calculator) is intended for general informational purposes only. The calculations are based on the inputs provided by the user, and any discrepancies or errors in the inputs may lead to inaccurate results. While we strive to provide accurate and up-to-date information, the information available or obtained at/through the calculator is not guaranteed or warranted in terms of completeness, correctness, accuracy, reliability or otherwise howsoever by CoverSure or its directors or employees. Insurance is subject matter of solicitation. The information obtained is not and should not be construed as an offer for a policy or any other assistance. Making informed decisions about insurance coverage requires a comprehensive understanding of your individual circumstances. We strongly recommend consulting a licensed insurance advisor for personalized advice regarding your specific financial situation or insurance requirement. By using this calculator, you acknowledge and agree to the following:

• Estimate Only: The insurance cover amounts generated by this calculator are based on the information you provide and certain assumptions. These estimates do not guarantee the actual insurance cover you will be quoted by an insurance provider. Insurance cover can vary based on a wide range of factors, including but not limited to your age, location, health status, coverage options, and the underwriting guidelines of individual insurance companies.


• No Binding Result: The results of this calculator are not binding. To receive an accurate insurance cover and premium quote, it is recommended that you contact insurance companies or a licensed insurance advisor.


• Limited Scope: This calculator may not take into account all potential factors that could impact your insurance cover. Different insurance companies may have different underwriting criteria and pricing structures, which could affect the final insurance cover and premium offered to you.

By accessing or using CoverPro, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer. If you have any questions or concerns, please contact us.

Auxiliary Terms for Credit Card Insurance

Disclaimer: The details provided about credit card insurance coverage on this platform are for informational purposes only. This information is not intended to constitute financial advice, insurance advice, or legal advice. It is essential to consult with the corresponding bank or insurance company before making any decisions regarding credit card insurance or related matters.

• Scope of Coverage: The information provided may outline the general features, benefits, and terms of credit card insurance coverage. However, the actual terms and conditions of coverage may vary depending on the specific credit card, insurance provider, and jurisdiction. It is crucial to review the official insurance policy documents for accurate and up-to-date details.


• Exclusions and Limitations: Credit card insurance coverage may be subject to certain exclusions, limitations, and conditions. Not all situations or circumstances may be covered under the insurance policy. Review the policy documents carefully to understand what is covered and what is not covered by the insurance.


• Policy Changes: Insurance policies, including credit card insurance, may be subject to changes, updates, or modifications by the insurance provider. It is advisable to stay informed about any changes to the policy terms and conditions that may affect your coverage.


• Claims Process: In the event that you need to make a claim under the credit card insurance coverage, follow the procedures outlined by the insurance provider. Each insurance provider may have specific requirements for submitting claims, and failure to comply with these requirements could impact your claim's outcome.


• Accuracy and Liability: While we make reasonable efforts to ensure the accuracy and reliability of the information provided, we do not guarantee the completeness, accuracy, or reliability of the content. We are not liable for any errors, omissions, or damages arising from the use of or reliance on the information presented.

By accessing or using the credit card insurance information provided, you acknowledge that you have read, understood, and agreed to the terms of this disclaimer. If you have any questions or concerns, please contact us.

Auxiliary Terms for Know Your Policy / Pro Tip

Disclaimer: Know Your Policy / Pro Tip contains opinions and perspectives on an insurance product and is intended for informational purposes only. It is not intended as professional financial or insurance advice. The opinions expressed here are based on views basis the insurance product features, benefits, inclusions, exclusions and may vary widely based on individual policy, add-ons and factors such as age, gender, income, etc.

Any information provided in this content should not be interpreted as a recommendation or endorsement of a specific insurance product or provider.

Users are strongly advised to refer to their policy documents and the terms & conditions contained therein or consult a licensed insurance professional before making any decisions regarding insurance products. Any reliance on the information provided in this content is at your own risk.

While efforts are made to provide accurate and up-to-date information, there is no guarantee that the content reflects the most current developments in the insurance industry. We disclaim any liability for actions taken based on the information provided in this content.

Auxiliary Terms for SOS / Emergency Services

Disclaimer:

• No Guarantee of Service: While we strive to ensure the accuracy and availability of the emergency services offered on our platform, we cannot guarantee that the services will always be available or that they will meet your needs.


• Accuracy of Information: The information provided through our platform, including locations of hospitals, ambulance service providers, garages, petrol pumps, insurance details, and helpline numbers, is for general informational purposes only. We do not warrant the completeness, accuracy, or reliability of this information.


• Third-Party Services: Many of the services listed on our platform are provided by third-party vendors. We do not endorse, control, or assume responsibility for these third-party services, their quality, safety, availability, or any interactions you may have with them.


• Permission for Location Sharing: Your location will only be shared with your family members or emergency service providers if you have granted permission for such sharing. It is your responsibility to ensure that your location permissions are set according to your preferences.


• Emergency Situations: In an emergency, always call your local emergency services number immediately. Our platform is not a substitute for emergency medical, fire, or law enforcement services.


• Liability: We are not liable for any loss, injury, or damage resulting from the use of our platform or the emergency services listed on it. This includes but is not limited to direct, indirect, incidental, punitive, and consequential damages.