TERMS & CONDITIONS
This document contains the rules, regulations, policies, agreement and terms and
conditions (“T&Cs”) applicable to any person who may access or use
www.checkyourpremium.com (“Website”), any subdomains, webpages or extension of
the Website. The T&Cs has been prepared in accordance with the provisions of Rule 3
(1) of the Information Technology (Intermediaries Guidelines) Rules, 2011 (“Rules”)
for access or usage of the Website. The T&Cs for the use of the Website, as set out
hereunder is an electronic record as per the provisions of Information Technology Act,
2000 read with the Rules thereunder, as may be applicable and amended from time to
The Website is owned by Check Your Premium Insurance Web Aggregator Private
Limited (“Check Your Premium”) which provides an online platform that is engaged in
the business of insurance aggregation.
By visiting the Website, you (hereinafter to be referred to as the “User”) accept the
T&Cs as mentioned herein and the User is aware and accepts that the T&Cs are subject
to amendments/modifications. In case the User disagrees with any of the T&Cs or any
part thereof, the User shall refrain from using the Website. It is advisable to read all
the T&Cs carefully before using the Website.
The User shall not share, submit, reveal, post or publish on this Website any proprietary
or confidential information of any third party without our prior written consent. The
User shall not use the Website in any way that causes, or may cause, damage to the
Website or impairment of the availability or accessibility of the Website; or in any way
which is unlawful, illegal, fraudulent or harmful activity.
The User shall not use the Website to advertise or offer to make a sale (buying and/or
selling) of goods or services or conduct any contest through or in relation to the Website
or Check Your Premium
In the event, the User provides any information that is untrue, i naccurate, not current,
incomplete or in the event we have reasonable grounds to deduce that the information
shared by the User with us is untrue, inaccurate, not current, incomplete, or not in
accordance with the T&Cs. We reserve the right to indefinitely suspend or terminate or
block the use or access by the User of the Website in any manner whatsoever.
DOWNLOADING OF MATERIAL
Check Your Premium does not guarantee or warrant that files available for downloading
through the Website will be free of viruses or other harmful computer code, files or
AS IS BASIS
The User agrees and acknowledges that Check Your Premium acts as an aggregator, the
products and information on the Website available is of partner insurers on an “As is”
basis without any warranty or condition, express, implied or statutory. We does not
make any representation or warranty as to the attributes of any of the listed insurance
policies. We shall not be liable in any manner whatsoever for the transaction between
the User and the insurance provider. The User is advised to use its best judgment and
independently verify the bona fides of any particular party that the User may choose to
deal with on the Website.
We shall not be responsible in any manner whatsoever for return, refund and
cancellation or the payment or the charges incurred by the User in availing any
insurance policy through the Website. The User is aware that Check Your Premium is
neither acting as trustee nor acting in a fiduciary capacity with respect to the
transaction or the payment. The User further agrees and acknowledges that Check Your
Premium is only a facilitator of information and have no interest in the payment and
transaction to be carried between the User and insurance provider. All the disputes
regarding payments shall be routed to the insurer.
LIMITATION OF LIABILITY
The User is aware that the Check Your premium simply facilitates the partner insurers
to display the products (which include various insurance policies and schemes as
approved by IRDAI) on the Website and provides the User with an opportunity to
purchase the products listed by the insurance providers on the Website. Check Your
Premium at no point of time owns the products listed on the Website and Check Your
Premium, its associate, affiliates, and technology partners make no representations or
warranties about the accuracy, reliability, completeness of any content, information,
error free and/or uninterrupted services, software, text, graphics, links or
communications provided on or through the use or operation of the Website. Check
Your Premium assumes no liability whatsoever for any monetary loss or other damage
suffered by the User on account of delay or interruption, o r corruption of any data or
other information transmitted in connection with use or operation of the Website.
CONFIDENTIALITY AND PRIVACY
We understand the importance and confidentiality of the information shared by the
INTELLECTUAL PROPERTY RIGHTS
Check Your Premium retains all right, title and interest in intellectual property and
proprietary rights of the Website.
The User agrees and acknowledges that all data provided on the Website, including and
not limited to all software information, electronic and printed media, contained
copyrighted materials, logos, registered trademarks, trade secrets, patent related
material and other proprietary intellectual property are the proprietary assets of Check
Your Premium. They are protected by copyright, trade secret, patent laws and other
proprietary rights and laws, and they may only be used or accessed otherwise than, as
specifically provided for, in the T&C. User shall not re -distribute or re-publish any
content from the Website without the express written consent.
PROTECTION OF PROPRIETARY INFORMATION
The User agrees that it will not store, copy, modify, rent, lease, loan, sell, distribute,
transfer, transmit, display, reverse-engineer, reverse-assemble, or otherwise attempt
to discover any programming code or any source code used in the Website. The User
shall not otherwise attempt to transfer any right in the Website (which includes its
software, design and content), create derivative works based on it or in any manner
commercially exploit the Website in whole or in part. The User agrees that any violation,
of these copyrights, trade secrets, patents, other intellectual property protections or
the T&C will lead to prosecution under the Indian Laws.
USER GENERATED CONTENT
Check Your Premium reserves the right to edit or remove any material submitted to the
Website, or stored on the servers, or hosted or published upon the Website without
prior notice or explanation. In the T&Cs, “User generated content" means material
(including without limitation text, images, audio mate rial, video material and audiovisual material) that the User submits on the Website, for the Purpose.
The User generated content must not be defamatory, vulgar, obscene, offensive,
libellous, slanderous or illegal or unlawful in any way and must not infringe any third
party's rights, and must not be capable of giving rise to legal action whether against the
User or Check Your Premium or a third party (in each case under any applicable law).
The User shall not submit any User generated content on the Website that is or has ever
been the subject of any threat or actual legal proceedings or other similar complaint.
Notwithstanding our rights under the T&Cs in relation to User generated content, Check
Your Premium do not undertake to monitor the submission of such content to, or the
publication of such content on, the Website.
A cookie is a small data file stored on User’s computer or mobile device. It holds enough
data on the User to customize the Website to that of the User’s preference. Cookies
may retain log-in information, save preferences, and even direct the user to the spot
where the User have last browsed. The User may enable the Cookies within the browser
or indicate preferences in the setting section on the mobile devices. Since t he Cookies
PRIVACY AND OWNERSHIP OF INFORMATION
Unless otherwise expressly set forth herein, by submitting any information,
communication or material the User may transmit to the Website including data,
questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will automatically become the property of Check Your Premium and the
User shall be dealt to grant proprietary rights in such information, communication or
material including but not limited to intellectual property rights under any relevant
Such information, communication or material may be used (subject to the Privacy
Policy) for any purpose, including, but not limited to, repr oduction, solicitations,
disclosure, transmission, publication, broadcast, and posting. Furthermore, Check Your
Premium is free to use any ideas, concepts, know-how, or techniques contained in any
communication that the User may send to the Website for any lawful purpose
whatsoever, including, but not limited to, developing and marketing products using
The User agrees to defend, indemnify and hold harmless Check Your Premium, its
affiliate, partner insurers, service providers, service partners and their respective
officers, directors, employees and representatives from any and all claims arising out
of the breach of any of the T&C by the User.
The Website may link the User to partner insurer web sites. Check Your Premium does
not control, endorse or review the content of these sites, and we shall not be
responsible for such content. We assumes that user redirecting through “Quick Check”
tab is aware of policy/policy exceptions and do not require price comparison to choose
one, he we will be redirected to insurer website without showing the comparison.
FITNESS OF THE E-PORTAL
The User shall remain fully and solely responsible for evaluating the fitness for the
purpose of any downloads, programs and text available through us and for visiting the
Website or any External Links. Check Your Premium shall not be liable to the User fo r
damage caused by the computer, computer software, programs, files or data thereon
or any other direct or indirect, consequential and incidental damages suffered by
accessing the Website or External Links.
The T&Cs may be revised at any time without giving any prior notice. The revised T&Cs
shall apply to the use of the Website from the date of such publication. The User is
bound by such revisions and shall therefore periodically visit the webpage to review the
then current T&Cs to which the User shall be bound.
EXCLUSION OF THIRD PARTY RIGHTS
The exercise of Check Your Premium and the User’s rights in relation to the T&Cs are
not subject to the consent of any third party. The T&Cs are for User’s benefit, and are
not intended to benefit any third party or be enforceable by any third party.
Check Your Premium and the User in relation to the use of the Website, and supersedes
all previous agreements in respect to the use of the Website.
Insurance is the subject matter of solicitation. Hence, except as specifically set forth
herein, the information contained on the Website is not an offer to sell or any security,
insurance product or other product or service or to provide tax, legal or other advice.
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.
Neither Check Your Premium nor its affiliates, suppliers, service providers or service
partners shall be liable for any failure to perform any obligation due to an event beyond
the control of such party resulting from a direct and immediate consequence of any act
of God, riot, civil unrest, earthquake, flood, terrorism, war, act of civil or military
authority, or any other natural or man-made eventuality outside control of the parties
and which could not have been reasonably foreseen. No claims whatsoever on account
of the same shall be entertained by us.
The Website is only a platform where the User will interact with the partner
insurer/insurance providers the products of which are listed on the Website on a
principal-to-principal basis. The pricing, payment terms, warranties related to such
products listed are in accordance with such obligations and based on bipartite
contractual obligations between the insurance provider and the User. Check Your
Premium does not involve itself in the offer or acceptance of such commercial and/or
contractual terms between the User and the insurance provider. Further, the
relationship between the User and the Website is that of an independent party, and
nothing herein constitutes or creates any employment, agency, distributorship,
franchise, joint venture, partnership or other similar legal relationship between the
parties. Neither party shall have any right or authority to act on behalf of or to bind the
other nor shall any party represent that it has such right or authority.
The invalidity or unenforceability of any provision shall not affect any other part of the
T&Cs, and such invalid or unenforceable provisions shall be severed or stands modified
to give effect to the provisions of other T&Cs
Any dispute or difference arising between Che ck Your Premium and the User as to the
meaning or interpretation of provisions of the T&Cs or as to any claim by one party
against the other arising from use of the Website shall be referred for arbitration to a
sole arbitrator appointed by Check Your Premium. The arbitration proceedings shall be
governed by the provisions of the Arbitration and Conciliation Act, 1996 as amended
from time to time. The Arbitration proceedings shall be conducted at Bhopal. The
language of arbitration shall be English. The arbitration award shall be binding and
conclusive in nature.
The T&Cs shall be governed by laws of India