WEALTHSTREET INSURANCE BROKERS PRIVATE LIMITED (HEREINAFTER REFERRED TO AS RAKSHAMITRA) OPERATES THE WEBSITE https://www.rakshamitra.com/ TO PROVIDE USERS VERY FLEXIBLE AND EASY WAY TO BUY INSURANCE PRODUCTS FROM MULTIPLE INSURANCE COMPANIES. RAKSHAMITRA IS NOT AN INSURANCE COMPANY, IT IS A LICENSED INSURANCE BROKERS COMPANY HOLDING A BROKING LICENSE FROM INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA BEARING IRDAI LICENSE NO. 751 VALID TILL: 28/06/2024.

When you use Rakshamitra, you understand and agree that:

Insurance providers supply information to us and it is made available on the Website and therefore there may be inaccuracies in the Website Information over which Rakshamitra has limited control. To the maximum extent permitted by law, Rakshamitra has no liability in relation to or arising out of the website information and website recommendations. Insurance is a subject matter of solicitation and as a user, you are responsible for the final choice of the product made by you. You agree and accept to read through all information supplied by the relevant insurance provider and, if required, after seeking any further advice from Rakshamitra or the relevant Insurer before choosing your product.

Rakshamitra is only collecting or assisting in collecting the premium deposit on behalf of the insurer you have chosen to buy 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 Rakshamitra has no control.

By visiting our website and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as ‘User Agreement’), along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy for more information). This User Agreement is effective from the time you visit our website. We reserve the right to change this User Agreement from time to time without notice, and your continued access or use of Rakshamitra signifies your acceptance of the updated or modified User Agreement.

Use and Conduct

By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by the terms of this User Agreement and applicable laws, regulations and generally accepted online practices or guidelines.

Wherein, you understand that:

In order to access our Resources, you may be required to provide certain information about yourself such as name, address, contact details, ID proof etc. You agree that any information you provide will always be accurate, correct, and up to date. By providing your information you explicitly authorize us to access on your behalf your records from the competent authority for the purpose of facilitation of your transaction with us. Rakshamitra may pass on your personal information to the relevant participating provider if you apply to purchase a product.

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 unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.

We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any 3rd party copyrights or trademarks, becomes the property of Wealthstreet Insurance Brokers Private Limited, and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we seem fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources. All information provided as part of our registration process is covered by our privacy policy.

All content and materials available on https://www.rakshamitra.com/ are the intellectual property of Wealthstreet Insurance Brokers Private Limited. Any inappropriate use is strictly prohibited.

Termination of Use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

Indemnification

You agree to indemnify and hold harmless Wealthstreet Insurance Brokers Private Limited and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement.

Governing Law

This website is controlled by Wealthstreet Insurance Brokers Private Limited from our offices located in the state of Gujarat, India. It shall be governed and construed in accordance with the laws of the Republic of India and the courts at Gujarat shall have exclusive jurisdiction on all matters and disputes arising out of and relating to the Site

Disclaimer of Limitation of Liability

You expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. Wealthstreet Insurance Brokers Private Limited will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you 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.

Warranties and Conditions

By using our website, 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 and it will be uninterrupted, timely, accurate, reliable, secure or free from errors; or Any defects in the operation or functionality of any Resources we provide will be repaired or corrected; or Any downloads from Rakshamitra will not harm your computer or device in any way

UNLESS OTHERWISE EXPRESSED, WEALTHSTREET INSURANCE BROKERS PRIVATE LIMITED 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.