Coverfox Insurance Broking Pvt. Ltd. (hereinafter referred to as Coverfox) operates the website
https://www.coverfox.com to provide consumers choice and an easy way to buy Insurance products
from multiple Insurance companies. Coverfox is not an insurance company. Coverfox is a licensed Insurance
Broking Company holding a Broking licence from the Indian Insurance Regulator – Insurance Regulatory
and Development authority.
Our participating insurance providers supply some of the information available on the Website and therefore
there may be inaccuracies in the Website Information over which Coverfox has limited control.
Coverfox does not warrant or guarantee the Timeliness, accuracy or completeness of the Website Information;
or Quality of the results obtained from the use of the Website.
To the maximum extent permitted by law, Coverfox has no liability in relation to or arising out of the
Website Information and Website recommendations. You are responsible for the final choice of your
product and you should take time to read through all information supplied before proceeding. If you
are in any doubt regarding a product or its terms you should seek further advice from Coverfox or
the relevant participating provider before choosing your product.
Coverfox may pass on your personal information to the relevant participating provider if you apply to
purchase a product through https://www.coverfox.com , however, Coverfox does not guarantee when or if you
will actually acquire the product that you have chosen. Coverfox does not accept any liability arising
out of circumstances where there is delay in you acquiring the product you have chosen.
Please note that Coverfox 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 Coverfox has no control. Coverfox will ensure that the amount is
refunded by the insurer in case there is no ultimate issuance of policy.
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 section below for more information).
This agreement is in effect as of Oct 02, 2013.
We reserve the right to change this User Agreement from time to time without notice. You acknowledge
and agree that it is your responsibility to review this User Agreement periodically to familiarize
yourself with any modifications. Your continued use of this site after such modifications will constitute
acknowledgment and agreement of the modified terms and conditions.
Responsible 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 (a) the terms of this User Agreement, and (b) applicable
laws, regulations and generally accepted online practices or guidelines.
Wherein, you understand that:
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In order to access our Resources, you may be required to provide certain information about yourself (such as identification,
contact details, 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.
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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.
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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.
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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.
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Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited.
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You are solely responsible 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.
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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. By posting information or otherwise using any open communication tools as mentioned,
you agree that you will not upload, post, share, or otherwise distribute any content that:
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Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist,
or contains any type of suggestive, inappropriate, or explicit language;
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Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;
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Contains any type of unauthorized or unsolicited advertising;
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Impersonates any person or entity, including any https://www.coverfox.com employees or representatives.
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. We are not responsible for any
delay or failure in removing such content. If you post content that we choose to remove, you
hereby consent to such removal, and consent to waive any claim against us.
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We do not assume any liability for any content posted by you or any other 3rd party users of our website. 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 Coverfox Insurance Broking Pvt. Ltd.
, 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 see 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.
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You agree to indemnify and hold harmless Coverfox Insurance Broking Pvt. Ltd. and its parent company and affiliates, 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 or the failure to fulfill any obligations relating to your
account incurred by you or any other person using your account. We reserve the right to take
over the exclusive defense of any claim for which we are entitled to indemnification under this
User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested
by us.
Privacy
Your privacy is very important to us, which is why we’ve created a separate Privacy Policy in order to explain in detail
how we collect, manage, process, secure, and store your private information. Our privacy policy is
included under the scope of this User Agreement. To read our privacy policy in its entirety, click
here.
Limitation of Warranties
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:
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The use of our Resources will meet your needs or requirements.
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The use of our Resources will be uninterrupted, timely, secure or free from errors.
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The information obtained by using our Resources will be accurate or reliable, and
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Any defects in the operation or functionality of any Resources we provide will be repaired or corrected.
Furthermore, you understand and agree that:
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Any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and
that you are solely responsible for any damage to your computer or other devices for any loss
of data that may result from the download of such content.
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No information or advice, whether expressed, implied, oral or written, obtained by you from Coverfox Insurance Broking Pvt. Ltd.
or through any Resources we provide shall create any warranty, guarantee, or conditions
of any kind, except for those expressly outlined in this User Agreement.
Limitation of Liability
In conjunction with the Limitation of Warranties as explained above, 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. Coverfox Insurance Broking Pvt. Ltd.
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.
Copyrights/Trademarks
All content and materials available on https://www.coverfox.com, including but not limited to text, graphics, website name,
code, images and logos are the intellectual property of Coverfox Insurance Broking Pvt. Ltd., and
are protected by applicable copyright and trademark law. Any inappropriate use, including but not
limited to the reproduction, distribution, display or transmission of any content on this site is
strictly prohibited, unless specifically authorized by Coverfox Insurance Broking Pvt. Ltd.
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.
Governing Law
This website is controlled by Coverfox Insurance Broking Pvt. Ltd. from our offices located in the state of Maharashtra,
India. It can be accessed by most countries around the world. As each country has laws that may differ
from those of Maharashtra, by accessing our website, you agree that the statutes and laws of Maharashtra,
without regard to the conflict of laws and the United Nations Convention on the International Sales
of Goods, will apply to all matters relating to the use of this website and the purchase of any products
or services through this site.
Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located in India,
Maharashtra You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional,
venue, or inconvenient forum objections to such courts.
Guarantee
UNLESS OTHERWISE EXPRESSED, Coverfox Insurance Broking Pvt. Ltd. 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.
