TERMS OF USAGE OF WEBSITE/WEB APPLICATION/MOBILE APPLICATION
Innovage Fintech Pvt. Ltd. (‘hereinafter referred to as ‘Innovage’ or “Corporate Agent-Composite” (CA)) owns and maintains the Website www.5nanceinsure.com (hereinafter referred to as the ‘Website/Web Application’).
The usage of the Website/Web Application/Mobile Application or Services and Information, is entirely at your own risk. If you do not agree with any of the governing conditions, you should discontinue usage of the Website/Web Application/ Mobile Application and/or Services and Information. Your continued use of the Website/Web Application/Mobile Application shall mean your deemed acceptance to the Governing Conditions, as modified from time to time.
The Website/Web Application/Mobile Application displays information relating to products offered by Innovage as Corporate Agent, videos, investor education related information and general information. Innovage has taken all necessary precautions to ensure that the information contained on this Website/Web Application/ Mobile Application is as per the respective Insurers product details provided to Innovage as on at the date of publication. Innovage makes no representation, warranty or guarantee(express or implied) as to the quality, accuracy, completeness, performance or fitness of any alert, article, view, video, information, advice, tool, calculator, analysis, report, data, content news, price, statistic, comment, feedback, advertisement etc. provided on or through the Website/Web Application/ Mobile Application (collectively, “the Services and Information”). The Services and Information provided on or through the Website/Web Application/Mobile Application are for general guidance and information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever. Innovage cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in on, any information appearing on this Website/Web Application/ Mobile Application.
The services/offers/products provided on this Website/Web Application/Mobile Application do not constitute an offer to sell or a solicitation of an offer to buy products by any person in any jurisdiction where it is unlawful to make such an offer or solicitation. It shall be the sole responsibility of the User/Investor of this Website/Web Application/ Mobile Application to verify whether the usage of this Website/Web Application/ Mobile Application and/or availing the services/facilities/products is in conformity with the applicable laws in their respective jurisdictions.
The Website/Web Application/ Mobile Application also may provide links to other related Website/Web Applications/ Mobile Application for the convenience of the User/Investor. The Website/Web Application/ Mobile Application should be accessed only by such User/Investor who is not specifically restricted to transact through online or otherwise in the products/services of Innovage.
The Services and Information do not constitute any endorsement or solicitation to buy or sell any products or services for any reason whatsoever. Nothing on the Website/Web Application/ Mobile Application or Services and Information is intended to constitute legal, tax or product advice, or an opinion regarding the appropriateness of any product or services.
The Services and Information are dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of Users/Investors. Hence, they should not be solely relied on when making decisions to buy the products. Your decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website/Web Application/Mobile application or in any Services and Information would construe Innovage or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website/Web Application/Mobile Application are not meant to be an endorsement or offering of any product or services. These are meant for general information only. Innovage or any of its employees are in no way liable for the use of the information by you, when making any decision or investing through any group or associate companies of Innovage, or any other third party which may be engaged in offering of these services.
Investment in the products and services may be risky and you shall always assume complete and full responsibility for the outcomes of all the decisions that you make. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or services before taking final decision.
Any access to information hosted on third party Website/Web Applications/ Mobile Application of /Associate companies or group companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these third parties.
You also agree and understand that data feeds, prices, rates and other similar market value information about any product could be based on delayed feeds and that these data or information may not reflect the real time values/actual rates. You are therefore advised to refer to latest market values/rates/prices from time to time.
Innovage is not responsible for any errors or omissions or for the results obtained from the use of the Website/Web Application/ Mobile Application or Services and Information. Innovage disclaims all liability of whatever nature, to any user/investor, on account of the use of the Website/Web Application/ Mobile Application or Services and Information. In no event shall Innovage or its affiliates or its group company or its employees, directors or authorized representatives be held liable for any direct, indirect, special, consequential, punitive or exemplary damages of any nature whatsoever, for any decision made or action taken in reliance upon the Services and Information.
Innovage/its employees/authorized representatives will not be responsible for any liability in respect of any person/entity directly or indirectly suffering any consequential losses, damages or claims of whatever nature as a result of any shortcoming, defect or inaccuracy that may have crept in on this Website/Web Application/ Mobile Application, or otherwise using the information available on this Website/Web Application/Mobile Application in any manner.
Before accessing any service/facility by Innovage that may be offered, the User/Investor is requested to accept the terms and conditions of such service/facility separately and agree to be bound by the same.
The User/Investor of this Website/Web Application/ Mobile Application may download materials, data etc. displayed on the Website/Web Application for non-commercial and/or personal use only. The User/Investor may not, however, distribute, modify, transmit, reuse, report, or use the contents of the Website/Web Application/Mobile Application for public or commercial purposes, including the text, images, audio and video without Innovage’s written permission.
The User /Investor shall not delete, modify and/or otherwise interfere with copyright or other intellectual property rights displayed on the Website/Web Application/Mobile Application.
The User/Investor may access the product’s features/brochures, pricing/premiums etc. uploaded on the Website/Web Application/Mobile Application. The User is requested to refer to the disclaimers for each product/services at the relevant pages and consult their independent professional and tax advisors before buying the product.
Reports, data, video clippings, and/or information displayed on the Website/Web Application/ Mobile Application are for information purposes only. Information and data displayed on the Website/Web Application/ Mobile Application may be provided by respective Insurers. Innovage makes no representations of any kind whatsoever about the content of any such Website/Web Application/ Mobile Application that the User/Investor may access through this Website/Web Application/ Mobile Application.
Innovage advises the User/Investor also to confirm the accuracy of any such information before seeking to rely on such information. Innovage disclaims all liability that the User/Investor may incur as a result of relying on any such reports/information and/or accessing any other Website/Web Application/ Mobile Application and/or any third party content that may be accessed from the Website/Web Application/ Mobile Application.
Despite all possible security measures that Innovage takes to keep the Website/Web Application/Mobile Application free from hacking and other interference, the Website/Web Application/Mobile Application like any other Website/Web Application/ Mobile Application is not entirely free from such risks. Innovage disclaims all liability on account of any loss or damage that the User/Investor may suffer or incur on account of any alteration or manipulation of any data or information that may be accessed or downloaded from the Website/Web Application/ Mobile Application and/or the transmission, through the use of the services or information of a computer virus, other computer code or programming device that might damage, corrupt, deactivate, disable, disrupt, or otherwise impede in any manner such services or any of the User’s/Innovage software, hardware, data or property. Innovage shall not be liable for the correctness, accuracy or reliability of the data and/or uninterrupted/ error free provision of the service.
Innovage may at any time discontinue and/or amend the terms and conditions of the services/facilities offered on the Website/Web Application/ Mobile Application.
Copyright, patent, trademark and/or other intellectual property rights in this Website/Web Application/ Mobile Application and the information/data contained herein are owned by Innovage, or insurers or relevant third party content providers. Except as expressly permitted by Innovage, the User/Investor not reproduce, transmit, sell, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit such information/data/materials or any of the services provided in any manner. It is to be distinctly understood that the products being offered on this Website/Web Application/ Mobile Application have not been recommended by Innovage.
Compliance with Laws
The User/Investor undertakes to comply and be bound by all applicable laws and statutory requirements in India. Any dispute arising out of the use of this Website/Web Application/ Mobile Application and/or any of the services/products/facilities offered shall be subject to the exclusive jurisdiction of the Courts in Mumbai, India.
Password Protected Areas
Access to and use of password-protected and/or secure areas of the Website/Web Application/ Mobile Application are restricted to authorized Users/Investor only. The User/ investor should not obtain or attempt to obtain unauthorized access to such parts of the Website/Web Application/ Mobile Application.
16th April 2019.