We at Acko Technology and Services Private Limited (“our”, “us”, “we”, “Company”, “Acko Tech”) have developed the Acko website – www.acko.com and/or its mobile application (“Platform”) and are pleased to extend the Platform to you as a user or visited (“you”, “your”, “User” and/or “Visitor”). 

WHEN YOU AVAIL ANY OF THE SERVICES OR PRODUCTS ON / OR THROUGH THE PLATFORM (“SERVICE/S”), YOU WILL, IN ADDITION TO THESE TERMS OF USE, BE SUBJECT TO THE RULES, GUIDELINES, POLICIES, TERMS, AND CONDITIONS APPLICABLE TO SUCH SERVICE/PRODUCTS, AND THEY SHALL BE DEEMED TO BE INCORPORATED INTO THIS TERMS OF USE AND SHALL BE CONSIDERED AS PART AND PARCEL OF THIS TERMS OF USE. 

Please read these terms of use (“Terms” / “Terms of Use”) carefully before you use the Platform. Acko General Insurance Limited and Acko Life Insurance Limited (each an “Insurance Affiliate”, together the “Insurance Affiliates”) have additional Terms of Use. 

WE RESERVE THE RIGHT, AT OUR SOLE DISCRETION, TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS OF USE, AT ANY TIME WITHOUT ANY PRIOR WRITTEN NOTICE TO YOU. YOU SHALL ENSURE TO REVIEW THESE TERMS OF USE PERIODICALLY FOR UPDATES/CHANGES. YOUR CONTINUED USE OF THE PLATFORM FOLLOWING THE POSTING OF CHANGES WILL MEAN THAT YOU ACCEPT AND AGREE TO THE REVISIONS. 

AS LONG AS YOU COMPLY WITH THESE TERMS OF USE, WE GRANT YOU A PERSONAL, NON-EXCLUSIVE, NON-TRANSFERABLE, LIMITED PRIVILEGE TO USE THE PLATFORM. BY ACCEPTING THESE TERMS OF USE, YOU ALSO ACCEPT AND AGREE TO BE BOUND BY OUR POLICIES INCLUDING BUT NOT LIMITED TO PRIVACY POLICY AS AMENDED FROM TIME TO TIME.

WE ACCEPT NO RESPONSIBILITY FOR THE PROVISION OF SERVICES AND/OR INSURANCE PRODUCTS BY THE INSURANCE AFFILIATE/S. WE ARE NOT LIABLE FOR ANY LOSSES THAT MAY OCCUR AS A RESULT OF THE ACTS OR OMISSIONS OF THE INSURANCE AFFILIATE/S. 

BY CLICKING “I AGREE” TO “TERMS OF USE”, YOU GIVE YOUR UNCONDITIONAL ELECTRONIC ACCEPTANCE TO THIS AGREEMENT UNDER THE INFORMATION TECHNOLOGY ACT 2000. 

This Platform will be deemed to be in use when it is loaded/ loading and/or continues to be loaded in a temporary or permanent memory of your computer, phone, tablet or any other similar device / system, or the internet browser thereof.

The User of this Platform unequivocally declares and agrees that the User is a natural / legal person who has attained the age of at least 18 years and is legally allowed to enter a contract in India. If you do not qualify, you may not use the Service or access the Platform.

You will be required to create an account on the Platform to avail or seek information on our Services / products or to utilize the full features of the Platform including to  avail the services / products of the Insurance Affiliates (“Your Acko Account”). All your actions, acts and omissions on the website and the mobile may be consolidated and reflected in Your Acko Account on the Platform. You will be able to access Your Acko Account from the website or the mobile app of the Platform with the same login credentials, as the case may be.

You agree that if you create an account on the Platform, you are responsible for maintaining the security of Your Acko Account and you are fully responsible for all activities that occur under Your Acko Account and any other actions taken in connection with it. 

To create Your Acko Account, you must provide us with your phone number, which we may authenticate with a one-time password. You must also permit us to gain access to your financial or other SMS, contacts, location data, storage and such other device data as we may require you to provide our Services to you or for the Insurance Affiliate to provide their services / products to You. You have to provide us with the details, information, access and data as prompted on the Platform (with supporting documents to the satisfaction of our Insurance Affiliate). Please read the Privacy Policy for details.

You must immediately notify us of any unauthorized use of Your Acko Account or any other breach of security of Your Acko Account within your knowledge. We will not be liable for any acts or omissions by you or any third party, including any damages of any kind incurred as a result of such acts or omissions. 

You agree that we may suspend, disable, or delete Your Acko Account (or disable any feature or any part thereof) if we determine that you have violated any provision of these Terms of Use or that your conduct could, would or is likely to damage our reputation and/or goodwill and/or have a detrimental effect on our business or financial conditions, or lead to a violation of the provisions of any applicable law, in our sole and independent discretion. We may block your email address and internet protocol address to prevent further registration / use / access.

You confirm and agree that you will maintain only one account on the Platform and will be the sole and exclusive owner of Your Acko Account on the Platform, and accepts sole responsibility for use, confidentiality and protection of your user ID and password for Your Acko Account. Additionally, you are prohibited from selling, trading, or otherwise transferring Your Acko Account to another person / party. 

Subject to applicable laws, all transactions, which cannot be carried out instantaneously, shall be carried out during working hours either on the same day or on the next working day or such further period as may be determined and/or specified by the relevant Insurance Affiliate depending upon the time of logging of the transaction subject always to the requirements under applicable laws. 

All transactions that are carried out shall be subject to notifications, the rules, regulations and guidelines issued by the IRDAI, the Reserve Bank of India (“RBI”), and those of other regulatory bodies defining rules and regulations governing the offer of any service and/or products.

Providing false or incorrect information or details of any kind at the time of creation of Your Acko Account or any time thereafter may result in the suspension or termination of Your Acko Account and/or the policy/ies (to the extent permitted under applicable laws). 

You understand and acknowledge that we and/or our Insurance Affiliates all the rights for the information, contents, audio, video, logos and trademarks, including text, images, graphics, videos and sound contained in this Platform and/or the Services or any product on the Platform or otherwise (“Material”). 

You understand and agree that any reproduction, modification, creation of derivative works, distribution, transmission, copying, selling, displaying, publishing or using any of the information, contents, audio, video, logos and trademarks contained in this Platform or any Material or part thereof for any purpose whatsoever, whether electronically or otherwise, without our / Our Insurance Affiliates permission is strictly prohibited. 

We grant you a personal, non-exclusive, non-transferable, limited license to access the Platform and privilege to avail the Services and make personal use of the Platform and/or the Services including to the Insurance Affiliate/s. You may use and/or download material displayed on this Platform for your personal use only, provided that you also retain the logos, brand-names and markings pertaining to all trademark, copyright and other proprietary notices contained in the Materials. You agree not to use, transfer, distribute or dispose of any information contained on the Platform or the Material in any manner whatsoever. This limited license does not confer any right to download, copy, create a derivative work, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Platform / Services. 

You do not have the right to use any of Our or the Insurance Affiliate’s, trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Platform / Services or in the Materials of the Insurance Affiliate.

You further acknowledge and affirm that you shall not:

Engage in fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use.

You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. We and the Insurance Affiliate/ss will fully cooperate with any law enforcement, statutory or regulatory authority/ies or court order requesting or directing us to disclose the identity or personal data of anyone posting any such information or materials.

Copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper in any way or otherwise use any Materials contained in the Platform. These restrictions apply in relation to all or part of the Materials on the Platform.

Copy and distribute this information on any other server or modify or re-use text or graphics on this system or another system.

Participate in any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Platform or us or the Insurance Affiliate’s systems or networks, or any systems or networks connected to the Platform or to us or the Insurance Affiliates.

Use any device, software or routine to interfere or attempt to interfere with the proper working of the Platform or any transaction being conducted on the Platform, or with any other person’s use of the Platform.

Attempt to probe, scan or test the vulnerability of the Platform or any network connected to the Platform, nor to breach the security or authentication measures on the Platform or any network connected to the Platform.

Attempt to reverse look-up, trace or seek to trace any information on any other user of or visitor to the Platform.

Use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Platform or any content, or in any way reproduce or circumvent the navigational structure or presentation of the Platform or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Platform.

Attempt to gain unauthorized access to any portion or feature of the Platform, or any other systems or networks connected to the Platform or to any of our or the Insurance Affiliates server, or to any of the services offered on or through the Platform or by the Insurance Affiliate, by hacking, password “mining” or any other illegitimate means.

Attempt to forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to us or the Insurance Affiliate on or through the Platform or any service offered on or through the Platform. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

Attempt to use the Platform or any content for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes the rights of the Company or Insurance Affiliates or others.

Attempt to knowingly or intentionally penetrate or access our network or systems without authorization or exceeding authorized access; and by means of such conduct carry out an unauthorized transaction or obtain access to information, data or computer database that is restricted.

Attempt to introduce or cause to introduce any computer contaminant and by means of such conduct cause or be likely to cause damage or destruction to our property or disruption of our / the Insurance Affiliates’ services.

The User shall pursue all necessary steps to ensure that their machines are virus free while accessing the Platform or any services of the Insurance Affiliate/s. The User shall refrain from activities like uploading files infected with viruses or malicious scripts/ programs or trying to infect the us or the Insurance Affiliates system with viruses, worms and/or other malicious codes.

Unethical practices.

The User warrants that the User will not use any software, tool or code that would hamper or disable all or any portion of the Platform offered by us or the services/products offered by the Insurance Affiliate. The User also warrants against use of reverse engineering tools to break or harm the portals or services offered by us or the Insurance Affiliates. 

Your insurance is going to be sanctioned by the Insurance Affiliate and be governed by the applicable policy document/s and the applicable laws. The details of such policy, however, shall be shown on Your Acko Account on the Platform for your ease of reference. Acko Tech does not offer or solicit any insurance products.

If you are availing an insurance product from the Insurance Affiliate, once the Insurance Affiliate accepts the proposal and issues you the insurance policy/ies, we will display the relevant policy documents to you with respect to such insurance product/s and services also. You hereby grant us the right to store, access and process the policy document/s to display the policy details to you in Your Acko Account and provide the Services. Please read the Privacy Policy for details.

You will be required to issue appropriate auto-debit instructions for your bank account for the payment of the premium amounts to the Insurance Affiliates. The relevant Insurance Affiliate’s will display the details of the premium amount, including the due date and amount payable, as well as whether your payment was received or not, from time to time. Please read the respective terms of use and the policy documents for details.

The Insurance Affiliates directly disburse the claim amounts, as stated under the Claim Form or on the Platform while filing for the claim, to the bank account of your choice, as per the policy documents and applicable laws. Prior to making this transfer, however, the Insurance Affiliate will ensure compliance with all applicable laws including to verify your bank account.

Please note that a copy of your insurance policy/ies, due dates for payment of premiums, option to renew your insurance policy/ies, initiating the claims process and other updates on your insurance policy/ies are made available through the Platform in Your Acko Account. Given these reasons and for facilitating a seamless digital journey, you are advised not to remove the Platform from your device until the policy/ies has expired. In case you are compelled to remove the Platform or delete Your Acko Account from your electronic device, please reach out to us immediately on the details provided in the “Contact Us” Section. Users who have availed our Services or the services / products of any Insurance Affiliate may not, prior to such Services being completed/closed, either uninstall or delete Your Acko Account or the Platform from your electronic device. Such Users may further note, that in the event you either delete the Platform from your device or request for deletion of Your Acko Account at any point prior to the closure of the respective Services by us or the Insurance Affiliate/s, such an act will not extinguish your responsibilities under the applicable documents/policies/laws.

Any decision to purchase any policy/product/service of the Insurance Affiliate will be based solely on your independent evaluation of the policies/products of the Insurance Affiliate, and your need for the same. You shall be responsible for assessing and determining whether the policies/products offered by the Insurance Affiliate satisfy your requirements. Additionally, you will be responsible for assessing the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Platform and you should consult their own legal counsel, business advisor and tax advisor as to the legal, business, tax and related matters concerning any policies with respect to which guidance is sought or given.

In consideration of us providing the Platform / Services, you shall, at your own expense, indemnify and hold us and the Insurance Affiliates, including the directors and employees, representatives, agents and/or, as the case may be, indemnified against all losses and expenses on a full indemnity basis which we or our Insurance Affiliates, may incur, sustain, suffer or is likely to suffer in connection with (i) our, or Insurance Affiliate’s execution of the your instructions (through Your Acko Account or otherwise), (ii) your breach of any Terms of Use, (iii) fraud, misconduct, negligence or misrepresentation, and/or (iv) breach of any applicable laws. The User shall pay, on demand, to us or our Insurance Affiliates, such amount as may be determined by us, and/or the Insurance Affiliates to be sufficient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature.

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, MISCONDUCT OR DEFAULT, SHALL WE OR OUR INSURANCE AFFILIATES, ITS EMPLOYEES AND DIRECTORS, ITS SUPPLIERS AND/OR ITS THIRD PARTY ADVISORS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING PUNITIVE OR EXEMPLARY (INCLUDING, BUT NOT LIMITED TO, DAMAGES CAUSED BY ANY VIRUS, PERSONAL INJURY, LOSS OF PROFITS, DATA OR OTHER INTANGIBLE, BUSINESS INTERRUPTION, LOSS OF PRIVACY, OR ANY OTHER PECUNIARY LOSS), ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE/DELIVERY/PERFORMANCE OF THIS PLATFORM  OR THE SERVICES, WITH THE DELAY OR INABILITY TO USE THIS PLATFORM OR ANY LINKS OR ITEMS ON THE PLATFORM, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THIS PLATFORM, OR OTHERWISE ARISING OUT OF THE USE OF THIS PLATFORM, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, OR RESULTING FROM THE USE OF THIS PLATFORM OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE PLATFORM /SERVICE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WE DO NOT ACCEPT RESPONSIBILITY FOR ANY AMOUNTS TRANSFERRED TO YOUR BANK ACCOUNT OR ANY REMITTANCE TO YOUR ACCOUNT THAT HAS FAILED. 

WHILE WE HAVE MADE REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE INFORMATION ON THIS PLATFORM, ERRORS OR OMISSIONS SOMETIMES OCCUR, THE PLATFORM, THE MATERIAL AND ANY CONTENT ON THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY ANY APPLICABLE LAWS, WE MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE CORRECTNESS, ACCURACY, COMPLETENESS, ADEQUACY, RELIABILITY, OR OTHERWISE OF THE CONTENT OF THIS PLATFORM, NOR DO WE ACCEPT ANY LIABILITY ARISING THEREFROM. WE DO NOT REPRESENT OR WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS OR BE UNINTERRUPTED OR ERROR FREE.

THE INSURANCE POLICY/IES FORM A BI-PARTY AGREEMENT BETWEEN YOU AND THE RESPECTIVE INSURANCE AFFILIATE/S. POLICY/IES ARE MARKETED AND/OR DISTRIBUTED SOLELY BY INSURANCE AFFILIATES AS PER THE REQUIREMENTS OF IRDAI / APPLICABLE LAWS, AND ARE NOT IN ANY WAY ASSOCIATED TO, US OR  THE PAYMENT GATEWAY SERVICE PROVIDER, AND NEITHER WE NOR THE PAYMENT GATEWAY SERVICE PROVIDER SHALL BE LIABLE FOR THE SAME. 

THE INSURANCE AFFILIATE/S ARE REGULATED BY THE IRDAI AND DO NOT OFFER ANY NON-INSURANCE RELATED PRODUCTS AND/OR SERVICES, AND THE INSURANCE AFFILIATE/S ARE NOT RESPONSIBLE OR LIABLE FOR ANY SERVICES OR PRODUCTS OFFERED OR SOLD BY US.   

WE ARE A TECHNOLOGY PLATFORM, AND WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY SERVICES OR PRODUCTS OFFERED OR SOLD OR SERVICES BY THE INSURANCE AFFILIATE/S.  

NOTHING IN OUR TERMS OF USE AND PRIVACY POLICY WILL PREVENT US OR THE INSURANCE AFFILIATE/S FROM COMPLYING WITH THE APPLICABLE LAWS.

IN NO EVENT SHALL OUR OR THE INSURANCE AFFILIATE/S AGGREGATE LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED INR. 1000/-.

We and/or the Insurance Affiliates shall not be liable if any transaction does not fructify or may not be completed. We or the Insurance Affiliates will not be held responsible for any delay or failure to comply with our obligations if the delay or failure arises from any cause/s which is beyond our reasonable control or not attributable to us or the Insurance Affiliates or due to your acts or omissions.

We and the Insurance Affiliates do not assume any responsibility, and are not liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Platform or your downloading of any materials, data, text, images, video, or audio from the Platform.

Please note that there is no guarantee that any email sent by you will be received, or that the contents of any such email will remain private during internet transmission and that there are inherent risks involved in sending the instructions/Communications/documents by electronic means and hereby agree and confirms that all respective risks shall be fully borne by you who assumes full responsibility for the same. In this regard, you will not hold us and the Insurance Affiliate liable and hereby hold us and the Insurance Affiliate harmless from any demands, actions, liabilities, losses, damages, expenses or claims.

Although this Platform and/or the Services offered herein may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein. We or the Insurance Affiliates are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their websites / apps including those of the Insurance Affiliates. We do not assume any responsibility or liability for the actions, products, services, and content of any other third parties including the Insurance Affiliates. You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Platform. Your usage or access to any other off-site websites is at your own and sole risk. We will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your interactions with the third parties under any circumstance whatsoever.

We or the Insurance Affiliates may, from time to time, display offers and advertisements from third parties on our Platform for your benefit. However, this does not mean we endorse these third parties. If you accept any of the services of such third parties, such arrangement shall be solely between you and the third party, you should avail yourself of such services only after you have read their terms of use and privacy policies.

References on this Platform to any names, marks, products or services of third parties or hyperlinks to third party websites or information are provided solely for your convenience and do not in any way constitute or imply our endorsement, sponsorship or recommendation of the third party, information, product or service. 

We and the Insurance Affiliates reserves the right to monitor the Platform, Your Acko Account and all its content, and to disclose any information as necessary to satisfy any law, regulation or governmental request whether by the IRDAI, RBI, or any other law / authority, or to edit, remove any information or materials, in whole or in part, that in our or the Insurance Affiliate’s  sole discretion are objectionable or in violation of these Terms, with or without prior notice to you. 

You can review the most current version of the Terms of Use at any time on this page. We and the Insurance Affiliates reserve the right to update, change or replace any part of these Terms by posting updates and changes to this page, with or without notice to you. It is your responsibility to check our Platform periodically for changes. Your continued use of or access to our Platform or the Service or any service / product of the Insurance Affiliate following the posting of any changes to these Terms of Use constitutes unconditional acceptance of the said changes.

We reserve the right to change, suspend, block, discontinue or restrict all or any feature of the Service or Platform at any time.

WE AND/OR THE INSURANCE AFFILIATES MAY TRANSFER OR ASSIGN RESPECTIVE RIGHTS AND OBLIGATIONS UNDER THESE TERMS OF USE TO ANY AFFILIATE OR ANY THIRD PARTY TO THE EXTENT PERMITTED BY ANY APPLICABLE LAWS, WITH OR WITHOUT NOTICE TO YOU.

We and the Insurance Affiliates reserve the right to reward Users under reward programs offered on the Platform from time to time for use of the Platform or the Services to the extent permitted by applicable laws. Such programs shall be subject to additional terms and conditions as may be notified with the reward / offer or scheme.

For accessing or using this Platform or Services or the products / services offered by the Insurance Affiliate/s, the Privacy Policy shall be applicable to your personal data. By using this Platform and /or Service or any accessing any part thereof, you signify your acceptance of the Privacy Policy displayed on the Platform. If you disagree with the contents of the Privacy Policy, We or the Insurance Affiliates may not be able to extend the Platform and/or the Services and/or all features / functionalities to you.

You authorize us and the Insurance Affiliates or service providers / partners to call, send SMS, messages via WhatsApp or any other electronic application means, and email on the contact number and email ID (made available by you on our Platform or otherwise voluntarily provided by you) and offer you information and services for the product you have opted for. You authorize us and the Insurance Affiliates to call, send SMS, message via electronic means or email you for the purpose mentioned under these Terms of Use, irrespective of whether you are registered with the NDNC registry. You also agree that we and the Insurance Affiliates reserve the right to make your details available to its other affiliates and service providers / partners, and you may be contacted by the affiliates and/or partners for information and for sales through email, telephone and/or SMS or other modes of communication. You agree to receive promotional materials and/or special offers from us, the Insurance Affiliates, our affiliates and our partners through email, phone, SMS or other forms of messaging and/or calling services.

We may notify you of any relevant information pertaining to your use of the Services by push notification on the Platform, SMS, call, WhatsApp, instant messaging services or email or through any other means that we / the Insurance Affiliate may deem appropriate.

The invalidity of any term of these Terms of Use shall not affect the validity of the other provisions of these Terms of Use. Our failure to exercise any remedy or enforce any portion of these Terms of Use at any time shall not operate as a waiver of any remedy or of the right to enforce any portion of the Terms of Use at any time thereafter.

All disputes arising from or related to these Terms of Use shall be subject to the exclusive jurisdiction of the courts at Bangalore. The Terms of Use are subject to the laws of India.

In the event you requires any further information or assistance, you may contact us: