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Privacy policy for the ACKO app
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Acko Technology & Services Pvt. Ltd. is the developer and owner of this Acko app. This app has been licensed by Acko Tech to Acko GI to allow Acko GI to offer non-life insurance products and services. Acko GI remains the owner and fully responsible for such non-life insurance products and services as offered on the app. All the insurance products and services are owned and provided by Acko GI and Acko Tech has no relation to the same. Acko Tech is not responsible for the insurance products and services in any manner. 

These terms and conditions (Terms & Conditions) are an agreement between: (a) you, the visitor (“Visitor”, “Customer”, “User”, “you” or “your”); (b) us, the app developer (“Acko Tech”, “us”, “we” or, “our”) and (c) Acko General Insurance Ltd. (“Acko General”, “Insurance partner”).  This Agreement sets forth the general Terms & Conditions of your use of the Acko app and any of its products or services (collectively, “App” or “Services”). The Company, Acko Tech and Acko GI shall collectively be referred to as ("Affiliates").

Acceptance of Terms & Conditions
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By accessing this app and using its content, you acknowledge and you agree that you have read and understood the terms of use and you agree to be bound by them. These Terms & Conditions may be revised at any time by. You remain bound by any such revisions, additions or modifications and therefore we advise you to review these Terms & Conditions every time you use this App. Do not access, download materials from this App, if you do not agree with any of these terms of use. 

Applicable Laws
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All services offered under the Acko App including all transactions including services availed by you shall be subject to the applicable laws and regulations.

SECTION A: Insurance Products and Services
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Services: We provide you an option to avail following services with the usage of App under Acko General section of it:

a.  to opt for insurance products of Acko GI;

b.  to avail insurance services (such as endorsement of policies, claim services, etc.) under the respective products availed by you, if any;

c.  to avail other services offered by Acko General and its partners/ service providers, like but not limited to, medicine delivery, diagnostics, home-healthcare such as booking appointment with Medical Practitioners (Practitioners); interaction with healthcare chatbot, track fitness activities and health vitals, etc.

You must be legally competent to enter into a binding legal contract and provide the accurate and factual information and few permissions in the manner as and when Acko General would need to facilitate you with the policies and its services. 

Representation by visitor: The Visitor to the App represents that the Visitor is legally competent to enter into a binding legal contract and agrees to be bound by these Terms & Conditions.

Terms and Conditions for use: This App is deemed to be in use when it is loaded in a temporary or permanent memory of your electronic devices such as smartphones, computer or laptop, Tab etc.

Consulting Services: Any decisions to purchase any policy/product of Acko General will solely be based on the Visitor’s independent evaluation of the policies/products of Acko General, and his/her need for the same. The Visitor has the responsibility to determine whether the policies/products offered by Acko General satisfy the requirements of the Visitor. It is the responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Acko App and the Visitor should consult his/its 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.

Acko General has provided the relevant information in relation to the policies/products on the Acko App under its own section.

In the event the Visitor requires any further information or assistance, he/she may contact us at [email protected]

Accounts and Membership: In order to use the Acko App, you are first and foremost required to create a profile (“Acko Account”) with us through the Acko App. In order to create an Acko Account, you must provide us with your phone number, which we will authenticate with a one-time password. You are also required to permit us to get access to your Financial SMSes, contacts, location data, storage and such other device data as we may require to provide our exclusive Services to you. 

If you create an Acko account on the Acko App, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions. We may suspend, disable, or delete your account (or any part thereof) if we determine that you have violated any provision of these Terms & Conditions or that your conduct or content would tend to damage our reputation and goodwill, or lead to a violation of the provisions of applicable law. We may block your contact number, email address and Internet protocol address to prevent further registration.

You agree to provide current, true, latest and correct information and documents at any and all times, including for KYC purposes. The said KYC details and documents may be used by Us or our affiliates to perform KYC checks and extend the services to you, as further detailed in the Privacy Policy. In the event of any changes to any personal information or KYC documents or information in the KYC documents, you will promptly notify us via email and/or update the details under Your Account section immediately.

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 Acko General depending upon the time of logging of the transaction. 

Quotes for motor insurance products: The premium estimate given for motor vehicles is given on the assumption that all previous policies have been renewed continuously without any gap in insurance and no claim has been made in previous policies. The estimate given for other products is approximate and is not final and binding.

The final premium quotation for all products may be viewed by clicking on the “Continue to Buy” tab. You may, at your sole and absolute discretion, decide not to proceed with the purchase of the policy/product, in the event you do not agree with the final premium quoted by us.

Motor insurance policy should be purchased only if the PUC (Pollution under control) is valid. 

Car Inspection:

1. In case pre-inspection of the vehicle is not completed due to any reason including unavailability of either parties (customer or Acko), customer will be eligible to receive refund of full amount paid towards premium payment;

2. Policy will be issued subject to clearance of pre-inspection criteria at the satisfaction of the Acko. Please be noted that Acko shall not be liable for any risk which may arise before the policy commencement date. 

3. Acko reserves a right to reject the proposal even after completion of the pre-inspection of the vehicle, however the customer will be eligible to receive the refund of the full amount paid towards premium payment.

Practitioner Undertaking: The Practitioner is and shall be duly registered, licensed and qualified to practice medicine/ provide health care, wellness services, as per applicable laws/regulations/guidelines set out by competent authorities and the Practitioner shall not be part of any arrangement which will prohibit him/her from practicing medicine within the territory of India. The Practitioner shall, at all times, ensure that all the applicable laws that govern the Practitioner shall be followed and utmost care shall be taken in terms of the consultation/ services being rendered via the Acko App. Acko shall not be responsible for ensuring authenticity of the documents submitted by the Practitioners for listing on the Acko App and shall not be liable in any manner whatsoever in case forged or incorrect documents are submitted by such Practitioners. 

Appointment booking and interaction with Practitioners: While Acko will try to ensure a confirmed on-time appointment for an End-User who requested an appointment on App, Acko does not guarantee that a patient will get a confirmed appointment. Further, Acko has no liability if such appointment is confirmed but later cancelled by Practitioners, or the Practitioners are not available as per the given appointment time over text, video, audio or in-person.

  1. You understand and agree that any interactions and associated issues with other Users including but not limited to your health issues and your experiences is strictly between you and the other Users. You shall not hold Acko responsible for any such interactions and associated issues. For avoidance of doubt, Acko is not involved in providing any healthcare or medical advice or diagnostic services and is merely a facilitator of the same through the App and hence is not responsible for any outcome between you and the Practitioner you interact with, pursuant to any interactions on the App. Your decision to engage with a Practitioner or chatbot for receiving medical services from him/her is at your own risk. The results of any search you perform on the App for Practitioners should not be construed as an endorsement by Application of any such particular Practitioner. Acko, shall not be responsible for any breach of service or service deficiency by any Practitioner/chatbot. We cannot assure nor guarantee the ability or intent of the Practitioner(s) and chatbot (in any manner possible) to fulfil their obligations towards you, although we will take complete measures to ensure your satisfaction with the Practitioner/chatbot. Acko also advises you to perform your own investigation prior to selecting a Practitioner or start the use of chatbot.

  2. Without prejudice to the generality of the above, Acko, will not be liable for: 

i) any wrong medication or treatment quality being given by the Practitioner(s), or any medical negligence on part of the Practitioner(s); 

 ii)  any type of inconvenience suffered by the User due to a failure on the part of the Practitioner to provide agreed services or to make himself/herself available at the appointed time, inappropriate treatment, or similar difficulties; 

iii)   cancellation or rescheduling of booked appointment; 

iv)   any medical eventualities that might occur subsequent to using the services of a Practitioner, whom the User has selected on the basis of the information available on the Site Application or with whom the User has booked an appointment through the Acko App.

v) Any error in the medical reports provided by the associated bodies/partners/service providers;

Further, Acko shall not be liable, under any event, for any comments or feedback given by any of the Users in relation to the services provided by another User. The option of Users to give feedback remains at Acko’s sole discretion and may be modified or withdrawn at its sole discretion. Acko may moderate such feedback at any time. Acko shall not be obliged to act in any manner to give effect to the content of Users’ feedback, such as suggestions for delisting of a particular Practitioner from the Acko App.

Acko collects, directly or indirectly, and displays on the Acko App, relevant information regarding the profile and practice of the Practitioners/service providers listed on the Acko App, such as their specialisation, qualification, fees, location, visiting hours, and similar details. Acko takes reasonable efforts to ensure that such information is updated at frequent intervals. Although Acko screens and vets the information and photos submitted by the Practitioners, Acko cannot be held liable for any inaccuracies or incompleteness represented from it, despite such reasonable efforts.

You agree and permit Acko to share any information provided by You with third parties in order to facilitate provision of Services including certain value-added/ancillary services offered by such third parties to You and/or to provide Services including certain value-added services to You by Acko. You hereby expressly consent to receive communications from Acko / third parties offering Services/value-added services to You through Your registered phone number and/or e-mail id and/or the Site. You agree that You will not hold Acko responsible for any such communications received from third parties, nor will any such communication amount to spam, unsolicited communication or a violation of Your registration on the national do not call registry. Further, you agree that Acko may contact you through telephone, email, SMS, or any other electronic means of communication for the purpose of: 

  1. Obtaining feedback in relation to Acko App or Acko’s services, including chatbot; and/or.

  2. Obtaining feedback in relation to any Practitioners listed on the Acko App; and/or.

  3. Connecting for any further details like diagnostics, medicine delivery requests, product redemptions, consultation management, etc. 

  4. Resolving any complaints, information, or queries by Practitioners regarding your critical content; 

  5. and you agree to provide your fullest cooperation further to such communication by Acko.

  6. Against every Practitioner listed in the Acko App, you get an option to ‘Book an Appointment’. When you choose this option, you choose to schedule a video/audio/chat session with the doctor through technological services provided by Acko, and the records of such calls may be recorded and stored in Acko’s servers. Such records are dealt with only in accordance with the terms of the Privacy Policy. Acko shall not be responsible for negligence or breach of confidentiality obligations qua such information by the Practitioner or other service providers engaged in providing Services. 

  7. All claim payouts/reimbursement, cashless etc. will be as per our policy as applicable to customers. 

COVID-19 Update: The novel Coronavirus outbreak might negatively impact our services in the coming days. You might face delays and inconveniences, and we apologise for all of it in advance. Rest assured that we’re working hard to minimise its impact and continue to serve you without letting down our standards. We are grateful for your support and patience in these testing times. Feel free to contact us for any queries or concerns.

Contact: You authorize Acko General to call, send SMS and email on the contact number and email ID (made available by you on Acko App) and offer you information and services for the product you have opted for. You authorize us to call, SMS or email you for the mentioned purpose, irrespective of whether you register with the NDNC registry. Acko General may from time to time send by e-mail or otherwise, information relating to products and services offered by its Affiliates, general information related to financial and other services, life and general insurance products.

Disclaimer and Limitations:
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This is to keep you informed that Acko App only helps you to buy insurance policies, as a facilitator. In case you wish to avail any of the insurance services, you are entering into a direct contract with Acko General, Insurance Provider. By availing the insurance services, you agree that We shall not be responsible for any of the Services provided by Acko General. Our responsibility is only limited to the extent of connecting you to our Insurance provider, displaying your eligibility for an insurance policy and the terms of your policy. We accept no responsibility for the terms that we communicate to you in good faith. We are not liable for any losses that may occur as a result of the acts or omissions of the Insurance Provider. We do not accept responsibility for any financial transactions either carried out by you or by our Insurance Provider, any amounts transferred to your bank account or any remittance to your account that has failed. However, we shall take all reasonable steps to check and ensure that such actions do not take place again. In case you are facing any issues on the amount remitted to the designated bank account, please contact to grievance redressal officer of our Insurance Provider immediately.

Reservation of Rights

We reserve the right to change, modify, add to, or remove discounts, portions of these terms of use at any time, subject to Company’s policy as amended from time to time without any intimation to You. Your continued usage of the App would mean that You agree with the revised terms and conditions.

GRIEVANCES
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For grievances, please see Grievance Redressal

Acko General Insurance Limited
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Registered Office: 2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102. Date of Incorporation: November 3, 2016 CIN: U66000KA2016PLC138288 IRDAI Registration Number: 157 General Insurance Company TERMS & CONDITIONS GOVERNING THE USE OF ACKO GENERAL’S WEBSITE BY VISITORS, CUSTOMERS AND REGISTERED USERS. Copyright © Acko General Insurance Limited. All rights reserved.

SECTION B: GENERAL SERVICES (other than services provided by Insurance Provider)
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[If you avail any Services from us, Section B of this Terms will apply to you.] Services: All services, other than the services covered under Section A of this Terms & Conditions, offered under the Acko App are governed with the Terms & Conditions mentioned under this section (Section B of the Terms & Conditions).

Acko App provides you an option to avail any or all of the following like services but not limited to the below listed ones offered by Acko Tech or its Service Partners with the usage of “Do more with Acko” section of Acko App:

a. To obtain RTO information including details of the challan, if any, linked to the vehicle;

b. To find out nearby Fuel or EV station and/or garages;

c. Car valuation services;

Representation by visitor: The Visitor to the App represents that the Visitor is legally competent to enter into a binding legal contract and agrees to be bound by these Terms & Conditions.

Terms and Conditions for use: This App is deemed to be in use when it is loaded in a temporary or permanent memory of your electronic devices such as smartphones, computer or laptop, Tab etc.

Consulting Services: Any decisions to avail any services available at Acko App will solely be based on the Visitor’s independent evaluation and his/her need for the same. The Visitor has the responsibility to determine whether the products/services offered by third party seller through the Acko App satisfy the requirements of the Visitor. It is the responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Acko App.

Acko App has provided the relevant information in relation to the products or services on the App. In the event the Visitor requires any further information or assistance, he/she may contact us at [email protected]

Accounts and Membership: If you create an account on the App, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions. We may suspend, disable, or delete your account (or any part thereof) if we determine that you have violated any provision of these Terms & Conditions or that your conduct or content would tend to damage our reputation and goodwill, or lead to a violation of the provisions of applicable law. We may block your contact number, email address and Internet protocol address to prevent further registration.

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 Acko depending upon the time of logging of the transaction.  

Use of Information: The content is available for informational purposes only. The posting of contents and access to this website does not render, either explicitly or implicitly, any provision of services or products by us. All advertisements contain only an indication of benefits offered by the products.

Links to other websites: Although this Website 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 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. We do not assume any responsibility or liability for the actions, products, services, and content of any other third parties. You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site websites is at your own risk.

Reservation of Rights

We reserve the right to change, modify, add to, or remove discounts, portions of these terms of use at any time, subject to Company’s policy as amended from time to time without any intimation to You. Your continued usage of the App would mean that You agree with the revised terms and conditions. 

AckoTech reserves the right to add, amend, revise, suspend or cancel in whole or in part any of the general services other than insurance services which are, or may become, part of the App, without any prior notice to the Visitors or Customers. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers.

Modification of these Terms & Conditions: Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers. Acko Tech may introduce new services in relation to the App from time to time. The existence and availability of the new services will be notified on the App as and when they become available and any revisions in the Terms & Conditions will take place in accordance with these Terms & Conditions.

Acko Tech may introduce new services in relation to the App from time to time. The existence and availability of the new services will be notified on the App as and when they become available and any revisions in the Terms & Conditions will take place in accordance with these Terms & Conditions. In addition, Acko Tech may also publish notices of general nature, which are applicable to all Visitors or Customers in a newspaper or on its App. Such notices will have the same effect as a notice served individually to each Visitor or Customer.

Notice: Notices under these Terms & Conditions may be given by Acko Tech to the Customer in writing by delivering them to the last address given by the Customer. Customers may give notice to Acko Tech by delivering them to the address mentioned on the Website. In the case of hand delivery, cable, telex, facsimile notices or electronic communication notices or instructions will be deemed served 7 days after posting or upon receipt as the case may be. Documents, which may be sent by electronic communication between the parties, may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Website. AckoDrive shall be deemed to have fulfilled any legal obligation to deliver to the Customer if any such document is sent via electronic delivery.

Privacy Policy: In the process of using this Acko App, the Privacy Policy as set forth in this regard shall be applicable.

GRIEVANCES

You may always submit your concerns / grievances regarding our Terms & Conditions or our privacy practices to the designated Grievance Officer as follows:

Mr. Nitin Kapse

Phone: +91-9818630258

Contact: You authorize AckoTech to call, send SMS and email on the contact number and email ID (made available by you on our App) and offer you information and services for the product you have opted for. You authorize us to call, SMS or email you for the mentioned purpose, irrespective of whether you register with the NDNC registry. Acko Tech may from time to time send by e-mail or otherwise, information relating to products and services offered by its Affiliates, general information related to product, its usage and other services.

Please reference the Terms & Conditions or Privacy Policy, as the case may be, in your subject line. We will attempt to respond to all reasonable concerns or inquiries within reasonable time.

Section C : GENERAL CLAUSES (Applicable to Section A & B both)
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Limitation of Liability: Under no circumstances, including but not limited to negligence, shall Acko Tech, its employees and directors, its Associates, its suppliers and 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 App, with the delay or inability to use this App or any links or items on the App, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through this App, or otherwise arising out of the use of this App, whether based on contract, tort,strict liability or otherwise, or for cost of procurement of substitute goods and repair & correction services or resulting from the use of this App or obtained or messages received or transactions entered into through or from the App 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.

You agree that we shall not be liable for any damages arising from interruption, suspension or termination of the App, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, negligent or intentional, inadvertent or advertent. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. However, in no event shall our liability to you for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the App.

Product(s) are marketed and/or distributed solely by third party seller and are not in any way associated to or being sold, marketed or offered for sale by Acko Tech or the Payment Gateway Service provider and therefore the Payment Gateway Service provider or Acko Tech shall not be liable for the same.

Acko Tech does not guarantee or warranty that there will be uninterrupted access to and/or use of the Payment and Delivery Mechanism.

Acko Tech shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of third party seller to perform any of its obligations under these Terms & Conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.

Jurisdictional Issues: Unless otherwise expressly set forth herein, Acko Tech makes no representation that materials on this App are appropriate or available for use in any location. Those who choose to access this App do so on their own initiative and are responsible for compliance with local laws. The services/products which are part of the Acko App do not constitute an offer to sell or buy any products to any person in any jurisdiction where it is unlawful to make such an offer or solicitation.

Except as specifically set forth herein the information contained on this App is not an offer to sell or any security, product or service. No security, product or service is offered or will be sold in any jurisdiction in which such offer, purchase or sale would be unlawful under the securities or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. All disputes shall be subject to the exclusive jurisdiction of courts at Bangalore.

Failure on the part of Acko Tech to enforce any of the provisions hereof will not be construed to be a waiver of the rights vested in Acko Tech to thereafter to enforce such provisions. If any provision of these Terms & Conditions is held to be invalid, illegal or unenforceable, it will be enforced to the maximum extent possible, and the validity, legality and enforceability of the remaining provisions will not in any way be affected or impaired thereby.

Miscellaneous: Acko Tech’s performance to this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of AckoTech’s right to comply with governmental, court and law enforcement directions relating to the use of this pp or information provided to/gathered by Acko Tech vis-à-vis such use.

Acko Tech shall try to ensure that all information that is provided on the App are accurate in all respects and are kept up to date. However, Acko Tech does not guarantee the timeliness, accuracy, completeness, reliability or content of the information and any changes that are made with respect to the same and the Visitor/Customer is required to check the accuracy of the same with the third party seller.

Notification: We shall notify you of any relevant information pertaining to your use of the Services by push notification on the App, SMS, call, WhatsApp, instant messaging services or email or through any other means that we may deem appropriate. You authorize us to reach out to you, irrespective of whether you register with the National Do Not Call registry. You may reach out to us via email at [email protected].

 Assignment: You shall not assign or transfer any right or obligation that has accrued to you under these Terms, and any attempt by you to assign or transfer such rights and obligations, shall be null and void. We may assign or transfer any right or obligations that accrued in our favour, at our sole discretion, without any restriction.

 Waiver: Unless otherwise stated expressly, any delay or failure in our exercising any rights/remedies arising out of these Terms and/or other policies available on the App, shall not constitute a waiver of rights or remedies and no single/partial exercise of any rights or remedies, hereunder, shall prevent any further exercise of the rights/remedies by us.

 Survival: You acknowledge that your representations, undertakings, and warranties and the clauses relating to indemnities, limitation of liability, governing law & arbitration and these general provisions shall survive the efflux of time and the termination of these Terms.

 Severability: If any provision of these Terms is held illegal or unenforceable, the validity, legality and enforceability of the remaining provisions contained herein shall not in any way be affected or impaired thereby. Any such provision held invalid, illegal or unenforceable shall be substituted by a provision of similar import reflecting the original intent of the parties to the extent permissible under applicable laws.

 Amendment: We reserve the right to change, modify, add to, or remove discounts, portions of these Terms at any time, subject to the policies of the Company and applicable regulations.

User data
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Our app collects data such as images/files for use when you register a claim with us to assess the damage done to the vehicle and for real-time claim settlement when required, and such information will be uploaded to our secure servers when processing claims in ACKO. We also collect files, should you choose to upload, to store and serve you when needed for your use only. We do not share files uploaded by users with any third parties, and will only be used by ACKO.

We also use access to your calendar, should you grant us access permission, to provide timely insurance renewal reminders. Your step activity will be accessed via health monitoring devices such as smartwatches or fitness bands like Google, Fitbit to track step activity on the ACKO app for health insurance policy owners. We also consume your location while using the app to provide you with nearby services like emission centres nearby or to find out nearby mobile service centres.

Thank you for visiting our App.

Acko Technology and Services Private Limited

TERMS & CONDITIONS GOVERNING THE USE OF ACKO TECH’S WEBSITE BY VISITORS, CUSTOMERS AND REGISTERED USERS.