By accessing the Website, you have irrevocably and unconditionally consented and acknowledged that you have read, understood and accepted these terms and conditions of use along with the Privacy Policy (collectively “Terms and Conditions”). These Terms & Conditions are a legally binding and enforceable agreement between you and the Company (defined below). If you do not agree to accept or understand any of the terms mentioned herein including the Privacy Policy, you are not entitled to avail any of the services available on the Website.
Please be sure to read these Terms & Conditions and Privacy Policy. It is your own responsibility to ensure that you are fully aware of all of these Terms and Conditions when accessing the Website and using it for any purpose. We reserve the right to make changes to the Terms and Conditions at any time. Your continued use of the Website shall signify your acceptance to be bound by the latest Terms and Conditions.
This domain name www.prudentprotect.in (“Website”) is owned by PRUDENT INSURANCE BROKERS PRIVATE LIMITED (CIN: U70100MH1982PTC02768) having its registered office at 101, Tower B, Peninsula Business Park, G.K. Marg, Lower Parel, Mumbai 400 013, Maharashtra (“Company”).
These Terms and Conditions along with Privacy Policy are designed to tell you about our Website and the services available on the same along with the practices regarding collection, use and disclosure of information that you may provide via the Website. The Company owns all the rights (including but not limited to the intellectual property rights) over the brand name Prudent Protect including the logo, under which name the Company is operating the business of providing online ISNP platform for users.
In the Website, the Company provides users with access to information primarily about motor vehicle insurance products and services (the "Service"). You are responsible for obtaining access to the Website, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary Page 2 of 12 to access the Website. By making use of this Website, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that the Company may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. You also agree that the Company reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from the Company through email or sms.
The content on this website, should not be construed as a statement of law or used for any legal purposes. In case of any ambiguity or doubt, users are advised to verify/check with the Company and/or other sources to obtain appropriate professional advice.
Under no circumstances will the Company be liable for any expense, loss, or damage including, without limitation, indirect or consequential loss or damage or any expense, loss, or damage whatsoever arising from use, or loss of use of data, arising out of or in connection with the use of this website.
These terms and conditions shall be governed by and construed in accordance with the Indian Law. Any dispute arising under these terms and conditions shall be subject to the jurisdiction of Courts in Mumbai.
The information posted on this website includes hypertext links or pointers to information created and maintained by other Persons / third parties (other than Company). The Company provides these links and pointers solely for your information and convenience. When you select a link to an external website, you are leaving the Company website and are subject to the privacy and security policies of the owners and sponsors of the external website.
The Company does not always guarantee availability of linked insurers’ pages. The Company cannot authorise use of copyrighted materials contained in the linked websites. Users are advised to request such authorisation from owners of the linked websites. The Company does not guarantee that linked websites comply with web guidelines.
You will be a restricted user of the Website.
You agree to use the Services only for lawful purposes and in a way which does not violate any applicable law, regulations, license or third party rights or infringe the right of any person or restrict or inhibit anyone else’s use and enjoyment of the Services.
You acknowledge that the Services availed are for self-consumption and will not sell or exploit the Services availed or products of such Services, for any commercial purposes.
You will not impersonate any person or entity, including but not limited to officials, directors, employees, agents, authorised representatives and will not falsely state or otherwise misrepresent any information.
You are bound not to cut, copy, distribute, modify, recreate, reverse engineer, distribute, disseminate, post, publish or create derivative works from, transfer, or sell any information or software obtained from the Website. For the removal of doubt, it is clarified that unlimited or wholesale reproduction, copying of the content for commercial or non-commercial purposes and unwarranted modification of data and information within the content of the Website is not permitted.
You agree not to access (or attempt to access) the Website and / or the materials or Services by any means other than through the interface that is provided by the Website. The use of deeplink, 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 Website or displayed content, or in any way reproduce or circumvent the navigational structure or presentation of the Website, materials or any content, to obtain or attempt to obtain any materials, documents or information through any means not specifically made available through the Website is specifically prohibited under these Terms and Conditions. You acknowledge and agree that by accessing or using the Website or Services, you may be exposed to content from other users that you may consider offensive, indecent or otherwise objectionable. Company disclaims all liabilities arising in relation to such offensive content on the Website. Further, you may report about such allegedly offensive content to the Company via e-mail at complaints@prudentbrokers.com
You may not publish / post any matter on the Website which is objectionable in any manner.
You will not post any file that infringes the copyright, patent or trademark of other legal entities.
You will not upload or distribute files that contain viruses, corrupted files, malware, or any other similar software or programs that may damage the operation of the Website or another computer or computer network.
You will not disrupt or interfere with the security of, or otherwise cause harm to, the Website, systems resources, accounts, passwords, servers or networks connected to or accessible through the Website, or any affiliated or linked sites.
You will not violate the Terms & Conditions including but not limited to the Privacy Policy.
You will not indulge in any activity will results in a liability for the Company or cause a loss (in whole or in part) to the Company.
Company has no obligation, to monitor the materials posted on the Website. We shall have the right to remove or edit any content that in our sole discretion violates, or is alleged to violate, any applicable law or either the spirit or letter of these Terms & Conditions. Notwithstanding this right, you remain solely responsible for the content of the materials you post on the Website and in your private messages.
Access to and use of password protected and/or secure areas of the Website is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Website may be subject to prosecution.
In consideration of your use of the Website, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of India or other applicable jurisdiction and will only use the Website to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about these Terms of Use and/or Privacy Policy) that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurate, current and complete information about yourself as prompted by the Website. If you provide any information that is untrue, inaccurate, not current or incomplete (orbecomes untrue, inaccurate, not current or incomplete), or the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, the Company has the right to suspend or terminate your account and refuse any and all current or future use of the Website (or any portion thereof). If you use the Website Application, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify the Company immediately of any unauthorized use of your account or any other breach of security. The Company reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Website and the Services we offer, at any time and for any reason, including, but not limited to, for violation of these Terms of use or Privacy Policy. Additional terms and conditions will apply to your purchase of Services that you select. Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any service provider with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the service provider's rules and restrictions regarding use of products, and/or Services. You agree that any violation of any such service provider's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable service(s), in your forfeiting any monies paid for such Services, and/or in our debiting your account for any costs we incur as a result of such violation.
By using the website and/or by providing your information, you consent to the collection and use of the information you disclose on the Website in accordance with this privacy policy, including but not limited to your consent for sharing your information as per the privacy policy. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. We encourage you to frequently check for any changes in these terms.
"I hereby authorise and give consent to Prudent Insurance Brokers Pvt. Ltd. to send me, either through itself or through any third-party service provider, from time to time, various information/alerts/SMS/other messages or calls or commercial communication, and other services on the aforesaid listed telephone numbers, whether these numbers are registered with the national do not call registry/listed in the national customer preference register or not. I also confirm that by sending any such messages/calls I will not hold the Company or its authorised third-party service provider liable/institute complaint against under the IRDAI regulations, ISNP related rules and regulations, Telecom Commercial Communications Customer Preference (TRAI) regulations, 2010 or such other applicable regulations including any amendment thereof, as maybe applicable from time to time”.
In general, you can browse the website without telling us who you are or revealing any personal information about yourself. However, to undertake any transaction, your personal and identifiable information may be required.
Once you give us your personal information, you are not anonymous to us. We may collect personal information from users in a variety of ways, including, but not limited to, when users visit our site, register on the site, place an order, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services features, or resources we make available on our website. Personal information would include, name, email address, mailing address, or phone numbers. We may collect non-personally identifiable information about users such as browser name, operating systems, name of ISP, etc. with the goal of improving our services.
Payment of premium for any of the insurance products displayed on the Website and which you wish to purchase is done through the insurance company’s website, to which you will be redirected when you click on the relevant link.
When you use the Website or send emails to the Company, you are communicating with the Company electronically. You consent to receive communications from the Company electronically. The Company may communicate with you by email or by posting notices on the Website or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
The Company 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 clauses apply. Without prejudice to any other terms contained herein, and in conjunction with the Limitation of warranties explained below, you expressly understand and agree that even if the Company is held liable for any liability vis-à-vis you, the Company’s liability shall be limited to the amount of brokerage received by the Company in respect of that particular insurance product purchased by you through the Website, in relation to which the claim has been made.
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:
Furthermore, you understand and agree that:
In case of a refund due to an erroneous transaction or cancellation, the premium paid for an insurance product will be refunded via cheque or direct credit as per the policy of the insurance provider that you have chosen to buy the product from. The Company shall have no liability or responsibility in this regard.
In case of a refund due to an erroneous transaction or cancellation, the premium paid for an insurance product will be refunded via cheque or direct credit as per the policy of the insurance provider that you have chosen to buy the product from. The Company shall have no liability or responsibility in this regard.
In case of a cancellation, the premium paid for an insurance product will be refunded via cheque or direct credit as per the policy of the insurance provider that you have chosen to buy the product from. The Company shall have no liability or responsibility in this regard.
You authorise the Company to override the DND settings to reach out to you over calls, SMS, emails, and other modes of communication. This authorisation will override your registry under NDNC.
Your privacy is very important to us, which is why we’ve created a separate privacy policy 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.
A ‘cookie’ is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user.
We place both permanent and temporary cookies in your computer’s hard drive. A user may choose to set their web browser to refuse cookies or to alert them when cookies are being sent.
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 or breach of these terms, may be grounds for terminating your relationship and you 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 we may have on file with us, including any account or login information.
The indemnification obligation contained herein shall survive the Terms of Use and your use of the Website.
a) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers. b) Any person making default in complying with the provision of this section shall be liable for a penalty which may extend to ten lakh rupees.