1                    DEFINITIONS

 

• “Plan(s)” shall mean either or all of the products/ services package offered by DigitInsure from time to time, which products/services may have add on components or features.
• “Joint Plan” means any DigitInsure Plan that is taken for two members at the same time where the two members are related to each other as:
• Spouse
• Siblings
• Parent – Child
• Grandparent – Grandchild Subject to both the members fulfilling the conditions necessary for a DigitInsure subscription

• “Plan Fee” shall mean the fees charged by DigitInsure from time to time for the Plan(s) availed of by the Customer and set out in the respective Plan

The Plan Fee is applicable for the respective duration of the plan as mentioned below. The Plan Fee is Inclusive of all applicable taxes.

• “Plan Terms” shall mean the terms and conditions Separately provided with the Terms herein which shall be specifically applicable in relation to each Plan(s).
• “Free Look-In Period” shall mean the number of days from the date of activation of the Plan(s) within

which the Customer may cancel the Plan(s) and obtain a refund of the Plan Fee.

• “Insurer” shall mean the third party  provider as DigitInsure may partner with from time to time for the add-on benefit as may be applicable to the various Plans.
• “Service Partner” means any third party service provider affiliated with DigitInsure.
• “Personal Information/Data” shall mean and include such personal and financial information of the

Customer relating to his/her data /or documents, in any medium including financial information such as bank account or credit card or debit card or other payment instrument details, identification document details including passport, PAN card details, driving license, etc.

2                       PURPOSE

 

• These terms and conditions (“Terms”) shall govern the transaction between DigitInsure Consumer

(“DigitInsure”) and the Party whose name appears on the Order(“Customer”)

in relation to the Plan(s) provided by DigitInsure.

• These general terms and conditions define the framework and the respective obligations of the parties. Specific terms and conditions relating to the specific Plan(s) that has been availed or subscribed to

by the Customer supplementing or derogating from these general terms and conditions may be agreed to in the Plan Terms in writing which shall be annexed to this Terms.

• Customer acknowledges the receipt of the Terms and the Plan Terms, as applicable and agrees to be

fully bound by the Terms and the relevant Plan Terms. In the event, the Customer avails of any benefit under any of the Plan Terms or lodges a claim within the term of the Policy, the Customer shall deemed to

have accepted the Terms unconditionally.

3                       CUSTOMER CONSENTS AND CONFIRMATIONS

 

• Further, the Customer has and hereby consents to the use of the Personal Information by DigitInsure for the purposes of providing the various services

under the Plan(s) offered by DigitInsure. DigitInsure respects the privacy of the Customer and the

confidentiality of Customer‟s Personal Information so collected by DigitInsure by itself or on its behalf and shall take all reasonable steps to protect it and maintain its confidentiality.

• The Customer also hereby consents to the Personal Information being disclosed by DigitInsure to any third party including any insurer, Service Partner of DigitInsure who will be either providing the add-on insurance or other benefit and/or services on each of the Plan(s) for the purposes of fulfillment of the services or if required by law.
• The Customer expressly and without limitation,

Consents to DigitInsure or its service partners recording phone calls between the Customer and DigitInsure on the helpline numbers set out in the relevant Plan

Terms in order for DigitInsure to inter alia (i) provide a record of the instructions received from the

Customer and to share the same with the Service Partners, if required, (ii) allow itself or its service partners to monitor quality standards, (iii) training purposes, and (iv) meet legal and regulatory requirements.

• The Customer acknowledges that DigitInsure has the sole right to vary the features/benefits under the Plan(s) or the Plans or the amount or rate of the Plan Fee or part thereof, from time to time.
• The Customer hereby provides his/her consent

to DigitInsure for appointing agentsto collect amounts payable to DigitInsure, as may be considered necessary in the sole discretion of DigitInsure and which shall be at the sole risk and cost of the Customer.

STANDARD TERMS AND CONDITIONS

 

• The Customer acknowledges that DigitInsure may engage third parties including Service Partners for the fulfillment of the services and the Customer hereby consents to DigitInsure disclosing, to the extent relevant, the Customer‟s Personal Information and/or details of Plan(s) availed by the Customer to inter alia (a) our affiliates Service Partners (b) to

our suppliers, vendors, for the purposes of servicing the Customer.

• The Customer hereby consents to DigitInsure identifying any service providers and/or products that may be of some interest to the Customer.

4                       TOTAL FEES/CHARGES

 

• DigitInsure shall charge the Plan Fee from the Customer for availing of the Plan(s) from time to time

and for the duration of the respective Plan. The Plan Fee shall be payable in advance and the

Customer may make a one-time payment of the Plan Fee for the applicable period or authorize DigitInsure with appropriate debit instructions to deduct the

Plan Fee from the Customer‟s bank or credit/debit card from time to time including applicable taxes and levies.

• The Plan Fee(s) and the Insurance Fee for the respective Plan(s)shall be as more particularly set out in the Plan Terms.
• Activation of the Plan(s) is subject to realization/ receipt of the Plan Fee.

5                       SERVICING OF CLAIMS

 

• The Customer acknowledges and understands that claim or payment of any benefit covered by an add- on group insurance cover shall be at the sole discretion of the Insurer and DigitInsure shall only provide assistance in facilitation of the claim by liaising with the Insurer.
• Any claims made by the Customer under these

 

Terms and Plan Terms shall be subject to the

following:

 

1. The Customer having met and complied with the Terms and the Plan Terms (as applicable). This also applies to terms and conditions set out herein and any others which may be added to the Terms and/ or the Plan Terms and communicated to the Customer at a later date;
2. The Customer having provided DigitInsure with full and accurate information in connection with the coverage, as applicable;

1. The Customer having acted in a bona fide manner to make a claim;
2. The Customer having complied with the requirements of the Insurer for the purposes of processing the claim may be required from time to
   1. Claim form duly filled & signed by the Customer; and
   2. I.R. or intimation copy issued by the police; and

• Any other document as may be required by The respective Insurer.

• Not with standing anything contained herein above, DigitInsure shall not be obliged to entertain any claim from the Customer unless (i) the Customer is over the age of 18 years and a resident of India, and (ii) the Plan Fee up to the date of claim has been

6                       CANCELLATIONS/ RENEWAL/TERMINATION

 

• DigitInsure will cancel the Terms and/or the Plan Terms if DigitInsure does not receive the Plan Fee (all inclusive) on the date it is due.
• DigitInsure will cancel the Terms and/or the Plan

Terms if the Customer has at any time:

 

1. agreed to help any third party to try to fraudulently or dishonestly obtain money from DigitInsure or the Insurer; or
2. is in violation of applicable law as may be relevant to the use of the Plan(s); or
3. failed to meet the Terms and/or the Plan Terms, or to act in good faith, openly, honestly and in

a bona fide manner towards DigitInsure or the Insurer including by providing false or inaccurate information; and

1. Customer fails to return to DigitInsure or its authorized Service Partner(s)any goods/devices

temporarily lent to him/her or money advanced on an emergency basis to him/her or tickets or hotel bookings made on behalf of the Customer and which are to be returned/reimbursed/paid as

per the terms of the Plan to DigitInsure or to its authorized Service Partner.

• If notice of termination is provided by the Customer within the Free Look-In Period, a full refund is available. After the expiry of the Free Look-In Period, for any cancellation by the Customer, DigitInsure will refund the Plan Fee based on the grid mentioned below, provided however, that if the Customer has lodged a claim or availed of any benefit under any of the Plan Terms any time during the term of the plan, no refund will be available.

7                       CONFIDENTIALITY

 

• DigitInsure shall make reasonable efforts to

ensure that the Personal Information of the Customer is kept confidential and not disclosed to any third party except to the extent required for fulfillment of services.

8                       REPRESENTATIONS AND WARRANTIES

 

• The Customer represents that he/she is completed the age of 18 years and is a resident of
• The Customer is in compliance with the applicable

law as may be relevant for the Plan (s) which is availed of by the Customer.

• The Personal Information provided by the Customer for the purposes of availing of the Plan(s) is and shall be true and accurate.

9                      OBLIGATIONS AND COVENANTS OF THE CUSTOMER

• If the Customer receives a benefit as contemplated under any specific Plan Terms and it is later discovered that the claim was dishonest, fraudulent

or false, DigitInsure will take steps to recover from the Customer, such payment(s) made to the Customer, either by DigitInsure or a third party, as the case may be.

• The Customer undertakes that he/she shall strictly comply with the terms of usage contained in the Plan Terms in relation to the use of the Plan(s).
• The Customer acknowledges, confirms and covenants that the object of the Plan(s) being availed of or provided by DigitInsure is not an „insurance product‟ but insurance is merely an add-on feature of the Plan(s) on a group insurance basis and that the Customer has availed of the Plan(s) in accordance with this understanding.
• The Customer undertakes and covenants that he/she shall not use make use of the Plan(s) to or in the course of usage of the Plan(s), upload, display, publish, update, disseminate or transmit content or information that:

1. belongs to another person and to which the user does not have any right to or which is confidential;
2. is an impersonation of another person, grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another‟s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever;
3. harm minors in any way;