TERMS AND CONDITIONS

These Terms of Use (“Terms of Use”) form the agreement between Allison Izu Insurance Company (“Company”, “Us”, “We” or, “Our”), as the operator of the website - allisonizu.org (“Platform”) and you, as the visitor / user (“Visitor”, “Customer”, “User”, “You” or “Your”). This Platform is created for information purposes in the interest of the general public. When you avail any of the services or products or policy provided by us through the Platform (“Service/s”), you will be subject to the rules, guidelines, policies, terms, and conditions applicable to such service, 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. 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 impliedly or expressly 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.

Acceptance Of Terms Of Use

By Clicking “I Agree” To “Terms OF Use”, You Give Your Uconditional 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.

Eligibility

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.

Your Account And Its Security

You may 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. You agree that if you create an account on the Platform, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under your account and any other actions taken in connection with it.
You must immediately notify us of any unauthorized use of your account or any other breach of security within your knowledge. 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.
You confirm and agree that you will maintain only one account on the Platform and will be the sole and exclusive owner of your account on the Platform, and accept sole responsibility for use, confidentiality and protection of your user ID and password. Additionally, you are prohibited from selling, trading, or otherwise transferring your accounts to another party. In the event your nominee requires access to your account upon occurrence of the events specified in the policy/ies, the nominee may write to us as per the details provided in the “Contact Us and Grievance” Section for transfer of your account, subject to due process of the Company and applicable laws, at the time of such
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 Acko Life 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/regulations governing the offer of any service and/or products on the Platform.
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.
Providing false or incorrect information or details of any kind at the time of creation of your account or any time thereafter, for KYC purposes or otherwise, may result in the suspension or termination of your account and/or the policy/ies and/or refusal of claims (to the extent permitted under applicable laws).

Evidence Of Transaction

For any transaction which may be permitted by Allison Izu Insurance company or undertaken on the Platform from time to time, Allison Izu Insurance company’s records of such transactions maintained through computer systems or otherwise, shall be accepted as conclusive and binding for all purposes, and the decision of Allison Izu Insurance company shall be final. You accept that the record of any transaction generated from the systems of Allison Izu Insurance company shall be conclusive proof of the genuineness and accuracy of such transactions.

Quotations

The estimate/s for products are approximate, and not final and binding. The final premium quotation for all products / Services 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/Service, in the event you do not agree with the final premium quoted on the Platform.

Insurable Interest

The User declares that the premium paid to Allison Izu Insurance company Limited is being paid by You, i.e., the proposer/policyholder through a bank account or a Credit/Debit Card or a Prepaid Payment Instrument or a UPI wallet (Wallet), held by You in your name as a primary holder (referred to as “source account”). You further confirm that it is not a third-party payment made by any other person on your behalf. You also understand and agree that in the event of a policy cancellation, the refund of premium as per policy terms and conditions may be credited back to such source account and such electronic transfer will constitute full and final discharge of the Company’s obligation.

Restriction On Use

You understand and acknowledge that Allison Izu Insurance company and its affiliates own and/or hold 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 the prior written permission of Allison Izu Insurance company or its affiliates is strictly prohibited.
You further understand and agree that any unauthorized use of the images displayed on the Platform may violate copyright laws, trademark laws, the laws of privacy and IRDAI or other advertising regulations and communications regulations and statutes, and you agree to not undertake any such unauthorized acts, and you shall be solely liable to the Company or any third party for any such illegal and unauthorized acts. Allison Izu Insurance company will consider strict action in case of such violations, including appropriate legal action.
Allison Izu Insurance company grants 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. 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 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. Allison Izu Insurance company will fully cooperate with any law enforcement authorities or court order requesting or directing Allison Izu Insurance company to disclose the identity 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.

Indemnity

In consideration of Allison Izu Insurance company providing the Platform / Services, you shall, at your own expense, indemnify and hold Allison Izu Insurance company, its directors and employees, representatives, agents and/or the affiliates, as the case may be, indemnified against all losses and expenses on a full indemnity basis which Allison Izu Insurance company, may incur, sustain, suffer or is likely to suffer in connection with Allison Izu Insurance company, or affiliates' execution of the registered user's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason registered user's usage of Platform / Service for any action taken or omitted to be taken by Allison Izu Insurance company, and /or the affiliates, its officers, employees or agents, on the instructions of the User. The User shall pay, on demand, to Allison Izu Insurance company and /or the affiliates, such amount as may be determined by Allison Izu Insurance company, and/or the 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.

Disclaimer And Limitation Of Liability

NOTHING IN OUR TERMS OF USE AND PRIVACY POLICY WILL PREVENT US FROM COMPLYING WITH THE APPLICABLE LAWS.
In no event shall our 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/-.
Policy/ies are marketed and/or distributed solely by Allison Izu Insurance company as per the requirements of IRDAI and are not in any way associated to or being sold, marketed or offered for sale by the payment gateway service provider, and the payment gateway service provider shall not be liable for the same.
Allison Izu Insurance company shall not be liable if any transaction does not fructify or may not be completed. We 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.
We 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 the Allison Izu Insurance company liable and hereby hold Allison Izu Insurance company harmless from any demands, actions, liabilities, losses, damages, expenses or claims.

Cyber Security

Participate in any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Platform or Allison Izu Insurance company’s systems or networks, or any systems or networks connected to the Platform or to Allison Izu Insurance company.
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, or any other customer of Allison Izu Insurance company, including any Allison Izu Insurance company account not owned by you, to its source, or exploit the Platform or any service or information made available or offered by or through the Platform, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than your own information, as provided for by 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 Allison Izu Insurance company server, or to any of the services offered on or through the Platform, 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 Acko Life 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

Links To Other Websites

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 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 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.

Notice

Notices under these Terms of Use may be given by Allison Izu Insurance company to the Customer in writing over email on the registered email ID provided by the Company at the time of creation of your account. We may give notice to Allison Izu Insurance company by delivering them to the home or other address provided by you on the Platform. Unless otherwise prohibited by any applicable laws, Allison Izu Insurance company shall be deemed to have fulfilled any legal obligation to deliver to the Customer if any such document is sent via electronic email. Allison Izu Insurance company may also publish notices of general nature, which are applicable to all Visitors or Customers in a newspaper or on its Platform or any other online channel. Such notices will have the same effect as a notice served individually to each Visitor or Customer or upon posting.

DND Permission

You authorize Allison Izu Insurance company and/or its affiliates or 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 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 Allison Izu Insurance company reserves the right to make your details available to its affiliates and 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, our affiliates and our partners through email, phone, SMS or other forms of messaging and/or calling services.

Miscellaneous

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.