India's Best Insurance Portal

Terms & Conditions

Welcome to Policyplanner.in(the "Site") operated POLICY PLANNER INSURANCE WEB AGGREGATOR PRIVATE LIMITED .Policy planner provides its services to you subject to the following conditions. Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use. We strongly recommend that, as you read this term of use , you also access and read the linked information, since it is incorporated into and hereby made part of this terms of use. This terms of use is effective upon acceptance. Use of any functionality of the Site constitutes acceptance of this terms of use . If this terms of use conflicts with any other documents, the terms of use will control for the purposes of usage of the Site. If you do not agree to be bound by this terms of use , you may not use the Site in any way. Be sure to return to this page periodically to review the most current version of the terms of use. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the terms of use without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified terms of use.

Description of Services

In the Site, Policy planner provides users with access to information primarily about Financial and Insurance products and services .You are responsible for obtaining access to the Site, 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 to access the Site. By making use of this site, 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 Policy planner 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 Policy planner 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 Policy planner through email or sms.

License & Accessibility of site

Policy planner grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Policy planner's sole discretion) an unreasonable or disproportionately large load on Policy planner's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Policy planner to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Policy planner. By using the Site you agree not to:
(i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
(ii)Advertisements or solicitations of any kind.
(iii) Impersonate others or provide any kind of false information.
(iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.
(v) Messages by non-spokesperson employees of Policy planner purporting to speak on behalf of Policy planner or containing confidential information or expressing opinions concerning Policy planner.
(vi) Messages that offer unauthorized downloads of any copyrighted or private information.
(vii) Multiple messages placed within individual folders by the same user restating the same point.
(viii) Chain letters of any kind or
(viii) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message
This prohibition includes but is not limited to :
a) Using Policy planner to send messages to people who do not know you or who are unlikely to recognize you as a known contact.
b) Using Policy planner to connect to people who do not know you and then sending unsolicited promotional messages to those direct connections without their permission; and
c) Sending messages to distribution lists, newsgroup aliases, or group aliases.

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Policy planner for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.

About Your Account

In consideration of your use of the Site, 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 Site 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 the term of use) 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 Site. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Policy planner has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Policy planner has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). If you use the Site, 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 Policy planner immediately of any unauthorized use of your account or any other breach of security. Policy planner 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 Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the terms of use. 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.

Disclaimer of Liability and Warranty

The Content, Products, and Services Published on this site may include inaccuracies or errors, Including Pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly reserves the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. Policy planner makes no representation about the suitability of the information, Software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided "AS IS" without warranty of any kind. Policy planner disclaims all warranties and conditions that this site, its services or any email sent from Policy planner, its affiliates, and/or their respective or associated service providers are free of viruses or other harmful components. Policy planner hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The service providers providing services on this site are independent affiliates and Policy planner are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. Policy planner and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall Policy planner and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Policy planner and/or its affiliates their respective service providers have been advised of the possibility of such damages.

Disclaimer of Online Availability & Contents

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www. Policy planner.com, its web pages, and any material, information, links, or content presented on the web pages at www. Policyplanner.com. Policy planner.com, its web pages, and any material, information, links, or content presented on the web pages at www.Policyplanner.com, may be unavailable for online access at anytime. Advertising sponsors and advertising, if any and if permitted, must be approved by Policy planner before the posting of any advertising material, information, links, content, banners, and graphics on www. Policyplanner.com. Policy planner reserves the right to accept or to reject any advertising sponsor or any advertising for any reason.

License Disclaimer

Nothing on any Policy planner website shall be construed as conferring any license under any of Policy planner's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.

Local Laws

Policy planner controls and operates this Website from its headquarters in Pune, India and makes no representation that the materials on the website are appropriate or available for use in other locations. If you use this Website from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries. Unless otherwise explicitly stated, all marketing or promotional materials found on this Website are solely directed to individuals, companies or other entities located in India and comply with the laws prevailing for the time being in force in India.

Indemnity

You agree to indemnify and hold Policy planner (and its officers, directors, agents, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys fees, or arising out of or related to your breach of this terms of use , your violation of any law or the rights of a third party, or your use of the Site.

Electronic Communication

When you use the Site or send emails to Policy planner, you are communicating with Policy planner electronically. You consent to receive communications from Policy planner electronically. Policy planner may communicate with you by email or by posting notices on the Site 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.

Site-Provided Email and Postings

The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. Policy planner is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Policy planner may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree that you shall not to use any functionality provided by the Site to post content or initiate communications that contain:
(i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
(ii)Advertisements or solicitations of any kind.
(iii) Impersonate others or provide any kind of false information.
(iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.
(v) Messages by non-spokesperson employees of Policy planner purporting to speak on behalf of Policy planner or containing confidential information or expressing opinions concerning Policy planner.
(vi) Messages that offer unauthorized downloads of any copyrighted or private information.
(vii) Multiple messages placed within individual folders by the same user restating the same point.
(viii) Chain letters of any kind or
(viii) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message

Access to Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

Modification & Notification of Changes

Policy planner reserves the right to make changes to the Site, related policies and agreements, this terms of use at any time. If Policy planner makes a material modification to this terms of use , it may notify you by: (i) displaying a prominent announcement above the text of this terms of use, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes.