Welcome to InsureKlick. These Terms and Conditions outline the rules and regulations for using our platform, located at insureklick.com, and associated mobile applications. By accessing or using our services, you accept these Terms and Conditions. If you do not agree to these terms, you must not use our services.

Definitions

• Platform: Refers to the InsureKlick website, mobile application, and associated services.
• User/You: Refers to any individual or legal entity accessing or using the platform.
• Company/We/Us/Our: Refers to InsureKlick Solutions Pvt Ltd, registered at D-9, Ground Floor, Sector-3, Noida, Uttar Pradesh, India, 201301.
• Services: Refers to the features, products, and functionalities offered on the platform, including health card scanning, policy retrieval, and subscription management.
• Third-Party Services: Refers to external services or content integrated into the platform but operated by third parties.

Acceptance of Terms

By accessing or using the platform:

• You confirm that you are at least 18 years old or are accessing the platform under the supervision of a parent or legal guardian.
• You agree to comply with all applicable laws and regulations while using our services.
• You accept these Terms and Conditions and agree to be legally bound by them.

Account Registration

• To use certain services, you must create an account by providing accurate and complete information.
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• We reserve the right to suspend or terminate your account if false or misleading information is provided or activities violating these terms are detected.

Permitted Use

• Personal Use: You may only use the platform for personal or authorized business purposes.
• Restrictions: You agree not to:
  • Use the platform for unlawful purposes.
  • Attempt unauthorized access to the platform or its servers.
  • Copy, distribute, or reverse-engineer any part of the platform.

Subscriptions and Payments

• Service Plans: Our platform offers two modes of operation:
  • Pay-as-you-go: Payment for individual scans.
  • Subscription-based: Fixed monthly limits.
• Payment Terms:
  • Payments must be made in Indian Rupees (INR) or as specified during checkout.
  • All fees are non-refundable, except as required under applicable consumer protection laws.
• Failure to Pay: If payments are not received on time, your access to services may be suspended or terminated.
• Taxes: You are responsible for any applicable taxes associated with your subscription.

Health Card Scanning and Policy Details

• Accuracy of Results: The platform retrieves policy details based on the information encoded in health cards. While we strive for accuracy, we do not guarantee the completeness or error-free nature of the retrieved data.
• Disclaimers: Policy terms are subject to the issuing insurer’s official documentation. Users should verify retrieved data with their respective insurers for critical decisions.

Third-Party Integrations

• The platform integrates with third-party services (e.g., payment gateways and insurers) for enhanced functionality.
• We are not responsible for the content, policies, or practices of third-party services or any loss or damages arising from your interactions with them.

User Responsibilities

• Provide accurate, current, and complete information.
• Refrain from uploading any content that is offensive, illegal, or violates third-party rights.
• Comply with data protection and cybersecurity laws, including the Information Technology Act, 2000, and related rules.

Termination of Access

We reserve the right to suspend or terminate your access to the platform at our sole discretion, without notice, if:

• You violate any provision of these terms.
• Your activities compromise the security or integrity of the platform.
• Required under applicable law or by a regulatory authority.

Intellectual Property

• Ownership: All intellectual property rights, including trademarks, logos, and content, are owned by the Company or its licensors.
• Prohibited Actions: Reproduction or distribution of any material without prior written consent or misuse of any intellectual property.

Privacy and Data Protection

• Data Collection: We collect, store, and process user data in accordance with our Privacy Policy.
• Sensitive Personal Data or Information (SPDI): We comply with the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011, ensuring the protection of:
  • Passwords.
  • Financial information.
  • Health-related data.
• User Consent: By using our platform, you consent to the collection and processing of your data as outlined in the Privacy Policy.

Limitation of Liability

• The Company is not liable for indirect, incidental, or consequential damages or errors, interruptions, or unavailability of services.
• Your sole remedy for dissatisfaction with the platform is to discontinue using the service.

Indemnification

You agree to indemnify and hold harmless the Company and its affiliates from any claims, damages, or liabilities arising from:

• Your breach of these Terms.
• Your misuse of the platform or services.
• Third-party claims related to your actions on the platform.

Governing Law

These Terms and Conditions are governed by the laws of India. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in Noida, Uttar Pradesh.

Changes to Terms

We may modify these Terms and Conditions at any time. Updates will be posted on this page, and continued use of the platform constitutes acceptance of the revised terms.

Contact Us

If you have questions about these Terms and Conditions, please contact us:

• Email: contact@insureklick.com
• Phone: +91 70885 80422
• Address: D-9, Ground floor, sector - 3, Noida Gautam Buddha Nagar, Noida 201301