Welcome to www.a2zinsure.in website (the "Site"). A2ZInsure 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 and other Legal and Admin Policies.
We strongly recommend that, as you read this Terms, you also access and read the linked information,
since it is incorporated into and hereby
made part of this Terms. This Terms is effective upon acceptance. Use of any functionality of the Site
constitutes acceptance of this Terms. If
this Terms conflicts with any other documents, the Terms will control for the purposes of usage of the
Site. If you do not agree to be bound by
this Terms and Condition, 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. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the
Terms without prior notice, and your
continued access or use of this Site signifies your acceptance of the updated or modified Terms.
You understand that in case of your non-compliance (intentional or otherwise) with the Terms of Use
and other Legal and Admin Policies for
access or usage of the Site, a2zinsure reserves the right to terminate your access to the Site and/or
your account (“collectively referred to as
Access”) or remove such non-compliant information (if any) provided by you, or both
By agreeing to these Terms Of Use, you hereby provide a formal mandate to a2zinsure to represent you
to the insurer and communicate the
grant of a cover to you after effecting the insurance. Such mandate shall be valid for a period of 18
months, unless otherwise agreed between
a2zinsure and you. Please note that no mandate is required for pre-underwritten policies or individual
policies.
1. Description of Services
In the Site, a2zinsure provides users with access to information primarily about Financial and
Insurance products and services including but not
restricted to General Insurance, Life Insurance products and related services (including but not limited
to renewals) (the "Service"). 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 a2zinsure 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 a2zinsure
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 a2zinsure
through email or sms.
2. License and Site Access
a2zinsure 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
a2zinsure's sole discretion) an
unreasonable or disproportionately large load on a2zinsure's infrastructure; or any use of data mining,
robots, or similar data gathering and
extraction tools. You may not bypass any measures used by a2zinsure to prevent or restrict access to the
Site. Any unauthorized use by you
shall terminate the permission or license granted to you by a2zinsure. By using the Site you agree not
to: (i) use this Site or its contents for any
commercial purpose; (ii) make any speculative, false, or fraudulent transaction or any transaction in
anticipation of demand; (iii) access, monitor
or copy any content or information of this Site using any robot, spider, scraper or other automated
means or any manual process for any
purpose without our express written permission; (iv) violate the restrictions in any robot exclusion
headers on this Site or bypass or circumvent
other measures employed to prevent or limit access to this Site; (v) take any action that imposes, or
may impose, in our discretion, an
unreasonable or disproportionately large load on our infrastructure; (vi) deep-link to any portion of
this Site (including, without limitation, the
purchase path for any service) for any purpose without our express written permission; or (vii) "frame",
"mirror" or otherwise incorporate any part
of this Site into any other website without our prior written authorization.
3. Eligibility
The Service is not available to minors under the age of 18 or to any users suspended or removed from
the system by a2zinsure 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.
4. 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
Terms and/or Conditions) 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 A2zinsure has reasonable
grounds to suspect that such information is
untrue, inaccurate, not current or incomplete, A2zinsure 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 A2zinsure
immediately of any unauthorized use of your account or any other breach of security. A2zinsure 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. 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.
5. Submitted Content
A2zinsure does not claim ownership of any materials you make available through the Site. At
A2zinsure's sole discretion, such materials may be
included in the Service in whole or in part or in a modified form. With respect to such materials you
submit or make available for inclusion on the
Site you grant A2zinsure a perpetual, irrevocable, non-terminable, worldwide, royalty-free and
non-exclusive license to use, copy, distribute,
publicly display, modify, create derivative works, and sublicense such materials or any part of such
materials (as well as use the name that you
submit in connection with such submitted content). You hereby represent, warrant and covenant that any
materials you provide do not include
anything (including, but not limited to, text, images, music or video) to which you do not have the full
right to grant the license specified in this
Section 4. We take no responsibility and assume no liability for any submitted content posted or
submitted by you. We have no obligation to post
your comments; we reserve the right in our absolute discretion to determine which comments are published
on the Site. If you do not agree to
these terms and conditions, please do not provide us with any submitted content. You agree that you are
fully responsible for the content you
submit. You are prohibited from posting or transmitting to or from this Site: (i) any unlawful,
threatening, libelous, defamatory, obscene,
pornographic, or other material or content that would violate rights of publicity and/or privacy or that
would violate any law; (ii) any commercial
material or content (including, but not limited to, solicitation of funds, advertising, or marketing of
any good or services); and (iii) any material or
content that infringes, misappropriates or violates any copyright, trademark, patent right or other
proprietary right of any third party. You shall be
solely liable for any damages resulting from any violation of the foregoing restrictions, or any other
harm resulting from your posting of content to
this Site
6. 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. A2zinsure 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. A2zinsure
disclaims all warranties and conditions that this Site, its services or any email sent from A2zinsure,
its affiliates, and/or their respective or
associated service providers are free of viruses or other harmful components. A2zinsure 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 A2zinsure 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. A2zinsure 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
A2zinsure 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 A2zinsure and/or its affiliates their respective service providers have been advised of the
possibility of such damages.
7. Disclaimer of Online Availability,Impressions, And Click-Throughs
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.a2zinsure.in, its web pages, and any material,
information, links, or content presented on the
web pages at www.a2zinsure.in. A2zinsure.in, its web pages, and any material, information, links, or
content presented on the web pages at
www.a2zinsure.in, may be unavailable for online access at anytime. Advertising sponsors and advertising,
if any and if permitted, must be
approved by A2zinsure before the posting of any advertising material, information, links, content,
banners, and graphics on www.a2zinsure.in.
A2zinsure reserves the right to accept or to reject any advertising sponsor or any advertising for any
reason
8. Cancellation & Refund/Chargeback Terms and Conditions
(a) Free look period Cancellation and Refund
As per the IRDAI rules and regulations, you have the right to cancel your insurance policy within
15(fifteen) days from the date of (online) receipt
of insurance policy (referred to as “Free look period”) and refund of your premium amount shall be
processed as per the applicable process and
procedures followed by the insurer. This Free look facility can be availed only for Life and Health
insurance policies, subject to certain other
terms and conditions specified by IRDAI. We encourage all our customers to read the insurance policy
document carefully and avail the free
look facility in case the terms and conditions of the insurance policy document don’t match your
insurance requirements. Further, you
understand that once you place a cancellation request within the Free look period, the policy gets
cancelled and entire premium is refunded to
you subject to deduction of (i) charges pertaining to medical tests conducted (ii) administrative and
service cost like stamp duty etc. and; (iii )
Charges for mortality for the period the policy was in force. Please note such deduction is at the sole
discretion of the insurer.
All payments with respect to refunds as stated under this paragraph 1 shall be the sole responsibility
of the insurer per the rules and regulations
laid down by the IRDAI. You understand that A2zinsure has tied up with RBI authorized payment gateways
to allow you to make online
payments towards your insurance premium amount and is only acting as a mere facilitator and providing
its assistance to its customers for
speedy refunds.
(b) Charge backs
You (cardholder) may dispute a transaction carried out through our Website and file a Charge back
with your issuing bank for the reversal of that
transaction. Chargeback allows transactions to be reversed by you under specified circumstances such as,
on account of (i) alleged forgery of
the card number / bank account or other details (ii) any charge/debit made on a card that has been
listed as a hot listed card or otherwise listed
on the card association (Visa, MasterCard, etc.) warning bulletins (iii) duplicate processing of the
transaction; or (iv) for other reasons as per
applicable rules and guidelines issued by RBI, card Associations, your card/payment instrument issuing
bank etc. However, we reserve the right
to reject a Charge back, including but not limited to, under the following circumstances:
- 1. In the event your medical tests or underwriting is in process with your chosen
insurer, not exceeding a period of 3 months from the date of
your insurance policy application.
- 2. In the event there is any delay caused on the part of the insurer in conducting
medical tests or during the process of medical underwriting or
issuance of insurance policy or any service provided by the insurer in connection with the
insurance policy issuance, not exceeding a period of 3
months from the date of your insurance policy application.
- 3. In case your insurance policy application is rejected by the insurer, post your
medical test Our Company shall not be liable to you, in any form
or manner whatsoever, for any claims, disputes, proceedings which may arise in connection
with Charge backs initiated by you in the
circumstances as specified under (a), (b) and (c) herein above
9. Additional Terms and Conditions of proposal form (applicable for health insurance products only):
(i) You hereby declare, on your behalf and on behalf of all persons proposed to be insured, that the
statements, answers and/ or particulars
given by you are true and complete in all respects to the best of your knowledge and that you are
authorized to propose on behalf of these other
persons.
(ii) You understand that the information provided by you will form the basis of the insurance policy,
is subject to the Board approved underwriting
policy of the insurer and that the policy will come into force only after full payment of the premium
chargeable.
(iii) You further declare that you will notify in writing any change occurring in the occupation or
general health of the life to be insured/proposer
after the proposal has been submitted but before communication of the risk acceptance by the insurance
company.
(iv) You declare that you consent to the insurance company seeking medical information from any
doctor or hospital who/which at any time has
attended on the person to be insured/proposer or from any past or present employer concerning anything
which affects the physical or mental
health of the person to be insured/proposer and seeking information from any insurer to whom an
application for insurance on the person to be
insured/proposer has been made for the purpose of underwriting the proposal and/or claim
settlement.
(v) You authorize the A2zinsure/insurance company to share information pertaining to your proposal
including the medical records of the
insured/ proposer for the sole purpose of underwriting the proposal and/or claims settlement and with
any Governmental and/or Regulatory
authority.
(vi) You consent to and authorize any of insurance company’s authorized representatives not being
direct employees of the company to seek
medical information required for the purpose of policy issuance or claim settlement under this policy
from any hospital/medical practitioner that
you or any person proposed to be insured/insured has attended or may attend in future concerning any
disease or illness or injury.
10. You understand agree that (section 41 of Insurance Act)
(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 10 Lakh Rupees.
11. Customer Due Diligence requirements (CDD)
You agree and acknowledge that for undertaking any financial transaction through the website, Our
Company may undertake client/customer
due diligence measuresers and seek mandatory information required for KYC purpose which as a customer
you are obliged to give, while
facilitating your request of insurance requirements with the insurance company(ies), in accordance with
applicable laws and rules. Where
required, you hereby consent to and authorize Our Company to obtain your credit information through
authorized entities.
Our Company may obtain sufficient information to establish, to its satisfaction or the insurance
company, the identity of each new customer, and
the purpose of the intended nature of insurance relationship between you and the insurance company(ies).
You agree and understand that you
shall ensure that any payment towards insurance premium is remitted only through your bank account or
from a joint bank account in which you
are a joint holder. In the event, payment towards insurance premium is remitted through a bank account
opened in the name of a third party(i.e.
not being in your name), you agree and acknowledge that Our Company can undertake enhanced due diligence
measures(including any
documentation), to satisfy itself relating to customer due diligence requirements.
You further agree and acknowledge that, in line with the requirements and obligations under the PMLA
Act and rules, all refunds shall be
processed by the insurance company(ies) through us to the bank account which was used to remit payment
of insurance premium.
12. License Disclaimer
Nothing on any A2zinsure website shall be construed as conferring any license under any of
A2zinsure's or any third party's intellectual property
rights, whether by estoppel, implication, or otherwise.
13. Local Laws
A2zinsure is compliant as per the local, state and central laws. We endeavour to provide information
under its control or possession, or
assistance to any Government agency which is lawfully authorised to investigate or protect cyber
security activities, for the purposes of
verification of identity, or for the prevention, detection, investigation, or prosecution, of offences
under any law for the time being in force, or for
cyber security incidents as soon as possible, but not later than seventy two hours of the receipt of an
order or as per the timelines specified in
any government or regulatory order. Accordingly, our Grievance officer and our legal team is authorized
to receive and acknowledge any order,
notice or direction issued by the Appropriate Government, any competent authority, or a court of
competent jurisdiction. A2zinsure controls and
operates this Website from its headquarters in Kolkata, 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. Disputes if any shall be subject to the exclusive
jurisdiction of Courts at Kolkata.
14. Limitation of Liability
You expressly understand and agree that A2zinsure and its subsidiaries, affiliates, officers,
employees, agents, partners and licensors shall not
be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages,
including, but not limited to, damages for loss
of profits, goodwill, use, data or other intangible losses (even if A2zinsure has been advised of the
possibility of such damages), resulting from
use of the Site, content or any related services. If, despite the limitation above, A2zinsure or its
Affiliates are found liable for any loss or damage
which arises out of or in any way connected with any of the occurrences described above, then the
liability of A2zinsure and/or Its Affiliates will
in no event exceed, in the aggregate, the greater of (a) the service fees you paid to A2zinsure in
connection with such transaction(s) on this Site,
or (b) Rupees One Hundred only (INR 100) The limitation of liability reflects the allocation of risk
between the parties. The limitations specified in
this section will survive and apply even if any limited remedy specified in these terms is found to have
failed of its essential purpose. The
limitations of liability provided in these terms inure to the benefit of A2zinsure, Its affiliates,
and/or their respective service providers.
15. Indemnity
You agree to indemnify and hold A2zinsure (and its officers, Partners, agents, subsidiaries, 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,
your violation of any law or the rights of a
third party, or your use of the Site.
16. Electronic Communication
When you use the Site or send emails to A2zinsure, you are communicating with A2zinsure
electronically. You consent to receive
communications from A2zinsure electronically (including your email ID and WhatsApp). A2zinsure may
communicate with you by email or by
posting notices on the Site or by phone or usually available means of communication (including
WhatsApp). 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.
17. 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. A2zinsure
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, A2zinsure 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 or host, display, upload, modify, publish, transmit,
store, update or share any information 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 for the time being in force or is defamatory,
obscene, pornographic, paedopholic, invasive of another privacy including bodily privacy, insulting or
harassing on the basis of gender, libellous,
racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise
inconsistent with or contrary to the laws
in force; (ii) Advertisements or solicitations of any kind; (iii) Impersonate others or provide any kind
of false information or belongs to another
person and to which the user does not have any right; (iv) Personal information such as messages which
state phone numbers, account
numbers, addresses, or employer references.; (v) Messages by non-spokesperson employees of A2zinsure
purporting to speak on behalf of
A2zinsure or containing confidential information or expressing opinions concerning A2zinsure; (vi)
Messages that offer unauthorized downloads
of any copyrighted or private information or infringes any patent, trademark, copyright or other
proprietary rights; (vii) Multiple messages placed
within individual folders by the same user restating the same point; (viii) Chain letters of any kind;
(ix) 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; (x) is harmful to child; (xi) deceives or misleads the addressee about
the origin of the message or knowingly
and intentionally communicates any information which is patently false or misleading in nature but may
reasonably be perceived as a fact; (xii)
impersonates another person; (xiii) threatens the unity, integrity, defence, security or sovereignty of
India, friendly relations with foreign States,
or public order, or causes incitement to the commission of any cognisable offence or prevents
investigation of any offence or is insulting other
nation; (xiv) contains software virus or any other computer code, file or program designed to interrupt,
destroy or limit the functionality of any
computer resource; or (xv) is patently false and untrue, and is written or published in any form, with
the intent to mislead or harass a person,
entity or agency for financial gain or to cause any injury to any person. This prohibition includes but
is not limited to a) Using A2zinsure to send
messages to people who don't know you or who are unlikely to recognize you as a known contact; b) Using
A2zinsure to connect to people who
don't 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.
18. Links
The Site or third parties may provide links to other World Wide Web sites or resources. Because
A2zinsure has no control over such sites and
resources, you acknowledge and agree that A2zinsure is not responsible for the availability of such
external sites or resources, and does not
endorse and is not responsible or liable for any content, advertising, products or other materials on or
available from such sites or resources.
You further acknowledge and agree that A2zinsure shall not be responsible or liable, directly or
indirectly, for any damage or loss caused or
alleged to be caused by or in connection with use of or reliance on any such content, goods or services
available on or through any such Site.
19. Access to Password Protected/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.
20. Modification and Notification of Changes
A2zinsure reserves the right to make changes to the Site, related policies and agreements, this Terms
and Conditions at any time. If A2zinsure
makes a material modification to this Terms, it may notify you by: (i) displaying a prominent
announcement above the text of this Terms or the
Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such
changes. After notice of a modification to the
Terms has been posted for 30 days, the notice will be removed. If you have not used the Site for more
than 30 days, you should check the
Terms and/or Conditions prior to any further use of the Site. Should you wish to terminate your account
due to a modification to the Terms or
Conditions, you may do so by sending an email with the subject line "Termination" to the following email
address: info@a2zinsure.in. If you
choose to continue using the Site, you agree that by doing so you will be deemed to accept the new Terms
& Conditions, as relevant.
21. Trademarks
The trademarks, logos and service marks ("Marks") displayed on the Site are the property of
A2zinsure/its parent company and other associated
parties and service providers. Users are prohibited from using any Marks for any purpose including, but
not limited to use as metatags on other
pages or sites on the World Wide Web without the written permission of A2zinsure or such third party
which may own the Marks. All information
and content including any software programs available on or through the Site ("Content") is protected by
copyright. Users are prohibited from
modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating
derivative works or using any Content available
on or through the Site / Mobile Application for commercial or public purposes.
22. Survival of Terms After Agreement Ends
If any of these conditions are deemed invalid, void, or for any reason unenforceable, the parties
agree that the court should endeavor to give
effect to the parties’ intentions as reflected in the provision, and the unenforceable condition shall
be deemed severable and shall not affect the
validity and enforceability of any remaining condition. Headings are for reference purposes only and do
not limit the scope or extent of such
section. This Terms and the relationship between you and A2zinsure will be governed by the laws of the
India without regard to its conflict of law
provisions. You and A2zinsure agree to submit to the personal jurisdiction of the courts located in
Kolkata jurisdiction with respect to any legal
proceedings that may arise in connection with this Terms. The failure of A2zinsure to act with respect
to a breach by you or others does not
waive its right to act with respect to subsequent or similar breaches. A2zinsure does not guarantee it
will take action against all breaches of this
Terms. Except as otherwise expressly provided in this Terms, there shall be no third-party beneficiaries
to this Terms. This Terms constitutes
the entire agreement between you and A2zinsure and governs your use of the Site, superseding any prior
agreements between you and
A2zinsure with respect to the Site.