Prudent Insurance Brokers Private Limited (PIBL) CIN No.U70100MH1982PTC027681 having its registered office at 101 Tower B, Peninsula Business Park, G.K. Marg, Lower Parel, Mumbai 400 013.
These terms and conditions govern your use of this website / portal as well as a whatsapp chatbot (either being referred to as “Portal”); by using this Portal, you accept these terms and conditions in full.
If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this Portal. You must be at least [18] years of age to use this Portal. By using this Portal [and by agreeing to these terms and conditions] you warrant and represent that you are at least [18] years of age. This Portal uses cookies. By using this Portal and agreeing to these terms and conditions, you consent to our Prudent's use of cookies in accordance with the terms of Prudent's privacy policy License to use Portal Unless otherwise stated, Prudent owns the intellectual property rights in the Portal and material on the Portal. You may view, download from the Portal for your own personal use. You must not republish material from this Portal; sell, rent or sub-license material from the Portal; show any material from the Portal in public; reproduce, duplicate, copy or otherwise exploit material on this Portal for a commercial purpose; [edit or otherwise modify any material on the Portal; or] [redistribute material from this Portal where content is specifically made available for redistribution, it may only be redistributed [within your organisation]. Acceptable use you must not use this Portal in any way that causes, or may cause, damage to the Portal or impairment of the availability or accessibility of the Portal; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. You must not use this Portal to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this Portal without Prudent's express written consent. [You must not use this Portal to transmit or send unsolicited commercial communications.] [You must not use this Portal for any purposes related to marketing without Prudent's express written consent.] Restricted access to certain areas of this Portal is restricted] reserves the right to restrict access to [other] areas of this Portal, or indeed this entire Portal, at Prudent's discretion. If Prudent provides you with a user ID and password to enable you to access restricted areas of this Portal or other content or services, you must ensure that the user ID and password are kept confidential. Prudent may disable your user ID and password on receiving instructions from your HR department with reference to you.
User content in these terms and conditions, "your user content" means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this Portal, for whatever purpose. You grant to Prudent an irrevocable right to share your personal information with relevant insurance Companies and Third Party Administrators as required. Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Prudent or a third party under any applicable law.
You must not submit any user content to the Portal that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. All requests by you or your HR department to edit or remove any material submitted to this Portal must be in writing/electronically and you grant Prudent the right to edit or remove material as per the requests made. No warranties this Portal is provided "as is" without any representations or warranties, express or implied. Prudent makes no representations or warranties in relation to this Portal or the information and materials provided on this Portal. Without prejudice to the generality of the foregoing paragraph, Prudent does not warrant that: this Portal will be constantly available, or available at all; or The information on this Portal is complete, true, accurate or non-misleading. Nothing on this Portal constitutes, or is meant to constitute, advice of any kind. [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.]
Limitations of liability Prudent will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this Portal: to the extent that the Portal is provided free-of-charge, for any direct loss; for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data. These limitations of liability apply even if Prudent has been expressly advised of the potential loss.
Reasonableness by using this Portal, you agree that the limitations of liability set out in this Portal disclaimer are reasonable. If you do not think they are reasonable, you must not use this Portal. Other parties [You accept that, as a limited liability entity, Prudent has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against Prudent or its officers or employees in respect of any losses you suffer in connection with the Portal.] [Without prejudice to the foregoing paragraph,] you agree that the limitations of warranties and liability set out in this Portal disclaimer will protect Prudent and its officers, employees, agents, subsidiaries, successors, assigns and sub-contractors. Third Party links there could be third party links on this Portal to enhance your user experience for general purpose only.
In no event Prudent be liable for any loss or damage, indirect or consequential without limitation, in any way whatsoever for your use of the links. Indemnity you hereby indemnify Prudent and undertake to keep Prudent and its officers, employees, agents, subsidiaries, successors, assigns and sub-contractors indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Prudent to a third party in settlement of a claim or dispute on the advice of Prudent's legal advisers) incurred or suffered by Prudent arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions. Breaches of these terms and conditions Without prejudice to Prudent's other rights under these terms and conditions, if you breach these terms and conditions in any way, Prudent may take such action as it deems appropriate to deal with the breach, including suspending your access to the Portal, prohibiting you from accessing the Portal, blocking computers using your IP address from accessing the Portal, contacting your internet service provider to request that they block your access to the Portal and/or bringing civil and or criminal proceedings against you. Variation Prudent may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this Portal from the date of the publication of the revised terms and conditions on this Portal. Please check this page regularly to ensure you are familiar with the current version.
Assignment Prudent may transfer, sub-contract or otherwise deal with Prudent's rights and/or obligations under these terms and conditions after notifying you in writing and obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions. Severability If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect. Entire agreement these terms and conditions constitute the entire agreement between you and Prudent in relation to your use of this Portal, and supersede all previous agreements in respect of your use of this Portal. Law and jurisdiction these terms and conditions will be governed by and construed in accordance with Laws of India and any disputes relating to these terms and conditions will be subject to the non-exclusive jurisdiction of the courts of Bengaluru.
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