Terms and Conditions

Visitors /Users to this web site are bound by the following terms and conditions including any additional terms which may be added from time to time with or without notice to you in addition to member-client agreement & other such agreements executed by the user/client. It is important to understand that insurance is a subject matter of solicitation. It is the responsibility of the user/customer to understand the limitations of insurance policies and the risks involved and under no circumstances, do we take liability in such cases. Please read the following terms and conditions carefully before continuing to use this site.

Sriyah Insurance Brokers Private Limited (hereinafter referred to as “Sriyah”) maintains sriyah.in (hereinafter referred to as the “Website”) and owns, has the license to use or otherwise has the right to use, free of any pending or threatened liens, all content, graphics, HTML and CGI or other scripts displayed and used on the Website.

Sriyah Insurance Brokers is Insurance Regulatory and Development Authority “IRDAI” licensed direct insurance broker, operating in both- life and general insurance.

Sriyah does not warrant or guarantee the Timelines, accuracy or completeness of the Website Information; or Quality of the results obtained from the use of the Website.

To the maximum extent permitted by law, Sriyah has no liability in relation to or arising out of the Website Information and Website recommendations. You are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a product or its terms you should seek further advice from Sriyah or the relevant participating provider before choosing your product.

Sriyah may provide your personal information to the relevant participating provider/insurance company if you apply to purchase a product through the Website. However, Sriyah does not guarantee when or if you will actually acquire the product that you have chosen. Sriyah will not be liable in any manner, arising out of circumstances where there is delay in you acquiring the product you have chosen.

The acceptance of the deposit as premium and final issuance of the policy is subject to the underwriting norms and discretion between you and insurer whose policy you have chosen to buy, on which Sriyah has no control. Sriyah will however ensure that the amount is refunded by the insurer in case there is no ultimate issuance of policy subject to proof of payment and non-issuance of policy being made available.

By visiting our website and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as ‘User Agreement’), along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy section for more information) including any future changes in the terms and conditions. This agreement is effective from April, 1st 2018.

We reserve the right to change this User Agreement from time to time without notice. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

1. Responsible Use and Conduct

By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by (a) the terms of this User Agreement, and (b) applicable laws, regulations and generally accepted online practices or guidelines.Wherein, you understand that:In order to access our Resources, you are required to provide certain information about yourself (contact details) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date.Your personal information such as mobile contact number provided to Sriyah by your employer may be used to pre-register you in the Website.You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.Accessing (or attempting to access) any of our Resources by any means other than through the means we provide, is strictly prohibited. You specifically agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means.Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited.Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited. You agree to indemnify, defend and hold Sriyah harmless from an against any and all demands, losses, damages, costs or liability both civil and criminal arising out of or relating to your use or misuse of and/or in connection to any unauthorized activity or non-permissible activity.We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. Sriyah will not be responsible for the content posted by you or for any misuse of content posted by you or others.By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, sexist, divisive, casteist or contains any type of suggestive, inappropriate, or explicit language;Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;Contains any type of unauthorized or unsolicited advertising;Impersonates any person or entity, including any Sriyah employees or representatives.We have the right at our sole discretion to remove any content that, we feel that does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any Third party intellectual property rights including copyrights and trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us in this regard.Under no circumstance, Sriyah will be liable for any content posted by you or any other 3rd party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any 3rd party intellectual property rights including copyrights or trademarks, becomes the property of Sriyah, without having to pay any consideration and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This is only limited to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources. All information provided as part of our registration process is covered by our privacy policy.You agree to indemnify and hold Sriyah. and its parent company and affiliates, and their directors, officers, managers, employees, donors, agents, and licensors harmless, from and against any and all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested by us.

2.Trademarks and Copyrights

All content and materials available on the Website including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Sriyah and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized in writing by Sriyah.

3. Termination of Use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship. Upon suspension or termination, your right to use the Resources provided by us will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

4. Advertising Material

Part of the Site will contain advertising and other material submitted to Sriyah by third parties. Advertisers are responsible for ensuring that material submitted for inclusion on the Site complies with applicable International and National law. Sriyah will not be responsible for any advertiser’s claim, error, omission or inaccuracy in advertising material, and reserves the right to omit, suspend or change the position of any advertising material submitted for insertion. Acceptance of advertisements on the Site will be subject to the terms and conditions of Sriyah which are available on request.

5. Data Protection

Sriyah may send information and offers of products and services to you from time to time. The information and data are generic in nature. Our efforts are to offer unbiased, accurate and responsible data to the best of our ability. We are however, in no manner or form responsible for any discrepancies in the data published on our website. For further details relating to our policy relating to such offer please refer to our privacy statement.

*E-mail messages sent to Sriyah over the internet cannot be guaranteed to be completely secure. The integrity of such messages cannot be guaranteed by the internet and Sriyah will not be responsible for any damages incurred by users due to messages sent or received by them to or from Sriyah.

6. Do Not Disturb / Do Not Call (Support)

To obtain further details on the features, terms, conditions and exclusions of the insurance products sold by Sriyah, you may email us at [email protected] or use the webform in the “contact us” page.

You expressly understand, accept and agree that by entering your contact details (which includes your preferred telephone number and email) in the Quotation/Inquiry/Policy form, you are consenting to, and specifically authorizing Sriyah to contact you on the mobile number you have provided in the Quotation/Policy form in relation to obtaining further details on and/or purchasing of the insurance products sold by Sriyah. You further confirm and agree that you have completed your contact details voluntarily and under no duress and that this authorization you have provided to Sriyah to contact you over your mobile number in relation to the insurance products sold by Sriyah will continue to apply to all calls relating to the solicitation of the insurance products sold by Sriyah to you even if this mobile number is presently or subsequently registered on the Provider Do Not Call/ Do Not Disturb Register or the National Do Not Call Register.

Sriyah does not send emails from other than domain names – “sriyahconnect.net, sriyahconnect.in or sriyah.in”. Please do not respond to any mails other than email IDs with this domain name as same may be fraudulent/phishing emails.

7. Anti Fraud Policy

Sriyah is committed to transparency, integrity and accountability in all its affairs. It is determined to maintain a culture of honesty and strong opposition to fraud.

8. Protection of Privacy of Children/Minor(s)

If you are below 18 years of age, you shall not submit any personal information to us, except if you are submitting the information through or with the consent of your guardian.

Owing to the technical features of the Internet, only hard copies, which are formally released by Sriyah can provide official and reliable information. Sriyah does not endorse or accept any liability for the contents of linked Web Sites. The information and opinions contained in the Web site are for informational purposes only and subject to change without notice.

9. Governing Law and Jurisdiction

These Agreement is governed by and shall be construed in accordance with the laws of India.

You agree to submit all your disputes arising out of or in connection with this Agreement to the exclusive jurisdiction of the Courts at Bangalore, India.