For the purpose of
this definition of Affiliate, "control" together with grammatical
variations when used with respect to any Person, means the power to
direct the management and policies of such Person, directly or
indirectly, whether through the ownership of the vote carrying
securities, by contract or otherwise.
In the event that
ICM has, or may from time to time, introduce or offer certain
services on the Web Site which require authentication procedures,
the Customer would be able to access such services by using the
Customer ID and the Customer Password. By using the Customer ID and
the Customer Password the Customer can authorize the transactions.
The Customer may be provided a Transaction Password, which would
enable the Customer to carry out such transactions as may be
specified from time to time. The Customer would not be able to carry
out the transactions without the use of the Transaction Password.
The terms governing the Customer ID, Customer Password and
Transaction Password are as follows:
Subject to the
Terms and Conditions, ICM shall take reasonable care to ensure the
security of and to prevent unauthorized access to the services,
which are being provided through the Web Site using technology
reasonably available to ICM.
Though, entry of
information in various search and entry forms in the website would
help in detecting any obvious errors made by the customer, the entry
of data by the customer and subsequent preparation of policies on
the basis of this information is the complete responsibility of the
The linked websites
are not under ICM's control and ICM is not responsible for the
contents of any such linked website or any link contained in a
linked website, advertisements appearing in or products offered by
or any changes or updates to such websites. ICM is providing these
links to the User only as a convenience, and the inclusion of any
link does not imply endorsement by ICM of the linked website.
which cannot be carried out instantaneously, would be carried out
during working hours either on the same day or on the next working
day or such further period as may be determined and/or specified by
ICM depending upon the time of logging of the transaction
that are carried out by and on behalf of the Customer shall be
subject to Government notifications, the rules, regulations and
guidelines issued by the IRDA, Reserve Bank of India, and any other
regulatory bodies defining rules/regulations governing the offer of
any service on the Web Site.
Except as warranted in these Terms and Conditions, ICM
expressly disclaims all warranties of any kind, whether express or
implied or statutory, including, but not limited to the implied
warranties of merchantability, fitness for a particular purpose,
data accuracy & completeness, and any warranties relating to
ICM shall not be responsible or liable for the authenticity,
accuracy, completeness, errors, omission, typographic errors,
disruption, delay, interruption, failure, deletion, defect of any
information, research, reports, analysis, quotes etc in this Web
Site or any part thereof.
ICM shall not incur any liability direct or indirect, to the
user or any third party, as a consequence of non-functioning of any
equipment belonging to the User, any third party or ICM. ICM shall
not be responsible for any downtime of such equipment.
ICM do not warrant that access to the Web Site will be
uninterrupted, timely, secure, or error free; nor do ICM make any
warranty as to the results that may be obtained from the Web Site or
as to the accuracy or reliability of the content contained therein.
ICM make no warranty regarding the transactions entered into
through the Web Site. No advice or information, whether oral or
written, obtained by the user from or through the Web Site or any
person shall create any warranty not expressly stated herein.
ICM shall not be liable for any action taken by the user
based on or relying on the information provided in or by the Web
ICM will not be liable for any virus that may enter the
visitor/customer's system as a result of the User using the Web
Site. ICM make no guarantees to User or third parties that the
content contained on the Web Site would be virus free. ICM will not
be liable for any direct, incidental or consequential loss, which
may be caused to the User as a result of his/her use of the Web
If the User is dissatisfied with any portion of this Web Site
or with any of these Terms and Conditions, his/her sole and
exclusive remedy is to discontinue using the Web Site.
The User agrees that ICM shall not be liable for any damages
arising from interruption, suspension or termination of the Web
Site, including but not limited to direct, indirect, incidental,
special, consequential or exemplary damages, whether such
interruption, suspension or termination was justified or not,
negligent or intentional, inadvertent or advertent. Applicable law
may not allow the limitation or exclusion of liability or incidental
or consequential damages. However, in no event shall ICM's liability
to the User for all damages, losses and causes of action (whether in
contract or tort, including but not limited to, negligence) exceed
the amount paid by the visitor/customer, if any, for accessing the
In addition, ICM may also publish notices of general nature,
which are applicable to all Visitors or Customers in a newspaper or
on its Web Site. Such notices will have the same effect as a notice
served individually to each Visitor or Customer.
In the case of hand delivery, cable, telex, facsimile notices
or electronic communication notices or instructions will be deemed
served 7 days after posting or upon receipt as the case may be.
Documents, which may be sent by electronic communication between the
parties, may be in the form of an electronic mail, an electronic
mail attachment, or in the form of an available download from the
Web Site. ICM shall be deemed to have fulfilled any legal obligation
to deliver to the Customer if any such document is sent via
electronic delivery. Any instructions received from the
Customer/Visitor by means of electronic delivery or by facsimile
would be deemed to have been sent on paper.
The services available on the Web Site are being offered to
Residents of India only. Provided however, that such services are
not available to foreign residents including non-resident Indians
("NRI's") in foreign jurisdictions where the services cannot be
offered without prior regulatory compliance. It shall be the sole
responsibility of foreign residents including NRIs in foreign
jurisdictions to verify whether the services available on the Web
Site can be accessed and utilised in their respective jurisdictions.
However, NRI's can utilize the services available on the Web
Site for the insurance requirements of the Residents in India as
well as their insurance requirements arising in India.
The services which are part of the Web Site do not constitute
an offer to sell or a solicitation of an offer to buy any
policies/products to any person in any jurisdiction where it is
unlawful to make such an offer or solicitation.
We have made every effort to calculate and provide accurate premium and benefits. However, the premium as calculated finally by the concerned insurance companies at the time of proposal will be applicable and final.
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