Terms and Conditions

Terms of use
These Terms and Conditions govern your use of our website. By using our website, you accept the Terms and Conditions in full. If you disagree with any of these Terms and Conditions or any part of these Terms and Conditions, you must not use our website. Please read all the Terms and Conditions carefully before using this website.

Licence to use website Trademarks and Copyrights
Unless otherwise stated, we or our licensors own the intellectual property rights in the website and material on the website. Nothing contained in the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of IndiaFirst Life Insurance Company Ltd. (hereinafter referred to as "IndiaFirst Life") or such third party that may own the trademarks displayed on this website. Any unauthorised use of the images displayed on the website may violate copyright laws, trademark laws, the laws of privacy and IRDAI advertising regulations and communications regulations and statutes.

Further, subject to the licence below, all the intellectual property rights in the website and material on the website are reserved. "You may view, download for caching purposes only, and print pages from the website for your own personal use only, subject to the restrictions set out below and elsewhere in these Terms and Conditions."
You shall not:

  • Republish material from this website (including republication on another website);
  • Sell, rent or sub-license material from the website;
  • Show any material from the website in public;
  • Reproduce, duplicate, copy or otherwise exploit material on our website for a commercial purpose;
  • Edit or otherwise modify any material on the website; or
  • Redistribute material from this website.

Acceptable use
You shall not use our website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful activity.

You shall not use our website to advertise or offer to make a sale (buying and/or selling) of goods or services in relation to our website or the company.

You shall not share, submit, reveal, post or publish on this website any proprietary or confidential information of a third party without our prior written consent.

You shall not conduct any contest through, on or in relation to our website without our prior written consent.

Downloading of material
IndiaFirst Life does not guarantee or warrant that files available for downloading through our website will be free of infection by software viruses or other harmful computer code, files or programs.

Restricted access
Access to certain areas of our website is restricted. We reserve the right to restrict access to other areas of our website, or indeed our whole website, at our sole discretion.

If we provide you with a user ID and password to enable you to access restricted areas of our website or other content or services, you must ensure that that your user ID and password is kept confidential.

We may disable your user ID and password in our sole discretion without notice or explanation.

User generated 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 our website, for whatever purpose.

Your user content must not be defamatory, vulgar, obscene, offensive, libellous, slanderous or illegal or unlawful in any way and must not infringe any third party's rights, and must not be capable of giving rise to legal action whether against you or us or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threat or actual legal proceedings or other similar complaint.

We reserve the right to edit or remove any material submitted to our website, or stored on our servers, or hosted or published upon our website without prior notice or explanation.

Notwithstanding our rights under these Terms and Conditions in relation to user content, we do not undertake to monitor the submission of such content to, or the publication of such content on, our website.

Limited warranties
We do not warrant the completeness or accuracy of the information published on this website; nor do we commit to ensuring that the website remains available or that the material on the website is kept up-to-date. We do not warrant that the functions contained on the website will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.

All the information and material on this website is provided on a "as is" basis. We do not warrant or make any representations (express or implied) regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, completeness, adequacy, reliability, or otherwise. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.

To the maximum extent permitted by applicable law we exclude all representations, warranties and conditions relating to this website and the use of this website (including, without limitation, any warranties implied by law of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill).

This website may be linked to other websites which are not maintained by IndiaFirst Life. IndiaFirst Life is not responsible for the content of those websites.

Limitations and exclusions of liability
While we have taken reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. We make no warranties or representations as to the correctness, accuracy, completeness, adequacy, reliability, or otherwise of the content of this website. Under no circumstances, including, but not limited to, negligence, shall IndiaFirst Life, or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect loss, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if IndiaFirst Life or our authorised representative has been advised of the possibility of such damages.

In no event shall IndiaFirst Life or its representatives or the employees or directors of IndiaFirst Life be liable to you for damages, losses, and causes of action, arising due to accessing this website. In no event shall IndiaFirst Life be liable for your defamatory, vulgar, obscene, offensive, libellous, slanderous act or other illegal or unlawful conduct.

We do not assume any responsibility, and are not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

We will not be liable to you in respect of any losses arising out of any event or events beyond our reasonable control.

Breaches of these Terms and Conditions
Without prejudice to our other rights under these Terms and Conditions, if you breach these Terms and Conditions in any way, we may take such action as we deem appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your Internet service provider to request that they block your access to the website and/or bringing legal proceedings against you.

Indemnification
You understand and agree that you are personally responsible and liable for your behaviour and your user content on the website. You agree to indemnify and hold IndiaFirst Life harmless and its affiliates from any claim, cost, expense, demand, judgement, award or other loss relating to your use of the website.

Variation
These Terms and Conditions may be revised at any time by updating this posting. Revised Terms and Conditions will apply to the use of our website from the date of the publication. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you are bound. We shall not be liable or be deemed to be liable for any delay in such updation of this posting.

Exclusion of third party rights
These Terms and Conditions are for your benefit, and are not intended to benefit any third party or be enforceable by any third party. The exercise of our and your rights in relation to these Terms and Conditions is not subject to the consent of any third party.

Entire agreement
These Terms and Conditions together with our Privacy Policy (which is also available on our website), constitute the entire agreement between you and us in relation to your use of our website, and supersedes all previous agreements in respect to your use of this website.

Jurisdiction
Our website is accessible worldwide. If you are not residing in India and you use our website, you are bound by the Terms and Conditions and specifically consent to the international transfer of information. Unless otherwise expressly set forth herein, we make no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Insurance is the subject matter of solicitation. Hence, except as specifically set forth herein, the information contained on this website is not an offer to sell or any security, insurance product or other product or service or to provide tax, legal or other advice. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

All disputes or differences arising from these Terms and Conditions or in connection with the use of our website shall be subject to Indian law and the exclusive jurisdiction of the Mumbai courts.

Privacy and ownership of information
Unless otherwise expressly set forth herein, any information, communication or material you transmit to this website including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will automatically become the property of IndiaFirst Life. By submitting and/or transmitting to this website any information, communication or material as mentioned above, you will be granting proprietary rights in such information, communication or material including but not limited to intellectual property rights under any relevant jurisdiction.

Such information, communication or material may be used (subject to our Privacy Policy) for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Furthermore, IndiaFirst Life is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

Software licenses
You acknowledge that any software available or provided to you on this website may contain that is subject to strict controls by various rules and regulations in India. You hereby agree that you will not transfer or export such software from India (including, for example, providing such software to any foreign person or entity in India) or re-export such software outside India in violation of Indian laws and regulations. IndiaFirst Life does not authorise the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by Indian laws and regulations.

Our details
This is the official website of IndiaFirst Life Insurance Company limited, having its Corporate Office at:
IndiaFirst Life Insurance Company Limited,
301, 'B' Wing, The Qube, Infinity Park,
Dindoshi - Film City Road, Malad (East), Mumbai - 400 097.
You may contact your financial advisor or insurance agent to obtain details on the products and services offered by IndiaFirst Life and their suitability to your needs.