1. Introduction

The website at https://www.insurancebytes.in/ (“Website“) is owned and operated by Insurance Bytes, registered under MSME(UDYAM Registration No. UDYAM-UP-29-0098880) , enterprise incorporated in India (“We“, “Us” and/or “Our“). These terms and conditions (“Agreement” and/or “Terms“) are applicable to the use of the Website by you (“Customer“, “You” and/or “Your“).

We reserve the right, at Our sole discretion, to change or modify whole/portions of these Terms at any time. If We do this, We will post the changes on this page or a prominent portion of the Website and will indicate in a reasonable manner the date these Terms were last revised. Any such changes will become effective at least 7 days after they are posted, except that certain category of modifications may be effective immediately as provided in more detail under “Modification of this Agreement” below. Your continued use of the Service after the date on which any such changes become effective constitutes Your acceptance of the modified Terms.

The Website provides the ability to view the list of insurance services for which advisory is offered by Insurance Bytes for various insurance policies offered by Insurers (as defined below). Insurance policies are subject to the Insurer’s terms and conditions as specified by the Insurer for such insurance policies. Additionally, certain actions and links on the Website may take You to a third party’s website or service, such as an Insurer’s website. Such third-party websites are subject to their own terms and conditions, and privacy policies. You are responsible for reading and understanding the terms and conditions of third parties, Insurers, and insurance policies.

The following, as updated from time to time, apply to your interactions with the Website or Service, and are incorporated herein by reference:

(i) Privacy Policy. The collection, use, storage, processing, transfer, and deletion, of Your personal information is governed by Our Privacy Policy.

(ii) Disclaimers. The Disclaimers specify additional information that You must be aware of, in order to undertake any activity on this Website.

By undertaking any or all of the following actions You indicate Your acceptance of these Terms:

(I) explicitly accepting these Terms such as by ticking a checkbox;

(II) accessing the Website;

(III) creating an account on the Website;

(IV) accessing an account on the Website; and/or

(V) undertaking any other action that involves interacting with the Service.

You warrant that You possess the legal authority to accept these Terms and thereby enter into an agreement with Insurance Bytes under the applicable laws and to use the Website and Service(s) in accordance with all terms and conditions herein.

2. Definitions

1.      “Affiliate(s)” means any entity that directly or indirectly controls, is controlled by, or is under common control with the subject entity. “Control,” for purposes of this definition, means direct or indirect ownership or control of more than 50% of the voting interests of the subject entity.

2.      “Agreement” means this Terms and Conditions agreement.

3.      “Customer“, “You” and/or “Your” have the meaning assigned to them above.

4.      “Enterprise“, “We“, “Us” and/or “Our” means Insurance Bytes, registered under Ministry of Micro, Small and Medium Enterprises under UDYAM registration no. UDYAM-UP-29-0098880 , incorporated in India.

5.      “Insurer” means Insurance company that provides insurance policies and is regulated by the IRDAI.

6.      “Related parties” means agents, corporate agents, brokers of the Insurer.

7.      “IRDAI” means the Insurance Regulatory and Development Authority of India.

8.      “Service” means the Website; Your interactions with the Website; responses generated by the Website; and all actions undertaken in pursuance of Your interactions with the Website.

9.      “Terms” means this Terms and Conditions agreement.

10.   “User” means a person visiting and interacting with the Website or Service.

11.   “Website” means the website at https://www.insurancebytes.in/.

3. Access and Use of Service

1.      Age and Competence. The Service is not intended for anyone under 18 years of age. You affirm that You are more than 18 years of age and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms.

2.      Usage Limits. Insurance Bytes may place reasonable technical or non-technical limitations on the use of the Service by Customer, regardless of whether or not such limitations are communicated to Customer, including but not limited to allocation of bandwidth, computing power, number of requests that may be made in any specific duration of time, or any other limitation.

3.      Service Availability. We will do our utmost to ensure that availability of the Website will be uninterrupted and that transmissions will be error-free. However, due to the nature of the Internet, this cannot be guaranteed. Additionally, your access to the Website may be occasionally suspended or restricted to allow for repairs, maintenance, or the introduction of new facilities or services at any time without prior notice.

4.      Reviews, Comments, Communications and Feedback. The Website may include functionality that allows You to post reviews, comments and other content; send communications; and submit suggestions, ideas, comments, questions or other information, as long as the content does not violate these Terms or any applicable law(s). In particular, all such content must abide by Your responsibilities under “Legality of Your Use” below. You agree to grant licenses in accordance with “License by Customer” below. You represent and warrant that You own or otherwise control all of the rights to the content that You post or that You otherwise provide on or through the Website or Service; that the content or material is accurate; and that use of the content and material does not breach these Terms and any applicable policies.

5.      Accounts. You may be required to create an account in order to access and use certain features of the Service. If You choose to create such account, You agree to provide and maintain true, accurate, current and complete information about You. You are responsible for maintaining the confidentiality of Your password and responsible for any activity that occurs under Your account. You agree to immediately notify Insurance Bytes of any unauthorized use of Your password or account or any other breach of security. You must not share or sell Your account, or otherwise provide access to Your account to any third party.

6.      Legality of Your Use. The Website may allow You to transmit or publish information such as by posting reviews and providing feedback. Insurance Bytes may remove any information in violation of this clause at any time without prior notification and without assigning any reason. You shall be the sole responsible party to ensure that Your use of the Website and Service complies with all applicable laws, and third-party privacy and intellectual property rights. In particular, You shall not host, display, upload, modify, publish, transmit, update or share any information that:

a. belongs to another person and to which You do not have any right;

b. is defamatory, obscene, pornographic, podophilic, invasive of another’s privacy, including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force;

c. is harmful to child;

d. infringes any patent, trademark, copyright or other proprietary rights;

e. violates any law for the time being in force;

f. 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;

g. impersonates another person;

h. threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting other nation;

i. contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; or

j. 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.

7.      Misuse of Services. You must not misuse the Website or Service by interfering with their normal operation or attempting to access them using a method other than through the interfaces and instructions provided by Insurance Bytes. You must not attempt to gain unauthorized access to the Website or Service or content or their related systems or networks. You must not attempt, permit or undertake direct or indirect access to or use of the Website or Service or content in a way that circumvents a contractual usage limit, or use the Website or Service to access or use any of Insurance Bytes intellectual property except as permitted under these Terms.

8.      Abusive or Excessive Use. You must not take any action or otherwise engage in (i) imposing an unreasonable or disproportionately large load on the Service of the infrastructure of the Service; and/or (ii) abusive or excessive usage of the Services or the infrastructure of the Services, which is usage significantly in excess of average usage patterns that adversely affects the speed, responsiveness, stability, availability, or functionality of the Services for other users.

9.      Information Extraction. You shall not, without explicit prior written authorization from Insurance Bytes specifically permitting such an action, perform reverse look-up, trace or seek to trace any information on any other Customer of Website, including any account on the Website not owned by You, to its source, or exploit the Website or any service or information made available or offered by or through the Website, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Website.

10.   Fraudulent or unlawful behaviour. You agree to not use the Service for fraudulent purposes, or in connection with criminal offense or other unlawful activity. Insurance Bytes reserves the right to undertake any civil or criminal action for breach of this clause.

11.   Scanning for Vulnerabilities. You agree to not probe, scan or test the vulnerability of any Insurance Bytes system or network without explicit prior written authorization by Insurance Bytes.

12.   No Reverse Engineering. You agree to not encourage, assist or authorize any other person to copy, modify, reverse engineer, decompile or disassemble, or otherwise tamper with, the Website, whether in whole or in part, or create any derivative works from or of the Website.

13.   Compliance with the Terms. You shall be the sole responsible party for Your compliance with these Terms.

4. Insurance Policies

1.      Accuracy of Information. The Website provides the ability to view and compare Insurance Policies from multiple Insurers based on criteria provided by You. The information provided to You on the Website is based on information that is provided to Us by Insurers. While we make efforts to ensure that the information is accurate and up to date, We shall not be liable for any discrepancy in any information provided on the Website. You are responsible for reading, reviewing, and understanding, all terms, conditions, and details, of the insurance policy that is offered to You by an Insurer.

2.      Prices and Offers. Prices and offers listed on the Website are tentatively provided and are not the exact amount for any of the listed insurance policy. The prices applicable for You may differ from the prices shown on the Website. Insurers may decide at their sole discretion to request additional information, medical check-ups, or proofs of information provided by You. Insurers may decide, at their sole discretion, to offer a price to You that differs from the approximate or tentative price displayed on the Website. You may, at Your sole discretion, accept the price at which the Insurer offers any insurance policy to You, or You may reject their offer without purchasing the insurance policy.

3.      Completion of Purchase. In certain circumstances We may, but We shall have no obligation to, contact You to aid You in the process of purchasing insurance policies, such as when relevant documents have not been provided by You, when You have viewed insurance policies but not purchased an insurance policy, or to aid in the process of issuance of the insurance policy.

4.      Cancellation and Refunds. We encourage all our customers to read the insurance policy document carefully and avail the free look facility in case the term and conditions of the insurance policy document don’t match your insurance requirements.

Life Insurance: As per the IRDAI rules and regulations, you have the right to cancel your insurance policy within 30(thirty) 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. Further, you understand that once you place a cancellation request within the Free look period, the policy gets cancelled and 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.

Health Insurance: All new individual health insurance policies issued by Life Insurers, General Insurers and Health Insurers, except those with tenure of less than a year shall have a free look period. As per the IRDAI 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. Further, you understand that once you place a cancellation request within the Free look period, the policy gets cancelled and 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 ) Risk Charges for the period the policy was in force. Please note such deduction is at the sole discretion of the insurer.

The cancellation of other than Life and Health Policies will be at the sole discretion of the Insurance Company.

5.      Insurance Claims. You understand that Insurance Bytes is not a party to the agreement between You and the Insurer for the insurance policy purchased by You. Insurance Bytes merely facilitates the discovery of insurance policies by You. All claims under your insurance policies must be submitted directly to the Insurer. Insurance Bytes does not provide any service for processing of insurance claims.

5. Intellectual Property Rights

1.      Reservation of Rights. Subject to the limited rights expressly granted hereunder, Insurance Bytes, Insurers, their respective Affiliates, their respective licensors, and content providers, reserve all of their rights, titles and interests in and to the Website, Service, content, logos, and other materials created by them, including all of their related intellectual property rights. Insurance Bytes owns all right, title, and interest in and to Insurance Bytes registered and unregistered, domestic and foreign, trademarks, service marks, trademark applications, service mark applications, trade names, patents, patent applications, copyrights, copyright applications, designs, discoveries, know-how and trade secrets of and relating to the Services, and all other intellectual property rights. No one may copy, reproduce, transmit, post, distribute or create derivative works from the Website or Services without express prior written authorization from Insurance Bytes. No rights are granted to You hereunder other than as expressly set forth herein.

2.      Copyright, authors’ rights and database rights. All content included on the Website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Insurance Bytes, its Affiliates or its content suppliers and is protected by Indian and international copyright, authors’ rights and database right laws. The compilation of all content on this website is the exclusive property of Insurance Bytes and its Affiliates and is protected by laws of India and international copyright and database right laws. All software used on this website is the property of Insurance Bytes, its affiliates or its software suppliers and is protected by India and international copyright and authors’ rights laws.

3.      License by Insurance Bytes. Subject to Your compliance with these Terms, Insurance Bytes grants a limited license to access and make personal use of the Website for the purposes specified in these Terms.

4.      Restrictions on License by Insurance Bytes. Unless explicitly permitted otherwise by Insurance Bytes, You shall not sell, resell, license, sublicense, distribute, make available, rent or lease the Website, Service or any content, or their derivatives. You may not frame or mirror any part of the Website. Without express written consent from Insurance Bytes, You shall not: (i) download (other than page caching) or modify the Website, or any portion of it; (ii) use any meta tags or any other hidden text utilizing Insurance Bytes or its Affiliates’ names or trademarks; (iii) use any data mining, robots, or similar data gathering or extraction tools; (iv) otherwise download, copy or modify any information from the Website, or Service or any portion of the Website or Service; and/or (v) create and/or publish Your own database that features substantial parts of this Website, including prices and product listings.

5.      License by Customer. Customer grants to Insurance Bytes and its Affiliates and sublicensees a non-exclusive, royalty-free, irrevocable, perpetual, worldwide and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display any content or information provided by You under “Reviews, Comments, Communications and Feedback” above throughout the world in any media, and the right to use the name provided by You in connection with such content, if You choose. You agree to waive Your right to be identified as the author of such content and Your right to object to derogatory treatment of such content. You agree to perform all further acts necessary to protect any of the above rights granted by You, including execution of deeds and documents at Insurance Bytes request. Insurance Bytes may, but shall have no obligation to, use feedback provided by You to improve the Website or Service without notice and without any attribution.

6. Modifications

1.      Modification of this Agreement. This Agreement may be modified by Insurance Bytes from time to time. If We do this, We will post the modified Terms on this page and will indicate the date these Terms were last updated. Any such modifications will become effective no earlier than seven (7) days after they are posted, except that the following categories of modifications may be made effective immediately: (i) modifications required to provide new features without negatively affecting your rights under these Terms; (ii) modifications made to correct typographical errors; and/or (iii) modifications made to comply with legal obligations, including but not limited to Our or Your obligations under a law, regulation, court order or government order. You shall be responsible to review the Agreement from time to time in order to be aware of any such modifications to these Terms. We may, for convenience only and without waiving Your obligation to periodically review the Agreement, attempt to notify You of significant modifications to this Agreement through the Website user interface, in an email notification, or through other reasonable means. You understand and agree that Your continued access, registration or use of the Website or Service beyond the effective date of such modification shall be deemed to be Your acceptance of all modifications to the Agreement.

2.      Modification of Website or Service. Insurance Bytes may, at any time and without prior notice, introduce new features, remove or stop offering old features, or modify existing features of the Website or Service. Insurance Bytes may modify any content on the Website at any time without prior notice. Insurance Bytes reserves the right to charge a fee to access any new or existing feature or service.

7. Privacy

1.      We view protection of Your privacy as a particularly important principle. We understand clearly that You and Your Personal Information is one of Our most important assets. We retain Information that is required to receive insurance policy quotes only as long as necessary to transmit that information to relevant Insurers and receive relevant information regarding Insurance Policies from such Insurers. We store and process Your Information including any sensitive personal information collected (as defined under the Information Technology Act, 2000), if any, on computers that may be protected by physical as well as reasonable technological security measures and procedures in accordance with Information Technology Act 2000 and Rules thereunder. Our current Privacy Policy is available at the link specified in the website. If You object to Your Information being transferred or used in this way please do not use this Website.

2.      We and Our Affiliates will share/sell/transfer/license/covey some or all of your personal information with another business entity should we (or our assets) plan to merge with or are acquired by that business entity, or re-organization, amalgamation, restructuring of business or for any other reason whatsoever. Once you provide your information to Us, We, our Affiliates and the Insurers may use such information to provide you various service with respect to your transaction whether such transaction are conducted on the Website or on the Insurer’s website.

8. Disclaimers and Limitation of Liability

1.      Customer Disclaimer. You acknowledge and undertake that You are accessing the Website and interacting with or transacting on the Website or Service at your own risk, and that You shall read and understand all documents and agreements carefully, and shall at all time use Your best and prudent judgment before undertaking any action on the Website or Service, as well as before purchasing any insurance policy. Some Insurance product will be subject to market risks.

2.      Disclaimer regarding Insurers. Insurance Bytes shall neither be liable nor responsible for any of the following: (i) actions or inactions of any Insurer or any other third party including but not limited to delay in issuance or refusal to issue any insurance policy, delay in providing or refusal to provide any insurance claim amount, change in amount quoted for any insurance policy, change in any requirement for any insurance policy, or requirement to provide any additional information or proof to the Insurer; (ii) any breach of conditions, representations, or warranties, by any Insurer; (iii) any action or inaction of the government, the IRDAI, a court or tribunal; (iv) any false, incomplete, inaccurate, or outdated information provided by You; and/or (v) Your failure to make any payment on time. Insurance Bytes hereby expressly disclaims any and all responsibility and liability with regard to the above. Insurance Bytes shall not be responsible for mediating or resolving any dispute or disagreement between You and any Insurer. All disputes and policy claims must be resolved directly between You and the relevant Insurer.

3.      Warranty Disclaimers. To the maximum extent permitted by applicable law(s), the Website and Service are provided by Insurance Bytes on an “AS IS” and “AS AVAILABLE” basis. Insurance Bytes makes no representations or warranties of any kind, express or implied, as to the operation of the Website or Service or the information, content, materials, or products included on the Website or Service. You expressly agree that Your use of the Website and Service are at Your sole risk. To the maximum extent permissible by applicable law, Insurance Bytes disclaims all warranties or representations, express or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, quality, suitability, accuracy, reliability, completeness, timeliness, performance, safety or legality of the products listed or displayed or transacted or the content (including product or pricing information and/or specifications on the Website. While We have taken precautions to avoid inaccuracies in content, this Website, all content, information (including the price of products), software, products, services and related graphics are provided as is, without warranty of any kind. Insurance Bytes does not warrant that the Website or Service, its servers, or e-mails sent from Insurance Bytes are free of viruses or other harmful components. Insurance Bytes will not be liable for any damages of any kind arising from the use of the Website or Service, including but not limited to direct, indirect, incidental, punitive, and consequential damages. All Insurance Policies are sold by their respective Insurers, and are subject to the terms of such Insurance Policies as provided by the Insurer. All disputes regarding Insurance Policies must be resolved between You and the relevant Insurer.

4.      Limitation of Liability. If any warranty disclaimer above is prohibited by an applicable law, Insurance Bytes sole liability to You, and Your sole remedy against Insurance Bytes, shall be reperformance of the Service by Insurance Bytes. IN NO EVENT SHALL INSURANCE BYTES BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND IN CONNECTION WITH THESE TERMS OF USE, EVEN IF INSURANCE BYTES HAS BEEN INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

9. Indemnification

1.      Indemnification. You shall indemnify and hold harmless Insurance Bytes, its Affiliates and their respective officers, directors, agents and employees, from any claim or demand, or actions including reasonable attorney’s fees, made by any third party (including but not limited to Insurers), or penalty imposed due to or arising out of Your breach of these Terms or any document incorporated by reference, or Your violation of any law, rules, regulations or rights of a third party.

2.      Release. You hereby expressly release Insurance Bytes and/or its Affiliates and/or any of its officers and representatives from any cost, damage, liability, loss (including loss of profits, revenue, contracts, anticipated savings, data, goodwill or wasted expenditure or any other direct or indirect or consequential loss) or other consequence of: (i) any of the actions or inactions of Insurers; and/or (ii) any action or inaction of Insurance Bytes. You specifically waive any claims or demands that You may have in this behalf under any statute, contract, theory of law or otherwise. Under no circumstances shall Insurance Bytes be responsible for any business loss.

10. Third-Party Websites, Apps or Services

1.      Links to Third-Parties. The Website or Service may contain links to external third-party websites, apps or services, such as those provided by Insurers. Insurance Bytes provides generic information obtained from such third-parties. Insurance Bytes does not guarantee, approve or endorse the information or products available on such third-party websites, apps or services. You assume complete responsibility and risk in your use of any external website, app or service. You should direct any concerns regarding any external link to the relevant website’s, app’s or service’s administrator, owner or webmaster. You are hereby informed to exercise utmost caution when visiting any third-party website, app or service. Use of third party websites, apps or services may be subject to their terms and privacy policies. Insurance Bytes has no control over collection and se of your data, and other activities, performed by third parties.

2.      No Control Over Third-Parties. Insurance Bytes do not operate or control and have no responsibility for the information, products and/or services found on any external sites. Nor do We represent or endorse the accuracy or reliability of any information, products and/or services provided on or through any external sites, including, without limitation, warranties of any kind, either express or implied, warranties of title or non-infringement or implied warranties of merchantability or fitness for a particular purpose. You understand that Insurance Bytes does not control or modify the information that information that is provided to You regarding Insurance Policies. The information provided by Insurance Bytes or its owner depends upon the information provided by Insurers. Insurance Bytes shall not be liable in case of any discrepancy between information available on Insurance Bytes Website( www.insurancebytes.in ) and information available on Insurer’s website or platform, or other third-party websites or platforms. Insurance Bytes shall not be liable and shall not be responsible for any such discrepancy in any information. Insurer may, at its sole discretion, modify the price or other conditions applicable to any insurance policy shown to You at any time, including after a policy quote is shared to you by Insurance Bytes or its owner.

11. Term and Termination

1.      Term. This Agreement shall be effective as of the date of Customer’s acceptance or agreement to these Terms and shall continue to remain in force until the Agreement is terminated in accordance with the terms of this Agreement.

2.      Termination by Insurance Bytes. You agree that Insurance Bytes, in its sole discretion, may suspend or terminate Your account (or any part thereof) or this Agreement at any time without prior notice and without assigning any reason. Insurance Bytes may remove and discard any content within the Website or Service, for any reason, including, without limitation, for lack of use or if Insurance Bytes believes that you have violated or acted inconsistently with the letter or spirit of these Terms. Any suspected fraudulent, abusive or illegal activity that may be grounds for termination of your use of the Service, may be referred to appropriate law enforcement authorities.

3.      Effect of Termination. Upon termination of this Agreement, Customer shall be liable for any pending or unpaid fees, charges or payments for any Service provided to Customer under this Agreement.

4.      Surviving Provisions. Notwithstanding any other provision to the contrary herein, terms which by their nature survive termination or expiration of this Agreement, and in particular the following Sections shall survive the termination of the Agreement: Sections – 3.6 to 3.13, 4, 5.1, 5.2, 5.4, 5.5, 8, 9, 10, 11.3, 11.4, and 13.

12. Compliance with Laws

Customer and Insurance Bytes shall comply with all the applicable laws and the rules made thereunder that are applicable to them, including compliance with directions issued by the IRDAI.

13. General Clauses

1.      Severability. The parties agree that if any provision of this Agreement is held by a court of competent jurisdiction to be contrary to law or otherwise unenforceable, the parties will attempt in good faith to make the least changes necessary to such provision in order to restore the original intention or approximate the original intention behind such provision. If such modification is not possible, such provision will be deemed null and void, and the remaining provisions of this Agreement will remain in effect.

2.      Force Majeure. You understand that there may be an occurrence of an event or effect that cannot be reasonably anticipated or controlled, which even by the exercise of reasonable diligence cannot prevent non-performance, and in particular, performance of the Service or fulfilment of an obligation to You. These occurrences and events include, but are not limited to: acts of God; acts of government; acts of war; acts of public enemies; acts of terror; strikes or other labor problems; pandemic; epidemic; floods; fires; earthquakes; civil unrest; riots; explosions; outages; general Internet brown-outs or black-outs or shortage of bandwidth; hardware failures; hacking, denial of service or ransomware attacks; actions of the elements; or other causes beyond the control of Insurance Bytes in the performance of this Agreement. Upon the occurrence of such event or effect You agree to excuse performance under this Agreement and not hold Insurance Bytes liable for the delay in or failure of performance under this Agreement. Any such delay in or failure of performance shall not constitute default or give rise to any liability for damages.

3.      Assignment. You may not assign any of Your rights or obligations hereunder, whether by operation of law or otherwise, without Insurance Bytes prior written consent. Subject to regulatory approvals (if any required) Insurance Bytes may assign this Agreement in its entirety, without Your consent, to its Affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their respective successors and permitted assigns.

4.      Relationship between Parties. The parties to this Agreement are independent and nothing in this Agreement shall make them partners, employees, agents or other representatives of the other party hereto. Neither party shall make any representation that suggests otherwise.

5.      Governing Law and Jurisdiction. This Agreement shall be interpreted, construed and enforced in all respects in accordance with the laws of India without regard to any principles of conflicts of laws thereof. Both parties agree that the competent courts at Ghaziabad shall have the exclusive jurisdiction in case of any dispute arising between both the Parties.

6.      Waiver. No failure or delay by Insurance Bytes in exercising any right under this Agreement will constitute a waiver of that right.

7.      Interpretation. In this Agreement, the singular includes the plural and the plural the singular; words importing any gender include the other genders; references to statutes are to be construed as including all statutory provisions consolidating, amending or replacing the statute referred to; the word “or” shall be deemed to include “and/or”, the words “including”, “includes” and “include” shall be deemed to be followed by the words “without limitation”; references to articles, sections (or subdivisions of sections) or exhibits or schedules are to those of this Agreement; headings and sub-headings are for convenience only and do not affect the meaning of the relative section / clause; and references to agreements and other contractual instruments shall be deemed to include all subsequent amendments and other modifications to such instruments, but only to the extent such amendments and other modifications are not prohibited by the terms of this Agreement.

Contact Information. You may contact at contactinsurancebytes@gmail.com.