Terms & Conditions

Terms and Conditions


We welcome you to our site and we want to make it as user friendly as possible. We provide this website to assist you to select your insurance provider. This website, www.easypolicy.com, is owned and operated by Sonnen Insurance Broking Services Pvt. Ltd.. By ‘You’ we refer to the users of this website.By using this website, you agree to the following terms and conditions so please read them carefully. We reserve the right to change/alter/modify these terms and conditions at any and we suggest that you periodically visit this page to review the most recent Terms & Conditions. The information and descriptions on the site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you. If you apply for any product or service detailed on the site, these Conditions of Use should be read in conjunction with any additional terms and conditions relating to that product or service and, in the event of any contradiction between these Conditions of Use and the specific product of service terms and conditions, the latter shall prevail.

Definition of Service


Easypolicy.com, provides users with information about General Insurance and Life Insurance products to enable comparison and procurement. You may submit your request to book your desired policy by filling in the required forms on the insurer’s website and/or on Easypolicy.com, and by making the payment online to the insurer. We assist you in completing your proposal (incl. forms, documents and medical tests, if any) and on verification of the same, provided there is no missing information, your proposal is underwritten by the insurance company. The insurance company then, may accept, reject or raise an objection on your proposal, which will be communicated to you by them. It is Easypolicy’s endeavour to have every booked policy issued; however we cannot guarantee the same. Easypolicy will, in case of an objection or rejection, assist you in complying with or reapplying to another insurance company as the case may permit.

Fees and Charges


Easypolicy offers a FREE service and charges NO FEES OR CHARGES from it’s users.

Limitations to Service


Our website contains statements regarding the terms of insurance policies, including details of the benefits available and items not covered by such policies. Some of these statements are generalised in an attempt to give you a summary of the insurance policies available through easypolicy.com. However, not all insurance policies are the same and you should confirm the exact terms of any insurance policy that you intend to purchase prior to purchasing that insurance policy. The product information supplied on the website is available only to Indian citizens. Except as otherwise expressly permitted in writing by us, no materials from this website or any website owned, operated, licensed or controlled by us may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. You may download material displayed on this website for your use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for public or commercial purposes, including the text, images, audio, and video without our written permission.
The rates mentioned on the website may not be final and binding. In some cases, the insurance company may communicate the final rates aftersubmission of the given premium and documentation. Further, the rates mentioned on the website are as provided or verified by insurance companies. The rates are subject to change at any time and we take no responsibility of any losses in such cases. Please note that service tax is payable on insurance premium as per applicable laws and all your quoted premium includes the same. The insurance company reserves the right to recover from the policyholder or proposer, any levies and duties (including service tax), as imposed by the government, either by premium adjustment or other forms, as deemed appropriate. Kindly refer to the proposal for the exact fees and charges.

Refund Policy


In case you are dissatisfied with the services provided by either Easypolicy.com or the insurance company, please email the insurer on the email ID mentioned in the payment confirmation email. Your refund will be processed by the insurance company as per their respective refund policies. In such cases, you will be required to communicate with them directly, although we may assist you in the process.

Claim Settlement


Claim settlement is the sole responsibility and at the discretion of the insurance companies, regulated by IRDA. The settlement will take place between the customers and the respective insurance company and Easypolicy shall not be responsible for the same in any manner. Although we may assist you in forwarding the case to the insurance company, we shall not be liable to any party involved in case the claim is declined, or honoured.

Links to other websites & Third Party information


Claim settlement is the sole responsibility and at the discretion of the insurance companies, regulated by IRDA. The settlement will take place between the customers and the respective insurance company and Easypolicy shall not be responsible for the same in any manner. Although we may assist you in forwarding the case to the insurance company, we shall not be liable to any party involved in case the claim is declined, or honoured.

Trademarks & Copyright


All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of Easypolicy. Any logos, trade-marks, service marks and domain names and all related intellectual property rights, of the companies whose sites we search in providing the service, belong to those companies, and you may not reproduce them without their prior written consent. Except for them, all intellectual property rights including, without limitation, all logos, trademarks, service marks, domain names, database rights, rights in design, rights in know-how, patents and rights in inventions (in all cases whether registered or unregistered and including all rights to apply for registration) and all other intellectual or industrial property rights in any jurisdiction in any information, content, materials, data or processes contained in or underlying this website and/or the service we provide belong to Easypolicy. All rights of Easypolicy in such intellectual property rights are hereby reserved.

Software licenses


You acknowledge that any software available or provided to you on this website may contain technology 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. Easypolicy 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.

Limitation of Liability


While Easypolicy uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. Easypolicy makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall Easypolicy or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if we or an our authorised representative has been advised of the possibility of such damages. In no event shall Easypolicy's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. We have the right to add, amend, revise suspend or cancel in whole or in part any of the services which are, or may become, part of the Website, without any prior notice to the Visitors or Customers. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers. We also assume no responsibility, and shall 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.

Jurisdiction /Legal


Unless specifically provided herein, Easypolicy does not represent that the material contained herein is appropriate or available for use in any jurisdiction. Those who choose to access this website do so at their own initiative and are responsible for compliance with local laws.
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. 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 shall be subject to the exclusive jurisdiction of New Delhi courts only.

Disclaimer


TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND EASYPOLICY AND ITS SUBSIDIARIES AND AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. The information, software, contents, products and services included in or available through our website (www.easypolicy.com) may include inaccuracies, typographical errors and pricing errors. We assume no responsibility for any error, omission, interruption, deletion, corruption, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any User communication or any content provided through the Website. Easypolicy is not responsible for any problems or technical malfunction of any telephone network or lines, electronic networks, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on any of the services or combination thereof, including any injury or damage to users or to any person's computer related to or resulting from participation or downloading materials in connection with the Website or the services. Under no circumstances shall Easypolicy. be responsible for any loss or damage resulting from use of the website or the services, attendance at an event organised through the website or the services, from any content posted on or through the website or the services, or from the conduct of any users of the website or the services, whether online or offline. The services are provided "AS-IS" and as available and Easypolicy makes no representations or warranties of any kind as to the website, the services or the content thereof, including without limitation, as to availability of the website and/ or services for access and use. In particular, Easypolicy expressly disclaims all warranties of fitness for a particular purpose, accuracy, completeness or non-infringement. We cannot guarantee and does not promise any specific results from use of the website and the services.
Insurance is the subject matter of solicitation.
www.sonneninsurance.com
Sonnen Insurance Broking Services (Lic. No. DB282/04)