Legal And Admin Policies

PRIVACY POLICY

By using the website and/or registering yourself at Fetchmypolicy.com you authorize us, our affiliates & our associate partners to contact you via email or phone call and offer you their services for the product you have opted for, imparting product knowledge, offer promotional offers running on website & offers offered by the associated third parties, for which reasons, as well as web aggregation, personally identifiable information may be collected as detailed below. And Irrespective of the fact if also you have registered yourself under DNCL service, you still authorize us to give you a call from the Fetchmypolicy& associate partners for the above mentioned purposes till 45 days of your registration with us. This Privacy Policy covers Fetchmypolicy.com treatment of personally identifiable information that Fetchmypolicy collects when you are on the Fetchmypolicy site, and when you use Fetchmypolicy.com services. This policy also covers Fetchmypolicy.com treatment of any personally identifiable information that Fetchmypolicy.com business partners share with Fetchmypolicy. This policy does not apply to the practices of companies that Fetchmypolicy does not own or control or to people that Fetchmypolicy does not employ or manage. Fetchmypolicy collects personally identifiable information when you register for a Fetchmypolicy account, when you use certain Fetchmypolicy products or services, when you visit Fetchmypolicy pages, and when you enter promotions. Fetchmypolicy may also receive personally identifiable information from our business partners. When you register with Fetchmypolicy, we ask for your first name, last name, Province, email, birth date, and gender. Once you register with Fetchmypolicy and sign in to our services, you are not anonymous to us. Also during registration, you may be requested to register your Cell phone and email id, or other device to receive text messages, notifications, and other services to your wireless device. By registration you authorize us to send email alerts or call you for your login details and any other service requirements or some advertising messages/emails from us.

Information Sharing and Disclosure

Fetchmypolicy will not sell or rent your personally identifiable information to anyone other than as specifically noted herein. Notwithstanding the foregoing, Fetchmypolicy may share, sell and/or transfer your personally identifiable information to an affiliate and/or associate partner/business partner. Fetchmypolicy may also share, sell, and/or transfer your personally identifiable information to any successor-in-interest as a result of a sale of any part of Fetchmypolicy business or upon the merger, reorganization or consolidation of Fetchmypolicy with another entity on a basis that Fetchmypolicy is not the surviving entity. For the purposes of this paragraph, "affiliate" means any person directly, or indirectly through one or more intermediaries, that controls, is controlled by or is under common control with Fetchmypolicy. The term "control," as used in the immediately preceding sentence, shall mean with respect to any person, the possession, directly or indirectly, of the power, through the exercise of voting rights, contractual rights or otherwise, to direct or cause the direction of the management or policies of the controlled person. As used in this Privacy Policy, the term "person" includes any natural person, corporation, partnership, limited liability company, trust, unincorporated association or any other entity."If you are no longer interested in receiving e-mail announcements and other marketing information from us, or you want us to remove any PII that we have collected about you, please e-mail your request to custcare@fetchmypolicy.com with subject “ Unsubscribe”.

Third Party Advertising

We may use third-party advertising companies and/or ad agencies to serve ads when you visit our Web site. These companies may use information (excluding your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you."We use third-party service providers to serve ads on our behalf across the Internet and sometimes on this site. They may collect anonymous information about your visits to our website, and your interaction with our products and services. They may also use information about your visits to this and other websites to target advertisements for goods and services. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major websites. No personally identifiable information is collected or used in this process. They do not know the name, phone number, address, email address, or any personally identifying information about the user."

Legal

We strictly follow the norms of non disclosure and any agreement thereof. It is our endeavor to ensure that the websites linked to us are safe and secure. However we have no control over 3rd party websites. Given our legal responsibilities to legal authorities and regulators, there may be situations when we need to share your information with legal authorities or processes or need to protect our right or comply by terms and conditions.

Other sites

There might be affiliates or other sites linked to our web site. Personal information that you provide to those sites are not our property. The affiliated sites may have different privacy practices and we encourage you to read their privacy policies. These sites may place their cookies or other files on your computer, collect data or solicit personal information.

Privacy Policy Changes

Fetchmypolicy may amend this policy from time to time, at our discretion. If we make any substantial changes in the way we use your personal information we will notify you by posting the changes here on these Privacy Policy pages.

Disclaimer

Visitors to this website/portal and every third party is hereby informed that the owners of this website/portal, vizFetchmypolicy,arelicenced Insurance agents and representatives of the insurers, whose products are dealt with in this website/portal. Though endeavour is made to make correct policy/product comparisons, quotes, features, etc., based on the information provided by the insurers or its agents or intermediaries, it is made abundantly clear that FetchmypolicyInc ., its directors, shareholders, officers and employees and Fetchmypolicy.com are in no way responsible to or liable for any one for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision and will sit down with the licenced agent and make a decision only after a thorough Financial need analysis conducted. Not-withstanding anything mentioned before, we reserve the right to contact you via any mechanisms, not limited to email, sms, or phone calls, to solicit feedback of your experience and to provide any additional services that you would be eligible for, either as a customer or as a visitor. We are not liable for any damages occurring to you as part of feedback solicitation and additional service provision."We use cookies and other technologies such as pixel tags and clear gifs to store certain types of information each time you visit any page on our website. Cookies enable this website to recognize the information you have consented to give to this website and help us determine what portions of this website are most appropriate for your professional needs. We may also use cookies to serve advertising banners to you. These banners may be served by us or by a third party on our behalf. These cookies will not contain any personal information.""Whether you want your web browser to accept cookies or not is up to you. If you haven\'t changed your computer\'s settings, most likely your browser already accepts cookies. If you choose to decline cookies, you may not be able to fully experience all features of the website. You can also delete your browser cookies of disable them entirely. But this may significantly impact your experience with our website and may make parts of our website non functional or inaccessible. We recommend that you leave them turned on."

TERMS OF USE

Welcome to www.fetchmypolicy.com website (the "Site") operated byFetchmypolicy Inc. Fetchmypolicy provides its services to you subject to the following conditions. Before you may use the Site, you must read and accept all of the terms and conditions in, and linked to, this Terms of Use and the linked Privacy Policy.

We strongly recommend that, as you read this ToU, you also access and read the linked information, since it is incorporated into and hereby made part of this ToU. This ToU is effective upon acceptance. Use of any functionality of the Site constitutes acceptance of this ToU. If this ToU conflicts with any other documents, the ToU will control for the purposes of usage of the Site. If you do not agree to be bound by this ToU and the Privacy Policy, you may not use the Site in any way. Be sure to return to this page periodically to review the most current version of the ToU. We reserve the right, at any time, at our sole discretion, to change or otherwise modify the TOU without prior notice, and your continued access or use of this Site signifies your acceptance of the updated or modified TOU.

1. Description of Services:-

In the Site, Fetchmypolicy provides users with access to information primarily about Financial and Insurance products and services including but not restricted to Travel Insurance, Life Insurance products and related services (including but not limited to renewals) (the "Service"). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that Fetchmypolicy may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders etc.) and to fulfill your demand. You also agree that Fetchmypolicy reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone and/or sms. You agree to receive promotional materials and/or special offers from Fetchmypolicy through email or sms.

2. License and Site :-

Fetchmypolicy grants you a limited license to access and make personal use of the Site and the Service. This license does not include any downloading or copying of any kind of information for the benefit of another individual, vendor or any other third party; caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site uploading, posting, or transmitting any content that you do not have a right to make available (such as the intellectual property of another party); uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Fetchmypolicy's sole discretion) an unreasonable or disproportionately large load on Fetchmypolicy's infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools. You may not bypass any measures used by Fetchmypolicy to prevent or restrict access to the Site. Any unauthorized use by you shall terminate the permission or license granted to you by Fetchmypolicy. By using the Site you agree not to:-
(i) use this Site or its contents for any commercial purpose
(ii) make any speculative, false, or fraudulent transaction or any transaction in anticipation of demand
(iii) access, monitor or copy any content or information of this Site using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission
(iv) violate the restrictions in any robot exclusion headers on this Site or bypass or circumvent other measures employed to prevent or limit access to this Site
(v) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure
(vi) deep-link to any portion of this Site (including, without limitation, the purchase path for any service) for any purpose without our express written permission
(vii) "frame", "mirror" or otherwise incorporate any part of this Site into any other website without our prior written authorization.

3. Eligibility:-

The Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Fetchmypolicy for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring their accounts to another party. If you do not qualify, you may not use the Service or the Site.

4. Your Account:-

In consideration of your use of the Site, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of Canada or other applicable jurisdiction and will only use the Site to make legitimate purchases for you or for another person for whom you are legally authorized to act (and will inform such other persons about the ToU and/or Privacy Policy) that apply to the purchase you have made on their behalf (including all rules and restrictions applicable thereto). You also agree to provide true, accurate, current and complete information about yourself as prompted by the Site. If you provide any information that is untrue, inaccurate, not current or incomplete (or becomes untrue, inaccurate, not current or incomplete), or Fetchmypolicy has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Fetchmypolicy has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). If you use the Site, you are responsible for maintaining the confidentiality of your account and password, and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. Because of this, we strongly recommend that you exit from your account at the end of each session. You agree to notify Fetchmypolicy immediately of any unauthorized use of your account or any other breach of security. Fetchmypolicy reserves the right to refuse service, terminate accounts, or remove or edit content in its sole discretion. Notwithstanding the above, we retain the right at our sole discretion to deny access to anyone to the Site and the Services we offer, at any time and for any reason, including, but not limited to, for violation of the ToU or Privacy Policy. Additional terms and conditions will apply to your purchase of Services that you select. Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any service provider with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the service provider's rules and restrictions regarding use of products, and/or Services. You agree that any violation of any such service provider's rules and restrictions may result in cancellation of your purchase(s), in your being denied access to the applicable service(s), in your forfeiting any monies paid for such Services, and/or in our debiting your account for any costs we incur as a result of such violation.

5. Submitted Content:-

Fetchmypolicy does not claim ownership of any materials you make available through the Site. At Fetchmypolicy's sole discretion, such materials may be included in the Service in whole or in part or in a modified form. With respect to such materials you submit or make available for inclusion on the Site, you grant Fetchmypolicy a perpetual, irrevocable, non-terminable, worldwide, royalty-free and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works, and sublicense such materials or any part of such materials (as well as use the name that you submit in connection with such submitted content). You hereby represent, warrant and covenant that any materials you provide do not include anything (including, but not limited to, text, images, music or video) to which you do not have the full right to grant the license specified in this Section 4. We take no responsibility and assume no liability for any submitted content posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Site. If you do not agree to these terms and conditions, please do not provide us with any submitted content. You agree that you are fully responsible for the content you submit. You are prohibited from posting or transmitting to or from this Site:-
(i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law
(ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services)
(iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Site.

6. Disclaimer of Liability and Warranty:-

The Content, Products, and Services Published on this site may include inaccuracies or errors, Including Pricing errors. We do not guarantee the accuracy of , and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services we expressly reserves the right to correct any pricing errors on the site and/or on pending reservations made under an incorrect price. Fetchmypolicy makes no representation about the suitability of the information, Software, products, and services contained on this site for any purpose, and the inclusion or offering of any products or services on this site does not constitute any endorsement or recommendation of such products or services. All such information, software, products, and services are provided "AS IS" without warranty of any kind. Fetchmypolicy disclaims all warranties and conditions that this site, its services or any email sent from Fetchmypolicy, its affiliates, and/or their respective or associated service providers are free of viruses or other harmful components. Fetchmypolicy hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement. The service providers providing services on this site are independent affiliates and Fetchmypolicy are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such service providers or for any personal injuries, death, property damage, or other damages or expenses resulting therefore. Fetchmypolicy and its affiliates have no liability and will make no refund in the event of any delay, cancellation, strike, force majeure or other causes beyond their direct control, and they have no responsibility for any additional expense omissions delays or acts of any government or authority. In no event shall Fetchmypolicy and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way connected with, your access to, display of or use of this site or with the delay or inability to access, display or use this site (including, but not limited to, your reliance upon opinions appearing on this site; any computer viruses, information, software, linked sites, products, and services obtained through this site; or otherwise arising out of the access to, display of or use of this site) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Fetchmypolicy and/or its affiliates their respective service providers have been advised of the possibility of such damages

7. Disclaimer of Online Availability,Impressions, And Click-Throughs:-

In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.fetchmypolicy.com, its web pages, and any material, information, links, or content presented on the web pages at www.fetchmypolicy.com. Fetchmypolicy.com, its web pages, and any material, information, links, or content presented on the web pages at www.fetchmypolicy.com, may be unavailable for online access at anytime. Advertising sponsors and advertising,if any and if permitted, must be approved by Fetchmypolicy before the posting of any advertising material, information, links, content, banners, and graphics on www.fetchmypolicy.com. Fetchmypolicy reserves the right to accept or to reject any advertising sponsor or any advertising for any reason

8. License Disclaimer:-

Nothing on any Fetchmypolicy website shall be construed as conferring any license under any of Fetchmypolicy's or any third party's intellectual property rights, whether by estoppel, implication, or otherwise.

9. Limitation of Liability:-

You expressly understand and agree that Fetchmypolicy and its subsidiaries, affiliates, officers, employees, agents, partners and licensors shall not be liable to you for any direct, indirect, incidental, special, consequntial or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Fetchmypolicy has been advised of the possibility of such damages), resulting from use of the site, content or any related services. If, despite the limitation above, Fetchmypolicy or its Affiliates are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of Fetchmypolicy and/or Its Affiliates will in no event exceed, in the aggregate, the greater of
(a) the service fees you paid to Fetchmypolicy in connection with such transaction(s) on this Site, or
(b) one dollar ($1) The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these terms is found to have failed of its essential purpose. The limitations of liability provided in these terms inure to the benefit of Fetchmypolicy, Its affiliates, and/or their respective service providers.

10. Indemnity:-

You agree to indemnify and hold Fetchmypolicy (and its officers, directors, agents, subsidiaries, joint ventures, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this ToU, your violation of any law or the rights of a third party, or your use of the Site.

11. Electronic Communication:-

11. Electronic Communication:- When you use the Site or send emails to Fetchmypolicy, you are communicating with Fetchmypolicy electronically. You consent to receive communications from Fetchmypolicy electronically. Fetchmypolicy may communicate with you by email or by posting notices on the Site or by phone or usually available means of communication. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

12. Site-Provided Email and Postings:-

The Site may provide users with the ability to send email messages to other users and non-users and to post messages on the Site. Fetchmypolicy is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Fetchmypolicy may from time to time monitor the Postings on the Site and may decline to accept and/or remove any email or Postings. You understand and agree that you shall not to use any functionality provided by the Site to post content or initiate communications that contain:
(i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, province, national or international law
(ii) Advertisements or solicitations of any kind
(iii) Impersonate others or provide any kind of false information
(iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.
(v) Messages by non-spokesperson employees of Fetchmypolicy purporting to speak on behalf of Fetchmypolicy or containing confidential information or expressing opinions concerning Fetchmypolicy
(vi) Messages that offer unauthorized downloads of any copyrighted or private information
(vii) Multiple messages placed within individual folders by the same user restating the same point
(viii) Chain letters of any kind
(ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message. This prohibition includes but is not limited to:-
a) Using Fetchmypolicy to send messages to people who don't know you or who are unlikely to recognize you as a known contact;
b) Using Fetchmypolicy to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission;
c) Sending messages to distribution lists, newsgroup aliases, or group aliases.

13. Links:-

The Site or third parties may provide links to other World Wide Web sites or resources. Because Fetchmypolicy has no control over such sites and resources, you acknowledge and agree that Fetchmypolicy is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that Fetchmypolicy shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

14. Access To Password Protected/Secure Areas:-

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

15. Modification and Notification of Changes:-

Fetchmypolicy reserves the right to make changes to the Site, related policies and agreements, this ToU and the Privacy Policy at any time. If Fetchmypolicy makes a material modification to this ToU, it may notify you by: (i) displaying a prominent announcement above the text of this ToU or the Privacy Policy, as appropriate, for thirty (30) days, being deemed sufficient notification, of such changes. After notice of a modification to the ToU or the Privacy Policy has been posted for 30 days, the notice will be removed. If you have not used the Site for more than 30 days, you should check the ToU and/or Privacy Policy prior to any further use of the Site. Should you wish to terminate your account due to a modification to the TOU or the Privacy Policy, you may do so by sending an email with the subject line "Termination" to the following email address: custcare@fetchmypolicy.com. If you choose to continue using the Site, you agree that by doing so you will be deemed to accept the new ToU or Privacy Policy, as relevant.

16. Trademarks:-

16. Trademarks:- The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Fetchmypolicy and other associated parties and service providers. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Fetchmypolicy or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

17. Survival of Terms After Agreement Ends:-

Notwithstanding any other provisions of this ToU, or any general legal principles to the contrary, any provision of this ToU that imposes or contemplates continuing obligations on a party will survive the expiration or termination of this ToU.

DISCLAIMER

Fetchmypolicy intends to provide clear and unbiased information about insurance products and services. 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.
There is no intention or purpose of violating any intellectual property or ancillary rights. All information provided on the portal Fetchmypolicy is subject to it’s discretion and is likely to change without any notice. Though, any changes in public utility will be communicated on our portal.
Although we have tried to maintain high standards in quality, clarity and accuracy of the material posted on the portal.Fetchmypolicy is not legally responsible for the same in any manner what so ever.
Employees, partners and associated staff of Fetchmypolicy are not accountable for any loss, harm or damage that occurs or may occur or arise from the usage of information from the portal. Customers are advised to use their own discretion in such matters.
It is important to understand that insurance is a subject matter of solicitation and market risks. It is the responsibility of the customer to understand the limitations of insurance policies and the risks involved, and under no circumstance, form or manner, do we take any liability in such cases. We also recommend you to please read the subject and offer documents carefully. The information provided on the portal is for financial and insurance purposes.
It is a mutual understanding between us and the customers that their association with the portal will be at the customer's sole discretion and risk. The website is just for quotation. The customers are advised to seek licensed agents advise and make a thorough decision after a Financial Need analysis has been completed by the agents.
Visitors to this website/portal and every third party is hereby informed that the owners of this website/portal, viz., Fetchmypolicy, are the licenced agents and representatives of the respective insurers. Though endeavour is made to make correct policy/product comparisons, quotes, features, etc., based on the information provided by the insurers, it is made abundantly clear that FetchmypolicyInc , its directors, shareholders, officers and employees and Fetchmypolicy.com are in no way responsible to or liable for any one for his/her investment decision, and every prospect/ investor/policyholder shall be solely responsible for the consequences of his/her decision.

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