Terms and Conditions for INDmoney Health Top Up Plan

1. INDmoney Health Top-up insurance is a type of group health top-up health insurance coverage ('Policy’) having a tenure of one year as provided by the Company to eligible users at zero cost. The certificate of insurance shall be issued by Insurance Company as a Group product where FIAPL is merely acting as Group Manager. This Program is nowhere to be considered as a solicitation or invitation to avail any services on INDmoney Platform or from FIAPL. NOTWITHSTANDING ANYTHING TO THE CONTRARY, THE INSURANCE TENURE AS CONTEMPLATED UNDER CERTIFICATE OF INSURANCE SHALL BE NON-RENEWABLE AND THAT THE YOU SHALL NOT BE ABLE TO AVAIL ANY INSURANCE COVERAGE / CLAIMS BEYOND THE DURATION COVERED UNDER THE SAID CERTIFICATE OF INSURANCE ISSUED TO YOU.
2. The insurance coverage provided under this Program shall be subject to the terms and conditions of the Policy / policy wordings of the Insurance Company. You acknowledge that the insurance coverage has limitations, exclusions, and deductibles as specified in the Policy and that you have made yourself familiar and satisfied with the said limitations, exclusions, and deductibles as contemplated under the Policy / Policy wordings. Company strongly recommends that the You must go through the Policy wordings which contains detailed terms and conditions including the coverage and exclusions pertaining to the Policy offered before participating in the Program. The Policy wording, Insurance Company conditions and/or policies (‘Insurance Documents’) shall be binding and govern any and all aspects of insurance coverage and claims arising thereto. By accepting these T&Cs, you hereby unconditionally and irrevocably accept the Insurance Documents and acknowledge that, the your insurance contract is with the Insurance Company and the same shall be covered by governed by the said Insurance Documents.
3. The Company reserves the right to determine the specific criteria for selecting users eligible for the Program. The decision to offer health top-up insurance is solely at the discretion of the Company. The Company is under no obligation to offer the Program to all users and may choose to limit the availability based on its own assessment. Company at its sole discretion, reserves the right to either temporarily or permanently, withdraw or suspend the Program or amend these terms and conditions at any time without giving any notice or assigning any reason for the same., whether in respect of one or more users.
4. You hereby represents, warrants and covenants that (a) You are a citizen and resident of India; (b) You are competent to enter into contract, having sound mind and that You are entering into this contract on Your own wilful accord; (c) you are in good-health including your BMI is within the acceptable Insurance limits of 35 or less and that you have no pre-existing disease and/or existing and/or past medical history; (d).Your age is between (18-60). You hereby undertake, warrants and covenant that, You shall keep all your information updated, true, correct and accurate. You shall keep Company and Insurance Company updated of any change in your personal information (including your phone number, communication address, permanent address etc.)
5. You understand, acknowledge, agrees and grant permission to Company to share your information with the Insurance Company including your name, address, date of birth, details of your base policy, medical history etc., to enable Insurance Company to process certificate of insurance for you and to its group companies, to enable you to be avail appropriate products / services offered by them.
6. You hereby understand that it is your responsibility to share the accurate information and the same information will form part of your policy document. You further agree that your claim might get repudiated by the Insurance Company in case the details as submitted by you differ from your KYC documents and neither Company nor Insurance Company shall be held liable for the same.
7. The Company/Insurance Company reserves the right to revoke this offer if you fail to submit any information or if it becomes apparent that any or all the information as provided by you is false or inaccurate. In the event that an offer has already been made, the same shall stand null and void as soon as the Company learns that the information is inaccurate. Additionally, you shall be responsible for any losses the Company suffers as a result of your failure to disclose information or erroneous information. You hereby agree to promptly notify Company/Insurance Company in case of any change in previously provided information. In case You notify the Company about the change, the same will be routed to Insurance Company and your details shall be amended by the Insurance Company only. You agree to cooperate with the Company in submitting such documents pertaining to the change of your information as may be requested by the Insurance Company from time to time. You understand and acknowledge that the Company has no authority to alter any of your details on the certificate of insurance, all the changes/requested shall be processed as per the internal policy(ies) of the Insurance Company.
8. You understand and acknowledge that the Company shall merely be acting as a facilitator in handling the grievance of the users / assist in settling claims of the user by coordinating with Insurance Company. Further, You acknowledge, understand and agree that final decision on claim settlement or grievance resolution solely rests with the insurance Company, and the Company is not responsible for claim denials or any delays.
9. Miscellaneous
   BY OFFERING THE INDMONEY HEALTH TOP-UP INSURANCE OR RUNNING THIS PROGRAM, COMPANY NO WAY CLAIMS TO HOLD INSURANCE LICENSE OR INSURANCE INTERMEDIARY LICENSE SUCH AS CORPORATE AGENT, INSURANCE BROKER ETC FOR OFFERING. THE INDMONEY HEALTH TOP-UP INSURANCE OFFERED UNDER THIS PROGRAM IS PART OF GROUP POLICY OPTED BY COMPANY FROM THE INSURANCE COMPANY.
   THE INDMONEY HEALTH TOP-UP INSURANCE POLICY OFFERED UNDER THIS PROGRAM HOLDS NO CASH OR MONETARY VALUE. YOU AGREE AND UNDERSTAND THAT SINCE THIS PRODUCT DOES IS A ZERO COST PRODUCT, ie. NO PAYMENT HAS BEEN MADE BY YOU TO AVAIL THE INSURANCE BENEFITS, THERE SHALL BE NO REFUND IN ANY SCENARIO WHATSOEVER. IT CANNOT BE EXCHANGED FOR ANY OTHER PRODUCT, SERVICE, OR FINANCIAL COMPENSATION. THE INVITE AND/OR THE SAID INSURANCE OFFERED UNDER THIS PROGRAM IS NON-TRANSFERABLE AND CANNOT BE ASSIGNED OR GIFTED TO ANOTHER INDIVIDUAL. IT IS EXCLUSIVELY AVAILABLE TO THE ELIGIBLE USERS AND CANNOT BE USED BY ANYONE ELSE.
   YOU UNDERSTANDS THAT THE COMPANY RESERVES THE RIGHT TO TERMINATE/MODIFY THE OFFER AT ANYTIME WITHOUT ANY PRIOR WRITTEN NOTICE. THE GROUP INSURANCE HEALTH TOP-UP IS OFFERED BY COMPANY AT ZERO COST AND COMPANY DOES NOT LEVY ANY CHARGE, OR FEES (BY WHATEVER NAMED CALLED) FOR OFFERING THE HEALTH TOP-UP POLICY. COMPANY SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER ARISING OUT OF OR IN RELATION TO THE FULFILMENT OF THE REQUEST, SERVICE, CLAIMS, BY WHATSOEVER NAME, AS RAISED BY THE YOU.
   DISPLAY OF ANY TRADEMARKS, TRADE NAMES, LOGOS AND OTHER SUBJECT MATTERS OF INTELLECTUAL PROPERTY BELONG TO THEIR RESPECTIVE INTELLECTUAL PROPERTY OWNERS. DISPLAY OF SUCH IP ALONG WITH THE RELATED PRODUCT INFORMATION DOES NOT IMPLY ANY RIGHTS, TITLE OR INTEREST IN FAVOUR OF FINZOOM INVESTMENT ADVISORS PRIVATE LIMITED AND/OR ANY OF ITS GROUP, SUBSIDIARY, ASSOCIATE AND/OR AFFILIATE ENTITIES.
   FINZOOM WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGE CAUSED BY RELIANCE ON INFORMATION OBTAINED IN ANY OF OUR NEWSLETTERS, LITERATURE, REPORTS, E-MAIL CORRESPONDENCE, WEBSITE, PLATFORM AND/OR ANY OTHER COMMUNICATION FROM FINZOOM. YOU HEREBY EXPRESSLY ACKNOWLEDGES AND AGREES THAT FINZOOM, ITS OFFICERS, DIRECTORS, PERSONNEL, EMPLOYEES AND ITS GROUP COMPANIES SHALL NOT BE LIABLE TO YOU OR TO ANY OTHER PERSON, AS A RESULT OF YOUR ACCESS OR USE OF PROGRAM / PRODUCT INCLUDING ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES
   YOU HEREBY AGREE AND UNDERSTAND THAT THIS IS NOWHERE TO BE CONSIDERED AS AN INVITATION OR SOLICITATION OR ADVERTISEMENT FOR SOLICITATION FOR INSURANCE AND/OR FOR INVESTMENT AND/OR TO AVAIL ANY PRODUCTS AND/OR SERVICE FROM THE COMPANY AND/OR FROM INDMONEY PLATFORM. THIS PROGRAM IS NOWHERE TO BE CONSIDERED AS AN ADVICE OF RECOMMENDATION. COMPANY MAKES NO WARRANTY IN ANY NATURE WHATSOEVER WITH RESPECT TO FITMENT OF THE PRODUCT OR MERCHANTABILITY OR SUITABILITY OF THE PRODUCT AS PER YOUR NEEDS, OR ANY OTHER BENEFITS SUCH AS TAX BENEFITS ASSOCIATED WITH THE PRODUCT.
   THE COMPANY RECOMMENDS TO YOU TO ALWAYS SEEK INDEPENDENT PROFESSIONAL ADVICE WHILE TAKING YOUR FINANCIAL DECISIONS.
   ANY DISPUTE ARISING OUT OF THIS OFFER’S T&C SHALL FIRST BE ATTEMPTED TO BE RESOLVED AMICABLY THROUGH NEGOTIATIONS. IN THE EVENT, AMICABLE SETTLEMENT FAILS, THE DISPUTE SHALL BE REFERRED TO MEDIATION. THE VENUE OF MEDIATION SHALL BE AT GURGAON ONLY. THIS PROGRAM SHALL SUBJECT TO INDIAN LAWS AND THE EXCLUSIVE JURISDICTION OF THE COURTS AT GURGAON.