You understand and accept that Raheja QBE General Insurance Company Limited (Raheja QBE / the Company) maintains the website http://www.rahejaqbe.com ("the Site”) to provide visitors with information about Raheja QBE, its services and products and to facilitate communication with Raheja QBE and availing its services. By accessing this Site and using its content, you acknowledge and agree that you have read and understood the following terms of use and you agree to be bound by them. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and therefore you will have to review these terms and conditions every time you use this Site. You should not access, download materials from this Site, if you do not agree with these terms of use.

You understand and accept that the availability of the information and guidance as part the Site does not constitute a recommendation by Raheja QBE to buy any policies.’

The content is available for informational purposes only. The posting of contents and access to this Site does not render, either explicitly or implicitly, any provision of services or products by Raheja QBE. All advertisements contain only an indication of cover offered with the products. For more details on risk factors, terms and conditions, please read the sales brochure/policy wording before concluding a sale.

You understand and accept that all information submitted by you through the Site shall be deemed the property of Raheja QBE unless you agree otherwise in writing, and Raheja QBE shall be free to use any ideas, concepts, know-how or techniques provided by you at the Site, in any manner whatsoever. On initiating a contact through the Site you agree to being contacted by Raheja QBE or any other entities with whom Raheja QBE has entered into an arrangement. Raheja QBE shall ensure that upon privacy being so requested, Raheja QBE shall protect all such information and it shall not be utilised in any manner that will directly or indirectly result in any harm to you.

You agree that you shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the Site, except that which you may download for your own personal, non-commercial use.

You agree that you will not use the Site for any purpose that is unlawful or prohibited by these website Usage Terms. You also agree that you will not use the Site in any manner that could damage, disable or impair the Site or interfere with any other party's use or enjoyment of the Site.

Raheja QBE reserve the right to change, modify, add to, or remove discounts, portions of these terms of use at any time subject to IRDAI regulations as amended time to time & company policy. You agree to have read and understood the brochure, prospectus, sales literature & Policy wordings and confirm to abide by the same.

You acknowledge that the software and hardware underlying the Site as well as other Internet related software which are required for accessing the Site are the legal property of the respective Vendors and/or Raheja QBE. The permission given by the Company to access the Company’s website will not convey any proprietary or ownership rights in the above software / hardware.

You agree that there is no guarantee or warranty that there will be uninterrupted access to and/or use of the Payment and delivery Mechanism.

You understand and accept that not all the products and services offered on this Site are available in all geographic areas. The Company reserves the right to determine the availability and eligibility of any product or service.

The Company shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the Company to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.

“Force Majeure Event” means any event due to any cause beyond the reasonable control of the Company, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or Industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

You understand and agree that the Site Usage Terms are in addition to, and not in derogation of, the applicable Terms and Conditions relating to your usage of any other Raheja QBE services that you may be currently availing or may in the future avail. You understand that you may be given a customer Id and customer Password for accessing certain services on the Site which require authentication process. You agree and accept that the protection of the Customer Id and the Customer/Transaction Passwords is your sole responsibility and you shall ensure that the password/s is/are not revealed to any third party and you shall not hold Raheja QBE responsible for any misuse mistake / error thereof. In the event that any third parties uses the Customer Id and Customer /Transaction Password, in the event of any such misuse, damage, claims arising therefrom you agree to indemnify and keep indemnified and hold harmless Raheja QBE against any such Liability, costs or damages arising out of claims or suits by or against such third parties based upon or relating to such access and use. You agree that Raheja QBE is under no duty to verify the identity or authority of the person giving any instruction or the authenticity of such instruction, apart from verifying the user Id or password.

You agree and confirm that you shall not engage in any criminal/ illegal activity, including but not limited to any communication intending marine-insurance/marine-cargo-insurance/marine-cargo-specific-transit to fraudulently obtain any password or information from persons accessing such website. You agree and confirm that besides yourself any person using your computer or any other computer on your behalf shall be bound by the terms and conditions contained herein.

You agree that the failure on the part of Raheja QBE to enforce any of the provisions hereof will not be construed to be a waiver of the rights vested in Raheja QBE to thereafter enforce such provisions. If any provision of these terms and conditions is held to be invalid, illegal or unenforceable, it will be enforced to the maximum extent possible, and the validity, legality and enforceability of the remaining provisions will not in any way be affected or impaired thereby.

All notices, requests, demands or other communications which are required or may be given pursuant to the usage will be in writing and will be deemed to have been duly given when received at the address advertised on the Site.

This Site is controlled and operated by Raheja QBE from its offices within the India. Any claim relating to, and the use of, this Site are governed by the Indian laws.

All Disputes arising out of these terms or this Site shall be litigated in, and only in, courts located in Mumbai, India, and you agree to submit to the exclusive jurisdiction of those courts.

If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms and Conditions shall continue in effect.

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 RAHEJA QBE AND ITS AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Raheja QBE does not warrant that the functions contained in the materials 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. Raheja QBE does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Raheja QBE) assume the entire cost of all necessary servicing, repair, or correction. 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.

This website may be linked to other websites which are not maintained by Raheja QBE. Raheja QBE is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Raheja QBE of the websites or the content thereof.

Although the information contained in the Website has been carefully vetted, the use of this Site shall be at your own risk. All contents on the Website, including but not limited to graphics, text and hyperlinks or references to other sites, is provided "as is". Raheja QBE shall not give warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or other harmful components.

Raheja QBE shall not be responsible or liable for the authenticity, accuracy, completeness, errors, omission, typographic errors, disruption, delay, interruption, failure, deletion, defect of any information, research, reports, analysis, quotes etc in this Site or any part thereof. Raheja QBE assume no responsibility to update or amend the website.

Raheja QBE do not warrant that the functions of the Site will be uninterrupted and/or error-free, that defects will be corrected or that the Website or the server that makes it available are free from computer viruses or other harmful components.

Raheja QBE assumes no liability and shall not be responsible as to the errors or omissions which may occur sometimes. Raheja QBE expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access or use or inability to access or use of the Site or reliance on its content, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with the Site, regardless of Raheja QBE’s knowledge thereof. Raheja QBE 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.