Terms of Use


This web site (the “Site”) is published and maintained by Medimanage Insurance Broking Pvt. Ltd.   (Hereinafter referred to as “Medimanage”), a company incorporated and existing in accordance with the laws of the Republic of India. When you access, browse or use this Site, you accept, without limitation or qualification, the terms and conditions set forth below. When you access any sub–site through this site, such sub–site may have its own terms and conditions of use which is specific to such sub–site. Sub–sites may contain such additional terms and conditions of use as may be set out in such sub–sites.

These Terms and Conditions of Use and any additional terms posted on this Site together constitute the entire agreement between Medimanage and you with respect to your use of this Site.

Site and Its Contents

This Site is only for your personal use. You shall not distribute, exchange, modify, sell or transmit anything you copy from this Site, including but not limited to any text, images, audio and video, for any business, commercial or public purpose.

As long as you comply with the terms of these Terms and Conditions of Use, Medimanage grants you a non–exclusive, non–transferable, limited right to enter, view and use this Site. You agree not to interrupt or attempt to interrupt the operation of this Site in any way.

Access to certain areas of the Site may only be available to registered members. To become a registered member, you may be required to answer certain questions. Answers to such questions may be mandatory and/or optional. You represent and warrant that all information you supply to us is true and accurate.

Links

The Site or third parties may provide links to other World Wide Web sites or resources. You acknowledge and agree that Medimanage 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 Medimanage 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 visit to, use of or reliance on any such content, goods or services available on or through any such site or resource. You further acknowledge and agree that inability to access the disclaimer link forming part of these terms and conditions does not absolve you from unconditional acceptance of any and all the disclaimers contained therein.

 Ownership

All materials on this Site, including but not limited to audio, images, software, text, icons and such like (the “Content”), are protected by copyright under international conventions and copyright laws. You cannot use the Content, except as specified herein. You agree to follow all instructions on this Site limiting the way you may use the Content.

There are a number of proprietary logos, service marks and trademarks found on this Site whether owned/used by Medimanage or otherwise. By displaying them on this Site, Medimanage is not granting you any license to utilize those proprietary logos, service marks, or trademarks. Any unauthorized use of the Content may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil and criminal statutes.

You may download such copy/copies of the Content to be used only by you for your personal use unless the sub–site you are accessing prohibits even such a use. If you download any Content from this Site, you shall not remove any copyright or trademark notices or other notices that go with it.

Others’ rights

This Site contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities, you agree to use the same only to send and receive messages and materials that are proper and related thereto. By way of example and not as a limitation, you agree that when using the Site or any facility available herefrom, you shall not do any of the following:

  1. Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others
  2. Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information
  3. Upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy and publicity) unless you own or control the rights thereto or have received all consents therefor as may be required by law
  4. Upload or attach files that contain viruses, corrupted files or any other similar software or programs that may damage the operation of another’s computer
  5. Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded
  6. Falsify the origin or source of software or other material contained in a file that is uploaded
  7. Advertise or offer to sell any goods or services, or conduct or forward surveys, contests or chain letters, or download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

Your Material

You are prohibited from posting or transmitting any defamatory, libelous, obscene, pornographic, profane, threatening, provoking any religious or ethnic sentiments or unlawful material or any material that could constitute or encourage conduct that could be considered a criminal offense or give rise to civil liability, or otherwise violate any law.

Medimanage assumes no liability or responsibility arising from the contents of any user communications containing any defamatory, erroneous, inaccurate, libelous, obscene or profane material, or any material of any kind for that matter. Medimanage has the unfettered right to change, edit, or remove any user material or conversations that are illegal, indecent, obscene or offensive, or that violates Medimanage’s policies in any way or any material of any kind for that matter.

Without recourse, Medimanage will fully cooperate with the insurance regulator, any law enforcement authorities or court order requesting or directing Medimanage to disclose the identity of anyone posting such materials, and will do or cause to be done all such actions as required by the above authorities..

Medimanage Rights

If you send any communications or materials to the Site by electronic mail or otherwise, including any comments, data, questions, suggestions or the like, all such communications are, and will be treated by Medimanage as, non–confidential.

You hereby give up any and all claims that may ensue if any use of such material violates any of your rights including moral rights, privacy rights, proprietary or other property rights, publicity rights, rights to credit for material or ideas, or any other right, including the right to approve the way Medimanage uses such material.

Any material submitted to this Site may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, sold, transmitted or used by Medimanage anywhere in the world, in any medium, forever.

Transmitted Material

Internet transmissions are never completely private or secure. You understand that any message or information you send to this Site may be read or intercepted by others unless there is a special notice that a particular message (for example, credit card information) is encrypted (sent in code). Sending a message to Medimanage does not cause Medimanage to have any special responsibility to you.

The copyright in the contents of this website belong to Medimanage. Accordingly Medimanage reserves all rights. Copying of part or all the contents of this website without permission of Medimanage is prohibited except to the extent that such copying/printing is necessary for the purposes of availing of the paid services provided.

Contests and interactions

This Site may contain contests or offer prizes that require you to send in material or information. Each contest has its own rules, which you must read and agree to before you participate.

Availability

The insurance products and services displayed on the Site may not be available for purchase in your particular country or locality. The reference to such products and services on the Site does not imply or warrant that these products or services will be available at any time in your particular geographical location. Notwithstanding availability or otherwise of these products and services in your Geographical area, Medimanage does not warrant making these products and services available to you. You should check with Medimanage authorized representative through our contact details mentioned in our contacts section for the availability of specific products and services in your area at any given point in time.

Any insurance product or service that might be provided to you through the Site does not automatically entail any right to you or responsibility on the Site to get the said product or service renewed on termination of its initial period. Any renewal, for this purpose, is deemed to be a fresh proposal made by you through the Site and all terms and conditions herein will apply for the same as though you are making an offer through the site for the first time. Medimanage will endeavor to ensure but does not warrant providing requisite information on impending renewals and facilitating such renewals subject always to your providing clear and unambiguous instructions and authority to Medimanage and your making the requisite payments to the Insurance Company or other entities concerned, all within the time frames fixed for this purpose from time to time.

Terms and Conditions of Use

Medimanage may add to, change or remove any part of these Terms and Conditions of Use at any time, without notice. Any changes to these Terms and Conditions of Use or any terms posted on this Site apply as soon as they are posted. By continuing to use this Site after any changes are posted, you are indicating your acceptance of those changes.

Medimanage may add, change, discontinue, remove or suspend any other Content posted on this Site, including features and specifications of products described or depicted on the Site, temporarily or permanently, at any time, without notice, without recourse and without liability.

Medimanage reserves the right to undertake all necessary steps to ensure that the security, safety and integrity of Medimanage’s systems as well as its client’s interests are and remain well–protected.

Towards this end, Medimanage may take various steps to verify and confirm the authenticity, enforceability and validity of orders placed by you.

If Medimanage, in its sole and exclusive discretion, concludes that the said orders are not or do not reasonably appear to be, authentic, enforceable or valid, Medimanage may cancel the said orders. Notwithstanding the above, Medimanage reserves its right not to execute any order or to cancel an executed order, in its sole and exclusive discretion, without assigning any reasons and without any ensuing liability, monetary of otherwise.

General Provisions

Medimanage reserves its exclusive right in its sole discretion to alter, limit or discontinue the Site or any material posted herein, in any respect, irrespective of any user consideration/s arising therefrom.

Medimanage reserves its right to deny in its sole discretion any user access to this Site or any portion hereof without notice and without assigning any reasons.

By using this Site to avail any insurance product or service, you agree that you are providing a clear and irrevocable mandate to Medimanage to act as your authorized representative/broker for the purposes of your availing such an insurance product or service. You further agree that such a mandate will include authorizing Medimanage to make payments to the Insurance Company/ies on your behalf towards premium. You also agree to make available monies requisite for this purpose through the payment gateway of the legally constituted payment collection agency prescribed for this purpose. Notwithstanding such implied authority and undertaking, you agree and undertake to provide Medimanage with a written mandate of the above, if a demand for the same is made.

Medimanage’s services like Online Comparison of Products, Reviews under the Comparison, advisory provided online, documents management, claims assistance services are free of consideration non-contractual value added services provided as a part of goodwill to customers. Similarly, Medimanage’s Claims Assistance service is purely a free of consideration non-contractual assistance arrangement intended to smoothen and speed up processing and settlement of your claim/s, if any. Medimanage shall endeavor but does not warrant accuracy; efficacy, updation, universality, expertise, expediency and timeliness of contents and responses in the Site towards these services, and confidentiality, safekeeping and retrieval of information and online or physical documents that may be provided by you to Medimanage for this purpose. You agree that it is incumbent upon you to maintain in parallel back-ups and copies of any information or document that you may provide to Medimanage to avail these services or for any purpose whatever. Under no circumstances Medimanage holds any onus or liability, monetary or otherwise, over any deliverable or any deficiency therein, whether perceived or real.You clearly agree that the contractual obligation to settle your claim or otherwise is with the Insurance Company and you categorically agree that Medimanage holds no onus, guarantee or liability towards settlement or otherwise of your claim/s, if any, including the time taken for this process.  Any delivery threshold that Medimanage provides in the context of the above services, be it towards response to communication/queries, policy and other related documents including monetary receipts and/or claim related communications/payments, if warranted, whether in the form of electronic communication or physical delivery, is purely indicative and non-binding on Medimanage. You agree unambiguously that Medimanage shall endeavor but does not warrant adherence to the said threshold/s and holds no onus, guarantee or liability towards such adherence. On the same lines, Medimanage shall endeavor to ensure commencement of your insurance cover from the date on which you order payment but holds no onus, guarantee or liability towards this end. You agree that the Insurance Company at its discretion may commence your insurance cover at a time and date later to the date on which you order payment.

You agree to abide by the terms and conditions of purchase imposed by any Insurance Company or Insurance Service Provider with whom you elect to deal, including, but not limited to, payment of all amounts when due and in line with the rules and restrictions of the Insurance Company or Service Provider applicable to their products or services. You acknowledge that some third–party providers offering certain services and/or activities may require you to sign their liability waiver prior to participating in the service and/or activity they offer. You understand that any violation of any such rules and restrictions may result in cancellation of the service offering including but not restricted to your insurance policy(ies), in your being denied coverage and in your forfeiting the service or the product including any monies paid for such service and/or product, and/or in Medimanage debiting your account for any costs we incur as a result of such violation.

No waiver by Medimanage of any provision of these Terms and Conditions shall be binding except as set forth in writing and signed by its duly authorized representative.

Resolution of disputes

If any dispute arises between you and Medimanage during your use of the Site or thereafter, in connection with and arising from your past, present and future use or attempt to use this Site, the dispute shall be resolved in a court of Mumbai jurisdiction. If however the dispute is as to quantum, the same shall be referred to arbitration. The place of arbitration shall be Mumbai. The arbitration proceedings shall be in English language.

The said arbitration proceedings shall be governed and construed in accordance with the Arbitration and Conciliation Act, 1996 and modifications thereof as in force at the relevant time.

These terms and conditions are governed by and shall be construed in accordance with the laws of the Republic of India and any dispute shall exclusively be subject to the jurisdiction of the appropriate Courts situated at Mumbai, Maharashtra, India.

Acknowledgment and acceptance:

You acknowledge that this Website is provided only on the basis set out in these terms and conditions and the disclaimers annexed through this link, and you unconditionally agree to all the said terms, conditions and disclaimers.

Privacy Policy

What information do we collect?

We collect information from you when you place an order, subscribe to our newsletter, respond to a survey or fill out a form.

When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number, credit card information or Name of Family Members, Health Details. You may, however, visit our site anonymously.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

; To personalize your experience
(your information helps us to better respond to your individual needs)

; To improve our website
(we continually strive to improve our website offerings based on the information and feedback we receive from you)

; To improve customer service
(your information helps us to more effectively respond to your customer service requests and support needs)

; To process transactions
Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
; To administer a contest, promotion, survey or other site feature

; To send periodic emails / SMS
The email address / Mobile Number you provide for order processing, will only be used to send you information and updates pertaining to your order.
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential.

After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be stored on our servers.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information

We use cookies to help us remember and process the items in your shopping cart.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Childrens Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Terms and Conditions

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at http://www.medimanage.com/terms.aspx

Your Consent

By using our site, you consent to our websites privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will update the Privacy Policy modification date below.

This policy was last modified on 24th November 2011

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

www.medimanage.com
Medimanage Insurance Broking Pvt. Ltd.,101, Shivkripa, Kirol, Vidyavihar West
Mumbai, Maharashtra 400086
India
email@medimanage.com

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Medimanage has managed more than 25000 claims end-to-end.
Medimanage insures more than 2 Lakh lives every year.
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