www.allianceinsurance.in is hosted by Alliance Insurance Brokers Private Limited (hereinafter referred as Alliance)
By registering, subscribing or using this www.allianceinsurance.inweb service and Application or any Service of ALLIANCE on the Portal and/or Application, you signify your agreement to these terms of use. If you do not agree to these Terms of Use, please do not use this Application/Portal or Service.
ALLIANCE reserves the right, in its discretion, to change or modify all or any part of this Agreement at any time, effective immediately. Your continued use of the www.allianceinsurance.inApplication or Service constitutes your binding acceptance of these terms and conditions, including any changes or modifications made by ALLIANCE as permitted above. Please be sure to review this Agreement periodically to ensure familiarity with the most current version. If at any time the terms and conditions of this Agreement are no longer acceptable to you, you should immediately cease all use of the Service.
ALLIANCE does not permit registration by and will not knowingly collect personally identifiable information from anyone under 18 on this Portal/Application. By registering for the Service, you represent and warrant that you are 18 years of age or older, as on date of this agreement and that you have fully read and understood the Terms and Conditions as set forth in this agreement, without any impairment in judgment resulting from (but not limited to) mental illness, mental handicap, intoxication, medication, or any other health or other problem that could impair judgment. Additionally, you must provide true, accurate and complete registration information to become a member of the Service (“Member”). Creating a Member account under automated means or under false or fraudulent pretence constitutes unauthorized use of the Service and such accounts will be terminated by ALLIANCE.
By using the Service, you represent and warrant that all registration information you submit is truthful and accurate and you agree to the accuracy of such information. The profile that you compose upon registering for the Service (the “Member Profile”) must describe you, an individual person. Examples of inappropriate profiles include, but are not limited to, profiles that purport to represent an animal, place, inanimate object, fictional character, or real individual who is not you. If you wish to view or change your profile, you can do so via the “my profile” option on the Portal/Application.
If you believe someone has accessed the Portal/Application using your username and password without your authorization, you must contact ALLIANCE by mailing us at gowri@allianceinsurance.in.
We will make all reasonable attempts to contact you when your purchased insurance is due to expire and offer a simple process for renewing your insurance. If your insurance expires before you accept our renewal offer, your access to www.allianceinsurance.in and all its services will terminate without additional notice. Any special offers or discounts obtained upon your initial purchase or any subsequent purchases may not necessarily be offered on renewal.
The Portal & Application provides general insurance related advice from Licensed and Registered insurance companies only and does not constitute legal advice.
You acknowledge that the Application contains information, software, photographs, audio and video clips, graphics, links and other material of ALLIANCE (collectively, the “Content”) that is protected by copyright, trademark or other proprietary rights of ALLIANCE or third parties. All Content on the Portal & Application is copyrighted as a collective work of ALLIANCE as per applicable copyright law. You agree to comply with any copyright notices, information, or restrictions contained in any Content available on or accessed through the Service. Users of the Application may use the Content only for their personal, non-commercial use.
You may not modify, publish, transmit, reproduce, create derivative works from, distribute, perform, display, sell, transfer or in any way exploit any of the Content or Material, in whole or in part. Content consisting of downloadable software may not be reverse engineered unless specifically authorized by the owner of the software’s patent and/or copyright. You also agree not to circumvent, disable or otherwise interfere with any security related features of the Portal and/or Application or the Content, including features that prevent or restrict use or copying or those that enforce limitations on use.
You are NOT allowed to DOWNLOAD or copy and make any personal, non-commercial or commercial use of the Content or information from the Application in whole or in part without the express permission of ALLIANCE. Requests for such permission should be made to gowri@allianceinsurance.in. Any rights not expressly granted herein are reserved. Please be advised that ALLIANCE enforces its intellectual property rights to the fullest extent of the law.
It is your responsibility to check the accuracy or relevant facts and opinions given on the Portal & Application before entering into any commitment based upon them.
Upon download and installation of the Application, you grant the following permissions to the Applications to perform the following actions on the device you have installed the Application in.

o To read from, write on, modify and delete data pertaining to the Application on the device’s hard disk and/or external storage.

o To access information about networks, your mail ID, access networks including Wi-Fi networks, receive and send data through the network.

o To determine your approximate & exact location from sources like, but not limited to mobile towers, GPS and connected Wi-Fi networks.

o To access the model number, IMEI number and details about the operating system of the device the Application has been installed on, as well as the phone number of the device.

o To retrieve information about other Applications running on the device the Application has been installed on and open them.

o To detect when the phone had been switched off and switched on for the purpose of sending notification/ push notifications.

o To access and change the display and sound settings of the device the Application has been installed in.

From time to time, the Application may automatically check the version of the installed Application on the Device and, if applicable, provide updates for the Application (hereinafter referred to as “Updates”). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the Application. By installing the Application, you authorize the automatic download and installation of Updates and agree to download and install Updates manually if necessary. Your use of the Application and Updates shall be governed by this Agreement (as amended by any terms and conditions that may be provided with Updates).
RULES OF CONDUCT
If you have registered on the Application, the log in credentials are personal to the individual named on the account and cannot be shared with or used by any other individual, or entity. The sharing of passwords, login information, or user identification is forbidden. ALLIANCE reserves the right to monitor Customer’s use of the Application to ensure compliance with this Agreement and prevent fraudulent use. Such monitoring of use may include but will not be limited to determining whether or not the Application is accessed under the account from multiple sources or IP Addresses at the same time.
The following is an incomplete list of illegal and prohibited uses of the Application. ALLIANCE may investigate any illegal and/or unauthorised use of the Application and appropriate legal action may be taken, including without limitation, termination of your right to access the Application, and civil, criminal, and injunctive redress. While utilizing the Application, you may not:
o use the Portal and/or Application for any commercial purpose, to distribute any advertising or solicitation of funds or goods and services, or to solicit users to join competitive online services.

o post on the Portal and/or Application any links to any external Internet Application or mobile Applications that are obscene or pornographic or display pornographic or sexually explicit material of any kind.

o use any robot, spider, Application or mobile Application search and/or retrieval Application, or other device to retrieve or index any portion of the Application.

o reformat or frame any portion of any web page that is part of the Application.

o post Material containing restricted or password only access pages, or hidden pages or images (those not linked to or from another accessible page).

o submit any Material that falsely implies sponsorship of that Material by the Application and/or ALLIANCE, falsify or delete any author attributions in any Materials, or promote any information that you know is false or misleading, transmit any viruses, worms, defects, trojan horses or other items of a contaminating or destructive nature through the Application.

o submit Material that violates the rights of others, such as Material that infringes any copyright, trademark, patent, trade secret or violates any right of privacy or publicity, or that is libelous or defamatory, or that directs any user, by linking or any other method, to the content of a third party without the third party’s written consent, promote an illegal or unauthorized copy of another person’s copyrighted work, such as providing pirated computer programs or videos or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files; or submit material that is libelous, defamatory, obscene, pornographic, abusive, harassing, threatening, unlawful or promotes or encourages illegal activity.

MANAGING CONTENT
Alliance makes no representations about the suitability of the content of this site for any purpose. All content is provided “as is” without any warranty of any kind.

ALLIANCE HAS NOT MADE AND DOES NOT MAKE ANY WARRANTY OF ANY KIND WHATEVER, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENTS OF THIS SITE; AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE ARE HEREBY DISCLAIMED BY ALLIANCE. ALLIANCE WILL NOT BE LIABLE TO ANYONE WITH RESPECT TO ANY DAMAGES, LOSS OR CLAIM WHATSOEVER, NO MATTER HOW OCCASIONED, IN CONNECTION WITH ACCESS TO OR USE OF THE CONTENTS OF THIS SITE. IN NO EVENT SHALL ALLIANCE BE LIABLE FOR ANY SPECIAL, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT

ALLIANCE reserves the right to delete, move or edit any Content (including Material posted in any interactive area of the Application) that it may determine, in its sole discretion, violates this Agreement or is otherwise unacceptable. However, ALLIANCE does not and cannot review all the Content posted by users on the Application and is not responsible for such Content. You shall remain solely responsible for all Material. Although ALLIANCE reserves the right to remove any offending Content on the Application, you understand and agree that you nonetheless may be exposed to such Material and that you further waive your right to any damages (from any party) related to such exposure.
Additionally, ALLIANCE shall have the right, but not the obligation, to correct any errors or omissions in any Content, as it may determine in its sole discretion.

NO ENDORSEMENT

ALLIANCE does not represent or endorse the accuracy or reliability of any Content posted on any interactive area and you acknowledge that any reliance upon such Content shall be at your sole risk. Any Content placed on any interactive area by users represents the views of the user posting the statement, and does not represent the views of ALLIANCE

The Service may contain links to Application or mobile Applications on the Internet which are owned and operated by third parties (the “External Application or mobile Applications”). You acknowledge that ALLIANCE is not responsible for the availability of, or the content located on or through, any External Application or mobile Application. You should contact the Application or mobile Application administrator or webmaster for those External Application or mobile Applications if you have any concerns regarding such links or the content located on such External Application or mobile Applications.

INDEMNITY
You agree to indemnify, defend and hold ALLIANCE and its affiliates, and their respective officers, directors, owners, agents, information providers and licensors (collectively, the “ALLIANCE Parties”) harmless from and against any and all claims, liability, losses, damages, costs and expenses (including attorneys’ fees) incurred by any ALLIANCE Party in connection with any Material or with use or alleged use of any Content or the Application, including any use under your password by any person, whether or not authorized by you. ALLIANCE reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with ALLIANCE’s defense of such claim

TERMINATION OF ACCESS
ALLIANCE reserves the right, in its sole discretion, to restrict, suspend or terminate your user account and access to all or any part of the Application, including the discussion areas, at any time for any reason without prior notice or liability. Conversely, you may terminate your user account at any time, for any reason, by deleting your account on the Application or by emailing ALLIANCE at gowri@allianceinsurance.in. The terms of this Agreement shall survive any termination of your membership. ALLIANCE may change, suspend or discontinue all or any aspect of the Application at any time, including the availability of any feature, database, or Content (including the discussion areas), without prior notice or liability

COPYRIGHT POLICY

You may not post, distribute, perform, display, transmit or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior written consent of the owner of such proprietary rights. Without limiting the foregoing, if you believe that your work has been copied and posted on the Service in a way that constitutes copyright or trademark infringement, please contact the Application administrator at gowri@allianceinsurance.in with the following information – (a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or trademark interest