Terms and Conditions of Website Usage

Please read these Terms and Conditions (“Terms of Use”) carefully. Your Acceptance of the Terms of Use contained herein constitutes the Agreement for the Purpose as defined hereunder. The Acceptance of Terms of Use will be between You and Magma General Insurance Limited (erstwhile, Magma HDI General Insurance Company Limited) which is facilitating provision of the services. By accessing and using this Website you have confirmed that you have read, understood and bound yourself by these Terms of Use. These Terms of Use shall apply to the access and use of the Website and all associated web pages/ sites which are linked with www.magmainsurance.com. You will be subject to the rules, guidelines, policies, terms, and conditions applicable to any facilities that are provided by this Website and all associated web pages/ sites and they shall be deemed to be incorporated into these Terms of Use and shall be considered as part and parcel of these Terms of Use. In terms of the Information Technology Act, 2000 (as amended from time to time), this document is an electronic record. By accessing the Website and availing for facilities on the Website, the users (hereinafter referred to as "you", or "your") agree to be bound by these Terms of Use, the legal disclaimer (‘Legal Disclaimer’) and the Privacy Policy (“Privacy Policy”), as posted on the Website. This Agreement describes the terms governing the usage of the facilities provided to you on the Website. Clicking "I Agree" to "Terms & Conditions", shall be considered as your electronic acceptance of this Agreement under Information Technology Act 2000. Your continued usage of the facilities from time to time would also constitute acceptance of the Terms of Use including any update or modification thereof and you would be bound by this Agreement until this Agreement is terminated as per provisions defined herein. Your electronic consent, accepting these Terms of Use, represents that you have the capacity to be bound by it, or if you are acting on behalf of any person, that you have the authority to bind such person. You also acknowledge and agree that, unless specifically provided otherwise, these Terms of Use only apply to this Website and facilities provided on this Website.

You agree that these Terms of Use may be subject to change/modification for such reason as it may deem fit and proper, including but not limited to comply with changes in law or regulation, correct inaccuracies, omissions, errors or ambiguities, reflect changes in the process flow, scope and nature of the services, company reorganisation, market practice or customer requirements. Upon any change, the updated Terms of Use will be updated on the Website or any other means. Your continued use of the facilities on this Website constitutes acceptance of the changes and an Agreement to be bound by Terms of Use, as amended. You can review the most current version of the Terms of Use at any time, by clicking the Terms & Conditions link on the Website. No fee of whatsoever nature is to be charged for the use of this Website. If you do not agree with any of these Terms of Use, you may not use this Website.   That Magma General Insurance Limited (erstwhile Magma HDI General Insurance Company Limited) (hereinafter to be referred as “the Company”) maintains this web-site to provide visitors with information about the Company, its services and products and to facilitate communication with the Company and availing its services.

This Website contains information, materials, documents, including text, images, graphics, videos and sound (“Materials”), which is protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in these Materials are owned by the Company or its joint venture partners. Other than those materials which belong to Third Parties, the Company retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this Website which are either owned by or licensed to the Company. You shall not copy, distribute, download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper with in any way or otherwise use any Materials contained in the Website. That the user shall not use the Company website for any purpose that is unlawful, or prohibited by these Website Usage Terms. That the Company website shall not be used in any manner that could damage, disable or impair the website or interfere with any other party's use or enjoyment of the website.

The Company and any of its Third Party Service Providers shall not be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, flood, storms, explosions, Act of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

No Information at this Website shall constitute an invitation to invest in the Company . These are meant for general information only or to meet statutory requirements or disclosures. The Company or any of its employees are in no way liable for the use of the information by you, when making any decision or for any loss, damages, or expenses arising out of any access or use of this site or any site linked to it, including, without limitation, any loss of profit, indirect, incident or consequential loss.

Although all efforts are made to ensure that information and content provided as part of this Website is correct at the time of inclusion on the Website, however there is no guarantee to the accuracy of the information. This Website makes no representations or warranties as to the fairness, completeness or accuracy of Information. There is no commitment to update or correct any information that appears on the Internet or on this Website. Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. Any use of this Website or the information is at your own risk. Neither the Company, nor their officers, employees or agents shall be liable for any loss, damage or expense arising out of any access to, use of, or reliance upon, this Website or the information, or any website linked to this Website. This website may contain advice/ opinions and statements of various professionals/ experts/ analysts, etc. The Company does not represent/ endorse the accuracy, reliability of any of the opinions/ statements/ information by such person. Reliance on these statements shall be at the risk of the user of this web site. It is the responsibility of the user of this website to independently verify and evaluate the accuracy, completeness, reliability and usefulness of any opinions, services or other information provided on this web site. All information in this web site is being provided under the condition and understanding that the same is not being interpreted or relied on as legal, accounting, tax, financial, investment or other professional advice, or as advice on specific facts or matters.

That the Courts in Mumbai alone shall have exclusive jurisdiction as regards any claims or matters arising out of dealings with the Company, and all disputes will be governed by the laws of India.

All Personal Information including sensitive personal information provided/related to you, shall be stored/used/processed/transmitted expressly for the purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy of the Company. Other than those otherwise indicated and agreed by you, this Website does not collect, store, or share your Personal Information. All products and facilities are provided by the Company. Therefore, for any of these purposes, the website will use the Company and their authorised third-party vendors, agents, contractors, consultants, or facilities providers (individually and/or collectively a ‘Third Party Service Provider(s)’ ) and to that extent you understand and authorise the Company to share/transmit such information to Third Party Service Providers as per the applicable laws. Such sharing of information will be solely for the purpose to fulfill / complete / authenticate your specific requests/transaction execution and for providing information about any the Company product or facilities or services or for data analytics or to deliver to you any administrative notices, alerts or communications relevant to your purpose (and which may include sending promotional emails or SMS or calls or any other mode permitted under law) or to analyze the usage and improve the facilities/solutions offered or for any research or troubleshooting problems, detecting and protecting against errors or to improve features, tailor the facilities on the Website to your interests, and to get in touch with you whenever necessary. Except in the manner as stated in the Privacy Policy, the Website will not disclose your personal information with any affiliated or unaffiliated third parties. You may receive e-mails /communications/notifications from the Third-Party Services Providers regarding facilities updates, information/promotional e-mails/SMS, and/or update on new product announcements/services in such mode as permitted under law.

This Website may be linked to other websites on the World Wide Web that are not under the control of or maintained by the Company . Such links do not indicate any responsibility or endorsement on our part for the external website concerned, its contents or the links displayed on it. These links are provided only as a convenience, in order to help you find relevant websites, facilities and/or products that may be of interest to you, quickly and easily. It is your responsibility to decide whether any facilities and/or products available through any of these websites are suitable for your purposes. The Company  is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party).

The Website reserves the right to discontinue or suspend, temporarily or permanently, the facilities. You agree that the Facilities Provider/ Company will not be liable to you in any manner whatsoever for any modification or discontinuance of the facilities. The format and content of this Website may change at any time. We may suspend the operation of this Website for support or maintenance work, in order to update the content or for any other reason. The Company and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Website and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Website will not be responsible for any liability arising out of delay in providing any information on the Website. That the user 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 Company  website, except that which he/she may download for his/her own personal, non-commercial use.

You agree that these Terms of Use are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and the Facilities Provider and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms of Use. These Terms of Use, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Website and/or the processor bank.