Welcome to Investmarket.in (“Website”), a company incorporated under the provisions of the Companies Act, 1956 and having its registered office at SCO-113, 2nd floor, Darbara Complex, B – Block, Ranjit Avenue, Amritsar, Punjab 143001.
This document/agreement/understanding is a computer-generated electronic record published in terms of Rule 3 of the Information Technology (Intermediaries Guidelines) Rules, 2011 read with Information Technology Act, 2000, and does not require any physical or digital signatures.
1. PROPRIETARY RIGHTS
You acknowledge and agree that Invest Market owns all rights, title, and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether registered or not). You further acknowledge that the Services may contain information which is designated confidential by Invest Market and that you shall not disclose such information without Invest Market’s prior written consent.
Invest Market grants you a limited license to access and make personal use of the Website and the Services. This license does not confer any right to download, copy, create a derivative work from, modify, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sub-license, grant a security interest in or otherwise transfer any right in the Services. You do not have the right to use any of Invest Market’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You do not have the right to remove, obscure, or alter any proprietary rights notices (including trademark and copyright notices), which may be affixed to or contained within the Services. You will not copy or transmit any of the Services.
2. INVEST MARKET SERVICES
In the Site, Invest Market provides users with access to information primarily about Financial and Insurance products and services including but not restricted to General Insurance, Life Insurance products, and related services (including but not limited to renewals) (the “Service”). You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service provider or airtime charges). In addition, you must provide and are responsible for all equipment necessary to access the Site. By making use of this site, and furnishing your personal / contact details, you hereby agree that you are interested in availing and purchasing the Service(s) that you have selected. You hereby agree that Invest Market may contact you either electronically or through phone, to understand your interest in the selected products and Service(s) (like renewals, reminders, etc.) and to fulfill your demand. You also agree that Invest Market reserves the right to make your details available to its affiliates and partners and you may be contacted by the affiliates and partners for information and for sales through email, telephone, and/or SMS. You agree to receive promotional materials and/or special offers from Invest Market through email or SMS.
3. WEBSITE USAGE
The Website is intended for personal and non-commercial use. You shall register to become a member of the Website only if you are of the age of 18 or above and can enter into binding contracts as per applicable laws. You are responsible for maintaining the secrecy of your passwords, login, and account information. You will be responsible for all use of the Website by you and anyone using your password and login information (with or without your permission).
You also agree to provide true, accurate, current, and complete information about yourself as and when prompted by the Website. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or Invest Market has reasonable grounds to suspect that such information is untrue, inaccurate, not updated or incomplete, Invest Market shall have the right to suspend or terminate your account and/or refuse any and all current or future use of the Website (or any portion thereof) or Services in connection thereto.
By making use of the Website, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the Services that you have selected. You hereby agree that Invest Market may contact you either electronically or through phone, to understand your interest in the selected products and services and to fulfill your demand or complete your application.
You specifically understand and agree that by using the Website you authorize Invest Market and its affiliates and partners to contact you for any follow-up calls in relation to the Services provided through the Website. You agree and consent to receive communications on your phone/mobile number provided by you on the Website and expressly waive any registration made under DND/NCPR list under TRAI regulations.
You agree and authorize Invest Market to share your information with its group companies and other third parties, in so far as required for marketing purposes/offering various Services and/or to provide you with various value-added services, in association with the Services selected by you or otherwise. You agree to receive communications through e-mails, telephone and/or SMS, from Invest Market or its third-party vendors regarding the Services/ancillary Service updates, information/promotional emails, and/or product announcements. You also agree that Invest Market reserves the right to make your details available to its partner banks/financial institutions and that you may be contacted by the partners for information through email, telephone and/or SMS. If you request not to receive such communication/marketing material any further, it shall be applied prospectively only and shall not apply in respect to your data already shared by Invest Market with its partners upon your prior consent. In case you do not wish to receive any such communication/marketing materials from our partner banks/ financial institutions, we request you to kindly get in touch with them independently, without involving Invest Market.
The usage of the Website may also require you to provide consent for keying in your Personal Information (“PI”) (including but not limited to user ids and passwords), as may be necessary to process your application through this Website. PI keyed in shall be required for enabling hassle-free, faster, and paperless (to the extent possible) processing of applications for financial products so opted/availed by you. Invest Market shall adhere to best industry practices including information security, data protection, and privacy law while processing such applications. However, Invest Market shall not be liable to you against any liability or claims which may arise out of such transactions.
You shall not sell Invest Market’s Services, information, or software associated with or derived from it or use any robot, spider, another automatic device, or manual process to monitor or copy the Website and or it’s content or interfere or disrupt the Website; take any action that imposes an unreasonably or disproportionately large load on Invest Market’s infrastructure/network or use any device, or interfere or attempt to interfere with the Invest Market Services or forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through Invest Market or to manipulate your presence on the Website.
You may only use the Website to search for and to buy insurance policies, mutual funds, investment plans, or other financial products as may be displayed on the Website from time to time and you shall not use the Website to make a fraudulent application for any products listed on the Website. You agree not to use the Website for any purpose that is unlawful, illegal or forbidden by these Terms, or any local laws that might apply to you. Since the Website is in operation in India, while using the Website, you shall agree to comply with laws that apply to India and your own country (in case of you being a foreign national). We may, at our sole discretion, at any time and without advance notice or liability, suspend, terminate, or restrict your access to all or any component of the Website.
You are prohibited from posting or transmitting to or through this Website: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any goods or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or another proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website.
5. DISCLAIMER OF WARRANTY
The Website and all content and services provided on the Website are provided on an “as is” and “as available” basis. Invest Market expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and security and accuracy, as well as all warranties arising by usage of trade, course of dealing, or course of performance. Invest Market makes no warranty, and expressly disclaims any obligation, that: (a) the content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (b) The Website will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basis; (c) the results that may be obtained from the use of the Website or any Services offered through the Website will be accurate or reliable; or (d) the quality of any products, services, information, or other material obtained by you through the Website will meet your expectations.
6. LIMITATION OF LIABILITY
You agree to indemnify and hold Invest Market (and its officers, directors, agents, and employees) harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys’ fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Website.
Any failure or delay by Invest Market to enforce or exercise any provision of these Terms, or any related right, shall not constitute a waiver by Invest Market of that provision or right. The exercise of one or more of Invest Market’s rights hereunder shall not be a waiver of or preclude the exercise of, any rights or remedies available to Invest Market under these Terms or in law or at equity. Any waiver of any provision shall only be effective if made in writing and executed by a duly authorized officer of Invest Market.
9. FORCE MAJEURE
If performance of Services/Website by Invest Market is prevented, restricted, delayed or interfered with by reason of labour disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, malware, trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Website, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of Invest Market and could not have been prevented by reasonable precautions, then Invest Market shall be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by Invest Market of its obligations herein or incur any legal liability on Invest Market.
10. DISCLAIMER OF ONLINE AVAILABILITY, IMPRESSIONS, AND CLICK-THROUGH
In addition to the other disclaimers and limitations discussed in this notice, there are no guarantees and no warranties regarding online availability, impressions, and click-through of www.investmarket.com, its web pages, and any material, information, links, or content presented on the web pages at www.investmarket.com. investmarket.com, its web pages, and any material, information, links, or content presented on the web pages at www.investmarket.com, may be unavailable for online access at any time. Advertising sponsors and advertising, if any and if permitted, must be approved by Invest Market before the posting of any advertising material, information, links, content, banners, and graphics on www.investmarket.com. Invest Market reserves the right to accept or to reject any advertising sponsor or any advertising for any reason
The trademarks, logos, and service marks (“Marks”) displayed on the Site are the property of Invest Market/its parent company and other associated parties and service providers. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Invest Market or such third party which may own the Marks. All information and content including any software programs available on or through the Site (“Content”) are protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.