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Disclaimer

We recommend that PolicyBachat’s Terms of Use is carefully before using PolicyBachat’s website, www.policybachat.com, (the "Site"). By using the Site, you are deemed to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must not use the Site. By continual usage of the Site, you confirm your acceptance of these Terms of Use. The Terms of Use may be modified at any time by PolicyBachat without notice to you. Therefore, you are advised to regularly check this page for any updates.

Permitted use and Obligations

Content available on this Site is created for your personal, lawful, non-commercial use in connection with seeking insurance. Using this Site by a competitor company or other non-consumer third party is prohibited.

You are required to provide accurate and complete information when using this Site so that we can provide appropriate price comparison quotes.

If your information that is input is incomplete or incorrect and you enter into a policy of insurance with an insurer on the basis of that information, your insurance policy may be considered void and you will therefore not fully meet your insurance needs and/or not pay out on any claims.

You will be required to answer several questions in order to compare or obtain a quote for any product or service. These questions are designed to ensure that we and all relevant product or service providers have all of the information necessary to provide you with accurate, appropriate and timely information relating to the products and/or services in which you are interested.

The level of cover and the amount you pay is determined by the answers you provide to those questions and therefore you should answer all questions truthfully and fully and to the best of your knowledge and belief. If you fail to provide complete and accurate information:

• any insurance product purchased may be void
• you may have to pay additional premiums under your policy to reflect any increased insurance risk as a result; and/or
• You may be liable for damage or loss to a third party if you cause an accident.
• This will depend on the terms and conditions you have agreed with your product or service provider.

Copyrights and trademarks

All information, data and copyright material contained on this Site that includes any trade marks (whether officially registered or unregistered), trade names, brands, logos and devices belong to us or to people whom we have given ownership or permission to use such information data and/or copyright material. You must not use such information or copyright material unless you have written permission from us or the owner to do so.

Products and services

The services we offer allows you to compare a number of prices for products and services and make a decision based on those comparisons. We do not provide financial, investment or other advice in relation to the product or service compared, nor do we provide a recommendation or endorsement of product or service providers.

We highly recommend that you check and confirm all information you provide us with as this information is used by the product or service provider to formulate their quote. We seek to ensure that we accurately pass on the information you have provided to the product or service provider for the purpose of providing a price comparison.

Validity of quotes

PolicyBachat.com has no control over the price, length of offers, or special conditions relating to price comparison quotes, that are set by service providers. Product and service providers' prices, rates and offer times are updated and changed on a regular basis so our price comparisons are subject to change.

Delivery of quotes

Our price comparison technology online produces quote comparisons. However, we also rely on the availability of third party sites and general performance of the worldwide web. At certain times some or all online quotes may not be available to you due to problems with third party websites or the worldwide web. Wherever possible, we will try and notify you of this and email you to let you know when your quotes are ready.

India Residents Only

This Site is directed only at India residents and nothing within it or these Terms and Conditions constitutes an offer or promotion of services or products to persons outside this jurisdiction. We do not make any warranty or representation that the services we offer are available or appropriate for use by those outside India. Should you choose to use the services we provide outside India, you do so at your own risk and it is your responsibility to ensure that you are compliant with any applicable local laws.

Third-party sites

At times, the Site may have links to websites hosted by other parties ("Third-Party Sites"), or such Third-Party Sites may have links to the Site. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by PolicyBachat of the Third-Party Sites. The Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own websites.

Obligations

PolicyBachat holds no liability for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise.

If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that PolicyBachat’s total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Site.

Responsibility for content

PolicyBachat holds responsibility for the accurate reflection of its product or service quotes via our price comparison technology.

PolicyBachat strives to use its best endeavours to provide you with a quality service and virus free website. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this website, which are beyond our reasonable control.

We hold no responsibility for any commentary, opinions, ratings or other postings on this website by third parties.

Termination

You may be issued a warning, have your insurance temporarily suspended or permanently suspended or terminate your right to use this website if you:

• Substantially breach any of these Terms and conditions;
• Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website; or
• If you are using this website to commit or attempt to commit a criminal offence.