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.