Welcome to www.analahinsurance.com website (the "Website"). Analah Insurance provides its products and services to you subject to the following conditions. Before you may use the Website, you must read and accept all of the terms and conditions in, and linked to, these Terms & Conditions, the linked Privacy Policy and other Legal and Admin Policies.

All users should read the Terms & Conditions and also access and read the linked information, incorporated and made part of these Terms & Conditions. The use of any functionality of the Website constitutes acceptance of these Terms & Conditions. If you do not agree to be bound by these Terms & Conditions and other policies, then you are not permitted to use the Website in any way.

We reserve the right, at any time, at our sole discretion, to change or otherwise amend the Terms & Conditions and other policies without prior notice. By continuing to access or use this Website, you signify your acceptance of the updated or amended Terms & Conditions.

You acknowledge that Analah Insurance reserves the right to terminate your access to the Website and/or your account ("collectively referred to as Access") in the event that you fail to comply (intentionally or unintentionally) with the Privacy Policy, Terms of Conditions, and other Legal and Admin Policies for access or usage of the Website.

By accepting these Terms & Conditions, you formally authorize Analah Insurance to act on your behalf while dealing with the insurer and to inform you of the grant of a cover once the insurance has been implemented. Unless you and Analah Insurance agree differently, this mandate will be in effect for a period of 12 months. Please note that no mandate is required for individual policies or pre-underwritten policies.

1. Products & Services

You hereby agree that you are interested in using and/or purchasing the Service(s) that you have chosen by using this Website and providing your personal/contact information. You hereby consent to Analah Insurance contacting you by phone or electronic means in order to ascertain your interest in the chosen product(s) and service(s) (such as renewals, reminders, etc.) and to meet your needs. You also consent to Analah Insurance’s right to provide your contact information to its affiliates and partners, who may then get in touch with you via email, phone, or SMS for information or to make a sale. You consent to receiving email or SMS messages from Analah Insurance with promotional content and/or exclusive offers.

2. License & Website Access

You are given a limited license by Analah Insurance to use the Website and Service for your own personal use. This license does not include copying or downloading any content of the Website for the benefit of another person, vendor or any third party; caching, unauthorized hypertext links to the Website and the uploading, posting or transmitting any content that you do not have the right to make available; uploading, posting, or transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; any action that imposes or may impose (in Analah Insurance’s sole discretion) an unreasonable or disproportionately large load on Analah Insurance’s infrastructure; or any use of data mining, robots, or similar data gathering and extraction tools.

Any unauthorized or unlawful use by you shall terminate the permission or license granted to you by Analah Insurance. By using or continuing to use the Website, you agree not to:

(i) use the information on this Website for any kind of commercial purpose;
(ii) make any transaction that is speculative, deceptive or fraudulent in nature;
(iii) access, monitor, or copy any material or information from the Website using any robot, spider, scraper, or other automated device without our express written permission;
(iv) disregard any robot exclusion headers on the Website that include limitations, or skip over or work around any other security or access control measures put in place;
(v) take any action that places, or could place, in our opinion, an unreasonably high or unreasonable burden on our infrastructure;
(vi) without our prior written consent, deep-link to any area of the Website (including, but not limited to, the purchase path for any service) for any purpose; or
(vii) without our prior written consent, you may not "frame," "mirror," or otherwise integrate any of this Website into another website.

3. Minimum Age

Minors under the age of 18 are not permitted to use the Service, and Analah Insurance reserves the right to suspend or remove any user from the system for any reason. Users can only have one active account at a time. Users are also forbidden from trading, selling, or otherwise transferring their accounts to another person. You cannot use the Website if you do not meet the requirements.

4. Account

In exchange for using the Website, you represent that you are of legal age to form a contract, are not a person barred from receiving services under the laws of India or another applicable jurisdiction, and will only use the Website to make lawful purchases for you or another person on whose behalf you are legally able to act (and will make sure they are aware of the Terms & Conditions and other Legal & Admin Policies that apply to them) (including all rules and restrictions applicable thereto). As requested by the Website, you also agree to give information about yourself that is truthful, accurate, current, and complete. If Analah Insurance has reasonable grounds to suspect that any information provided by you is false, inaccurate, out-of-date, or incomplete, or if it becomes false, inaccurate, out-of-date, or incomplete, Analah Insurance has the right to suspend or terminate your account and refuse any and all current or future use of the Website (or any portion thereof). If you use the Website, you are in charge of protecting the privacy of your password and account information as well as limiting access to your computer. You agree to being held accountable for all actions taken using your account or password. As a result, we urge you to log out of your account at the conclusion of each session. You agree to immediately alert Analah Insurance of any unauthorized use of your account or any other breach of security. In its sole discretion, Analah Insurance maintains the right to deny service, delete or edit content, and cancel accounts. Despite the foregoing, we reserve the right to refuse access to the Website and the services we provide to anybody at any time for any reason, including but not limited to a violation of the Terms & Conditions, Privacy Policy, or other Legal & Admin Policies, without prior notice. You will be subject to additional terms and conditions when you purchase the Services you select. Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of any service provider you choose to do business with, including, but not limited to, paying all amounts when they are due and abiding by the service provider's guidelines and limitations on the use of its goods and/or services. You acknowledge that violating any of these service providers' policies could lead to the cancellation of your purchase(s), denial of access to the relevant service(s), forfeiture of any payments made for those services, and/or a charge to your account for any expenses we incur as a result of such violation.

5. Material Submitted

Any materials you make available through the Website do not belong to Analah Insurance. Such materials may be included in the Service in whole, in part, or in a modified manner, at Analah Insurance’s sole discretion. You grant Analah Insurance a perpetual, irrevocable, non-terminable, worldwide, royalty-free, and non-exclusive license to use, copy, distribute, publicly display, modify, create derivative works from, and sub license such materials or any portion of such materials with respect to the materials you submit or make available for inclusion on the Website (as well as use the name that you submit in connection with such submitted content). You hereby represent, guarantee, and covenant that any of the materials you provide do not contain (including, but not limited to, text, images, music or video) to which you do not fully own the authority to grant the license set out in this Section 4. Any content posted or submitted by you is at your own risk, for which we neither accept responsibility nor obligation. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Website. Please do not provide us with any submitted content if you do not agree to these terms and conditions. You agree that the content you submit or upload is solely your responsibility.

You are prohibited from posting or transmitting to or from this Website:

(i) any prohibited, threatening, libelous, defamatory, obscene, pornographic, or otherwise objectionable information or anything that would violate one's right to privacy or publicity or violate any law;
(ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and
(iii) any material or content that violates any copyright, trademark, patent, or other proprietary rights by infringement, misappropriation, or other means. Any violations of the aforementioned limits or any other harm brought on by your posting of content to this Website will be solely your responsibility.

6. Disclaimer of Warranty and Liability

There may be errors, inconsistencies or pricing errors in the Products and Services, and content published on the Website. We expressly reserve the right to correct any pricing errors on the Site/Mobile Application and/or on pending reservations made under an incorrect price. We do not guarantee the accuracy of and disclaim all liability for any errors or other inaccuracies relating to the information and description of the content, products, and services. Analah Insurance reserves the right to correct any pricing errors or other information on the Website on pending reservations made under an incorrect price.

The inclusion or offering of any Products or Services on the Website does not constitute any endorsement or recommendation of those Products or Services by Analah Insurance, and makes no representation regarding the suitability of the information, Software, Products, and Services contained on the Website for any purpose. All such information, Software, Products and Services are all provided "AS IS" and without any kind of warranty.

Analah Insurance makes no assurances regarding the absence of viruses or other harmful components on this Website, in its services, or in any email sent by Analah Insurance, its affiliates, or their respective or connected service providers. Analah Insurance hereby disclaims all warranties and conditions with regard to this information, software, products, and services, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title, and no infringement.

The service providers offering services on the Website are independent affiliates, and Analah Insurance is not responsible for any negligent or breaches committed by any such service providers, or for any resulting property damage, personal injury, wrongful death, or other costs or damages. In the event of any delay, cancellation, strike, force majeure, or other circumstances beyond our direct control, Analah Insurance and its affiliates shall have no liability and shall not be obligated to provide a refund. We shall also have no liability for any additional expenses, delays, or omissions of any governmental or other authority.

In no event will Analah Insurance and/or its affiliates be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of, or in any way associated with your use of this Website, or with any delay or inability to access this Website (including, but not limited to, your reliance upon opinions appearing on this Website; any computer viruses, information, software, linked sites, products, and services obtained through this Website; or otherwise arising out of the access to, display of or use of this Website) whether based on a theory of negligence, contract, tort, strict liability, or otherwise, and even if Analah Insurance and/or its affiliates their respective service providers have been advised of the possibility of such damages.

7. Online Impressions, Availability, and Click-through Disclaimer

There are no guarantees and no warranties regarding the online accessibility, impressions, and click-through of www.analahinsurance.com, its web pages, and any materials, information, links, or content presented on the web pages at www.analahinsurance.com, in addition to the other disclaimers and limitations discussed in this notice. Online access to analahinsurance.com, its web pages, and any information, links, or content provided on those web pages may be unavailable for online access at any time. Before posting any advertising-related information, links, content, banners, or graphics on www.analahinsurance.com, Analah Insurance must first approve the sponsors and advertising, if any and if permitted. Analah Insurance reserves the right to approve or disapprove any sponsor for advertising or any advertising for any reason.

8. Refund & Cancellation Terms

(a) Cancellation and Chargebacks - Free look period

You have the right to cancel your insurance policy in accordance with IRDAI rules and regulations within 15 (fifteen) days of the date of (online) receipt of the insurance policy (referred to as the "Free look period"), and your premium payment will be refunded in accordance with the applicable process and procedures followed by the insurer. Only Life and Health Insurance plans are eligible for this Free look feature, and only under particular IRDAI-specified terms and conditions. All of our customers are urged to thoroughly read the insurance policy document and use the Free look feature in case the terms and conditions don't align with their insurance requirements.

Further, you understand that if you request a cancellation within the Free look period, the policy is canceled and your entire premium is refunded to you, subject to deduction of:

(i) fees of any medical tests you had done;
(ii) fees for administrative and service costs, such as stamp duty etc. and;
(iii) charges for mortality for the time period the policy was in effect. Please note that it is the sole discretion of the insurer to make such a deduction.

According to the IRDAI's rules and regulations, the insurer is solely responsible for making all payments related to refunds as described in this paragraph 1. You are aware that Analah Insurance is merely serving as a facilitator and helping its clients receive prompt refunds.

(b) Chargebacks

You (cardholder) have the right to dispute a transaction made through the Website and submit a Chargeback to your issuing bank to have that transaction reversed. Chargeback permits transactions to be reversed by you under specific conditions, such as:

(i) alleged forgery of the card number, bank account, or other details
(ii) any charge or debit made on a card that has been listed as a hot card or otherwise listed on the card association warning bulletins (Visa, MasterCard, etc.)
(iii) duplicate processing of the transaction; or
(iv) for any other reasons in accordance with applicable rules and guidelines issued by RBI, and card associations.

However, we reserve the right to refuse a Chargeback, including but not limited to, under the following circumstances:

(a) If your medical examinations or underwriting is ongoing with your chosen insurer, not exceeding a period of 3 months from the date of your insurance policy application.
(b) In the event there is any delay caused on the part of the insurer in conducting medical tests or during the process of medical underwriting or issuance of insurance policy or any service provided by the insurer in connection with the insurance policy issuance, not exceeding a period of 3 months from the date of your insurance policy application.
(c) If the insurer rejects your application for insurance coverage after your medical examination.

For any claims, disputes, or proceedings that may arise in connection with Chargebacks that you initiate in the situations described in (a), (b), and (c) above, Analah Insurance shall not be liable to you in any form or manner whatsoever.

9. Proposal Form Terms (applicable for Health Insurance products only)

(i) You hereby declare, on your behalf and on behalf of all persons proposed to be insured, that the statements, answers and/ or particulars given by you are true and complete in all respects to the best of your knowledge and that you are authorized to propose on behalf of these other persons.
(ii) You are aware that the information you submit will serve as the foundation for the insurance policy, is subject to the insurer’s board approved underwriting policy, and that the policy wont go into effect until the entire amount of the applicable premium has been paid.
(iii) You further declare that you will notify in writing the insurance company of any change occurring in the occupation or general health of the person to be insured after the proposal has been submitted but before the insurance company notifies you of the risk acceptance.
(iv) You agree that you consent that the insurance company may obtain medical information about the person to be insured or proposed from any doctor or hospital who / which has treated the person at any time, as well as from any past or present employer, if the information relates to anything that could have an impact on the person's physical or mental health. The insurance company may also obtain information from any insurer to whom an application for insurance on the person to be insured has been made for the purpose of underwriting the proposal and / or claim settlement.
(v) You permit Analah Insurance / insurance company permission to share information about your proposal, including the insured's medical data, with any Government or Regulatory authority for the sole purpose of underwriting the proposal and/or claims settlement.
(vi) You agree and authorize the insurance company's authorized representatives the right to speak with any hospital or doctor you or any person who is or may be proposed to be insured/insured has visited or may visit in the future regarding any disease, illness, or injury in order to obtain the medical information necessary for the policy's issuance or claim settlement under this policy.

10. You acknowledge and agree that:

As per section 41 of Insurance Act

(i) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurers.
(ii) Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub‑section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer.
(ii) Any person who fails to comply with the above requirements, will be subject to a penalty which may extend to rupees five hundred.

Refer: https://irdai.gov.in/document-detail?documentId=399200

11. Customer Due Diligence (CDD)

You acknowledge and agree that before conducting any financial transaction through the Website, we may undertake client/customer due diligence measures and seek the mandatory information for KYC that you are required to provide as a customer, while facilitating your request for insurance requirements with the insurance company(ies), in accordance with applicable laws and rules.

You hereby give your permission and authorize us to contact authorized entities to get your credit information as needed. We may also obtain sufficient information to establish, to our satisfaction or the insurance company’s satisfaction, any information on the identity of each new customer, and the nature of the intention of the insurance relationship between you and the insurance company(ies).

You acknowledge and accept that you are responsible for ensuring that any payments for insurance premiums is remitted only from your bank account or a joint bank account in which you are a joint holder. You further acknowledge and accept that we can take enhanced due diligence measures (including any documentation) to satisfy us in regard to customer due diligence requirements in the event that payment for insurance premium is remitted through a bank account opened in the name of a third party (i.e., not being in your name).

You further agree and acknowledge that all refunds will be processed by the insurance company(ies) to the bank account that was used to remit payment of the insurance premium in accordance with the demands and duties under the PMLA Act and Rules.

12. Laws

Analah Insurance is compliant as per the local, state and central laws. We aim to provide information under its control or possession or assistance to any Government authority that is legally authorized to investigate or protect cybersecurity activities, for the purposes of identity verification, or for the prevention, detection or prosecution or investigation of offenses under any law for the time being in force, or for cyber security incidents as soon as possible, but not later than 72 hours of the receipt of an order or as per the timelines specified by any government or regulatory order.

Therefore, any order, notice, or direction issued by the Government, any competent authority, or a court of competent jurisdiction may be received and acknowledged by our Grievance Officer and our legal team. Analah Insurance does not represent that the contents of the Website are appropriate or readily available for use in other locations apart from its headquarters in Mumbai, India, where it manages and maintains the website. If you access the Website from another place, you are in charge of adhering to all local laws that may apply, including but not limited to export and import regulations of other nations.

Unless otherwise specified, any marketing or promotional materials on this Website are only intended for use by individuals, companies, or other organizations based in India and adhere to all applicable laws at the time of use in India. Disputes if any shall be subject to the exclusive jurisdiction of Courts at Mumbai.

13. Limitation of Liability

You acknowledge and accept that Analah Insurance and its subsidiaries, affiliates, officers, employees, agents, partners, and licensors are not responsible for any direct, indirect, incidental, special, consequential, or exemplary damages that may result from the use of the Website, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses (even if Analah Insurance has been advised of the possibility of such damages).

If Analah Insurance or its affiliates are found liable for any loss or damage arising from or associated with any of the occurrences listed above, then Analah Insurance’s liability will never exceed the greater of

(i) the service fees you paid to Analah Insurance in connection with such transaction(s) on this Website, or
(ii) INR 100 (Rupees One Hundred only), the limitation of liability indicates how the risk has been allocated between the parties.

The restrictions outlined in this section will remain in effect even if it is determined that any limited remedy has failed of its essential purpose. The limitations of liability provided in these terms insure to the benefit of Analah Insurance, Its affiliates, and/or their respective service providers.

14. Indemnity

You accept to indemnify, and hold harmless Analah Insurance (and its officers, directors, agents, subsidiaries, joint ventures, employees, service providers and suppliers) from and against any and all claims, causes of action, demands, recoveries, losses, damages, fines, penalties, or other costs or expenses of any kind or nature, including reasonable attorneys' fees & court costs, resulting from or connected to your violation of these Terms & Conditions, breach by the user or any of the representations and warranties herein, your violation of any law or the rights of a third party, or your use of this Website.

15. Communication

When you use the Website or send emails to Analah Insurance, you are communicating electronically with Analah Insurance. You give permission to Analah Insurance to send you communications electronically. Analah Insurance may contact you via phone, email, publishing notifications on the Website, or another normally accepted method of communication. You agree that all agreements, notifications, disclosures, and other communications we deliver to you electronically satisfy any legal requirement that such communication be in writing.

16. Site-Provided Email and Postings

The Site / Mobile Application may provide users with the ability to send email messages to other users and non-users and to post messages on the Site / Mobile Application. royalcover is under no obligation to review any messages, information or content ("Postings") posted on the Site / Mobile Application by users and assumes no responsibility or liability relating to any such Postings.

Notwithstanding the above, royalcover may from time to time monitor the Postings on the Site / Mobile Application and may decline to accept and/or remove any email or Postings. You understand and agree that you shall not to use any functionality provided by the Site / Mobile Application to post content or initiate communications or host, display, upload, modify, publish, transmit, store, update or share any information that contain: (i) Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law for the time being in force or is defamatory, obscene, pornographic, paedophilic, invasive of another privacy including bodily privacy, insulting or harassing on the basis of gender, libelous, racially or ethnically objectionable, relating or encouraging money laundering or gambling, or otherwise inconsistent with or contrary to the laws in force; (ii) Advertisements or solicitations of any kind; (iii) Impersonate others or provide any kind of false information or belongs to another person and to which the user does not have any right; (iv) Personal information such as messages which state phone numbers, account numbers, addresses, or employer references.; (v) Messages by non-spokesperson employees of royalcover purporting to speak on behalf of royalcover or containing confidential information or expressing opinions concerning royalcover; (vi) Messages that offer unauthorized downloads of any copyrighted or private information or infringes any patent, trademark, copyright or other proprietary rights; (vii) Multiple messages placed within individual folders by the same user restating the same point; (viii) Chain letters of any kind; (ix) Identical (or substantially similar) messages to multiple recipients advertising any product or service, expressing a political or other similar message, or any other type of unsolicited commercial message; (x) is harmful to child; (xi) deceives or misleads the addressee about the origin of the message or knowingly and intentionally communicates any information which is patently false or misleading in nature but may reasonably be perceived as a fact; (xii) impersonates another person; (xiii) threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign States, or public order, or causes incitement to the commission of any cognisable offence or prevents investigation of any offence or is insulting other nation; (xiv) contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource; or (xv) is patently false and untrue, and is written or published in any form, with the intent to mislead or harass a person, entity or agency for financial gain or to cause any injury to any person. This prohibition includes but is not limited to a) Using royalcover to send messages to people who don't know you or who are unlikely to recognize you as a known contact; b) Using royalcover to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases.

17. Links

Links to other World Wide Web sites or resources may be provided by the Website or by third parties. You acknowledge and agree that Analah Insurance is not responsible for the availability of any such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. Additionally, you acknowledge and agree that Analah Insurance will not be held responsible, directly or indirectly, for any harm or loss caused by or alleged to have been caused by, use of, or reliance on any such content, goods, or services made available on or through any such site, mobile application or resource.

18. Accessibility to a Secure/Password Protected Area

Only authorized users are allowed access to and usage of the password-protected and/or secure portions of the Website. Unauthorized users who try to access these portions of the Website risk legal action.

19. Modification & Notification of Changes

The Website, associated policies and agreements, these Terms & Conditions, and the Privacy Policy are all subject to modification at any time, and Analah Insurance maintains the right to do so. If Analah Insurance modifies these Terms of Conditions materially, it may let you know by:

(i) Post a prominent notification/announcement above or below the text of these Terms & Conditions or any other policy for 30 days, as applicable, is considered sufficient notice of such changes. The notification/announcement will be taken down 30 days after it has been placed informing users of a change to these Terms & Conditions or any other policy. In case you have not used the Website for more than 30 days, you should check the Terms & Conditions or any other Policy, prior to the further use of the Website.

If you wish to terminate your account due to any modification or change in the Terms & Conditions or any other Policy, you may write to us at [email protected]. If you continue to use the Website, you understand that by doing so you will be deemed to accept the new Terms & Conditions and other policies.

20. Trademarks

The trademarks, logos, and service marks (collectively, "Marks") displayed on the Website belong to Analah Insurance, 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 Analah Insurance or such third party which may own the Marks. All information and content including any software programs available on or through the Website (collectively “Content”) is protected by copyright. Any Content made accessible on or through the Website may not be changed, copied, distributed, transmitted, displayed, published, sold, licenced, turned into creative works, or used for any public or commercial gain by Users.

21. Continuation of Terms After Agreement Ends

Any clause in these Terms & Conditions, that places or anticipates continuing obligations on a party will survive its expiration or termination, regardless of any other clauses or general legal principles to the contrary.

22. General Terms & Conditions

The parties agree that the court should endeavor to give effect to the parties' intentions as expressed in the provision if any of these conditions are found to be invalid, void, or otherwise unenforceable. The unenforceable condition will be deemed severable and will not affect the validity and enforceability of any remaining condition. The scope and extent of a section are not limited by the headings, which are merely there for reference.

These Terms & Conditions and the relationship between you and Analah Insurance will be governed by the laws of India without regard to its conflict of law provisions. Regarding any legal actions that may be related to these Terms of Conditions, you and Analah Insurance concur to submit to the personal jurisdiction of the Mumbai courts.

The failure of Analah Insurance to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches.

Analah Insurance does not assure that it will enforce these Terms & Conditions against all breaches. There shall be no third-party beneficiaries to these Terms & Conditions unless expressly stipulated otherwise in these Terms & Conditions. These Terms & Conditions supersede any earlier agreements between you and Analah Insurance with regard to the Website and sets forth the terms and conditions for your use of the Website.