This Website, which is owned and maintained by us, grants users access to an online collection of information and materials and specific online services provided by us. The pronouns "we," "us," and "our" pertain to Sankalp Insurance. The contents provided on this platform may contain information about certain insurance products and services ("Products and Services") and insurance-related services we offer. The Website includes various forms of Content such as text, pictures, graphics, logos, button items, images, works of authorship, and other material related to the Products and Services. This Content, along with any information and material about the Products and Services, is collectively called "Content". Additionally, the Website may offer access to specific proprietary Software used to navigate and utilize the functionality provided, referred to as "Software".
The usage and access of this Website are governed by these terms of use ("Terms of Use"), in addition to all relevant laws and regulations. Kindly review these Terms of Use attentively. Suppose you do not consent to and agree to be legally obligated by any of these Terms of Use. In that case, you are not permitted to access or otherwise utilize This website and any content, services, or Software found on it. By entering and using this Website, you recognize and consent to adhere to all the terms and conditions specified below. Unless stated otherwise, any additional Services, Content, and Software included in this Website shall likewise be governed by these Terms of Use from the date of their inclusion. We strongly advise you to regularly review the Website and these Terms of Use for any revisions or modifications.
To determine the availability of Products and Services in your State, kindly contact one of our designated agents or your insurance agent.
This Website may include concise descriptions or other informative Content about products and services. We strive for utmost precision, but any such documents aim to provide a general description of the Products and Services and are subject to the precise terms and conditions of the actual policy or product/service agreement they pertain to. Complete policy terms can be provided upon request.
Users are permitted to download and print information from this Website for personal use as long as they maintain the integrity of the Content and refrain from modifying or removing any copyright or other notices (such as trademarks or patents) embedded in the information. Unless explicitly stated otherwise, you are not allowed to change, edit, duplicate, distribute (for payment or otherwise), send, showcase, execute, reproduce, reuse, publish, authorize, frame, download, store for later use, create imitative works from, transmission, or sell any information or Content acquired from this Website, whether it be text, images, audio, or video, in any way, without obtaining our written permission beforehand. Unauthorized use of Content, including photographs, is strictly prohibited unless explicitly approved by us. We cannot guarantee or affirm that your utilization of Content, Services, Software, or any other things shown on this Website will not violate the rights of third parties.
Additionally, about your utilization of the Website, you consent to refrain from:
(a) Fabricate a fraudulent persona to deceive others or assume the identity of anyone or organization, including our agents. Additionally, refrain from making false claims or misrepresenting your association with any person or business.
(b) You are not allowed to register, subscribe, attempt to register, unsubscribe, or attempt to unsubscribe any party for any Services unless you have explicit authorization from that party.
(c) Present any information that is inaccurate, deceptive, excludes essential details, or is generally erroneous or incomplete in a significant way;
(d) Uploading or distributing any Material that is illegal, dangerous, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, or otherwise offensive or that may violate someone else's privacy or public image is strictly banned.
(e) You are prohibited from uploading or transmitting any Material you do not have the legal right to reproduce, display, or transmit, either by law or by contractual or fiduciary obligations.
(f) Send files that include malicious Software, such as viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other harmful programs that could damage another person's computer or property.
(g) You are prohibited from uploading or transmitting any Material that violates any party's intellectual property rights, such as patents, trademarks, service marks, trade secrets, copyrights, or other proprietary rights.
We have the authority to take any legal steps that we see suitable in response to confirmed or suspected violations of the terms above, which may include, but are not limited to, suspending or terminating the user's access and account.
Additionally, we are not liable for any consequences arising from your decision to visit or interact with these websites. Such details include terms of use and privacy policies that you should examine. We have no duty to keep any link on our Website and can remove a link at any time at our discretion, for any reason. We do not assume responsibility or liability, whether directly or indirectly, for any damages or casualties resulting from utilizing or relying on the Content, products, services, or other items provided on or via any website. We disclaim all obligations for the privacy practices of any other websites.
The information and descriptions provided here must comprehensively explain the terms, exclusions, and conditions that apply to the Products and Services. They are only intended for general informational purposes. For a full rundown of all terms, conditions, and exclusions, please refer to the policy or applicable product/service agreement. If you decide to buy a product from us or a third party, the terms and conditions that apply to that transaction will control the purchase. Your use of this Website does not impact that purchase.
This Website offers planning and instructional resources, which may include calculators. These tools and calculators enable you to simulate hypothetical situations, providing exemplary results derived from specified facts and assumptions. There needs to be assurance that the displayed findings are necessarily precise or attainable. Furthermore, it should be noted that these tools and calculators are not included in any planning report you may have paid for, regardless of whether they incorporate information generated from or contained in such a report.
Using this Website carries inherent risks that you alone are responsible for. All services, Content, and Software are provided in their current state and availability. We explicitly reject all warranties and conditions, including all warranties, whether express or implied, and those about merchantability and fitness for a certain purpose. We do not guarantee the accuracy, timeliness, uninterrupted operation, virus-free nature, or error-free performance of the services, Content, and Software. Additionally, we cannot guarantee that any issues of this nature will be resolved.
The user understands and accepts that we are not liable for any kind of damages, whether direct, indirect, incidental, special, consequential, or exemplary. This includes damages for services or products lost, data lost, use lost, or any other intangible loss. The user is accountable for any damages arising from the inability to use the website, services, content, or Software. They are also responsible for the cost of obtaining substitute products and services if any data, information, products, or services received from transactions or purchases made through the website are lost or damaged. Additionally, we are not responsible for the words or actions of any third party in connection with the Website, services, Content, or Software. If you suffer any kind of loss or harm from using our website, you agree that by doing so, you are waiving your right to sue us individually or join a class action lawsuit.
In specific legal systems, it may not be allowed to exclude certain guarantees or limit or exclude liability for incidental or consequential damages. As a result, some of the limits mentioned above may not apply to you.
Several states illegally limit or exclude implied warranties or damages. If you are subject to these laws, some or all of the disclaimers above, exclusions, or limitations may not apply to you, and you may possess additional rights.
By accessing our Website or sending us emails, you engage in electronic communication. You are consenting to obtain electronic communications from us when you use our services. You can reach us by email or over the announcements posted on this website. You agree that any electronic communications, including agreements, notifications, disclosures, and others, satisfy all legal requirements.
If you can create an account on this Website, granting you access to password-protected areas, you must complete the registration process. This involves providing us with up-to-date, comprehensive, and accurate information as requested in the registration form and selecting a password and username. It is your sole responsibility to ensure the secrecy of your password and account and oversee all actions carried out under your account. You must promptly inform us of any unsanctioned use of your account or any other security breach that you become aware of and fully log out of your account at the end of each online session. We shall not be held responsible for any financial or material harm you may suffer due to the unauthorized use of your password or account, whether or not you were aware of it. Nevertheless, you may bear responsibility for any financial or other damages suffered by us or a third party due to unauthorized access to your account or misuse of your password by another individual. Unauthorized usage of another individual's account is strictly prohibited without the explicit consent of the account owner.
Each disclaimer and condition of the Terms of Use should be read to the fullest extent allowed by law, ensuring their validity and enforceability. Suppose any provision in this agreement is committed to be invalid or unenforceable according to the law. In that case, that provision will be adjusted to make it legitimate and enforceable while still reflecting the original intention of the provision to the fullest extent practicable. If it is not possible or allowed to make such changes, If one part of this assent is found invalid or unenforceable, it will not impact the other parts in any way.
Any waiver of a term or condition stated above will not be considered a subsequent or ongoing waiver of that specific term or condition or any other term or condition.
We retain the authority to alter these Terms of Use without providing you with prior notification, and your ongoing utilization of the Website after such alterations will render them obligatory for you. These Terms of Use remain in effect until we terminate or alter them. If these Terms of Use are terminated, the disclaimers and limits of obligations stated in the Terms of Use shall continue to be in effect. The revised Terms of Use shall solely apply to conflicts that occur after the publication of the amendment on the Website. Once the Terms of Use have been altered, the Website will i a link to a Notification of adjustment for Website users for one (1) year following the adjustment's effective date.
The Federal Fair Credit Reporting Act regulates the utilization of reports transmitted through the iBIS system, the Driver's Privacy Protection Act, similar state statutes, and additional state and federal legislation. You are accountable for ensuring that your demands comply with the law. To obtain reports for underwriting reasons, it is necessary to have a fully filled-out application and the verbal consent of the consumer being investigated. To get consumer reports for insurance claims, it is essential to possess the signed written permission of the individual in question and adhere to the additional stipulations outlined by state and federal legislation.
The Federal Fair Credit Reporting Act establishes criminal sanctions, including a monetary penalty, a maximum prison sentence of two years, or both, for individuals who intentionally and knowingly acquire consumer information from a consumer reporting agency through deceit. Additionally, the Act imposes penalties on individuals who obtain such consumer information without a valid reason.
If you have any inquiries concerning your entitlements and responsibilities, please contact eBusiness Support at Ext. 3000 or agencyservices@fmins.com before utilizing the Website.
If you have any questions about these Terms of Use, please write to us at rajupatel@sankalpins.com.