Legal

Personal Data

The word "data" used here means personal information about you, such as your name, birth date, e-mail ID address or mailing address, and any other information that is identified with you personally including your individual information. Please note that only information you give us voluntarily will be used on our websites. When you furnish information on our website, you may provide your name and other contact information, including your, company's name, your e-mail address, and your mailing address or the mailing address of your company or other personal information. You may choose not to fill out all of the information on a form. Most registration forms require only your name, phone no. and e-mail address. Please note that Company does not collect or retain any identifying information about you when you use the search features.

Use of Personal Data Collected Through the website

We use the personal data to allow you to access specific account information. We may use the information provided by you to customize your visit to the Web Site by displaying appropriate content at our judgment and discretion.

We may use your data to send you information about products and services offered by us, to contact you for policy reminder notices, claims processing and to keep you updated on the insurance sector and the Company. We may use the data to contact you for policy reminder notices, claims processing and to keep you updated on information.

Anonymous Data

At times, Company may use technology to collect anonymous information about the use of our websites. For example, we may use technology to track how many visitors access our websites, the date and time of their visit, the length of their stay, and which pages they view. The technology we adopt will not identify you personally. It will only enable us to compile statistics about visitors and their use of the Website. The Company and its affiliates may use this anonymous data and share it with third parties to improve the content and functionality of our websites, to better understand our customers and markets, and to improve our products and services.

Cookies

We store cookies on your computer when you visit our Website. A cookie is a small text file that is stored on users’ computer for record-keeping purposes. The primary purpose of these cookies is to study how you move within the Website. Cookies let you view customized pages while transacting with us. Our cookies do not collect or store confidential or personally identifiable information. As such cookies are required if you want to buy a policy online from us. We also use analytic tools to track visitor traffic on website. Some of our business partners such as chat support use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by www.universalsompo.com only and does not cover the use of cookies by any third parties.

Disclosure of Your Personal Data

Company may share some or all of the personal data collected through this website with our affiliates, who use this data in accordance with this Privacy Policy. Company or its affiliates may share personal data collected through its websites with third-party vendors who act for or on behalf of Company or its affiliates (for example, companies that provide support services to us, including data processing services, or that help us market our products and services). These companies may need information about you in order to perform their functions. These companies are not authorized to use the information we share with them for any other purpose. In addition, there may be some other, limited circumstances in which Company or our affiliates may share or transfer the personal data in our databases, for example, to comply with a legal requirement, for the administration of justice, to protect your vital interests, or in the event of a corporate sale, merger, reorganization, dissolution, or similar event.

The Company undertakes not to disclose, except as otherwise provided, your personal information provided by you to any person, unless such action is necessary to:

• Conform to legal requirements or comply with legal process.
• Protect and defend the Company’s or its affiliates' rights, interests or property.
• Enforce the terms and conditions of the products or services or terms of use. or
• Act to protect the interests of the Company, its affiliates, or its members, constituents or of other persons.

This privacy policy applies only to Company's website. If you visit a website, please take a moment to review the privacy policy posted on that site to learn what personal data may be collected through that site and how it is processed.

Company's websites contain hyperlinks to websites that are not operated by Company or one of our affiliates. These hyperlinks are provided for your reference and convenience only and do not imply any endorsement of the activities of these third-party websites or any association with their operators. Company does not control these websites and is not responsible for their data practices. We urge you to review the privacy policy posted on any site you visit before using the site or providing any personal data about yourself.

Governing Law

The privacy policy herein forms part and parcel of the website Terms and Conditions and as such shall be governed by and construed in accordance with the laws of India and the courts at Mumbai have exclusive jurisdiction over all matters.

Questions and Changes to Policy

Any questions about this privacy policy or concerns about the way Company processes your personal data, please contact us. The Company is continually improving and adding new functionality and features to its website besides its existing products, services, and programs. Because of these ongoing changes, changes in the law and the changing nature of technology, Company's data practices will undergo changes from time to time. If and when data practices change, Company will post the changes on its websites to notify you of the changes. We encourage you to check this page frequently. This policy was last updated on [05-04-2011]

Terms of Use

Introduction

This Website is created and maintained by Universal Sompo General Insurance Company Limited (“Company”) to provide information to and communicate better with general public interested in Information about Company and the products and services it offers. Your use of this Website is subject to complying with these terms and conditions.

Acceptance of These Terms and Conditions

By accessing this Website and using its content, you acknowledge and agree that you have read and understood the following terms of use and you agree to be bound by them. Please note that you may not use the Website, if you do not agree with these terms of use.

Use of Content

The content is available for informational purposes only. The posting of content and access to this Website does not render, either explicitly or implicitly, any provision of services or products by us. Information concerning financial products or services is only available through the Company.

Change in Terms and Conditions

The Company reserves the right to update or modify these terms and conditions at any time without prior notice. Your use of this web site following any such change constitutes your agreement to follow and be bound by the terms and conditions as changed. For this reason, we encourage you to review these terms and conditions every time you use this web site. These terms and conditions were last revised in 2010.

Copyright Notice and Limited License

All content, including data, information of any kind and business details of this Website is protected by copyright with all rights reserved. All rights in the pages, site content and arrangement are owned by Universal Sompo General Insurance Company or its affiliated companies. You are prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of "framing" technology, publishing, selling, licensing, creating derivative works or using any site content for any purpose without the prior written approval of the Company.

A visitor may download, store, print, and copy selected portions of the Content of this site, provided:

• The visitor uses the content for personal, noncommercial use or to further business dealings with Company.
• The visitor does not publish or post any part of the Content on any other website without obtaining the prior written consent of Company.
• The visitor does not publish or broadcast any part of the Content in or on any other media without obtaining the prior written consent of Company or modify or alter the Content in any way or delete or modify any copyright or trademark notices or notices of confidentiality.

No right, title or interest in the content is transferred to any party from this site.

The Company reserves and retains all intellectual property rights in any Content you download from this site.

Except as expressly stated above, no other permission or allowance is made to any visitor on the website without first obtaining written permission from Company.

Trademark Notice

All of the trademarks, service marks and logos displayed on this web site (the "Trademark(s)") are registered and unregistered trademarks of Company, or one of its affiliates, or third parties who have licensed their Trademarks to Company. Except as expressly stated in these terms and conditions, you may not reproduce, display or otherwise use any Trademark without first obtaining Company's written permission. You agree not to affect / interrupt or attempt to affect / interrupt the operation of this website in any way.

In case you submit information or materials to Company through this web site, you assign to Company, free of charge, all worldwide rights, title and interest in all copyrights and other intellectual property rights in the information or materials you submit. Company will be entitled to use any information or materials you submit through this web site for any purpose whatsoever, without restriction and without compensating you in any way.

Third Party Linkages

For your convenience and ease of use there may be hyperlinks or referenced websites on the Universal Sompo General Insurance Company website which may forward you to third parties' websites, which generally are recognised by their top-level domain name. Their content has not been investigated or analysed by us, and we do not warrant the adequacy, accuracy, reliability or completeness of any information on hyperlinked or referenced websites and expressly disclaim any liability for any and all of their content. If you are directed to any outside websites, we shall not be responsible for the use thereof and you may be governed by the terms of those websites.

Warranty

All content on this Website, including but not limited to graphics, text and hyperlinks or references to other sites, is provided "as is" basis and without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or other harmful components. Further the Company does not warrant the adequacy, accuracy, reliability or completeness of any information on the Website and expressly disclaim any liability for errors or omissions therein. We do not warrant that the functions of the Website will be uninterrupted and/or error-free, that defects will be corrected or that the Universal Sompo website or the server that makes it available are free from computer viruses or other harmful components.

Limitation of Liability

Please note that your use of this Website is at your sole risk and under no circumstances, shall the Company, its affiliates or any of their associates, respective directors, officers, employees, or agents, be liable for any direct or indirect losses or damages arising out of or in connection with your use of or inability to use this web site or your reliance on any information provided on this web site. This is a comprehensive limitation of liability that applies to all losses and damages of any kind whatsoever, whether direct or indirect, general, special, incidental, consequential, exemplary or otherwise, including without limitation, loss of data, revenue or profits. This limitation of liability applies whether the alleged liability is based on contract, negligence, tort, strict liability or any other basis and even if an authorized representative of company or its affiliates has been advised of or should have known of the possibility of such damages.

Severability

In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes close to the intention underlying the unenforceable provision.

Governing Law and Jurisdiction

The Terms and Conditions herein shall be governed by and construed in accordance with the laws of India and the courts at Mumbai have exclusive jurisdiction over all matters.

Mobility

• Read external storage: Our app requires reading permission of external storage in order to get policy related images, files and documents from user’s device.
• Write external storage: This permission in our app is required to download and save user’s policy documents on their mobile devices.
• Camera: App requires this permission to capture/click images for uploading profile image and documents in the KYC Docs module.
• Call phone: This will help user to enable in-app calling functionality to reach in case of an emergency and contacting us.
• Access fine location: This service will help users to avail nearby list of network garages and service providers on Google maps in the USGI PULZ app.
• Receive and read SMS: This permission is required for receiving OTP for user verification.
• Internet: This permission is required for checking internet connectivity in case of slow internet connections.