Term Of Use

Our core business is non-life insurance in India. The information provider's [who are public/policy holders/customer of BAGIC and referred to as “Information Provider”] or his/her family members’ Personal information [hereinafter referred to as “Information Provider’s Personal Information”] are confidential matters and BAGIC recognizes the same. BAGIC is committed to keep the information/Information Provider’s Personal Information confidential and secure and the Information Provider is protected, not only by the applicable privacy laws, but, more importantly, by BAGIC's commitment to safeguard privacy of Personal information.

The Information Providers can surf all BAGIC’s websites/App/wallet [which are available to public] anonymously either for the purposes of online purchase/renewal of Insurance Products of BAGIC and or for his/her information/knowledge or to avail any additional services of any other service providers for which BAGIC provide the facilitation service as free service without any recourse or responsibility on BAGIC for such service provider and Services of such service provider. When the Information Providers surfs BAGIC’s websites/App/wallet (i) for the purpose of his/her information as to various blogs/inputs/observations which are general in nature and may pertain to the additional facilitation services which BAGIC may provide to public at large/policy holders to inform them of the information as to other service providers and their services viz: Agriculture, Health, Motor, Travel, EW, Home etc., which can be purchased/bought by public at large/policy holders directly from such service providers. or (ii) Information Provider’s Personal Information is collected through any other mode/source viz. proposal forms/ renewal notices, non-disclosure agreement, emails, or through call center, or any other modes of communication whether at the time of leads, or in the process of solicitation or procurement, or while servicing the customers or when claims communications are being made by customers, at any time, BAGIC will be collecting, processing and using the Information Provider’s Personal Information or sensitive personal data/information . The Information Provider is requested to kindly note that, while surfing/accessing BAGIC’s websites/App/wallet or the information provided through any of the above given modes, for whatever purpose, when personal information/data and or sensitive personal data/information is provided by the Information Provider it is sufficient authorization and or deemed authorization to BAGIC to call back the Information Provider or store and use the personal information/data and or sensitive personal data/information of the Information Provider or any family members of Information Provider for the purpose of solicitation and procurement of business by BAGIC. In this regard the Information Provider or his/her family members will not be informed separately and surfing/accessing BAGIC’s websites/App/wallet or providing the information, Personal information or sensitive personal data/information of the Information Provider or any family members of Information Provider by any of the above means shall be sufficient consent given by Information Provider or his/her family members that such Information Provider’s or his/her family members Personal Information /sensitive personal information of information may be used by BAGIC for sending/calling for any promotional purposes, for marketing of any products of BAGIC, for lead generation, cross-sell, soliciting and procuring any business for BAGIC without any limitation of whatsoever and you hereby give your irrevocable consent for the same and in this regard you shall not hold BAGIC liable for use the information/personal data/sensitive personal data. As is true of most websites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, (which does not identify individual users, unless an attempt to damage the site has been detected), to analyse trends, to administer the site, to track user movements around the site and to gather demographic information about our user base as a whole. IP addresses are tied to personally identifiable information to help us customise your visit to our website so that you like the experience. However, we would like to reiterate that this information is not shared with third parties, for their promotional purposes. We store a cookie on your computer when you visit our website. A cookie is a small text file that is stored on a user's computer for record-keeping purposes. The primary purpose of these cookies is to analyse how users move within our website. Our cookies let you view customised pages while transacting with us. Our cookies do not have confidential or personally identifiable information. Since we use session ID cookies, they do not track a user after leaving our Website. A session ID cookie expires when you close the browser. It is 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 https://www.bajajallianz.com/about-us/privacypolicy.html only and does not cover the use of cookies by any third parties. BAGIC store all the Personal information and or sensitive personal data/information in our servers/servers of service providers with all safeguards and such preserving of Personal information or sensitive personal data/information shall be for such period as per policy of BAGIC. Notwithstanding telephone/mobile of the Information Provider and his/her family members’ Personal information is registration with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited tele calls, by the Information Provider’s accessing BAGIC’s websites/App/wallet [which are available to public] and surfing/accessing and leaving the BAGIC website/App/wallet half way (i) enquiring/verifying BAGIC’s products/services and or the Information Provider making a request to call him back, or (ii) for his/her information/knowledge, or (iii) to avail any additional services of any other service providers for which BAGIC provide the facilitation service as free service without any recourse or responsibility (iv) or by Information Provider providing the information of himself and his/her family members under any of the modes mentioned hereinabove and or any other modes of whatsoever, it is deemed that the Information Provider has expressly authorized BAGIC and or the Information Provider hereby authorize BAGIC to call him/her back or send text messages or emails to the Information Provider for sending promotional messages/emails/information or for solicitation and procurement of various insurance products, or for cross sell/renewal, and for services of BAGIC and also for service calls. In this regard notwithstanding the registration/non-registration under NDNC, and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited tele calls, the Information Provider or any family members of him/her shall not have any complaint or objections of whatsoever nor complain to TRAI/IRDAI as to any alleged unsolicited calls by BAGIC to the Information Provider or any family members of him/her or with any other complaint.

We may use third-party service providers to serve advertisements on our behalf across the internet and sometimes on this Website. They may collect anonymous information about your visits to Website, and your interaction with our products and services. They may also use information about your visits to this and other Websites. This anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major Websites. No personally identifiable information is collected or used in this process.

In some cases, BAGIC may share the Information Provider’s Personal information and or sensitive personal data/information with our employees, group companies, licensed agents, telemarketers, legal advisers, consultants, Service Providers, auditors etc. In such cases the Information Provider is deemed to have permitted BAGIC to so disclose and use the same for their respective requirements and or for the purpose of their acting on our behalf and or for their offering their Services/products on our behalf. If sensitive personal data/information is collected by us on BAGIC’s websites/App/wallet or by any other modes mentioned hereinabove by authorized person/s on behalf of BAGIC only in cases where it is required and considered necessary for offering the respective products/services of BAGIC and group companies of BAGIC and subject to what is stated elsewhere in this privacy policy, BAGIC will use sensitive personal data/information only for offering the BAGIC’s products/services. Further, any Personal information or sensitive personal data/information may be disclosed, without consent of Information Provider, to government authorities, courts, statutory authorities, financial institutions/credit bureaus/agencies/ participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and or as per provisions of laws, or to any third parties as per directions received under laws, as the case may be.

BAGIC respect the Information Provider’s privacy rights, particularly the Information Provider’s right to access his/her information. If the Information Provider asks us, and to the extent provided by Indian law, BAGIC will share with the Information Provider the personal information BAGIC collect/collected and retained about the Information Provider through BAGIC’s websites/App/wallet. BAGIC will keep the Information Provider’s data accurate, but for any mistakes BAGIC shall not be liable or responsible provided always BAGIC shall not be responsible for the authenticity of the personal information or sensitive personal data or information provided by the Information Provider to BAGIC or to any other person acting on behalf of BAGIC. Please provide us with any changes or corrections in data/information of Information Provider or his/her family members’ by sending your request to our grievance officer. As and when request is sent by Information Provider to our grievance officer, to review the personal information or sensitive personal data or information, BAGIC will review/update as per request and inputs of the Information Provider and if personal information or sensitive personal data or information is found to be inaccurate or deficient or has to be updated/revised due to change, then BAGIC will correct or amend as feasible. BAGIC will comply with their obligations of secrecy.

BAGIC will take and implement the reasonable security practices, procedures and standards as per Policy of BAGIC, which will be as required and or not less than the applicable laws.

We reserve the right to change, modify, add to, or remove portions of this Privacy Policy and accordingly this Privacy Policy is liable to be changed at any time at the sole discretion of BAGIC and the changed/revised Privacy Policy shall be automatically be applicable to the Information Provider or his/her family members’.

The Information Provider shall comply with all the terms and conditions of “Terms of Use” of BAGIC’s websites/App/wallet.

Address : 3rd Floor, IT Department, Bajaj Allianz House, Airport Road, Yerawada, Pune 411006, Tel : +91-020-66026666, Fax : +91-020-66026667, Email : customercare@bajajallianz.co.in, Website : www.bajajallianz.com

By accessing this websites/App/wallet (all together referred to as the "Bajaj Allianz Website") and using its content, you acknowledge and expressly agree that you have read and understood the following terms of use [“Terms of use”] and you agree to be bound by Terms of Use. Do not use the Bajaj Allianz Website, if you do not agree with these Terms of Use. As used below, the terms "we", "us" and "our" refer to Bajaj Allianz and its Group Companies (e.g "Bajaj Allianz Life Insurance Co. Ltd., Bajaj Finance Ltd, Bajaj Finserv Ltd, Bajaj Allianz Staffing Solutions Ltd, Bajaj Allianz Financial Distributors Ltd and other Group Companies").

The content/information/blogs/facilitation services are available only for informational purposes. The posting/display of content/blogs/opinions/expressions/ notes/comments/criticism on/at Bajaj Allianz Website are only informative and personal to respective author/s and is not necessarily the opinion and recommendation of Bajaj Allianz and access to this Bajaj Allianz Website and reading of content/blogs/opinions/expressions on/at Bajaj Allianz Website does not in any way render and bind Bajaj Allianz for such posting/display of content/blogs/opinions/expressions/ notes/comments/criticism and also same shall not be taken as to render, either explicitly or implicitly, any provision of services or products by us. Therefore Information concerning financial products or services (including insurance, asset management and banking) is only available through the respective Bajaj Allianz Website.

The various offers/discounts/coupons/services/products mentioned/displayed in Bajaj Allianz Website which are not relating to general insurance products of us are directly offered/provided to by respective companies/entities/service providers on their own to you upon accessing/surfing Bajaj Allianz Website and same can also be withdrawn by respective companies/entities/service providers at any time at their sole discretion without prior notice to Bajaj Allianz or to you. Bajaj Allianz do only general insurance business and does is neither associated with nor offering/selling/providing any services/products other than general insurance products and as the offers/discounts/coupons/services/products are solely and independently offered by respective companies/entities/service providers and Bajaj Allianz is only a mere facilitator to help and support you for various offers/discounts/coupons/ services/products offered/provided by respective companies/entities/service providers to you upon your accessing the Bajaj Allianz website. Bajaj Allianz does not represent, assure or endorse the accuracy, completeness, reliability or the quality of the offers/discounts/coupons/ services/products of respective companies/entities/service providers and shall not be in any way liable or responsible for any deficiency of services or non-providing the services or losses or damages or withdrawal of discounts/coupons/not honouring the coupons, if any, incurred/experienced by you as a result of your availing or subscribing to the offers/discounts/coupons/services/products of respective companies/entities/ service providers. Decision to avail and reliance upon the offers/discounts/ coupons/services/products of respective companies/entities/service providers shall be taken by you after careful and independent sole decision of you at your own risk and Bajaj Allianz is not in any way be responsible/liable for the same. The offers/services/products by respective companies/entities/ service providers are only Value-added Services through our facilitation services to help you and the same are neither part of our insurance covers/risk/benefits offered by Bajaj Allianz nor Bajaj Allianz is in any way be responsible or liable. Accordingly, for any offers/discounts/coupons/services/products of respective companies/entities/ service providers you may avail from/on Bajaj Allianz Website you shall directly contact the respective companies/entities/ service providers for all your required information/grievances. For the convenience of you, even if offers/services/products by respective companies/entities/ service providers are made available to you through API integration of Bajaj Allianz Website with website of respective companies/entities/ service providers, Bajaj Allianz shall no way be responsible and liable to you either for deficiency, non-provision, delay in providing the services or any other issues of whatsoever and same shall be sole responsibility and liability of respective companies/entities/ service providers.

The information on the Bajaj Allianz Website is or should neither be interpreted as an offer nor a solicitation for an offer, nor as investment, legal, tax or other advice of Bajaj Allianz. You shall take advise/opinion of your expert adviser and accordingly you shall take your voluntarily and independent decision to avail any of the insurance products of Bajaj Allianz. Therefore, the content/blogs/opinions/expressions on/at Bajaj Allianz Website shall not be solely relied for your purchasing the insurance products of Bajaj Allianz.

All content on the Bajaj Allianz Website is published as of its date only. We assume no responsibility to update or amend. Any modifications/changes to these Terms and Conditions shall be automatically part and parcel of these Terms and Use and you shall accordingly bound by these Terms and Use read with modifications/changes, from time to time.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED, FOR ITS GENERAL INSURANCE PRODUCTS AND OR THE ADD ON/VALUE ADDED SERVICES OF RESPECIVE COMPANIES/ENTITIES/SERVICE PROVIDERS AND BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED, AND ITS SUBSIDIARIES AND GROUP COMPANIES/AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. FOR THE ADD ON/ VALUE ADDED OFFERS/SERVICES/PRODUCTS [OTHER THAN GENERAL INSURANCE PRODUCTS] DISPLAYED ON BAJAJ ALLIANZ WEBSITE ONLY THE RESPECTIVE COMPANIES/ENTITIES/ SERVICE PROVIDERS ARE RESPONSIBLE AND LIABLE AND BAJAJ ALLIANZ IS NOT IN ANY BE CONCERNED NOR RESPONSIBLE TO YOU. Bajaj Allianz does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that the Bajaj Allianz website or the server that makes it available are free of viruses or other harmful components. Bajaj Allianz does not warrant or make any representations regarding the use or the results of the use of the materials on the Bajaj Allianz Website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Bajaj Allianz) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.

All content of the Bajaj Allianz Website is protected by copyright and Intellectual Property Rights [IPR] with all rights reserved with Bajaj Allianz. All rights in the pages, site content and arrangement are owned by Bajaj Allianz and/or the respective Bajaj Allianz Group companies/Affiliates. You are expressly prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of "framing" technology or otherwise, publishing, selling, licensing, creating derivative works or using any site content for any purpose without the prior written approval of Bajaj Allianz and/or the respective Bajaj Allianz Group Companies. While on/in/using the Bajaj Allianz Website you are bound by the Privacy Policy of Bajaj Allianz which is published/displayed in/on Bajaj Allianz Website

The trademarks/trade names/logos appearing on the Bajaj Allianz Website and/or any other Bajaj Allianz Group Companies' respective websites/App/wallet are the property of Bajaj Allianz and/or of those Bajaj Allianz Group Companies. You are not allowed to copy, use or adopt any of the same for whatsoever purpose.

All content on the Bajaj Allianz Website, including but not limited to graphics, text and hyperlinks or references to other sites, is provided "as is" basis 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 free from computer viruses or other harmful components. We do not warrant the adequacy, accuracy, reliability or completeness of any information on the Bajaj Allianz Website and expressly disclaim any liability for errors or omissions therein. We do not warrant that the functions of the Bajaj Allianz Website will be uninterrupted and/or error-free, that defects will be corrected or that the Bajaj Allianz Website or the server that makes it available are free from computer viruses or other harmful components.

We expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages, loss of goodwill, loss of profit etc., arising out of or in any way connected with your access or use or inability to access or use the Bajaj Allianz Website or reliance on its content, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with the Bajaj Allianz Website, regardless of our knowledge thereof and also for availing any insurance products of Bajaj Allianz and or any add on/value added services of respective companies/entities/ service providers

Certain hyperlinks or referenced websites/App/wallet on the Bajaj Allianz Website may for your convenience forward you to third partie’s websites/App/wallet, which generally are recognized by their top level domain name. Their content has not been investigated or analyzed by us, and we do not warrant the adequacy, accuracy, reliability or completeness of any information on hyperlinked or referenced websites/App/wallet and expressly disclaim any liability for any and all of their content. By accessing the Bajaj Allianz Website, you also agree to abide by the proprietary guidelines set forth at any website accessed or hyperlinked to through the Bajaj Allianz Website

The Bajaj Allianz Website is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of the Bajaj Allianz Website is prohibited. Persons in respect of whom such prohibitions apply or country in which it is prohibited, if any, must not access the Bajaj Allianz Website.

We reserve the right to change, modify, add to, or remove portions of these Terms of Use at any time and accordingly these Terms of Use is liable to be changed at any time at the sole discretion of BAGIC and the changed/revised Terms of Use shall be automatically be applicable to you and you shall be bound by the same and comply with it

On surfing/accessing and while in/at/on Bajaj Allianz Website, you are expressly prohibited and you shall not (i) upload any of the photos/videos/music/pictures/ screenshots/graphs/tables/any other material/contents/documents of whatsoever nature through electronic or any other mode, (ii) put any URL links/weblinks/ hyperlinks in Bajaj Allianz Website, and (iii) shall not put/write/post/comment of whatsoever which is of defamatory to Bajaj Allianz and or any other persons/party/government/s. Bajaj Allianz shall not be in any way be responsible for the above prohibited acts and also reserves to take suitable actions against you for the same. You are responsible for the content you post – Bajaj Allianz Website can be used only for information purpose by you. Keep in mind that you remain solely responsible for the content that you post, including any photos/videos/music/pictures/ screenshots/graphs/tables/any other material/contents/documents of whatsoever nature through electronic or any other mode You cannot post/type/keep private or confidential information or do anything that violates intellectual property rights of any third party.

We shall reserve a right to remove any content or information you post on Bajaj Allianz Website if we believe it violates our Terms of Use, our policies or if that content is anyway not allowed to post as per applicable laws in India or infringes copy right/IPR rights of any third party in any manner.

Any action arising out of these terms or this Bajaj Allianz Website shall be exclusively governed by applicable Indian Laws, and the courts located in Pune, India shall have exclusive jurisdiction, and you agree to submit to and bound by the applicable Indian Laws and exclusive jurisdiction of Pune courts and also further agree that they are a convenient forum for you. 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.

ICRA Limited (an Associate of Moody's Investors Service) has assigned an outstanding rating of "[ICRA]AAA" (pronounced [ICRA] triple A) rating which indicates highest degree of safety regarding the timely servicing of our policyholder obligations. This is the highest rating and indicates highest degree of safety for timely delivery of financial obligation and a fundamentally strong position. The prospect of meeting policyholder obligations is the best. The reaffirmation of the outstanding rating, continuously though out the years takes into consideration the company's strong parentage to provide operational, managerial and financial support, strong capitalization and solvency level, prudent underwriting and reinsurance strategy besides the high growth prospects and established market position in the general insurance industry and steady underwriting performance leading to strong profitability metrics.

We at Bajaj Allianz General Insurance send you information on our latest products and services. We convey such information by e-mail or the phone and only to those who we think will find these products and services interesting and beneficial. We respect your privacy, and appreciate that some of you may not want to be contacted over the phone for our telemarketing activities or receive e-mailers. In case you do not want us to contact you on your cell phone or landline number or email address, kindly fill the Do Not Call Form. We will take all efforts not to disturb you on the numbers and email addresses provided by you. Please allow 30 working days for the removal of the specified numbers or email address from our databases. In case you continue to receive phone calls or sms from us please email us at donotcall@bajajallianz.co.in