Reach Assuree is proprietorship firm administrating by Ankur B Vekaria (hereinafter referred to as Proprietor) operates the website https://www.reachassuree.com to provide consumers choice and an easy access to Insurance Agents and insurance Brockers for to buy Products. These Products giving facilities to digital work on one single platform by multiple Insurance companies, Agents and sub-Agents.

Proprietor has no liability in relation to or arising any types of issues out of the Website Information and Website recommendations and purchase. As a customer, you are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a products or its terms and conditions ,you should seek further advice from Proprietor or the relevant participating insurers or any other at your end before choosing your product.

Our participating insurers provide most of the information with respect to their products available on their website and therefore there may be inaccuracies in the Website Information over which Proprietor has limited control.

Proprietor does not warrant or guarantee the timeliness, accuracy or completeness of the Website Information or Quality of the results obtained from the use of the Website.

Proprietor may pass on your personal information to the relevant participating insurer for only Insurance work, if you purchase a product from Proprietor however, Proprietor does not guarantee when or if you will actually acquire the product that you have chosen. Prorpietor does not accept any liability arising out of circumstances where there is delay in you acquiring the product you have chosen.

By visiting https://www.reachassuree.com and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as ‘User Agreement’), along with the terms and conditions as stated in our Privacy Policy (please refer to the Privacy Policy section below for more information).

This agreement is in effect as of 1st Sept 2022

Proprietor reserve the right to change this User Agreement from time to time without notice. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.

Responsible Use and Conduct

By visiting https://www.reachassuree.com and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as ‘Resources’), you agree to use these Resources only for the purposes intended as permitted by (i) the terms of this User Agreement, and (ii) applicable laws, regulations and generally accepted online practices or guidelines.

Wherein, you understand that:

• In order to access our Resources, you may be required to provide certain information about yourself (such as identification, contact details, etc.) as part of the registration process, or as part of your ability to use the Resources. You agree that any information you provide will always be accurate, correct, and up to date.

• You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.

• You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our Resources. Accordingly, you are responsible for all activities that occur under your account/s.

• Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks to which our Resources are located or connected, is strictly prohibited and its take as illegal

• Attempting to copy, duplicate, reproduce, sell, trade, or resell our Resources is strictly prohibited and its take as illegal.

• You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.

• We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product and Proprietor ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor the content posted by users of these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:

o Threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language is takes as illegal;

o Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party;

o Contains any type of unauthorized or unsolicited advertising.

o Impersonates any person or entity including any https://www.reachassuree.com employees or representatives.

We have the right at our sole discretion to remove any content that, we feel in our judgment does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any 3rd party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.

• We do not assume any liability for any content posted by you or any other 3rd party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any 3rd party copyrights or trademarks, becomes the property of Proprietor and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our Resources. All information provided as part of our registration process is covered by our privacy policy.

• You agree to indemnify and hold harmless Prprietor and its affiliates, and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfil any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defence of any claim for which we are entitled to indemnification under this User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Privacy

Your privacy is very important to us, which is why we’ve created a separate Privacy Policy in order to explain in detail how collect, manage, process, secure, and store your private information. Our privacy policy is included under the scope of this User Agreement. To read our privacy policy in its entirety, click here.

Limitation of Warranties

By using our website, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:

• The use of our Resources will meet your needs or requirements.

• The use of our Resources will be uninterrupted, timely, secure or free from errors.

• The information obtained by using our Resources will be accurate or reliable, and

• Any defects in the operation or functionality of any Resources we provide will be repaired or corrected.

Furthermore, you understand and agree that: • Any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content. • No information or advice, whether expressed, implied, oral or written, obtained by you from proprietor or through any Resources we provide shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this User Agreement. Limitation of Liability

In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. WE will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using our Resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.

Copyrights/Trademarks

All content and materials available on Proprietor website, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Proprietor and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by Proprietor.

Termination of Use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the Resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.

Governing Law

This website is controlled by Prprietor from our offices located at SURAT in the state of Gujarat, India. It can be accessed by most countries around the world. As each country has laws that may differ from those of Gujarat & India, by accessing our website, you agree that the statutes and laws of Gujarat & India, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site.

Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located at Surat ,Guajart in India,You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.

Guarantee

Unless otherwise expressed, "Reach Assuree". expressly disclaims all warranties and conditions of any kind , whether express or implied, including ,but no limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non – infringement.

Claims Services

• Any third party facility/offer(s)/service(s)/product(s) (“offer”) shall be subject to the terms and conditions of such third party which shall be applicable to the user. Prprietor do not endorse, make no representation and shall have no liability or obligation whatsoever in relation to such third party offer. All such third party offer shall be availed by user at their own risk and responsibility. Proprietor shall not be liable for any payment obligation in relation to such third party offer, which shall be user's responsibility.

• Prprietor reserves the sole right to modify, amend, change, refuse or revoke their respective services, any offers including third party offer herein at any time without assigning any reason and without any liability and notice.

• Any disputes arising pursuant to these terms and conditions are subject to the exclusive jurisdiction of courts in SURAT in the state of Gujarat,India.

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1. SERVICE

The website and mobile application provide you with information about our services and their packages. By using our website or mobile application and providing your personal information, you hereby confirm that you are interested in using and paying for the service(s) that you have chosen. By signing this agreement, you permit Reach Assuree to get in touch with you by phone or email to gauge your interest in the chosen service(s) and to meet your needs. You consent to receiving email or SMS messages from Reach Assuree with marketing materials and/or exclusive offers.

2. USER REPRESENTATIONS

By using the site and the app, you represent and warrant that:

(1)  You are not a minor in the country where you now reside.

(2)  You agree that the registration data you provide is true, accurate, current, and comprehensive.

(3)  You will maintain such information accurately and immediately update such registration information as required.

(4)  You are of legal age and agree to abide by these terms of use.

(5)  Except as expressly stated herein, you will not access the site, application, or smart contracts by automated or non-human means, whether by bot, script, or otherwise.

3. REGISTRATION

You may be required to register with the site and the app. You agree to keep your user name and password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

4. PROHIBITED ACTIVITIES

You may not access or use the site and the app for any purpose other than that for which we make them.

a. Use our support services improperly or make fake or false accusations of abuse or misconduct.

b. Engage in unauthorised framing of or linking to the site and the application.

c. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.

d. Interfere with, disrupt, or create an undue burden on the site, the application, or the networks or services connected to the site.

e. Attempt to impersonate another user or person, or use the username of another user.

f. Sell or otherwise transfer your profile.

g. Attempt to bypass any measures of the site designed to prevent or restrict access to the site, or any portion of the site and the application.

h. Delete the copyright or other proprietary rights notice from any content.

i. Use the site and the application in a manner inconsistent with any applicable laws or regulations.

5.   SUBMISSION

You agree and acknowledge that we shall have all questions, comments, suggestions, ideas, feedback and other content that you send us on the Site and Application. These submissions are non-confidential and were made at our request. We shall have exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions without acknowledgment or compensation to you for any lawful purpose, commercial or otherwise.

6.  THIRD PARTY WEBSITE AND CONTENT

We may link to other websites whose privacy policies may be different. Reach Assuree does not provide any of the personal information and/or data to any third-party websites. If you submit any of your personal information and/or data, it will be governed by their privacy policy. We request that you read the policy of any third-party website before visiting. We do not accept any responsibility or liability for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such site, mobile application, or resource.

7. TERMINATION

Without limiting any other provision of these terms of use, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the site, the app, and the smart contract (including blocking certain IP addresses) to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these terms of use or of any applicable law or regulation. We may terminate your use or participation in the site, the app, and the smart contract or delete your account without warning, in our sole discretion.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating and suspending your account, we reserve the right to take appropriate legal action, including, without limitation, pursuing civil and criminal. These Terms of Use remain in full force and effect while you use the site and the application.

8. GOVERNING LAW AND JURISDICTION

This Agreement shall be construed, interpreted, and governed by the laws of India, and the courts in Ahmedabad shall have exclusive jurisdiction with regard to the subject matter of this Agreement. Reach Assuree maintains control over and manages this website from its Surat, India, headquarters and makes no claims regarding the suitability or accessibility of the materials therein for use outside of India.

9. SECURED AREA

Attempts by unauthorised users to access these portions of the site or mobile application may result in legal action.

10.   LIMITATION OF LIABILITY

You understand and agree that we, our subsidiaries, affiliates, and licensors will not be liable to you or to any third party for any indirect, incidental, special, consequential, or exemplary damages which you may incur, howsoever caused and under any theory of liability, including, without limitation, any loss of profits (whether incurred directly or indirectly), loss of goodwill or business reputation, loss of data, cost services, or any other intangible loss, even if we have been advised of the possibility of such damages.You agree and acknowledge that we have made the site and the app available to you and entered into these terms in reliance upon the warranty and limitations of liability set forth herein, which reflect a reasonable and fair allocation of risk between the parties and form an essential basis of the bargain between us. We would not be able to provide the site, the app and the smart contracts to you without these limitations.

11.    INDEMNIFICATION

You undertake to defend, hold harmless, and indemnify us, our subsidiaries, affiliates, and each of our officers, agents, partners, and employees, from and against any loss, damage, responsibility, claim, or demand made by a third party due to or arising out of

a.    By using the website

b.   A violation of these Terms of Use

c.   Any violation of the warranties and representations you provided in these terms of use

d.    Your violation of the rights of a third party, including but not limited to intellectual property rights, or

e. Any harmful act towards any other use of the site and the app with whom you connected via the site and the app.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding that is subject to this indemnification upon becoming aware of it.

12. NO WARRANTY

You agree that your use of the website and services is at your sole and exclusive risk and that any services provided by us are on an “as is” basis. Reach Assuree hereby expressly disclaims any and all express or implied warranties of any kind. Reach Assuree makes no warranties that the website or services will meet your needs or will be uninterrupted, error-free, and/or secure. It also makes no warranties.

13. COMMUNICATION

You agree to receive communications from Reach Assuree electronically. You are in an electronic conversation with Reach Assuree when you use the site, the mobile application, or send emails to us. Reach Assuree may contact you by phone, email, sending notifications on the website or mobile application, or another typically used method of communication. You acknowledge and agree that we may provide you with agreements, notifications, disclosures, and other communications in writing to the extent necessary to comply with the legal requirements that these communications take the form of writing.

14. CHANGES

We may change and/or update this policy from time to time at our sole discretion. By continuing to use the site or providing us information through your use of the site after we make a change to the privacy statement, you accept the updated provisions in the privacy statement. Reach Assuree reserves the right to add, alter, or delete any or all parts of this policy at any time. Changes to the policy will be effective when we post them. We encourage you to review the policy regularly.

15. IPR

Reach Assuree is the owner of the trademarks, logos, and service marks used on the website and mobile application. Any content made available on or through the site or mobile application may not be changed, copied, distributed, transmitted, displayed, published, sold, licenced for commercial or public purposes, or transformed into other works.

16. SURVIVAL

Any clause in these Terms of Use that imposes ongoing responsibilities on a party will remain in effect even after these Terms of Use are terminated, regardless of any other clauses.

17. CONTACT INFORMATION

In case of any discrepancy or grievance, you may contact us via phone, email, or by visiting the Contact Us page on our website.

Name : Ankur Vekaria

Number : 9824701070

Email : ankurvekaria@gmail.com

Last Updated Date : 13.12.2022

1. PRINCIPLES

Reach Assuree is committed to processing data in accordance with its responsibilities under the applicable laws and regulations.

Personal Data shall be:
a.   Personal Data should be processed in accordance with applicable laws and regulations. Also, it be in fair and transparent manner in relation to each and every individual;
b.   The data collected should be clear, unambiguous, and legitimate purposes and not processed further for a purpose that is inconsistent;
c.    In relation to the purposes for personal data which is being process are sufficient, pertinent, and strictly limited to what is necessary;
d.   every reasonable step must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified without delay;
e.    Date should be accurate and updated as and when it is necessary;
f.     stored in a format that permits data subjects to be traced for no longer than is essential to accomplish the purposes for which the personal data are processed.
g.    processed with suitable technical or organizational safeguards that ensure the personal data's security, including protection against unauthorized or unlawful processing and accidental loss, deletion, or damage.

2.GENERAL PROVISIONS

By using the Site and the App, you represent and warrant that:

a.   All personal data that the Reach Assuree processes is covered by this policy.
b.   The Responsible Person is in charge of ensuring that the Organization abides by this policy.
c.    This policy shall be reviewed periodically.

3. TRASPARENT PROCESSING

a.   Reach Assuree shall maintain appropriate Systems in order to guarantee that its handling of data is righteous, equitable, and transparent.
b.   The Systemshall be reviewed periodically.
c.    Individuals are entitled to access their personal data, and the Reach Assuree will respond promptly to any requests made in this regard.

4. PURPOSE

a.   The following legal basis must be used by the Reach Assuree to process any data: consent, contract, legal obligation, vital interests, governmental task, or legitimate interests.
b.   Reach Assuree shall note the appropriate lawful basis in the Systems.
c.    Evidence of opt-in consent must be stored with the personal data when consent is used as a legal basis for processing it.
d.   When communications are delivered to individuals with their consent, the individual should have a clear way to withdraw that consent, and processes should exist to guarantee that such a withdrawal is appropriately registered in the Reach Assuree's systems.

5.    DATA MINIMISATION

In regard to the purposes for which they are processed, Reach Assuree shall guarantee that personal data are adequate, relevant, and limited to what is necessary.

6. ACCURACY

a.   Reach Assuree may take reasonable measures to ensure the accuracy of personal data.
b.   Steps shall be taken to guarantee that personal data is maintained updated when necessary for the legal basis for data processing.

7.  REMOVAL

a.     To ensure that personal data is kept for no longer than necessary, the Organisation shall put in place an archiving policy for each area in which personal data is processed and review this process annually.

b.     The removal policy will take into account what information should or must be retained, why, and for how long.

8.  SECURITY

a.   Reach Assuree shall ensure that personal data is stored securely and kept-up-to-date.
b.   Access to personal data shall be limited to personnel who need access and appropriate security should be in place to avoid unauthorized sharing of information.
c.    When personal data is erased, it should be done securely so that it cannot be recovered.
d.   Solutions for disaster recovery and appropriate backup shall be in place.

9. BREACH

Reach Assuree shall rapidly evaluate the risk to people's rights in the event that a security breach results in the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, personal data.