Terms & conditions

Please read the following terms and conditions and the Privacy Policy ("collectively referred as "User Agreement") carefully as it sets out the terms of a legally binding agreement between you and Cars24 Financial Services Private Limited and its affiliates (hereinafter referred to as "CFSPL", "we", "us" or "our"). You are advised to study the following terms and conditions before installing the services and accessing the information, materials, resources, services, products, and tools (hereafter referred to as "Resources").
All the references to "you" and "your" in this Agreement mean the person accepting this Agreement as an individual.
You may only use the services in accordance with the terms and subject to the conditions of this Agreement. If you do not agree with the following terms (as defined below), please do not use the services.

CFSPL is an IRDA registered Corporate Agent holding Registration No. CA0710, and is not offering these services as an insurance company.

CFSPL operates the website at (https://www.insurance.cars24.com/) ("site") to enhance consumer's choice and provide an easy way to buy insurance products at one stop from multiple insurance companies. The materials on the site are provided on an 'as is' basis to what our participating insurance providers supply.

CFSPL makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violations of rights. You understand and agree that all Resources provided are "as is" and "as available". This means that
CFSPL does not represent or warrant that:

1. The use of the Resources will meet the needs or requirements.
2. The use of the Resources will be uninterrupted, timely, secure or free from errors.
3. The information obtained by using the Resources will be accurate or reliable, and
4. Any defects in the operation or functionality of any Resources will be repaired or corrected.

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

To the maximum extent permitted by law, CFSPL or its suppliers hold no liability for any damages (including without limitation, damages for loss of data or profit, or due to business interruption) in relation to or arising out of the use or inability to use the information on the site and recommended by the site.

You are solely responsible for the final choice of the product and it is advisable to take time to read through all information supplied before proceeding with the purchase. If you are in any doubt regarding a product or its terms, further advice should be sought by reaching directly to CFSPL or the relevant participating insurance provider before choosing the product.
CFSPL disclaims any liability arising out of circumstances where there is delay in acquiring the chosen product.

CFSPL is only assisting in collecting the premium deposit on behalf of the insurer i.e., the respective insurance provider whose policy is purchased by you. The acceptance of the deposit as premium and final issuance of the policy is subject to the underwriting norms and discretion of the respective insurer and CFSPL has no control over the same. However, CFSPL will ensure that the amount is refunded by the insurer in case there is no ultimate issuance of policy.

You hereby expressly understand and agree that any claim against CFSPL shall be limited to the amount paid, if any, for use of products and/or services. CFSPL 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 the 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.

The Resources posted on this site could include hypertext links or pointers to information created and maintained by other organisations. CFSPL is provisioning these links solely as part of its contract obligations and for consumer convenience. When you select a link to an external website, you are leaving the CFSPL site and are subject to the privacy and security policies of the owners/sponsors of the external website. CFSPL does not guarantee the availability of the linked pages at all times.

CFSPL respects your privacy, owing to which a separate Privacy Policy is created in order to explain in detail how the personal information provided by you is collected, managed, processed, secured, and stored. You hereby agree and understand that the privacy policy is also included under the scope of this User Agreement. To read the privacy policy in its entirety, click here.

CFSPL may pass on your personal information to the relevant participating insurance provider if a product is applied to be purchased through the site.

You hereby also authorise CFSPL to communicate on the given number for the Insurance needs.

By visiting the site and accessing the Resources, either directly or indirectly, you agree to use these Resources only for the purposes intended as permitted by

1. the terms of this User Agreement, and
2. applicable laws, regulations and generally accepted online practices or guidelines.

1. In order to access the Resources, you may be required to provide certain personal information (such as identification, contact details, etc.) as part of the registration process, or as part of their ability to use the Resources. You agree that any information provided by you will always be accurate, correct, and up to date.
2. You are responsible for maintaining the confidentiality of any login information associated with any account used to access the Resources. Accordingly, you are responsible for all activities that occur under the account(s).
3. Accessing (or attempting to access) any of the Resources by any means other than through the provided means, is strictly prohibited. You specifically agree not to access (or attempt to access) any of these Resources through any automated, unethical or unconventional means.
4. Engaging in any activity that disrupts or interferes with the Resources, including the servers and/or networks to which the Resources are located or connected, is strictly prohibited.
5. Attempting to copy, duplicate, reproduce, sell, trade, or resell the Resources is strictly prohibited.
6. You are solely responsible for any consequences, losses, or damages that CFSPL may, directly or indirectly, incur or suffer due to any unauthorised activities conducted by you, as explained above, and may incur criminal or civil liability.
7. You may provide various open communication tools on the site, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. However, you understand that generally CFSPL does 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 the site, 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 further agrees that no content will not uploaded, posted, shared, or otherwise be distributed that:
   
   1. Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language.
   2. Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party.
   3. Contains any type of unauthorised or unsolicited advertising.
   4. Impersonates any person or entity, including any https://www.coverfox.com employees or representatives.
8. CFSPL has the right at its sole discretion to remove any content that does not comply with this User Agreement, along with any content that is otherwise offensive, harmful, objectionable, inaccurate, or violates any third party copyrights or trademarks. CFSPL is not responsible for any delay or failure in removing such content. If any posted/uploaded/distributed content is chosen to be removed by CFSPL, you hereby consent to such removal, and consent to waive any claim in regard to the same.
9. CFSPL does not assume any liability for any content posted by you or any other third party users of the site. However, any content posted by you using any open communication tools on the site, provided that it doesn't violate or infringe on any third party copyrights or trademarks, becomes the property of CFSPL, and as such, transfers a perpetual, irrevocable, worldwide, royalty-free, exclusive licence to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as CFSPL sees 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 the Resources. All information provided as part of the registration process is covered by our Privacy Policy.
10. You agree to indemnify and hold harmless CFSPL and its parent company and affiliates, and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorney's fees, resulting from any violation of the User Agreement or the failure to fulfil any obligations relating to any account incurred by you or any other person using the account on behalf of you.
11. CFSPL reserves the right to take over the exclusive defence of any claim for which CFSPL is entitled for indemnification under this User Agreement. In such an event, you agree to provide the cooperation as is reasonably requested from time to time.

All content and materials available on the site, including but not limited to text, graphics, website name, code, images and logos are the intellectual property of CFSPL, 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 authorised by CFSPL.

You agree that CFSPL may, at its sole discretion, suspend or terminate your access to all or part of the site and the 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 the relationship and may be referred to appropriate law enforcement authorities.

Upon suspension or termination, you agree that your right to use the Resources will immediately cease. In such an event, CFSPL reserves the right to remove or delete any information that may have been stored, including any account or login information.

This site is controlled by CFSPL from offices located in the state of Haryana, India. It can be accessed by most countries around the world. As each country has laws that may differ from those of India, by accessing the site, you agree that these terms and conditions shall be governed by and construed in accordance with the laws of India, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods.

You hereby agree that any dispute arising under these terms and conditions shall be subject to the jurisdiction of the courts of India and hereby waive any jurisdictional, venue, or inconvenient forum objections to such courts.

UNLESS OTHERWISE EXPRESSED, CFSPL EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

In case of any questions or comments about these our Terms of Service as outlined above, you can contact us at:

Cars24 Financial Services Private Limited, 6th Floor, Tower C, SAS Tower, Sector 38, Gurgaon, Haryana, India - 122001.