Users must voluntarily provide us with their personally identifiable information. Users always have the option to withhold personally identifiable information, but doing so can restrict them from taking part in certain site-related activities. We use the collected personal information for the purpose of:

• To better serve customers, we can reply to your support and customer service requirements more quickly with the information you give us.
• As required to deliver the service, we do not disclose this information to third parties.
• We may utilize the comments you leave on our site to enhance our services.
• To handle payments.
• To conduct a campaign, competition, survey, or other website feature and to send users information about subjects that we think they'll find interesting.
• periodically send emails
• We may use the email address to send User information and updates.
• It may also be used to respond to their inquiries, questions, and/or other requests.
• To prevent unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data maintained on our Site, we implement suitable data collecting, storage, and processing procedures and security measures.
• Web Browser Cookies: Cookies may be used on our site to improve user experience. Cookies are stored on a user's hard drive by their web browser for record-keeping and occasionally to track information about them. A user's web browser can be configured to accept cookies or to notify them when they are being sent. If they do, be aware that some elements of the Site might not operate correctly.
• You agree to this policy by making use of this website. Please don't use our Site if you disagree with this policy. If modifications to this policy are posted and you continue to use the site, it will be assumed that you agree to the changes.

Security

We always use adequate organizational and technical security controls to safeguard the data we gather from you. We employ a variety of electronic, administrative, and physical security measures to guard against accidental loss, destruction, or damage to information as well as against any unauthorized or unlawful use or alteration of information. However, no technique of electronic storage or transmission via the Internet is completely secure. As a result, we are unable to ensure its complete security. Your login information and password must also be kept private and secure, and you are not permitted to give these details to anyone else.

Evidence of Transaction

PolicyHub's own records of such transactions, whether they are kept on paper or electronically, shall be considered conclusive and binding for all purposes for any transaction that it may occasionally approve. The transaction's record generated by PolicyHub systems must serve as irrefutable evidence of its veracity and accuracy.

Intellectual Property Rights

• PolicyHub or its licensors are the owners of the copyrights for the Platform, all Content, and any other works on the Platform. The copyright of PolicyHub is violated by any alteration of the Platform, alteration of the content, or use of the content on the Platform for any commercial purpose. The platform might also include a few trademarks, logos, or service marks (collectively, "Marks"). These trademarks are the exclusive property of PolicyHub. Without first receiving written consent from the PolicyHub in possession of the Marks, you are not allowed to use the Marks in any way. You acknowledge and agree that no right (express or implied) is granted to you in respect of such content through your use of the platform or by accessing any product or service through or at the platform. PolicyHub reserves the right, in its sole discretion, to change or modify the content from time to time.
• You further acknowledge and agree that you must receive PolicyHub’s prior consent before you copy, reproduce, republish, upload, post, transmit, or distribute any of the content made accessible on the Platform. It is expressly disclaimed that downloading any data would result in any harm. It is made clear that any use of the Platform, Content, Marks, or other PolicyHub intellectual property in violation of the terms of this Agreement or any applicable law will be considered an infringement of those rights by PolicyHub, for which the latter may bring the appropriate legal action against the User. 

Additional Traditional terms and Conditions

(Applicable to Health Insurance products only)

• You hereby declare that, to the best of your knowledge, the statements, answers, and/or particulars provided by you are truthful in all material respects
• You are aware that the information you submit will serve as the foundation for the insurance policy, is subject to the insurer's Board-approved underwriting policy, and that the policy won't go into effect until the entire amount of the applicable premium has been paid.
• You additionally affirm that once the proposal has been submitted but before the insurance company communicates its risk acceptance, you will notice in writing any changes to the occupation or general health of the life to be insured or the proposer.
• You agree that the insurance company may obtain medical information about the person to be insured/proposed from any doctor or hospital who/which has treated the person at any time, as well as from any past or present employers, in order to determine whether the person's physical or mental health is at risk. You also agree that the insurance company may obtain information from any insurer to whom an application for insurance on the person to be insured/proposed has been made.

Choice of Law And Jurisdiction

These Terms of Use shall be governed by the laws of the Republic of India. Every dispute concerning the interpretation or effect of these Terms of Use and/or your use of the Website must be resolved in the courts or tribunals situated in the Union Territory of New Delhi. You agree to the personal jurisdiction, subject matter jurisdiction, and venue of these courts.

Severability Clause

Any provision of this agreement that is determined to be illegal, void, or for any other reason unenforceable shall be deemed severable and shall not affect the validity and enforceability of the provisions of this Agreement that remain in effect.

Limited Liability Clause

• No business is to be held responsible for misleading the consumer. All the information provided on the website is given under good faith and only to be taken at face value and not to be relied upon to any extent beyond which law requires.
• I agree to PolicyHub Terms of Service.