DISCLAIMER

Visitors to this website are bound by the following terms and conditions (""Terms") in additions to member-client agreement & other such agreements executed by the client so please read the following terms carefully before continuing to use this site. If you do not agree with any of these terms, please do not use this site

Naik Insurance Brokers PRIVATE LIMITED maintains www.naikinsurance.com (hereinafter referred to as the "Website") and owns, has the license to use or otherwise has the right to use, free of any pending or threatened liens, all content, graphics, HTML and CGI, or other scripts displayed and used on the Website.
This website/information is provided to you on an "as is" and "where-is" basis, without any warranty. Website "www.naikinsurance.com", Naik Insurance Brokers Private Limited, its associate concerns, directors and employees (hereinafter jointly and severally referred to as "Naik Insurance"), for itself and any third party providing materials, services, or content to this website, makes no representations or warranties, either express, implied, statutory or otherwise of merchantability, fitness for a particular purpose, or non-infringement of third party rights, with respect to the website, the information or any products or services to which the information refers. Naik Insurance will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site, even if Naik Insurance has previously been advised of the possibility of such damages.

INTRODUCTION

Although Naik Insurance tries to ensure that all information and materials, whether in relation to the products, services, facilities, offerings or otherwise (hereinafter "Information") provided as part of this website is correct at the time of inclusion on the web site, it does not guarantee the accuracy of the Information. Naik Insurance makes no representations or warranties as to the completeness or adequacy or accuracy of Information and expressly disclaims liability for any errors or omissions or delays in updating this information.
Disclaimer of Warranties and Liability
All the contents of this Site are only for general information or use. They do not constitute advice and should not be relied upon in making (or refraining from making) any decision. Any specific advice or replies to queries in any part of the Site is/are the personal opinion of such experts/consultants/persons and are not subscribed to by this Site.

The information from or through this site is provided on "AS IS " basis , and all warranties, expressed or implied of any kind, regarding any matter pertaining to any goods , service or channel, including without limitation , the implied warranties of merchantability, fitness for a particular purpose, and non-infringement are disclaimed and excluded.

Naik Insurance Brokers Pvt. Ltd. and its parent, affiliates and associates shall not be liable, at any time for damages (including, without limitation, damages for loss of business projects, or loss of profits) arising in contract, tort or otherwise from the use of or inability to use the Site, or any of its contents, or from any action taken (or refrained from being taken) as a result of using the Site or any such contents or for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained on the site. No representations, warranties or guarantees whatsoever are made as to the accuracy, adequacy, reliability, completeness, suitability or applicability of the information to a particular situation.

Certain links on the Site lead to resources located on servers maintained by third parties over whom Naik Insurance has no control or connection, business or otherwise. These sites are external to Naik Insurance and by visiting these, you are outside the Naik Insurance website and its channels. Naik Insurance neither endorses in any way nor offers any judgment or warranty and accepts no responsibility or liability for the authenticity , availability of any of the goods or services or for any damage, loss or harm , direct or consequential or any violation of local or international laws that may be incurred by your visiting and transacting on these sites.
Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. No Information at this web site shall constitute an invitation to invest in any security or financial product. Any use of this website or the Information is at your own risk
Naik Insurance shall not be liable for damages or injury arising out of or in connection with the use of the Website or its non-use including non-availability, compensatory, direct, indirect or consequential damages, loss of data, income or profit, loss of or damage to property, including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business; under any contract, negligence, strict liability or other theory arising out of or relating in any way to the Website, site-related services, or any products or services and claims of third parties damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from or relating to any of the services offered or displayed by Naik Insurance on the Website.
Nothing contained herein is to be construed as a recommendation to use any product or process, in conflict with any patent / Copyright / Intellectual Property rights or otherwise and Naik Insurance makes no representation or warranty, express or implied that, the use thereof will not infringe any patent / Copyright / Intellectual Property rights or otherwise.
The Services on the Website do not constitute an offer to sell or a solicitation to any person in any jurisdiction where it is unlawful to make such an offer or solicitation. These Service are not intended to be any form of an investment advertisement, advice or information and has not been registered under any securities law of any foreign jurisdiction and is only for the information of any person in any jurisdiction where it may be lawful to provide such information, otherwise the same shall not be considered an information. The distribution of this Service or content in other jurisdictions may be restricted by law and the persons who access the Service should inform themselves about, and observe any such restrictions.
Use of the website and its contents is at any persons, including a Client’s, own risk. The data and information provided on the website is not advice, professional or otherwise, and should not be relied upon as such. Neither the information nor any opinion contained in this website constitutes a solicitation or offer by Naik Insurance to buy or sell any securities or other financial instruments or provide any investment advice. Naik Insurance or its associate companies or their directors or their employees and their dependents have or may have an outstanding position or holding in the securities or other related investments of issuers and companies mentioned herein. The investments discussed or recommended in the analysis, research reports, etc. may not be suitable for all investors. Investors must make their own investment decisions based on their own specific investment objectives and financial position and using such independent professional advisors as they believe necessary. Information herein is believed to be reliable but Naik Insurance does not warrant its completeness or accuracy. The content of the articles and the interpretation of data are solely the personal views of the contributors and do not in any way reflect the views of Naik Insurance. Users are advised to use the articles and other data in the Website only as information.
The display, description or references to any products, services, publications or links on the Website shall not constitute an endorsement by Naik Insurance of such products, services, publications or links.
Naik Insurance has launched and established an online trading service on the Website (hereinafter referred to as the "Service"). Naik Insurance has exclusive and sole discretion to select the Clients who would be entitled to use, access and benefit out of the Service. Naik Insurance also reserves the absolute right and discretion to decide on the criteria for selecting the Customers to participate in the Service offered hereunder.
The offering of the Service is subject to the requisite permissions, approvals, licenses and any other clearance from the appropriate regulatory authority viz., Securities and Exchange Board of India, National Stock Exchange of India Limited, Bombay Stock Limited and any other relevant authority that may be the regulatory authority of the Service.
Neither Naik Insurance nor its Affiliates shall be precluded from making any contract or entering into any arrangement or transaction with the companies mentioned herein or with itself in the ordinary course of business or from undertaking any banking, financial or agency services for the companies or for itself or from underwriting or guaranteeing the subscription of or placing or subscribing for or otherwise acquiring, holding or dealing with any of the stocks or shares or debentures or debenture stocks or any other securities whatsoever of the companies or in which the companies may be interested, either with or without a commission, or other remuneration or otherwise, at any time entering into any contract of loan or deposit or any other contract or arrangement or transaction with the companies or being concerned or interested in any such contract or arrangement or transaction which any other company or person would be entitled to enter into with the companies and they shall not be in anyway liable to account either to the companies or any person visiting or accessing the Website including a Customer of the Service for any profits made by them thereby or in connection therewith and the Naik Insurance or its Affiliates shall also be allowed to retain for their or his own benefit any customary share of brokerage, fee, commission, interest, discount or other compensation or remuneration allowed to them.
Naik Insurance makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content on the Website. Naik Insurance shall not be responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. No judgment or warranty or representation is made with respect to the accuracy, timeliness, or suitability of the content of other services or sites to which these screens link, and Naik Insurance shall not be responsible therefore.
Naik Insurance shall not be liable for any misrepresentation, falsification, and deception or for any lack of availability of services through the Website, even if the same are advertised for on the Website.
Naik Insurance shall not be liable if the Customer downloads any information or software from this Website. Further, Naik Insurance or its Affiliates shall not be liable if the Client makes a copy, modifies, uploads, downloads, transmits, (re) publishes it or removes or obscures any intellectual property, including trademarks, copyright or other notices or legends contained in any such information or otherwise distributes any service or content from this Website. Naik Insurance shall not bear the responsibility if the Client modifies or uses the content or services he/she gets from this Website for any purpose other than those permitted, and in doing so violates the intellectual property including trademarks, copyright and other proprietary rights of Naik Insurance.
The Website contains features of the services that are currently being offered by Naik Insurance and those intended to be offered in the future. Naik Insurance along with its Affiliates intends to launch the services confirming with the features listed on the Website in to, however, due to business needs and regulatory requirements the final launch may contain variations. Notwithstanding anything contained in the Website regarding the services, Naik Insurance may decide to postpone the offering of the services or may even decide to withdraw the offering or even a currently offered service altogether.
This disclaimer shall be applicable to any person visiting/accessing the Website and/or a Customer entering into an agreement related to availing of the Service offered by Naik Insurance and its Affiliates.

CHARGES

This Site reserves the right to charge subscription or membership fees in respect of any part, aspect of this Site upon reasonable prior notice

Third-Party Interaction and Links to Third Party Sites

In your use of the website, you may enter into correspondence with, offering services from, or participate in promotions of advertisers or members or sponsors of the website. Unless otherwise stated, any such correspondence, advertisement, purchase or promotion, including the delivery of and the payment for services, and any other term, condition, warranty or representation associated with such correspondence, or promotion, is solely between you and the applicable third party. You agree that Naik Insurance has no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any such third party.
This website may be linked to other websites on the World Wide Web that are not under the control of or maintained by Naik Insurance. Such links do not indicate any responsibility or endorsement on our part for the external website concerned, its contents or the links displayed on it. These links are provided only as a convenience, in order to help you find relevant websites, services and/or products that may be of interest to you, quickly and easily. It is your responsibility to decide whether any services and/or products available through any of these websites are suitable for your purposes. Naik Insurance is not responsible for the owners or operators of these websites or for any goods or services they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party).

AVAILABILITY

Naik Insurance controls and operates this website "NaikInsurance.com " from India and makes no representation that the materials are appropriate or will be available for use in other locations. If you use this website from outside India, you are entirely responsible for compliance with all applicable local laws.
Information that Naik Insurance publishes on the World Wide Web may contain references or cross-references to Naik Insurance’s products, programs and services that are not announced or available in your country. Such references do not imply that Naik Insurance intends to announce such products, programs or services in your country

LIMITED PERMISSION TO COPY

You are permitted to print or download extracts from these pages for your personal non-commercial use only. Any copies of these pages saved to disk or to any other storage medium may only be used for subsequent viewing purposes or to print extracts for personal use. You may not (whether directly or through the use of any software program) create a database in electronic or structured manual form by regularly or systematically downloading and storing all or any part of the pages from this site. No part of The Site may be reproduced or transmitted to or stored in any other web site, nor may any of its pages or part thereof be disseminated in any electronic or non-electronic form, nor included in any public or private electronic retrieval system or service without prior written permission. Requests to republish Naik Insurance material for distribution should be addressed to sachin@naikinsurance.in

TRADEMARKS AND COPYRIGHTS

This website contains material, including text, graphics and sound, which is / may be protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in this material are either owned by Naik Insurance or have been licensed to Naik Insurance by the owner(s) of those rights so that it can use this material as part of this website. Naik Insurance retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this website are owned by Naik Insurance and used under license by Naik Insurance affiliates or any other party and are protected under applicable Indian laws. Any infringement shall be vigorously defended and pursued to the fullest extent permitted by law.

MATERIAL SUBMITTED BY USERS

Certain elements of The Site will contain material submitted by users. Naik Insurance accepts no responsibility for the content, accuracy, conformity to applicable laws of such material.

INDEMNIFICATION

You agree to indemnify, defend and hold Naik Insurance, its advisors, suppliers, advertisers, agents or sponsors harmless from and against any and all claims, damages, losses, costs (including without limitation reasonable attorneys' fees) or other expenses that arise directly or indirectly out of or from (i) your breach of these Terms and Conditions; (ii) your violation of the undertaking, representation and covenants mentioned above; and/or (iii) your activities in connection with this web site.

The maximum liability of Naik Insurance to the Client shall be subject to the amount of fees paid by the Customer for the services that he/she may have availed of through the Website or in pursuance of the Offer or the Service.

MISCELLANEOUS

In the event any provision of these terms and conditions is determined by a court of competent jurisdiction to be invalid, illegal or otherwise unenforceable such provision shall be deemed to have been deleted from these terms and conditions, while the remaining provisions shall remain in full force and effect. Naik Insurance’s failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither shall the course of conduct between the parties nor trade practice shall act to modify any provision of these terms and conditions.

This disclaimer clause shall be applicable to any person visiting/accessing the Website and/or a Customer entering into an agreement related to availing of the Service offered by Naik Insurance
The terms & conditions governing individual products will be displayed on the relevant product-specific pages on the website. If the client trades in/uses any of the products he will be deemed to have accepted the terms of the respective products as well as these terms.

APPLICABLE LAW AND JURISDICTION

These terms and conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these terms and conditions or any dispute arising in relation to the website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes. The offering of the Service is subject to the requisite permissions, approvals, licenses and any other clearance from the appropriate regulatory authority viz., Securities and Exchange Board of India, National Stock Exchange of India Limited, Bombay Stock Exchange Limited, Mumbai, and any other relevant authority that may be the regulatory authority of the Service

ADVERTISING MATERIAL

Part of the Site will contain advertising and other material submitted to Naik Insurance by third parties. Advertisers are responsible for ensuring that material submitted for inclusion on the Site complies with applicable International and National law. Naik Insurance will not be responsible for any advertiser's claim, error, omission, or inaccuracy in advertising material, and reserves the right to omit, suspend or change the position of any advertising material submitted for insertion. Acceptance of advertisements on the Site will be subject to Naik Insurance terms and conditions which are available on request.

DATA PROTECTION

Naik Insurance may send information and offers of products and services to you from time to time. For further details relating to our policy relating to such offer please refer to our privacy statement

FORCE MAJEURE

Naik Insurance shall have no liability to you for any interruption or delay in access to the Site irrespective of the cause.