PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE AND APPLICATION. BY ACCESSING OR USING THE SITE/APPLICATIONS, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE WEBSITE. WWW.PINCINSURANCE.COM MAY MODIFY THIS AGREEMENT AT ANY TIME AND SUCH MODIFICATION SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT ON THE SITE/APPLICATIONS. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE SITE/APPLICATIONS SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.

1. Copyright, Trademark, Licenses and Idea Submissions. The entire contents of the Site and /or Applications are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are PINC Insurance, its affiliates or other third party licensors. You may not allocate, distribute, or reproduce in any way any copyrighted material, Designs, trademarks or other Intellectual Property and proprietary information belonging to others without obtaining the prior written consent of the owner of such proprietary rights. You may not modify copy, reproduce, republish, upload, post, transmit, or distribute, in any manner, the material on the site, including text, slogans, logo, graphics, code and/or software. You may print and download portions of material from the different areas of the Site/Applications solely for your own Personal non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. All software used on this Website/Applications is the property of PINC Insurance or its licensees and protected by Indian and international copyright laws.

2. Use of the Site/App. You agree, undertake and confirm that your use of Website/Applications shall be strictly governed by the following binding principles: 1. You shall not host, display, upload, modify, publish, transmit, update or share any information which: (i) belongs to another person and to which You does not have any right to; (ii) is grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing including but not limited to "indecent representation of women" within the meaning of the Indecent Representation of Women (Prohibition) Act, 1986; (iii) is misleading in any way; (iv) is patently offensive to the online community, such as sexually explicit content, or content that promotes obscenity, pedophilia, racism, bigotry, hatred or physical harm of any kind against any group or individual; (v) harasses or advocates harassment of another person; (vi) involves the transmission of "junk mail", "chain letters", or unsolicited mass mailing or "spamming"; (vii) promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous; (viii) infringes upon or violates any third party's rights [including, but not limited to, intellectual property rights, rights of privacy (including without limitation unauthorized disclosure of a person's name, email address, physical address or phone number) or rights of publicity]; (ix) promotes an illegal or unauthorized copy of another person's copyrighted work (see "Copyright complaint" below for instructions on how to lodge a complaint about uploaded copyrighted material), such as providing pirated computer programs or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files; (x) contains restricted or password-only access pages, or hidden pages or images (those not linked to or from another accessible page); (xi) provides material that exploits people in a sexual, violent or otherwise inappropriate manner or solicits personal information from anyone; (xii) provides instructional information about illegal activities such as making or buying illegal weapons, violating someone's privacy, or providing or creating computer viruses; (xiii) contains video, photographs, or images of another person (with a minor or an adult). (xiv) tries to gain unauthorized access or exceeds the scope of authorized access to the Website or to profiles, blogs, communities, account information, bulletins, or other areas of the Website or solicits passwords or personal identifying information for commercial or unlawful purposes from other users; (xv) solicits gambling or engages in any gambling activity which we, in our sole discretion, believes is or could be construed as being illegal; (xvi) interferes with another USER's use of the Website or any other individual's User and enjoyment of similar services; (xvii) refers to any website or URL that, in Our sole discretion, contains material that is inappropriate for the Website or any other website, contains content that would be prohibited or violates the letter or spirit of Terms of Use. (xiii) harm minors in any way; (xix) infringes any patent, trademark, copyright or other proprietary rights or third party's trade secrets or rights of publicity or privacy or shall not be fraudulent or involve the sale of counterfeit or stolen products; (xx) violates any law for the time being in force; (xxi) deceives or misleads users about the origin of such messages or communicates any information which is grossly offensive or menacing in nature; (xxii) impersonate another person; (xxiii) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer resource; or contains any trojan horses, worms, time bombs, cancelbots, easter eggs or other computer programming routines that may damage, detrimentally interfere with, diminish value of, surreptitiously intercept or expropriate any system, data or personal information; (xxiv) threatens the unity, integrity, defense, security or sovereignty of India, friendly relations with foreign states, or public order or causes incitement to the commission of any cognizable offence or prevents investigation of any offence or is insulting any other nation. (xxv) shall not be false, inaccurate or misleading; (xxvi) shall not, directly or indirectly, offer, attempt to offer, trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force. (xxvii) shall not create liability for Us or cause Us to lose (in whole or in part) the services of Our internet service provider ("ISPs") or other suppliers.

3. Indemnification. You agree to indemnify, defend and hold harmless PINC Insurance, its team of skilled and preserving associations, entire staff and any third party information providers to the Service from and against all losses, expenses, damages and costs, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

4. Miscellaneous. You shall not make any negative, denigrating or defamatory statement(s) or comment(s) about PINC Insurance or domain name used by PINC Insurance including the terms, www.pincinsurance.com, or otherwise engage in any conduct or action that might tarnish the image or reputation, of PINC Insurance or sellers on platform or otherwise tarnish or dilute any PINC Insurance’s trade or service marks, trade name and/or goodwill associated with such trade or service marks, trade name as may be owned or used by us. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Websites or applications or PINC Insurance’s systems or networks, or any systems or networks connected to PINC Insurance.

You shall not probe, scan or test the vulnerability of the Website/Applications or any network connected to the Website/Applications nor breach the security or authentication measures on the Website/Applications or any network connected to the Website/Applications. You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to Website/Applications, or any other customer, including any account on the Website/Applications not owned by you, to its source, or exploit the Website/Applications or any service or information made available or offered by or through the Website or Applications, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the Website/Applications.

This Agreement shall all be governed and construed in accordance with the applicable laws to agreements made and to be performed in India. You agree that any legal action or proceeding between PINC Insurance and you for any purpose concerning this Agreement or the party’s obligations hereunder shall be brought exclusively in an exclusive jurisdiction of Mumbai, Maharashtra, India according to Indian law. Any cause of action or claim you may have with respect to the Service must commence within a one month of the claim or cause of action arisen else such claim or cause of action is barred. PINC Insurance failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. PINC Insurance may assign its rights and duties under this Agreement to any party at any time without notice to you.

PINC Insurance reserves the right to make changes in the website/applications, withdraw access to this website/applications, Termination of accounts and revise the services described in this website/applications at any time without any previous notice.

Any rights not expressly granted herein are reserved.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please refer sales brochure/policy wording carefully before concluding a sale.