Terms & Conditions

Brixton Insurance Broker Pvt Ltd acknowledges and recognizes the importance of privacy of information. Therefore, you are referred to Brixton Insurance Broker Pvt Ltd's privacy policy ("Privacy Policy"). Your continued access and use of the Platform is an affirmation that you have read the Privacy Policy, understood it, assent and consent to its terms and conditions, including subsequent changes and amendments. The Privacy Policy forms a part of this TOU. If you do not agree to any of the terms of the Privacy Policy, we advise you not to use or access the Platform.

The Company provides various Services through the Platform, including purchase and servicing of the insurance policies offered by one or more insurers. The Platform also allows you as a user to compare different insurance policies provided by different companies and also helps you to claim insurance amount.

You understand that:

• In order to access the Resources, you may be required to provide certain information about yourself/person/property proposed to be insured, including, but not limited to, details such as name, address, contact details, etc. You agree and acknowledge that any information provided by you will always be accurate, correct, complete and updated from time to time, as required.
• You are responsible for maintaining the confidentiality of any information associated with any use or access to the Resources.
• Accessing (or attempting to access) any of the Resources by any means other than through the permitted means is strictly prohibited.
• Engaging in any activity that disrupts or interferes with the Resources is strictly prohibited.
• Attempting to copy, duplicate, reproduce, sell, trade, or resell the Resources is strictly prohibited.

You may access and use Company Platform for lawful purposes and in relation to the Resources provided therein only. The user of Company Platform is responsible for adhering to any and all laws, rules, and regulations that are applicable regardless of any previous knowledge or lack of knowledge about such laws, rules or regulations.

You agree that you will not use the Platform to:

• Commit or cause to be committed any criminal offense or encourage conduct that would constitute a criminal offense
• Upload, post, e-mail or otherwise transmit any content that is unlawful, defamatory, harassing, abusive, or obscene
• Harm any minors in any way
• Upload, post, email or otherwise transmit any material that infringes any patent, trademark, trade secret, copyright, or other proprietary rights
• Upload any unsolicited advertising, promotional materials, "junk mail", "spam", or "chain letters"
• Impersonate or claim a relationship with any individual, business, or organization for which you have no authorization

We may provide various open communication tools on the Platform, such as blog comments, posts, public chat, forums, message boards, newsgroups, reviews, various social media services, etc. You understand that we do not pre-screen content posted by users of these various communication tools.

We do not assume any liability for any User Generated Content posted by you or any other third party users of the Platform. We have the right at our sole discretion to remove any content that we feel does not comply with this TOU.

Upon uploading or making available of any material by you, you automatically grant Brixton Insurance Broker Pvt Ltd a perpetual, royalty free, non-exclusive right and license to use, reproduce, modify, publish, distribute, display, perform and transmit the information or content.

In order to use some of the Resources, you may be required to create an account ("Account") and provide necessary information. You are permitted to use the Services only after proper and valid authentication. When creating an Account, you shall provide accurate and complete information.

You are solely responsible for safeguarding your authentication credentials and you agree not to disclose these credentials to any third party. You agree to take sole responsibility for any actions made using your Account. You shall immediately notify Company of any unauthorized use of your Account.

It is advised that you should change the password of your Account at regular intervals. Brixton Insurance Broker Pvt Ltd may, at its discretion, require you to adopt such other means of authentication including but not limited to digital certification and/or smart cards and/or two factor authentication.

You authorize the Company to call, send SMS and email or to contact you by any other similar means on the contact information made available by you on the Platform, to offer you information about the Services you may have opted for or that you may be interested in.

We will also use your contact details information to: (i) send you information about the Services offered by Company; (ii) contact you through SMS and email for reminder notices, service request processing; or (iii) keep you updated on the Content through our newsletters.

In the event you do not wish to receive such information, you may unsubscribe through the facility in the communications you receive or by reaching out to us for the same.

All content and materials available on Company Platform, including but not limited to text, graphics, website name, code, images and logos are either the intellectual property of Brixton Insurance Broker Pvt Ltd or under licensed use by Brixton Insurance Broker Pvt Ltd, and are protected.

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. Nothing in the TOU is intended to, nor shall be construed to vest in, transfer or to otherwise convey to you any right, title or interest in the Platform or any intellectual property associated therewith.

The Company shall have the right to use your data and other information to provide Services to you and to evaluate, update, improve and upgrade the Platform and the Services and for analytics and research purposes in accordance with applicable law.

By submitting ideas, suggestions, documents, and/or proposals ("Contributions") to Company Platform, you acknowledge and agree that:

• Your contributions do not contain confidential or proprietary information
• Brixton Insurance Broker Pvt Ltd is not under any obligation of confidentiality with respect to the Contributions
• Brixton Insurance Broker Pvt Ltd shall be entitled to use or disclose such Contributions for any purpose, in any way, in any media worldwide
• Your Contributions automatically become the property of Brixton Insurance Broker Pvt Ltd without any obligation to you
• You are not entitled to any compensation or reimbursement of any kind from Brixton Insurance Broker Pvt Ltd

The Company, or its affiliates and group entities, may run contests and competitions from time to time with various rewards attached to such competitions. By entering any competition organized/hosted by the Brixton Insurance Broker Pvt Ltd Group, you are deemed to have indicated your agreement to be bound by these TOU.

Brixton Insurance Broker Pvt Ltd Group reserves the right to cancel or amend the competition and these terms and conditions without any prior notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of the company's control.

You agree to indemnify and hold Brixton Insurance Broker Pvt Ltd, its parent company, officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers and employees, harmless from any claim or demand, including penalty, reasonable attorney fees and court costs, made by any third party due to or arising out of content submitted by you, your use of the Platform or associated services, violation of the TOU and Privacy Policy, breach by the user of any of the representations and warranties herein.

You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Platform, the Resources or associated services, use or access of the Platform, the Resources or any associated services.

The Platform and the Resources may also include access to products and services of independent third parties either directly or via links to sites operated by such third parties. Your correspondence or business dealings with, or participation in promotions of, other parties found on or through the Platform and the Resources are solely between you and such third party.

You acknowledge that Brixton Insurance Broker Pvt Ltd has no control over such sites and resources, and is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources.

When the Company receives transaction instructions from you through the payment mode, the Company will be entitled to debit any payment plus any charges payable for the transaction from the account you have specified. The Company shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of the bank or the credit card agency to perform any of its obligations.

In respect of any transactions which may be permitted by the Company via its Platform from time to time, the Company's own records of such transactions, maintained through computer systems or otherwise, shall be accepted as conclusive evidence and binding on you for all purposes.

By using the Platform, you understand and agree that the Platform and the Resources provided are "as is" and "as available". This means that we do not represent or warrant to you that:

• The products/policies available on the Platform is suitable for you and your requirements
• The use of the Resources will meet your needs or requirements
• The use of the Resources will be uninterrupted, timely, secure or free from errors or virus
• The information obtained by using the Resources will be accurate or reliable

Brixton Insurance Broker Pvt Ltd has no liability in relation to or arising out of the Platform, including the information and recommendations set out therein. You are responsible for the final choice of your product.

You expressly understand and agree that in no event Brixton Insurance Broker Pvt Ltd or its contractors, agents, licensors, partners, employees, representatives, suppliers be liable to you for any special, direct, indirect, incidental, consequential, punitive, or exemplary damages arising out of or relating to this TOU, or which may be incurred by you as a result of using the Platform or the Resources.

The Company shall not be liable for any damages to, or viruses that may infect, your computer equipment, other electronics or any other property as a result of your access to, use of, or browsing in the Platform.

Notwithstanding anything contained herein, in no event will the Company's total liability to the User for all damages, liabilities, losses, and causes of action exceed the amount of consideration received by the Company from the user for accessing or using the Platform or Resources.

Brixton Insurance Broker Pvt Ltd takes all reasonable precautions to preserve the confidentiality and prevent any corruption or loss, damage or destruction of the data and information provided by you, in keeping with industry standard practices. All personal information will be kept confidential in accordance with the Privacy Policy.

Brixton Insurance Broker Pvt Ltd follows generally accepted industry standards to protect the personal information submitted to us. However, no method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use industry best practices to protect your personal information, we do not guarantee its absolute security.

Brixton Insurance Broker Pvt Ltd shall not be liable if any transaction does not materialize or may not be completed or for any failure on its part to perform any of its obligations under the TOU if the same is prevented, hindered or delayed by a Force Majeure event.

"Force Majeure" means any event due to any cause beyond the reasonable control of Brixton Insurance Broker Pvt Ltd, including without limitations, sabotage, fire, flood, explosion, acts of god, epidemics, pandemics, civil commotion, strikes, riots, insurrection, war, acts of government, faults or failures in telecommunication, computer hacking, computer crashes, mechanical or technical errors/failures or power outage, etc.

You may cancel disable or delete your access and/or use of Platform/Services and user Account at any time by going to their account settings or by contacting the Company at support@brixtoninsurance.com

The Company reserves the right to discontinue the Platform or the Services or to change the Services at any time. In the event the Company discontinues the Services, the Company will refund any fees paid by you for which Services have not been rendered by us.

If you breach any provision of the TOU or the Privacy Policy, the Company shall have the right to terminate your access to and use of the Services immediately, without notice, and to deactivate your Account.

The Company reserves the right to change, modify, add to, or remove, portions of the TOU at any time at will and in the event that we are required to do so as a result of any applicable regulations or as required by law. In the event that any material changes are made, we shall inform you by way of a notice displayed on our home page for a period 30 days from such change.

If any part of the TOU or the Privacy Policy is determined to be invalid or unenforceable pursuant to applicable law, then such unenforceable provision shall be deemed to be replaced with a suitable legal alternative provision that achieves the purpose of the original provision as closely as possible.

You and the Company agree that nothing in the TOU or the Privacy Policy shall be deemed to constitute a partnership, joint venture, agency relationship or otherwise between the Parties.

In case you have any questions or wish to opt-out of certain Services, you may contact us at D-310, Kanakia Zillion, LBS Marg, BKC Annexe, Mumbai - 400070 or email to support@brixtoninsurance.com

This TOU and the Privacy Policy shall be governed and construed in accordance with the laws of the Republic of India and subject to the arbitration provision below, the courts at Mumbai shall have exclusive jurisdiction on all matters and disputes arising out of and relating to the Platform, Services and the Resources.

All disputes in relation to the TOU and the Privacy Policy will be resolved by arbitration at Mumbai, in accordance with the Indian Arbitration and Conciliation Act, 1996 by a sole arbitrator appointed by the Parties mutually. The arbitration award shall be final and binding on the Parties, and enforceable in accordance with its terms.