ARYAINS' Terms of Service
1. ACCEPTANCE OF TERMS
Thank you for using ARYAINS' innovative platform for Insurance Business (Individuals and Business) and Insurance Consumers. All services on this portal are provided subject to acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies and procedures that may be published from time to time on this site by ARYAINS (collectively the 'Terms”).
ARYAINS reserve the right to change of these terms (any/ all) by posting a notice on our website, or by sending you a notice via email, postal mail or phone. You shall be responsible for reviewing and becoming familiar with any such modifications. Such modifications are effective immediately upon first posting or notification, and use of our website or any services by you following such posting or notification constitutes your acceptance of these Terms as modified.
IF YOU DO NOT AGREE TO ALL OF THESE TERMS, THEN DO NOT ACCESS OR USE THE SERVICE. BY VIEWING OR USING ALL OR ANY PART OF THE SERVICE, DOWNLOADING ANY MATERIALS OR BY COMPLETING THE SUBSCRIPTION AND INFORMATION REQUEST REGISTRATION PROCESS, YOU AGREE TO BE BOUND BY ALL OF THE TERMS.
2. THE ARYAINS’ SERVICES
ARYAINS provides users facility to locate Insurance Professionals and Business from the around the world those are either part of the database on ARYAINS, or through Search Engine Results. You may also use ASK US form to ask ARYAINS find a suitable insurance business for you. In addition to this ARYAINS also provides Digital Marketing Solutions, Insurance Domain Consulting Insurance BPO & KPO Services for business related with Insurance sector and Risk Management Solutions for business. Unless explicitly stated otherwise, any new features that enhance the current Service shall be subject to these Terms.
3. REGISTRATION OBLIGATIONS
Registration on ARYAINS is available for all categories of Insurance Professionals (Individuals and Business) like Insurance Agents, Insurance/ Reinsurance Brokers, Consultants, Actuaries, Claim Adjusters and Surveyor, Insurers/ Reinsurers etc on world-wide basis, subject to rules and regulations in their geographical areas (Before subscribing to any of services of ARYAINS please check your Local laws, as ARYAINS may not consider any refund, unless otherwise agreed for your specific contract if any such situation arises at a later stage due to laws governing your area). ARYAINS may refuse to offer the Service to any person or entity and may change its eligibility criteria, at any time, in its sole discretion.
ARYAINS respects privacy of all members. All information collected on ARYAINS at the time of Registration is only for the purpose of creating your listing on our portal. We never seek any sensitive information relating to your banking details, or any business related information that may create security issues for you. It is expected that you do not provide any sensitive information about your business and about your self during the process of registration, as ARYAINS will not be responsible for any consequences those may arise as a result of your posting such information.
ARYAINS may share your share your information to service providers, associates and contractors to help us provide and promote our services to you. We may also share your information with third parties, including for syndication and marketing purpose. However, if we share your information with a third party in this way, we will require that the third party only use, store and disclose your information in a way that is consistent with this policy.
5. PAYMENT TERMS
All payments to ARYAINS need to be made to Aryan Offshore Solutions, which is controlling body for activities under ARYAINS at the moment. All membership Fee paid to ARYAINS for Premium and Featured Memberships are non-refundable, otherwise specifically agreed upon by ARYAINS.
All Indian subscribers can make their membership payments in Indian Rupees online (using payment gateway), or by net banking, DD etc. Subscribers from other parts of the world need to make payments through PayPal, or by Bank Transfer.
6. ACCOUNT USERS AND REGISTRATION OBLIGATIONS
In order to take advantage or use some of the features offered with the Services, you may be required to register and/or create an account with ARYAINS. By creating an account, you agree to take full responsibility for maintaining the account user name, password, and all related activity that occurs under your account username. ARYAINS reserves the right to close your account at any time for any reason or no reason, in its sole discretion. ARYAINS offers two types of accounts:
- Membership Accounts: Three levels of Memberships accounts viz. Regular, Premium and Featured, for Individuals and Business to avail wide range of benefits. For details please check membership info page.
- Advertisers Page for managing your advertising campaign on ARYAINS.
In consideration of use of the Service, you agree to:
- Provide true, accurate, current and complete information about yourself and your business as prompted by the Service's registration form (such information being the "Registration Data") and
- Maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete or ARYAINS have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, ARYAINS has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).
- Additionally, you agree that if you provide false information to obtain access to ARYAINS business site that you are not legally entitled to claim, ARYAINS will be entitled to collect liquidated damages of $1000 or INR equivalent per violation or actual damages incurred by ARYAINS from you. You understand and agree that the services may include certain electronic and telephone communications from ARYAINS, including but not limited to, service announcements, status reports, administrative messages and the ARYAINS Newsletter, and that these communications are considered part of ARYAINS membership and (except as prohibited by applicable law) you may not be able to opt out of receiving them.
7. USER CONDUCT
You understand that though all required precaution are taken by our admin team , all information, data, text, photographs, graphics, or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not ARYAINS, are entirely responsible for all Content that you upload, post or otherwise transmit via the Service. ARYAINS does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content, including but not limited to business endorsements and commentary. You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable.
You agree to not use the Service to:
- Upload, post or otherwise transmit any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
- Harm minors in any way
- Impersonate any person or entity, including, but not limited to, an ARYAINS official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
- Forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service or develop restricted or password-only access pages, or hidden pages or images (those not linked to from another accessible page);
- Upload, post or otherwise transmit any Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
- Upload, post or otherwise transmit any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
- Upload, post or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
- Keyword spam or to otherwise attempt to manipulate search results;
- Interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
- Intentionally or unintentionally violate any applicable local, state, national or international law
- "Stalk" or otherwise harass another individual or business.
- Collect or store personal data about users any individual or business (including for the purposes of advertising to or soliciting any ARYAINS user to buy or sell any products or services) other than customers who willingly provide such information in order to explore bona fide business opportunities or connections.
- Create or submit unwanted email or messaging ('Spam') to any other ARYAINS user.
By using the Service you agree to hold responsibility for all Deals that you submit. ARYAINS has no obligation to monitor user submitted content. However, ARYAINS reserves the right to refuse or to remove any materials posted in its sole discretion and without informing you. By your use of the Service, you agree not to post any materials containing unlawful, defamatory, violation to other person’s privacy, distributing of unsolicited advertising, sexual, racial or religious content. You also agree that you will not seek to enforce any copyright on a specific coupon offer. You accept to waive any claim related to the inclusion, placement, exclusion, or removal of any coupon or promotional details in the ARYAINS directory and to grant ARYAINS a non-exclusive, royalty-free license to use, publish, copy, edit, modify, or create derivative works from your submission.
In addition, you agree that all hyperlinks and other offers comprising the Service (e.g. hyperlinks provided in connection with ARYAINS' RSS feeds) may not be modified from the original form in which such hyperlinks and other offers are generally made available by ARYAINS.
8. CONTENT SUBMITTED TO ARYAINS
ARYAINS does not claim ownership of the Content you place on your ARYAINS Site. By uploading, submitting or otherwise disclosing or distributing content of any kind on the ARYAINS website or otherwise through the Service, you:
- Grant to ARYAINS, its affiliates and their assignees the perpetual, irrevocable, non-exclusive, royalty-free right to use, reproduce, display, perform, adapt, modify, distribute, make derivative works of and otherwise exploit such content in any form for the purpose of providing the Services, including without limitation, any concepts, ideas or know-how embodied therein;
- Represent and warrant to ARYAINS that you own or otherwise control all rights to such content and that disclosure and use of such content by ARYAINS (including without limitation, publishing content at the ARYAINS website) will not infringe or violate the rights of any third party; and
- Acknowledge that the content may not be treated confidentially.
You agree not to provide ARYAINS with any confidential or proprietary information that you desire or are required to keep secret.
You acknowledge that ARYAINS does not pre-screen Content, but that ARYAINS and its designees shall have the right (but not the obligation) in their sole discretion to remove or block access to any Content that is available via the Service. Without limiting the foregoing, ARYAINS and its designees shall have the right to remove any Content that violates the Terms or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content.
You agree to indemnify and hold ARYAINS, and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your Content, your use of the Service, your connection to the Service, your violation of the Terms, or your violation of any rights of another.
10. NO RESALE OF SERVICE
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service.
11. MODIFICATIONS TO SERVICE
ARYAINS reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that ARYAINS shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.
You agree that ARYAINS, in its sole discretion, may terminate your password, ARYAINS Profile, use of the Service or use of any other ARYAINS service, and remove and discard any Content within the Service, for any reason, including, without limitation, for lack of use or if ARYAINS believes that you have violated or acted inconsistently with the letter or spirit of the Terms. ARYAINS may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of this Terms may be effected without prior notice, and acknowledge and agree that ARYAINS may immediately deactivate or delete your ARYAINS Profile and all related information and files in your ARYAINS Profile and/or bar any further access to such files or the Service. Further, you agree that ARYAINS shall not be liable to you or any third-party for any termination of your access to the Service.
ARYAINS runs advertisements and promotions on ARYAINS Sites. By creating your ARYAINS Site, you agree that ARYAINS has the right to run such advertisements and promotions. The manner, mode and extent of advertising by ARYAINS on your ARYAINS Site are subject to change in the sole discretion of ARYAINS.
14. COUPONS, DEALS, AND PROMOTIONS
Your correspondence or business dealings with, or participation in promotions of, members or advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such members or advertiser. You agree that ARYAINS shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Service.
The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because ARYAINS has no control over such sites and resources, you acknowledge and agree that ARYAINS 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. You further acknowledge and agree that ARYAINS shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.
16. ARYAINS PROPRIETARY RIGHTS
You agree that all content and materials delivered via the Service or otherwise made available by ARYAINS are protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. Except as expressly authorized by ARYAINS in writing, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from such materials or content. However, you may print or download a reasonable number of copies of the materials or content at ARYAINS' website for your internal business purposes; provided, that you retain all copyright and other proprietary notices contained therein. Systematic retrieval of data or other content from ARYAINS' website to create or compile, directly or indirectly, a collection, database or directory without written permission from ARYAINS is prohibited. Any third party that contacts our users for commercial reasons, including to sell them products or services, is in violation of these terms and each individual violation is subject to $3,000 (or INR equivalent) in penalties per instance.
Reproducing, copying or distributing any content, materials or design elements on the ARYAINS website for any other purpose is strictly prohibited without the express prior written permission of ARYAINS. Use of the content or materials for any purpose not expressly permitted in these Terms is prohibited. Any rights not expressly granted herein are reserved.
17. DISCLAIMER OF WARRANTIES
You expressly understand and agree that:
- Your use of the service is at your sole risk. The service is provided on an "as is" and "as available" basis. ARYAINS expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
- ARYAINS makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations, and (v) any errors in the software will be corrected.
- Any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
- No advice or information, whether oral or written, obtained by you from ARYAINS or through or from the service shall create any warranty not expressly stated in the terms.
18. LIMITATION OF LIABILITY
In no event shall ARYAINS (or its affiliates, licensors or suppliers) be liable concerning the subject matter of this agreement, regardless of the form of any claim or action (whether in contract, negligence, strict liability or otherwise), for any (a) matter beyond its reasonable control, (b) loss or inaccuracy of data, loss or interruption of use, or cost of procuring substitute technology, goods or services, (c) direct or indirect, punitive, incidental, reliance, special, exemplary or consequential damages including, but not limited to, loss of business, revenues, profits or goodwill, or (d) amounts in the aggregate greater than ten dollars ($10), (or INR Equivalent) , even if ARYAINS has been advised of the possibility of such damages. These limitations are independent from all other provisions of this agreement and shall apply notwithstanding the failure of any remedy provided herein.
19. EXCLUSIONS AND LIMITATIONS
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations of sections 20 and 21 may not apply to you.
Notices to you may be made via either email or regular mail. The Service may also provide notices of changes to the Terms or other matters by displaying notices or links to notices to you generally on the Service.
ARYAINS respects the intellectual property rights of others and we ask our users to do the same.
22. GENERAL INFORMATION
The Terms constitute the entire agreement between you and ARYAINS and govern your use of the Service, superseding any prior agreements between you and ARYAINS (including, but not limited to, any prior versions of the Terms). These Terms and the Service contemplated here under are personal to you, and are not assignable, transferable or sublicensable by you except with ARYAINS' prior written consent. ARYAINS may assign, transfer or delegate any of its rights and obligations here under without consent. You also may be subject to additional terms and conditions that may apply when you use affiliate or other ARYAINS services, third-party content or third-party software. The Terms and the relationship between you and ARYAINS shall be governed by the laws of the State of Madhya Pradesh- India without regard to its conflict of law provisions. You and ARYAINS agree to submit to the personal and exclusive jurisdiction of the courts located within Bhopal- Madhya Pradesh (India). The failure of ARYAINS to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms are for convenience only and have no legal or contractual effect.