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TERMS AND CONDITIONS

These Terms and Conditions (“Terms”) govern the access and use of the website https://wmginsurance.com/ (“Website”), owned, managed and operated by WMG Risk Advisory and Insurance Broking Services Private Limited (“WMG”, “we”, “us” or “our”), a company incorporated under the Companies Act, 2013, having its registered address at 21/19, Craig Park Layout, MG Road, Bengaluru, Karnataka 560001. WMG is a certified insurance broker, offering access to a wide choice of insurance products from multiple insurers, helping clients find the cover that best suits their need.
By using, accessing, browsing, opening an account or registering on the Website, you (“user”, “you”, “your”) acknowledge that you have read, understood, and agree to be bound by these Terms, including any modifications made therein from time to time. Your continued usage of the Website following any such modification of the Terms shall constitute your acceptance of the same. If you do not agree to the Terms or any subsequent modifications made thereto, please refrain from using, accessing or engaging in any activity in connection with the Website.

USAGE

By registering with us, or availing any of our services, you acknowledge, represent, warrant, and agree that:
  • You are legally competent and of the requisite age to avail our services and for another person for whom you are legally authorized to act;
  • All information, declarations, and documents submitted by you for availing our services are true, complete, accurate, valid, and authentic, and have not been forged, fabricated, altered, or misrepresented in any manner;
  • You agree to comply with all applicable laws, regulations, rules, policies, procedures, guidelines, circulars, and instructions issued by us from time to time in relation to the use of our services;
  • You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, PIN, OTPs, and any other authentication details, if any. You shall not disclose or share such credentials with any third party and shall be responsible for all activities carried out through your account;
  • By submitting an enquiry or contacting us through the Website, you expressly consent to being contacted by WMG, its employees, affiliates, authorized representatives, or service providers through any mode of communication for the purpose of responding to your enquiry and providing our services, in accordance with applicable law;
  • You acknowledge and agree that all decisions to avail any insurance policy made through the Website are solely your responsibility. You understand the risks associated with and agree to obtain independent financial, legal, tax, or other professional advice, wherever considered necessary, before making any decision;
  • You agree to promptly notify us of any change in your personal information, contact details, bank account details, or any other information provided by you, and to furnish such supporting documents as may be required;
  • Acceptance of premium and issuance of the policy rest solely with the insurer, in accordance with its underwriting norms and discretion, and WMG has no control over them. Product/policy information is based solely on details received from the insurers; and
  • WMG acts only as an insurance broker and does not control or endorse the content of any policy issued by an insurer. WMG disclaims liability for the policies, the insurer’s services, and any action you take in connection with them, and you hereby agree to waive and release all claims against WMG relating to the same, to the extent permitted by law.

RESTRICTED USE

WMG hereby grants you, a limited, non-exclusive, non-transferable, royalty free license to use the Website solely for the purposes of availing the services and for no other purposes. You may use, avail or access the Website for your own personal, non-commercial and limited use to the extent that are permitted by the Terms. Notwithstanding anything contained herein, you shall refrain from using the Website for any of the purposes set out below: –

  • Engage in any activity that interferes with, restricts, or adversely affects any other person’s or entity’s use or enjoyment of the Website;
  • Infringe, misappropriate, or otherwise violate the intellectual property rights of WMG or any third party, including but not limited to copyright, trademark, patent, design, or trade secret, whether registered or unregistered;
  • Use the Website in any manner that violates, or is likely to result in a violation of, any applicable laws, rules, regulations, or governmental requirements;
  • Violate the Terms, policies, procedures, guidelines, rules, regulations as made available by WMG to you from time to time;
  • Solicit, induce, encourage, assist, influence or attempt to solicit, induce, assist, influence any person or entity to indulge in any unlawful activity in connection with the Website;
  • Impersonate or attempt to impersonate WMG, its employees, representatives, or any other person or falsely represent your association or affiliation with them;
  • Collect, harvest, or extract any personally identifiable information of other users from the website or the services, whether by automated or manual means;
  • Spam, phish, spider, crawl, scrape, or otherwise access, collect or extract data, whether in whole or part, from the Website through any manual or automated means, or engage in any similar activity intended to obtain information that is not specifically made available on the Website;
  • Disrupt, damage, disable, or otherwise adversely affect the operation, security, or functionality of the Website or any servers, networks, or systems connected to or supporting the Website;
  • Compromise the security of any computer system or network, to crack passwords or encryption codes, to transmit or store unlawful, threatening, or obscene material, or for any illegal purpose;
  • Introduce any viruses, malware, malicious code, harmful software, automated tools, or other technologies or methods that may interfere with, damage, disrupt, compromise, or adversely affect the Website, its security, functionality, or content; and/or
  • Reproduce, duplicate, copy, modify, sell, resell, or otherwise exploit any portion whether whole or in part of the Website, its content, or access to it.

CONSENT

You acknowledge and agree that all information, declarations and documents provided by you are submitted voluntarily, of your own free will and without any coercion, undue influence, fraud or misrepresentation. You represent and warrant that the information furnished by you is true, complete, accurate and up to date, and you undertake to promptly notify us of any changes thereto. You expressly consent to the collection, verification, storage, processing, use, and disclosure of your personal information and documents by us in accordance with applicable laws, regulatory requirements and our Privacy Policy. You further agree to maintain the confidentiality of your account credentials and acknowledge that you shall be solely responsible for all activities carried out through your account until such time as you notify us of any unauthorized access or security breach.

INTELLECTUAL PROPERTY RIGHTS

All information available on the Website, including but not limited to text, articles, information, blogs, images, photographs, graphics, illustrations, videos, audio files, logos, trademarks, service marks, trade names, designs, icons, software, and other materials (collectively, “Content”), are owned or licensed to WMG and is protected under applicable intellectual property laws.

All rights, title, and interest in the Information and Website including all associated intellectual property rights, are and shall remain the exclusive property of WMG. Nothing contained herein or your use of the Website shall be construed as granting you, whether expressly or impliedly, or by way of estoppel, any right, title, interest, license, or authorization to use, reproduce, modify, distribute or otherwise exploit any intellectual property of WMG.
You shall not, without the prior written consent of WMG, copy, reproduce, download, adapt, translate, distribute, reverse engineer, decompile, disassemble, create derivative works from the Website or its Information, whether in whole or in part. Any unauthorized use of the Website or its Information may constitute a violation of applicable laws and WMG reserves the right to pursue all available legal remedies, including injunctive relief and damages, against any party engaged in such unauthorized use.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless WMG, its directors, parent companies, subsidiaries, affiliates, and their respective directors, officers, employees, agents, successors, and permitted assigns (collectively, the “Indemnified Parties”) from and against any and all third-party claims, demands, losses, liabilities, damages, costs, and expenses (including, without limitation, reasonable attorneys’ fees and court costs) arising out of, resulting from, or relating to (i) use or access to the Website; (ii) any material breach of the Terms, policies, procedures, guidelines of WMG; (iii) violation of any applicable law, rules and regulations; (iv) any infringement of intellectual property rights of WMG; (v) any negligent, fraudulent, unauthorized, or otherwise wrongful act or omission committed by you; (vi) any claims, demands, or actions brought by third parties arising from or relating to your access to or use of the Website; (vii) any inaccurate, incomplete, false, or misleading information or documentation furnished by you in relation to our services; and/or (viii) any loss, liability, cost, expense, or damage arising from or in connection with availing our services that arise due to circumstances beyond our reasonable control. These obligations shall survive the termination of the Terms.

DISCLAIMER

THIS WEBSITE AND ALL ITS CONTENT, INFORMATION, MATERIALS ARE PROVIDED ON “AS IS” BASIS. ANY ADVICE, OPINIONS, OR INFORMATION OBTAINED THROUGH THE WEBSITE ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS PROFESSIONAL, LEGAL OR FINANCIAL ADVICE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WMG HEREBY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, WHETHER IMPLIED OR EXPRESS, WITH RESPECT TO THE WEBSITE AND ITS USE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, PERFORMANCE AND SUITABILITY.
FURTHER, WMG DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED. YOU UNDERSTAND THAT THERE MAY BE DELAYS, OMISSIONS, INTERRUPTIONS, INACCURACIES, AND/OR OTHER PROBLEMS WITH THE INFORMATION, AND SERVICES PUBLISHED ON OR PROMOTED THROUGH THIS PLATFORM. YOUR USE OF THE WEBSITE, AND ANY RELIANCE ON ITS CONTENT OR INFORMATION, IS ENTIRELY AT YOUR OWN RISK AND WE ASSUME NO LIABILITY FOR THE ACCURACY OR COMPLETENESS OF SUCH INFORMATION. USERS ARE ADVISED TO CAREFULLY READ AND UNDERSTAND THE TERMS AND CONDITIONS OF THE WEBSITE CAREFULLY BEFORE ACCESSING AND USING THE WEBSITE.
THE INSURANCE POLICY/POLICIES CONSTITUTE A SEPARATE AND BI-PARTITE CONTRACT BETWEEN YOU AND THE RESPECTIVE INSURANCE PROVIDER(S). WMG ACTS SOLELY AS A DISTRIBUTOR/INTERMEDIARY IN RELATION TO THE INSURANCE POLICY/POLICIES AND SHALL NOT BE CONSTRUED AS BEING A PARTY TO, OR OTHERWISE RESPONSIBLE OR LIABLE FOR, ANY TERMS, CONDITIONS, COVERAGE, BENEFITS, EXCLUSIONS, CLAIMS, OR OBLIGATIONS ARISING UNDER OR IN CONNECTION WITH SUCH POLICY/POLICIES. WMG SHALL HAVE NO LIABILITY WHATSOEVER IN RESPECT OF ANY ACTS, OMISSIONS, REPRESENTATIONS, DECISIONS, OR OBLIGATIONS OF THE RESPECTIVE INSURANCE PROVIDER(S). YOU ARE ADVISED TO INDEPENDENTLY REVIEW AND CAREFULLY CONSIDER ALL APPLICABLE BROCHURES, POLICY WORDINGS, TERMS AND CONDITIONS, EXCLUSIONS, DISCLOSURES, AND OTHER RELEVANT DOCUMENTATION PRIOR TO MAKING ANY DECISION OR AVAILING ANY INSURANCE POLICY/POLICIES. YOU SHALL BE SOLELY RESPONSIBLE FOR ASSESSING AND DETERMINING THE SUITABILITY, ADEQUACY, AND APPROPRIATENESS OF THE POLICY/POLICIES IN ACCORDANCE WITH YOUR INDIVIDUAL REQUIREMENTS.

LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, in no event shall WMG, or its officers, directors, employees, partners, agents, affiliates, subsidiaries, licensors or representatives, be liable to you or any third party for any special, incidental, indirect, consequential, exemplary, or punitive damages, including, without limitation, damages arising from or relating to loss of use, loss of data, loss of profits, loss of revenue, business interruption, or any other damages or claims, whether based on contract, tort (including negligence), strict liability, or any other legal theory, arising out of, resulting from, or in connection with your (i) access to, use of, or inability to access or use the Website; (ii) any damages arising from interruption, suspension or termination of the Website; (iii) any damage or loss arising from the transmission of viruses, malware, or other harmful, contaminating, or destructive code through the use of, browsing the website or downloading any data, text, images from the Website; (iv) relying upon any information or any other material whatsoever on the Website or in any brochures, promotional material or any other literature promulgated by Website; (v) any improper use, loss, alteration, or unavailability of user content; and/or (vi) any failure to maintain the confidentiality of your login credentials or account details.

FORCE MAJEURE

WMG shall not be liable for any failure or delay in performance of any of its obligations, if it is prevented, restricted, delayed or interfered with due to circumstances beyond its reasonable control, including but not limited to natural disasters, pandemics, epidemics, diseases, accidents, national or local health, security or other emergencies or incidents, acts of God, threat of wars, riots, strikes, lockouts, or other concerted acts of workmen, rebellion, revolution, government action, exchange or market closures, power or internet outages, cyberattacks, industrial emergency or terrorist attacks or military action, or other civil unrest.

AMENDMENT

WMG reserves the right, at its sole discretion, to amend, modify, revise or update the Terms at any time. You are responsible for reviewing the Terms periodically to remain informed of any updates or modifications made thereto. WMG shall not be liable to you or any third party for any loss, damage, cost, or liability arising from or in connection with any amendment, modification, or update to the Terms or the Website.

SEVERABILITY

In the event that any one or more of the provisions contained herein shall be held invalid, illegal, or unenforceable under any applicable law by a court or other competent authority, such provision shall be deemed severable and shall be enforced to the maximum extent permitted by law. The invalid, illegal, or unenforceable provision shall be replaced by a valid and enforceable provision that most closely reflects the original intent of the provision it replaces, to the fullest extent permitted under applicable law. The invalidity, illegality, or unenforceability of such provision shall not affect the validity, legality, or enforceability of the remaining provisions of the Terms, which shall continue in full force and effect.

DISPUTE RESOLUTION AND GOVERNING LAW

If you have any complaint or grievance regarding our services, please write to us at insure@wmggroup.in, mentioning your name, contact details, and the nature of your grievance. We will acknowledge your complaint and endeavour to resolve it within 21 (twenty-one) working days.
If you are not satisfied with the decision or resolution provided by WMG, you may escalate the matter to IRDAI through its online portal, Bima Bharosa (formerly known as the Integrated Grievance Management System, “IGMS”), at https://bimabharosa.irdai.gov.in , or approach the Insurance Ombudsman. The Terms shall be governed and construed in accordance with the laws of India. Any dispute regarding or arising out of this terms and conditions shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka.

NOTICES

All notices, requests, consents and other communications under this Terms must be in writing and must be: (a) mailed by registered post; or (b) sent by recognized courier or similar overnight delivery or courier service, or (c) delivered (in person, or by email or similar telecommunications equipment) against receipt, to the address as provided hereunder: –
  • Name: WMG Risk Advisory and Insurance Broking Services Private Limited
  • Address: # 21/19, Craig Park Layout, MG Road, Bengaluru – 560001, Karnataka-India
  • Email: insure@wmggroup.in

ASSIGNMENT

You shall not assign, transfer, or otherwise delegate of any of your obligations under these Terms or any rights granted to you hereunder to any third party without the prior written consent of WMG and any such assignment or transfer or purported assignment or transfer shall be void ab initio. Further, WMG may assign these Terms, in whole or part, to any affiliate or successor (including in a merger, restructuring, reorganization) without your consent, provided the assignee assumes WMG’s obligations and your rights remain unchanged.

WAIVER

Any failure or delay by WMG to enforce or exercise any provision of the Terms, or any related right, remedy shall not constitute a waiver by WMG of that provision, right or remedy. Any waiver by WMG shall only be effective if given in writing and shall not be construed as a waiver of any subsequent or continuing breach. The exercise of one or more of a party’s rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to such party under these Terms or in law or at equity.

ENTIRE AGREEMENT

These Terms, read together with our Privacy Policy and any other rules, policies, procedures or guidelines that WMG may issue and make applicable to the Website from time to time, set out the complete understanding and agreement between WMG and you in relation to your access to and use of the Website. It supersedes all prior communications, understandings, documents, whether electronic, oral or written, between us with respect to this Website. Headings in this Terms are provided for convenience only and shall not be used in its interpretation.

CONTACT US

In case of any queries, concerns or you require any further information regarding these terms and conditions, please feel free to reach out to us at:
  • Name: Mr. Kumar Chinnaswamy
  • Contact: +91 91872 01493 or +91 90088 00011
  • Email id: insure@wmggroup.in
  • Address: 21/19, Craig Park Layout, M G Road, Bengaluru – 560001, Karnataka.