Website Terms of Usage

Please read carefully the following 'Terms of Usage', which apply to all visitors to this web site, before using this web site. By deciding to visit this website, you implicitly agree to abide by its terms, without limitation or qualification.

The information, details, graphics, texts and hyperlinks (hereinafter collectively referred to as 'information') made available on this website are provided on an "as is" basis and SBI General Insurance Company Limited (hereinafter "SBI General") specifically disclaims all warranties, guarantees and indemnities, express, implied or statutory.

Disclaimer: www.sbigeneral.in is official website of SBI General Insurance Company Limited (SBI General), a Company incorporated under the Companies Act, 1956, registered with the Insurance Regulatory and Development Authority to carry on General Insurance Business in India and having its Registered Office at "Natraj", 101, 201 & 301, Junction of Western Express Highway & Andheri Kurla Road, Andheri(East), Mumbai - 400069.

SBI General does not warrant that information contained in the website would be adequate, accurate, reliable or complete and SBI General expressly disclaims any liability for errors or omissions therein or any consequences from the use thereof. Any information provided or gained from this site would not necessarily reflect the views of SBI General or its directors or employees. The contents of the website are strictly for information purpose and do not entail any legal commitment or contractual agreement on the part of SBI General.

The information contained in this website is subject to change from time to time without notice. SBI General shall update the website with relevant information; however SBI General shall not be held liable for any delay in such updation.

Insurance is the subject matter of the solicitation; hence the information made available on this website is or should not be construed as an offer.

You may kindly contact your financial advisor/agent /independent experts for details on the products of SBI General and their suitability to your needs. SBI General assumes no liability for the interpretation and/or use of the information contained on this website.

Restrictions on use of materials:

SBI General owns and holds all copyrights and trade mark rights for the information, contents, audio, video, logos and trade marks contained in this website. Any reproduction, modification, creation of derivate works, distribution, transmission, copying, selling, displaying, publishing or using any of the information, contents, audio, video, logos and trade marks contained in this website for any purpose whatsoever, whether electronically or otherwise, without the prior written permission of SBI General is strictly prohibited. Any violation of this provision would be strictly dealt with. You may download material displayed on this website for your personal use only, provided that you also retain the clauses pertaining to all copyright and other proprietary notices contained on the materials.

Limitation of liability:

SBI General website may contain hyperlinks or cross references to other internet websites, which are either affiliates or entities connected with SBI General. SBI General is not responsible for, and makes no representations or warranties or approval or endorsement about, the contents of such other websites which are linked through SBI General website.

SBI General does not warrant that the services provided through the website would be uninterrupted, error free or that the website would be free from computer viruses or other harmful components though the SBI General stands committed to and will take all reasonable efforts to provide uninterrupted and error free services. SBI General also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

Under no circumstances, including, but not limited to, negligence, shall SBI General or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if SBI General or a SBI General authorised representative has been advised of the possibility of such damages. In no event shall SBI General's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

Policy/ies are marketed and/or distributed solely by SBI General and are not in any way associated to or being sold, marketed or offered for sale by Payment Gateway Service provider and the Payment Gateway Service provider shall not be liable for the same.

The Payment Gateway Service provider shall not be liable for any losses, damages that may be incurred by the customer either directly or indirectly in respect of any loss of access and/or use or interruption in the use of the Payment Mechanism due to the Maintenance Services being performed on the same.

SBI General does not guarantee or warranty that there will be uninterrupted access to and/or use of the Payment and Delivery Mechanism.

SBI General shall not be liable if any transaction does not fructify or may not be completed or for any failure on part of SBI General to perform any of its obligations under these terms and conditions or those applicable specifically to its services/facilities if performance is prevented, hindered or delayed by a Force Majeure event (defined below) and in such case its obligations shall be suspended for so long as the Force Majeure event continues.

“Force Majeure Event” means any event due to any cause beyond the reasonable control of SBI General, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

Terms of usage of the site with rference to the customers

Customer Password

In the event that SBI General has, or may from time to time, introduce or offer certain services on the Website which require authentication procedures, the Customer would be able to access such services by using the User ID and the Password. By using the User ID and the Password the Customer can authorize the transactions. The terms governing the User ID and the Password thereof are as follows:

Subject to the Terms, SBI General shall take reasonable care to ensure the security of and to prevent unauthorized access to the services, which are part of the Website using technology reasonably available to SBI General.

The Customer confirms and agrees that he will be the sole and exclusive owner and is the only authorized user of the User ID and the Password and accepts sole responsibility for use, confidentiality and protection of the User ID and the Password and shall ensure that the password/s is/are not revealed to any third party or recorded in any written or electronic form.

If the Customer forgets /loses the User ID or the Password thereof, or is otherwise desirous of a change in the said Password can request for change of the password by sending a written request to SBI General at the address or notify the indicated telephone number of the Call Centre. On the receipt of such a request SBI General shall discontinue the use of the old Password and shall generate a new password for the Customer, which shall be communicated to the Customer or require the Customer to procure a fresh means of authentication, details of which will be communicated by the Customer to us. However, the Customer shall be responsible and liable for all transactions that are carried out by the use of the User ID or the Password, as the case may be, till the time of discontinuation of the old User ID or password.

Any transaction authorized by using the User ID and Password thereof is deemed to be that of the Customer and SBI General is not responsible for any mistake / error made by the Customer as to the nature of the transaction. If third parties gain access to the services offered through the use of the User ID and the Password, the Customer shall be deemed to be responsible and the Customer hereby indemnifies and holds harmless SBI General against any liability, costs or damages arising out of claims or suits by or against such third parties based upon or relating to such access and use. The Customer shall be responsible for providing and maintaining the communications equipment (including personal computers and modems) and telephone or alternative services required at the Customer's end for accessing and using the Website or related services, and for all communications service fees and charges incurred by the Customer in accessing the Website or related services. It is the Customer's responsibility to ensure that no unauthorized person has access to its computer unattended whilst accessing the Web Site.

SBI General would be entitled, at its sole discretion, to seek offline written or other confirmation from the Customer of any transaction as it may deem fit.

The Customer shall immediately notify SBI General in writing, delivered via e-mail and/or Registered AD, or notify through the indicated telephone number of the Call Centre on the Customer becoming aware of any loss, theft or unauthorized use of the User ID and the Password thereof; or any receipt by the Customer of confirmation of any transaction which the Customer did not authorize. If the Customer fails to notify SBI General immediately upon the Customer's knowledge when any of the above conditions occur, neither SBI General nor any of their officers, directors, employees, Advisors, Affiliates or subsidiaries can or will have any responsibility or liability to the Customer or to any other person whose claim may arise through the Customer with respect to any of the circumstances described above. Under no circumstances shall SBI General or anyone involved in creating, producing, delivering or managing the services which are part of the Website be liable for any direct, indirect, incidental, special or consequential damages that result from the use of or inability to use the services, or out of any breach of any warranty.

In the event that the certifying authorities and other infrastructure contemplated under the Information Technology Act, 2000, for ensuring secure electronic records and secure digital signatures is notified by the concerned authorities and the infrastructure to enable the same is in place, SBI General would have the right to require the Customers to authorize use, operate or otherwise authorize, the transactions by means of digital signatures or other means of authentication as SBI General may require and/or discontinue the usage of the Password.

Privacy and ownership of information:

SBI General notifies you that any information / communication transmitted by you to SBI General via the website may not remain confidential or free from interferences by unauthorized third parties during its transmission and SBI General shall not be responsible for such acts of third parties. It is up to each website user in particular to take all appropriate steps to protect his/her own data and/or software against contamination by any viruses circulating on the Internet.

Unless otherwise expressly set forth herein, any information, communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of SBI General. Such information, communications or material may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Furthermore, SBI General is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

The users of this website are informed that when they access this site, information may be temporarily stored in memory or on their hard disk through the use of 'cookies' in order to optimise and customise navigation on the website. It is possible for any internet user to configure the preferences of his/her browser to refuse cookies. In this case, certain functions of the site may not be accessible.

SBI General may in no case be held responsible for any direct or indirect loss, serious or otherwise, resulting from a visit to this website or associated with such a visit, particularly, and without limitation, for any loss of profits, interruption of activities or loss of software or data.

Jurisdictional issues:

Unless otherwise expressly set forth herein, SBI General makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

Except as specifically set forth herein the information contained on this website is not an offer to sell or any security, insurance product or other product or service. No security, insurance product or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. All disputes shall be subject to the exclusive jurisdiction of Mumbai courts.

Failure on the part of SBI General to enforce any of the provisions hereof will not be construed to be a waiver of the rights vested in SBI General to thereafter enforce such provisions. If any provision of these terms and conditions is held to be invalid, illegal or unenforceable, it will be enforced to the maximum extent possible, and the validity, legality and enforceability of the remaining provisions will not in any way be affected or impaired thereby.

Miscellaneous:

SBI General reserves the right to add to, modify or remove these terms of usage listed above at any time and without prior notice. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

All transactions, which cannot be carried out instantaneously, would be carried out during working hours either on the same day or on the next working day or such further period as may be determined and/or specified by SBI General depending upon the time of logging of the transaction.

All transactions that are carried out by and on behalf of the Customer shall be subject to Government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority, the Securities and Exchange Board of India, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service on the Web Site.

If you have any questions you may contact us at  customer.care@sbigeneral.in